This Device Is Locked Due To An Overdue Installment Payment Xiaomi Exclusive (2025)

Searching YouTube will show videos claiming to unlock this with:

If you are planning to buy a Xiaomi phone on EMI or second-hand: Searching YouTube will show videos claiming to unlock

Before buying a used Xiaomi device, take these five minutes seriously: Contact the reseller for a refund and report

A: The original buyer purchased the device on installments and defaulted, then sold it to you illegally. You are a victim of fraud. You cannot unlock it without the original buyer’s cooperation. Contact the reseller for a refund and report them to the police. Leave the phone powered on and connected to

After making a payment, the financing system sends a “release command” to Xiaomi’s servers. Your phone checks in periodically (every 6–12 hours). Leave the phone powered on and connected to Wi-Fi or mobile data for up to 48 hours. The lock may disappear automatically.

Objective: To secure devices financed through Xiaomi-affiliated partners or third-party lenders by limiting device functionality if installment payments are overdue, while ensuring the device remains usable enough for the user to make a payment.

Core Philosophy: