✓ Ethically Transparent

Ethical Finance Without Usury

Auto financing that rejects predatory lending and aligns with your values of fairness, transparency, and human dignity

A Moral Crisis: The Sin of Usury

Religious and ethical leaders have condemned predatory lending for millennia

✝️Pope Leo on Usury

"How far from God is the attitude of those who crush people until they become slaves!"

"Usury is not merely an accounting issue—it is a grave sin that can destroy families, consume the mind and heart, and even lead people to despair or suicide."

— Pope Leo, Address on Usury, 2025

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The Human Cost of Predatory Lending

Interest-based debt doesn't just impact finances—it crushes human dignity, destroys families, and creates cycles of despair. ZeroFi was founded to provide an ethical alternative that honors human worth.

Universal Moral Opposition to Usury

Throughout history, great civilizations and religions have condemned the practice of charging interest

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Christianity

"If you lend money to my people, to the poor among you, you shall not deal with them as a creditor; you shall not exact interest from them."

— Exodus 22:25

For centuries, the Catholic Church banned usury entirely. Modern Christian ethicists continue to condemn predatory lending that exploits the vulnerable.

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Islam

"Allah has permitted trade and has forbidden interest (riba)."

— Quran 2:275

Islam explicitly prohibits riba (interest) in all forms, making interest-free finance the only permissible option for observant Muslims worldwide.

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Judaism

"You shall not lend at interest to your brother."

— Deuteronomy 23:19

The Torah prohibits charging interest to fellow community members, emphasizing mutual support over profit from debt.

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Ancient Greece

"The most hated sort of money-making is usury, which makes a gain out of money itself."

— Aristotle, Politics

Greek philosophers condemned usury as unnatural—money should not breed money without creating real value.

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Roman Law

Roman law strictly regulated interest rates and prohibited excessive usury, recognizing its destructive social impact.

The Twelve Tables limited interest to 8.33% annually, with severe penalties for violations.

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Modern Ethics

Contemporary ethicists condemn predatory lending practices that exploit vulnerable populations and create debt traps.

Studies show high-interest debt correlates with mental health crises, family breakdown, and economic inequality.

The Societal Harm of Usury

Interest-based lending creates systemic problems beyond individual debt

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Destroys Families
•Debt stress is a leading cause of divorce
•Children suffer from financial instability
•Compounding interest creates inescapable cycles
•Families prioritize debt payments over basic needs
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Mental Health Crisis
•Chronic anxiety and depression from debt burden
•Sleep disorders and stress-related illness
•Despair and hopelessness, as Pope Leo noted
•Correlation with substance abuse and suicide
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Economic Inequality
•Wealth extraction from poor to wealthy
•Interest amplifies existing wealth disparities
•Those with least pay the highest rates
•Generational poverty cycles reinforced
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Loss of Human Dignity
•Debtors treated as profit centers, not people
•Reduces human worth to credit scores
•Creates modern form of debt servitude
•Violates fundamental ethical principles

The Ethical Alternative: ZeroFi

Financing that honors human dignity and rejects exploitation

Our Ethical Commitments
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Zero Interest

0% APR guaranteed. We don't profit from debt itself—our revenue comes from real service value.

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Complete Transparency

Every dollar accounted for. No hidden fees, no fine print, no surprises.

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Fair Pricing

Service fees set upfront and never change. Fixed monthly payments you can plan around.

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Real Value Exchange

Premium services (warranty, maintenance) provide tangible benefits—not just profit from time.

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Respect for Dignity

Customers are partners, not profit centers. We succeed when you succeed.

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No Predatory Practices

No debt traps, no compounding charges, no exploitation of vulnerable people.

The Growing Ethical Finance Movement

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Finance Your Values, Not Exploitation

Join the ethical finance movement and choose transparency over predatory lending

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