Spotlight on: Automatic cars with no Advance Payment

Richard Aucock of Motoring Research has selected and reviewed five automatic cars that are available to lease on the Motability Scheme with no Advance Payment. This means that if you’d like to lease these cars you simply exchange your higher rate mobility allowance.

The simplicity and convenience of an automatic car is something many Motability Scheme customers find invaluable. With no clutch pedal or gearstick to deal with, it’s a really straightforward and effortless way of driving. Automatic cars are simpler and more fuss-free in everyday use, delivering a more relaxing motoring experience.

Automatic cars are usually more expensive than regular manual models though. This can push up Advance Payments and put them out of reach for some motorists – but here, we’re going to prove that’s not always the case. Every automatic here is available for no Advance Payment (October-December 2020) – and we’ve made sure there’s something for everyone.

Skoda Kamiq 1.0 TSI SE


What sort of car is it?

The Kamiq is Skoda’s smallest crossover-style SUV, sitting below the Karoq and seven-seat Kodiaq (and carrying the same confident design cues). Nevertheless, it is a roomy and practical car, one that’s great for growing families, or simply those who occasionally need a big boot and ample rear-seat space. 

Why is it so popular?

Skoda is well known for its robust, cleanly-designed, super-functional cars. The Kamiq lives up to this reputation with a simple, well laid out dashboard, excellent driving position and great visibility. We love the Skoda ‘Simply Clever’ features, from an ice scraper in the fuel filler flap to an ingenious ‘easy open’ cup holder in the centre console.

The punchy turbo petrol engine is super-smooth and quiet, and you can barely feel the DSG automatic changing gear. The Kamiq has a smooth ride in town, is stable at speed and, overall, is a really able small SUV that’s easy to manage in town, yet more than able to take on a long journey.

View this car online

Vauxhall Crossland X 1.2T 130 Elite


What sort of car is it?

The Vauxhall Crossland X is the smaller SUV sibling to the family-focused Vauxhall Grandland X. The range is based around an efficient choice of engines, with the 1.2-litre turbo being the most impressive. With 130 horsepower, it responds confidently to the accelerator and the automatic gearbox is fuss-free.

Why is it so popular?

The Crossland X is a smart car with an understated, upmarket appearance. It’s not too big or cumbersome in terms of dimensions, making it easy to drive in town. With a high seating position and good visibility, it feels confident behind the wheel.

The boot is excellent, with an ample 410-litre capacity that’s bigger than some family hatchbacks. It’s easy to use, as the load sill is flat and the boot opening is low. Elite trim also brings a good haul of standard equipment, including climate control, ambient LED lighting to make the interior welcoming at night, plus the convenience of rear parking sensors, automatic headlights and rain-sensing wipers.

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Suzuki Swift 1.0 Boosterjet SZ5 auto

suzuki swift.jpg

What sort of car is it?

The Swift is one of Suzuki’s most popular global cars. A supermini-sized hatchback, buyers value it highly for its cheeky styling and combination of compact exterior and roomy five-seat, five-door interior. This latest version has recently been updated ready for 2021, so it’s even crisper-looking and generous with standard equipment.

Why is it so popular?

Many Swift owners love their car because it’s that bit smaller and easier to drive in crowded city streets. It measures less than 3.9 metres long, meaning it’s easy to squeeze into parking spaces and navigate through tight streets. But really clever development and design means there’s little compromise in terms of interior space, with the Swift proving spacious and practical inside.

It is also extremely well equipped. Latest models have an extensive list of safety assist features, including emergency auto-braking and a clever gadget that, when you’re reversing out of a parking space, bleeps if there’s a car or pedestrian coming towards you. The combination of a fuel-efficient engine and flexible automatic transmission means the drive is effortless as well.

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Nissan Micra 1.0 IG-T 100 Acenta Xtronic

nissan micra.jpg

What sort of car is it?

The bold-looking Nissan Micra is a dynamic, youthful model that provides a smaller, more city-friendly alternative to the well-loved Nissan Qashqai crossover. Despite its distinctive styling, it still offers five-door practicality and a roomy boot, and there’s a good haul of tech-savvy standard features on the popular Acenta trim.

Why is it so popular?

The Micra has a fun drive to match its energetic styling. The 1.0-litre turbocharged engine is a gem, with really strong pulling power and an effortless drive thanks to the ultra-flexible Xtronic gearbox. Even at motorway speeds, there’s plenty in reserve, and acceleration around town is genuinely good fun!

Front and rear passengers should find it easy to get comfortable, and the high level of standard equipment inside means they’re well catered for in terms of convenience features. The Micra’s interior design matches its exterior verve as well, which helps make the everyday drive that bit more engaging.

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Renault Zoe R135 50kWh Iconic

renault zoe.jpg

What sort of car is it?

The Renault Zoe is an extremely popular pure electric car that is one of the best-selling EVs throughout Europe. This recently-introduced second-generation variant is a top-notch choice for those keen to start motoring electric, and is a very appealing battery-electric alternative to the similarly-sized Renault Clio supermini.

Why is it so popular?

Smart, modern good looks mean the Zoe is an instant draw. It’s a lovely-looking car, with a similarly modern and well-designed interior. Yes, it is a fully-electric car, but it’s not intimidating, with an automatic gearlever similar to that you’ll find on a Clio, while most other switches and controls likely to prove familiar.

The Zoe has a 52kWh battery, which gives a pure electric driving range of 245 miles. That’s more than enough for a day’s driving – and if you’re a Motability Scheme customer then BP Chargemaster will install a charge point at your home, or provide access to a network of charge points for easy on-street charging. On the road, the Zoe accelerates swiftly, handles confidently… and delivers a silent electric drive normally associated with a Rolls-Royce. For Motability Scheme customers thinking of switching to electric, it’s a first-rate choice.

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 200 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 over 150 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 Allowance’ on the specifications page for weekly rental amount on the Car Search tool.

View Total 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 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.

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.

How to join

If you’re ready to take the next step, find out how to join now.

Sign up to our monthly e-newsletter if you’d like to keep up to date with all the latest Scheme news

If you’d like to join the 600,000 customers already enjoying the benefits of a worry-free lease package through the Motability Scheme, request an information pack to find out more.

Get a free information pack

Prices and features of car models shown are correct at the time of publishing and may be subject to adjustments or withdrawal in the event of any changes taking place which affect the cost of provision of the lease agreement. In the coming months the wider car market may experience longer delivery times or availability issues with some makes and models and customers are advised to discuss this with their dealer at the point of application. Prices shown are valid for recipients of the HRMC of the DLA and ERMC of PIP making an application between 01/10/2020 and 31/12/2020, but may be subject to change. Customers are advised to check any specifically required vehicle features with their dealer at the point of application. All vehicles shown are for illustrative purposes only. *This is the amount of you higher rate mobility allowance which will continue to be paid to you by the Department for Work and Pensions (DWP). This amount is based on the current weekly allowance rate of £61.20 (as of 8 April 2019) and will increase if the DWP makes its annual allowance increase (usually in April). From 01/01/2019 miles per gallon (MPG) performance is measured using the new WLTP fuel economy tests which typically give lower MPG performance than the old NEDC tests. MPG figures are indicative figures and do not necessarily represent real driving results. See manufacturer websites for the most up-to-date MPG performance. Motability Operations Limited is authorised and regulated by the Financial Conduct Authority.

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