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We are now an Apple Independent Repair Provider! | Genuine parts straight from Apple

Buy now, Pay later at

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Discover a wide range of everyday electronics at the most competitive prices at UniverCell. Whether you’re looking for iPhones or screen protectors, shop with confidence and enjoy the flexibility to pay over time using Affirm, without any hidden fees—ever. Get cell phones and accessories with the help of UniverCell Financing.

Unlock Seamless Shopping 4 Interest-Free Bi-Weekly Payments on Purchases as low as $200, No Hidden Fees!
  • Discover 4 interest-free bi-weekly payment options for purchases over $200. Pre-qualify online or in-store.

  • Rest easy with no hidden fees or interest on our payment plans. Transparent and hassle-free shopping guaranteed.

How to buy with Affirm

Univercell Financing
STEP 1

Fill your cart

Shop at UniverCell, be it online or at store and select Affirm at checkout. Then enter a few details for an instant decision. We do a soft credit check when you apply for any Affirm payment plan. This won’t impact your credit score. 

STEP 2

Choose how to pay

Select your payment plan, then confirm your loan. We’ll never charge more than you see up front.

For example: Let’s say you make a purchase of $1,000. Choose to make 4 biweekly, interest-free payments of $250 at 0% APR

Univercell Financing
Univercell Financing
STEP 3

Make your payments

Manage your payments in the Affirm app or online, and set up AutoPay so you don’t miss a payment. But if you do, you’ll never pay any fees.

Questions? We’re here to help

Will Affirm affect my credit score?

Creating an Affirm account and seeing if you prequalify will not affect your credit score.

Does Affirm charge interest and fees?

Fees – We don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.

Interest UniverCell offers purchases with 0% interest. 

What does it mean to prequalify?

When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase. The final amount you qualify for is subject to eligibility criteria.

Can I use my PayBright login on Affirm?

PayBright is now Affirm! When you make your first purchase with Affirm, you will create a new account. If you have an existing PayBright loan, you can access your PayBright loan and account information through the PayBright portal.

Univercell Financing