Do not waste money on "unlock services" from random Telegram channels. Here is your legitimate path forward:
If Xiaomi changes its financing partner in your country (e.g., from Partner A to Partner B), old records sometimes get lost. Your device might be locked because the new system shows no payment history at all. Do not waste money on "unlock services" from
This is the hardest scenario. You have two options: This is the hardest scenario
Make the outstanding payment through the lender’s official app or portal (e.g., Xiaomi Easy Finance by axio or Bajaj Finserv). Even if you bypass the screen, the phone
Temporary Fixes: These locks are often tied to the device's IMEI at the server level. Even if you bypass the screen, the phone may lock again the moment it connects to Wi-Fi or receives a system update.
For many, this message is confusing—especially if they bought their phone from a third-party retailer or paid in full upfront. This article explains exactly what this lock means, why it bypasses traditional Google FRP (Factory Reset Protection), and, most importantly, how to fix it.