What products are offered by MINI Financial Services?

MINI Financial Services offers a range of Shariah compliant finance and leasing options.

What are the tenure options available on a Finance?

Finance tenure options are between 12 months to 60 months.

What are monthly payments based on?

Finance monthly payments are determined by the selected model, tenure, and applicable profit rate. Monthly payments are inclusive of VAT.

What is Islamic Finance?

  • Islamic finance, is a term that reflects financial business that is not contradictory to the principles of Sharia.
  • Main principles of Islamic finance:
    • Asset backed transaction
    • Risk sharing
    • Ban of Interest (Riba)
    • Prohibition of uncertainty or speculation
    • Prohibited goods and services
What is Murabaha?

  • A form of Islamic Finance for asset acquisition that avoids the payment of interest. Instead, the financier buys the item and then sells it on to the customer on a deferred basis at a price that includes an agreed mark-up for profit. The mark-up is fixed in advance and cannot be increased.
What can I do to protect my information from fraud and misuse?

  • Don’t share persona; contact and banking details with anyone through phone or email.
  • Check the e-mail ID of the sender to ensure it’s being sent through the official party.
  • Do not click on suspicious links to avoid potential unauthorized malware downloads.
  • If you suspect you’ve been compromised, immediately get in contact with MINI Financial Services Middle East.
How can I update my Identity documents (Emirates ID, Visa and Passport copy?
  • You can send your updated IDs to the below email address or alternatively, you can submit them directly to our office at AGMC showroom on Sheikh Zayed Road, at the earliest to avoid disruption of any service.

How do I know my contract remaining outstanding balance?

  • You will receive a confirmation email after receiving your monthly instalment which includes the remaining outstanding balance. You can also contact our customer service team on +971-4-312-9999 or write to us at
What is the process if I want to early settle my contract?
  • Contactour customer service team on +971-4-312-9999 or write to us at to provide you with early settlement quotation.
How many payment deferrals I can avail per year?
  • 2 deferments permitted per loan year. Deferment can be applied after paying six consecutive instalments after each deferment.
  • Deferment charges are AED 110 per deferment.
How do I release the vehicle mortgage?
How do I apply for a No Liability Certificate? Do I have to pay any charges?
Are there any charges for late payment?
  • Yes, there is a charge of AED 210.
How do I apply for a Liability Certificate? Do I have to pay any charges?
What if I experienced a finance hardship? How can you help?
  • We may be able to assist by offering you:
How to make a complaint with MINI Financial Services?
  • Our Customer Service officers will assist you to resolve any concerns you may have. Please refer to the below contact details, our team is available between 09:00 AM- 06:00 PM Monday to Friday. Telephone: +971-4-312-9999 or write to us at
How can I apply?

Once you have chosen a MINI of your interest, simply get in touch with any of our Finance & Insurance Specialists at AGMC who will be able to guide you through the entire application process.

What are the criteria for applying?

  • Individuals (both Salaried and Self-Employed)
  • Corporates and Businesses

Applications and approvals are subject to company terms and conditions.


How do I update my bank details?

If your bank details have changed, please let us know so that we can guide you through the change in bank details process. Contact us on +971-4-312-9999 or write to us at

How do I update my personal details?

If your contact details or address has changed, please let us know so that we can keep your details up to date. Contact us on +971-4-312-9999 or write to us at

What do I do if my monthly payment gets rejected?

Contact us at +971-4-312-9999 or write to us at for assistance.​

What happens at the end of my finance?

BMW Financial Services will contact you 90 days prior to the end of your finance agreement to guide you through the end of term process. 30 days prior to your contract maturity, BMW Financial Services will contact you to guide you in selecting your preferred end of term option. (to either return your vehicle or retain your vehicle). Once you have completed your finance agreement, simply consult a BMW Sales Consultant who will be happy to make you a new offer tailored to your needs and requirements for your new BMW driving experience.

How can I contact BMW Financial Services?

Call us at +971-4-312-9999 or write to us at if you would like additional information, to update your personal details, enquire about a current agreement or any other services during the term of your contract.


Kindly note these FAQs are for ready reference and the applicability of the above-mentioned responses may vary from customer to customer. Please be informed that in case of any conflict between these FAQs and your Agreement, the terms and conditions of the Agreement shall prevail. MINI Financial Services is provided by BMW Albatha Leasing L.L.C and BMW Albatha Finance PSC. Terms and conditions apply.