Delayed repayment is not allowed during the outbreak of Xiaomi loan. There is no official notice of deferred repayment during the epidemic period. According to user feedback, calling to apply for deferred repayment during the epidemic period will be rejected. Therefore, during the epidemic, users must repay the Xiaomi loan on time. If they are worried about overdue, they can borrow money from relatives and friends to repay Xiaomi's loan.

Xiaomi loans overdue received a credit report at the meeting, and there were overdue records in the credit report, which had a great influence on personal credit.