Xiaomi YU7 Launches 7-Year Low-Interest Auto Financing Plan to Attract Young Buyers

[Market Strategy] Xiaomi Auto has introduced a 7-year low-interest financing plan for the entire YU7 lineup, with monthly payments starting as low as RMB 2,593.

Core Development: Financial Incentives Target First-Time Young Buyers

Starting January 16, 2026, the Xiaomi YU7 offers a 7-year low-interest loan option with a down payment starting at RMB 49,900 and monthly installments from RMB 2,593. This promotion runs through February 28. Alternatively, customers may choose a 3-year zero-interest plan (down payment from RMB 74,900, monthly payments from RMB 4,961). Additionally, buyers receive dual zero-gravity seats valued at approximately RMB 18,000; those who have already placed orders need only pay an extra RMB 1,000 to upgrade.

Strategic Rationale: Leveraging Financial Tools to Counter Market Weakness

Against the backdrop of a 67% month-over-month decline in January’s new energy vehicle retail sales and increasingly cautious consumer decisions, Xiaomi is using low-interest financing to lower ownership barriers and precisely target the YU7’s core demographic—buyers with an average age of 27.7 years. This approach mirrors Tesla’s recent moves, leveraging Xiaomi’s ecosystem and financial strengths to solidify its market position. However, risks remain, including total interest costs of approximately RMB 14,000 over the 7-year loan term and potential residual value depreciation due to rapid model iteration.