0% Finance
GZA/Genius Lyrics


Jump to: Overall Meaning ↴  Line by Line Meaning ↴

GZA]
Took her off the showroom floor, no money down
Near the Chrysler Building, the heart of Midtown
Two hundred horsepower under the hood
Junk in the trunk, that be far from damaged goods
Designer frames, the windshield's stay tinted
The most beautiful thing someone invented
A Wrangler had a sticker on the bumper
A sign in case tow trucks tried to dump her
Rear view mirror, that of Serena Williams
Staring with the crime and the look to kill 'em
Brushless showers and the Brazilian wax
Cash in the glove department, freeze from tax
Low mileage, on the odometer
A graduate, with more degrees than a thermometer
Spark plugs for great conversation
She would Focus on the finish line and destination
Steering in the right direction, made sure
I wore a seatbelt, and had airbags for protection
In her tank, she love to stash my tool
I kept it full, super unloaded fuel
She had a room full of skirts and rims
The old ones, used to swing off ropes, that often hung from limbs
A temp at the Ford Modeling Agency
Suburban area, where the Caucasians be
Her great grandfather was a Cherokee Indian
Exploring Navigator, traveling then begin
Sharpening his arrows on Plymouth Rock, commanding chief
Who weighs cattle, only selling the livestock
King of the Frontier, rider of thoroughbreds
He was just as sharp as a needle without thread
Legend in truth, but known to run the herds
His sons were Oldsmobiles who drink Thunderbird
Land Cruisers sitting on fertile soil
With equipment that ran off expensive oil
Folks bragging, said a horse pulled the Volkswagen
They love Mustang Sally and lolly gagging
Fished in Lake Tahoe, cooking Barracuda's
Hundred Impala's with the six shooters
From a long range with the dog Rover
It was something else to see him out and over
Some got caught in the Crossfire, a bunch of rabbits
Indicating these dudes should retire
One was oddball, rocking a sunroof
A gas guzzler, in his grill was one tooth
A strong Accent and a beard like Lincoln
Who hated the Golf course, but he love drinking
Avenger, used to pick up chicks
He had Magnums, that was laying tough but thick
Wore a Blazer, and where he used to hide the ruger
For encounters with the Jaguars and Cougars
A veteran move and salute, sing the anthem
In Accord with the plan, he was a Phantom
He had a fat lady, they called Hummer
And um, she needed bodywork for the whole summer
She had a few friends, who used to stay in the pound
Abandoned parking lots and junkyard down
Regulars in rest areas and truck stops
Cassette player, known to make the tape pop
Gold diggers, who wanted cream like well's Fargo
In Vegas, they circle around a Montecarlo
You know the snakes with the fangs of Vipers
Bloodsuckers, who will use the piss from hiking
Met the Cavaliers at the Outback Steakhouse
Chicken cutlet supreme, just for takeout
One of them was forced to live in Astoria
'cause at the auction they had Crown Victoria
Since then, her friends charged with battery
Had her running off the sweets flattery
She kept a loud muffler, couldn't trust her
Police used to always pull over his duster
A pothead, who some called the Firebird
A foul mouth who could of used wiser words
Her man used to hustle and ran the crack corner
So insecure, he kept Low Jack on her
Peeping with his visors low, high beaming
Temper would accelerate, private eyes scheming
He would check his console for rubber
She would pass the inspection with flying colors
She would turn left, if he said right
On a cycle, he would often run a red light
His voice Echoed if she Dodged a Convoy
A previous owner, all he did was bone her
Some drove her crazy, she was just a loner
He had a leaking transmission fluid
Said it was an accident, didn't mean to do it
No insurance, but a grill to cage
She sobbed uncontrollably and still stayed
Another total Eclipse for the heart
Like the freezing weather that never gave her a start
Plus, he had a Sidekick in his garage
And if he needed a Boost, she would give him a charge
He was sentence for running an Escort service
Escaped from prison but made a few nervous
His baby mother and wife, the BMW
Number one on her list, who he brought trouble to
She done everything to regain her Liberty
Tried to be Audi, but went into delivery
Moved to Aspen, survived the Avalanche
A different Element, inside a cattle ranch




Far away when she changed the pattern
The distance was light from Mercury to Saturn

Overall Meaning

The song "0% Finance" by GZA is an intricate depiction of owning a luxurious car, with GZA vividly describing the car's features and specifications in each verse. The song can also be interpreted as a metaphor for relationships, with GZA personifying the car as a woman who is beautiful, independent, and strong. He goes into detail about the car's past owners and their personalities, highlighting their flaws and how they mistreated her. GZA then provides insight into how he treats her better, offering her love, respect, and protection. The last verse is a fascinating twist, where GZA reveals that the car is not actually his, but of someone he knows, and that the car has been abandoned and left to rust away.


The lyrics of "0% Finance" provide a glimpse into GZA's creative and storytelling abilities. He showcases his mastery of wordplay, metaphors, and similes, and his ability to paint intricate pictures with his words. He also tackles a universal theme of relationships and how we treat those we love, subtly urging the listener to reflect on their own behavior and how they treat their partners.


Line by Line Meaning

Took her off the showroom floor, no money down
Acquired her without making any initial payment


Near the Chrysler Building, the heart of Midtown
Located close to a prominent landmark in the city


Two hundred horsepower under the hood
Possessing a powerful and efficient engine


Junk in the trunk, that be far from damaged goods
Having a well-shaped posterior that is desirable


Designer frames, the windshield's stay tinted
Equipped with stylish glasses and tinted windows


The most beautiful thing someone invented
Considered as an exceptional creation and aesthetically pleasing


A Wrangler had a sticker on the bumper
A Jeep Wrangler had a warning sign on its rear


A sign in case tow trucks tried to dump her
A precautionary sign to deter any attempts of towing or abandoning


Rear view mirror, that of Serena Williams
The rearview mirror reflected a powerful and focused persona


Staring with the crime and the look to kill 'em
Gazing intently with a menacing demeanor


Brushless showers and the Brazilian wax
Showering without using a brush and having a Brazilian wax


Cash in the glove department, freeze from tax
Keeping money in the glove compartment to avoid being taxed


Low mileage, on the odometer
Having driven for a relatively short distance


A graduate, with more degrees than a thermometer
Being highly educated and surpassing the number of degrees in a thermometer


Spark plugs for great conversation
Having engaging and stimulating discussions


She would Focus on the finish line and destination
Maintaining a strong focus on achieving goals and reaching destinations


Steering in the right direction, made sure
Ensuring the path taken is correct and purposeful


I wore a seatbelt, and had airbags for protection
Valuing safety by using a seatbelt and having airbags


In her tank, she love to stash my tool
Keeping valuable possessions hidden in her fuel tank


I kept it full, super unloaded fuel
Ensuring the fuel tank is always full and using premium unleaded fuel


She had a room full of skirts and rims
Having a collection of skirts (clothes) and rims (car accessories)


The old ones, used to swing off ropes, that often hung from limbs
Referring to older skirts that were flirtatious and wild


A temp at the Ford Modeling Agency
Working as a temporary employee at a prestigious modeling agency


Suburban area, where the Caucasians be
Residing in a suburban neighborhood predominantly inhabited by Caucasian people


Her great grandfather was a Cherokee Indian
Having Native American heritage through her great grandfather


Exploring Navigator, traveling then begin
Embarking on explorations using a Navigator vehicle, symbolizing the start of a journey


Sharpening his arrows on Plymouth Rock, commanding chief
Preparing for battle by sharpening arrows on a historically significant rock, assuming the role of a powerful leader


Who weighs cattle, only selling the livestock
Experienced in weighing and selling livestock but not engaging in other activities


King of the Frontier, rider of thoroughbreds
Regarded as a frontier king and skilled at riding high-quality horses


He was just as sharp as a needle without thread
Being incredibly sharp and focused, comparable to a needle without thread


Legend in truth, but known to run the herds
Gaining legendary status for being truthful, while also leading and controlling groups of animals


His sons were Oldsmobiles who drink Thunderbird
His sons, symbolized as Oldsmobile cars, consume alcoholic beverages named Thunderbird


Land Cruisers sitting on fertile soil
Land Cruisers (vehicles) positioned on productive and fertile land


With equipment that ran off expensive oil
Using machinery that required costly oil as fuel


Folks bragging, said a horse pulled the Volkswagen
People boastfully claimed that a horse was capable of pulling a Volkswagen car


They love Mustang Sally and lolly gagging
Having a strong affection for Mustang Sally and leisurely loitering


Fished in Lake Tahoe, cooking Barracuda's
Engaged in fishing activities in Lake Tahoe and preparing cooked barracudas


Hundred Impala's with the six shooters
Owning numerous Impala cars equipped with powerful firearms


From a long range with the dog Rover
Using a long-range weapon alongside a faithful dog named Rover


It was something else to see him out and over
Witnessing his remarkable skills and dominance


Some got caught in the Crossfire, a bunch of rabbits
Certain individuals became trapped and affected in conflicts, resembling a group of vulnerable rabbits


Indicating these dudes should retire
Suggesting that these individuals should retire from their current activities


One was oddball, rocking a sunroof
One person stood out as unusual, flaunting a sunroof on their vehicle


A gas guzzler, in his grill was one tooth
Driving a vehicle that consumes excessive fuel, characterized by having a single tooth on its grille


A strong Accent and a beard like Lincoln
Having a noticeable accent and sporting a beard similar to Abraham Lincoln's


Who hated the Golf course, but he love drinking
Disliking golf courses but having a penchant for consuming alcoholic beverages


Avenger, used to pick up chicks
Using an Avenger car to attract and impress women


He had Magnums, that was laying tough but thick
Possessing Magnums, suggesting he owned large-caliber guns that were powerful and intimidating


Wore a Blazer, and where he used to hide the ruger
Wearing a Blazer vehicle and concealing a Ruger firearm in it


For encounters with the Jaguars and Cougars
Prepared for interactions with luxurious car models (Jaguars) and older women (Cougars)


A veteran move and salute, sing the anthem
Demonstrating experienced actions and respect, and singing the national anthem


In Accord with the plan, he was a Phantom
Aligning perfectly with the plan, he operated discreetly like a Phantom


He had a fat lady, they called Hummer
He possessed a large and powerful vehicle known as a Hummer


And um, she needed bodywork for the whole summer
Referring to the Hummer needing extensive repairs and maintenance during the entire summer


She had a few friends, who used to stay in the pound
She had a group of acquaintances who spent time in jail


Abandoned parking lots and junkyard down
Frequenting deserted parking spaces and rundown junkyards


Regulars in rest areas and truck stops
Often found in rest areas and locations where trucks stop


Cassette player, known to make the tape pop
Using a cassette player that occasionally caused the tape to stop playing


Gold diggers, who wanted cream like well's Fargo
Referring to materialistic individuals seeking wealth, similar to Wells Fargo's cream (money)


In Vegas, they circle around a Montecarlo
In Las Vegas, these individuals repeatedly surround a Monte Carlo car


You know the snakes with the fangs of Vipers
Referring to deceptive individuals with harmful intentions


Bloodsuckers, who will use the piss from hiking
Describing parasitic individuals who would exploit any opportunity for their own gain


Met the Cavaliers at the Outback Steakhouse
Interacting with the Cavaliers (likely basketball players) at an Australian-themed restaurant chain


Chicken cutlet supreme, just for takeout
Ordering a supremely delicious chicken cutlet for takeaway


One of them was forced to live in Astoria
One individual was compelled to reside in Astoria, a neighborhood in New York


'cause at the auction they had Crown Victoria
The reason for the living situation was due to a Crown Victoria being available at an auction


Since then, her friends charged with battery
Subsequently, her acquaintances faced legal charges related to assault


Had her running off the sweets flattery
Manipulated her with false compliments and flattery


She kept a loud muffler, couldn't trust her
Her car had a conspicuously noisy exhaust, leading to doubts about her reliability


Police used to always pull over his duster
Law enforcement frequently stopped his Plymouth Duster car


A pothead, who some called the Firebird
Referring to an individual who frequently smoked marijuana, known by the nickname Firebird


A foul mouth who could of used wiser words
Having a vulgar vocabulary and lacking discretion in choosing words


Her man used to hustle and ran the crack corner
Her partner used to engage in illicit activities and controlled a specific area for selling crack cocaine


So insecure, he kept Low Jack on her
Due to his lack of trust, he installed a tracking device (LoJack) on her


Peeping with his visors low, high beaming
Secretly observing situations with lowered sun visors, while illuminating the area with high beams


Temper would accelerate, private eyes scheming
His anger would rapidly escalate, and he would plot secretive strategies


He would check his console for rubber
He would frequently inspect his car's console for condoms


She would pass the inspection with flying colors
She would easily pass any scrutiny or examination


She would turn left, if he said right
Choosing the opposite direction of his instruction, demonstrating defiance


On a cycle, he would often run a red light
While riding a motorcycle, he frequently disregarded traffic signals by crossing on a red light


His voice Echoed if she Dodged a Convoy
His voice resounded with rage when she avoided a group of vehicles traveling together


A previous owner, all he did was bone her
A former partner who only used her for sexual gratification


Some drove her crazy, she was just a loner
Certain people caused her immense frustration, leaving her feeling isolated


He had a leaking transmission fluid
His car had a problem with the transmission, causing fluid to leak


Said it was an accident, didn't mean to do it
Claiming that the leakage was unintentional and occurred accidentally


No insurance, but a grill to cage
Lacking insurance coverage but possessing a protective barrier in the front of the car


She sobbed uncontrollably and still stayed
Despite feeling overwhelmed with tears, she remained in the situation


Another total Eclipse for the heart
Experiencing another instance of heartbreak or emotional pain


Like the freezing weather that never gave her a start
Similar to the cold weather that never allowed her to begin anew


Plus, he had a Sidekick in his garage
Additionally, he owned a Sidekick vehicle stored in his garage


And if he needed a Boost, she would give him a charge
If he required assistance or an energy boost, she would provide it


He was sentence for running an Escort service
He received a legal punishment for operating a service involving escorts


Escaped from prison but made a few nervous
Managed to break free from prison, causing unease among certain individuals


His baby mother and wife, the BMW
Referring to his child's mother and wife as high-status and luxurious, resembling a BMW car


Number one on her list, who he brought trouble to
Considering her the most important person in his life, although being a source of problems for her


She done everything to regain her Liberty
She made considerable efforts to regain her freedom and independence


Tried to be Audi, but went into delivery
Attempting to end the relationship and move on, but ultimately became pregnant


Moved to Aspen, survived the Avalanche
Relocated to Aspen and managed to survive a destructive avalanche


A different Element, inside a cattle ranch
Living in a distinct environment, specifically within a ranch for cattle


Far away when she changed the pattern
Being physically distant when she altered and deviated from the usual routine


The distance was light from Mercury to Saturn
The physical separation was immense, similar to the distance between Mercury and Saturn in space




Lyrics © O/B/O APRA AMCOS

Lyrics Licensed & Provided by LyricFind
To comment on or correct specific content, highlight it

Genre not found
Artist not found
Album not found
Song not found
Comments from YouTube:

@Dungeon287

For a song that's 100% about cars, the lyricism and wordplay are astounding. GZA never disappoints.

@sdewey4152

I was going to reply to you but I couldn't word it better without rambling for thousands of words.

@kerner82

Similar to “Fame”

@randys2669

@T.J. Kerner In Labels he names various record labels and in Queen's Gambit he names every NFL team.

@clubfillerspinkknickers9791

@Randy S What is wordplay?

@markgillan3750

Pro

3 More Replies...

@LSGNA45

If GZA hooked up with MF doom that would be the sickest album ever

@bostoncarlyle4315

couldn't agree more literally my 2 top mic melters \m/

@jaywood6542

🙋💯👍

@SuperMoss15

Won't be happening in this lifetime.

More Comments

More Versions