Car shoppers are continually being fed conflicting information when it comes to the best choices to make about cars and loans. The reason for this is typically because each person has a unique situation that will affect all aspects of the car-buying process. What is a smart choice for one person may be another’s downfall. What worked for someone in the past, may not work for you today. The same is true of zero-down car loans. In certain cases, it may work in your favor, but in others, zero-down car financing could put you in an unnecessarily difficult situation.