Mi Credit

Mi Credit is a personal loan platform from Xiaomi - India’s #1 Smartphone Brand. It offers loans up to 1 Lakh Rupees at low interest rates in the most convenient and secure way. You may use the loan funds for any personal requirement like shopping, travel, education, medical expenses etc.

Mi Credit allows you to apply for a loan in four quick steps and get money within minutes. The application process is completely digital and hassle-free, and can be completed with the help of your mobile phone anywhere, even when you are sitting at your home, office or commuting.

We work with multiple partners to get the best loan offer for you at affordable EMIs. The loan can be repaid with easy EMIs over a period of 3 months to 3 years. You have the flexibility to choose EMI tenure, so that it is convenient for you to pay the EMIs! Interest rates start at 1.35% p.m, and may vary depending on the customer's risk profile.

Credit Report / Experian Score

In Mi Credit app, you can also check your credit report / Experian report worth ₹1,200 for free. You need to provide a few basic details and you can get a detailed analysis of your bureau report. You can use the tips to improve your credit score, which will be handy whenever you need a loan in future.

Product features

Xiaomi's official personal loan app

Best security practices to keep your information safe and secure.

Best loan offers just for you

Loan amount up to Rs. 1 Lakh. Interest rates starting at 1.35% p.m.

Quick approval process

Instant approval and direct money transfer to your bank account.

Easy way to borrow

Simple documentation and 100% online process

How to apply for a loan?

Step 1: Install Mi Credit app from Google Play Store and register through Mi account or phone number

Step 2: Upload KYC documents (ID & Address Proof) & add personal details for online verification

Step 3: Add bank details to facilitate transactions

Step 4: Loan amount up to ₹1,00,000 is disbursed to your bank account quickly

Representative example

If the loan amount is ₹20,000, interest charged is 16.2% per annum and the loan is to be repaid over 6 EMIs, then the overall interest payable would be ₹937 and the EMI per month would be ₹3423.

*Please note the processing fee starts at around 1.99% + GST. The figures provided are indicative and are subject to change from time to time.

Need help? Feel free to contact us

Customer Service Email: service.in@xiaomi.com

Customer Service Hotline: 1800-258-6286 (Monday- Sunday, 9 a.m. to 11 p.m.)

Mi Credit是来自小米的个人贷款平台 - 小米是印度排名第一的智能手机品牌。它以最方便和最安全的方式以低利率提供高达1 Lakh Rupees的贷款。您可以将贷款资金用于任何个人需求，如购物，旅游，教育，医疗费用等。

Mi Credit允许您以四个快速步骤申请贷款，并在几分钟内获得资金。申请过程完全是数字化和无障碍的，并且可以在任何地方借助您的手机完成，即使您坐在家里，办公室或通勤时也是如此。

我们与多家合作伙伴合作，以经济实惠的EMI为您提供最优惠的贷款服务。贷款可以在3个月到3年的时间内通过简单的EMI来偿还。您可以灵活选择EMI使用期限，以便您方便地支付EMI！利率从下午1.35％开始，可能会根据客户的风险状况而有所不同。

信用报告/ Experian分数

在Mi Credit应用程序中，您还可以免费查看价值₹1,200的信用报告/ Experian报告。您需要提供一些基本的详细信息，您可以对您的局报告进行详细分析。您可以使用这些提示来提高您的信用评分，这将在您将来需要贷款时提供便利。

产品功能

小米的官方个人贷款应用程序

最佳安全措施，确保您的信息安全无虞。

最适合您的贷款

贷款金额高达卢比。 1 Lakh。利率从下午1.35％开始

快速审批流程

即时批准和直接汇款到您的银行帐户。

简单的借贷方式

简单的文档和100％的在线过程

如何申请贷款？

第1步：从Google Play商店安装Mi Credit应用，并通过Mi帐户或电话号码注册

第2步：上传KYC文件（身份证和地址证明）并添加个人详细信息以进行在线验证

第3步：添加银行详细信息以促进交易

第4步：贷款金额最高为₹1,00,000，快速支付给您的银行账户

代表性的例子

如果贷款金额为₹20,000，则每年收取16.2％的利息，贷款将在6个EMI上偿还，那么应付的总利息将为₹937，每月EMI为₹3423。

*请注意，手续费从1.99％+消费税开始。提供的数字是指示性的，可能会不时更改。

需要帮忙？欢迎与我们联系

客户服务电子邮件：service.in@xiaomi.com

客户服务热线：1800-258-6286（周一至周日，上午9点至晚上11点）