A “zero down car deal” might feel like a home run—no cash upfront, no stress. But beneath that shiny pitch lies a host of hidden fees that dealers quietly layer into your loan. These add-ons aren’t always mandatory, yet you end up paying interest on them, too. It’s easy to walk out thinking you scored, only to owe far more than expected. Let’s uncover the five sneaky charges that turn a “zero down car deal” into a dangerous financial trap.
