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FINANCIAL SERVICES Overview
FINANCIAL SERVICES OVERVIEW
SIMPLY SMART.
Explore our custom finance programs, flexible leasing options, and comprehensive protection plans, all at your fingertips. All for your drive, all in one place.
European Model Shown.
EASYOWN™
MADE EASY.
EasyOwn makes the journey to jumping into your dream MINI more accessible, intuitive, and empowering than ever—whether you’re leasing or purchasing.
Trust the rate you see
All treats, no tricks—you get the rate you see advertised, no questions asked.
Take the pressure off
Our no hassle, zero pressure approach to financing ensures you make only the best and most informed decisions for you.
Skip to the good part
With our expert teams there every step of the way, you’ll spend less time in the financing office and more time on the road.
Lease vs. finance
TO LEASE OR TO FINANCE?
Explore the benefits of both options and find the perfect fit for you.
Leasing options to meet your needs
Leasing offers maximum flexibility—adjust your mileage, switch to a different MINI, or even buy the one you're driving if it's a match that's meant to be.
Own a MINI on your terms
Purchase your MINI with our flexible financing plans or take advantage of lower monthly payments with MINI Select, OwnersChoice, and more.
Lease offers
SPECIAL 39-MONTH
LEASE OFFER
Take advantage of our limited-time offer for the driven. Get into a new MINI with a low monthly payment.
KICK START THE ADVENTURE.
PROTECTION & INSURANCE
in mint condition.
From comprehensive Protection Products to extended service coverage, we have what you need to ensure your MINI is covered for miles to come.
Extended Coverage
Vehicle Service Contracts (VSC) extend the warranty on your MINI, including high-mileage, all-electric and Certified Pre-Owned.
Protection Plans
Lease End Protection and GAP coverage help protect against unexpected expenses down the road so you can cruise with confidence.
Additional Coverage
Keep your MINI looking shiny and new with Tire & Wheel, Key, Dent, Windshield and All Surface Interior and Exterior protection.
THE MINI CARD
mini in your WALLET.
Turn points into perks, payments, priceless memories, and more.
PROGRAMS & INCENTIVES
FOR UNIQUE DRIVERS.
Everyone should get to have fun in a MINI. We have the programs to make that happen.
FAQs
FREQUENTLY ASKED QUESTIONS
Is MINI Financial Services the same as BMW Financial Services?
While MINI Financial Services is separate from BMW Financial Services, both are part of the BMW Group. MINI Financial Services operates as a division of BMW Financial Services NA, LLC and offers dedicated lease, finance, and protection programs tailored to MINI drivers.
How does MINI Financial Services work?
MINI Financial Services is here to help you get behind the wheel of your dream MINI. Whether you prefer to lease or finance, we offer custom-tailored programs with competitive rates, flexible terms, and no-hassle financing through our EasyOwn™ program. We also offer comprehensive protection plans, GAP coverage, and Lease-End Protection to keep you covered for miles to come.
Who backs MINI Financial Services?
MINI Financial Services is a division of BMW Financial Services NA, LLC, which is a subsidiary of BMW of North America, LLC. Financing is provided through BMW Financial Services NA, LLC and BMW Bank of North America. All offers are subject to credit approval.
Is it difficult to get approved for a MINI Financial Services offer?
MINI Financial Services considers a variety of financial factors when reviewing applications. Approval depends on your credit history, income, and other financial factors. Our EasyOwn™ program is designed to make the process more straightforward and transparent—you get the rate you see, with no surprises. Contact your local MINI Dealer to explore the best options for you.
What is the MINI Financial Services phone number?
You can reach MINI Financial Services at 1-844-426-9774. For lease-specific mileage questions, call 800-959-4269.
How do I contact MINI Financial Services online or by mail?
You can manage your account and send messages through the Owners' Lounge at ol.miniusa.com. For written correspondence, MINI Financial Services can be reached through BMW Financial Services NA, LLC. Contact your local MINI Dealer or visit the Contact Us page at miniusa.com for the most current mailing address.
What is the MINI Financial Services lienholder address?
The lienholder address for MINI Financial Services (for insurance purposes) is: BMW Financial Services NA, LLC, P.O. Box 3608, Dublin, OH 43016. Please verify this address with your MINI Dealer or insurance provider as it may vary by state.
How do I check my MINI Financial Services balance?
Balance and account information are available online 24/7. To check your balances and manage your account, simply sign in to the Owners' Lounge at ol.miniusa.com using your MINI ID Login.
When will I receive my monthly account statements?
Approximately 14 days before your due date. If you would like to see your account statement sooner, sign in at ol.miniusa.com using your MINI ID Login. With paperless statements, you will receive an email alerting you to view your statements online.
Can I make a payment with my debit or credit card?
While you can make payments with your debit card, we do not accept credit cards for regular monthly payments.
Does MINI Financial Services have a grace period?
Your state regulates whether a grace period may apply to your account—the amount of time from your due date to when your account will be assessed a late charge. Please refer to the Account Summary section of your account statement to determine whether a grace period may apply to your account.
What happens when I make payments greater than my regular scheduled monthly payment?
If you pay more than the total amount due, the excess will be applied to the principal balance. This may reduce the interest you pay over the life of your account and may reduce your final payment or shorten the term of your financing agreement.
Is there a prepayment penalty for paying off my MINI early?
MINI Financial Services does not charge a prepayment penalty on retail financing contracts. You may pay off your loan at any time without incurring additional fees. To obtain your current payoff amount, sign in to ol.miniusa.com or contact MINI Financial Services directly.
Will MINI Financial Services defer payments?
MINI Financial Services may have options available if you are experiencing financial hardship. We encourage you to contact us proactively before missing a payment to discuss available programs. Please call MINI Financial Services or message us through the Owners' Lounge at ol.miniusa.com.
Can I trade in my vehicle?
Yes, you can often trade in your current vehicle to reduce the cost of your next MINI. Contact your local MINI Dealer to discuss your options.
How are payments applied?
Payments are first credited to unpaid finance charges, then to the outstanding principal balance, then to any outstanding fees. Payments will be applied on your scheduled due date and will be reflected on your account statement. Please see your account statement for details.
PRIVACY: Please click here for the MINI Financial Services Privacy Statement (including state specific privacy statements) or call us at 844-426-9774.
© 2026 MINI Financial Services, a division of BMW Financial Services NA, LLC. The MINI wordmark and logo are trademarks of BMW AG. BMW Financial Services NA, LLC, NMLS #2738. IL Consumers: Sales Finance Licenses.
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© 2026 MINI USA, a division of BMW of North America, LLC. The MINI name, MINI logo, model names, and other trademarks are trademarks of BMW AG.