Fab service from a highly polished team. Almost as shiny as their cars!
New MINI finance deals
Competitive MINI finance deals
Buying your dream MINI from Dick Lovett MINI couldn't be easier. Whether you want a MINI for personal or business use, our flexible and competitive MINI finance deals and offers make driving away in a MINI of your own simple and affordable.
The new MINI lineup includes the 3-Door Hatch, 5-Door Hatch, MINI Convertible, MINI Clubman, MINI Countryman and the new MINI Electric. The all-new all-electric MINI Cooper and MINI Countryman Electric will soon be available to purchase. So, whether you want something small and agile, or something big enough for the whole family, there's a MINI for you.
We’re proud to offer MINI car finance schemes such as Personal Contract Purchase (PCP), Personal Contract Hire (PCH) and Business Contract Hire (BCH), all of which are tailored to suit you and your needs. So if you are looking for MINI Cooper Sport finance or MINI Electric finance, we’ll have an offer for you.
Our expert Finance Teams are on hand to provide you with tailored advice and guidance. We’ll consider your monthly budget, annual mileage, and how long you’d like to keep your MINI to comprise the best deal for you. Should you have a part exchange, we’ll help with that too! By selling your MINI to us we’ll make sure you receive a competitive valuation and hassle-free service.
As well as competitive fixed monthly payments and comfortable deposit amounts, we also offer pay monthly service plans, and value servicing plans which are designed specifically for MINIs 3 years and older so we can look after you, long after you’ve left our showroom.
Should you wish to lease a MINI or get a MINI PCP deal, get in touch with your local Dick Lovett MINI dealership in Bristol, Hungerford, Melksham (near Bath) or Swindon to find out more. Book a test drive today to experience the thrill of driving a MINI. We also have some fantastic offers on our Approved Used MINIs if you can’t find the deal for you.
frequently asked questions
Buying on Finance with Dick Lovett
Drive away in your dream car with our competitive finance rates and flexible payment terms.
How does new car or bike finance work
There are many types of new car or bike finance though personal contract purchase (PCP), personal contract hire (PCH), and hire purchase (HP) are the most common.
Personal contract purchase - You pay an initial deposit (typically 10% of the vehicle's value) followed by monthly instalments on the amount you borrowed. At the end of the agreement, you can choose to own the vehicle by making the optional final payment, or hand the vehicle back to the finance company with nothing further to pay (provided it's within good condition and within the agreed mileage).
Personal contract hire - You pay an initial rental followed by monthly payments for a set period, which is confirmed at the start of the agreement. At the end, you return the vehicle to the finance company with nothing further to pay (provided it's within good condition and within the agreed mileage). You do not have the option to purchase the car.
Hire purchase - You pay an initial deposit, then pay off the remaining loan balance in monthly instalments. Once fully paid, you own the vehicle. There are no mileage limits.
Can I part exchange my car or bike?
What are the pros and cons of Business Car Leasing and Personal Contract Hire?
There are lots of reasons why leasing or hiring a car through Dick Lovett is a great idea but, of course, you still have responsibilities and you won’t own the vehicle at the end of the contract hire period. Here we’ve set out the key points of the leasing deals:
- Drive a brand new car every few years
- Low initial outlay - typically equivalent to 3 months rental payment
- Fixed, manageable monthly payments – helps with manage cash flow and enables you to drive a better car for your budget
- Choice of contract term - from 24 to 48 months
- Option to include servicing and maintenance
- If you run a business, there are tax benefits – car lease costs can be up to 100% allowable against corporation tax depending on its Co2 emissions, and you can reclaim 50% of the VAT on the monthly rental cost
- No depreciation to worry about - at the end of the contract, the vehicle is simply handed back so no worries about resale value or having to dispose of it
- Hassle free – everything is taken care of by the dealer and finance company
- Road tax, manufacturer’s warranty and breakdown cover is included
- Only have to pay for fuel and insurance
- You don’t own the car and there is no option to buy it at the end of the contract
- You will need the amount of mileage you need and if you go over this, you will have to pay an excess mileage charge
- If you decide to end the contract early, you may incur charges
- You must return in a well-maintained condition. If not, there will be extra charges to pay
- You must pay for fully comprehensive insurance cover
How can I contact my Finance or Insurance provider?
The finance partners we deal with are;
- BMW Financial Services
- MINI Financial Services
- BMW Motorrad Financial Services
- Ferrari Financial Services
- Jaguar Financial Services
- Land Rover Financial Services
- Aston Martin Financial Services
- Porsche Financial Services
- Alphera Financial Services
- Santander Consumer Finance
- Black Horse
- Evolution Funding
Our insurance partners are;
Click on the relevant provider to go to their website.
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Terms & Conditions
*One year’s free comprehensive car insurance. Offer valid for new MINI models only, ordered between 03/01/24 and 02/04/24 and registered by 30/06/24. Offer excludes new MINI Cooper, New MINI Countryman, MINI Electric Hatch and John Cooper Works models.
Drivers must be aged between 21-80. Cover provided for driving other cars if policyholder is aged 25 or over. Theft or attempted theft of your car if your car is unoccupied at the time of theft, unless your car is locked and the ignition key or other removable ignition device was not in, on, or left unattended in the immediate proximity of the car. Loss or damage to non-standard audio / visual and other non standard in-car entertainment. Driving other cars restricted to drivers aged 25 or over. No Claims Bonus (NCB) Protection is only available if you have earned at least 4 years NCB at inception of the policy. Option to purchase No Claims Bonus protection and Legal Expenses cover during free cover period. Uninsured driver promise will only apply once we prove the accident was not your fault and you provide details of the uninsured driver if possible. Optional add-ons are not included within this offer. This promo is not transferable.
To be eligible you must pass an ID check at your address and hold a full UK/EU driving licence to be eligible for MINI Flex Car Insurance. This offer is available to UK residents only and you must have no more than three at-fault claims in the past 5 years and no more than three minor driving convictions in the past 5 years and no major convictions.
MINI Car Insurance is managed and administered by Wrisk Transfer Limited, registered in England under company number 10657213 and is a wholly owned subsidiary of Wrisk Limited. Registered Address: 45 Gresham Street, London, EC2V 7BG, United Kingdom. The company is registered in England under company number 09721622. Wrisk Transfer Ltd is authorised and regulated by the Financial Conduct Authority under the Financial Services Register number 788062.
This insurance is underwritten by Highway Insurance Company Limited. LV= and Liverpool Victoria are registered trademarks of Liverpool Victoria Financial Services Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria General Insurance Group of companies. Highway Insurance Company Limited, registered in England and Wales number 3730662 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 202972. Registered address: 57 Ladymead, Guildford GU1 1DB. Tel. 0330 1239970.
MINI Insurance Solutions is a trading name of BMW Financial Services (GB) Limited is authorised and regulated by the Financial Conduct Authority, reference number 312578, registered office: Summit ONE, Summit Avenue, Farnborough, Hampshire, GU14 0FB. BMW Financial Services (GB) Limited and Wrisk Transfer Limited are not part of the same corporate group.
Offers can be withdrawn or extended at any time, finance is subject to status and availability.