The maximum loanable period of Xiaomi loan is 12. If you don't have enough repayment ability, you can negotiate repayment with Xiaomi Loan. However, whether it is possible to negotiate repayment of 36 installments depends on the provisions of Xiaomi loan. Generally speaking, if repayment is negotiated after several months, the success rate is relatively high. Negotiation is to extend the repayment for three years, which is difficult to achieve unless the borrower has extremely special circumstances.

In addition, if Xiaomi's loan is not repaid on time, the overdue record is the credit report at the meeting, which will adversely affect personal credit.

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