Above market
Mini Clubman
2013 One D Clubman
DieselManual58,000 mi2013
Band B · £20/yr
£159/mo
£5,990
cash
Protheroes·4.4 (74)· Market Harborough
MINI Clubman representative finance example
A genuine Hire Purchase quote for a 2013 MINI Clubman currently in stock. Individual deals vary with price, deposit, term and your circumstances.
- Finance type
- HP
- Monthly payments
- £159
- Term
- 60 months
- Contract length
- 60 months
- Cash price
- £5,990.00
- Cash deposit
- £0.00
- Total amount of credit
- £5,990.00
- Total amount payable
- £9,520.00
- Representative APR
- 21.9%
- Total charge for credit
- £3,520.00
- Fixed rate of interest pa
- 11.75%
- Option to purchase fee
- £10.00
The legal bit
Protheroe Motor Group Limited (THE) is a credit broker and not a lender. They are on the FCA’s Financial Services Register (firm reference number 723789).
Dealers can introduce you to a limited number of preferred lenders and/or brokers. No advice or recommendation is made — you must decide whether the finance is right for you.
Finance is subject to status (income, employment and creditworthiness) and approval. Available to permanent UK residents aged 18 and over. Terms and conditions apply.
How MINI Clubman finance works
PCP (Personal Contract Purchase)
Lower monthly payments because a large "optional final payment" is deferred to the end. At the end you choose to pay it and keep the Clubman, hand it back, or part-exchange. Mileage limits apply.
How PCP works →HP (Hire Purchase)
The whole price (minus deposit) is spread over the term. Payments are usually higher than PCP, but you own the Clubman outright at the end and there are no mileage limits.
How HP works → Soft search
See what you could be offered on a MINI Clubman
Check your eligibility for MINI Clubman finance in about 60 seconds. It's a soft search, so it leaves no footprint on your credit file and you're under no obligation to go ahead.
Check my eligibilityMINI Clubman in stock now — from £5,990
Good price
Mini Clubman
2016 Cooper Sd Auto
DieselAutomatic91,000 mi2016
Band C · £35/yr
£169/mo
£7,500
cash
Hanworth Autos Ltd·4.0 (28)· Feltham
Fair price
Mini Clubman
2023 Cooper Classic Auto
PetrolAutomatic32,804 mi2023
£200/yr
Finance available on request
£17,695
cash
Chelmsford Car Company Limited·4.8 (157)· Chelmsford
Frequently asked questions
- How much is a MINI Clubman on finance per month?
- Finance on a used MINI Clubman starts from around £159 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked MINI Clubman deal with the full APR and totals.
- Can I get a MINI Clubman on PCP?
- Yes. Personal Contract Purchase (PCP) is available on most used MINI Clubman listings through our approved dealers. PCP keeps monthly payments lower by deferring a large "optional final payment" to the end; you then choose to pay it and keep the car, hand the car back, or part-exchange. Finance is subject to status and approval.
- PCP or HP on a MINI Clubman — which is better?
- Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the Clubman outright at the end and monthly payments are usually higher. PCP defers part of the value to a final balloon payment, so monthlies are lower but you don't automatically own the car. HP suits high-mileage drivers who want to keep the car; PCP suits lower monthly budgets and shorter ownership. Our PCP-vs-HP guide explains the trade-offs.
- Can I get MINI Clubman finance with bad credit?
- Possibly. Some of our approved dealers work with lenders that consider applicants with a poor or limited credit history, though the APR is typically higher and approval is never guaranteed. Finance is always subject to status, income and creditworthiness. See our bad-credit car finance guide before applying.
- How much deposit do I need for a MINI Clubman?
- There's no fixed minimum — many MINI Clubman agreements are available with a small or even zero deposit, subject to status. A larger deposit lowers the amount you borrow and your monthly payments. The representative example on this page shows the deposit used for that specific quote.
- How much is a used MINI Clubman per month on finance?
- A used MINI Clubman can be financed from £159 per month. This is based on a representative example with a 0% deposit over 60 months at a 13% APR, using a Hire Purchase product. Finance is subject to status.
- What deposit and APR do I need?
- Our representative example for a used MINI Clubman shows a 0% deposit and a 13% APR. Your personal APR will depend on your individual credit history and an assessment of your affordability.
- What is the difference between HP and PCP for a used MINI Clubman?
- With Hire Purchase (HP), you own the MINI Clubman outright once all payments are made. Personal Contract Purchase (PCP) offers lower monthly payments but requires a final balloon payment or return of the car to own it at the end of the term.
- Can I get finance on a used MINI Clubman with the price range shown?
- Yes, financing is available for used MINI Clubman models within the displayed price range of £5,990 to £8,995. The cheapest model starts from £159 per month on finance, subject to status.