Mini Payments: What You Need to Know
Make your monthly Mini payment online through the Mini Owners Lounge, the mail, or potentially over the phone—but paying in person isn’t an option.
Written by Amber Reed
Reviewed by Kaitlin May
Table of Contents
Mini Financial Services allows customers to make payments online or through the mail. If you have a Mini credit card, you can use it to make your loan or lease payment.
If you’re unsure how to make a payment for your
Mini car loan
or you’re curious about your options for financing a Mini, we’ve got what you need to know! Read on for Mini’s payment details, contact information, and average monthly payments for its 2023 offerings. MORE: Are Minis expensive to maintain?
Options for making your Mini car payment
From putting an old-fashioned check in the mail to setting up paperless billing, you’ve got options for making your Mini payment. Here, we’re breaking down the process for each method so you can decide what suits you best!
Online
You can easily make your payments online by setting up an account in the
Mini Owners Lounge
. From here, you can make a one-time payment, or set up automatic payments so you never have to worry about missing a due date. By phone
There isn’t any specific information on Mini’s website about making payment by phone, but the number to call is 1-866-MINI-4-ME (1-866-646-4463). Dialing this number will direct you to Mini Financial Services, where an agent can assist you. Make sure to have your account number handy!
By mail
If you like the comfort of writing a check and putting it in the mail, you can go that route. Remember to write your ten-digit Mini Financial Services account number on the check, and mail it here:
Mini Financial Services
P.O. Box 78103
Phoenix, AZ 85062-8103
In person
Although many lenders accept in-person payments, that doesn’t seem to be the case with Mini Financial Services. You can ask your dealership to confirm, but it appears in-person payments are not an option for Mini customers.
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Can I make my Mini payments with a credit card?
If you have a
Mini credit card
you can, and you’ll get reward points for doing so. You might be able to use other credit cards as well, but you should contact Mini Financial Services to verify your preferred payment method.Is there a grace period for Mini car payments?
Most lenders offer a ten-day grace period for car payments, but that’s not set in stone. Make sure you ask your lender and read the fine print of your financing agreement to find out what your grace period is. Ensure you don’t
miss a car payment
to avoid some harsh consequences. How much are Mini payments?
Minis are considered to be in the realm of luxury vehicles, and part of the fun of buying a Mini is customizing it as much as you can. With that in mind, they’re typically not the cheapest cars to purchase. Starting MSRPs for the 2023 Minis range from $23,400 to upwards of $40,000 depending on the configuration.
Take a look at the table to see some pricing and average monthly
loan payments
for Mini’s 2023 offerings. These are based on the base trim level, a 10% down payment, a 72-month loan, and a 4.9% interest rate. Take into account that sales tax isn’t included here since it varies by state. Model | Starting MSRP | Average monthly payment |
|---|---|---|
2023 Mini Electric | $34,225 | $495 |
2023 Mini Hardtop 2 Door | $23,400 | $338 |
2023 Mini Hardtop 4 Door | $29,700 | $429 |
2023 Mini Convertible | $33,800 | $489 |
2023 Mini Countryman | $34,950 | $505 |
2023 Mini Clubman | $36,650 | $573 |
2023 Mini JCW Hardtop | $37,800 | $546 |
Keep in mind that a lot of variables are involved in these estimates. The precise amount that you’ll pay depends on the model, the options you choose, your
credit score
, the amount of your down payment
and/or trade in
, and the specifics of your financing agreement—like your APR
and loan duration."I was paying $350 a month for my new car. WithJerry, I set up a new policy in under 30 minutes that will save me over $1,000 a year!” —Mariah K.
MORE: How to build a custom Mini Cooper
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What is the lowest credit score Mini will finance?
Mini Financial Services generally requires a credit score of at least 660 for a loan or lease on a Mini.
What is the best interest rate Mini offers?
The interest rate you can get for your loan depends primarily on your credit score and varies by location. The best interest rate that Mini is currently advertising is 3.9% on 2023 models and 2.9% on some certified pre-owned models.
What is the best Mini?
This could be a contentious discussion, especially for Mini enthusiasts. The classic two-door
Hardtop Mini Coupe
is a perpetual favorite, and the Mini Countryman
is popular as well. For folks who want to adhere the closest to the brand's racing roots, a John Cooper Works
is the one to get.Reduce your monthly car payments in minutes?
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