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9th Dec 2019 - Dont see a deal for you? ... CALL.CHAT.MAIL OUR FRIENDLY TEAM FOR YOUR TAILORED QUOTE..

Tier 3

Regal have teamed up with a privately funded specialist lender who are often able to offer contract hire finance where mainstream lenders cannot.

Even with less-than-perfect credit rating, you can now apply for car finance with bad credit and lease your next vehicle with Regal. Credit scores reflect the risk that lenders take when offering poor credit car finance, meaning a strong repayment record will normally result in a good credit history and thus a higher credit rating, showing the lenders’ confidence that their money will be paid back. Other factors that affect your credit score include:

- County Court Judgements (CCJ)
- Individual Voluntary Arrangement (IVA)
- Bankruptcies
- Stability with your address and electoral roll
- Stability in the age of your accounts

The more stable your situation is, the more creditworthy you are likely to appear to potential lenders. Lenders feel more at risk when lending to someone with a poor credit score as opposed to lending to those with good credit. As a result, rates will be higher, and a deposit may be required to cover the risk of not keeping up with payments.

The way we are set up means we can consider personal proposals with a low tier 3 or even 4 credit score or even poor credit history, or simply in situations where a specialist, more individual or bespoke approach is called for.

Please see below some examples of current nearly new vehicle offers for personal contract hire. All deals can be tailored to meet individual needs. It is possible to choose from most brand new makes and models, however, we offer pre-owned vehicles as a cost effective alternative.

We also have a solution for Start-Up and poor credit business contract hire > LEARN MORE

Note: Stock vehicles are available with as little as one month upfront- contact us for terms. Please note that prices are indicative- availability of nearly new vehicles changes frequently. All prices and vehicles are subject to availability and credit.


A process made so easy. Great customer service, there to answer any question. So happy with my car. Thanks again. 5*

Hyundai Tucson - Liam S

The car that they found for me is perfect and exactly what I was looking for. All the paperwork was dealt with by them and the car arrived - a very happy customer. I would definitely recommend them and use them myself again.

BMW 3 Series - Andy

I recently acquired a personal lease vehicle from Regal Autolease. The process was so easy. My hectic work schedule prevented me from talking directly with my contact, but following a couple of quick emails my chosen vehicle was delivered within two weeks. I would certainly recommend Regal Autolease to anyone wishing to lease a vehicle. Very swift, professional and cost effective. I look forward to future dealings in three years time. Thank you.

Vauxhall Astra - Steve

Brilliant Family Owned and friendly company to deal with who gave me a great deal on my Mercedes. The attention to detail and customer care was second to none and they kept me informed regularly from the first contact to the delivery and receipt of the car. 5 STARS from me and will be recommending them to my family and friends 🌟 🌟 🌟 🌟 🌟


Went that extra mile !

Skoda Octavia - MH Mechanical

Fantastic brilliant customer service great service always available to answer any quires agreed and negotiated a great deal for me.

K Singh

From the initial first contact until after delivery of the vehicle Tim was prompt, reliable and always available to discuss anything at all. The entire process was smooth, professional and user friendly, the car was even delivered ahead of schedule and on a date that was convenient for me too. I cannot recommend Regal enough and I am confident that I will be using them in all future leases. Thanks again for providing such a top class service.


Fantastic service!!! Tim is very helpful and will always follow up, it was great to work with a company I never had to chase! The process was very quick! I had worked with previous vehicle companies in the past and it was a nightmare, working with Tim is a breath of fresh air! I recommend anyone to use his services!

Mercedes A-Class - Natasha

Superb service throughout. from making the enquiry to receiving the vehicle, every part of this process was excellent, stress free and provided a feeling of confidence throughout. Will definitely use again in three years.

Hyundai Tucson - Andrew W

From start to finish the experience was professional but Tim made one feel like you were dealing with an old fashioned family firm. Whenever there was an issue he went out of his way to circumvent any foreseeable problems. Would not hesitate to recommend Regal to any prospective lessor.


We currently don't have any Tier3 cars on our website.

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