{"id":178,"date":"2026-03-09T09:33:00","date_gmt":"2026-03-09T09:33:00","guid":{"rendered":"https:\/\/tt-blogs.dealerfire.com\/folsomautomall\/?p=178"},"modified":"2026-03-25T09:34:56","modified_gmt":"2026-03-25T09:34:56","slug":"what-0-financing-really-means","status":"publish","type":"post","link":"https:\/\/www.folsomautomall.com\/blog\/what-0-financing-really-means\/","title":{"rendered":"What 0% Financing Really Means"},"content":{"rendered":"\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Folsom Auto Mall - What 0% Really Means\" width=\"474\" height=\"267\" src=\"https:\/\/www.youtube.com\/embed\/WSD6dsz8G24?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><strong>What 0% Financing Really Means&#8230;\u00a0<\/strong> <br>For years, you\u2019ve heard the advertisements for zero percent financing on your favorite new vehicles. But what does that mean? No interest financing means you can borrow money from a lender, for free! The money you are borrowing is exactly the amount you\u2019ll be paying back. You won\u2019t pay any additional fees on that loan. What exactly does that mean for you? Depending on how much you\u2019re borrowing, and how long you have to pay it back, that means you could save thousands of dollars on your loan!\u00a0<\/p>\n\n\n\n<!--more-->\n\n\n\n<p><strong>How does it work?\u00a0<\/strong><br>Typically, 0% financing is available for a limited term &#8211; that means a shorter length of time. Lenders might be more willing to loan you money for free if you pay it back faster, so 0% offers are usually available for 24 or 36 months (that\u2019s 2 or 3 years). However, in the last decade, during times of economic trouble or during holidays or special events, manufacturers have extended zero percent financing offers to longer terms to make buying a vehicle more enticing and affordable. Recently, it\u2019s not uncommon to see offers of 0% for 60 months and 0% for 72 months (that\u2019s 5 or 6 years, respectively).\u00a0<br><br><strong>How much can you really save?\u00a0<\/strong><br>In order to qualify for long term interest-free financing, you usually need excellent credit. But if you do have great credit, 0% financing can save you thousands of dollars over the life of your loan. For example, on a $30,000 vehicle, if you paid typical interest of about 5%, you\u2019d be spending an additional $4000 in interest by the end of a 5 year loan. That comes out to an extra $66 a month. It would cost you even more on a longer term loan (over $4700 in interest on a 6 year loan; over $5600 for a 7 year term) or a higher priced vehicle. So, if you can qualify for long term zero percent financing, take advantage and save!<br><br>Check out the no-interest financing deals at the\u00a0<a href=\"https:\/\/www.folsomautomall.com\">Folsom Auto Mall<\/a>\u00a0now. Many manufacturers offer special year end finance incentives to finish the year strong. You can save now by considering a remaining new 2020 model, taking advantage of year-end manufacturer rebates and 0% financing deals. View our\u00a0<a href=\"https:\/\/www.folsomautomall.com\/new-inventory\/index.htm\">new car inventory<\/a>\u00a0or start a\u00a0<a href=\"https:\/\/www.folsomautomall.com\/online-financing.htm\">credit application<\/a>\u00a0now to see if you qualify. If you have any questions or concerns, please\u00a0<a href=\"https:\/\/www.folsomautomall.com\/locations\/index.htm\">contact us<\/a>\u00a0today.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"620\" height=\"335\" src=\"https:\/\/cdn-ds.com\/blogs-media\/sites\/761\/2026\/03\/25093436\/0a031c01ec2baf56ab3b04b954300673x.jpg\" alt=\"\" class=\"wp-image-179\" srcset=\"https:\/\/cdn-ds.com\/blogs-media\/sites\/761\/2026\/03\/25093436\/0a031c01ec2baf56ab3b04b954300673x.jpg 620w, https:\/\/cdn-ds.com\/blogs-media\/sites\/761\/2026\/03\/25093436\/0a031c01ec2baf56ab3b04b954300673x-300x162.jpg 300w\" sizes=\"(max-width: 620px) 100vw, 620px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>What 0% Financing Really Means&#8230;\u00a0 For years, you\u2019ve heard the advertisements for zero percent financing on your favorite new vehicles. But what does that mean? No interest financing means you can borrow money from a lender, for free! The money you are borrowing is exactly the amount you\u2019ll be paying back. You won\u2019t pay any [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[18,14,12],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<link rel=\"canonical\" href=\"https:\/\/tt-blogs.dealerfire.com\/folsomautomall\/what-0-financing-really-means\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What 0% Financing Really Means - Folsom Auto Mall\" \/>\n<meta property=\"og:description\" content=\"What 0% Financing Really Means&#8230;\u00a0 For years, you\u2019ve heard the advertisements for zero percent financing on your favorite new vehicles. But what does that mean? No interest financing means you can borrow money from a lender, for free! The money you are borrowing is exactly the amount you\u2019ll be paying back. You won\u2019t pay any [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tt-blogs.dealerfire.com\/folsomautomall\/what-0-financing-really-means\/\" \/>\n<meta property=\"og:site_name\" content=\"Folsom Auto Mall\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-09T09:33:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-25T09:34:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.folsomautomall.com\/blog\/wp-content\/uploads\/sites\/761\/2026\/03\/0a031c01ec2baf56ab3b04b954300673x.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\">\n\t<meta name=\"twitter:data1\" content=\"2 minutes\">\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/tt-blogs.dealerfire.com\/folsomautomall\/#website\",\"url\":\"https:\/\/tt-blogs.dealerfire.com\/folsomautomall\/\",\"name\":\"Folsom Auto Mall\",\"description\":\"Official Blog\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/tt-blogs.dealerfire.com\/folsomautomall\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/tt-blogs.dealerfire.com\/folsomautomall\/what-0-financing-really-means\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.folsomautomall.com\/blog\/wp-content\/uploads\/sites\/761\/2026\/03\/0a031c01ec2baf56ab3b04b954300673x.jpg\",\"contentUrl\":\"https:\/\/www.folsomautomall.com\/blog\/wp-content\/uploads\/sites\/761\/2026\/03\/0a031c01ec2baf56ab3b04b954300673x.jpg\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/tt-blogs.dealerfire.com\/folsomautomall\/what-0-financing-really-means\/#webpage\",\"url\":\"https:\/\/tt-blogs.dealerfire.com\/folsomautomall\/what-0-financing-really-means\/\",\"name\":\"What 0% Financing Really Means - 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