re: Best option to finance a vehicle?

Just check the manufacturer financing options before going on the vehicle you want. A lot of times that is the best rate you'll get assuming you can qualify (not close to everyone does). Almost 100% of cases if you cant get that, you're probably better off getting a credit union/bank loan instead of the rates the dealer will pull. The rate the dealer will pull they always tack on a little extra to make a cut, this is part of how dealers make money on new/used car sales themselves. So if you can get say 2.9% from Bank of America for example, they may say they can finance you for 3.4% from Bank of America, they pocket that extra 0.5%.

Not near everything is 0% right now, although that certainly exists for a lot of models, it's not the standard by any shape of the imagination. A lot of 0% offers though are only for 36 months (see: Honda right now), so unless you have a substantial trade in or cash down, expect very large payments if you're financing say a $30k-$40k vehicle for just 36 months. A lot more American manufacturers run 0% for longer periods like 60-72 months.