$CACC
CREDIT ACCEPTANCE CORP Stock $cacc

$cacc Overview Financials Valuation SEC Filings Company Website

2014 Q4 Form 10-K Financial Statement

#000088555015000015 Filed on February 12, 2015

Income Statement

Concept	2014 Q4	2014 Q3	2014 Q2
Revenue	$185.1M	$181.7M	$179.8M
YoY Change	5.59%	5.21%	6.14%
Cost Of Revenue		$9.400M	$11.00M
YoY Change		-14.55%	4.76%
Gross Profit		$172.3M	$168.8M
YoY Change		6.56%	6.23%
Gross Profit Margin		94.83%	93.88%
Selling, General & Admin	$46.80M	$17.40M	$17.30M
YoY Change	16.42%	1.16%	2.98%
% of Gross Profit		10.1%	10.25%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$3.500M	$3.500M	$3.200M
YoY Change	-2.78%	6.06%	3.23%
% of Gross Profit		2.03%	1.9%
Operating Expenses	$54.80M	$17.40M	$17.30M
YoY Change	-0.54%	1.16%	2.98%
Operating Profit		$154.9M	$151.5M
YoY Change		7.2%	6.62%
Interest Expense	-$13.90M	$13.50M	$13.30M
YoY Change	-16.77%	-16.15%	-17.9%
% of Operating Profit		8.72%	8.78%
Other Income/Expense, Net
YoY Change
Pretax Income	$116.4M	$115.3M	$109.2M
YoY Change	12.46%	12.82%	12.11%
Income Tax	$43.40M	$41.30M	$39.80M
% Of Pretax Income	37.29%	35.82%	36.45%
Net Earnings	$73.00M	$74.00M	$69.40M
YoY Change	10.77%	13.67%	12.85%
Net Earnings / Revenue	39.44%	40.73%	38.6%
Basic Earnings Per Share	$3.46	$3.38	$3.06
Diluted Earnings Per Share	$3.45	$3.38	$3.06
COMMON SHARES
Basic Shares Outstanding	21.11M shares	21.89M shares	22.65M shares
Diluted Shares Outstanding	21.17M shares	21.90M shares	22.66M shares

Balance Sheet

Concept	2014 Q4	2014 Q3	2014 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments	$6.400M	$4.300M	$6.700M
YoY Change	52.38%	19.44%	-25.56%
Cash & Equivalents	$6.400M	$4.300M	$4.300M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets	$7.800M	$5.700M	$8.300M
YoY Change	47.17%	18.75%	-15.31%
LONG-TERM ASSETS
Property, Plant & Equipment	$20.90M	$21.80M	$23.00M
YoY Change	-6.28%	-2.24%	2.68%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$210.8M	$256.8M	$211.2M
YoY Change	27.84%	52.77%	28.47%
Total Long-Term Assets	$2.778B	$2.717B	$2.619B
YoY Change	14.39%	14.13%	13.61%
TOTAL ASSETS
Total Short-Term Assets	$7.800M	$5.700M	$8.300M
Total Long-Term Assets	$2.778B	$2.717B	$2.619B
Total Assets	$2.785B	$2.723B	$2.628B
YoY Change	14.47%	14.14%	13.49%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable	$114.4M	$111.4M	$110.1M
YoY Change	0.53%	1.36%	-1.96%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$0.00	$0.00
YoY Change			-100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$117.3M	$122.9M	$112.8M
YoY Change	-12.27%	6.31%	-57.22%
LONG-TERM LIABILITIES
Long-Term Debt	$1.753B	$1.660B	$1.655B
YoY Change	25.86%	15.77%	31.7%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$1.753B	$1.660B	$1.655B
YoY Change	25.86%	15.77%	31.7%
TOTAL LIABILITIES
Total Short-Term Liabilities	$117.3M	$122.9M	$112.8M
Total Long-Term Liabilities	$1.753B	$1.660B	$1.655B
Total Liabilities	$2.083B	$1.974B	$1.955B
YoY Change	23.76%	16.43%	17.66%
SHAREHOLDERS EQUITY
Retained Earnings	$613.4M	$665.5M	$591.5M
YoY Change	-10.7%
Common Stock	$88.90M	$83.10M	$81.30M
YoY Change	40.22%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$702.2M	$748.5M	$672.8M
YoY Change
Total Liabilities & Shareholders Equity	$2.785B	$2.723B	$2.628B
YoY Change	14.47%	14.14%	13.49%

Cashflow Statement

Concept	2014 Q4	2014 Q3	2014 Q2
OPERATING ACTIVITIES
Net Income	$73.00M	$74.00M	$69.40M
YoY Change	10.77%	13.67%	12.85%
Depreciation, Depletion And Amortization	$3.500M	$3.500M	$3.200M
YoY Change	-2.78%	6.06%	3.23%
Cash From Operating Activities	$94.80M	$96.10M	$80.80M
YoY Change	-9.11%	19.08%	35.12%
INVESTING ACTIVITIES
Capital Expenditures	-$700.0K	-$300.0K	-$1.200M
YoY Change	-46.15%	-76.92%	-33.33%
Acquisitions
YoY Change
Other Investing Activities	-$58.90M	-$99.50M	-$56.90M
YoY Change	15.72%	23.6%	-19.18%
Cash From Investing Activities	-$59.60M	-$99.80M	-$58.10M
YoY Change	14.18%	22.0%	-19.53%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	-33.10M	1.300M	-21.60M
YoY Change	-35.73%	-130.23%	-258.82%
NET CHANGE
Cash From Operating Activities	94.80M	96.10M	80.80M
Cash From Investing Activities	-59.60M	-99.80M	-58.10M
Cash From Financing Activities	-33.10M	1.300M	-21.60M
Net Change In Cash	2.100M	-2.400M	1.100M
YoY Change	250.0%	-55.56%	-8.33%
FREE CASH FLOW
Cash From Operating Activities	$94.80M	$96.10M	$80.80M
Capital Expenditures	-$700.0K	-$300.0K	-$1.200M
Free Cash Flow	$95.50M	$96.40M	$82.00M
YoY Change	-9.56%	17.56%	33.12%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
CY2013Q1	cacc	Assets Excluding Loans Receivable AssetsExcludingLoansReceivable	219700000	USD
CY2013Q2	cacc	Assets Excluding Loans Receivable AssetsExcludingLoansReceivable	222600000	USD
CY2012	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	43700000	USD
CY2013	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	40400000	USD
CY2014	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	41700000	USD
CY2012	cacc	Advances To Dealers AdvancesToDealers	1253600000	USD
CY2013	cacc	Advances To Dealers AdvancesToDealers	1356600000	USD
CY2014	cacc	Advances To Dealers AdvancesToDealers	1471400000	USD
CY2013Q3	cacc	Assets Excluding Loans Receivable AssetsExcludingLoansReceivable	221800000	USD
CY2013Q4	cacc	Assets Excluding Loans Receivable AssetsExcludingLoansReceivable	220600000	USD
CY2014Q1	cacc	Assets Excluding Loans Receivable AssetsExcludingLoansReceivable	255700000	USD
CY2014Q2	cacc	Assets Excluding Loans Receivable AssetsExcludingLoansReceivable	269600000	USD
CY2014Q3	cacc	Assets Excluding Loans Receivable AssetsExcludingLoansReceivable	315100000	USD
CY2014Q4	cacc	Assets Excluding Loans Receivable AssetsExcludingLoansReceivable	272500000	USD
CY2011Q4	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield	628100000	USD
CY2012Q4	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield	718100000	USD
CY2013Q4	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield	780300000	USD
CY2014Q4	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield	861700000	USD
CY2012	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Additions CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions	586500000	USD
CY2013	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Additions CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions	615200000	USD
CY2014	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Additions CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions	671000000	USD
CY2012	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference	35600000	USD
CY2013	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference	32500000	USD
CY2014	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference	35800000	USD
CY2012	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers	6100000	USD
CY2013	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers	4900000	USD
CY2014	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers	5000000	USD
CY2013Q4	cacc	Data Processing Equipment And Software DataProcessingEquipmentAndSoftware	25500000	USD
CY2014Q4	cacc	Data Processing Equipment And Software DataProcessingEquipmentAndSoftware	26800000	USD
CY2014Q4	cacc	Debt Instrument Covenant Net Income For Past Two Quarters DebtInstrumentCovenantNetIncomeForPastTwoQuarters	1	USD
CY2012	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	141296	shares
CY2013	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	127624	shares
CY2014	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	71004	shares
CY2014Q4	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs After Five Years EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsAfterFiveYears	5900000	USD
CY2014Q4	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs In Five Years EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInFiveYears	2600000	USD
CY2014Q4	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs In Four Years EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInFourYears	3500000	USD
CY2014Q4	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs In Three Years EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInThreeYears	4200000	USD
CY2014Q4	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs In Two Years EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInTwoYears	6400000	USD
CY2014Q4	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs Next Twelve Months EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsNextTwelveMonths	10100000	USD
CY2014Q4	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs Total EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsTotal	32700000	USD
CY2012	cacc	Increase Decrease In Finance Charges IncreaseDecreaseInFinanceCharges	800000	USD
CY2013Q1	cacc	Liabilities Excluding Total Debt LiabilitiesExcludingTotalDebt	267700000	USD
CY2013Q2	cacc	Liabilities Excluding Total Debt LiabilitiesExcludingTotalDebt	254200000	USD
CY2013Q3	cacc	Liabilities Excluding Total Debt LiabilitiesExcludingTotalDebt	261400000	USD
CY2013Q4	cacc	Liabilities Excluding Total Debt LiabilitiesExcludingTotalDebt	290900000	USD
CY2014Q1	cacc	Liabilities Excluding Total Debt LiabilitiesExcludingTotalDebt	300500000	USD
CY2014Q2	cacc	Liabilities Excluding Total Debt LiabilitiesExcludingTotalDebt	300100000	USD
CY2014Q3	cacc	Liabilities Excluding Total Debt LiabilitiesExcludingTotalDebt	313900000	USD
CY2014Q4	cacc	Liabilities Excluding Total Debt LiabilitiesExcludingTotalDebt	330700000	USD
CY2012	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	USD
CY2013	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	USD
CY2014	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	USD
CY2014	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	1675700000	USD
CY2014Q4	cacc	Maximum Hedging Reserve MaximumHedgingReserve	1000000	USD
CY2012	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	2152700000	USD
CY2013	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	2321400000	USD
CY2014	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	2646100000	USD
CY2012	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	1948800000	USD
CY2013	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	2095800000	USD
CY2014	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	2346700000	USD
CY2012	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	1362400000	USD
CY2013	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	1480600000	USD
CY2014	cacc	Monthly Fee Portfolio Program MonthlyFeePortfolioProgram	599	USD
CY2014	cacc	Monthly Servicing Fee Per Financing MonthlyServicingFeePerFinancing	0.06
CY2012	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	1362400000	USD
CY2013	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	1480600000	USD
CY2014	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	1675700000	USD
CY2014	cacc	Number Of Consumer Loans Assigned To Receive Accelerated Dealer Holdback Payment NumberOfConsumerLoansAssignedToReceiveAcceleratedDealerHoldbackPayment	100	loan
CY2014	cacc	Number Of Consumers Required To Group Advances NumberOfConsumersRequiredToGroupAdvances	100	loan
CY2014	cacc	Numberof Portfolio Segments NumberofPortfolioSegments	2	portfolio_segment
CY2014	cacc	Payment Holdback Percentage PaymentHoldbackPercentage	0.5
CY2012	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	115700000	USD
CY2013	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	114200000	USD
CY2014	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	135500000	USD
CY2014	cacc	Percentage Of Collections On Contributed Loans PercentageOfCollectionsOnContributedLoans	0.06
CY2013Q4	cacc	Percentage Of Due From Affiliates PercentageOfDueFromAffiliates	0.003
CY2014Q4	cacc	Percentage Of Due From Affiliates PercentageOfDueFromAffiliates	0.004
CY2014	cacc	Percentage Of Revenue From Enrollment And Registration Fees In Program PercentageOfRevenueFromEnrollmentAndRegistrationFeesInProgram	0.5
CY2014	cacc	Period After Consumer Loans With No Forecasted Future Net Cash Flows PeriodAfterConsumerLoansWithNoForecastedFutureNetCashFlows	P120M
CY2014	cacc	Period After Determination Dealer Loan Write Off PeriodAfterDeterminationDealerLoanWriteOff	P120M
CY2014	cacc	Period After Determination Purchased Loan Write Off PeriodAfterDeterminationPurchasedLoanWriteOff	P120M
CY2013Q4	cacc	Restricted Available For Sale Securities Amortized Cost RestrictedAvailableForSaleSecuritiesAmortizedCost	53900000	USD
CY2014Q4	cacc	Restricted Available For Sale Securities Amortized Cost RestrictedAvailableForSaleSecuritiesAmortizedCost	53300000	USD
CY2013Q4	cacc	Restricted Available For Sale Securities Gross Unrealized Gain RestrictedAvailableForSaleSecuritiesGrossUnrealizedGain	0	USD
CY2014Q4	cacc	Restricted Available For Sale Securities Gross Unrealized Gain RestrictedAvailableForSaleSecuritiesGrossUnrealizedGain	100000	USD
CY2013Q4	cacc	Restricted Available For Sale Securities Gross Unrealized Losses RestrictedAvailableForSaleSecuritiesGrossUnrealizedLosses	300000	USD
CY2014Q4	cacc	Restricted Available For Sale Securities Gross Unrealized Losses RestrictedAvailableForSaleSecuritiesGrossUnrealizedLosses	200000	USD
CY2013Q4	cacc	Restricted Cash And Cash Equivalents Fair Value Disclosure RestrictedCashAndCashEquivalentsFairValueDisclosure	111300000	USD
CY2014Q4	cacc	Restricted Cash And Cash Equivalents Fair Value Disclosure RestrictedCashAndCashEquivalentsFairValueDisclosure	157600000	USD
CY2014	cacc	Revenue From Enrollment And Registration Fees In Program RevenueFromEnrollmentAndRegistrationFeesInProgram	9850	USD
CY2013Q4	cacc	Secured Financing Fair Value Disclosure SecuredFinancingFairValueDisclosure	938900000	USD
CY2014Q4	cacc	Secured Financing Fair Value Disclosure SecuredFinancingFairValueDisclosure	1334700000	USD
CY2014	cacc	Service Fee Income As Percentage Of Collections ServiceFeeIncomeAsPercentageOfCollections	0.2
CY2013	cacc	Share Based Compensation Arrangement By Share Based Payment Award Non Option Equity Instruments Exercises In Period Total Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercisesInPeriodTotalIntrinsicValue	100000	USD
CY2014	cacc	Share Based Compensation Arrangement By Share Based Payment Award Non Option Equity Instruments Exercises In Period Total Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercisesInPeriodTotalIntrinsicValue	40100000	USD
CY2013Q1	cacc	Stock Repurchase Program Number Of Shares Authorized To Be Repurchased Increase StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchasedIncrease	1000000	shares
CY2014	cacc	Threshold To Determine Probability ThresholdToDetermineProbability	0.5
CY2014	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
CY2014	dei	Amendment Flag AmendmentFlag	false
CY2014	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
CY2014	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	FY
CY2014	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2014
CY2014	dei	Document Period End Date DocumentPeriodEndDate	2014-12-31
CY2014	dei	Document Type DocumentType	10-K
CY2014	dei	Entity Central Index Key EntityCentralIndexKey	0000885550
CY2015Q1	dei	Entity Common Stock Shares Outstanding EntityCommonStockSharesOutstanding	22947170	shares
CY2014	dei	Entity Current Reporting Status EntityCurrentReportingStatus	Yes
CY2014	dei	Entity Filer Category EntityFilerCategory	Large Accelerated Filer
CY2014Q2	dei	Entity Public Float EntityPublicFloat	1018700000	USD
CY2014	dei	Entity Registrant Name EntityRegistrantName	CREDIT ACCEPTANCE CORP
CY2014	dei	Entity Voluntary Filers EntityVoluntaryFilers	No
CY2014	dei	Entity Well Known Seasoned Issuer EntityWellKnownSeasonedIssuer	Yes
CY2013Q4	us-gaap	Accounts Payable And Accrued Liabilities Current And Noncurrent AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent	113800000	USD
CY2014Q4	us-gaap	Accounts Payable And Accrued Liabilities Current And Noncurrent AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent	114400000	USD
CY2013Q4	us-gaap	Accrued Income Taxes AccruedIncomeTaxes	19900000	USD
CY2014Q4	us-gaap	Accrued Income Taxes AccruedIncomeTaxes	2900000	USD
CY2013Q4	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	24300000	USD
CY2014Q4	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	27700000	USD
CY2013Q4	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	-200000	USD
CY2014Q4	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	-100000	USD
CY2013Q4	us-gaap	Additional Paid In Capital Common Stock AdditionalPaidInCapitalCommonStock	63200000	USD
CY2014Q4	us-gaap	Additional Paid In Capital Common Stock AdditionalPaidInCapitalCommonStock	88700000	USD
CY2012	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	12200000	USD
CY2013	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	8500000	USD
CY2014	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	15300000	USD
CY2012	us-gaap	Adjustments To Additional Paid In Capital Tax Effect From Share Based Compensation AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation	2000000	USD
CY2013	us-gaap	Adjustments To Additional Paid In Capital Tax Effect From Share Based Compensation AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation	1300000	USD
CY2014	us-gaap	Adjustments To Additional Paid In Capital Tax Effect From Share Based Compensation AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation	13600000	USD
CY2012	us-gaap	Advertising Expense AdvertisingExpense	200000	USD
CY2013	us-gaap	Advertising Expense AdvertisingExpense	200000	USD
CY2014	us-gaap	Advertising Expense AdvertisingExpense	300000	USD
CY2012	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	2300000	USD
CY2013	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	2400000	USD
CY2014	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	1900000	USD
CY2012	us-gaap	Allowance For Loan And Lease Losses Period Increase Decrease AllowanceForLoanAndLeaseLossesPeriodIncreaseDecrease	2800000	USD
CY2013Q2	us-gaap	Allowance For Loan And Lease Losses Period Increase Decrease AllowanceForLoanAndLeaseLossesPeriodIncreaseDecrease	3000000	USD
CY2012	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	4200000	USD
CY2013	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	5300000	USD
CY2014	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	3200000	USD
CY2012	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	1300000	USD
CY2013	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	1300000	USD
CY2014	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	1300000	USD
CY2012	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	7100000	USD
CY2013	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	7800000	USD
CY2014	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	7700000	USD
CY2012	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
CY2013	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
CY2014Q4	us-gaap	Assets Assets	2785400000	USD
CY2012	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	50500000	USD
CY2013Q1	us-gaap	Assets Assets	2248300000	USD
CY2013Q2	us-gaap	Assets Assets	2315300000	USD
CY2013Q3	us-gaap	Assets Assets	2385200000	USD
CY2013Q4	us-gaap	Assets Assets	2433400000	USD
CY2014Q1	us-gaap	Assets Assets	2573700000	USD
CY2014Q2	us-gaap	Assets Assets	2627600000	USD
CY2014Q3	us-gaap	Assets Assets	2722500000	USD
CY2013	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	58200000	USD
CY2014	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	48300000	USD
CY2013	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Aggregate Losses AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses	0	USD
CY2014	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Aggregate Losses AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses	100000	USD
CY2013	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Aggregate Losses AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses	300000	USD
CY2014	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Aggregate Losses AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses	200000	USD
CY2013Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue	26000000	USD
CY2014Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue	33500000	USD
CY2013	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Aggregate Losses AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses	300000	USD
CY2014	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Aggregate Losses AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses	100000	USD
CY2013Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue	26000000	USD
CY2014Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue	28300000	USD
CY2013Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue	0	USD
CY2014Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue	5200000	USD
CY2013Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost	4500000	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost	4100000	USD
CY2013Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	4200000	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	4100000	USD
CY2013Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost	7800000	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost	45100000	USD
CY2013Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	7800000	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	45000000	USD
CY2013Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost	0	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost	300000	USD
CY2013Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue	0	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue	300000	USD
CY2013Q4	us-gaap	Available For Sale Securities Debt Maturities Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost	53900000	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost	53300000	USD
CY2013Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost	41600000	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost	3800000	USD
CY2013Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Fair Value AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue	41600000	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Fair Value AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue	3800000	USD
CY2013Q4	us-gaap	Available For Sale Securities Restricted AvailableForSaleSecuritiesRestricted	53600000	USD
CY2014Q4	us-gaap	Available For Sale Securities Restricted AvailableForSaleSecuritiesRestricted	53200000	USD
CY2013Q4	us-gaap	Buildings And Improvements Gross BuildingsAndImprovementsGross	14000000	USD
CY2014	us-gaap	Capitalized Computer Software Additions CapitalizedComputerSoftwareAdditions	1400000	USD
CY2014Q4	us-gaap	Buildings And Improvements Gross BuildingsAndImprovementsGross	13900000	USD
CY2013	us-gaap	Capitalized Computer Software Additions CapitalizedComputerSoftwareAdditions	800000	USD
CY2012Q4	us-gaap	Capitalized Computer Software Net CapitalizedComputerSoftwareNet	4400000	USD
CY2012Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	9000000	USD
CY2013Q4	us-gaap	Capitalized Computer Software Net CapitalizedComputerSoftwareNet	4000000	USD
CY2014Q4	us-gaap	Capitalized Computer Software Net CapitalizedComputerSoftwareNet	4200000	USD
CY2011Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	4700000	USD
CY2013Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	4200000	USD
CY2014Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	6400000	USD
CY2013Q4	us-gaap	Cash And Cash Equivalents Fair Value Disclosure CashAndCashEquivalentsFairValueDisclosure	4200000	USD
CY2014Q4	us-gaap	Cash And Cash Equivalents Fair Value Disclosure CashAndCashEquivalentsFairValueDisclosure	6400000	USD
CY2012	us-gaap	Cash And Cash Equivalents Period Increase Decrease CashAndCashEquivalentsPeriodIncreaseDecrease	4300000	USD
CY2013	us-gaap	Cash And Cash Equivalents Period Increase Decrease CashAndCashEquivalentsPeriodIncreaseDecrease	-4800000	USD
CY2014	us-gaap	Cash And Cash Equivalents Period Increase Decrease CashAndCashEquivalentsPeriodIncreaseDecrease	2200000	USD
CY2013Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
CY2014Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
CY2013Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	80000000	shares
CY2014Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	80000000	shares
CY2013Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	22943078	shares
CY2014Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	20597671	shares
CY2013Q4	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	22943078	shares
CY2014Q4	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	20597671	shares
CY2013Q4	us-gaap	Common Stock Value CommonStockValue	200000	USD
CY2014Q4	us-gaap	Common Stock Value CommonStockValue	200000	USD
CY2012	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	219600000	USD
CY2013	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	253000000	USD
CY2014	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	266300000	USD
CY2012	us-gaap	Costs And Expenses CostsAndExpenses	266100000	USD
CY2013Q1	us-gaap	Costs And Expenses CostsAndExpenses	69600000	USD
CY2013Q2	us-gaap	Costs And Expenses CostsAndExpenses	72000000	USD
CY2013Q3	us-gaap	Costs And Expenses CostsAndExpenses	70500000	USD
CY2013Q4	us-gaap	Costs And Expenses CostsAndExpenses	71800000	USD
CY2013	us-gaap	Costs And Expenses CostsAndExpenses	283900000	USD
CY2014Q1	us-gaap	Costs And Expenses CostsAndExpenses	96900000	USD
CY2014Q2	us-gaap	Costs And Expenses CostsAndExpenses	70600000	USD
CY2014Q3	us-gaap	Costs And Expenses CostsAndExpenses	66400000	USD
CY2014Q4	us-gaap	Costs And Expenses CostsAndExpenses	68700000	USD
CY2014	us-gaap	Costs And Expenses CostsAndExpenses	302600000	USD
CY2012	us-gaap	Current Federal Tax Expense Benefit CurrentFederalTaxExpenseBenefit	94900000	USD
CY2013	us-gaap	Current Federal Tax Expense Benefit CurrentFederalTaxExpenseBenefit	128400000	USD
CY2014	us-gaap	Current Federal Tax Expense Benefit CurrentFederalTaxExpenseBenefit	90900000	USD
CY2012	us-gaap	Current Income Tax Expense Benefit CurrentIncomeTaxExpenseBenefit	98400000	USD
CY2013	us-gaap	Current Income Tax Expense Benefit CurrentIncomeTaxExpenseBenefit	135800000	USD
CY2014	us-gaap	Current Income Tax Expense Benefit CurrentIncomeTaxExpenseBenefit	98200000	USD
CY2012	us-gaap	Current State And Local Tax Expense Benefit CurrentStateAndLocalTaxExpenseBenefit	3500000	USD
CY2013	us-gaap	Current State And Local Tax Expense Benefit CurrentStateAndLocalTaxExpenseBenefit	7400000	USD
CY2014	us-gaap	Current State And Local Tax Expense Benefit CurrentStateAndLocalTaxExpenseBenefit	7300000	USD
CY2012	us-gaap	Deferred State And Local Income Tax Expense Benefit DeferredStateAndLocalIncomeTaxExpenseBenefit	1400000	USD
CY2013	us-gaap	Deferred State And Local Income Tax Expense Benefit DeferredStateAndLocalIncomeTaxExpenseBenefit	100000	USD
CY2013Q2	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	2.57
CY2014Q4	us-gaap	Debt Instrument Carrying Amount DebtInstrumentCarryingAmount	1752500000	USD
CY2014Q4	us-gaap	Debt Instrument Face Amount DebtInstrumentFaceAmount	300000000	USD
CY2014	us-gaap	Debt Instrument Issuer DebtInstrumentIssuer	n/a
CY2014	us-gaap	Debt Instrument Maturity Date DebtInstrumentMaturityDate	2021-02-15
CY2012	us-gaap	Deferred Federal Income Tax Expense Benefit DeferredFederalIncomeTaxExpenseBenefit	23600000	USD
CY2013	us-gaap	Deferred Federal Income Tax Expense Benefit DeferredFederalIncomeTaxExpenseBenefit	8700000	USD
CY2014	us-gaap	Deferred Federal Income Tax Expense Benefit DeferredFederalIncomeTaxExpenseBenefit	52000000	USD
CY2012	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	25000000	USD
CY2013	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	8800000	USD
CY2014	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	56100000	USD
CY2014	us-gaap	Deferred State And Local Income Tax Expense Benefit DeferredStateAndLocalIncomeTaxExpenseBenefit	4100000	USD
CY2013Q4	us-gaap	Deferred Tax Assets Gross DeferredTaxAssetsGross	95000000	USD
CY2014Q4	us-gaap	Deferred Tax Assets Gross DeferredTaxAssetsGross	104300000	USD
CY2013Q4	us-gaap	Deferred Tax Assets Liabilities Net DeferredTaxAssetsLiabilitiesNet	-157200000	USD
CY2014Q4	us-gaap	Deferred Tax Assets Liabilities Net DeferredTaxAssetsLiabilitiesNet	-213400000	USD
CY2013Q4	us-gaap	Deferred Tax Assets Operating Loss Carryforwards State And Local DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal	3000000	USD
CY2014Q4	us-gaap	Deferred Tax Assets Operating Loss Carryforwards State And Local DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal	3900000	USD
CY2013Q4	us-gaap	Deferred Tax Assets Other DeferredTaxAssetsOther	7900000	USD
CY2014Q4	us-gaap	Deferred Tax Assets Other DeferredTaxAssetsOther	9200000	USD
CY2013Q4	us-gaap	Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost	12600000	USD
CY2014Q4	us-gaap	Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost	14800000	USD
CY2013Q4	us-gaap	Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Allowance For Doubtful Accounts DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts	71500000	USD
CY2014Q4	us-gaap	Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Allowance For Doubtful Accounts DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts	76400000	USD
CY2013Q4	us-gaap	Deferred Tax Liabilities DeferredTaxLiabilities	252200000	USD
CY2014Q4	us-gaap	Deferred Tax Liabilities DeferredTaxLiabilities	317700000	USD
CY2013Q4	us-gaap	Deferred Tax Liabilities Deferred Expense Deferred Financing Costs DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts	3300000	USD
CY2014Q4	us-gaap	Deferred Tax Liabilities Deferred Expense Deferred Financing Costs DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts	2700000	USD
CY2013Q4	us-gaap	Deferred Tax Liabilities Financing Arrangements DeferredTaxLiabilitiesFinancingArrangements	242300000	USD
CY2014Q4	us-gaap	Deferred Tax Liabilities Financing Arrangements DeferredTaxLiabilitiesFinancingArrangements	306500000	USD
CY2013Q4	us-gaap	Deferred Tax Liabilities Other DeferredTaxLiabilitiesOther	6600000	USD
CY2014Q4	us-gaap	Deferred Tax Liabilities Other DeferredTaxLiabilitiesOther	8500000	USD
CY2012	us-gaap	Defined Contribution Plan Cost Recognized DefinedContributionPlanCostRecognized	1800000	USD
CY2013	us-gaap	Defined Contribution Plan Cost Recognized DefinedContributionPlanCostRecognized	2200000	USD
CY2014	us-gaap	Defined Contribution Plan Cost Recognized DefinedContributionPlanCostRecognized	2500000	USD
CY2014	us-gaap	Defined Contribution Plan Maximum Annual Contributions Per Employee Percent DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent	0.035
CY2012	us-gaap	Depreciation Depreciation	5100000	USD
CY2013	us-gaap	Depreciation Depreciation	5400000	USD
CY2014	us-gaap	Depreciation Depreciation	5500000	USD
CY2014Q4	us-gaap	Derivative Fair Value Of Derivative Asset Amount Not Offset Against Collateral DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral	100000	USD
CY2013Q4	us-gaap	Due From Affiliates DueFromAffiliates	7500000	USD
CY2014Q4	us-gaap	Due From Affiliates DueFromAffiliates	8700000	USD
CY2012	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	8.65
CY2013Q1	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	2.49
CY2013Q1	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	2.48
CY2013	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	0	USD
CY2013	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	10.61
CY2014	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	-21800000	USD
CY2012	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	30500000	USD
CY2013Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	2.75
CY2013Q4	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	2.81
CY2014Q1	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	2.12
CY2014Q2	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	3.06
CY2014Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	3.38
CY2014Q4	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	3.46
CY2014	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	11.96
CY2012	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	8.58
CY2013Q2	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	2.56
CY2013Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	2.75
CY2013Q4	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	2.80
CY2013	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	10.54
CY2014Q1	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	2.12
CY2014Q2	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	3.06
CY2014Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	3.38
CY2014Q4	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	3.45
CY2014	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	11.92
CY2012	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.360
CY2013	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.364
CY2014	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.368
CY2012	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.350
CY2013	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.350
CY2014	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.350
CY2012	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.002
CY2013	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.003
CY2014	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.001
CY2012	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.014
CY2013	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.014
CY2014	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.021
CY2012	us-gaap	Effective Income Tax Rate Reconciliation Tax Settlements EffectiveIncomeTaxRateReconciliationTaxSettlements	-0.006
CY2013	us-gaap	Effective Income Tax Rate Reconciliation Tax Settlements EffectiveIncomeTaxRateReconciliationTaxSettlements	-0.003
CY2014	us-gaap	Effective Income Tax Rate Reconciliation Tax Settlements EffectiveIncomeTaxRateReconciliationTaxSettlements	-0.004
CY2014	us-gaap	Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Period For Recognition1 EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1	P2Y10M
CY2012	us-gaap	Excess Tax Benefit From Share Based Compensation Financing Activities ExcessTaxBenefitFromShareBasedCompensationFinancingActivities	2000000	USD
CY2013	us-gaap	Excess Tax Benefit From Share Based Compensation Financing Activities ExcessTaxBenefitFromShareBasedCompensationFinancingActivities	1300000	USD
CY2014	us-gaap	Excess Tax Benefit From Share Based Compensation Financing Activities ExcessTaxBenefitFromShareBasedCompensationFinancingActivities	13600000	USD
CY2012	us-gaap	Financial Services Revenue FinancialServicesRevenue	538200000	USD
CY2013	us-gaap	Financial Services Revenue FinancialServicesRevenue	590400000	USD
CY2014	us-gaap	Financial Services Revenue FinancialServicesRevenue	630400000	USD
CY2013Q4	us-gaap	Furniture And Fixtures Gross FurnitureAndFixturesGross	4100000	USD
CY2014Q4	us-gaap	Furniture And Fixtures Gross FurnitureAndFixturesGross	4100000	USD
CY2012	us-gaap	Gain Loss On Sale Of Property Plant Equipment GainLossOnSaleOfPropertyPlantEquipment	0	USD
CY2013	us-gaap	Gain Loss On Sale Of Property Plant Equipment GainLossOnSaleOfPropertyPlantEquipment	-100000	USD
CY2014	us-gaap	Gain Loss On Sale Of Property Plant Equipment GainLossOnSaleOfPropertyPlantEquipment	-200000	USD
CY2012	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	0	USD
CY2012	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	343100000	USD
CY2014Q1	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	80000000	USD
CY2014Q2	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	109200000	USD
CY2013	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	34400000	USD
CY2014	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	34300000	USD
CY2013Q1	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	95100000	USD
CY2013Q2	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	97400000	USD
CY2013Q3	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	102200000	USD
CY2013Q4	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	103500000	USD
CY2013	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	398200000	USD
CY2014Q3	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	115300000	USD
CY2014Q4	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	116400000	USD
CY2014	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	420900000	USD
CY2012	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	123400000	USD
CY2013Q1	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	34500000	USD
CY2013Q2	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	35900000	USD
CY2013Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	37100000	USD
CY2013Q4	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	37600000	USD
CY2013	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	145100000	USD
CY2014Q1	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	30200000	USD
CY2014Q2	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	39800000	USD
CY2014Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	41300000	USD
CY2014Q4	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	43400000	USD
CY2014	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	154700000	USD
CY2013Q4	us-gaap	Income Tax Receivable IncomeTaxReceivable	1100000	USD
CY2014Q4	us-gaap	Income Tax Receivable IncomeTaxReceivable	1400000	USD
CY2012	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	92400000	USD
CY2013	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	119600000	USD
CY2014	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	99900000	USD
CY2012	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	10000000	USD
CY2013	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	8000000	USD
CY2014	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	600000	USD
CY2012	us-gaap	Increase Decrease In Accrued Income Taxes Payable IncreaseDecreaseInAccruedIncomeTaxesPayable	4800000	USD
CY2013	us-gaap	Increase Decrease In Accrued Income Taxes Payable IncreaseDecreaseInAccruedIncomeTaxesPayable	13600000	USD
CY2014	us-gaap	Increase Decrease In Accrued Income Taxes Payable IncreaseDecreaseInAccruedIncomeTaxesPayable	-17000000	USD
CY2012	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	600000	USD
CY2013	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	0	USD
CY2014	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	300000	USD
CY2012	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-1300000	USD
CY2013	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	1500000	USD
CY2014	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	3700000	USD
CY2012	us-gaap	Increase Decrease In Restricted Cash IncreaseDecreaseInRestrictedCash	-12300000	USD
CY2013	us-gaap	Increase Decrease In Restricted Cash IncreaseDecreaseInRestrictedCash	18900000	USD
CY2014	us-gaap	Increase Decrease In Restricted Cash IncreaseDecreaseInRestrictedCash	46300000	USD
CY2012	us-gaap	Incremental Common Shares Attributable To Share Based Payment Arrangements IncrementalCommonSharesAttributableToShareBasedPaymentArrangements	48005	shares
CY2013Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	2212800000	USD
CY2013	us-gaap	Incremental Common Shares Attributable To Share Based Payment Arrangements IncrementalCommonSharesAttributableToShareBasedPaymentArrangements	31180	shares
CY2014	us-gaap	Incremental Common Shares Attributable To Share Based Payment Arrangements IncrementalCommonSharesAttributableToShareBasedPaymentArrangements	3293	shares
CY2014	us-gaap	Labor And Related Expense LaborAndRelatedExpense	100200000	USD
CY2012	us-gaap	Interest Expense InterestExpense	63400000	USD
CY2013	us-gaap	Interest Expense InterestExpense	65000000	USD
CY2014	us-gaap	Interest Expense InterestExpense	56700000	USD
CY2012	us-gaap	Interest Paid Net InterestPaidNet	56200000	USD
CY2013	us-gaap	Interest Paid Net InterestPaidNet	57500000	USD
CY2014	us-gaap	Interest Paid Net InterestPaidNet	55200000	USD
CY2012	us-gaap	Labor And Related Expense LaborAndRelatedExpense	82200000	USD
CY2013	us-gaap	Labor And Related Expense LaborAndRelatedExpense	87300000	USD
CY2013Q4	us-gaap	Land And Land Improvements LandAndLandImprovements	2300000	USD
CY2014Q4	us-gaap	Land And Land Improvements LandAndLandImprovements	2300000	USD
CY2013Q4	us-gaap	Leasehold Improvements Gross LeaseholdImprovementsGross	700000	USD
CY2014Q4	us-gaap	Leasehold Improvements Gross LeaseholdImprovementsGross	1500000	USD
CY2013Q1	us-gaap	Liabilities Liabilities	1623700000	USD
CY2013Q2	us-gaap	Liabilities Liabilities	1661400000	USD
CY2013Q3	us-gaap	Liabilities Liabilities	1695400000	USD
CY2013Q4	us-gaap	Liabilities Liabilities	1683300000	USD
CY2014Q1	us-gaap	Liabilities Liabilities	1858700000	USD
CY2014Q2	us-gaap	Liabilities Liabilities	1954800000	USD
CY2014Q3	us-gaap	Liabilities Liabilities	1974000000	USD
CY2014Q4	us-gaap	Liabilities Liabilities	2083200000	USD
CY2013Q1	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	2248300000	USD
CY2013Q2	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	2315300000	USD
CY2013Q3	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	2385200000	USD
CY2013Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	2433400000	USD
CY2014Q1	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	2573700000	USD
CY2014Q2	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	2627600000	USD
CY2014Q3	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	2722500000	USD
CY2014Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	2785400000	USD
CY2013Q4	us-gaap	Line Of Credit LineOfCredit	102800000	USD
CY2014Q4	us-gaap	Line Of Credit LineOfCredit	119500000	USD
CY2013Q4	us-gaap	Lines Of Credit Fair Value Disclosure LinesOfCreditFairValueDisclosure	102800000	USD
CY2014Q4	us-gaap	Lines Of Credit Fair Value Disclosure LinesOfCreditFairValueDisclosure	119500000	USD
CY2011Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	154300000	USD
CY2012Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	176400000	USD
CY2013Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	195400000	USD
CY2014Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	206900000	USD
CY2011Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	1752900000	USD
CY2012Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	2109900000	USD
CY2013Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	2408200000	USD
CY2014Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	2719800000	USD
CY2013Q1	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	2028600000	USD
CY2013Q2	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	2092700000	USD
CY2013Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	2163400000	USD
CY2014Q1	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	2318000000	USD
CY2014Q2	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	2358000000	USD
CY2014Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	2407400000	USD
CY2014Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	2512900000	USD
CY2013Q4	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	2226700000	USD
CY2014Q4	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	2517300000	USD
CY2013Q1	us-gaap	Long Term Debt LongTermDebt	1356000000	USD
CY2013Q2	us-gaap	Long Term Debt LongTermDebt	1407200000	USD
CY2013Q3	us-gaap	Long Term Debt LongTermDebt	1434000000	USD
CY2013Q4	us-gaap	Long Term Debt LongTermDebt	1392400000	USD
CY2014Q1	us-gaap	Long Term Debt LongTermDebt	1558200000	USD
CY2014Q2	us-gaap	Long Term Debt LongTermDebt	1654700000	USD
CY2014Q3	us-gaap	Long Term Debt LongTermDebt	1660100000	USD
CY2014Q4	us-gaap	Long Term Debt LongTermDebt	1752500000	USD
CY2014Q4	us-gaap	Long Term Debt Maturities Repayments Of Principal After Year Five LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive	300000000	USD
CY2014Q4	us-gaap	Long Term Debt Maturities Repayments Of Principal In Next Rolling Twelve Months LongTermDebtMaturitiesRepaymentsOfPrincipalInNextRollingTwelveMonths	354300000	USD
CY2014Q4	us-gaap	Long Term Debt Maturities Repayments Of Principal In Year Four LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour	59400000	USD
CY2014Q4	us-gaap	Long Term Debt Maturities Repayments Of Principal In Year Three LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree	525700000	USD
CY2014Q4	us-gaap	Long Term Debt Maturities Repayments Of Principal In Year Two LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo	513100000	USD
CY2014	us-gaap	Loss Contingency Claims Dismissed Number LossContingencyClaimsDismissedNumber	1	dealer
CY2013Q1	us-gaap	Loss Contingency Number Of Plaintiffs LossContingencyNumberOfPlaintiffs	6	dealer
CY2014	us-gaap	Loss Contingency Number Of Plaintiffs LossContingencyNumberOfPlaintiffs	5	dealer
CY2012	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	96600000	USD
CY2013	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	3100000	USD
CY2014	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	400000	USD
CY2012	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-400900000	USD
CY2013	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-333600000	USD
CY2014	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-363400000	USD
CY2012	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	308600000	USD
CY2013	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	325700000	USD
CY2014	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	365200000	USD
CY2012	us-gaap	Net Income Loss NetIncomeLoss	219700000	USD
CY2013Q1	us-gaap	Net Income Loss NetIncomeLoss	60600000	USD
CY2013Q2	us-gaap	Net Income Loss NetIncomeLoss	61500000	USD
CY2013Q3	us-gaap	Net Income Loss NetIncomeLoss	65100000	USD
CY2013Q4	us-gaap	Net Income Loss NetIncomeLoss	65900000	USD
CY2013	us-gaap	Net Income Loss NetIncomeLoss	253100000	USD
CY2014Q1	us-gaap	Net Income Loss NetIncomeLoss	49800000	USD
CY2014Q2	us-gaap	Net Income Loss NetIncomeLoss	69400000	USD
CY2014Q3	us-gaap	Net Income Loss NetIncomeLoss	74000000	USD
CY2014Q4	us-gaap	Net Income Loss NetIncomeLoss	73000000	USD
CY2014	us-gaap	Net Income Loss NetIncomeLoss	266200000	USD
CY2014	us-gaap	Number Of Operating Segments NumberOfOperatingSegments	1
CY2014	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	1	segment
CY2013Q4	us-gaap	Preferred Stock Shares Issued PreferredStockSharesIssued	0	shares
CY2014Q4	us-gaap	Preferred Stock Shares Issued PreferredStockSharesIssued	0	shares
CY2012	us-gaap	Operating Leases Rent Expense Net OperatingLeasesRentExpenseNet	900000	USD
CY2014Q4	us-gaap	Operating Leases Future Minimum Payments Due OperatingLeasesFutureMinimumPaymentsDue	5000000	USD
CY2014Q4	us-gaap	Operating Leases Future Minimum Payments Due In Rolling Year Three OperatingLeasesFutureMinimumPaymentsDueInRollingYearThree	1300000	USD
CY2014Q4	us-gaap	Operating Leases Future Minimum Payments Due In Rolling Year Two OperatingLeasesFutureMinimumPaymentsDueInRollingYearTwo	1400000	USD
CY2014Q4	us-gaap	Operating Leases Future Minimum Payments Next Rolling Twelve Months OperatingLeasesFutureMinimumPaymentsNextRollingTwelveMonths	1400000	USD
CY2014Q4	us-gaap	Operating Leases Future Minimum Payments Due In Rolling Year Five OperatingLeasesFutureMinimumPaymentsDueInRollingYearFive	200000	USD
CY2014Q4	us-gaap	Operating Leases Future Minimum Payments Due In Rolling Year Four OperatingLeasesFutureMinimumPaymentsDueInRollingYearFour	700000	USD
CY2013	us-gaap	Operating Leases Rent Expense Net OperatingLeasesRentExpenseNet	1100000	USD
CY2014	us-gaap	Operating Leases Rent Expense Net OperatingLeasesRentExpenseNet	1500000	USD
CY2013Q4	us-gaap	Other Assets OtherAssets	28100000	USD
CY2014Q4	us-gaap	Other Assets OtherAssets	33000000	USD
CY2013Q4	us-gaap	Other Borrowings OtherBorrowings	3800000	USD
CY2014Q4	us-gaap	Other Borrowings OtherBorrowings	0	USD
CY2012	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	-100000	USD
CY2013	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	-100000	USD
CY2014	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	100000	USD
CY2012	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	-100000	USD
CY2013	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	-100000	USD
CY2014	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	100000	USD
CY2012	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	-100000	USD
CY2013	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	-100000	USD
CY2014	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	100000	USD
CY2012	us-gaap	Other Income OtherIncome	23900000	USD
CY2013	us-gaap	Other Income OtherIncome	40200000	USD
CY2014	us-gaap	Other Income OtherIncome	40800000	USD
CY2012	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	152500000	USD
CY2013	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	135200000	USD
CY2014	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	343700000	USD
CY2012	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	6500000	USD
CY2013	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	5300000	USD
CY2014	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	30400000	USD
CY2012	us-gaap	Payments To Acquire Available For Sale Securities PaymentsToAcquireAvailableForSaleSecurities	57100000	USD
CY2013	us-gaap	Payments To Acquire Available For Sale Securities PaymentsToAcquireAvailableForSaleSecurities	105700000	USD
CY2014	us-gaap	Payments To Acquire Available For Sale Securities PaymentsToAcquireAvailableForSaleSecurities	65400000	USD
CY2012	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	108800000	USD
CY2013	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	124000000	USD
CY2014	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	204300000	USD
CY2012	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	8800000	USD
CY2013	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	5600000	USD
CY2014	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	4300000	USD
CY2012	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	34800000	USD
CY2013	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	40800000	USD
CY2014	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	40000000	USD
CY2013Q4	us-gaap	Preferred Stock Par Or Stated Value Per Share PreferredStockParOrStatedValuePerShare	0.01
CY2014Q4	us-gaap	Preferred Stock Par Or Stated Value Per Share PreferredStockParOrStatedValuePerShare	0.01
CY2013Q4	us-gaap	Preferred Stock Shares Authorized PreferredStockSharesAuthorized	1000000	shares
CY2014Q4	us-gaap	Preferred Stock Shares Authorized PreferredStockSharesAuthorized	1000000	shares
CY2013Q4	us-gaap	Preferred Stock Value PreferredStockValue	0	USD
CY2014Q4	us-gaap	Preferred Stock Value PreferredStockValue	0	USD
CY2012	us-gaap	Premiums Earned Net PremiumsEarnedNet	47100000	USD
CY2013	us-gaap	Premiums Earned Net PremiumsEarnedNet	51500000	USD
CY2014	us-gaap	Premiums Earned Net PremiumsEarnedNet	52300000	USD
CY2012	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	1162800000	USD
CY2013	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	1334400000	USD
CY2014	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	1540100000	USD
CY2012	us-gaap	Proceeds From Collection Of Other Receivables ProceedsFromCollectionOfOtherReceivables	100000	USD
CY2013	us-gaap	Proceeds From Collection Of Other Receivables ProceedsFromCollectionOfOtherReceivables	-400000	USD
CY2014	us-gaap	Proceeds From Collection Of Other Receivables ProceedsFromCollectionOfOtherReceivables	-100000	USD
CY2012	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	1742000000	USD
CY2013	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	1004700000	USD
CY2014	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	1754700000	USD
CY2012	us-gaap	Proceeds From Issuance Of Senior Long Term Debt ProceedsFromIssuanceOfSeniorLongTermDebt	0	USD
CY2013	us-gaap	Proceeds From Issuance Of Senior Long Term Debt ProceedsFromIssuanceOfSeniorLongTermDebt	0	USD
CY2014	us-gaap	Proceeds From Issuance Of Senior Long Term Debt ProceedsFromIssuanceOfSeniorLongTermDebt	300000000	USD
CY2012	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	2507400000	USD
CY2013	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	2816600000	USD
CY2014	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	2796200000	USD
CY2012	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	9600000	USD
CY2013	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	86200000	USD
CY2014	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	49600000	USD
CY2012	us-gaap	Proceeds From Sale And Maturity Of Available For Sale Securities ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities	2000000	USD
CY2013	us-gaap	Proceeds From Sale And Maturity Of Available For Sale Securities ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities	11600000	USD
CY2014	us-gaap	Proceeds From Sale And Maturity Of Available For Sale Securities ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities	15900000	USD
CY2012	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	600000	USD
CY2013	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	600000	USD
CY2014	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	600000	USD
CY2013Q4	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	46600000	USD
CY2014Q4	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	48600000	USD
CY2013Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	22300000	USD
CY2014Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	20900000	USD
CY2012	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	24000000	USD
CY2013	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	21900000	USD
CY2014	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	12800000	USD
CY2012	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	2507800000	USD
CY2013	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	2757300000	USD
CY2014	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	2779500000	USD
CY2012	us-gaap	Repayments Of Other Debt RepaymentsOfOtherDebt	300000	USD
CY2013	us-gaap	Repayments Of Other Debt RepaymentsOfOtherDebt	200000	USD
CY2014	us-gaap	Repayments Of Other Debt RepaymentsOfOtherDebt	3800000	USD
CY2012	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	1488300000	USD
CY2013	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	922100000	USD
CY2014	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	1357300000	USD
CY2012	us-gaap	Repayments Of Senior Debt RepaymentsOfSeniorDebt	0	USD
CY2013	us-gaap	Repayments Of Senior Debt RepaymentsOfSeniorDebt	0	USD
CY2014	us-gaap	Repayments Of Senior Debt RepaymentsOfSeniorDebt	350000000	USD
CY2013Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	111300000	USD
CY2014Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	157600000	USD
CY2013Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	686900000	USD
CY2014Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	613400000	USD
CY2012	us-gaap	Revenues Revenues	609200000	USD
CY2013Q1	us-gaap	Revenues Revenues	164700000	USD
CY2013Q2	us-gaap	Revenues Revenues	169400000	USD
CY2014Q4	us-gaap	Revenues Revenues	185100000	USD
CY2013Q3	us-gaap	Revenues Revenues	172700000	USD
CY2013Q4	us-gaap	Revenues Revenues	175300000	USD
CY2013	us-gaap	Revenues Revenues	682100000	USD
CY2014Q1	us-gaap	Revenues Revenues	176900000	USD
CY2014Q2	us-gaap	Revenues Revenues	179800000	USD
CY2014Q3	us-gaap	Revenues Revenues	181700000	USD
CY2014	us-gaap	Revenues Revenues	723500000	USD
CY2013Q4	us-gaap	Secured Debt SecuredDebt	935600000	USD
CY2014Q4	us-gaap	Secured Debt SecuredDebt	1333000000	USD
CY2012	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	31200000	USD
CY2013	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	34500000	USD
CY2014	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	36800000	USD
CY2013Q4	us-gaap	Senior Long Term Notes SeniorLongTermNotes	350200000	USD
CY2014Q4	us-gaap	Senior Long Term Notes SeniorLongTermNotes	300000000	USD
CY2012	us-gaap	Share Based Compensation ShareBasedCompensation	12200000	USD
CY2013	us-gaap	Share Based Compensation ShareBasedCompensation	8500000	USD
CY2014	us-gaap	Share Based Compensation ShareBasedCompensation	15300000	USD
CY2012	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Vested In Period Total Fair Value ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue	3600000	USD
CY2013	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Vested In Period Total Fair Value ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue	1900000	USD
CY2014	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Vested In Period Total Fair Value ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue	1900000	USD
CY2014Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Number Of Shares Available For Grant ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant	244915	shares
CY2012	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue	3000000	USD
CY2013	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue	3200000	USD
CY2014	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue	5100000	USD
CY2012	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	600000	USD
CY2013	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	600000	USD
CY2014	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	600000	USD
CY2014Q4	us-gaap	Stock Repurchase Program Number Of Shares Authorized To Be Repurchased StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased	324456	shares
CY2012	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	1740372	shares
CY2013	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	1216015	shares
CY2014	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	2686744	shares
CY2012	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	152500000	USD
CY2013	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	135200000	USD
CY2014	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	343700000	USD
CY2012Q4	us-gaap	Stockholders Equity StockholdersEquity	621900000	USD
CY2013Q1	us-gaap	Stockholders Equity StockholdersEquity	624600000	USD
CY2013Q2	us-gaap	Stockholders Equity StockholdersEquity	653900000	USD
CY2013Q3	us-gaap	Stockholders Equity StockholdersEquity	689800000	USD
CY2013Q4	us-gaap	Stockholders Equity StockholdersEquity	750100000	USD
CY2014Q1	us-gaap	Stockholders Equity StockholdersEquity	715000000	USD
CY2014Q2	us-gaap	Stockholders Equity StockholdersEquity	672800000	USD
CY2014Q3	us-gaap	Stockholders Equity StockholdersEquity	748500000	USD
CY2014Q4	us-gaap	Stockholders Equity StockholdersEquity	702200000	USD
CY2012Q1	us-gaap	Stockholders Equity StockholdersEquity	540000000	USD
CY2013Q4	us-gaap	Unamortized Debt Issuance Expense UnamortizedDebtIssuanceExpense	15100000	USD
CY2014Q4	us-gaap	Unamortized Debt Issuance Expense UnamortizedDebtIssuanceExpense	16100000	USD
CY2011Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	10000000	USD
CY2012Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	11000000	USD
CY2013Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	13200000	USD
CY2014Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	16600000	USD
CY2012	us-gaap	Unrecognized Tax Benefits Decreases Resulting From Prior Period Tax Positions UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions	400000	USD
CY2013	us-gaap	Unrecognized Tax Benefits Decreases Resulting From Prior Period Tax Positions UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions	0	USD
CY2014	us-gaap	Unrecognized Tax Benefits Decreases Resulting From Prior Period Tax Positions UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions	200000	USD
CY2012	us-gaap	Unrecognized Tax Benefits Decreases Resulting From Settlements With Taxing Authorities UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities	200000	USD
CY2013	us-gaap	Unrecognized Tax Benefits Decreases Resulting From Settlements With Taxing Authorities UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities	0	USD
CY2014	us-gaap	Unrecognized Tax Benefits Decreases Resulting From Settlements With Taxing Authorities UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities	0	USD
CY2012	us-gaap	Unrecognized Tax Benefits Income Tax Penalties And Interest Expense UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense	0	USD
CY2013	us-gaap	Unrecognized Tax Benefits Income Tax Penalties And Interest Expense UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense	500000	USD
CY2014	us-gaap	Unrecognized Tax Benefits Income Tax Penalties And Interest Expense UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense	400000	USD
CY2012	us-gaap	Unrecognized Tax Benefits Income Tax Penalties Expense UnrecognizedTaxBenefitsIncomeTaxPenaltiesExpense	0	USD
CY2013	us-gaap	Unrecognized Tax Benefits Income Tax Penalties Expense UnrecognizedTaxBenefitsIncomeTaxPenaltiesExpense	0	USD
CY2014	us-gaap	Unrecognized Tax Benefits Income Tax Penalties Expense UnrecognizedTaxBenefitsIncomeTaxPenaltiesExpense	0	USD
CY2012	us-gaap	Unrecognized Tax Benefits Increases Resulting From Current Period Tax Positions UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions	3100000	USD
CY2013	us-gaap	Unrecognized Tax Benefits Increases Resulting From Current Period Tax Positions UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions	3600000	USD
CY2014	us-gaap	Unrecognized Tax Benefits Increases Resulting From Current Period Tax Positions UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions	5500000	USD
CY2013Q4	us-gaap	Unrecognized Tax Benefits Interest On Income Taxes Accrued UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued	2700000	USD
CY2014Q4	us-gaap	Unrecognized Tax Benefits Interest On Income Taxes Accrued UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued	3100000	USD
CY2012	us-gaap	Unrecognized Tax Benefits Interest On Income Taxes Expense UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense	0	USD
CY2013	us-gaap	Unrecognized Tax Benefits Interest On Income Taxes Expense UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense	500000	USD
CY2014	us-gaap	Unrecognized Tax Benefits Interest On Income Taxes Expense UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense	400000	USD
CY2012	us-gaap	Unrecognized Tax Benefits Reductions Resulting From Lapse Of Applicable Statute Of Limitations UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations	1500000	USD
CY2013	us-gaap	Unrecognized Tax Benefits Reductions Resulting From Lapse Of Applicable Statute Of Limitations UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations	1400000	USD
CY2014	us-gaap	Unrecognized Tax Benefits Reductions Resulting From Lapse Of Applicable Statute Of Limitations UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations	1900000	USD
CY2014Q4	us-gaap	Unrecognized Tax Benefits That Would Impact Effective Tax Rate UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate	16600000	USD
CY2012	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	25598956	shares
CY2013Q1	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	24426127	shares
CY2013Q2	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	24017273	shares
CY2013Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	23708043	shares
CY2013Q4	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	23575786	shares
CY2013	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	24009593	shares
CY2014Q1	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	23528466	shares
CY2014Q2	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	22658891	shares
CY2014Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	21895222	shares
CY2014Q4	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	21171235	shares
CY2014	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	22331401	shares
CY2012	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	24850830	shares
CY2013	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	23180633	shares
CY2014	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	21739300	shares
CY2012	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	25409655	shares
CY2013Q1	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	24330027	shares
CY2013Q2	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	23974099	shares
CY2013Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	23672635	shares
CY2013Q4	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	23438153	shares
CY2013	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	23850789	shares
CY2014Q1	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	23463380	shares
CY2014Q2	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	22653393	shares
CY2014Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	21888591	shares
CY2014Q4	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	21109349	shares
CY2014	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	22257104	shares
CY2012	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	558825	shares
CY2013	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	670156	shares
CY2014	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	517804	shares
CY2014	us-gaap	Nature Of Operations NatureOfOperations	<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">DESCRIPTION OF BUSINESS</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Principal Business.  </font><font style="font-family:inherit;font-size:10pt;">Since 1972, Credit Acceptance Corporation (referred to as the “Company”, “Credit Acceptance”, “we”, “our” or “us”) has offered automobile dealers financing programs that enable them to sell vehicles to consumers, regardless of their credit history.  Our financing programs are offered through a nationwide network of automobile dealers who benefit from sales of vehicles to consumers who otherwise could not obtain financing; from repeat and referral sales generated by these same customers; and from sales to customers responding to advertisements for our product, but who actually end up qualifying for traditional financing.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">We refer to automobile dealers who participate in our programs and who share our commitment to changing consumers’ lives as “Dealers”.  Upon enrollment in our financing programs, the Dealer enters into a Dealer servicing agreement with us that defines the legal relationship between Credit Acceptance and the Dealer.  The Dealer servicing agreement assigns the responsibilities for administering, servicing, and collecting the amounts due on retail installment contracts (referred to as “Consumer Loans”) from the Dealers to us.  We are an indirect lender from a legal perspective, meaning the Consumer Loan is originated by the Dealer and assigned to us.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">We have </font><font style="font-family:inherit;font-size:10pt;">two</font><font style="font-family:inherit;font-size:10pt;"> programs: the Portfolio Program and the Purchase Program.  Under the Portfolio Program, we advance money to Dealers (referred to as a “Dealer Loan”) in exchange for the right to service the underlying Consumer Loans.  Under the Purchase Program, we buy the Consumer Loans from the Dealers (referred to as a “Purchased Loan”) and keep all amounts collected from the consumer.  Dealer Loans and Purchased Loans are collectively referred to as “Loans”.  The following table shows the percentage of Consumer Loans assigned to us based on unit volumes under each of the programs for each of the last three years:</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="7" rowspan="1"></td></tr><tr><td width="66%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">For the Years Ended December 31,</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Portfolio Program</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Purchase Program</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:2px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2012</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:2px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">93.7</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:2px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:2px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6.3</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:2px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2013</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">93.5</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6.5</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2014</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">90.7</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9.3</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Portfolio Program</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">As payment for the vehicle, the Dealer generally receives the following:</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">a down payment from the consumer;</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">a non-recourse cash payment (“advance”) from us; and</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">after the advance has been recovered by us, the cash from payments made on the Consumer Loan, net of certain collection costs and our servicing fee (“Dealer Holdback”).</font></div></td></tr></table><div style="line-height:120%;padding-left:4px;text-align:justify;padding-left:61px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">We record the amount advanced to the Dealer as a Dealer Loan, which is classified within Loans receivable in our consolidated balance sheets.  Cash advanced to the Dealer is automatically assigned to the Dealer’s open pool of advances.  We generally require Dealers to group advances into pools of at least </font><font style="font-family:inherit;font-size:10pt;">100</font><font style="font-family:inherit;font-size:10pt;"> Consumer Loans.  At the Dealer’s option, a pool containing at least </font><font style="font-family:inherit;font-size:10pt;">100</font><font style="font-family:inherit;font-size:10pt;"> Consumer Loans can be closed and subsequent advances assigned to a new pool.  All advances within a Dealer’s pool are secured by the future collections on the related Consumer Loans assigned to the pool.  For Dealers with more than one pool, the pools are cross-collateralized so the performance of other pools is considered in determining eligibility for Dealer Holdback.  We perfect our security interest in the Dealer Loans by taking possession of the Consumer Loans, which list us as lien holder on the vehicle title.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Dealer servicing agreement provides that collections received by us during a calendar month on Consumer Loans assigned by a Dealer are applied on a pool-by-pool basis as follows:</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">First, to reimburse us for certain collection costs;</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Second, to pay us our servicing fee, which generally equals </font><font style="font-family:inherit;font-size:10pt;">20%</font><font style="font-family:inherit;font-size:10pt;"> of collections;</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Third, to reduce the aggregate advance balance and to pay any other amounts due from the Dealer to us; and</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Fourth, to the Dealer as payment of Dealer Holdback.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">If the collections on Consumer Loans from a Dealer’s pool are not sufficient to repay the advance balance and any other amounts due to us, the Dealer will not receive Dealer Holdback.</font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Dealers have an opportunity to receive an accelerated Dealer Holdback payment each time </font><font style="font-family:inherit;font-size:10pt;">100</font><font style="font-family:inherit;font-size:10pt;"> Consumer Loans have been assigned to us.  The amount paid to the Dealer is calculated using a formula that considers the forecasted collections and the advance balance on the related Consumer Loans.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Since typically the combination of the advance and the consumer’s down payment provides the Dealer with a cash profit at the time of sale, the Dealer’s risk in the Consumer Loan is limited.  We cannot demand repayment of the advance from the Dealer except in the event the Dealer is in default of the Dealer servicing agreement.  Advances are made only after the consumer and Dealer have signed a Consumer Loan contract, we have received the executed Consumer Loan contract and supporting documentation in either physical or electronic form, and we have approved all of the related stipulations for funding.  The Dealer can also opt to repurchase Consumer Loans that have been assigned to us under the Portfolio Program, at their discretion, for a fee.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">For accounting purposes, the transactions described under the Portfolio Program are not considered to be loans to consumers.  Instead, our accounting reflects that of a lender to the Dealer.  The classification as a Dealer Loan for accounting purposes is primarily a result of (1) the Dealer’s financial interest in the Consumer Loan and (2) certain elements of our legal relationship with the Dealer.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Purchase Program</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Purchase Program differs from our Portfolio Program in that the Dealer receives a one-time payment from us at the time of assignment to purchase the Consumer Loan instead of a cash advance at the time of assignment and future Dealer Holdback payments.  For accounting purposes, the transactions described under the Purchase Program are considered to be originated by the Dealer and then purchased by us.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Program Enrollment</font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Dealers may enroll in our program by (1) paying an up-front, one-time fee of </font><font style="font-family:inherit;font-size:10pt;">$9,850</font><font style="font-family:inherit;font-size:10pt;">, or (2) agreeing to allow us to retain </font><font style="font-family:inherit;font-size:10pt;">50%</font><font style="font-family:inherit;font-size:10pt;"> of their first accelerated Dealer Holdback payment. Dealers are granted access to the Portfolio Program upon enrollment. Access to the Purchase Program is limited and is typically only granted to Dealers that meet one of the following criteria:</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">received their first accelerated Dealer Holdback payment under the Portfolio Program;</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">is a franchise dealership; or</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">is an independent dealership that meets certain criteria upon enrollment.</font></div></td></tr></table></div>
CY2014	us-gaap	Use Of Estimates UseOfEstimates	<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Use of Estimates</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (“GAAP”) requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period.  The accounts which are subject to significant estimation include the allowance for credit losses, finance charge revenue, premiums earned, stock-based compensation expense, contingencies, and uncertain tax positions.  Actual results could materially differ from those estimates.</font></div></div>

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$CACC
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2014 Q4 Form 10-K Financial Statement

#000088555015000015 Filed on February 12, 2015

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$CACC CREDIT ACCEPTANCE CORP Stock $cacc

2014 Q4 Form 10-K Financial Statement

#000088555015000015 Filed on February 12, 2015

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$CACC
CREDIT ACCEPTANCE CORP Stock $cacc