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MIUI General

[Other] How to use Mi Credit: New User Guideline

2019-04-15 02:32:48
27801 108

Mi Fans!
We are pleased to announce Mi Credit - Xiaomi's official platform offering the most convenient and secure way for users to get access to 'Instant Loans' with low-interest rates. Mi Credit allows users to apply for a loan in few quick steps and get money in real-time. The application process is completely digital and hassle-free and can be completed sitting at your home, office or while commuting with the help of your mobile phone.

Download Mi Credit Here:

The complete process comprising simple steps is explained below:

1. Login & Registration
Download the app from this link & login to the Mi Credit app using your required credentials. If you are first time user with no Mi Account, you can use sign-up option.

2. Profile Creation
In order to get your credit history, we need your PAN card details. Please take a picture of your PAN card, enter your full name (as per your PAN), gender and other details to proceed.

In order to verify your current address, provide any of the following when asked on this screen:
  • Masked Aadhaar
  • Voter-ID
  • Driving licence
  • Passport

Complete the profile by filling up the rest of the information like Loan purpose, mother's name, E-mail. You'll be presented the maximum offered amount for your profile. Select the desired loan amount & tenure in the next screen to proceed.

3. Bank Account Verification
For the loan disbursement and repayment, please add your bank account details here.

4. Loan Agreement & Disbursement
You'll be presented with the loan agreement with all the details and agreement T&C's. If you agree to the presented T&C's, accept and proceed in order to get the money disbursed in the bank account given by you in previous steps.

Loan Repayment StepThe 'Repay' tab in the bottom will have all the information including the repayment schedule, amount, next EMI due date, overdue (if any). You can repay from the amount from here.

Profile & Customer Support
The last tab with the 'profile' section will consist your profile information, bank account details, previous credit history, FAQ and more. You can even chat live with the customer support executive if you have any query.

For any other suggestions, feedback and inquiry please mail us at and we'll get back to you at the earliest.


Number of participants 2 Experience +25 Pack Reason

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2019-04-15 02:32:48
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App Review Team

Maji George | from Redmi 3S


wow... Nice Guide !!
2019-04-15 02:37:08

Super Moderator

MiAkash | from app


Thanks for the guide, R0user. It will be helpful for many people.
2019-04-15 02:41:56
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Grandmaster Bunny

Subhash_Deshmukh | from Redmi Note 4


Wow Nice Information
2019-04-15 02:56:05


Apiyush265 | from Redmi Note 4


Awesome guide!
2019-04-15 03:05:10
wow... Nice Guide !!
2019-04-15 05:26:48
Mi Fan - I ❤️ MI
Always Believe That Something Wonderful Is About To Happen.

Mi FC President

Uddesh Debnath | from Redmi Note 7 Pro


it sure will be very helpful for many
2019-04-15 05:56:50


sktaufiq | from Redmi Y2


Awesome information
2019-04-15 06:07:23
Well Explained!
2019-04-15 07:06:05
Detailed information for the users
2019-04-15 07:09:57

Pro Bunny

TARUN1493 | from Redmi Note 7 Pro


useful information
2019-04-15 07:11:27
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