Welcome Gadget Lovers

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Empower Your Purchases

Buy Electronics Now, Pay Later with DebitCardEmi

Unlock the latest gadgets without a credit card. Use your debit card, PAN, Aadhar, and bank account to finance your purchases seamlessly.


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5K+ ⭐ Happy Customers
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Flexible Down Payment

Choose a down payment between 10% and 20%, depending on your eligibility. If you qualify, you may even get the option for zero down payment!

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Global Vendor Network

Access a global network of over 3,500 vendors, offering a wide variety of products, from smartphones to gaming consoles, across Asia, the UK, and the USA.

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Secure Transactions

Your safety is our priority. We implement advanced security measures to ensure your personal and financial data are always protected.

OUR PROCESS

Secure Financing in 4 Streamlined Steps

Our easy 4-step process simplifies financing, making it accessible for students, job holders, and business owners. No credit card? No problem—get your dream gadget with just a few clicks.

Register to start the process

01

Choose Your Vendor

Select from over 3,500 verified vendors offering the latest electronics. Whether it's a smartphone or gaming console, we've got you covered.

02

Check Eligibility

Use our platform to verify your eligibility, calculate your EMI, and review the down payment. Transparency is key in ensuring you're in control.

03

Submit Your Application

Upload the required documents, including your PAN, Aadhar, and bank details. Our streamlined application process ensures fast approvals.

04

Receive Your EMI

Once approved, you’ll receive a unique EMI ID. Share this with your vendor, and your new gadget will be on its way. Pay as little as 10-20% upfront!

Our Application

All Your Financial Matters in One Comprehensive App

Manage your purchases, payments, and EMIs effortlessly. Track your EMI status in real time, access offers, and receive notifications—everything you need, all in one place.

  • Real-time EMI tracking and updates.
  • Easy payment and profile management.
  • Access exclusive offers tailored to your needs.

📢 Our mobile app is coming soon to Asia in Fall 2025!

Mobile App
Cards

Discover a Diverse Range of
Cards Tailored to Your Needs

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We Support a Variety of Payment Networks:

Including Visa, Rupay, Maestro, and more, ensuring you have the flexibility and convenience you need for your transactions.

Our Products

A Wide Range of
Electronics to Choose From

From the latest smartphones to gaming consoles, explore a wide variety of products available for financing through DebitCardEmi.

Apple iPhones

Get your hands on the latest iPhone models, from the standard to the Pro variants, all with flexible EMI options.

Samsung Smartphones

Explore a variety of Samsung smartphones, including the Galaxy S series, Galaxy Note, and more, with no-cost EMI up to 12 months.

Apple MacBooks

Upgrade to a new MacBook Pro or MacBook Air with convenient EMI options and competitive interest rates.

Gaming Laptops

Choose from top brands like Alienware, ROG, and more. Enjoy the ultimate gaming experience with our financing options.

Gaming Consoles

Get your hands on the latest PlayStation, Xbox, or Nintendo consoles and spread the cost over affordable EMIs.

Other Gadgets

From smartwatches to tablets, explore a variety of gadgets and purchase them with flexible payment options.

Worldwide Reach

Our customer base
reaches worldwide

Loan Calculator

Calculate your loan
& get loan details

Loan Calculator

Loan Term
Loan Amount
$
Interest Rate
%
Loan Duration
@example.com
Start Date
End Date
Total Amount

EMI Amount
Interest Payable
  • EMI Amount (Principal + Interest)
  • Interest Payable
  • Loan Duration
  • Your EMI Amount
Apply Now

Try it for Free

Experience a seamless financing journey with Universal Finance Au Pty Ltd. Register today and explore your options without any cost. Trusted by individuals and businesses alike.

Get Started Now
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