Sorry Stevie, perhaps I didn’t explain properly.
The lease cost comes direct from your PIP payment so is a guaranteed payment.
An AP spread over three years would be dependent on the customer keeping up with the payment out of their own pocket. i.e. not dependant on a benefit.
Motability, as a risk averse body, would see this as a risk unworthy of taking as some will have a poor credit rating due to circumstance.
? I will be remembered for nothing but had great fun doing it ?