Finance at Barretts MINI Below we outline the finance products available to you to fund your new car purchase. Our team are available to assist with any questions, whether up front or throughout the journey should you wish to purchase online.

MINI FINANCIAL SERVICES

YOUR ONE-STOP SHOP FOR FINANCE AND INSURANCE. ALL IN. SIMPLY SMART.

Found your perfect MINI? Let Barretts MINI help you drive it home. With flexible finance and insurance solutions from MINI Financial Services, owning your next MINI has never been more accessible. Whether you're looking for MINI finance in Canterbury, MINI finance Ashford, or tailored insurance options, our team is here to help you find the right package to suit your budgets and lifestyle.

At Barretts MINI, we offer a range of finance options all under one roof, making it easy to get behind the wheel of your new or Approved Used MINI. Contact our team today to discuss your options and discover how we can help you drive away in your ideal MINI.

Contact Barretts MINI Ashford | 01233 504333

Contact Barretts MINI Canterbury | 01227 828899

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WHY FINANCE WITH BARRETTS MINI ASHFORD AND CANTRBURY?

SIMPLY SMART.

Enjoy peace of mind knowing we are the simple and smart way to finance, saving you time and effort. The rate you see is the rate you get. Search available stock with finance to match using our online tools.

ALL YOUR MINI MUST-HAVES ARE HERE.

Get your dream MINI and your finance and insurance needs in one easy place. Manage your agreement online 24/7 with MyMINI Finance - Exclusive manufacturer deposit contributions*.

BY YOUR SIDE FOR EVERY MINI RIDE.

From the minute you sign up to MINI Financial Services, you'll feel that unmistakable 'aaah-everything-is-taken-care of' feeling. Real people working on flexible offers to suit your unique lifestyle. Enjoy flexibility during your finance agreement.

MINI PERSONAL CONTRACT PURCHASE (SELECT.)

DEPOSIT + MONTHLY PAYMENTS + OPTIONAL FINAL PAYMENT.

We understand that when you take out a finance agreement, you may not be sure what you'll want to do at the end of it. This product is perfect if you are looking to combine flexibility with low monthly payments.

How does PCP actually work?

When you have chosen your vehicle, you will then agree your annual mileage and decide on the agreement term with one of our Business Managers.

We will then determine the Guaranteed Minimum Future Value (GMFV) of the vehicle at the end of the agreement and work out a deposit and monthly amount that works for you.

At the end of your agreement you will then have three options:

Return – Simply return the car the back to us

Retain – Keep the car by paying the optional final payment

Renew – Trade it in for another car

For a quotation, help, or advice contact us and ask to speak to one of our Business Managers.

What are the advantages of PCP?

Monthly payments on a car financed by PCP are usually lower than if your car is financed by a Hire Purchase agreement.
If you decide not to buy the car, you can simply walk away when you've made all the payments.
Similar to PCH, you can drive away a new or used car every few years (dependent on the chosen term) without worrying about selling it on.
If your car is worth more than the Guaranteed Future Value then you can use that equity towards a deposit on a new car.

What should you consider when opting for a PCP?

If you want to buy the car you will need to pay your final balloon payment (the Guaranteed Future Value).
Similar to PCH, you will need to agree on a mileage allowance at the beginning of your contract and there may be excess mileage charges if you exceed this.
You won’t be able to sell the car without settling the finance.
You won’t own the car until you have made all of your repayments.
You’ll need to keep the car properly insured, maintained and in your possession until the full value is paid off.

Can I settle my PCP agreement early?

You can normally settle your agreement early by asking the finance company to provide you with a settlement figure. However, the finance company will require you to pay off the difference between what your car is worth, and what you still owe and there may be a difference which is known as negative equity. On the other hand, you may find that at the end of your term your car is worth more than the Guaranteed Future Value, which means you will have some positive equity to contribute towards your next car.

Find and finance your next vehicle through PCP

MINI CONTRACT HIRE.

INITIAL RENTAL + MONTHLY RENTALS.

Enjoy city thrills or big adventures by hiring your MINI instead of owning it. At the end of your agreement, simply hand your MINI back and, as long as you have not exceeded the mileage allowance and it has been well looked after, there will be nothing more to pay.

What are the advantages of Contract Hire?

Lower monthly rentals compared to other finance options, making it an affordable way to drive a MINI without the commitment of ownership.
Drive a new MINI more often. With fixed contract terms, you can enjoy the latest MINI models, technology and features every few years.
No depreciation concerns. Simply return the vehicle at the end of your agreement, avoiding the hassle and uncertainty of its future resale value.

What should you consider when opting for Contract Hire?

Mileage limits apply. Choose an annual mileage allowance that suits your driving habits.
You won’t own the vehicle at the end of the agreement.
Early termination charges may apply if you end the contract early.
Fair wear and tear standards apply when returning the vehicle.

Can I settle my Contract Hire agreement early?

Yes, in most cases you can settle your Contract Hire agreement early. However, early termination charges are likely to apply, and the amount payable will depend on how long is left on your contract and the terms of your agreement. To discuss your options and receive a personalised settlement quote, contact the team at Barretts MINI and we will be happy to help.

Find and finance your next vehicle through HP

Why Buy Online? Got a question or need help with an electric vehicle?

If you're looking for your next vehicle, our teams across the country will be happy to assist to help meet and exceed your requirements. Click on the link below to get in contact with your local retailer. Reasons To buy Online

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Reg Office: Broad Oak Road, Canterbury, Kent, CT2 7PQ

Reg. Company Number: 349070

VAT Reg. No. GB201032351

Barretts of Canterbury Limited (FRN 303895) is authorised and regulated by the Financial Conduct Authority. We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products. We are not an independent financial advisor. We will provide details of products available, but no advice or recommendation will be made. You must decide whether the finance product is right for you. We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them, either a fixed fee or a fixed percentage of the amount you borrow.For your reassurance, all of the lenders we work with could pay commission at different rates, but the commission we receive does not influence the interest rate you will pay. Our aim is to secure finance for you at the lowest interest rate you are eligible for from our panel of lenders. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. Barretts of Canterbury Limited is authorised and regulated for General Insurance distribution purposes by the Financial Conduct Authority. You can check this by visiting www.fca.org.uk.

For the sale of general insurance, Barretts of Canterbury Ltd (FRN 303895) is an Appointed Representative of Automotive Compliance Ltd (FRN 497010, which is authorised and regulated by the Financial Conduct Authority). Automotive Compliance Ltd’s permissions as a Principal Firm allows Barretts of Canterbury Ltd to act as an agent on behalf of the insurer for insurance distribution activities only.