The 0 interest rate of car purchase means that consumers can directly borrow money to buy a car without paying the loan interest rate. That is, the car loan is returned within the specified time, such as 1 year or 3 years, without interest. There are generally two ways to buy a car at 0 interest rate: 1-3 years interest-free loan and 13 months interest-free loan.

1-3-year interest-free loan, that is, consumers only need to pay back the principal and the interest is borne by the dealer. However, only within the prescribed time limit, the repayment is zero interest, and the expenses generated by interest will be paid normally in the remaining months. 13 months interest-free loan means that the longest term of this method is 13 months, and prepayment is not supported, and the repayment interest is zero during this period.