Spotlight on: Automatic cars with no Advance Payment

Automatic cars are the easiest models to drive. Generally, an automatic gearbox means less work because the transmission changes gears for you, and drivers don’t have to worry about a clutch pedal. You simply shift the automatic lever into ‘D’ and the car will handle every gear change itself. Because of this, automatic gearbox technology does cost more than a regular manual. In this article, Richard Aucock of Motoring Research has selected and reviewed five automatic 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. The prices shown are valid for applications placed between July – September 2019 and will be updated as at 1 October 2019.

Hyundai Ioniq 1.6 GDI Hybrid Premium

Hyundai Ioniq

What sort of car is it?

The Ioniq range is Hyundai’s future-focused range of cars. There are three variants in the line-up: hybrid, plug-in hybrid and electric. All have good eco credentials, with the Ioniq Hybrid being the easiest to live with (you don’t have to plug it in) and most affordable.

Why is it so popular?

Like all hybrids, the Ioniq Hybrid has a standard automatic transmission. The cars of the future may well have advanced technology underneath, but they are very easy to drive. At low speeds, the engine automatically turns off, so the car drives as an electric vehicle. This saves fuel as well as cutting emissions.

The Ioniq has a futuristic style, with an aerodynamic body shape. The interior has a familiar feel though, so it’s not intimidating to use. The five-door layout has decent room in the rear and the boot is a fair size, while equipment levels are generous on the Premium model we’ve looked at here.

Nissan Juke 1.6 Bose Personal Edition

Nissan Juke

What sort of car is it?

The Nissan Juke is a very stylish small SUV. It set the template for others to follow and remains a distinctive, standout car. A higher-up seating position than a conventional hatchback is another positive. It is easier to get in and out of, and feels more confident behind the wheel, despite being no longer or wider than a regular small car.

Why is it so popular?

Nissan has continued to boost the appeal of the well-liked Juke over the years. This latest Bose Personal Edition has an ingenious speaker built into the driver’s seat headrest. The sound quality it produces is incredible. Customisable colour accents help this Juke look distinctive from the outside too.

The automatic transmission means it is easy to drive, with good visibility and nimble handling. Those relatively compact dimensions help with parking, which is further aided by a colour reversing camera. The Juke is also a five-seater, and has a wide boot with a convenient raised load ledge, so you don’t have to uncomfortably bend down to get things out of it.

Toyota Prius+ 1.8 Hybrid Icon

Toyota Prius

What sort of car is it?

The Toyota Prius+ is the roomier, more family-focused sister car to the well-known Prius eco car. They are both hybrids, so combine an efficient petrol engine with an electric motor and clever automatic gearbox. Toyota has taken to calling this technology ‘self-charging hybrid’.

Why is it so popular?

Toyota says the aim with the Prius+ is to build on all the efficient, fuel-saving appeal of the regular Prius, with more space and practicality inside. The car’s styling bears this out, with a higher body shape that has more of a compact people carrier appearance.

In town, it is characterised by a very refined drive. The engine is automatically switched off a lot of the time, for silent-running electric motoring that’s as quiet as a limo. Adding to the futuristic feel is a gadget-packed dashboard that has the exciting look of a spacecraft.

Vauxhall Crossland X 1.2 110 Elite

Vauxhall Crossland

What sort of car is it?

Vauxhall’s ‘X’ range of crossover SUVs opens with the Crossland X. It is a relatively fresh addition to the Vauxhall range that has quickly proven popular. It has a similar footprint to a normal supermini hatchback, but a raised body and higher, more commanding seating position.

Why is it so popular?

The modern-looking Crossland X has an upmarket appearance, and those jumping inside will discover a roomy and practical interior. Space and comfort in the rear are particularly impressive, and the boot is deep and well-sized.

The automatic gearbox is efficient, with smooth shifts, and it serves up both decent performance and fine economy. The Crossland X has a grown up feel on the road, with good stability and composure even over long distances. It is a well-rounded car with a broad range of appeal.

Seat Arona 1.0 TSI 115 Xcellence

SEAT Arona

What sort of car is it?

Seat is a car brand on the up, and its latest in-demand machine is the Arona small SUV. Like other Seats, it has sharp, crisp-edged styling, further helped by a choice of some appealing, eye-catching colours and trims.

Why is it so popular?

The SUV sibling to the Seat Ibiza supermini, the Arona is an extremely well-developed car with many talents and few weaknesses. For starters, it is good to drive, with a punchy, sewing machine-smooth 1.0 TSI engine and world class DSG automatic gearbox.

It has extremely good visibility, feels confident to sit in and the dashboard is sturdy and upmarket. There’s lots of space all round, and the boot is faultlessly shaped. And while drivers will appreciate the nimble handling, passengers will like the absorbent ride as well. It’s easy to see why the Arona is so popular.

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 01/07/2019 and 30/09/2019, 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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