zero interest
I'm sorry to hear of your situation. It is a shame that finance
I'm sorry to hear of your situation. It is a shame that finance companies are such sticklers. But in business, it's all about their bottom line and making a return for the investors.
Realistically, nobody is every going to loan out money at 0%. What would be their incentive to loan it out if they couldn't make some sort of return off it? That's why they call it "interest" ... because the money they can charge keeps them "interested" in loaning out their money. If someone has $108K and had a choice of loaning it out for free, or even just putting it in a savings account and earning 1%, they would want to put it where it will get bigger over time.
Risk also plays a big role. Because a lender wants to make sure they will get it back eventually. Lending to consumers is very risky, because people fall on hard times or just flat out refuse to repay things. In that sense, at 0%, $108K would be safer under my mattress than in someone elses hands.
So those two factors, risk and return, are two reasons why you'll never see large loans like that at 0%. Sorry to say.
Sorry but I have done a lot research on 0% financing, and I do n
Sorry but I have done a lot research on 0% financing, and I do not think there is anywhere you can get that from. A possibility is some sort of orthodox Islamic Banking outfit where they operate without interest, however you will really need to try hard and just see if you can even qualify for their terms.
All the best in your efforts. Let me know if you come up with anything!