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MINI Select, our Personal Contract Purchase product, is our most popular car finance product for new and used MINIs.
We defer a portion of your MINI’s value to the very end of your finance agreement, which becomes your optional final payment. This final payment is your MINI’s Guaranteed Future Value and it’s based on what we think your MINI will be worth when your finance ends.
As you are deferring a proportion of the car’s value until the end of the agreement, your monthly payments could be less than you think. This may give you the flexibility to add more options to your MINI, or upgrade to a higher spec model, all within your budget. Or just pay less a month for the MINI you want, compared to Hire Purchase, where you own your MINI at the end of the agreement (although the total amount payable for you to own it may be more).
Simply choose a MINI you like and we’ll arrange a finance package that suits you, depending on how long you want your contract to last (usually between 24 and 60 months), your annual mileage and your deposit. Whether you have a monthly payment or particular deposit in mind, we can rustle up a repayment plan to suit your budget and lifestyle.
The Guaranteed Future Value lets you keep your options open at the end of your agreement. Your choice will be based on the future value of the car, which is why it’s important that your mileage estimate is spot on. Depending on what the market value is when you come to change your car, you have the flexibility to choose from one of the following options:
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