A reset will usually result in the same lock screen reappearing as soon as the phone connects to the internet. ⚠️ Avoid "Bypass" Services
As a device owner with an overdue installment payment, I want my phone to show a clear, secure locked screen that explains the issue, provides actionable payment and support options, and preserves my personal data until I regain access.
Locate your financing contract or check your email for notifications from the loan provider (such as PayJoy, KreditBee, or your local telecom carrier).
To understand why a simple factory reset does not resolve this issue, one must understand the technical underpinnings of the lock. A reset will usually result in the same
: Once the payment is verified by the financier's system, an "unlock" command is typically sent to the device over the internet. This may take a few hours depending on the provider's processing speed.
You cannot access settings, use mobile data, or make phone calls (except for emergency services).
Keep your phone connected to Wi-Fi or mobile data so it can receive the "unlock" command. 2. Contact Customer Support If you believe this is an error: To understand why a simple factory reset does
if the dialer is accessible) and proof of any payments made. Troubleshooting & Support Links
The Xiaomi booted up. His wallpaper appeared: his father, laughing at a wedding, a lifetime ago.
Access to this device has been restricted. Complete your payment to restore full functionality." Why Is This Happening? finance lock You cannot access settings, use mobile data, or
services. This prevents users from simply uninstalling the application to regain access. Selective Functionality Blocking
: The financier can remotely lock or unlock the device via an API or a pre-installed management app.
This is the most direct, fastest, and safest solution. The lock is a financial instrument, so resolving the underlying financial issue is the key.
If you are a second-hand buyer or have lost access to the original Mi Account, this is your primary official option. It is a formal request for Xiaomi to review your case and unlock the device.