Car dealers almost always have signs everywhere saying they offer 0% or 1% APR loans. These loans are almost always reserved only for those with perfect credit scores. They are only advertising them to get you in the door.
Once there they won’t tell you that they’ll offer you that deal, they’ll say they don’t know until they check your credit
When you have finally picked out the car you want and are ready to make a deal, that’s when you’ll find out the bad news that you don’t qualify. But by then they are banking on the fact that you won’t back out since you’ve made it this far.
Those 0% or 1% APR deals are also sometimes reserved for short loans, not for 3 or 5 year loans.