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Payment and cost for cars

You can exchange all, or part of your mobility allowance to lease the vehicle of your choice. You choose the vehicle you want at a price that works for you, and payments are deducted from your mobility allowance every four weeks, then paid directly to us by your benefit payment agency.

Pricing options

When you lease a car through the Scheme, there are three pricing options available.

  • Cars that cost less than your mobility allowance. We have a range of cars that cost less than your mobility allowance, giving you money back to spend as you wish. The amount you pay is fixed during your lease and the remainder is paid directly to your benefits payment agency. View these cars by choosing ‘Show cars costing less than your mobility allowance’ on the Car Search tool .
  • Cars that cost all of your mobility allowance. You will also find a range of cars that cost the same as your allowance, which means you swap the whole of your weekly mobility allowance for the car of your choice. There is no Advance Payment on these models. View these cars by choosing the ‘Show cars using all of your mobility allowance’ option on the Car Search tool .
  • Cars that cost all of your mobility allowance and have an Advance Payment. You can increase your choice further by paying a one-off, non-refundable upfront payment which we call an Advance Payment. The Advance Payment covers the cost between your qualifying mobility allowance and the total cost of your lease. View these cars by choosing ‘Show cars using all of your mobility allowance’ on the Car Search tool and selecting an Advance Payment range which you’re comfortable with.

Advance Payments

This is an amount payable upfront to your Motability Scheme dealer in addition to your weekly mobility allowance. The Advance Payment is not a deposit and is therefore non-refundable. If an Advance Payment is required, the amount is fixed at the price available when you order your car.

Why it’s needed

Your mobility allowance may not cover the cost for some larger or more expensive cars. These cars are allocated with an Advance Payment which represents the difference between the amount your mobility allowance covers over the three-year agreement period, and the overall cost of the car you choose

How it’s calculated

Each Advance Payment is calculated by considering factors such as the cost of the car, its servicing and maintenance and its expected resale value at the end of the lease agreement. Our expert team negotiates with manufacturers every three months to get the best price for our customers

When you pay it

The amount is payable in one lump sum to your Motability Scheme dealer either before or on the day you collect your new car. Some dealers do ask for a holding deposit when you place your order, but any deposit paid will be deducted from the Advance Payment you pay when collecting your car. If you want to pay by cheque, this must be given to your dealer at least seven days before you collect your car, to allow funds to clear.

Trade in your old car

If you are new to the Motability Scheme, you can trade-in your privately owned car to help finance the Advance Payment of your new car. Around a quarter of Motability Scheme dealers offer this and the dealer will arrange the trade-in with you directly.

Advance Payments for Wheelchair Accessible Vehicles (WAVs)

All new WAVs come with an Advance Payment to cover the cost of the five-year lease. The Advance Payment varies across the range of WAVs from a few hundred to several thousand pounds. If you’re looking for a more affordable way to lease a WAV then a Nearly New WAV might be for you. Nearly New WAVs have a lower Advance Payment than the equivalent new WAV and are sometimes available at no Advance Payment. Speak to the relevant WAV converter for more information.

Our price guarantee 

Our price lists are usually updated every three months, so you can be assured you’re getting the best prices from each manufacturer. New prices are usually published at the start of January, April, July and October.

The Advance Payment on a car can change throughout the year. We operate a price guarantee, which means the Advance Payment of the car on the date your order is accepted won’t change, even if it changes while you are waiting for the delivery of your car. The only case where the price may be altered is if the car description is changed subsequent to the original order. 

More about Charitable Grants

If you lose the allowance during your lease , we will make arrangements for the return of the car and you will not have to make any further payments for the lease. Your Advance Payment will be refunded to you on a pro rata basis.

Optional extras

Choosing a car with optional extras such as electric windows or air conditioning will increase the amount you need to pay to your dealer upfront.

  • If you are a WAV customer , your WAV converter will be able to give you a price for extras such as parking sensors or separate air conditioning controls for the back of the vehicle. But please note that payment for these will be dealt with separately from the Advance Payment.
  • Any adaptations ordered will be outlined in the customer acceptance letter we send with your PIN. The cost of any adaptations, less any grant awarded, is payable directly to your dealer together with the Advance Payment before you take delivery of your car.

The cost of running your car

Many things are already included in your lease, such as insurance, servicing and breakdown, but it is still worth thinking about running costs, particularly fuel , when choosing your Motability Scheme car. To keep the running costs down you may want to consider a more fuel efficient engine. Most manufacturers publish a figure for how many miles per gallon of fuel (mpg) a car will normally do, and this will help you decide how economical it may be. The mpg given is a guide to help you compare cars, however the actual mpg each car achieves will differ depending on your individual driving style and travel habits.

Other costs you may also need to consider

  • You will need to pay a fixed amount of any claim for loss and damage, known as an insurance excess. This excess varies depending on the age and experience of the driver - more information can be found in the contract hire terms and conditions or the RSA Motability (RSAM) insurance cover booklet Will download a resource(PDF 276KB)
  • Any fines, such as parking or speeding
  • Cover for theft or damage to personal, belongings in the car is not included, for example wheelchairs, coats and mobile phones. One option is to extend your household contents insurance cover.