At Universal Lenders LLC, we help dealerships strengthen and scale their F&I performance — without adding friction to the sales process.

Our award-winning ZERO Plan® delivers true 0% consumer payment solutions for Automotive, RV, Marine, and Powersports protection products. No credit checks. No approvals. No delays.

In today’s payment-sensitive market, discounting erodes margin. Structure preserves it. ZERO Plan empowers dealers to present protection products with confidence, increase penetration, and close more deals — while keeping payments manageable for customers.

🏆 Recognized with multiple Dealers’ Choice Awards for Best F&I Financing Provider and trusted nationwide for over a decade, Universal Lenders continues to lead innovation in 0% payment solutions.

Learn more at www.thezeroplan.com

Universal Lenders

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Universal Lenders

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