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4x4 is farm cash only and i cant afford it, i not high enough to get the harvester 3x3 either
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For each level you go up, the game rewards you with 1 Farm Cash (1 "FC"). A Harvester (4x4) costs 45 FC.
You are now level 28, so if you save up all the FC you receive between now and then, you will be able to buy the 4x4 Harvester when you reach Level 73.
(You will have to buy the 3x3 Harvester first, but you can buy that for 500,000 Coins at Level 44.)
Note that the Harvester burns Fuel so you will need to organise a reliable supply of Fuel to get the best out of it. You can get Fuel several ways. The Oil Refinery produces Fuel but is a Farm Cash item that costs 32 FC. However you can also get Fuel as gifts, by helping friends, and by working the Oil Refineries of your neighbours.
Edited to add:
Tools strategy.
Here is a way for you to get good FC tools
without buying any FC. You only need to save up the FC the game gives you for free.
1. As soon as you have 100,000 Coins in hand, buy an Oil Pump from the Tools section of the Store. Place it on your farm and set it to producing Crude Oil. Even though you can't use it yet, don't sell any of the Crude Oil it produces! You will need it all later. Each time you buy a new farm, the first thing you should put on the new farm is an Oil Pump.
2. If your neighbours have Oil Refineries, ask them to post their facilities so that you can work for them and get Fuel from their Oil Refineries. Early on, you may often be desperate for Fuel. Stock up any way you can!
3. Upgrade to all the 3x3 tools as soon as you can get them. Although you can't use them on other peoples farms they will make running your own farm easier.
4. Save up 32 FC and buy an Oil Refinery. (If you save all your FC from going up levels, you could do this as early as Level 60.) Place it on your farm and set it to producing Fuel. Only make Fuel in your Oil refinery initially, not Petrochemical Barrels, otherwise you will soon run short of Crude Oil. Don't sell any of the Fuel.
5. Save up another 45 FC and buy a 4x4 Harvester. If you save all your FC from levelling up, you could do this as early as Level 105. You can take the 4x4 Harvester with you to other farms.
6. Save up another 45 FC and buy a 4x4 Plower. This is solar powered and doesn't use Fuel. If you're saving all your FC you could get this as early as Level 150. You'll now have good enough stuff to hire out for work in the Marketplace, although you'll still have fuel shortages if you hire out a lot.
7. Don't bother with a 4x4 Seeder yet, as you can only use it on your own farm. The 3x3 Seeder is fine and can be bought with Coins.
8. Keep saving your FC and going up levels. Another 30 FC will get you the 5x5 Harvester, another 30 the 5x5 Plower, and then one last burst of 45 FC will get you the 5x5 Combine Harvest/Plow.
9. That's all the crop tools you need. You could have it all by Level 255.