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The ZERO Plan by Universal Lenders LLC

The ZERO Plan by Universal Lenders LLC Vendor Cyber Rating & Cyber Score

thezeroplan.com
in
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ISO 27001
SOC 2 Type 1
SOC 2 Type 2
PCI DSS
HIPAA
GDPR

Universal Lenders LLC delivers an award-winning, dealer-centric approach to premium financing through The ZERO Plan®—a nontraditional solution designed to help dealerships increase F&I product sales and profitability. Founded by a former auto dealer, Universal Lenders understands the needs of modern retail operations. That’s why The ZERO Plan® was built as a dealer-friendly platform with 0% interest, no credit checks, and no approvals needed—making it easier to sell vehicle service contracts and other F&I protection products to cash buyers and bank-capped customers. After two decades of success in the Chicagoland area, Universal Lenders launched The ZERO Plan® nationwide in 2010. In 2019, the company earned the Dealers’ Choice Award for


ZPULL A.I CyberSecurity Scoring

Incident Details
ZPULL
Company Information
Website:http://www.thezeroplan.com
Employees number:None
Number of followers:6
NAICS:52
Industry Type:Financial Services
Homepage:thezeroplan.com
Cyber Premium EstimationGet Supply Chain
ZPULL Risk Score (AI oriented)
Between 750 and 799
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ZPULLFinancial Services
Updated:
21/03/2026
760/1000
Fair
Baa
AaaAaABaaBaBCaaCaC
Powered by our proprietary A.I cyber incident model
✖ Insurance prefers TPRM score to calculate premium
ZPULL Global Score (TPRM)
xxxx
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ZPULLFinancial Services
•••
Score locked
Instant access to detailed risk factors
Vulnerabilities
Benchmark vs. industry & size peers
Findings

ZPULL
ZPULLFair
Current Score
760Baa (FAIR)
01000
0 incidents
0 avg impact
Incident timeline with MITRE ATT&CK tactics, techniques, and mitigations.
JULY 2026
760Before Incident
JUNE 2026
760Before Incident
MAY 2026
760Before Incident
APRIL 2026
760Before Incident
MARCH 2026
760Before Incident
FEBRUARY 2026
760Before Incident
JANUARY 2026
760Before Incident
DECEMBER 2025
760Before Incident
NOVEMBER 2025
760Before Incident
OCTOBER 2025
760Before Incident
SEPTEMBER 2025
760Before Incident
AUGUST 2025
760Before Incident

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