Kubota payment methods and where to send your money

Kubota Finance, the financing arm of Kubota Corporation, handles payments for equipment loans and purchase agreements. You can pay online through your Kubota Finance account, by mail, by phone, or in person at a Kubota dealer. The method you use depends on what's fastest for you and whether you want the payment to post when ready or can wait a few business days.

If you financed your equipment through Kubota Finance, your loan documents will list the payment address and phone number. If you bought equipment and received an invoice rather than financing it, payment instructions appear on that invoice. The key is knowing which payment method gets your money to Kubota fastest and whether you need a confirmation number for your records.

Key Takeaways

  • Online payments through your Kubota Finance account post the same day and let you see your balance and due date when ready.
  • Mailed payments should arrive at least five business days before your due date to avoid late fees, since mail takes time to process.
  • Phone payments are fastest for one-time payments and give you a confirmation number on the call.
  • Kubota dealers can accept payments in person, though not all locations offer this service.
  • Your loan documents or invoice will show the exact payment address and any account number you need to include.

Paying online through your Kubota Finance account

The online portal is the fastest way to pay if you have internet access. Log in to your Kubota Finance account using the username and password you set up when you received your loan documents. Once logged in, you can see your current balance, due date, and payment history all in one place.

Click the payment option and enter the amount you want to pay. You can pay the full balance, the minimum due, or any amount in between. Kubota Finance accepts payments from a checking account, savings account, or debit card. Payments made before 5 p.m. Eastern Time on a business day typically post the same day. If you pay after 5 p.m. or on a weekend, the payment posts the next business day.

Keep the confirmation number the system gives you after you submit the payment. Write it down or take a screenshot. This number proves you paid on time if there is ever a question about your account.

Mailing a check or money order

If you prefer to mail your payment, write a check or get a money order for the amount due. Write your account number on the check or money order so Kubota Finance can match it to your loan. Include a copy of your payment coupon if one came with your loan documents — this coupon has your account number printed on it and speeds up processing.

Mail your payment to the address listed on your loan documents or invoice. Do not mail to a Kubota dealer or a Kubota equipment location — mail goes to a lockbox processing center, not to a store. Send your payment at least five business days before your due date. Mail can take three to five business days to arrive, and processing takes another one to two days. If your payment arrives after the due date, you may be charged a late fee even if you mailed it on time.

Keep a copy of the front and back of your check or the money order receipt. This is your proof of payment if the check is lost in the mail.

Paying by phone

Call the phone number on your loan documents or invoice to pay by phone. A Kubota Finance representative will ask for your account number and the amount you want to pay. They will then ask for payment information — either a checking account number and routing number, or a debit card number.

Phone payments are processed when ready, and the representative will give you a confirmation number before you hang up. Write down this number and the date and time of your call. Phone payments typically post within one business day. There is usually no fee for paying by phone, but confirm this when you call.

Paying in person at a Kubota dealer

Some Kubota dealers accept payments on equipment financed through Kubota Finance. Call your local dealer first to ask whether they take payments and what hours they are open. Not every dealer offers this service, so do not assume yours does.

Bring your account number and the amount you want to pay. The dealer will give you a receipt showing the payment amount, date, and your account number. Keep this receipt until the payment posts to your account online, which usually takes one to two business days.

What to do if you cannot pay on time

If you know your payment will be late, contact Kubota Finance before the due date. Call the number on your loan documents. Explain your situation and ask whether they can work with you on a payment plan or extension. Some lenders will delay a late fee if you contact them before you miss a payment, but this is not may provide.

Do not ignore a missed payment. Late payments damage your credit and can lead to repossession of your equipment. If you are having trouble making payments, contact Kubota Finance as soon as possible to discuss your options.

Finding your account number and payment address

Your account number appears on your loan documents, on your monthly statement, and on any payment coupon that came with your paperwork. If you cannot find it, log into your online Kubota Finance account — your account number is displayed at the top of the page. You can also call the phone number on your loan documents and give them your name and equipment serial number, and they will provide your account number.

The payment address is printed on your loan documents and on your monthly statement. It is also listed on the payment coupon if you have one. If you are paying online, you do not need a mailing address — the system handles the routing automatically.

Frequently Asked Questions

How long does it take for a mailed payment to show up in my account?

Mail typically takes three to five business days to reach the processing center, and then one to two business days to post to your account. This means a payment mailed today may not show up for a week or more. Mail your payment at least five business days before your due date to be safe.

What if I pay online but the payment does not show up the next day?

Online payments usually post the same business day. If you paid after 5 p.m. Eastern Time or on a weekend, it will post the next business day. Log into your account the next business day to confirm it posted. If it still has not appeared after two business days, call Kubota Finance with your confirmation number.

Can I set up automatic payments so I do not have to remember each month?

Many lenders offer automatic payment options, but you will need to check your Kubota Finance account or call their customer service line to see if this is available for your loan. Automatic payments can be set up to deduct from your checking account on a date you choose each month.

What happens if I pay more than the amount due?

The extra amount is applied to your next payment or to the principal balance of your loan, depending on how Kubota Finance processes it. Log into your account after the payment posts to see where the extra money went. If you want it applied to principal to pay off the loan faster, you can call and request this.

Is there a fee for paying by credit card?

Kubota Finance typically does not accept credit card payments directly because of processing fees. If you want to pay with a credit card, you would need to use a third-party payment service, which may charge you a fee. Check your loan documents or call to ask about this option before you try it.