FINANCIAL SERVICES Lease

When you lease a MINI, you make monthly payments to use the vehicle for a set term—typically 24 to 39 months—and a predetermined mileage allowance. At the end of your lease, you can return the MINI, buy it at the residual value set in your contract, or lease a new one. MINI Financial Services offers both the Traditional Lease and the Motoring Lease, giving you flexibility to tailor your terms and mileage upfront.

Leasing a MINI offers lower monthly payments compared to financing, access to the latest MINI models every few years, and a lower overall financial commitment. You'll also benefit from factory warranty coverage throughout most of your lease term, the flexibility to customize your mileage allowance, and options like the Pre-Pay Lease Program and Multiple Security Deposits to further tailor your payments.

With MINI Financial Services, you can personalize a lease around your driving needs—choosing term lengths, mileage needs, and more. Lease offerings include The Motoring Lease (customizable total-life mileage), the Traditional Lease, and the Pre-Pay Lease Program. Contact your local MINI Dealer to find the right fit for you.

The Motoring Lease lets you decide upfront exactly how many miles you'll need for the entire life of your lease—whether that's 5,000 or 100,000 miles—so your payments are tailored to your actual driving needs. The Traditional Lease offers a standard mileage allowance with easy options to switch your MINI at the end of the term. Both include the flexibility to explore additional ways to structure your lease through MINI Financial Services.

EasyOwn is MINI Financial Services' commitment to transparent, no-hassle financing. Whether you choose to lease or finance, EasyOwn guarantees you get the terms you see advertised—no last-minute changes, no credit score impact during rate exploration, and dedicated expert support throughout the process. It removes the traditional friction from whichever option you choose.

The Pre-Pay Lease Program allows you to pay your entire lease upfront in a single payment, reducing the total amount you pay compared to monthly payments. Once your lease ends, you have the option to purchase your MINI. The Pre-Pay Lease also includes GAP coverage for additional peace of mind.

Multiple Security Deposits allow you to put down up to seven refundable security deposits at the start of a new lease—or transfer the balance from an existing lease at lease end—in exchange for lower monthly payments. The deposits are refunded at the end of your lease term, provided your account is in good standing.

Yes, your lease contract will establish a mileage limit based on your chosen allowance. However, there's no need to worry about overages when you set your mileage up front. With the Mileage Adjustment Program, you can purchase additional miles at a discounted rate, right up until the day before you turn in your vehicle.

With the Mileage Adjustment Program (MAP), you can purchase additional miles at a discounted rate right up until the day before you return your vehicle. To purchase extra miles, call 800-959-4269.

MINI Financial Services does not offer an unlimited mileage lease. However, with the Motoring Lease, you can set your total mileage allowance upfront—whether high or low—so your payments reflect your actual driving needs. If you exceed your allowance, the Mileage Adjustment Program lets you purchase additional miles at a discounted rate before your return date.

MINI lease pricing varies by model, trim, term length, mileage allowance, and current special offers. MINI Financial Services regularly offers promotional 39-month lease deals with competitive monthly payments on popular models including Coopers, Countrymans, and Convertibles. Visit miniusa.com/tools/shopping/offers.html to explore current offers.

MINI Financial Services does not have a specific minimum credit score for leasing or financing. However, well-qualified customers are most likely to qualify for the best rates and terms. Customers with lower scores may still qualify, though with higher interest rates or additional down payment requirements. Contact your local MINI Dealer to discuss your options.

MINI Financial Services considers a range of financial factors. Customers with lower credit scores may still qualify for a lease, potentially with a higher security deposit or adjusted terms. The MINI International Executive Program can also help professionals without an established U.S. credit history obtain financing. Speak with your local MINI Dealer to explore your options.

Yes, in certain cases you may qualify to lease a MINI with no money down. However, most drivers prefer to make a down payment, as it reduces monthly payment costs. Multiple Security Deposits are also available as an option to lower your monthly payments without a traditional down payment.

Yes, you can purchase your MINI at any point during your lease term. To get your current buyout amount, sign in to your account at ol.miniusa.com. Note that MINI Financial Services does not negotiate residual values—the buyout amount is set in your original lease contract. If you finance the buyout through MINI Financial Services, your disposition fee will be waived.

No. MINI Financial Services does not negotiate payoffs or residual values. The residual value of your MINI at lease end is set at the time you sign your contract and is included in your lease agreement for full transparency.

If you end your MINI lease before the scheduled end date, you may be responsible for an early termination fee based on remaining payments and the current value of your vehicle. If you are transitioning to a new MINI, ask your dealer about available pull-ahead options that may allow you to exit your lease early. For your specific early termination amount, sign in to ol.miniusa.com or contact MINI Financial Services.

If you are not ready to part ways with your MINI, MINI Financial Services may have options to extend the term of your lease. Contact us at 1-866-MINI-4-ME (1-866-646-4463) to see how you can hold onto your MINI for longer. Lease extensions are subject to eligibility requirements.

As your lease nears completion, MINI Financial Services makes it easy to plan your next step. You can return your MINI through our streamlined Vehicle Return process, buy your MINI at the residual value in your contract, or lease or finance a new MINI (and have your disposition fee waived). Visit miniusa.com/return-vehicle.html to learn more about the lease-end process.

At the end of your lease, your MINI will be inspected for excess wear and use. Charges may apply for damage beyond normal wear. If you purchased MINI Lease-End Protection, some or all of these potential excess wear costs will be waived. Ask your MINI Dealer about Lease-End Protection when you start your lease.

Modifications to a leased MINI are generally not permitted, as the vehicle must be returned in its original condition. Significant customizations could result in excess wear charges at lease end. If you plan to add aftermarket accessories, graphics, or other permanent modifications, financing your MINI may be the better option as you will own the vehicle outright after all required payments have been made.

Yes, MINI Financial Services offers leasing on MINI Certified Pre-Owned vehicles. To qualify, the vehicle must meet MINI's CPO certification standards. Contact your local MINI Dealer for current availability of certified pre-owned lease options in your area.