Zero percent deals can be a bit of a trap. You might be thinking: borrow the money you need for free and make affordable payments. Where is the down side?
But there are three ways that zero percent could be the less desirable way to go. The loan terms are generally shorter than you would like. Most zero percent deals are a three year loan term. That may make your monthly payments higher than you are comfortable with. For that reason, it may be better to find an auto creditor who offers reasonably low rates with great terms instead of zero APR with bad terms.