Universal Lenders

At Universal Lenders LLC, we make it easy for dealerships to sell more protection products — without approvals, delays, or interest charges. Through our award-winning ZERO Plan®, we offer 0% consumer payment plans for Automotive, RV, Powersport, and Marine F&I products — helping dealers increase profits, enhance customer satisfaction, and close more deals on the spot. Unlike traditional financing programs, ZERO Plan requires no credit checks or approvals — ever. Dealers can instantly provide customers with flexible monthly payments for service contracts, tire & wheel and other protection products, turning “no” into “yes” more often. Recognized since inception with the Dealers’ Choice Award for Best F&I Financing Provider, and backed by an A-rated reputation with over a decade of nationwide service, Universal Lenders continues to lead the way in 0% payment innovation. Learn more at and discover how ZERO Plan helps dealers sell more — the easy way.