Fair price
Mini Countryman
2017 Cooper Auto
PetrolAutomatic49,424 mi2017
£200/yr
Finance available on request
£13,495
cash
Chelmsford Car Company Limited·4.8 (155)· Chelmsford
MINI Countryman representative finance example
A genuine Hire Purchase quote for a 2020 MINI Countryman currently in stock. Individual deals vary with price, deposit, term and your circumstances.
- Finance type
- HP
- Monthly payments
- £397
- Term
- 60 months
- Contract length
- 60 months
- Cash price
- £17,795.00
- Cash deposit
- £0.00
- Total amount of credit
- £17,795.00
- Total amount payable
- £23,858.00
- Representative APR
- 12.9%
- Total charge for credit
- £6,053.00
- Fixed rate of interest pa
- 6.80%
- Option to purchase fee
- £10.00
The legal bit
OAK TREE MOTOR COMPANY WALES LIMITED is a credit broker and not a lender. They are on the FCA’s Financial Services Register (firm reference number 448152).
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 Countryman 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 Countryman, 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 Countryman outright at the end and there are no mileage limits.
How HP works → Soft search
See what you could be offered on a MINI Countryman
Check your eligibility for MINI Countryman 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 Countryman in stock now — from £10,995
Fair price
Mini Countryman
2017 Cooper S E All4 Auto
Petrol Electric HybridAutomatic41,866 mi2017
£200/yr
Finance available on request
£13,495
cash
Chelmsford Car Company Limited·4.8 (155)· Chelmsford
Mini Countryman
2019 Cooper S E All4 Sport Auto
Petrol Electric HybridAutomatic48,809 mi2019
£200/yr
Finance available on request
£14,295
cash
Chelmsford Car Company Limited·4.8 (155)· Chelmsford
Great price
Mini Countryman
2018 Cooper Auto
PetrolAutomatic12,706 mi2018
£200/yr
Finance available on request
£15,795
cash
Chelmsford Car Company Limited·4.8 (155)· Chelmsford
Above market
Mini Countryman
2020 Cooper S All4 Sport Auto
PetrolAutomatic57,945 mi2020
£200/yr
£397/mo
£17,795
cash
Oaktree Motor Company·4.7 (193)· Cwmbran
Fair price
Mini Countryman
2021 John Cooper Works Auto
PetrolAutomatic70,000 mi2021
£200/yr
Finance available on request
£18,995
cash
Chelmsford Car Company Limited·4.8 (155)· Chelmsford
Frequently asked questions
- How much is a MINI Countryman on finance per month?
- Finance on a used MINI Countryman starts from around £397 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked MINI Countryman deal with the full APR and totals.
- Can I get a MINI Countryman on PCP?
- Yes. Personal Contract Purchase (PCP) is available on most used MINI Countryman 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 Countryman — which is better?
- Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the Countryman 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 Countryman 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 Countryman?
- There's no fixed minimum — many MINI Countryman 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 Countryman per month on finance?
- Based on our current stock, we do not have a representative finance example available to quote a specific monthly payment for a used MINI Countryman at this time. Finance is always subject to status.
- What deposit and APR do I need?
- As we do not have a representative finance example available for the MINI Countryman, we cannot provide specific deposit or APR figures. The actual APR you receive will depend on your individual credit history and affordability assessment.
- What's the difference between HP and PCP for a MINI Countryman?
- Hire Purchase (HP) means you typically own the car outright once all payments are made, as you're paying off the full value. Personal Contract Purchase (PCP) offers lower monthly payments by deferring a large part of the car's value to an optional final payment, giving you options to buy, return, or part-exchange at the end.
- Can I get finance on a used Countryman with the price range shown?
- Yes, it is generally possible to get finance on a used MINI Countryman within the £14595 to £19495 price range displayed. The actual finance terms will depend on your personal circumstances and credit checks.