Xiaomi partners with various entities to offer these installment plans:
: This lock renders the phone unusable until the financial obligation is met, preventing the resale of unpaid hardware. How to Unlock the Device
The safest, fastest, and only permanent way to unlock your phone is to Why Is Your Xiaomi Device Locked?
If the device is locked to a Mi Account, it will ask you for the original Mi Account password after the reset to prevent theft. If you can provide it, you will regain access. If it was a financing lock, the message will likely reappear.
| Step | Action | Details | | :--- | :--- | :--- | | | Identify the lock reason | Check the exact message below "This device is locked" – it usually specifies the reason | | 2 | Contact your financing partner | Call the bank/NBFC that provided the loan; have IMEI and loan account ready | | 3 | Pay all overdue amounts | Clear the outstanding balance, including late fees | | 4 | Obtain clearance certificate | Request written confirmation that your dues are fully paid | | 5 | Notify Xiaomi | Provide your payment proof to Xiaomi Support or submit an appeal via i.mi.com/ss | | 6 | Wait for processing | Review takes 3-5 working days for online appeals | | 7 | Restart your phone | Connect to internet and reboot; the lock should be removed automatically |
If you cannot pay, contact the lender before the due date to discuss alternative payment timelines.
Many carriers provide a 24-to-48-hour temporary extension to let you use your phone and arrange payment.
Prevention is always better than cure. Here are steps you can take to avoid ever seeing this message:
: The most straightforward way to unlock the device is to settle the outstanding balance. Contact the retailer or financier where you purchased the phone to clear the debt. Contact Customer Support
The boot flow works like this: