If you see this message, there are no secret codes or button combinations to bypass it. The lock is server-side, meaning Xiaomi's servers and its financing partners' servers are communicating to enforce the block. Here are the only legitimate solutions:

Locate your financing contract or check your email for notifications from the loan provider (such as PayJoy, KreditBee, or your local telecom carrier).

Modern Xiaomi security is deeply embedded in the device's hardware. Even if a technician manages to bypass the screen, the lock will usually reappear the moment the phone connects to the internet or receives an over-the-air (OTA) system update.

If you have already paid but the screen remains locked, contact customer care to manually push the unlock command.

Once payment is made, it is not always instant. It can take anywhere from 24 to 72 hours for the financing agency to notify Xiaomi, and for Xiaomi servers to push the unlock command to your device.

If the payment schedule is broken, the carrier sends a "kill switch" signal to Xiaomi's servers. The next time your phone checks in with Xiaomi’s cloud, it triggers a or Financial Lock . The phone is not broken; it is held hostage until the debt is cleared.

: Look at the lock screen for any logos or contact information from a carrier (e.g., T-Mobile ) or a specific financing app.

If your Xiaomi device displays the message it means the financier or retailer from whom you purchased the phone on EMI (Equated Monthly Installment) has remotely disabled it. This is a security measure used by third-party finance providers to ensure payments are made on time. Why Your Xiaomi Device is Locked

This is the most difficult scenario to resolve.

: You can verify if a device has a "bad" or unpaid IMEI through online checkers, though some carrier-specific financing may not show up on generic sites.