What's my best option?

[Polly71]

I've had finance with the same company for 5 years, but had to change cars in February 2020 so the current agreement is reasonably new. My son has just been awarded full mobility allowance on his PIP and needs adaptations to be able to access vehicle easily. As far as I can tell, I'd still have to pay about £3000 for VT, which isn't an option. What is my best option under the circumstances? TIA!