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MINI select (PCP).

Deposit + monthly payments + optional final payment.

Offering the opportunity to choose between three options at the end of your agreement makes this our most popular finance product for New and Approved Used MINIs.

Who is it for?

We understand that when you take out a finance agreement, you may not be sure what you’ll want to do at the end of it. This product is perfect if you are looking to combine flexibility with low monthly payments.

How it works.

Begin by choosing which MINI is right for you. Then, decide on your deposit, how long you want the agreement to last (between 24 and 48 months) and what your average annual mileage is likely to be.

We take a portion of the cost of your MINI and freeze it until the end of your finance agreement - this becomes your optional final payment and also reduces your monthly payments.*

We use our expertise to estimate what your MINI will be worth when your finance agreement ends. This is why we also refer to it as your MINI’s Guaranteed Future Value (GFV).

Pay less than you think.

Deferring part of your MINI’s value until the end of your agreement could make your monthly payments significantly lower, giving you the flexibility to opt for the right model within your budget.

The choice is yours.

At the end of your agreement, you will be asked to choose between three options:

1. Pay the optional final payment and keep your MINI.*

2. Part-exchange your MINI for a new one.**

3. Return your MINI and, as long as you have not exceeded the mileage allowance and it has been well looked after, there will be nothing more to pay. ***

Find out about our other products.

MINI Convertible side

MINI hire purchase.

Deposit + Monthly Payments.
MINI Clubman front

MINI contract hire.

Initial Rental + Monthly Rentals.


mini range – mini model range – the mini family

Wondering where to start when it comes to finding the right finance product? Enter the MINI Finance Matcher, a tool that helps to whittle down your options. It can help you find the finance product that best suits your circumstances and budget.