well i am buying my first mini soon and i will be doing the mini select plan...the thing most people dont realize is that with the ballon payment one can refinance it at a lower rate...like 4%...that brings down the cost of the car to about normal numbers....It is great for keeping your payments low throughout the buy....at first due to the high interest rate and later because u are only financing 66% of the car cost at a much lower rate...its a great option for first time buyers who just graduated from college
