Cars available on the Motability Scheme with no Advance Payment

Motoring expert Richard Aucock has reviewed some of his top cars that are available on the Motability Scheme with no Advance Payment. From compact city cars to stylish SUVs, there’s a great range of affordable options to choose from.

Good news for Motability Scheme customers: the latest price list has an even larger range of affordable vehicles to choose from. There are currently over 650 cars available on the Scheme, with a great selection of models available with no Advance Payment. These include stylish SUVs, easy-to-drive automatics and space-efficient city cars.

I love running through the latest price lists and seeing what exciting models are on offer. With over 170 vehicles available with no Advance Payment, there are some really stylish cars to suit all lifestyles – and without breaking the bank. Those who need larger, higher-riding cars are well served by the latest price list, too.

Here, I have chosen six excellent cars available on the Scheme with no Advance Payment. The prices shown are valid for applications placed before 31 March 2023. 

Skoda Kamiq


What sort of car is it?

The Skoda Kamiq is a surprisingly roomy and practical car, despite it being the smallest SUV in the company’s line-up. It has the square-edged styling of the larger Karoq and Kodiaq SUVs, wrapped up in a more city-friendly package.

Why is it so popular?

The Skoda Kamiq looks smart, with its distinctive LED daytime running lights and bold front grille. It’s easy to get in and out of, thanks to its wide doors and high-set seats. The interior is also well laid-out and has easy-to-use controls. Special mention goes to the generous 400-litre boot, which is easy to load thanks to its practical shape.

The SE Drive model I’ve chosen here comes well-equipped with a touchscreen sat-nav, smart rear privacy glass and even a luxurious heated steering wheel. The 108bhp 1.0-litre turbocharged petrol engine is punchy and fuel-efficient, averaging 48mp. There’s also the added convenience of a DSG automatic transmission, which makes driving this car a breeze.

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Vauxhall Mokka


What sort of car is it?

The Vauxhall Mokka is a really appealing crossover SUV from the British brand. It has a futuristic appearance, which is even more distinctive in this high-spec ‘Ultimate’ model, with its 18-inch bi-colour alloy wheels and vivid IntelliLux LED Matrix headlights. The fact that this top-spec version is available with no Advance Payment is really impressive.

Why is it so popular?

The Vauxhall Mokka has a confident driving position that offers a good view out across a flat, broad bonnet. I also like the modern dashboard layout, with two widescreen displays that wrap around the driver. The central 10-inch touchscreen has standard sat-nav, plus Apple CarPlay and Android Auto smartphone connectivity.

Other convenience features include advanced parking assist, along with front and rear parking sensors to take the stress out of city-centre driving. This Ultimate model even comes with adaptive cruise control, keeping you a set distance from the car in front of you when driving on a motorway. The 128bhp 1.2-litre turbo petrol engine has plenty of power and an official fuel economy of 51mpg. I also love the posh Alcantara seat trim.

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Suzuki Vitara


What sort of car is it?

The Suzuki Vitara is a 4×4-style SUV from this friendly and popular Japanese car brand. The latest model has rugged, high-set styling, which you can enhance further with contrasting black paint for the roof. The version I’ve chosen has the latest turbocharged Boosterjet engine, which averages nearly 53mpg. 

Why is it so popular?

The Suzuki Vitara is a well-loved model that’s impressed lots of drivers over the years. This latest version builds upon its great reputation. One of the trademark features is its commanding and confident seating position behind the wheel, which is blended with a good amount of onboard tech that comes as standard. The result is a really well-rounded package.

Despite measuring slightly less than 4.2 metres long, this model is very roomy inside, with large windows giving a great view out. The boot is a handy 375 litres and, like the rest of the Vitara, it’s easy to use. Overall, this SUV will turn heads and be satisfying to live with – and could be yours with no Advance Payment.

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Toyota Aygo X


What sort of car is it?

The Toyota Aygo X is a new and fashionable city-focused car from this famously reliable car manufacturer. It’s really compact, measuring just 3.7 metres in length, so it’s well worth a look if you live in a busy area, have restricted parking, or simply want a small car that is easy to manoeuvre.

Why is it so popular?

Compared to other city cars, the Aygo X rides higher and has a more rugged appearance, making it a genuine ‘city SUV’. This also means that it’s easy to get in and out of, while the raised suspension offers a safe feel from behind the wheel, along with enhanced visibility.

It’s a five-door model, so can accommodate two passengers in the rear at a push, and the 226-litre boot expands to more than 800 litres with the rear seats folded. The 1.0-litre petrol engine is extremely fuel-efficient, averaging nearly 59mpg, and the Aygo X is easy to drive. It’s also available to under-25 drivers on the Motability Scheme, too. 

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Renault Captur


What sort of car is it?

The Renault Captur is a chic crossover-style SUV. It has elegant styling that is further enhanced by a range of really pretty paint colours. Motability Scheme customers will love the distinctive 18-inch diamond-cut alloy wheels that come as standard on this well-equipped Techno model. 

Why is it so popular?

This Renault Captur uses a 1.0-litre TCe 90 turbocharged petrol engine, which delivers easy-going performance and a fuel economy of almost 48mpg. It’s responsive and works well both in the city and on the motorway. I also found the gearbox light and crisp, adding to the Captur’s ease of use.

It feels safe and secure from behind the wheel, and comes with plenty of equipment as standard – including a comprehensive central touchscreen media system. There are neat little details to make life easier, such as automatic locking and unlocking via the Renault Keycard. Plus, its large 404-litre boot will certainly make the Captur an appealing option for many Motability Scheme customers.

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Hyundai i20


What sort of car is it?

The Hyundai i20 is one of the most practical five-door superminis on the market. It’s also among the most distinctive-looking, with sharp and edgy styling that helps it stand out from the rest. Your Scheme dealer will let you choose from an array of bold colours, too.

Why is it so popular?

The Hyundai i20 Premium is a high-grade model with lots of standard equipment. It has interior mood lighting, heated front seats, a heated steering wheel, climate control air conditioning and a large 10.25-inch central touchscreen with Apple CarPlay and Android Auto connectivity.

The 1.0-litre turbocharged engine uses 48V mild hybrid tech, helping it return more than 53mpg, despite a useful 99bhp power output. This model has the added easy-driving convenience of a DCT automatic transmission, and can be driven by under-25s as well. The i20 is practical for passengers and has a spacious 352-litre boot – it’s a great value car with the added benefit of no Advance Payment.

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What are the pricing options?

There are three pricing options available when leasing through the Motability Scheme:

Cars that cost less than your mobility allowance:

There are 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 you by the Department for Work and Pensions (DWP) or Veterans UK, depending on which mobility allowance you receive.

View less than your allowance cars

Cars that cost all of your mobility allowance:

There are also lots 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. These cars will display the words ‘Total Mobility Allowance’ on the specifications page for weekly rental amount on the Car Search tool.

View Total Mobility Allowance cars

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 mobility allowance and the total cost of your lease.

View cars that have an Advance Payment

How do payments work?

Payments are deducted from your qualifying mobility allowance every four weeks, then paid directly to us by the Department for Work and Pensions (DWP) or Veterans UK. If you choose a car that costs less than your allowance, the remainder is paid directly to you by the DWP or Veterans UK.

All-inclusive leasing

No matter which car you choose, all come with our all-inclusive package of insurance, breakdown cover, servicing, tyres and glass repair and replacement.

Search the full range

If you’d like to join over 650,000 customers already enjoying the benefits of a worry-free lease package through the Scheme, start exploring the full range of cars available using our Car Search tool to narrow down your options.

Our price lists are updated every three months, so you can be assured you’re getting the best prices from each manufacturer. The dates the new prices are published are:

  • 1 January
  • 1 April
  • 1 July
  • 1 October

Interested in joining the Scheme?

About the Scheme

The Motability Scheme offers an all-inclusive package. If you are in receipt of a qualifying mobility allowance you can use it to lease a car, scooter, powered wheelchair or Wheelchair Accessible Vehicle (WAV). The Scheme provides flexible and hassle-free access to a brand-new, reliable vehicle of your choice. As well as a great choice of cars, we also provide a wide range of Wheelchair Accessible Vehicles, scooters and powered wheelchairs.


To join the Scheme, you must be in receipt of one of the following mobility allowances:

  • Enhanced Rate of the Mobility Component of Personal Independence Payment (PIP),
  • Higher Rate Mobility Component of Disability Living Allowance (DLA),
  • Higher Rate Mobility Component of Child Disability Payment (Scotland),
  • War Pensioners’ Mobility Supplement (WPMS),
  • Armed Forces Independence Payment (AFIP). 

Use our eligibility checker tool to see if you’re eligible


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