Looking at a Clubman with sticker at $36k, minimal discount. 36 months at 15k miles came in at $615/mo with $3k at signing. Money factor of .00311 - is that insanely high? Residual of 54% seemed reasonable.
As the new Clubman has just landed on U.S. shores, MINI does not have any subvented lease programs for that model.
If you must have one now, you may as well purchase it outright and get a low APR loan from a credit union. $615/month is crazy.
If you’d rather lease, we recommend waiting at least a few months for inventory levels to rise.