Is there any resale value in 0% interest notes?

[Ray Trounday]

I came across a Performing note that has a 0% interest rate and -255.06 payment.  I am working on the assumption that the -255.06 payment is just interest and it does not pay down principle.  When I arrive at a Yield for this note, I get a negative number.  The original terms are as follows:

Original Loan: $140,000

Interest: 0%

Term: 360

Payment: -255.06

When I plug the numbers above in the financial calculator, I get a negative yield of -2.63%.  Why would anyone offer

a loan that returns a negative Yield?  Are they banking on appreciation of the underlying asset?  What is the resale of such a note?

It seems that I would need to take a serious haircut to entice someone to buy this note.  Thoughts?