I have often wondered how banks and finance companies could afford 0% financing. I always thought that those with awesome credit benefited off the backs of the Joe Schmoe's of the world. While that may be somewhat true, it's not the case where I work. We offer 0% financing but the finance company charges us 15% in order to charge 0%. This causes us to add 15% into the sell price of our product. This is happening everywhere. If you have a loan at 0% for 5 years, chances are you paid the interest up front. Clever marketing indeed.