Your favourite phone, now affordable.

Effortless on Eyes, Fingertips, and Your Wallet!
High approval rates
High approval rates

We approve 90% of all credit requests.

Zero extra charges
Zero extra charges

100% interest-free plans with no hidden charges.

Lightening fast disbursals
Lightening fast disbursals

Get instant credit disbursals in 10 mins flat!

100% digitised process
100% digitised process

Fully digital application, no physical docs required.


Together with Xiaomi, we aim to make communication affordable & accessible to everyone. We provide creative credit solutions to help people connect, communicate, and grow. With axio, the world is within your reach.

Effortless on Eyes, Fingertips, and Your Wallet!Effortless on Eyes, Fingertips, and Your Wallet!

Finance your smartphone in 4 easy steps

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Frequently Asked Questions

Compared to other financing options, Xiaomi Easy Finance powered by axio, simplifies the purchase of a preferred Xiaomi smartphone for eligible customers through a seamless, paperless procedure. Currently, XEF is exclusively offered at specific Xiaomi stores.

To qualify for a loan by Xiaomi Easy Finance powered by axio, a person must meet the following criteria:
  1. a. Must be 21 years or more at the time of applying for a loan.

  2. b. Must hold a valid permanent account number (PAN) card (used to fetch credit bureau records from relevant entities).

  3. c. Complete the KYC process (which is done either through their details available on CERSAI portal or through OTP based Aadhaar e-KYC, o-KYC verification or Digilocker KYC verification via UIDAI or VCIP).

PAN number is mandatory for completing Know Your Customer (KYC) checks. If an individual doesn’t have a PAN, they will not be able to complete the registration and hence not be able to avail loan from Xiaomi Easy Finance powered by axio.

Customer must give the following information during loan application:
  1. Contact details including mobile number, email ID, address, etc. PAN Card number.

  2. KYC documents (Aadhaar Card, PAN Card, and Driving License) Selfie for validation

  3. Bank account details for direct debit registration.

Customers can opt for Xiaomi Easy Finance powered by axio, as their preferred payment method when selecting their desired phone model during the billing process. Subsequently, they must provide their information and documents to axio for eligibility assessment. Once eligibility is verified and confirmed, customers will receive immediate loan approval. Please note that loan approval is subject to axio’s internal policies.