FINANCING
SO MINI WAYS TO FINANCE.
With multiple financing options, customizable terms, and no mileage restrictions, there are so many ways to get in a MINI.
BECOME A MINI OWNER
OWN ON YOUR TERMS.
With flexible options to suit your unique lifestyle, you can opt for lower monthly payments or several other paths to MINI ownership.
Select Financing
MINI Select balloon financing is an affordable financing option that offers all the perks of ownership, with lower monthly payments compared to traditional financing.
At the end of your contract, your balloon balance is due. You can pay the balloon balance in full, apply to refinance the balance, or, if you have equity in your MINI, you may be able to use the trade-in value to help cover your balance.
MINI SELECT FINANCING HIGHLIGHTS:
- Available in most states
- Eligible on new, Certified Pre-Owned, or pre-owned MINI vehicles
- No mileage restrictions or wear and use charges
MINI OwnersChoice
A balloon financing option is available to drivers whose vehicle is garaged in Illinois, Texas, and Georgia. It offers low monthly payments and flexibility at the end of the term.
This option allows you to pay the balloon balance in full or apply to refinance the balance at the end of the term. You may also pay off the vehicle in full.
FINANCE PROGRAMS FAQS
FREQUENTLY ASKED QUESTIONS
What financing options does MINI offer?
MINI Financial Services offers competitive interest rates and flexible contract terms with a wide range of down payment options. Our two balloon financing options, MINI Select Financing and MINI OwnersChoice, provide the benefits of ownership with low monthly payments. You can learn more about our financing options here or by contacting your local MINI dealer.
What is MINI Select Financing?
MINI Select balloon financing offers the perks of ownership, with lower monthly payments compared to traditional financing. You can learn more about MINI Select balloon financing here.
MINI Select is available for new MINIs only and is not available in IL, MD, NC, NH, NV, PA and TX. MINI Select is subject to the following limitations: amount financed must exceed $10,000 in HI and NJ, and $45,000 in WV; contracts entered into in ME must be for 48 or more payments.
What are the credit requirements to finance a MINI?
When you apply for financing, you'll submit an application to ensure you meet current requirements. If you have questions about your eligibility or how the financing application process works, contact your local MINI Dealer.
What is the current MINI Finance interest rate?
You can find more details on current MINI offers and interest rates on the Offers Page.
Can I finance a MINI with a car loan?
Yes, in certain cases you can finance a MINI with a car loan.
Can I finance a MINI with no money down?
Yes, in certain cases you may qualify to finance a MINI without putting money down. However, most drivers prefer to make a down payment as it reduces monthly payment costs.
How long does it take MINI to process financing applications?
We do our best to provide responses to all financing applications within a timely manner.
Typically, you can expect a response within 12-24 hours.