"Although they may seem like a dream, zero-interest loans can become nightmares for borrowers who don't fully grasp the loan terms. Lenders are quick to cancel zero-interest provisions for customers who fall delinquent on just a single payment. This holds true for revolving debt, such as 0% annual percentage rate (APR) credit cards, and installment debt, such as a car loan. Borrowers who opt for such deals should be mindful of the penalties for paying late or for exceeding the loan's stated terms."

https://www.investopedia.com/articles/personal-finance/081216/zero-interest-loans-why-you-should-beware.asp#:~:text=Key%20Takeaways,entire%20balance%20must%20be%20repaid.