this post was submitted on 26 Feb 2026
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A Boring Dystopia
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There's no such thing as a free lunch.
who said the car was free?
you’re just not paying interest
I don't see any comments about a free car, not sure to what you're referencing.
The "no free lunch" is a economics principle, no one is giving away anything for free, even as small as a free lunch. Regarding 0% auto loans... these are just another marketing scheme designed to sell more cars because some subset of consumers reported they didn't want to pay loan interest. Marketing hears that, says great, we'll design a system where you won't pay any interest. If it sounds too good to be true, it usually is... except when a billion dollar corporation is the one offering the *great deal, then you can rest assured it's absolutely too good to be true. Although you're not paying interest, the total loan amount will be comparable to someone with a similar credit score who is paying the interest rate you would have received had you gone that route.
If you're making monthly payments, you're paying more than you would of had you purchased the vehicle outright. This difference is money that could have earned interest in a bank or a return on another financial investment.
Edit: If you can't afford to buy the vehicle outright, you probably shouldn't be buying it.