At Citygate Leasing, we work with a range of finance providers which means we may be able to help even if your credit isn’t perfect.
Whether you’re new to leasing, recovering from a financial setback, or just want some clarity, our team is here to guide you through your options.
Are you thinking about leasing a car but unsure if your credit score might be a barrier? You are not alone! Understanding where you stand financially is crucial. At Citygate Leasing, we are dedicated to helping responsible drivers secure great lease deals. Here is everything you need to know about how your credit score impacts your eligibility in 2025.
What is the ideal credit score to lease a car?
Most leasing providers in the UK, including Citygate, look for a "good" to "excellent" credit score, typically around 700 or higher. We assess your financial reliability to ensure that we can offer competitive rates that work for both you and us. Here is a quick breakdown of credit score categories:
Good credit 700 - Strong chance of approval
Fair credit 650–699 - May be considered, subject to further checks.
Poor credit below 650 - We can look to assist your application if you have low credit, however lending criteria is quite strict. Get in touch with us to view your options
Worried about credit? Let’s talk about your options
At Citygate Leasing, we believe in clear, responsible financing. We are here to support you wherever you are on your credit journey. While we typically approve applications with stronger credit profiles, we encourage you to get in touch, and we’re happy to explore options for your situation.
Affordable, stable monthly payments – We aim to help you find a plan that works for your budget.
Access to premium vehicles – Depending on your circumstances, we’ll guide you through the best choices available.
There are no hidden costs or high-risk finance terms. We’ll always be upfront and honest about what you can expect.
Tips to boost your leasing eligibility.
If your credit score is just below our threshold, don’t worry! There are steps you can take to improve your credit position:
Check your credit report - Look for errors via Experian or Equifax and dispute any inaccuracies.
Pay off outstanding debts - Aim to clear any existing debts and make sure you do not miss future payments.
Avoid multiple credit applications - Try not to submit many applications in a brief period, as this can negatively impact your credit score.
Worried about your credit?
We’ll walk you through your options - no pressure, no jargon.
👉 Contact us today - click here