If you get a qualifying mobility allowance, you can choose to exchange it to lease a brand-new vehicle on the Motability Scheme. You’ll get an all-inclusive package as part of your lease, which includes insurance for up to three named drivers with Direct Line Motability (DLM), full RAC breakdown cover, services and routine repairs. Plus, a 60,000-mileage allowance over three years.
This article explains the different car pricing options available on the Scheme, and how the cost of a lease is calculated. We update our prices every three months on 1 January, 1 April, 1 July, and 1 October. Prices can go up as well as down.
You can check the price of any car on the Scheme using our Car Search tool.
This article was reviewed and fact-checked by our in-house experts in November 2025.
Every three months, we renegotiate our prices so we can offer you the best deals from each manufacturer. This allows us to offer you leases that are great value for money. You can choose from a wide range of makes and models, as well as lots of different vehicle types to suit your individual needs.
The shift towards electric vehicles (EVs) in response to the Zero Emissions Vehicle (ZEV) Mandate is impacting the new car market. As manufacturers focus on EV production, the availability of petrol and diesel cars is expected to decrease, which will drive up prices.
The Motability Scheme offers a all-inclusive lease package to make sure you get the best value for money when getting a new car through the Scheme.
- How we set our prices
- How you pay for your lease
- Cars that cost less than your mobility allowance
- Cars that cost your full mobility allowance
- Cars that cost your full mobility allowance and have an Advance Payment
- How we calculate the cost of your lease
- Why some cars have an Advance Payment and others do not
- Why prices change
Every three months, we work with manufacturers to update the prices of vehicles on the Scheme. This allows us to offer you the best value for money and a wide choice of vehicles at different price points, so you can find the vehicle that best suits your needs.
The shift towards electric vehicles (EVs) in response to the Zero Emissions Vehicle (ZEV) Mandate is impacting the new car market. As manufacturers focus on EV production, the availability of petrol and diesel cars is falling and pushing prices up.
How you pay for your lease
To make paying for your Motability Scheme lease a simple process, we receive payments straight from your allowance provider.
There are three payment options you can choose from:
- Cars that cost less than your mobility allowance
- Cars that cost your full mobility allowance
- Cars that cost more than your full mobility allowance, with an additional Advance Payment
1. Cars that cost less than your mobility allowance
You can choose to use some of your allowance towards your Motability Scheme vehicle. This rest of your allowance will be paid directly to you.
This is known as a fixed or ‘constant’ lease.
Examples of these vehicles available on the Scheme include:
Ford Puma 123kW Select 43kWh 5dr Auto
- If you’re on the higher rate PIP allowance, you’re currently receiving £77.05 per week*
- You will pay £73.45 per week for this vehicle
- Your allowance provider will pay the remaining £3.60 per week straight to you
- If you’re on the higher rate PIP allowance, you’re currently receiving £77.05 per week*
- You will pay £74.50 per week for this vehicle
- Your allowance provider will pay the remaining £2.55 per week straight to you
If your allowance increases during your lease, you’ll receive the extra money from your allowance provider.
Discover cars that cost less than your mobility allowance.
2. Cars that cost your full mobility allowance
You can choose to use your full mobility allowance to lease a vehicle through the Scheme. The Scheme will receive your total mobility allowance, even if it goes up during your lease.
This is known as a ‘variable’ lease.
Examples of these vehicles available on the Scheme include:
Nissan Juke 1.0 DiG-T Acenta Premium 5dr DCT
Kia Niro 150kW 2 Nav 65kWh 5dr Auto Estate
If you’re on the higher rate PIP allowance, then your total allowance of £77.05 and any additional increases in your mobility allowance will be paid directly to the Motability Scheme.
Allowance rates can change each year, usually in line with inflation. As inflation rises, the expenses associated with the Scheme rise too, so we allocate this amount to cover the costs.
Discover cars that cost your full mobility allowance.
3. Cars that cost your full mobility allowance and have an Advance Payment
If you want a wider choice of cars, you can choose one that costs more than your allowance. You’ll need to make a one-off payment at the start of your lease. This covers the difference between your allowance payments and the overall cost of the car during your three-year leasing period.
This is known as an ‘Advance Payment’. It’s not a deposit and it’s non-refundable.
Examples of these vehicles available on the Scheme include:
Volkswagen ID.3 125kW Match Pure 52kWh 5dr Auto
- You’ll pay your total allowance of £77.05 per week and any increases to us
- You’ll also pay us a one-off Advance Payment of £399
Renault Captur 1.8 E-Tech Full Hybrid 160 Evolution 5dr Auto
- You’ll pay your total allowance of £77.05 per week and any increases to us
- You’ll also pay us a one-off Advance Payment of £395
Discover cars that are available with an Advance Payment.
How do we calculate the cost of a lease?
We calculate the cost of a lease by working out the difference between the amount the Scheme pays for the new car and the estimated value of the car at the end of the lease. This figure is then added to other costs associated with your lease. This includes:
- Insurance: You get fully comprehensive cover for up to three named drivers. Everyone gets the same cover, no matter where they live or how old they are
- Services and routine repairs: Your lease includes services and any routine maintenance
- EV charging support: If you choose an electric car, we’ll support you with charging. We’ll arrange a home chargepoint and a standard installation as part of your lease. If you cannot get a home chargepoint, we’ll give you access to the bp pulse network for cheaper public charging. All EV customers also get exclusive access to Go with the Motability Scheme app, where you can access over 65,000 chargepoints across the UK
- Customer support: You get 24/7 breakdown cover, tyre and windscreen repair, and continuous mobility support (like a hire car if your vehicle is temporarily off the road car). You can also use our UK-based call centre or online help
Why do some cars have an Advance Payment but not others?
Advance Payments cover the difference between what we pay for the vehicle and the amount we get through your weekly allowance.
If a vehicle is more expensive to buy, it will cost more to lease and therefore is more likely to come with an Advance Payment.
All electric vehicles (EVs) are automatic and will likely have the latest car technology. They often cost more to make, so the Advance Payment can be higher. However, we work hard to make there is a large choice of affordable models available on the Scheme.
And with the changes in the UK car market, such as the ZEV Mandate, we can expect to see the price of electric cars decrease.
Why do prices change?
Our prices reflect the general retail market, so wider economic pressures can impact what the changing car market means for you. There have been global car market changes in the last few years that have made it more expensive to manufacture new vehicles.
The Motability Scheme offers a price guarantee which means the price confirmed when your application is accepted is the amount you will need to pay to lease your car.
The price guarantee remains, no matter how long it takes for your new car to be delivered.
How does the Scheme work?
The Motability Scheme provides an all-inclusive package:
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First, make sure you’re eligible to join the Scheme. You can use our tool to check
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Once you’ve confirmed you’re eligible, you can pick a brand-new car. Just use our Find a vehicle tool
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After you’ve found a vehicle you like, you can schedule a test drive and find your local dealer
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You can also start applying for your car in your Motability Scheme online account
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A typical lease lasts for three years and includes a full package. Well cover your insurance, servicing and breakdown
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You’ll pick up your car from a local dealer when it’s ready
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We’ll receive your payments straight from your allowance provider. You might need to top this up with an Advance Payment depending on the car you choose
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At the end of your lease, you can return your car and choose your next vehicle
Find out more by requesting a free information pack.
It isn’t just cars on the Motability Scheme
As well as a great choice of cars, we also offer a wide range of Wheelchair Accessible Vehicles (WAVs), scooters and powered wheelchairs with the same all-inclusive leasing package.
Find out what else is available on the Scheme.
*This amount is based on the weekly allowance rate of £77.05 (as of 17 November 2025).
Get more information about the Scheme
We’ve helped over 860,000 customers keep their independence.
Use your qualifying mobility allowance to lease a new car, Wheelchair Accessible Vehicle (WAV), scooter or powered wheelchair. We also have adaptations to help with driving, getting in and out, or storage.
Request information to find out how we can help you.
