1) No Payment for 3 Months - Delayed first payment is not available in PA or ME. Interest will accrue during 90-day period to first payment and will be due prior to maturity of the contract. This offer is available on all model-year 2020-2024 MINI CPO models with 36-to-84-month retail contracts financed through MINI Financial Services NA, LLC, excluding Select contracts. To be eligible, qualified customers must have excellent credit history and meet MINI Financial Services’ credit requirements. Not all customers will qualify. Other rates and terms available. All offers subject to vehicle availability. Offer valid through 01/02/2026.

 

2)$500 Military & First Responder Incentive - MINI Military and First Responder CPO Incentive offer is valid at participating MINI Dealers in the United States. Customer must take retail delivery January 3, 2025 - January 2, 2026. The terms of the incentive offer are subject to location and to change without prior notice. MINI USA requires presentation of a photo ID, your MINI Manufacturer Certificate with a unique Customer ID, and Offer Code. One incentive per customer, per offer code, per calendar year. Eligible customers include Active Duty, Veterans, Retirees, Reservists, their immediate family members and First Responders, including Emergency Medical Technicians, Firefighters, Law Enforcement Officers, Federal Law Enforcement Officers and Agents, and 911 Dispatchers. Eligible customer or family member must be the purchaser. May be combined with other available offers. See your authorized MINI Dealer for complete program details.

 

3) From 3.99% APR For 36 Months - From 3.99% APR for 36 months at $29.52 per month per $1,000 financed applies to all 2020, 2021, 2022, 2023 & 2024 MINI Certified Pre-Owned models. Offer valid through 01/02/2026. Offer available from participating MINI Dealers to eligible, qualified customers with excellent credit history who meet MINI Financial Services credit requirements. Not all customers will qualify for the lowest rate. Other rates available. All offers subject to vehicle availability.

 

4) From 4.99% APR For 60 Months - From 4.99% APR for 60 months at $18.87 per month per $1,000 financed applies to all 2020, 2021, 2022, 2023 & 2024 MINI Certified Pre-Owned models. Offer valid through 01/02/2026. Offer available from participating MINI Dealers to eligible, qualified customers with excellent credit history who meet MINI Financial Services credit requirements. Not all customers will qualify for the lowest rate. Other rates available. All offers subject to vehicle availability.

 

5) From 5.99% APR For 72 Months - From 5.99% APR for 72 months at $16.57 per month per $1,000 financed applies to all 2020, 2021, 2022, 2023 & 2024 MINI Certified Pre-Owned models. Offer valid through 01/02/2026. Offer available from participating MINI Dealers to eligible, qualified customers with excellent credit history who meet MINI Financial Services credit requirements. Not all customers will qualify for the lowest rate. Other rates available. All offers subject to vehicle availability.

 

6) $500 College Grad Incentive - You're eligible for $500 off a Certified Pre-Owned MINI when you purchase a MINI and finance with MINI Financial Services.
Eligibility requirements:
•You've earned an undergraduate, graduate or associate's degree from an accredited college or university within the previous 24 months OR you are eligible to graduate within the next 6 months and have a verifiable offer of employment.
•You have at least 6 months of credit history with no major derogatory entries.
•You have a gross debt to income ratio of less than 45%.
•You have a gross automotive payment to income ratio of less than 20%.
•You can provide a copy of your diploma or your official transcript.
•You can provide a copy of POI or employer letter with the Human Resources representative's contact information, stating position/title, and income.