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MINI Divide means you can buy your dream MINI - today!

MINI Convertible

A brand new MINI is the stuff driving dreams are made of - and thanks to the MINI Divide 0% APR finance deal, it doesn’t need to be just a fantasy.

The MINI range has something for everyone; from the must-have trademark 3-door model to the sporty MINI John Cooper Works, to the summer-ready MINI Convertible and the family-sized MINI Countryman

Plus, with new MINI Countryman PHEV plug-in hybrid and upcoming MINI Electric in the family, there are more reasons than ever to make room for MINI on your driveway.

MINI offers with Dick Lovett

MINI Divide is one way to get your hands on your perfect MINI - and at Dick Lovett we’re pleased to offer 0% APR finance deals on a new MINI.

This 24-month MINI finance deal lets you pay half of the balance of the car up front as an initial deposit, followed by just £6.90 for the following 23 months. 

Your monthly repayments will always stay at 0% APR, and at the end of your agreement you’ll have a range of choices about what to do with your car.

After 24 months, you’ll get the chance to buy and keep, part exchange or return your MINI. Given its flexibility - and affordability - the MINI Divide 0% APR finance plan is the perfect way to get your new MINI but still keep your options open once your payment term ends.




So, how is MINI Divide different to other MINI finance deals?

It’s similar to MINI Select, a personal contract purchase (PCP) plan - but with one key difference.

MINI Divide is an interest-free finance plan, so the monthly repayments are very small. By contrast, with MINI Select you’ll put down a smaller initial sum but you’ll pay more each month because the repayments will incur an interest rate.

Whichever plan you choose, we’ll let you decide your annual mileage, allowing us to predict how much your new MINI will be worth once your finance agreement ends, and therefore how much your final payment will be.

New MINI Deals 0% APR finance

This makes MINI Divide the perfect MINI finance deal if you’ve got some of the funds for a brand new MINI, but want to delay paying the rest.

Here’s an example of how MINI Divide and MINI Select finance plans compare on a MINI One Classic: 

ModelMINI One ClassicMINI One Classic
Finance planMINI DivideMINI Select
Monthly payments£6.90£194.66
Term of agreement24 months48 months
Number of payments23 monthly payments47 monthly payments
Annual mileage8,0008,000
Customer deposit£8,672.40£2,500
On the road cash price£17,345.00£16,190.00
Total amount of credit£8,672.40£13,690.00
Option to purchase fee£0.00£0.00
Credit completion fee£0.00£0.00
Credit arrangement fee£0.00£0.00
Optional final payment£8,513.70£6,065.54
Total amount payable£17,345.00£17,717.18
Representative APR %0.0% APR3.9% APR
Excess Mileage charge (per mile)5.25 pence3.58 pence

As always, our team are on hand to find the right MINI finance offer for you. To find out more about affording your brand new MINI on one of our 0% APR finance deals, get in touch with Dick Lovett MINI in Bristol, Bath, Swindon and Hungerford today.

User poll

What MINI would you like to own?


MINI 3-Door Hatch


MINI 5-Door Hatch


MINI Convertible


MINI Clubman


MINI Countryman

For more information, please contact your local Dick Lovett MINI Centre:

MINI Bath - 01225 562 734

MINI Bristol​ - 01173 216 752

MINI Swindon - 01793 398 504

MINI Hungerford - 01488 853 625

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