Cincinnati MINI Leasing vs Financing

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MINI Leasing vs Financing

Not sure whether leasing or financing your new MINI is right for you? Investigate all your car buying options with help from the experts at Cincinnati MINI today. Our experienced finance team is eager to share with you all the pros and cons each option has to offer so that you can make a decision that you’re confident in.

After you’ve made a decision, we offer competitive financing rates and lease terms on a great selection of new MINI models as well as a quality selection of used coupes, sedans, crossovers, and SUVs. Whether you’re interested in financing or leasing your next new vehicle, our expert and experienced finance staff are here to help!

Sales Info

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Regular Hours
  • Mon - Thu9:00 AM - 8:00 PM
  • Fri - Sat9:00 AM - 6:00 PM
  • SunClosed

MINI Financing

Whether you opt for Traditional Financing or take advantage of programs like MINI Select, OwnersChoice, or the College Grad Program, there are great options for purchasing your new or used MINI. So if you drive a lot of miles, are looking to customize your ride, and want the ability to own your MINI after a few years, financing may be right for you! If you are ready to get the financing process started, fill out a finance application online and don’t hesitate to contact our finance team with any questions.

Pros of Financing

  • Less worry about your car’s condition
  • No limit on mileage
  • Full ownership of your vehicle
  • Factory warranty to cover major repairs

Cons of Financing

  • Higher monthly payments
  • Higher down payment requirement
  • Vehicle’s depreciation
  • Longterm commitment

MINI Financial Services

It only makes sense that a car with so many customizable options gives you equally flexible ways to pay. MINI Financial Services helps you find the lease option, payment plan or additional coverage program that works best so you can start motoring. Ask 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.

MINI Leasing

Leaning towards a lease? It’s a great way to get a new MINI for a low monthly payment while staying flexible. Since leases only last for 24 to 48 months, you’ll always be able to enjoy the latest stylings, technology, and performance offerings. Leases also offer several end-of-lease options. From purchasing or extending your lease to walking away or leasing a new MINI, the choice is yours when you decide to lease. Explore all our latest New MINI offers to unlock great savings on an exciting new MINI lease today! 

Pros of Leasing

  • Payments are usually lower, compared to a purchase
  • Lower down payment
  • Opportunity to drive a new car every two to three years
  • Factory warranty to cover major repairs

Cons of Leasing

  • Mileage limitations
  • Limited customization allowed
  • Excessive wear and tear will cost
  • Not building equity

MINI Lease Return

Now that your lease is coming to an end, it’s time to make a decision: Get yourself a new MINI, purchase your current MINI lease, or turn in your current MINI. Our finance experts are here to guide you through all your lease-end options to help find the best one for your lifestyle and budget.

Option 1: Lease or Purchase a New MINI

Now that your lease is coming to an end, it’s time to start shopping for your next new or pre-owned MINI. Whether you are interested in leasing or purchasing a new model, our auto finance experts work tirelessly to provide a financing plan that works best for you! Be sure to explore all our latest New MINI Offers available to you before stopping by for a test drive. 

Option 2: Purchase Your Leased MINI

Since most MINIs hold their value so well, hanging onto yours is a wise decision. You can either finance the total amount due with MINI Financial Services or simply send a cashier’s check or certified funds to pay it off. If you decide to purchase your current MINI outright, you will be responsible for its residual value, any fees and taxes, and any past due payments or charges.

Option 3: Return Your Leased MINI

The third option allows you to return your lease and walk away hassle-free after an inspection and any additional required payments are paid. Your inspection should take place about a month before you’re due to turn in your MINI. You will be contacted by us or a 3rd party to schedule this inspection. 

MINI Turn-In Steps

  1. Notify Cincinnati MINI
  2. Schedule an inspection
  3. Review MINI Lease-End Inspection Form
  4. Making any repairs
  5. Schedule a time to return your lease
  6. Review Federal Odometer Disclosure Statement
  7. Pay any additional mileage charges or repair cost

Leasing and Financing FAQs

Leasing is like renting for a 2 to 3-year term with restrictions whereas financing is borrowing money to own.

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.

  • Financing contracts usually are for 24 to 72 months.
  • Leasing contracts usually are for 24 to 48 months.

At the end of your lease, you can buy or return your lease.

  • No limit on mileage
  • Full ownership
  • Factory warranty
  • Ability to customize
  • Lower down payment
  • Lower monthly payments
  • Return for a new model every two to three years
  • Factory warranty covers major repairs

Leases are a great option for anyone who drives under 10,000 miles a year.

Leases are the perfect option for anyone who likes getting a new car every two to three years.

Yes! Trading your car in for a lease is a great way to reduce your cost and sales tax..

Cincinnati MINI is located at: 6131 Stewart Rd • Cincinnati, OH 45227
Cincinnati MINI 39.1790277, -84.3960404.