I bought this car at zero interest rate. The car dealer lent you money. It was paid back after 82,000 years, with no interest. In fact, this is also one of the promotion methods of merchants. Some 4S stores can't give you a discount after the loan, while others still give you a discount. It depends on how you talk. I think 0 interest rate loan is cost-effective. Anyway, I don't need interest and I don't want to borrow it for nothing. It is a good choice to put your money in the bank or make some other investments.