In its filing with the U.S. Securities and Exchange Commission, GMAC said GM can now offer financing incentives such as zero-percent loans through other lenders under certain circumstances. Some of the restrictions disappear in December 2010, and all of the restrictions will be gone three years later. GM spokesman John McDonald said the automaker doesn't plan to change its financing incentive agreements with GMAC and hopes GMAC will continue to offer the loans because they have been key to getting more people to buy GM cars and trucks. GMAC had paid GM an annual exclusivity fee and had been required to meet targets for leases and loans, the filing said. The exclusivity deal was effective through November 2016, according to the filing. The filing comes after GMAC's announcement earlier this week that it would reduce the minimum credit score required for auto financing to 621 from 700, and GM's announcement that it would offer zero-percent or low-interest financing through GMAC on certain models through Monday. The federal aid GMAC received made both moves possible. GM dealers already have seen significant sales increases as a result, said Jesse Toprak, executive director of industry analysis for the automotive Web site Edmunds.com. 'In the last few days, dealerships have been telling us that they did 40 percent of their business for December in the last week,' Toprak said. 'The uptick is certainly more than we traditionally see in the month of December.' Friday's filing also says GMAC won't have to provide lease financing. Auto finance companies have lost money on leases as trade-in values have dropped in the collapse in U.S. vehicle sales. High gasoline prices also have contributed.