There’s a massive risk to Motability with bad debt if the AP can be reduced in favour of a credit facility. However, what if they offered a savings opportunity? In conjunction with a FCA recognised bank they could give a new customer or returning customer an option to add a set monthly amount from their daily living PIP, whether that’s £15 or £100 every 4 weeks. Then the bank can add a favourable interest rate and in 3 years time there’s a pot of money that can either be the AP or reduce it.
I'm Autistic, if I say something you find offensive, please let me know, I can guarantee it was unintentional.
I'll try to give my honest opinion but am always open to learning.
Mark