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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.

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

Please call us on 0333 567 8888 or complete the form below.

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