Personal Contract Hire (PCP) finance is a great way of affording that new MINI. It is a popular way of financing a new or approved used MINI.

This way of paying for your MINI involves monthly instalments for an agreed term and a deposit at the start, just like if you took out a loan. The amount you pay will be a bit cheaper than if you took out another method of MINI Finance.

Unlike going for a MINI Hire Purchase deal you won’t own the car at the end of the term. You will have paid off around a third of the MINI. There is an optional final payment that is often referred to as the ‘balloon payment’ to pay at the end of the agreement to take full ownership. Alternatively, if you don’t want to make the final payment you can simply return the car and set up a deal and do it all again.

It is no surprise that affordable MINI PCP offers have become an incredibly popular way of picking up one of these stunning cars.


Here at John Clark Motor Group MINI we have attractively priced offers across the full range. We can set you up with used MINI PCP financing or on a shiny brand new model.

No matter if you are looking for MINI Countryman PCP deals, Cooper S offers, or an irresistible deal on a Clubman, you are in the right place.

Latest MINI PCP Deals

The full MINI range of cars parked on a flat bricked area outside the TECA in Aberdeen.
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Aerial view of John Clark MINI Dundee showroom

Why PCP?

It puts you in the driving seat - purchase the car, part-exchange it or simply return it, the choice is all yours!

Manageable Monthly payments - perfect for budgeting

Guaranteed Value - the lender guarantees a minimum future value for your car

Tax breaks - If you're opting out of a company scheme, your cash alternative isn't subject to company car tax

VAT free - no VAT on payments