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7.99% Comparison Rate Consumer Loan - New MINI All Models

MINI Consumer Loan is designed for customers purchasing a MINI primarily for personal use. With a fixed interest rate and no account-keeping fees, it offers a simple and predictable way to finance your vehicle. MINI Financial Services Australian Credit Licence 392387.

MINI Financial Services publishes this at the same rates and fees as BMW Financial Services's 7.99% Comparison Rate Consumer Loan - New BMW Motorcycles, under the same ABN.

Personal loansLender updated 1 Oct 2026
Apply at MINI Financial Services ↗Product page ↗Terms ↗

At a glance

Fixed
7.99%7.99% comparison
Upfront fee
$0
Monthly fee
$0

How it compares

This personal loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This personal loan: 7.99%Every other institution's lowest, 11 in all

From a carmaker's finance arm, for its own vehicles, through its dealers. One dot per institution, at its lowest carmaker finance rate anyone can apply for; hover or tap a dot for its name.

RateThis personal loanBest anywhereTypical institutionWhere it sits
Carmaker financeFrom a carmaker's finance arm, for its own vehicles, through its dealers7.99%2.88%Angle Auto Finance's 2.88% G6 36 months Consumer Loan4.99%of 12 institutions9th lowest of 12

Rates

The one rate MINI publishes for this personal loan.

TypeApplies toTermBandRateComparisonConditions
FixedOption to pay weekly or fortnightly or monthly.P&I5 yrs fixed-7.99%7.99%-

Fees

8 fees published, grouped by when they're charged.

  1. When you take it outVaries2 fees, each listed below
  2. While you hold itNo feeAccount Keeping Fees
  3. When you close it or pay it off2.75% of balanceEarly Termination Fees

When you take it out2

  • Dealer Origination Fees
    No fee
  • Establishment Fees
    No fee

While you hold it1

  • Account Keeping Fees

    No Account keeping fees

    No fee

If a payment is late or fails2

  • Cheque Dishonour Fees
    $15
  • Direct Debit Dishonour Fees
    $5

When particular things happen2

  • PPSR Fees
    No fee
  • Verification Statement Fees
    No fee

When you close it or pay it off1

  • Early Termination Fees
    2.75% of balance

Features

Extra repaymentsDigital banking
  • Our consumer loan offers a fixed interest rate and no account keeping fees. You own your MINI with predictable costs and long-term benefits
  • Tailor your finance with a balloon or Guaranteed Future Value. Conditions apply

Eligibility and limits

  • Minimum age 18
  • Residency: Applicants must have the legal right to work in Australia. If working rights cannot be established, finance cannot be provided
  • Available to individuals
  • Maximum LVR 1.25%
  • Minimum balance $25,000
  • The vehicle must be used wholly or predominantly for personal, domestic or household purposes
  • New customers must not be an undischarged or discharged bankrupt. Existing customers must not be an undischarged bankrupt
  • Credit Assessment: Eligibility is subject to credit approval based on the applicant’s financial and employment information. Lending criteria, fees, charges and conditions apply
  • Offer applicable on new and demonstrators MINI models. Subject to vehicle stock availability and only at participating authorised dealers
  • Customers must take out comprehensive insurance coverage over the Vehicle for the loan term and specify the MINI Financial Services as the interested party
  • Contract Term should be between 36 and 60 months.
  • Customer must grant a first ranking security interest over the Vehicle
  • Conditions apply to Guaranteed Future Value product

Published by MINI Financial Services under the Consumer Data Right, last changed by them on 1 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.