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I have no idea what happened...

HopeForHyrule

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I've been working on getting my home completely upgraded, and when I went to Nook this morning, he said my final upgrade had been completed, so I was like, "Okay, cool."

But when he gave me the whole loan total speech, he said it was 0 bells??? So I can't repay the loan, and he doesn't tell me my loan is completely paid off when I go back in.

I didn't think something like this was possible!
 
GO talk to him. I don't know why, but sometimes the loan is 0 bells.

Check your ABD too, and maybe TT or wait, then he might tell you.
 
it has happened before, if you go to you bank it should say what you need to pay if it is zero then the next day you go to him it should work itself out. I saw a Youtube video on this.
 
Huh, that is weird. Maybe you have to talk to him the next day for the glitch to go away?
 
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