I agree that it would make life easier for customers, but it opens up a whole world of challenges for Motability Operations. Firstly, it makes them a lender, with all the statutory hurdles (and costs) that come with that. Secondly, as a lender they would have to deal with defaulters (of which there would be many). The money lost through defaults would result in lower profit, which they wouldn’t accept, so the only way to cover those losses is through …… higher APs!