: Once a payment is flagged as overdue, the lender uses an "EMI locker" or "finance gadget locker" app to disable most phone functions. Restriction level
Xiaomi uses a security feature integrated into the "Xiaomi Exclusive" or "PayJoy" framework. When you purchase a phone on EMIs (Equated Monthly Installments), the lender installs a security plugin. If the system detects a missed payment deadline, it remotely triggers a lock screen to restrict access to the device until the dues are cleared [1, 2]. How to Unlock the Device
Some lock systems allow access to emergency calls even while restricted, but this depends on the specific software used by the lender.
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.
In most cases, the unlock is instant once the payment is confirmed by the lender’s server.