<prompt> Human: I was looking at Fords incentive touting zero percent for 72 months on a 2015 Fiesta. Then I noticed this small print:0 APR financing for 72 months at 13.89 per month per 1,000 financed regardless of down payment PGM 20700 Found it on this Ford page: So whats the 13.89 per month per 1000 all about? Is that just a way to charge interest by calling it a fee instead of interest?  <response>: 13.89 72 1000.08Thats just how much you need to pay each month to pay off the loan. Were you expecting a free car? 