I work at a car dealership. They are just offered promotionally to move cars, of course they lose money doing this. All the car ads you’ll see on TV with surprising low or 0 rates right now are most likely for 2022s. Clearing those out as 2023s come in. And of course this isn’t made extremely clear from the ad.

You do typically need excellent credit, occasionally there is a required minimum down payment, but all of that is secondary to selecting a car that the program applies to. You’re not going to get 0% on a 2023 hot model that is flying off lots all over the country.