It is not clear from your post that if you are seeking a loan on 0% rate of interest or 0 (zero) downpayment ?
I don't know about Pakistan but here many car makers offers 0% rate of interest on car loans for selected models ( Usually those which are lying in the inventory for a period longer than the carmaker thought to keep or on models which the car makers produced taking the bank in concurrance and already fixing a margin for the Bank in the original pricing of the car) But there is no Zero downpayment. Atleast you have to pay Rs. 1999/- minimum ( lowest down payment here for a Maruti 800 ) or Rs. 1/- for a Bajaj bike.
And these offers are not for all and sundry. When you go to the showroom, they come up with a list in which your business or your profile does not come listed.
Last December Toyota offerred 0% rate of interest on its Innova MUV in three forms. either you select 0% rate of interest or can avail 80,000/- discount on cash payment for just dont pay anything as down payment and get a loan for 6,92,000/- at raac rate
