You can still at present claim a hardship payment from Motability this is in form of a cheque and for £600 it is in affect just an advance on your GCB it is a one off payment and obviously you then don’t get your GCB after hand back. It probably suited Motability as due to financial constraints alot of people were cancelling vehicles. This will help many people wanting to put it towards the AP,
The other thing motability has introduced (on their digital journey) is GCB via BACS you can now receive this and priced at point of return of your returned vehicle. Depending with whom you bank with this can be instant by may officially take up to 4 days. If the handover is done correct then the sales staff should first process you returned vehicle so in many cases the GCB is already in your account before they princess and take payment for the new vehicle,