Zero percent interest personal loans

Zero percent interest loan

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zero percent interest loan

Occasionally, your local dealership may advertise a zero-percent interest auto loan, attracting sundry shoppers surveying the market for a spectacular deal. When comparing this to the average six-or-so percent, it may seem like a magnificent opportunity to obtain an affordable auto loan, but is it really?

Shoppers may be surprised to learn that those with zero-percent interest often overpay. This is because the ad’s allure distracts people from seeing the bottom line. Since most deals follow a zero-down or rebate structure, the money saved by choosing the former ends up pouring straight back into the loan’s monthlies. That money waived at the beginning is really just the interest up-front. Understanding the mechanics of these deals will help you calculate your true savings with zero-percent interest.

Zero-Percent Interest Auto Loan Characteristics

Typically, straightforward zero-percent interest auto loans apply only to new vehicles, though there are variants available for used and refurbished models. Regardless, zero-percent interest auto loans usually span a shorter term and may be difficult for people with poor credit to get a hold of. As with most specials, such contracts give little leeway for negotiation, so ensure that this is the best possible deal before moving forward; do not allow yourself to be dazzled by marketing ploys.

Zero or Deferred Interest? The Difference Matters

At the end of the promotional period, a zero-percent interest auto loan will charge the remaining balance to a monthly account compounded with interest. Deferred interest plans, however, accrue interest during the promotional period, so should you not pay off your balance by the end, you receive a huge invoice for the past 12-or-so months of interest free billing. Since this is written directly into the contract, you are forced to pay. This is why you should always read the fine print — especially on sales and deals.

Zero-Percent Interest Auto Eligibility

As mentioned above, many dealerships require impeccable credit scores of their applicant’s. Since most are not so fortune, zero-percent interest auto loans are not always an option. But this does not mean the market’s void of alternatives. At Trillium Auto Group, we work closely with our customers to ensure the most appropriate rates for your credit situation. Better yet, auto loan approval is guaranteed. So forget about zero-percent and start looking at the bottom line — that is, the monthly savings you will have through our competitive financing plans. To learn more, visit or call us today!

Zero Percent with 0 Interest Car Loans

Date: February 20, 2012

Lots of Advertisement and Campaigns been run by Car Dealers to Car Manufacturers from time to time advertising that they can provide Finance at 0 % or No Interest Car Loans. Wondered, when Banks are taking deposits at 10%, then how is it possible to lend Car Loan at 0% !!

No Bank or Financial Institution or Dealer is mad to spend money on advertisement that they want to incur losses by lending at Zero Percent. There is a gimmick involved in it. Heres the gimmick :-

Say, eg You Intend to buy which is priced at say Rs. 11 Lacs and wants to take Finance of Rs. 7 Lac for 36 months

Scenario is that the Rate of Interest of Bank is 11%, and there is discount on car worth Rs. 1,00,000 going on. Now, do understand - how is zero percent finance been calculated

Car Loans at Zero Percent Vs. 11% Scenario

In Actual Scenario, the EMI would be Rs. 22,918 for 36 months. Total Outflow for 36 months would be Rs. 8.25 Lac on loan of Rs. 7 Lac for 36 month @ 11%. Interest Outflow during entire tenor would be Rs. 1.25 Lac on stated loan amount which is payable to Bank.

Now in Changed Scenario wherein dealer is running campaign of 0% Scheme on Car Loan, the Loan here would again be at Rs. 7 Lac, but instead of passing upfront discount benefit on car to customer, the dealer will merge in this discount on car in the Finance Scheme. So, even though if you are taking Loan of Rs. 7 Lac, Bank is effectively making payment of Rs. 6 Lac to Dealer. Your EMI will turn out to be Rs. 19,644 . Interest will be shown on loan of Rs. 7 Lac at .66% , which is effectively at Zero Percent. Your Car Loan Statement of Bank will show in Loan of Rs. 7 Lac, Tenor 36 Months and Interest Rate at .66%. However, fact is that Bank is now calculating Interest on Rs. 6 Lac , due to 1 Lac discount been merged in Finance .

Now Which Scenario is Better

We suggest to always have Plan A, to take upfront discount rather than Plan B to have Zero percent scheme. Reason - Even, if you cant plough back this money in business or any other stream, even FD returns on 1 Lac amount would be at least Rs. 25,000 after TDS in 3 years. Hence, why to block this money in lower EMI unless, you are on heavy debt and only focusing to lower off your EMI.

Zero percent interest loan

Customers get the option to pay their EMIs in six and seven months.

16:46 13th Jul, 2017

Nokia 3 is now said to be available for purchase at zero percent interest loans with flexible EMI and down payment options, thanks to a partnership between Home Credit India Finance and HMD Global, the home for Nokia phones.

Home Credit is financing purchase of Nokia 3 smartphone at zero percent interest loan offer in which customers will have the option to pay their EMIs in six and seven months.

Commenting on the partnership, Tomas Hrdlicka, Chief Marketing Officer, Home Credit India Finance, said, “Nokia has been a household name for over a decade and a leader in technology that connects people and things. This strategic partnership is aimed at enabling customers to have easier access to Nokia phones with hassle free financing options. We are optimistic that our collaboration with HMD will make buying of the new range of mobiles much easier and convenient given our huge network of point of sales across the country. “

Zero percent interest loan

“The consumer is always at the center of whatever we do. Keeping this in mind, it is our constant endeavor to offer a smooth and convenient ownership experience to our consumers. This led to our partnership with Home Credit to ensure that consumers buying Nokia 3 can avail of ‘interest-free’ financial schemes.” said Ajey Mehta, Vice President India, HMD Global.

According to a press release, customers can visit Home Credit India website or give a missed call on 9004690046 to speak to a Home Credit Loan Expert, and to locate a store in any city.

The Nokia 3 is available in four distinct colours – Matte Black, Silver White, Tempered Blue and Copper White – and is available at a recommended best buy price of Rs. 9,499.

Zero Percent Interest is Never Zero Percent

One of the biggest financial myths in the Universe is ZERO PERCENT INTEREST . We are marketed to everyday with the idea that the store would like to loan us money for free if we would simply buy something. We (myself included) have fallen so madly in love with the idea of zero percent interest, we even make sense of our wise money decisions with statements like this:

“Yeah, I pretty much had to buy it because it was 0% interest”

We all know about the car dealerships, furniture stores, and appliance warehouses offering these amazing 0% interest deals. My wife always says “Ah-maze-balls” when something is beyond awesome. However, this my friends is not one of those amazing-balls financial awesome thingies. It is simply crap. Sorry.

I don’t want to pick on any one store, so let’s make one up. You are driving past “Rooms-R-Us” and see a giant sign:

Zero percent interest loan

Before you ever started reading this blog (thank-you by the way) you would have turned the car around and pulled right underneath that giant sign. You probably also stared down the sign prior to walking in and declared victory!

You were going to stick it to this store so bad, they wouldn’t know what happened. “Rooms-R-Us” is going to have to place you on the Do Not Do Business w/ This Guy List because you are the one person who has them figured out. Please be honest and tell me I was not the only one under this illusion.

I walk in the store and POW – there is another giant sign letting me know there is still 0% interest. Next to the sign someone has conveniently hung a giant arrow pointing to the couch that would comfortably seat a Ford Truck. This is where I even think to myself, this poor store wished they never let me in.

I walk over to the couch I never even wanted in the first place, and immediately the friendly salesman jumps out and his teeth are Ah-Maze-Balls. Straight, white, and pure awesome with a smile that says Just go ahead and get your wallet out.

About 10 minutes later, I am walking out of the store the brand new owner of the mega-couch. I am also still under the illusion I just got a deal. In fact, I know I got a deal.

WRONG…… Let’s back the story up just a tad to see what the crap happened to my deal.

Before I walked in and before the sign was ever up, there was a deal being made between Rooms-R-Us and the bank. Rooms-R-Us needs a bank for the financing. This is why if you have ever financed something from a store, you often make payments to a bank rather than the store you bought the item from.

Rooms-R-Us and the bank come up with a brilliant plan. Rooms-R-Us knows they can make a profit on the couch if they sell it for $300 over what they paid. For easy numbers, let’s say they obtained the couch at the wholesale price of $1,800. Therefore, they are going to sell the couch for $2,100 and make roughly $300 profit.

However, they would like to offer 0% interest to attract customers, so they ask the bank to help them out.

Ask yourself this question: If I were a bank, why would I want to lend money to Rooms-R-Us at 0% interest? The simple answer: You wouldn’t and neither do the banks.

They tell Rooms-R-Us:

Instead of selling the couch for $2,100 – sell it for $2,400. At every sale, kick us an instant $300. Then, get a piece of paper and print this in the smallest font legally possible:

“0% interest for the first 18 months. If there is one late payment or the balance is not paid in full within 18 months, you will be charged the original loan amount of $2,400 at a lovely 24% interest. Sign below”

Rooms-R-Us is happy because they know the zero percent tactic will get you in their store. The banks are even happier because not only do they get an instant kick back for every sale, they also get to charge back interest at an alarming high rate for every one of us who says they will pay it off in time – and then we don’t. I am sure you can think of someone who has been there. Maybe that someone is even in your mirror.

Now you know and you can prepare for the next time you see the giant sign on the side of the road. You have now been deputized with the zero percent interest knowledge! However, I don’t want to leave you there, I want to take you to the next level. This level is what I refer to as: Ah-Maze-Zing percent financing.

So, you were just about to sign up for the 0% interest on $2,400 and make 18 payments of $134. You were completely comfortable to sign up for this lovely payment earlier, but let’s switch it around and do something crazy. Let’s put Ah-Maze-Zing percent financing into action.

Let’s delay the instant pleasure of buying stuff NOW because I WANT IT AND I WANT IT NOW! Instead, let’s open a sinking fund and put in $134/month for 14 months.

Wait a second, this only comes out to $1,876.

What if you walk into Rooms-R-Us with a briefcase full of $5s, $10s, and $20s which adds up to $1,876? You start talking to the salesman and right about the time you go over the price, you pop open both latches on the briefcase at the same time in the “Hey, look at me – I’m awesome” way?

If you did this, do you think you could buy a $2,400 couch for $1,876?

The answer is you will, or you will buy from somewhere else that accepts cash (hint: everywhere).

  • Fun Fact: Millionaires do this all the time. Read the The Millionaire Next Door: The Surprising Secrets of America’s Wealthy to see in detail. Peach’s Reading List features this book and many others books which will help you win with money

Don’t beat yourself up if you have fallen into the 0% interest game before. We were once professional 0% buyers of everything. We 0%-ed ourselves to death for a car, a washer machine, dryer, and of course – a Plasma TV Baby! The most embarrassing part: I always assumed I was getting a deal. I didn’t get a deal, but instead got an education from the school of making payments for life. Don’t let this be you too.

Next time you walk into a store that is offering 0% interest, you should be licking your chops and salivating at the chance of getting a REAL deal. Go buy a used (but functional) briefcase at a garage sale and stuff money in there.

Make it look like you are getting ready to party with Jay-Z when you pop open those latches. Watch your opponent start getting nervous and give you that deal you just earned by being money smart. Don’t worry about him, there is someone pulling up right now ready to sign up for 0% payments – aren’t you glad it’s no longer you?

I am here to help, to provide massive value, and most importantly, I am not going anywhere.

I want you to win with money and I want you to take a piece of information from this website and implement in a way that makes sense for you.

The absolute best way to tell me I am helping you is by leaving me a comment below and sharing this on your social media by clicking on any of the icons above.

This money stuff isn’t taught anywhere and it needs to be on the minds of people just like you. What would the world be like if we didn’t have debt payments each month? How would people feel if they no longer had the stress about money? How much more fun could we have if money was no longer the #1 problem in life?

Someone out there needs to see this. It’s helpful, it’s needed, and most importantly – you get to help get the word out.