Cincinnati MINI Finance Center

Sales: Closed Call us at: Call Sales Phone Number866-982-4860

Welcome to the Cincinnati MINI Finance Center!

After you have found the perfect MINI for your lifestyle and budget, it is time to turn your focus to financing. Our dedicated Finance Center team is eager to assist you in finding the perfect financial plan so you can feel confident when driving your dream car. Discover the many benefits of leasing and financing with the help of the finance experts at Cincinnati MINI. Our team of finance specialists will work with you to ensure you have the information you need to make a confident and informed financial decision. Read below to learn more about leasing and financing, and when you are ready to begin searching for a MINI, our knowledgeable sales staff will help you find the best new, certified pre-owned, or pre-owned MINI for your lifestyle.

Sales Info

Phone Numbers:Sales Hours:Special Hours
  • Labor DayClosed
Regular Hours
  • Mon - Thu9:00 AM - 8:00 PM
  • Fri - Sat9:00 AM - 6:00 PM
  • SunClosed


Leasing is similar to renting, you will be able to enjoy a new MINI for 2 to 3 years without a long-term commitment. If you enjoy getting a new vehicle with the latest performance, amenities, and technology, leasing would be a great option for you. In addition to no long-term commitment, leasing also offers short-term savings, as you only pay for the portion of the MINI that you use during your lease term! The down payment for a lease is significantly less than financing, and monthly payments are typically lower as well. At the end of your lease, you can choose from a lease-end option that will ensure you get exactly what you’re looking for going forward. At the end of your MINI lease, you can lease a new MINI, buy your current lease, or simply return your MINI and walk away. Continuing to lease may result in a higher long-term cost, and if you choose to finance, our team will ensure you get a competitive financing rate.

Leasing Benefits

  • You have the opportunity to get behind the wheel of a new MINI every 2 to 3 years.
  • Lower down payment and monthly payment than financing.
  • Lease-end options are diverse and uncomplicated. You can choose from leasing a new MINI, buying your leased MINI, or returning your MINI.
  • A factory warranty covers major repairs for the duration of your lease term, saving you money on repairs, service, and maintenance.

Leasing Disadvantages

  • When you lease your contract will include mileage limitations. If you exceed the mileage limitations, you will be charged for every additional mile at the end of your lease.
  • You can not customize or alter your leased MINI.
  • If your MINI has excessive wear, you will be charged at the end of your lease.
  • You will not be able to trade in or sell your MINI.


Financing a new MINI offers a long-term investment that will result in full ownership of your MINI. Financing is more of an upfront cost, and you may have to take out a loan to fulfill the cost and fees, but when your payments are complete, you will no longer have monthly payments. Buying a MINI will allow you to sell it at any time and drive without payments, and have no restrictions on what you can do with your MINI. When you buy a MINI, you will also unlock a range of ownership benefits. MINI ownership benefits include complimentary maintenance for 3 years or 36,000 miles, roadside assistance, a 4-year or 50,000-mile limited warranty, and a 12-year unlimited mileage rust protection warranty.

Financing Benefits

  • When you finance a MINI, it will become an asset when it is paid off.
  • There are no mileage limitations on financed MINIs.
  • Cincinnati MINI has close relationships with our lender options, ensuring you will receive the best financing rate on your MINI purchase.
  • When paid off, you own your MINI and can sell or trade-in.
  • Financing offers long-term savings, once your loan is paid off you will have no monthly payments.

Financing Disadvantages

  • Financing a MINI includes higher monthly payments and a higher down payment at the time of purchase.
  • At the end of your 4-year/50,000-mile warranty, you will have to pay for any damages or out-of-warranty repairs.
  • There is no way to determine your MINI’s depreciation and resale value. You can estimate your MINI’s resale value, but there are no guarantees on the price you will get.

Finance a New MINI at Cincinnati MINI

At Cincinnati MINI, our financing options are just as dynamic as your MINI model options. Financing with Cincinnati MINI will offer you flexible ways to pay through MINI Financial Services. MINI Financial Services helps you find the lease option, payment plan, or additional coverage program that works best for your lifestyle. Contact the finance experts at Cincinnati MINI for more information about the MINI Select program, MINI OwnersChoice program, College Grad Program, and more available to you.

Visit Cincinnati MINI Today

Visit Cincinnati MINI, located at 6131 Stewart Rd., in Cincinnati, OH. Our MINI dealership has a wide range of new and certified pre-owned MINIs to choose from, as well as other pre-owned options. To get the most for your money, explore our new MINI offers and MINI national offers. At Cincinnati MINI, our commitment to putting customers first has given us the award recognition to prove that we do just that. Contact or visit Cincinnati MINI, we look forward to working with you to find the MINI of your dreams.

Finance FAQs

Financing means you’re taking out an auto loan to help you buy your new car. When you lease you don’t own your car but are rather renting it for a 2-3 year term before returning or buying it.

If you’re a recent college grad, you could start motoring down the road to success with $500 off a new or Certified Pre-Owned MINI.

Yes, you can trade-in your car for a lease and have the value applied to your downpayment and/or monthly payments.

There are several ways you can trade-in your lease early to either swap it for a new lease, sell your current lease back to us, or terminate your lease (with a potential fee).

  • Worry less about depreciation
  • Enjoy a lower down payment and lower monthly payments
  • Unlock multiple end-of-lease options
  • Peace of mind with warranty coverage

  • Leasing can be more restrictive
  • Mileage limitations
  • No personalization
  • Not an asset

  1. Lease a new car
  2. Purchase a new car
  3. Purchase your currently leased car
  1. Scheduling your inspection
  2. Review and make possible repairs
  3. Make an appointment at a dealer
  4. Complete a federal odometer/lease termination statement
  5. Pay any lease liability fees/charges
  6. Pay any additional charges
  • No mileage limits
  • Worry less about wear and use
  • Build equity and sell whenever
  • Payment-free after the contract is over
  • Bigger down payment
  • Higher monthly payments
  • Vehicle repair costs
  • Vehicle depreciation
Cincinnati MINI is located at: 6131 Stewart Rd • Cincinnati, OH 45227
Cincinnati MINI 39.1790277, -84.3960404.