Most of them are 0% with fine print
It’s usually things like:
If you are a day late on a payment interest goes to XX% retroactive for the whole loan.
If you don’t pay the loan off by a specific date then the interest rate goes to XX% (like 25% or more)
You are overpaying and they don’t need to charge you interest.
If you are late on a payment they repossess the item and you lose what you have paid already. (“we’ll finance anyone” car lots are often like this)
Something to remember is that debt is debt even at 0% it’s not usually a good thing. These loans are usually predatory and you should cast an evil eye on them when offered.