Can any of us truly afford to pay an AP? I know that I can’t. I have no savings and am on benefits. However we do get full PIP or else how would we be entitled to a Motability car in the first place? People who need adaptations and have genuine special needs etc are excluded from my rant but otherwise I do not see the issue in a) selecting a car which has an AP you can realistically save up for and b) saving up for it….
Saving is not always an option for some people, they may have to use their disposable income for other expenses related to their disabilities. In my case, my current PIP award pays for my car on PCP, and I will barely get anything back when I sell it on, as the finance has to be paid.