Mini Payments: What You Need to Know

Make your monthly Mini payment online through the Mini Owners Lounge, the mail, or potentially over the phone—but paying in person isn’t an option.
Written by Amber Reed
Reviewed by Kaitlin May
Mini Financial Services allows customers to make payments online or through the mail. If you have a Mini credit card, you can use it to make your loan or lease payment. 
If you’re unsure how to make a payment for your
Mini car loan
or you’re curious about your options for financing a Mini, we’ve got what you need to know! Read on for Mini’s payment details, contact information, and average monthly payments for its 2023 offerings. 
MORE: Are Minis expensive to maintain?

Options for making your Mini car payment

From putting an old-fashioned check in the mail to setting up paperless billing, you’ve got options for making your Mini payment. Here, we’re breaking down the process for each method so you can decide what suits you best!


You can easily make your payments online by setting up an account in the
Mini Owners Lounge
. From here, you can make a one-time payment, or set up automatic payments so you never have to worry about missing a due date. 

By phone

There isn’t any specific information on Mini’s website about making payment by phone, but the number to call is 1-866-MINI-4-ME (1-866-646-4463). Dialing this number will direct you to Mini Financial Services, where an agent can assist you. Make sure to have your account number handy!

By mail

If you like the comfort of writing a check and putting it in the mail, you can go that route. Remember to write your ten-digit Mini Financial Services account number on the check, and mail it here: 
Mini Financial Services
P.O. Box 78103
Phoenix, AZ 85062-8103

In person

Although many lenders accept in-person payments, that doesn’t seem to be the case with Mini Financial Services. You can ask your dealership to confirm, but it appears in-person payments are not an option for Mini customers.
Compare auto insurance policies
No spam or unwanted phone calls · No long forms
Find insurance savings

Can I make my Mini payments with a credit card?

If you have a Mini credit card you can, and you’ll get reward points for doing so. You might be able to use other credit cards as well, but you should contact Mini Financial Services to verify your preferred payment method.

Is there a grace period for Mini car payments?

Most lenders offer a ten-day grace period for car payments, but that’s not set in stone. Make sure you ask your lender and read the fine print of your financing agreement to find out what your grace period is. Ensure you don’t
miss a car payment
to avoid some harsh consequences. 

How much are Mini payments?

Minis are considered to be in the realm of luxury vehicles, and part of the fun of buying a Mini is customizing it as much as you can. With that in mind, they’re typically not the cheapest cars to purchase. Starting MSRPs for the 2023 Minis range from $23,400 to upwards of $40,000 depending on the configuration. 
Take a look at the table to see some pricing and average monthly
loan payments
for Mini’s 2023 offerings. These are based on the base trim level, a 10% down payment, a 72-month loan, and a 4.9% interest rate. Take into account that sales tax isn’t included here since it varies by state. 
Starting MSRP 
Average monthly payment
2023 Mini Electric
2023 Mini Hardtop 2 Door
2023 Mini Hardtop 4 Door
2023 Mini Convertible
2023 Mini Countryman
2023 Mini Clubman
2023 Mini JCW Hardtop 
Keep in mind that a lot of variables are involved in these estimates. The precise amount that you’ll pay depends on the model, the options you choose, your credit score, the amount of your
down payment
trade in
, and the specifics of your financing agreement—like your
and loan duration.
"I was paying $350 a month for my new car. With
, I set up a new policy in under 30 minutes that will save me over $1,000 a year!” —Mariah K.
MORE: How to build a custom Mini Cooper
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings


Mini Financial Services generally requires a credit score of at least 660 for a loan or lease on a Mini.
The interest rate you can get for your loan depends primarily on your credit score and varies by location. The best interest rate that Mini is currently advertising is 3.9% on 2023 models and 2.9% on some certified pre-owned models.
This could be a contentious discussion, especially for Mini enthusiasts. The classic two-door
Hardtop Mini Coupe
is a perpetual favorite, and the
Mini Countryman
is popular as well. For folks who want to adhere the closest to the brand's racing roots, a
John Cooper Works
is the one to get.
Reduce your monthly car payments in minutes?
Find out if Jerry can reduce your payments by an average of $150/month
Check your rate!

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings