I saw a commercial from Knapp Houston Chevrolet about an offer for zero percent financing, and since I needed a car, I was up there pretty fast. They ran the credit check on me and left me waiting in the little side room for about forty five minutes, and when the Knapp Houston Chevrolet salesperson came back, he said they had approved me for financing with 2.89% APR. I’m like, “what?”

As it turns out, you have to have practically perfect credit to get the 0% financing deal from Knapp Houston Chevrolet or anywhere else, so be careful before you hit the street after you see a commercial like that. The Knapp Houston Chevrolet people were very nice, though, and they managed to get me a rebate instead of the zero percent financing.