Mini PCP Calculator
Calculate your Mini PCP monthly payments for Cooper, Countryman, Clubman. Get instant quotes with our free Mini PCP finance calculator.
Used by 5000+ users
Free to use • No registration required • Instant results
Mini PCP Calculator
Final payment: £11250.00 (45%)
Your Mini PCP Finance Results
Amount to be financed
£21,250.00
Estimated monthly payment
£303.69
Term
48 months
Final payment at end
£11,250.00 (45%)
Total Amount Paid
£29,576.94
Total interest
£4,576.94
About Mini PCP Finance
Mini PCP (Personal Contract Purchase) is one of the most popular ways to finance a Mini.It offers flexible monthly payments and the option to own your Mini at the end of the agreement.
Mini Financial Services provides competitive PCP rates, typically ranging from 4.9% to 9.9% APR. Popular Mini models on PCP include the Cooper, Countryman, Clubman.
With Mini PCP, you can drive with lower monthly payments than traditional hire purchase, and you have the flexibility to upgrade to a newer Mini model at the end of your agreement.
Mini PCP FAQs
What is Mini PCP finance?
Mini PCP (Personal Contract Purchase) is a flexible financing option that allows you to drive a Mini with lower monthly payments. You pay a deposit, make monthly payments, and can choose to buy the car, return it, or trade it in at the end of the agreement.
What Mini models are available on PCP?
Most Mini models are available on PCP including the Cooper, Countryman, Clubman. Mini also offers PCP on their vehicles with competitive rates and flexible terms.
What is the typical APR for Mini PCP?
Mini PCP APR rates typically range from 4.9% to 9.9% depending on the model, your credit profile, and current promotional offers. Mini often runs special finance deals with reduced APRs on selected models.
How much deposit do I need for Mini PCP?
Mini PCP typically requires a minimum deposit of 10-20% of the car's value, though you can put down more to reduce monthly payments. For a £25,000 Mini, you'd typically need a £3,750-£5,000 deposit.
Can I get Mini PCP with bad credit?
Mini Financial Services offers PCP to customers with various credit profiles, though those with excellent credit will get the best rates. They will assess your application and may offer alternative terms if needed.
What happens at the end of Mini PCP?
At the end of your Mini PCP agreement, you have three options: 1) Pay the final balloon payment to own the car, 2) Return the car to Mini (subject to fair wear and tear), or 3) Use any equity as a deposit for a new Mini.
Are there mileage restrictions on Mini PCP?
Yes, Mini PCP agreements include an annual mileage limit (typically 8,000-15,000 miles). If you exceed this limit, you'll pay an excess mileage charge (usually 5-10p per mile) when you return the car.
Can I modify my Mini on PCP?
Mini PCP agreements generally don't allow significant modifications as they affect the car's value. Minor cosmetic changes may be acceptable, but you should check with Mini Financial Services before making any modifications.
Related Mini Tools
Mini MOT Check
Check your MOT status, see its expiry date, days remaining and previous failure
Mini Road Tax Check
Check your road tax status, expiry date and remaining days
Mini ULEZ Check
Check your ULEZ compliance status and daily charges
Mini HP Calculator
Calculate your HP finance payments and total cost