A zero percent finance agreement is essentially an interest free loan that facilitates the purchase of specific products, offering consumers immediate satisfaction and gratification when something's priced out of reach suddenly becomes affordable through deferred billing. While some caution that if it sounds too good to be true, it probably is, there are those who swear by its benefits. With numerous merchants in the Nepali market now advertising various no interest financing plans to catch the eye of shoppers and generate traffic, it takes a discerning consumer to differentiate a good deal from the bad. While a good scheme can prove to be a great deal for people who manage their finance responsibly, the key lies in empowering self with information and evaluating an offer properly before taking the leap.