Back in the pre-internet day when consumers did not have easy access to major banks, they often had no choice other than to obtain local credit from smaller lendoes, many of which offered much higher rates and less favorable terms than major banks.
With the more recent access to major banks and ability to shop for best terms, if a consumer relied upon a so-called consumer finance company for credit, it is viewed as a negative indication that they could not obtain more favorable credit. Thus, the stigma attached to consumer finance loans.
In your situation, you refer to a $0 APR loan which indicates you took advantage of local credit, not because you could not obtain better financing, but because you took advantage of some promotional offer to entice you to use their financing.
I highly doubt that any mortgage lendor will look askance at the consumer finance loan under the conditions that you apparently used their financing.
It was out of financial benefit to you, not desperation for credit.
