The ZERO Plan®

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Products Eligible for ZERO Plan Financing

The Retailer Agreement allows any enrolled ZERO Plan® Retailer to finance products approved by Universal Lenders LLC. Eligible and approved products can be found by clicking on the Approved Product List below. Products that have been screened and not approved for the list can also be found by clicking on the Ineligible List below. For more information click on the FACT SHEET-Products Eligible For ZERO Plan Financing.

Franchised New Retailers can choose to finance any protection product sold in the F&I Office EXCEPT for GAP.  ZERO Plan will make these exceptions once the Franchised New Retailer contacts our office to request the product exception.  Independent Retailers are not eligible for exceptions.  

Universal Lenders will consider any policy for inclusion on the Approved Product list. Retailers or Agents are encouraged to send a full specimen copy of the policy to Universal Lenders LLC for review.