SWMBO has a Mini Cooper convertible, her third Mini: all have been on PCPs through the dealer itself and Mini Finance. It seemed as good a deal as any - you get very little discount on Minis as you've probably found out already.

But they hold their value so well that the dealer recommends 2-year contracts rather than the more usual 3 years. The first two Minis (a One and a Cooper, both ordinary hatchbacks) have both been worth 80 % of their cost after 21 months.

You can try the brokers but don't be surprised if you find it costs much the same as at a dealer. That said, because they hold their value so well, Minis are good cars to buy using PCP, probably a better bargain than paying a high cash price with little discount.

Edited by Avant on 09/05/2010 at 22:41