Funding Methods

Welcome to our Financial Services.

We see our role in very simple terms-to put you behind the wheel of your chosen vehicle as quickly and easily as possible.

We are a licensed Credit Broker and can offer many competitive ways for you to purchase that new vehicle you have always wanted. Whether it's for private individuals, existing customers, business users, company car owners or personal finance we have a range of financial services to suit all requirements.

HP (Hire Purchase)

More traditional way of financing, starting with an initial deposit (Often this is made up of your part exchange value) followed by regular monthly payments over a fixed period up to 5 years. At the end of agreement, you pay a small fee and the car is yours.

Select (PCP)

You pay an initial deposit followed by regular monthly payments between 2 to 4 year period. Based on your annual mileage MINI provide you with a Guaranteed Minimum Future Value for your MINI. This becomes your final payment. At the end of the agreement, you choose the options that suits you best.

Option 1: Part-exhange your car. Any surplus value over the Guaranteed Minimum Future Value goes towards your next deposit.

Option 2: Keep your car. Simply pay your final payment (the Guarantee Minimum Future Value) plus a small purchase fee and the car is yours.

Option 3: Return your car. If you prefer to hand your car back? You will need to contact MINI Financial Services, and they will arrange for collection of your MINI. As long as your car is in good condition and you haven’t exceeded your agreed mileage, you’ve nothing more to pay. 

Contract Hire for Business

Traditionally has been trouble free and cost effective way to run business vehicles. Where it really comes into its own, is the fact that you can reclaim the VAT on the MINI you drive. You choose the hire period that’s right for your business (between 2 to 4 years) on your agreed maximum annual mileage. After you pay your initial deposit, your regular rental begins. At the end of the agreement, MINI Financial Services will arrange collection of your MINI. 

Lease Purchase

This in many ways, is similar to MINI Hire Purchase. The major difference is that your regular payments are lower than they are with MINI Hire Purchase because there is a large final payment. It’s based on the cars estimated resale value taken into account your mileage during the agreement. However, unlike MINI Select, this rental is not optional and there is no security of a Guarantee Minimum Future Value.

Please Call: 0844 470 3197
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