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How does a bank make money on an interest free secured loan?
Very good answers as to how 0% loans are typically done.  In addition, many are either tied to a specific large item purchase, or credit cards with a no interest period.  On credit card transactions the bank is getting a fee from the retailer, who in turn is giving you a hidden charge to cover that fee.  In the case of a large purchase item like a car, the retailer is again quite likely paying a fee to cover what would be that interest, something they are willing to do to make the sale.  They will typically be less prone to deal as low a price in negotiation if you were not making that deal, or at times they may offer either a rebate or special low to zero finance rates, but you don't get both.