0% financing can entice consumers to spend more than they otherwise would have. The idea of not having to pay any interest may be so attractive to some consumers that they could end up buying items they really can’t afford. This can lead to mounting debt that, at some point, can end up being too overwhelming to deal with. As such, it’s important to only accept a 0% financing offer if you can afford it and you actually need the item you’re trying to purchase.