If you opt to barter along with your creditors to pay a lesser quantity, and it is acceptable to them, then you're paying off the debt with cash. Every borrower has a duty to pay back the loan they borrowed from the lender. In the event you're still carrying the majority of the auto debt in your card when the 0% period runs out, you will doubtless end up paying far more in interest than you would have together with your auto mortgage.