As your credit improves through consistent, on-time payments reported monthly to TransUnion, refinancing your current vehicle into a traditional bank loan — or qualifying for one on your next vehicle — can become a realistic option. Ask your account manager about your specific situation as your credit builds.
For a lot of SAG customers, a Lease Here Pay Here account isn’t meant to be the last stop — it’s meant to be the bridge. Building a track record of on-time payments, reported monthly to TransUnion, is exactly the kind of history a bank wants to see before extending a lower-cost loan.
Keep making on-time payments, and periodically check your credit standing. When you feel ready, it’s worth talking to a bank or credit union directly about your options — and letting your account manager know your goals so they can help however they’re able.
Our Duncan team is proud when a customer across Stephens County, including Marlow, Comanche, Velma, and Cyril, builds enough credit history to have more financing choices next time around — that’s success, not something to discourage.
It can. Because SAG reports monthly to TransUnion, a consistent on-time payment history is exactly the kind of track record banks look for.
Ask your account manager about your specific situation — this depends on your agreement and where you are in your term.
This varies by individual, but consistent on-time payments over time are the foundation. Your account manager can help you understand how your account is being reported.
Building your credit and thinking ahead? Contact your Duncan account manager to talk through your long-term plan.
