Financial Services - Financing & Leasing Options | MINI Richmond

MINI FINANCIAL SERVICES. YOUR JOURNEY, MADE SIMPLE.

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ON EVERY ROAD, WITH YOU
EVERY MOMENT.™

Every great journey needs a great co-pilot, and that’s why MINI Financial Services is with you for the long haul. With flexible lease and finance solutions, thoughtfully designed protection products, and convenient online shopping tools, we offer the expertise to ensure you enjoy an exceptional experience. Here’s to the journey ahead, and all the places we’ll go together.

CONTACT A RETAILER

HOW CAN WE HELP YOU?

EXPLORE SPECIAL OFFERS. Motor off in a MINI for less. Discover the latest exclusive offers available for a limited time.

VIEW OFFERS

ESTIMATE A PAYMENT. Explore monthly payment options and compare the costs of leasing and financing with our payment estimator tool.

PAYMENT ESTIMATOR

PRE-QUALIFY FOR CREDIT. Get instantly pre-qualified from the comfort of home, with our secure and fast online process that won’t impact your credit score.

GET PRE-QUALIFIED

APPLY FOR CREDIT ONLINE. Fast track your way behind the wheel by applying for credit on an in-stock vehicle.

EXPLORE INVENTORY & APPLY

PROTECTION PRODUCTS. Discover a range of MINI Financial Services Protection Products designed to protect your investment and secure your peace of mind.

EXPLORE PRODUCTS

MY MINI ACCOUNT. Access your MINI Financial Services account anytime, anywhere, via the MINI App*.

REGISTER NOW

Take the MINI Financial Services Quiz. Find out which MINI Financial Services solutions are right for you! Take the quiz, and we’ll match you up with the best options and products to meet your unique needs.

START THE QUIZ

ALL IN.
SIMPLY SMART.

  • Convenient and intuitive digital shopping tools.
  • Benefit from one single point of contact with a dedicated Customer Interaction Centre Team.
  • Competitive financing options to meet your needs.
  • An attractive integrated financial solution from the people you can trust.
  • Exclusive loyalty programs for existing customers.
  • Reliable, personalized guidance and support – every step of the way.
  • A high degree of flexibility to suit your lifestyle and plans.
  • My MINI Account with 24/7 online access to manage your account.

LEASE PROGRAMS.

THE FUN OF MINI. THE FREEDOM OF LEASING.

When you lease a MINI with MINI Financial Services, you’ll enjoy low monthly payments and maximum flexibility, without having to think about the long term. Simply choose the contract length and mileage option based on your lifestyle – and we’ll help you find a plan that fits you to a T.

THE BENEFITS OF LEASING.

YOU ONLY PAY FOR
WHAT YOU USE.
ATTRACTIVE MONTHLY RATES
AND FLEXIBLE CONTRACT TERMS.
ALWAYS DRIVE THE
LATEST MINI MODEL.

YOUR LEASING OPTIONS:

Explore Standard Lease

STANDARD LEASE. The Simplest Way Into A MINI.

Explore Multiple Security Deposit Lease

MULTIPLE SECURITY DEPOSIT LEASE. Keep Costs On The Down Low.

Explore Single Payment Options

SINGLE PAYMENT LEASE. Pay Now, Save Later.

Explore Lease Kilometre Options

LEASE KILOMETRE OPTIONS. Go The Distance.

STANDARD LEASE.

The Simplest Way Into A MINI.

Our standard lease plan offers a set number of kilometres and a wide range of flexible contract terms. At the end of your contract, you’ll benefit from no residual value risk, and have the privilege to choose from a variety of lease maturity options to easily get into your next MINI.

  • Kilometre Options: Tailor your lease to your driving needs.
  • Flexible Contract Terms: Choose a plan that fits your lifestyle.
  • No Residual Risk: Stress-free end-of-lease experience.
  • Multiple Maturity Options: Seamless transition to your next MINI.
  • Easy Upgrade: Effortlessly switch to a new MINI at lease end.

MULTIPLE SECURITY DEPOSIT LEASE.

Keep Costs On The Down Low.

If you’re looking to keep your lease payments as low as possible, our Multiple Security Deposit Lease may be your best route forward. You’ll have the option to make up to six additional, refundable, and non-taxable security deposits to lower your interest rate and your monthly payments. And at lease maturity, you’ll recoup your security deposit(s)** to put money back into your wallet. Win-win.

**Refundable amount may be reduced by the amount of any outstanding charges on your account.

  • Lower Payments: Additional deposits reduce monthly costs.
  • Save on Interest: Decrease your rate with extra security.
  • Refundable Deposits: Get money back at lease end.
  • Non-Taxable: Extra savings with tax-free deposits.
  • Win-Win Solution: Save now, benefit later.

SINGLE PAYMENT LEASE.

Pay Now, Save Later.

Get the convenience of a cash purchase with the advantages of a lease. With our Single Payment Lease plan, you make one lump sum payment up front and only pay monthly interest on the residual value amount (as opposed to the total leased value). You’ll also get an extra rate reduction up to 1%** to sweeten the deal, which is stackable with other in market offers**. The result: Outstanding savings, zero monthly payments, and the right to purchase your MINI outright at the end of your term.

  • One-Time Payment: Simplify with a single upfront sum.
  • Lower Interest: Pay interest only on residual value.
  • Extra Rate Reduction: Up to 1% off** for more savings.
  • Stackable Savings: Rate reduction can be added to other MINI special offers.**
  • No Monthly Payments: Enjoy your MINI without monthly bills.
  • Purchase Option: Own your MINI at lease end.

LEASE KILOMETRE OPTIONS.

Go The Distance.

Whether you’re into quick jaunts around town or extended excursions off the beaten path, MINI Financial Services offers four kilometre options to suit your driving style. Simply decide how many kilometres you want per year, and we’ll tailor your leasing plan to match your needs.

Standard 24,000 km/year
Option 1: 20,000 km/year
Option 2: 16,000 km/year
Option 3: 12,000 km/year
Option 4: 8,000 km/year

FINANCE PROGRAMS.

OWN YOUR MINI ON YOUR TERMS.

By financing your MINI, you have the flexibility to make it 100% yours. This gives you no restrictions on mileage or years spent together, and the freedom to sell or exchange it when the time’s right. From Standard Financing to OwnersChoice®†, discover financing plans that make it easy to turn the MINI you want into the MINI you own.

†Not available in Quebec.

THE BENEFITS OF FINANCING.

YOUR MINI
IS 100% YOURS.
FREEDOM TO
CUSTOMIZE & ACCESSORIZE.
NO MILEAGE
LIMITATIONS.

YOUR FINANCING OPTIONS:

NOT SURE WHETHER TO
LEASE OR FINANCE?

Compare your options to find the perfect fit.

COMPARE OPTIONS

COMPARE YOUR BENEFITS
MATCH YOUR LIFESTYLE

COMPARE YOUR BENEFITS MATCH YOUR LIFESTYLE

LEASING A MINI

  • MINI fun without ownership commitment
  • Low monthly payments
  • Kilometre options from 8,000 – 24,000 km/year
  • Contract terms from 24 – 48 months
  • Option to return, upgrade, or purchase MINI at lease end
  • Option to add MINI Financial Services Protection Products
  • Exclusive loyalty offers for your next MINI
  • You plan to keep your MINI for 4 years or less
  • You drive less than 24,000 km/year
  • You might move or change your lifestyle in a few years
  • You prefer to change your vehicle every few years

FINANCING A MINI

  • Own your MINI outright
  • Payment-free after contract end
  • No mileage limitations
  • Contract terms from 24 – 48 months
  • Option to add MINI Financial Services Protection Products
  • Exclusive loyalty offers for your next MINI
  • You plan to keep your MINI more than 4 years
  • You drive more than 24,000 km/year
  • You have a predictable lifestyle
  • You don’t mind selling or trading in a vehicle

STILL UNSURE? WE CAN HELP.

Start by browsing our latest inventory or contacting a MINI Retailer.
A MINI Retailer will be happy to answer any questions and guide you through your options.

MINI FINANCIAL SERVICES
PROTECTION PRODUCTS.

PEACE OF MIND, ON ALL LIFE’S ROADS.

We want you to seize every moment out there on the road. So should you encounter any bumps along the way, it’s all good. Our Protection Products provide extra coverage beyond your warranty – so you can protect yourself from unexpected repair costs, while preserving your MINI’s iconic looks, performance, and value – for years to come.

TIRE & RIM PROTECTION
APPEARANCE PROTECTION
EXCESS WEAR & USE PROTECTION
ANTI-THEFT PROTECTION
MECHANICAL BREAKDOWN PROTECTION
LIMITED DEBT WAIVER
LOAN PROTECTION
Don’t let road hazards slow you down. With our Tire & Rim Protection1, you’ll get coverage in the event of damage to your tires and rims by metal, nails, glass, and potholes – without having to incur any additional fees.
  • Comprehensive Coverage. Enjoy up to $12,000 of coverage to protect you from expensive damage.
  • Tire Repair or Replacement. We will repair or replace tires damaged by road hazards.
  • Rim Repair or Replacement. We will also repair or replace rims damaged by road hazards.
  • Curb Scuff Repair. We will repair cosmetic damage to your rims caused by accidental curb scuff during routine parking maneuvers, to a maximum of $2,000.
  • Car Rental Benefit. Car rental reimbursement is included for any eligible Tire & Rim Protection claim.
Your MINI is designed to stand out. Appearance Protection2 is designed to keep it that way. With coverage features like Front Windshield Protection, Paintless Dent Removal, Paint Protection, Interior Protection, and Key Replacement, Appearance Protection will keep your MINI looking factory-fresh, while maximizing its value.
  • Key & Keyless Remote Replacement. We will replace your lost, stolen or inoperable keys and keyless remotes (excluding battery failure) at no additional cost, including charges for reprogramming.
  • Dent Repair. We will use the least intrusive method to repair dents on the exterior painted metal body panels of your vehicle.
  • Interior Protection. We will repair damage to your vehicle’s interior vinyl, leather or fabric components due to accidental tears, scratches, excess wear, stains (excluding juice stains), or weather induced cracking or splitting.
  • Front Windshield Repair. We will arrange to repair chips and/or cracks to your front windshield caused by propelled road hazards.
  • Head & Tail Light Repair or Replacement. We will repair or replace damaged headlights and/or tail lights.
You like your MINI clean and unblemished – and so do we. That’s why our Excess Wear & Use Protection3 offers $7,500 in coverage for non-accident related damage to your windshield, bumper, and body panels, as well as missing parts under $200. No need to worry about minor damage fees at vehicle turn-in – we’ve got you covered.

Coverage includes, but is not limited to the following:

  • Paint scratches
  • Rock chips
  • Chips or cracks to your MINI approved windshield
  • Scratches or scuffs to your MINI approved rims
  • MINI approved tires with less than 3/32”’s of tread Depth
  • Interior rips or tears
  • Missing parts valued at $200 or less
With features designed to discourage thieves and increase vehicle traceability, our Anti-Theft Protection4 helps ensure you’ll be the only one doing the joyriding in your MINI. And in the event your vehicle does get stolen, your coverage may include a credit towards the purchase of a replacement MINI.

Your Benefits:

  • Multiple term options ranging from 24 to 84 months.
  • Protection for recovered vehicles—provides a full refund of the purchase price of MINI Financial Services Anti-Theft Protection if your MINI is stolen or recovered with damaged or missing goods.
  • Protection for unrecovered or total loss vehicles—provides up to $5,000 Retailer discount towards a replacement MINI vehicle if your vehicle is stolen, or recovered and declared a total loss.
Mechanical Breakdown Protection5 is the simplest (and smartest) way to protect yourself from unexpected repair costs beyond the 4-year/80,000-km New Car Limited Warranty†† period. It provides comprehensive coverage on major mechanical components, from engine and transmission, to suspension, steering, and more – for up to 7 years.

As an added benefit, you’ll receive 24/7 roadside assistance for the duration of the term, which provides an extensive range of services designed to keep you moving. Plus, any repairs will be carried out by MINI Certified Technicians using only Original MINI Parts. Contact your MINI Retailer today for package and pricing options.

Your Benefits:

  • Use of quality MINI-approved parts for your vehicle.
  • Repairs performed by MINI Certified Technicians.
  • Coverage throughout Canada and continental U.S.
  • Fully refundable within 30 days of purchase.
  • Valuable additional benefits including rental vehicle ($40 per day, for up to five days) and 24-hour roadside assistance, commencing at time of purchase.
  • Fully transferable to next private owner.
  • Maximum resale value.
If your MINI is ever deemed a total or partial loss due to an accident or theft, the last thing you want to worry about is paying off a lender. Our Limited Debt Waiver6 can help waive some or all of the difference between what your primary insurer pays and what you owe on your vehicle finance agreement.

Replacement Event: If your MINI has been deemed a total loss by your primary insurer, you’ll be entitled to a waiver of certain outstanding debt on your vehicle loan financed through MINI Financial Services.

The Amount Waived Depends On Your Initial Vehicle Loan Amount:
  • Loans of less than $30,000: Up to $2,500 waived.
  • Loans of $30,000 - $100,000 (inclusive): Up to $5,000 waived.
  • Loans of more than $100,000: Up to $7,500 waived.

Repair Event (Optional and only available with the purchase of Replacement Event): You have the option to purchase an additional benefit that will waive a defined amount of your financial obligation in the case of a partial loss.

Elgibility:
  • Available for all MINI models (New, Certified Pre-Owned and Pre-Owned) when the vehicle is financed through MINI Financial Services.
  • Must be purchased at the time of vehicle purchase.
  • Available on loan amounts up to $250,000.
  • Terms available up to 84 months.

Like any good partner, we’re here to help you through all of life’s twists and turns. Our Loan Protection7 product covers your lease and loan commitments to MINI should you experience a critical illness, involuntary loss of employment, disability, or (knock on wood) loss of life. Terms and conditions, including benefits and exclusions, apply. See the Certificate of Insurance for complete details. Contact your MINI Retailer to learn more.

MINI ESSENTIAL LOAN PROTECTION.
  • Bundled coverage for life, disability, and loss of employment
  • Available for ages 17 to 71
  • Tax-free claims benefits
  • No medical questionnaire or exams
  • No smoker premium surcharge
  • Cancellable at anytime
  • Premium can be included with the vehicle financing
VIEW eBROCHURE
MINI CAREFREE LOAN PROTECTION.
  • Selectable coverage for life, critical illness, disability and/or loss of employment
  • Available for ages 17 to 71
  • Tax-free claims benefits
  • No medical questionnaire or exams
  • No smoker premium surcharge
  • Cancellable at anytime
  • Premium can be included with the vehicle financing
VIEW eBROCHURE

GOING ELECTRIC?

WE’RE HERE TO HELP YOU CHARGE AHEAD.

Getting behind the wheel of an All-Electric MINI or MINI Plug-In Hybrid Vehicle has never been easier. That’s because MINI Financial Services has the right lease and finance solutions to match your unique needs. Whether you prefer a fixed monthly payment, or lower payments with a balloon payment at the end of the contract, we’ve got the flexibility you need to charge forward with confidence.

GET PRE-QUALIFIED NOW

LEASING MADE ELECTRIC. For city drivers who don’t need a high mileage lease, we have low mileage options starting at 8,000km/year.

GET CHARGED UP
WITH ACCESSORY FINANCING.
Along with our competitive financing offers for All-Electric and Plug-In Hybrid Vehicles, we also provide financing for all Level 1 and Level 2 Home Charging Accessories. This includes the portable Flexible Fast Charger that can charge your vehicle up to 9.6 kW of speed, provided there is a 40 Amp connection.

PLUG INTO WORRY-FREE
PROTECTION PRODUCTS.
MINI Financial Services also offers a wide range of Protection Products that apply to MINI’s electrified range. From Excess Wear & Use Protection to Appearance Protection, Tire & Rim Protection, and Mechanical Breakdown Protection, we’ve got you covered so you can enjoy peace of mind of all life’s roads.

FREQUENTLY ASKED QUESTIONS.

ABOUT MINI FINANCIAL SERVICES.

What is MINI Financial Services?
MINI Financial Services provides flexible lease and finance solutions, protection products, and convenient online tools to enhance your car buying and owning experience.
What makes MINI Financial Services different than a traditional bank?
MINI Financial Services is your partner in your complete MINI Ownership journey – from before you get behind the wheel to the end of your contract. With MINI Financial Services, you’ll benefit from one single point of contact, reliable personalized guidance, an attractive integrated financial solution that’s tailored to your needs, as well as a range of specialized digital tools that traditional banks can’t offer!
What are the benefits of leasing a MINI?
Leasing a MINI offers low monthly payments, flexible contract terms, and the opportunity to drive the latest MINI models. We offer Standard Lease, Multiple Security Deposit Lease, Single Payment Lease, and Lease Kilometre Options, each tailored to different needs and preferences.
What are the benefits of financing a MINI?
Financing a MINI gives you complete ownership, freedom to customize, no mileage limitations, and the option to sell or trade whenever you choose. We offer Standard Financing, OwnersChoice®† Financing (not available in Quebec), and Refinancing options.
What are the advantages of MINI Financial Services Protection Products over other protection products?
MINI Financial Services Protection Products are specifically designed to protect various aspects of your MINI, with comprehensive coverage that helps you avoid unforeseen expenses. Our Protection Products are fully backed by MINI Financial Services Canada and may be included in your monthly payment installments.
Do all MINI Financial Services Protection Products apply to Electric/Plug-In Hybrid Electric vehicles?
Yes, all MINI Financial Services Protection Products are applicable to MINI’s range of Electric/Plug-In Hybrid Electric vehicles.
Are there any components that are exclusive for Electric/Plug-In Hybrid Electric vehicles on the MINI Mechanical Breakdown Protection contract?
Mechanical Breakdown Protection for Electric/ Plug-In Hybrid vehicles have the following additional components:
  • High Voltage Electric/ Hybrid Electric Battery
  • Hybrid Starter Generator
  • Hybrid Power Control Unit
  • Automatic Transmission including Electric Motor
Am I able to finance the Level 1 and Level 2 charger and accessories?
Yes, you can finance the Level 1 and Level 2 charger and accessories when you finance the vehicle through MINI Financial Services.
What is ‘My MINI Account’ and where can I access it?
Your My MINI Account is a secure online platform provided by MINI Financial Services, designed to give you convenient access to your financial information related to your MINI. Through this account, you can manage various aspects of your MINI financing or leasing directly from your mobile or desktop device. As you approach contract maturity, you will also have access to the End of Term Centre to help you navigate through your options.

You can access the My MINI Account either online or through the MINI App. To visit the account online, click here. Alternatively, for on-the-go access, download the MINI App, which is available through the Apple App Store or Google Play.