How you pay and what it costs
We have great value and choice available on the Motability Scheme. And we make paying simple: we’ll receive your payments straight from your allowance provider.
Exchanging your allowance
You’ll exchange your mobility allowance for a brand-new car, Wheelchair Accessible Vehicle (WAVWheelchair Accessible Vehicle), scooter or powered wheelchair.
How do you receive my payments?
We’ll receive your payments straight from your allowance provider, to make paying simple.
What does it cost?
How much you pay depends on the allowance you receive and the vehicle you choose.
Choose your allowance and look for the part or component you receive to find out how much you get each week.
Personal Independence Payment (PIP)
Disability Living Allowance (DLA)
Armed Forces Independence Payment (AFIP)
War Pensioners' Mobility Supplement (WPMS)
You can exchange all or part of your mobility allowance, but for most of our vehicles you’ll need to use all of it.
So you know, you might need to top this up with an Advance Payment. If you choose any optional extras, you’ll need to pay extra for these too.
What is an Advance Payment?
It’s the amount you need to pay upfront for some vehicles. It’s in addition to your weekly mobility allowance. It's not a deposit and it’s non-refundable.
We work hard to keep your Advance Payment affordable. And we give you money back at the end of your lease if you look after your vehicle.
If you need to pay an Advance Payment, the amount is fixed when you order your car.
- We need it because your allowance might not cover the full cost for some larger or more expensive vehicles
- We calculate it by looking at the cost of the vehicle, its servicing and maintenance, and its expected value at the end of your lease. We negotiate with manufacturers every three months to get you the best price
- You’ll pay it directly to your Motability Scheme dealer, either before or on the day you get your vehicle. If you want to pay by cheque, you need to allow seven days for it to clear first
- If you're eligible for the £750 New Vehicle Payment, we can send this directly to your dealer to help towards your Advance Payment
- If you’re new to the Motability Scheme, you can trade in your old car to help pay your Advance Payment
Did you know you might be eligible for a grant? If you need a certain type of car or WAVWheelchair Accessible Vehicle but you cannot afford the Advance Payment, you might be able to get financial help. They’re means-tested, so it depends on your circumstances. Visit the Motability Foundation website to find out more about who can apply and how to apply.
How you pay your Advance Payment depends on your dealer:
Bank transfer: every dealer accepts this, but you’ll likely need to send the payment one or two days before you get your vehicle
- Debit card: some dealers accept up to £1000 this way, but not every dealer does
- Credit card: only a few dealers accept this
Cheque: dealers do not accept these
Cash: most dealers do not accept this, but this is down to each dealer’s discretion
Your dealer will let you know which payment methods they accept.
Order your new car
Once you've had a test drive and you've decided which car is right for you, your Motability Scheme dealer will order it for you.
See how to order
On average, satisfaction with the Scheme among our car customers is 9.6 out of 10
Ipsos interviewed 600 Motability Scheme car customers by telephone between 27 February 2024 and 20 March 2024
What you’ll get in our worry‑free package
Insurance cover
We’ll arrange this for you. You can add up to three named drivers and can change these at any time.
Servicing and MOT
We’ll cover your regular services and routine repairs, to keep your vehicle running perfectly.
Breakdown cover
We’ll give you breakdown cover, so you can travel with peace of mind.
Support with your electric car
We’ll arrange and cover the standard cost of a home chargepoint and its installation, or give you access to the bp pulse network of over 9,000 public chargepoints. This depends on a few things.
