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£18,995

PCP: from £338 pm

HP: from £416 pm

What's the difference between Hire Purchase (HP) and Personal Contract Purchase (PCP)?

MINIHatch Cooper S Exclusive

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Geoff Cox Automotive

01332 462 939^*

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Overview

Mileage:
38,000
Year:
2022
Fuel type: Petrol
Transmission: Automatic
Body type: Hatchback
Colour: Enigmatic black
Doors: 3
Engine size: 2.0 L
CO₂ Emissions: 138 g/km

Please note: Dealers are responsible for the content of their listings and are expected to include all fees in the advertised price. You should always confirm all listing details with the dealer before purchasing.

Vehicle details

*Highest quality photos on our website*Peace of Mind with Our Used Car Guarantee:✅ 6 Months Warranty included, with the option to extend up to 3 years for added reassurance.✅ Minimum 6 month MOT, so you can drive away worry-free.✅ Full Vehicle Health Check (VHC) conducted by our expert technicians.✅ 12 Months AA Breakdown Cover, providing roadside assistance wherever you go.✅ Full HPI checks for complete peace of mind.Why Choose Geoff Cox Automotive• Custom video walkarounds and virtual vehicle demonstrations available on any car.• Full vehicle demonstrations and inspections at our Derbyshire showroom.• Reserve your car online via our website for £99.• Book a test drive on any of our cars.• AA approved dealer, meeting or exceeding AA approved standards on all used cars.

Vehicle features

18in Alloy Wheels - Pulse Spoke with Run-Flat Tyres
Enigmatic Black
MINI Yours Lounge Leather - Carbon Black
Premium Plus pack
Roof and Mirror Caps - Black
12V Socket in Centre Console
4 Speakers - in Front Door Trims and Underneath Front Seats
8.8in Touchscreen with LED Ring
Apple Carplay
Bluetooth for Compatible Mobile Phone - with Audio Streaming
FM Tuner and DAB Digital Radio
MINI E-Call
Teleservices
Cruise Control with Brake Function
On-Board Computer
Performance Control
Tyre Pressure Monitoring System
18in Alloy Wheels - British Spoke - 2-Tone with Run-Flats
Bonnet Scoop
Electric Windows
Exhaust Tailpipe - Double - Central with Chrome Finishers
Flexible Car Sharing Preparation
Fuel Filler Cap in Chrome
Heated Rear Window
Heated Windscreen Washer Jets
MINI Yours Badge on Exterior Pillar
Model Logo Cooper S on Right of Tailgate
Radiator Grille - Chrome Border with Honeycomb Structure - including S Badge
Rear Fog Light
Roof and Mirror Caps - Silver
Side Scuttle Panels with Integrated Indicators
Sun-Heat Protection Glass
White Indicator Lenses
Automatic Headlight Activation Switch
LED Headlights with Closed Ring as Daytime Driving Lights
Rear LED Lights with Union Jack Design
4 Lashing Eyes in Luggage Compartment
Carbon Black Colour Line - Knee Roll and Door Armrests
Chrome Highlights
Cup Holders
Door Sill Strips - Metal with Cooper S
Door Storage Compartments
Floor Mats - Velour
Foldable Rear Seats 60-40
Glove Compartment
Headliner - Satellite Grey
Instrument Cluster
Interior Lighting
Interior Trim - MINI Yours Aluminium
Leatherette Gearshift Lever and Handbrake Gaiters
LED Reading Lights - Vanity Mirror Lights - Front Footwell Lights - Spotlights on Front Seats
Mechanical Seat Adjustment
Multifunction Controls for Steering Wheel
Premium Pack
Rain Sensor Window Wipers
Sport Seats
Start-Stop Toggle including Keyless Go
Steering Column Height and Length Adjustment
Steering Wheel Paddles
Storage - Pockets on Back of Front Seats
Sun Visor with Vanity Mirrors
Tool Kit
Walknappa Leather Steering Wheel with Grey Seam
Electro-Mechanical Steering with Speed Dependant Steering Assistance
Electronic Gear Shifter
3 Point Seatbelts on all Seats
Airbags
Alarm System
Anti-Lock Braking System - ABS
Dynamic Brake Lights
Dynamic Stability Control - DSC
Electronic Vehicle Immobiliser
Front and Rear ISOFIX - including Front Passenger Airbag Deactivation
Rear Window Wiper
Two-Tone Horn

Remember to check the details of this car with the dealer before you buy it to make sure that all the information is accurate.

Credit ratings explained

Excellent

You are a home owner
You have been on the electoral roll for a long period of time
You have current credit arrangements and mortgage with no defaults
You have no CCJs, credit arrears or missed payments
You rarely apply for credit
You are employed or self-employed

Good

You are on the electoral roll
You are a home owner or long standing-tenant
You have a stable employment history
You have current credit arrangements with occasional missed payments
You have no CCJs

Fair

You are or have recently been on the electoral roll
You may have recently changed address
You may have occasional missed payments
You may have an old CCJ
You may have regularly applied for credit

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Make your Car Finance product selection below

What's the difference between Hire Purchase (HP) and Personal Contract Purchase (PCP)?

Hire Purchase (HP)

HP is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term.

You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you'll own the car.

Unlike PCP, there are no limits on mileage.

HP could be right for you if want to own the car at the end of the agreement, without the need to make a larger final payment.

Personal Contract Purchase (PCP)

PCP is a finance plan where you make equal monthly payments over an agreed term, with a larger final repayment due at the end if you decide to keep the car.

At the end of the agreement, you have three options. You can hand the car back to the finance company (the must be in good condition and within the agreed mileage, otherwise charges may apply), part exchange it for another car on a new agreement (subject to status), or pay the final repayment to own the car.

PCP could be right for you if you're thinking of changing your car in the next few years, or if you're unsure whether you want to buy the car at the end of the agreement.

What is Hire Purchase (HP)?

Hire Purchase (HP)

HP is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term.

You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you'll own the car.

Unlike PCP, there are no limits on mileage.

HP could be right for you if want to own the car at the end of the agreement, without the need to make a larger final payment.

For this vehicle you have selected only HP is available.

All this will be explained in more detail when you speak with one of our friendly agents, once you have completed your application.

Hire Purchase

PCP

Amount to borrow
Monthly payments
Illustrative APR
Total amount payable

Amount to borrow
First payment
Monthly payments
Final payment
Illustrative APR
Total amount payable

Representative example:

Borrowing £10,000 at a representative APR of 11.9%, annual interest rate (fixed) 11.9%, 59 monthly payments of £218.83 followed by 1 payment of £228.83, total cost of credit is £3,139.80*, total amount payable is £13,139.80.

*The representative example includes an estimated option to purchase fee of £10. This is subject to status and although fees may vary in amount and when payable, the total cost of credit and APR received will not alter. This representative example is for illustration purposes only and does not constitute an offer. Written quotations are available on request and finance is subject to status.

Borrowing £19,000.00 at a representative APR of 11.9%, annual interest rate (fixed) 11.9%, deposit of £0, 48 monthly payments of £359.86, optional final payment £8,150 (inc. £10 option to purchase fee), total cost of credit is £6,423.28†, total amount of credit is £19,000.00, total amount payable is £25,423.28.

Representative Example is for AA PCP agreement for a Ford Focus with a contract mileage of 10,000. Optional final payment not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). This quotation is not a binding offer to enter into a finance agreement.

†AA PCP AA Car Finance is provided by Evolution Funding Ltd. Used Car Sites Limited, on behalf of AA Financial Services Limited, introduces you to Evolution and are each acting as credit brokers and not lenders. AA Financial Services Limited receives a commission from Evolution Funding Ltd, which can vary based on the lender and vehicle selected. By submitting an application for car finance you consent to the commission being paid and acknowledge AA Financial Services Limited is not acting impartially.

This representative example is for illustration purposes only and does not constitute an offer. Written quotations are available on request and finance is subject to status. Terms and conditions apply. A guarantee may be required. Over 18's only. This service is provided by Evolution Funding Limited who are authorised and regulated by the Financial Conduct Authority for credit brokerage, FCA number is 823324. Evolution Funding Limited are a credit broker, not a lender. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers and they may provide an incentive to do so.

Need car finance demystifying?

Let us break it down for you. Finance can be confusing, but we've made it simple.

Understanding finance

Vehicle history check

For PJ72HKL

Not recorded as stolen
No third-party trace
0 previous keepers show

The current keeper is not included in the number of previous keepers.

This vehicle has had 1 registered keeper from new. Please note that the keeper is not necessarily the owner, it may be a company vehicle or belong to a third party.
No plate changes
No colour changes

Mileage data available †

Not an insurance write-off

Data for this history check supplied: 28/01/2026 at 08:43

What's not included?

Outstanding finance details
Estimated cost of vehicle ownership
MOT history & common failures*
Full vehicle specification
Mileage discrepancies*
Market valuation*
Vehicle Tax Check

*Provided where available

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12 months free breakdown cover (or discounted upgrade if you're an AA member) and £75 off a Service & MOT. T&Cs apply

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Category write-offs

A vehicle that has been in an accident will be assessed by insurance companies and assigned a category: A, B, S or N. However, we only list Cat S or N cars as Cat A and B cars are not roadworthy and safe.

Category S (formerly Category C)

The 'S' in Cat S stands for structural damage. This means the vehicle has damage to its structure/chassis, which is more than just cosmetic damage. But the vehicle can be professionally repaired, making it safe and roadworthy.

Category N (formerly Category D)

Similarly, the 'N' in Cat N stands for non-structural damage. Here, the vehicle has sustained damage, but it has not affected the structure/chassis. A Cat N car is safe to drive as the damage could be minimal/cosmetic.

Buying a written-off vehicle:

Do a full vehicle history check to identify category vehicles.
Make sure to check with the dealer if a Cat S/N vehicle has been professionally repaired.
Book a vehicle inspection and our experts will look over a Category vehicle for you.

Source	Date	Mileage
MOT	18/09/2025	35,250
RMI MIL'GE	14/05/2024	19,714