re: 0% financing on car--is there a catch?

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what if I don't disclose the fact that I am wanting to do the 0% financing until after the deal is set with the price of the car?

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They will let you know right off the bat that the 0% comes with nothing else. This is how they win. The profit from the sale is in the sticker price you're purchasing without financing fees so that they can move the car.