Comment by Arizhel

Sorry, but that makes no sense. The used-car dealerships giving people crappy high-interest loans are not affiliated (nor are their lenders affiliated) with the new-car dealerships giving people 0% loans. What incentive is there to give someone a 0% loan at all? There's no profit in it. The only way it makes any sense for the lender is if 1) they hope you'll forget to make a payment and then they can charge you fees, or 2) they're affiliated with the manufacturer, and being used to promote sales.