We can provide finance for people who have had difficulties obtaining credit in the past,
if we can’t approve you, we don’t think anyone can!

Used MINI Finance

Get used MINI finance with Refused Car Finance and you could benefit from no deposit options and high approval rates. Regardless of your credit history, we can help you obtain second hand MINI finance. We make the process easy and fast so you could be driving away in your MINI in less than a week!

MINI Car Finance

Who can get used MINI finance?

Used MINI finance is available to you even if you’ve been declined elsewhere. We have accepted car finance applications from people with the following attributes:

Circle Tick Icon On Benefits
Circle Tick Icon Unemployed
Circle Tick Icon Self-Employed
Circle Tick Icon Bad Credit Rating
Circle Tick Icon No Credit History

As long as you are 18 or older, have lived in the UK for at least 3 years, hold a UK driving licence, are free from bankruptcy and can prove your affordability – we can help you secure finance for your MINI.

We have helped over 98% of applicants to get a car finance offer!

How does MINI finance work through Refused Car Finance?

Once you’ve decided on the MINI you want, applying is a doddle. All you need to do is fill out our short application form and our customer contact team will be in touch shortly after. Once your details have been confirmed you can sit back and relax whilst we work hard to get you the best car finance deal to buy a MINI. When we hear back from our lenders you can choose the car finance deal you want to take up. From there, it’s a simple matter of driving your chosen MINI out of the showroom.

Popular Used MINI’s on Finance

Used MINI Cooper Finance

Used Mini Cooper Finance
The MINI Cooper may be getting bigger with every new generation, but it’s undoubtedly getting better too. The Auto Express Small Car of the Year 2016 winner, beat out the DS3 and Fiat 500 to help MINI win for its third executive year. The Cooper is great fun to drive and is perfect for the style conscious thanks to the modern twist on its classic style. As MINI was revived by BMW, it’s not surprising to find that this car is a premium hatchback with classy interior and a stylish exterior that is unmistakable when out on the road. With fuel-efficient engines, the MINI Cooper is an affordable quality car.

Getting a great deal on used MINI Cooper finance has never been easier. We work with a select panel of trusted lenders so that we can offer you a finance deal that suits your needs. You can get used MINI Cooper finance with bad credit or whilst on benefits and drive your car away within the week.

> Browse Mini Coopers <

> Apply Now <

Used MINI Cooper S Finance

Used Mini Cooper S Finance
According to BMW and MINI the ‘S’ in MINI Cooper S doesn’t actually stand for anything in particular. Rumour has it John Cooper had wanted the S to stand for sport or special but Alec Issigonis didn’t think it fitted the ethos of the car. Therefore, they settled on naming it ‘S’, without any further meaning. Thankfully the name seems to be the only head scratcher when it comes to this MINI cooper S. Constantly loyal to the original MINI styling, the Cooper S retains the funky retro style that makes the MINI instantly recognisable. It is faster and better on emissions than most of its rivals thanks to its six-speed gearbox. Now available with both petrol and diesel options and as a manual or automatic, there is a Cooper S to suit anyone.

Obtaining used MINI Cooper S finance is simple. If you don’t have a large cash deposit we can offer you no deposit car finance on your MINI. You can also choose to pay either monthly or weekly over a repayment term that suits you. Apply now and you could be driving your Cooper S away this week!

> Browse Mini Cooper S Cars <

> Apply Now <

Used MINI Convertible Finance

used MINI convertible finance
Summer has never been so fun! Experience top-down motoring at its finest with the UK’s best-selling soft top. These cute convertibles are a popular choice and rightly so when considered they perform nearly as well as their coupé counterparts with the added fun of whipping the roof off to soak in the sunrays. Unlike some of its rivals, the MINI convertible has much less flex granting a stiff ride making handling a joy. Built in the United Kingdom with the option of a Union Jack stitched into the soft top, the MINI is proud of its British heritage.

Get behind the wheel of a Mini soft-top and secure used MINI convertible finance today.

> Browse Mini Convertible Cars <

> Apply Now <

Types of Used MINI Finance

With Refused Car Finance you will typically get offered a Hire Purchase car finance agreement when looking to finance a MINI. The great thing about Hire Purchase is that you have a large amount of flexibility, giving you the option to decide whether you wish to pay your loan back over 1 – 5 years. You also avoid a steep balloon payment and can own the vehicle after paying a small ‘option to purchase’ fee which is usually between £100 – £200. We can also offer no deposit car finance on some of our Hire Purchase agreements so you can be driving your car for up to six weeks before you are required to pay anything!

Get Started

Join thousands of others who have secured finance for their MINI!

Images credit: mini.co.uk

Registered with Information Commissioners Office ICO Registration Number: ZA132327

UK Car Finance Limited. Registered in England
Registered number 9397657.
Registered Office Lakeside House, 30 Northumbrian Way, Newcastle Upon Tyne, NE12 6EH

Refused Car Finance is a trading style of UK Car Finance Limited and is acting as a licensed credit broker and a lender, we are authorised and regulated by the Financial Conduct Authority, registration number 714966. All finance is subject to status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required.

Written quotations on request. Certain exclusions for NI residents.

Note: We cannot be held responsible for specification errors, and price errors, we use Motortrade software which is not always 100% accurate. Copyright 2017 Refused Car Finance.

Refused Car Finance can introduce you to a limited number of finance providers based on your credit rating and we may receive a commission for such introductions.

*Representative Example
Cash price – £8,500.00, Deposit – £0.00, Amount of credit – £8,500.00, Rate of interest – 16.24% per annum, Amount of interest – £6,912.00, Lender Documentation fee – £0.00, Lenders option to purchase fee – £10.00, Total charge for credit – £6922.00, First repayment – £256.70, Followed by 58 Monthly repayments of – £256.70, Final repayment – £266.70, Total amount payable – £15,412.00, Representative APR – 29.9%

*Last month, over 51% of Refused Car Finance customers that had their loan arranged were offered an APR of 29.9% or lower

In the first 3 months of this year, UK Car Finance Ltd received 2140 unique applications, of which we were able to offer 2136 applicants a line of credit, subject to the applicant being able to provide acceptable proof of affordability, being free from insolvency and or/a supporting guarantor fitting the lenders eligibility criteria, this represented 99.8% of applicants in this period.

Rated No.1 for car finance in the North East of England collated from Google Business Reviews

Refused Car Finance Reviews

4.90 Average

151 Reviews

I could not have been more happy with the service I received from Paige Walker. Not only was she extremely efficient, helpful and successful in sorting out my car finance; she was also absolutely charming, she has a very kind manner and was positive and helpful throughout the process. I really could not have hoped to have dealt with somebody as good as Paige. She is in my view a huge asset to your company, she made everything so easy and got me a great result. A very big thank you to Paige - and to your company.

refused car finance put me at ease from the very first phone call. After being turned down by numerous other companies, I didn’t have much hope but after speaking to Jacob about my credit file or lack of, he assured me it wasn’t nearly as bad as I thought it was. Got finance sorted in less than two days with literally half the interest I was quoted after being messed around for weeks by other companies. Jacob is a real asset to RCF, he kept me up to date every step of the way and was so easy to speak to! I Could not recommend RCF enough!!

The guy (dan) was amazing really helpful got everything sorted for me super fast explaining everything what a guy he really knows his stuff can’t thank you enough thanks