Universal Lenders Extends the ZERO Plan to AUL Dealers
NAPA — AUL Corp., a used-car service contract provider, and Universal Lenders LLC, creator of The ZERO Plan, announced that they will be working together to allow dealers to provide premium financing through The ZERO Plan to customers who purchase an AUL vehicle service contract.
"We are excited about the opportunity to work with Universal Lenders so that our agents and dealers can benefit from The ZERO Plan,” said Jimmy Atkinson, COO of AUL. “We believe it provides a great tool for our agents to compete in the marketplace as well as provides key dealer benefits."
Founded by a high-volume dealer with six franchises who had been in the business for 20 years, Universal Lenders LLC created “The ZERO Plan” to serve the automotive industry by offering zero percent financing for most F&I products, reported F&I and Showroom magazine. The benefits of “The ZERO Plan” include helping dealerships increase their aftermarket product sales, providing payment to dealers within seven days with cancellation rates under five percent, and providing a financing option for consumers.
"The team at Universal Lenders is excited to be partnering with AUL, whom we recognize as a leader in our industry,” said Jeff Jacobs, president of Universal Lenders. “The ZERO Plan will offer the AUL dealer client a powerful closing tool that is also the most dealer-friendly in the industry. Our goal is to drive incremental sales for both AUL and our dealers."
More Industry

Charger Network Growth Slows
Despite a projected increase in public EV chargers in 2026, charging infrastructure remains a top concern for consumers as the gap between the most and least EV-friendly places remains substantial.
Read More →
Lenders, Consumers Take on More Auto Loan Risk
September records loosened credit access the most in over a decade as buyers took advantage of the conditions to afford trading, though loan applications fell.
Read More →
Next-Gen Hybrids in Sight
Dealerships can expect to see revamped hybrids from Honda next year as the company rolls out a new system and model lineup.
Read More →
Gem State Stores Change Hands
A larger auto group founded in the industry’s early years sold two franchises to a neighbor group that's on a growth spurt.
Read More →
Charging In Motion
Honda has been researching wireless in-motion charging for electric vehicles since 2025, and new technology developments have put it a step closer to a final product.
Read More →
Twin Cities Stores Sell
Minnesota-based Walser Automotive Group made what it called the most significant acquisition in its history with a three-rooftop deal in Minneapolis.
Read More →
U.S. Auto Sales Still Below Prepandemic Levels
Mobility Global industry observers don’t expect the market to return to the higher volumes that became routine before Covid but to stay well below its potential.
Read More →
The Powertrain Shift
Electric-vehicle owners are backpedaling, according to new data, with product availability driving many to shift back to gas-powered engines.
Read More →
Achromatic Autos
The shades that dominate the U.S. car market don’t call attention to themselves, though grayscale may have plateaued after a 30-year upswing, research shows.
Read More →
Used-Vehicle Affordability Worsens
Listing prices in August defied seasonal trends, rising above $27,000 for the second time this year.
Read More →