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Mi Credit is the official loan app from Xiaomi - India’s #1 Smartphone Brand, offering loans up to ₹25,00,000 at low interest rates in the most convenient and secure way. One can avail Personal, Business, and Gold loans in a quick and hassle-free manner. Loan amount: From ₹5,000 to ₹25,00,000Interest rates: From 10% to 36% per annumTenure: 91 days to 24 monthsIt offers service to users over 21 years old and 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. You may use the loan funds for any personal or business requirements. You have the flexibility to choose EMI tenure, so that it is convenient for you to pay the EMIs! Personal loan example:Loan amount: ₹20,000Tenure: 6 monthsInterest rate: 16.2% per annumProcessing fee: ₹400 (2%)GST on processing fee: ₹72Total interest: ₹956EMI: ₹3493APR: 36%Loan amount is ₹20,000. Disbursed amount is ₹19,528. Total loan repayment amount is ₹20,956.Credit Report / Experian ScoreIn 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 featuresXiaomi's official loan appBest security practices to keep your information safe and secure. Best loan offers just for youLoan amount up to ₹25,00,000. Interest rates starting at 10% per annum. Quick approval processInstant approval and direct money transfer to your bank account.Easy way to borrow Simple documentation and 100% online processHow to apply for a loan?Step 1: Install Mi Credit app from Google Play Store and register through Mi account or phone numberStep 2: Upload KYC documents (ID & Address Proof) & add personal details for online verificationStep 3: Add bank details to facilitate transactionsStep 4: Loan amount up to ₹25,00,000 is disbursed to your bank account quicklyAdditional informationCustomer Service Email: micredit-support@xiaomi.comCustomer Service Hotline: 1800-258-6286 (Monday- Sunday, 8 a.m. to 11 p.m.)Bug Report Email: micredit-in@xiaomi.comAddress: Orchid Block E, Ground Floor to 4th Floor, Embasy Tech Village, Marathahalli,, SARJAPURA OUTER RING ROAD, Bangalore, Karnataka, India.
