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Ending your agreement.

In this section you can find the answer to questions you may have about ending your finance agreement. If you can’t find a suitable answer, or would like further information, please contact us.

Ending your agreement early.

If you decide that you're ready for a change earlier than you expected, you can pay off your agreement early at any time by paying the settlement figure.

You can obtain the settlement figure by logging into your MyMINI Finance account. Alternatively use our online contact form, or call us on 0370 5050 123.

Withdrawing from your finance agreement.

Depending on your agreement type, you may have the right to withdraw from your finance agreement within 14 days of signing, by paying back the balance financed, plus any interest. You will need to make this payment within 30 days of notifying us. Once the notification has been received it is not possible to reverse the transaction.

If you are thinking of withdrawing from your finance agreement please call our Customer Services Centre on 0370 5050 123.

Our lines are open 8am to 7pm Monday to Friday, 9am to 5pm on Saturday and 10am to 4pm on Sunday.

Voluntary terminations.

If you have a regulated MINI Select or a MINI Hire Purchase agreement you have the right to end the agreement at any time, known as voluntary termination. You must hand back the vehicle and pay the balance to one half of the total amount due under your agreement (if you have not already paid at least one half) and in addition any arrears, excess mileage and damage charges. Details of this right are set out in your agreement under "Termination: Your Rights".

If you are thinking of voluntarily terminating your finance agreement please call our Customer Services Centre on 0370 5050 123.

Our lines are open 8am to 7pm Monday to Friday, 9am to 5pm on Saturday and 10am to 4pm on Sunday.

Your end of agreement options.

MINI Select (pcp)

1. OWN A NEW MINI.

The simplest way to get into a new MINI is to part exchange your current one. If you part exchange the vehicle for a new MINI, any surplus in the vehicle's part exchange value over the optional final payment can be used as a deposit towards a new MINI.
 

2. KEEP YOUR CURRENT MINI.

If you want to keep your MINI, simply pay your final payment and you will own your car outright. The optional final payment is payable at the end of the agreement if you decide to purchase the vehicle. We remain the owner of the vehicle during the agreement and we may become entitled to recover the vehicle if you do not keep up your repayments.

If you would like to spread the costs of the final payment, please contact one of our finance specialists at your local MINI Centre or contact us directly on 0370 5050 123.3.

3. RETURN YOUR MINI AT THE END OF YOUR AGREEMENT.

With your MINI Select finance agreement you have the option to hand your vehicle back before the optional final payment falls due.

If the vehicle's value is less than the optional final payment, you can hand it back to us without paying the optional final payment. However additional charges may be payable for both excess mileage (actual mileage higher than agreed contract mileage) and vehicle condition (using the standards set by the British Vehicle Rental and Leasing Association BVRLA vehicle condition guide). If your agreement is regulated by the Consumer Credit Act, this contractual option will be in addition to your statutory right to end the agreement early.

You will need to pay all the regular monthly payments and the final part of your credit arrangement fee, if any.

MINI Contract hIRE 

With MINI Contract Hire, you enjoy hassle-free motoring. At the end of your agreement, we'll write to you reminding you that your hire period is due to end soon, and we'll arrange for the collection of your MINI. You can then choose to hire another MINI through your local MINI Centre.


MINI Contract Hire is not available on used cars. We remain the owner of the vehicle during the agreement and we may become entitled to recover the vehicle if you do not keep up your repayments. If the rate of VAT changes during the hiring period, MINI Financial Services may change the rental charges. The amount of VAT you can reclaim depends on your business's VAT status. Additional charges may be payable for both excess mileage (actual mileage higher than contract mileage) and vehicle condition (British Vehicle Rental and Leasing Association Standards).

MINI Hire Purchase

MINI Hire Purchase is a simple and straightforward way to purchase your MINI. We'll write to you to remind you that your agreement is due to end soon. Simply make the final payment and providing that all other payments have been made, you will become the owner of your MINI.

Provided you have made all of the necessary payments due under your agreement. Please note, we remain the owner of the vehicle during the agreement and we may become entitled to recover the vehicle if you do not keep up your repayments.

If you pay by direct debit, this amount will be debited automatically from your account on the agreement end date.

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If you already have a finance agreement with MINI, you can edit your personal details and options on MyMINI Finance.