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Released Late August of 2021 Made By Samsung MSRP: 160$ CAN

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How to deal with K G Finance Lock

I have a big issue. I have been cheated by a crook and need help from a Mobile Expert .  At time of Lockdown , I joint the new company at that time work from home was compulsory and unfortunately , my lenovo mobile was not working and so in hurry , I had to purchase  2nd hand samsung Galaxy a03s model A037F,  from chor bazaar in byculla , i hope so you know very well about chor bazaar in Mumbai.  Mobile was running good for 2 months, then after I suddenly got KG finance Lock on my screen . While purchasing I did not  have  any knowledge of the kg lock system, I went through the YouTube videos and then I came to know that this is a loan mobile and Samsung have introduced a new system to lock the phone if a customer doesn't pay the premium amount. I have been trapped and cheated , I have lost my money , I can't use this phone , So what is the solution to this? I want to get rid of this lock . I have tried many mobile technician near by to me , but no one has knowledge to this issue . please guide

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so when you say lock do you mean blacklisted or like a google lock

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it when you take mobile on loan and don't pay the installment , they lock you mobile with finance lock . Untill you don't pay the entire amount they will not remove the lock . So when I purchased in 2nd hand , I was not having any knowledge about this kind of lock system introducted by the smart phones compaines.

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Author's note: I was the kid in high school who openly made deals with the right people to work around the web filter. I know how to deal with local management like MS AD and Apple Remote Desktop and have seen how remote management has evolved. I'm not new to this realm. Once I've written off something as unbreakable, it's not practical.

These Samsung finance locks are using Knox MDM through MDM provided by a 3rd party provider and tied to the IMEI and S/N of the phone. The phone has remote MDM which does not interfere with customer use outside of normal nonrecovery factory resetting in most cases because it is used to secure the asset as its primary function. Companies use the same Knox MDM to lock down corporate phones as well, this is an enterprise feature Samsung makes available to anyone who wants it; outside of corporate-owned devices, this has no value besides locking a financed phone down when it's being financed by a place who primarily services customers known to flake on their bill and not carriers.

There is no way to bypass this outside of replacing the entire motherboard due to how Knox MDM works, as it is cloud-based and locks to the IMEI and S/N after it talks to the MDM provider installed onto the phone. Samsung has a horrible reputation for how many major Android updates they provided on many of these less than flagship class/priced devices. Still, the Knox MDM is secured the moment someone blinks, finds a workaround, and can bypass it. Samsung is %#*@ sure to leave no holes in their permalocked bootloaders and KNOX.

You can often tell by seeing if the nonrecovery mode reset is blocked, as these places (be it Rent-A-Center and your similar rent-to-own shop in your country) block that in 95% of cases to make sure you can't easily flip the phone and avoid paying for it.

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can you educate technically via a video specially or if not via literature that how k g finance lock is installed or connected or fitted in a smart phone and how it works in a smartphone , where exactly the files of k g finance lock is installed or kept and how it works ? thanks

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@nikhilthakkar When someone buys a Samsung phone from a place like Rent-A-Center, part of the contract includes the KNOX MDM being applied for the payment duration period. Once the device is paid off, they release it from the MDM.

Apple ships devices with the MDM preloaded, so it's possible for some of them the shop has it preloaded onto the phone before it gets sold so the store rep doesn't have to apply it manually; others enroll it during the agreement setup.

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ok but I just want to know , In which part of the smartphone k g finance lock files are placed or kept ?

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@nikhilthakkar MDM provider. Cloud based, which companies like VMware provide. They don't provide MDM for rent to own places but some do. PAYJOY is one of the providers as an example.

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do you have any such kind of video , which explain this in better way , about how k g finance works in a smart phone, technical explaination ?

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you could try using this software https://samfw.com/SamFwToolSetup_v4.9.zi...

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Please give me complete knowledge , how to do ? what to do ? which option should I select ? as in my mobile developer option is also locked . So how to use it without developer option ? thanks

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@nikhilthakkar go to mtp it gives kg unlock option but its not fully tested, connect your phone to pc and follow on screen instructions

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what is mtp ? please explain me in detail. thanks for help

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@nikhilthakkar i added a photo, look where it says mtp. it says kg unlock

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ok , but my developer option is locked and so my usb dubbeing is not active , will it work ?

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Nikhil Thakkar さん、ありがとうございました!
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