MINI Convertible finance

Frequently asked questions

How much is a MINI Convertible on finance per month?

The monthly cost of a MINI Convertible on finance depends on the car's price, your deposit, the length of the agreement and the APR you're offered. Open any MINI Convertible listing to see the dealer's representative example.

Can I get a MINI Convertible on PCP?

Yes. Personal Contract Purchase (PCP) is available on most used MINI Convertible 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 Convertible — which is better?

Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the Convertible 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 Convertible 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 Convertible?

There's no fixed minimum — many MINI Convertible 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 Convertible per month on finance?

A used MINI Convertible is available from £303 per month. This representative example assumes a 0 deposit over 60 months with a 13% APR on a Hire Purchase agreement, and finance is subject to status.

What deposit and APR do I need for a used MINI Convertible?

The representative finance example for a used MINI Convertible uses a 0 deposit and a 13% APR. Your personal APR and deposit requirements will depend on your individual credit history and affordability assessment.

What is the difference between HP and PCP finance for a MINI Convertible?

With Hire Purchase (HP), you pay fixed monthly instalments and own the car outright once all payments are made. Personal Contract Purchase (PCP) typically has lower monthly payments as you don't own the car at the end of the term, having options to return it, pay a balloon payment to own it, or part-exchange it.

Can I get finance on a used MINI Convertible with the price range shown?

Yes, finance is available for used MINI Convertible models within the displayed price range of £15995 to £16995. Our cheapest model starts from £15995 or £303 per month on finance, subject to status.