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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.


Fantastic support from start to finish. Answered every email (even if a stupid question) made sure that it was best deal we could get and we couldn’t be happier with our lease. Look forward to doing business again.

Karl F

Excellent service from original enquiry to delivery of vehicle. Things made simple and emails promptly answered. Competitive prices would highly recommend.


I found Tim and his company really helpful, they kept me informed all the way through the processing from start to finish. A very friendly and honest company, advised on the right car for my requirements. I would recommend Regal Autolease without a doubt.


Very helpful from the outset, dealt with my requirements quickly and proactively and most importantly kept me informed throughout.


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

K Singh

I can honestly say from start to finish the service and communication has been excellent, Tim has been in contact with me on a regular basis and guided me through the whole process, making it a very painless experience, Thank you very much Regal Autolease!


Was looking for a car on contract hire and spoke to a few dealers but I have to say Tim was second to none. The service was professional and everything was smooth. The car arrived at 9.00am on the morning of delivery again the driver was friendly and professional. I would highly recommend Tim when looking to change your car. I will definitely look nowhere else when changing my partners car.


Very smooth and helpful from start to finish.

Neil H

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.


I've had a few cars on contract hire from different suppliers now and Regal Autolease have proved to be the best out of them all. I was kept me up to date with how the order has been progressing all the way through the process which made it more of an enjoyable experience rather than a trauma. I will certainly be contacting them for my next car.


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

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