MINI Leasing and Financing Options

After you have found the MINI of your dreams, it is time to find the best financing option for your lifestyle and budget. Uncover the benefits and disadvantages 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.

Leasing vs Financing Comparison

Leasing

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

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.

Leasing and Financing FAQs

Leasing is like renting for a 2 to a 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 choose from leasing a new MINI, buying your leased MINI, or simply returning your MINI and walking away.

  • 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 your vehicle.
  • Financing offers long-term savings, once your loan is paid off you will have no monthly payments.
  • 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.
  • 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.
  • 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.

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.

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