A review of large cars available to lease with no Advance Payment

In this article, Richard Aucock of Motoring Research has selected and reviewed five large cars that are available to lease on the Scheme, with no Advance Payment. This means that in order to lease any of the below brand news cars for three years, you simply exchange your higher rate mobility allowance. Read on to find out more about Richard’s selection of cars that are great for comfort, load space and technology. The prices shown are valid for applications placed before 30 September 2020.

For many, the space and practicality of a large car is extremely important. A generous driving position, plenty of room for passengers and a commodious boot big enough to swallow any sort of load with ease are all key factors in the leasing decision.

We’re here to show you even large cars can be surprisingly affordable on the Motability Scheme. We have chosen five big and roomy cars with plenty of all-round practicality – and each one is available for zero Advance Payment. One of them can even be taken for less than your weekly allowance. They literally are some of the ‘biggest’ bargains on the Scheme, so read on to discover our five picks.

Dacia Duster 1.0 TCe 100 Access


What sort of car is it?

The Dacia Duster is a funky-looking crossover SUV with a cheeky appearance and tough stance. This version is the all-new model that was launched in 2019, so still has a fresh and modern appearance. Affordable Access trim uses its back-to-basics spec to make it a Motability Scheme bargain – not only is it zero Advance Payment, you don’t even have to use your full weekly allowance!

Why is it so popular?

The Duster has a neat and modern interior. Owners like the raised seating position and confident feel behind the wheel, helped by chunky controls and a well-located gearlever. The view over the bonnet is clear and all-round visibility is good. Rear seat passengers will be happy, and the boot has a generous 445-litre capacity.

Although it is a bargain, Dacia hasn’t skimped on the engine. The 1.0-litre petrol engine is turbocharged, and delivers surprising pulling power and a swift response to the accelerator. It’s smooth and refined in town, and great on long journeys – particularly as the ultra-efficient motor serves up great fuel economy as well.

View this car online

Hyundai Tucson 1.6 GDI S Connect


What sort of car is it?

Hyundai is a brand that is moving upmarket, and the Tucson is its very popular family-sized SUV. This version was facelifted a little while back, gaining a smart-looking new grille and distinctive headlights. The Tucson has a powerful appearance and certainly makes a statement out on the road.

Why is it so popular?

The roomy Tucson feels good behind the wheel, with comfortable seats that are height-adjustable. Dual-zone climate control is a nice convenience feature and the S Connect version also features a colour touchscreen with easy connectivity to both Apple and Android smartphone devices.

The boot is very roomy indeed, with over 500 litres of space giving plenty of space for loads of all shapes and sizes. The rear seats fold down in a 60:40 split, so you can carry one or two passengers while still being able to lug bulky items. Rear seat passengers also enjoy lots of legroom and headroom – the Tucson really is a very useful family-friendly large car.

View this car online

MG HS 1.5 T-GDI Excite


What sort of car is it?

The MG HS is new for 2020. It is a family-sized SUV with a very modern and premium appearance – you are certain to turn heads in it, thanks to its distinctive front end (including a great-looking grille) and chunky wheelarches protected by tough plastic extensions.

Why is it so popular?

The MG HS is a commanding car on the road, almost 4.6 metres long and over 1.6 metres tall. It has real presence. Big 18-inch alloy wheels are stylish and MG tells us the logo on the grille is the biggest MG octagon ever fitted to a production car!

The HS is well equipped, with a 10.1-inch touchscreen in the centre of the dash, plus cruise control, blind spot warning and automatic emergency braking in town – a real life-saving feature. Rear passenger space is ample and the 450-litre boot is a decent size. The load space also extends into a fully-flat bay by folding the split rear seats.

View this car online

Nissan Qashqai 1.3 DiG-T 160 Acenta Premium


What sort of car is it?

The Nissan Qashqai is a very popular crossover SUV in the UK. It is built here in Britain and has frequently been a top 10 best-seller. The current version has been kept fresh over the years and Nissan is generous with the amount of standard features it fits, particularly on the Acenta Premium grade we’re looking at here.

Why is it so popular?

British motorists really rate the Qashqai’s sharp lines and smooth curves. It still looks smart, and the well-built interior has a solid feel and some upmarket finishes. The Acenta Premium has a rear-view camera, NissanConnect sat nav, all-round parking sensors and a lane departure warning system, all as standard.

Drivers like the high-up seating position and there’s decent space in the rear seats. The boot is very practical, with a flexible load floor and easy-load design, while the rear seats fold down easily to extend the space further. A lot of care and attention has been put into making the Qashqai a particularly practical and easy-to-live-with large car.

View this car online

Renault Kadjar 1.3 TCe 160 Iconic


What sort of car is it?

The Renault Kadjar is the large SUV alternative to the popular Renault Captur crossover, the French firm’s best-selling car here in the UK. For Captur drivers looking for extra space, the Kadjar is a good step up, particularly as it has chic styling and a classy appearance all of its own.

Why is it so popular?

One of the highlights of the latest Kadjar is its efficient, powerful 160hp engine. The 1.3-litre turbo motor sounds on the small size but packs a real punch, with swift acceleration that’s a match for many smaller, sportier cars. Yet it’s also fuel-efficient so won’t cost a fortune to run.

A high-set seating position feels good behind the wheel, and we like the French flair that’s gone into the interior design. The Kadjar is a welcoming, interesting car to travel in. It has a useful 472-litre boot capacity too, despite also offering good rear-seat space. If you don’t need to carry people in the back, folding the rear seat extends this to a vast 1,478 litres.

View this car online

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 over 100 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.

View less than your allowance cars

Cars that cost all of your mobility allowance:

There are almost 300 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 higher rate mobility allowance and the total cost of your lease.

View cars that have an Advance Payment

How the the payments work?

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

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 the 600,000 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 that allows anyone in receipt of higher rate mobility allowances to use their mobility allowance to lease a car, scooter, powered wheelchair or Wheelchair Accessible Vehicle. 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 higher rate mobility allowances (such as the Enhanced Rate of the Mobility Component of Personal Independence Payment or the Higher Rate Mobility Component of Disability Living Allowance). Use our eligibility checker tool to see if you’re eligible.

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