So, you’ve found your dream MINI, now it’s time to make it yours. A simple solution to MINI ownership for personal use, a MINI Consumer Loan offers the flexibility to choose from a range of agreement terms and the option to pay a deposit or finance with a balloon.
As with all our products, with a MINI Consumer Loan you won’t pay any account keeping fees and you can choose to apply online or by visiting the team at your local MINI Garage.
If your MINI is mostly for personal adventures, this product is designed with you in mind.
| 1 | 2 | 3 |
| CHOOSE YOUR MINI | CHOOSE YOUR AGREEMENT TERM | TAILOR THE OPTIONS TO SUIT YOU |
| We know, it’s hard to pick a favourite. | From 12 to 60 Months. | Choose to pay an optional deposit, trade in your current vehicle, set a balloon payment or set the Guaranteed Future Value with MINI Flex. |
With a MINI Consumer loan, you will have flexible options at the end of your loan term. You can choose to trade-in your current MINI and use any additional funds remaining towards your new MINI, keep loving your MINI by refinancing your outstanding balance (subject to MINI Finance approval) or paying it out. If you are ready to part ways with your MINI you can choose to sell your vehicle and settle the finance owed as well.
Yes generally you can (provided the vehicle meets certain criteria). You can choose to lock in a Guaranteed Future Value (GFV) for your MINI with MINI Flex. This means you’ll know, upfront, how much we’ll value your new or pre-loved MINI for at the end of your car loan agreement. Put simply, this reduces the risk that you’ll be out of pocket at the end of your agreement if the value of your MINI is less than the final balloon amount you may owe at the end of your agreement (subject to the vehicle meeting fair wear and tear and kilometre allowance conditions).
Learn more about the features and options that come with a MINI Consumer Loan.
| FEATURE | AVAILABLE OPTIONS |
|---|---|
| Customer type | Consumer |
| Ownership | Yes |
| MINI Flex^ available | Yes (New/Demo/Used) |
| Vehicle | New/Demo/Used |
| Terms | 12 to 60 months |
| interest Rate | Fixed |
| Payment frequency | Monthly |
| Payment method | Direct debit/BPAY® |
| Balloon/Final lump sum payment | Optional |
| 24/7 online access | Available through MINI One App |
Get a Fast Finance Estimate for your dream MINI in less than 3 minutes. You’ll find out the monthly repayments, interest rate and more based on what you’d like to spend.
Guaranteed future value option for your new or pre-loved MINI.
Insurance requirements can be as unique and individual as your vehicle – that’s why MINI Premier Motor Insurance has been developed with MINI owner’s in mind.
Whether you are looking for support updating your details, managing your repayments or need to discuss your options at end of term, we have you covered.
MINI Financial Services is committed to providing products and services of the highest standard.
Your Business Manager at your MINI Garage will work with you to help you understand your options. Call us on 1800 208 508, or use the form below and we’ll get back to you as soon.
Here you can easily access important documents and manage your agreement at any time. Register now or log in using your details.
Click here to view the MINI Financial Services Target Market Determination.
Finance provided by MINI Financial Services (a division of BMW Australia Finance Limited, Australian Credit Licence 392387). Conditions, lending criteria, fees and charges apply.
MINI Flex consists of:
a) in the case of a loan, an option to deliver the vehicle to us instead of paying the Guaranteed Future Value (GFV) amount at the end of the agreement term; or
b) in the case of a lease, an option to return the vehicle to us and not pay the GFV amount at the end of the lease term,
provided the vehicle is undamaged except for fair wear and tear as determined by our approved dealer and provided that the agreed kilometre allowance has not been exceeded. The GFV is not a representation of the anticipated market value of the vehicle at the end of the agreement term. To be eligible, vehicles must be built within 18 months. Odometer cannot exceed 10,000km at agreement commencement. Lending criteria, fees, charges and conditions apply.
The insurer of this MINI Premier Motor Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708. 10 Carrington Street Sydney NSW 2000. In arranging this insurance MINI Financial Services, a division of BMW Australia Finance Limited ABN 78 007 101 715 and the authorised dealers act on behalf of Allianz and not as your agent. Neither MINI Financial Services nor any of its related companies have any liability in respect of this policy.
