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This 24 month finance product lets you pay a significant initial deposit then £1 for the following 23 months at 0% APR. At the end of your agreement it gives you a number of choices, allowing you to keep your options open.


Your deposit will be made up of the vehicle’s cash price minus the amount of estimated future residual value of the vehicle and the monthly payments. After your deposit is paid you’ll pay £1 for 23 consecutive months at 0% APR.

We use our experience to estimate what your MINI will be worth when your finance agreement ends - this is your MINI's Guaranteed Future Value and becomes your optional final payment amount.

When the 24 months are over, you have three choices; pay the optional final payment and keep your MINI, part exchange your current MINI for a new one, or return your MINI to us.

 Find out more by contacting us.



Deposit of between 40% and 60% of the cash price is required depending on the vehicle financed. Representative 0% APR available on a 24-month MINI Divide agreement for new MINI models ordered between 1 April 2018 and 31 June 2019 and registered by 30 September 2019 (subject to availability). Retail customers only. Vehicle condition, excess mileage and other charges may be payable if you return the vehicle. If you part exchange the vehicle, any surplus in the vehicle’s part exchange value over the optional final payment can be used as a deposit towards a new MINI. Finance available subject to credit acceptance to UK residents aged 18 or over. Guarantees and indemnities may be required. Not available with any other offer. Offer excludes John Cooper Works and Countryman PHEV models. ‘MINI Divide’ is a form of hire-purchase agreement provided by MINI Financial Services, Summit ONE, Summit Avenue, Farnborough, Hampshire GU14 0FB.