When I first heard about zero-interest loans, I have to admit, I was intrigued. Who wouldn’t be? The thought of borrowing money without paying interest sounds like you’re beating the system. But like most things that sound too good to be true, these loans come with a mix of perks and pitfalls. Over the years, I’ve helped clients make sense of these offers. And trust me, knowing how to spot traps in the fine print can save you from some serious regret.