Universal Integrates ZERO Plan With Darwin Automotive
Universal Lenders, home of The ZERO Plan, announced a full integration with Darwin Automotive’s F&I and digital retailing software suite.

CHICAGO — Universal Lenders LLC announced the integration of its The ZERO Plan program with the entire suite of Darwin Automotive F&I and Digital Retailing software solutions.
Executives said the partnership will allow Darwin’s clients access to premium financing for all F&I products, including noncancelable products, while seamlessly and effortlessly econtracting the transaction.
“The ZERO Plan and Darwin — what a perfect partnership!” said Jeff Jacobs, CEO of Universal Lenders LLC. “The ZERO Plan is the only installment plan that allows multiple F&I products from different providers to be premium financed on one installment agreement with one customer payment. Our dealer-friendly program that funds the dealer in seven days, provides up to 36 installments, and reduces chargebacks by 50%. [It] fits perfectly with Darwin’s award-winning platform.”
“Many of our customers are extremely excited about the addition of The Zero Plan integration,” said Jeff Stafford, CMO of Darwin Automotive. “Our goal is to provide the most seamless experience for our dealerships, and integrations with best-in-class solutions such as The Zero Plan help accomplish this.”
Originally posted on F&I and Showroom
More Digital

Dealer Debrief: New Technician Credential & Vehicles for Change
In this week's debrief, host Lauren Lawrence covers a new ADAS technician credential that is in the works and a partnership between NADA and Vehicles for Change.
Read More →
Dealer Debrief: Dealer's Choice Awards
In this week's debrief, host Lauren Lawrence covers reinsurance, IIHS safety picks, and voting for the 2026 Dealers' Choice Awards.
Read More →
JD Power Launches F&I Performance, ID Verification Tools
The resources are the first two offerings by the company's new Dealer Solutions division, which is being led by auto industry veteran Doug Betts.
Read More →
Advanced Safety Features Make a Difference
GM says research shows such technologies have made real inroads in reducing the rate of U.S. collisions as it aims for crash-free roads.
Read More →
Cox Automotive to Acquire Fullpath
The company says the deal brings artificial intelligence-native data and marketing infrastructure to its dealer network for a unified platform.
Read More →
Managing Risk Effectively Through Changing Times
The variables influencing risk pricing have changed significantly over the past five years. Being proactive and responsive to emerging trends is not optional but essential.
Read More →
Dealer Debrief: EV Sales, Brand Loyalty & More
In this week's Dealer Debrief, host Lauren Lawrence covers EV sales, tire brand loyalty, and new industry executive leaders.
Read More →
Reynolds, Corpay Partner to Enhance Dealership Payables
The new connection between the companies is designed to help digitize payments, targeting smoother transactions for automotive dealers.
Read More →
Owner Retention Stakes Have Never Been Higher
Service advisers represent dealerships’ foundation in fostering ongoing customer loyalty, and they must maintain certain standards to keep that foundation strong.
Read More →
Free Public Scoring System Rewards Honest Dealer Prices
CarEdge Dealer Transparency Index is based on verified quotes, and retailers can be rewarded with badges and other marketable proofs of honest pricing.
Read More →