Spotlight on: Automatic cars with no Advance Payment

Richard Aucock of Motoring Research has selected and reviewed 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.

Many Motability Scheme customers really appreciate the simplicity and convenience of automatic cars. Instead of a clutch pedal and gearstick, drivers simply move the automatic lever into ‘D’, press the accelerator, and they’re away. It is an effortless, relaxing and smooth way of driving.

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 (July-September 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.

View this car online


Smart Fortwo EQ Electric Pulse Premium


What sort of car is it?

The Smart Fortwo EQ is a fully electric car – and one of the most cost-effective ways to make the switch from a regular petrol or diesel into an emissions-free EV. As with a regular two-pedal automatic, there’s no gearchanging involved, making it really easy to drive. The safe and stylish Smart even comes with a home charging point or access to a network of charging points, so you have everything you need to start motoring electric.

Why is it so popular?

The Smart Fortwo is a car perfect for the city. It is just 2.7 metres long (that’s less than nine feet!), yet has two roomy seats that are positioned high up for a great view out and safe, commanding feel. It comes with plenty of gadgets handed down from parent company Mercedes-Benz, while the electric drive is really straightforward and surprisingly punchy.

It has a driving range of around 70 miles on a full battery charge, perfect for zero-emissions city use – and, remember, it can be charged on your driveway, so you never need to visit a petrol station. Plug it in each night and it will always have a full range at the start of the day.

What’s more, not only is the Smart available for zero Advance Payment, it also costs less than your full allowance with a weekly rental of less than £60. For a car that will cost pennies to run on electric instead of petrol, it’s a really tempting future-proof car indeed.

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 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.

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 01/07/2020 and 30/09/2020, 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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