Hi,
It's not about whether the effects are on or off, it's about the monitoring path chosen.
If you're hearing the audio as output from the computer, which you could prove by turning up/down the faders and observing change, then you're going to have some latency.
Adding plugins into the path will increase that latency but for zero latency it's still just the wrong path.
If there's a zero latency monitoring option on your hardware, select it.
You can confirm it's working by adding effects or tweaking faders and observing no change to what you hear.
Thanks for the reply, I'm looking to buy a microphone and saw this video https://www.youtube.com/watch?v=mrdvROfxAKI where he shows the delay of 1 audio interface and then their interface, but I wasn't really looking into serious stuff like interfaces and that, I just wanted a little usb mic like a yeti, but just wanted to see if I could still get the no latency whilst using effects before I buy one, as if I couldn't then I would have to buy the one from the video
It's probably possible to use parallel effects like reverb, echo, perhaps chorus while using the mic's direct monitoring function. Series effects like eq and compression will add some latency, but not necessarily enough to matter if the computer is decent. Try it. You would have to defeat the direct monitoring and activate the DAW input monitoring on the track.
It's all about the monitoring path. If you have zero latency monitoring, it's because the interface is feeding the headphones the live signal before it goes into the computer. If you are listening to the computer, there will be latency.
However, there might be a way to route the effects, so that you only hear the effects from the computer and still hear the live feed. This will work for delay effects and possibly reverb, depending on how much latency there is. Adding 40ms of latency to a 200ms delay isn't the end of the world, but adding that much latency to your live vocal would be a big problem.