Financial services Financial services

MINI Financial Services.
Freedom pays off.

MINI Financial Services offers you all the fun of owning a MINI without straining your monthly budget. Oh, and you always get to drive the latest MINI, too. Explore our range of finance products below:

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STRAIGHT LINE FINANCING.

The conventional financing plan that allows you to own your very own MINI through fixed monthly payments – simple, easy and no fuss.

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BALLOON FINANCING

With MINI Balloon Financing, enjoy greater savings in interest charges and at a shorter loan tenure, between 3 to 5 years. The shorter your tenure, the more you save on interest rates.

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THE EASY DRIVE.

Change to a new MINI every 3 years! Your MINI future value is guaranteed.

 

 

 

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STEP DOWN FINANCING

MINI Step Down Financing lets you own your own MINI with attractive interest rates through decreasing payments annually, granting you financial flexibility like never before.

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STRAIGHT LINE FINANCING.

STRAIGHT UP, NO FUSS.

MINI Straight Line allows you to own your MINI with a straightforward fixed monthly instalment. You decide the finance amount and tenure, and let us take care of the rest.

BENEFITS:

• Fixed monthly instalments.

• Own your MINI at the end of your tenure.
• Attractive interest rates from MINI Financial Services.

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BALLOON FINANCING.

BE IN THE DRIVER’S SEAT.

MINI Balloon Financing allows you to enjoy a thrill seeking drive with a shorter loan tenure of 3 to 5 years without burning a hole in your pocket.
 

HOW DOES IT WORK?

It will be a fixed monthly payment for your choice of tenure. The shorter your contract term, the less interest you pay! At the end of the tenure, you have three options to settle your final balloon sum. Here’s how:

SELL.

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Sell the car and use the money to make the final balloon payment, and use the remaining for a down payment for another new MINI. 

KEEP.

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Settle the balloon sum in cash and keep your MINI.

 

EXTEND.

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Extend your contract for another 6-12 months by restructuring your loan.

Benefits:

Better Cash Flow Management.

With the extra money in your pocket, you can use it to indulge in the accessories to dress up your new MINI.

Interest Savings.

You will save on your interest charges, regardless of whether its a 3-year or 5-year Balloon Financing as compared to the 7-year Straight Line Financing.

Increase Affordability.

We have more models for you to choose from, with the balloon financing package.

Better Trade-In Value as compared to 7-year old vehicle.

Your MINI will still be in demand at the end of your tenure as it is still below the 100,000 km mileage and it will still be within the design lifecycle.

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THE EASY DRIVE.

A NEW YOU. A NEW MINI. EVERY 3 YEARS.

In the interest of staying interesting, things change, you change. Whichever direction you decide to take, there’s always a MINI that’s perfectly suited to your style, your personality and your pocket.

Introducing the MINI Easy Drive – a future-proof financing solution that allows you to drive a brand new MINI every 3 years. Explore and choose from the wide range of settlement options when your contract comes to an end, and begin your next Easy Drive journey with us.
 

WHY THE EASY DRIVE?

Easy Drive Features

HOW IT WORKS.

Instalment Chart


With 4 options at the end of your finance contract.

Finance Contract Option 1
Finance Contract Option 2
Finance Contract Option 3
Finance Contract Option 4

THE EASY DRIVE PRIME.

The Easy Drive Prime elevates your mobility experience with value-added benefits for you and your MINI.

BENEFITS:

Benefits 1
Benefits 2
Benefits 3
Benefits 4

Terms and conditions apply.
1. MINI Lifestyle Collection is only applicable for Customers under MINI Royalist Programme.
2. MINI Ultimate Protection Programme Elite is a 3-year exclusive insurance programme underwritten by Allianz General Insurance Company (Malaysia) Berhad (735426-V).
3. Premium Mobility Package is limited to a first-come, first-served basis.
4. BMW Credit (Malaysia) Sdn. Bhd. (“MINI Financial Services”) reserves the right to amend the offer, terms and conditions without prior notice. 
 

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STEP DOWN FINANCING.

EXPLORE THE FINANCING VERSATILITY.

MINI Step Down Financing lets you own your own MINI with attractive interest rates through decreasing payments annually, granting you financial flexibility like never before.

 

Payments will start out higher at the onset of your loan and will decrease gradually over your contract tenure, perfect for those who wish to have greater control of their finances.

BENEFITS:

• Lower Interest Rates.

   Enjoy both greater savings in interests as well as better cash flow management.

 

• Positive Equity.

   Your Vehicle's market value will be higher than the outstanding balance of your loan.