$CACC
CREDIT ACCEPTANCE CORP Stock $cacc

$cacc Overview Financials Valuation SEC Filings Company Website

2015 Q4 Form 10-Q Financial Statement

#000088555015000069 Filed on November 06, 2015

Income Statement

Concept	2015 Q4	2015 Q3	2014 Q3
Revenue	$217.8M	$210.2M	$181.7M
YoY Change	17.67%	15.69%	5.21%
Cost Of Revenue		$8.400M	$9.400M
YoY Change		-10.64%	-14.55%
Gross Profit		$201.8M	$172.3M
YoY Change		17.12%	6.56%
Gross Profit Margin		96.0%	94.83%
Selling, General & Admin	$50.10M	$21.70M	$17.40M
YoY Change	7.05%	24.71%	1.16%
% of Gross Profit		10.75%	10.1%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$3.500M	$3.700M	$3.500M
YoY Change	0.0%	5.71%	6.06%
% of Gross Profit		1.83%	2.03%
Operating Expenses	$70.80M	$21.70M	$17.40M
YoY Change	29.2%	24.71%	1.16%
Operating Profit		$180.1M	$154.9M
YoY Change		16.27%	7.2%
Interest Expense	-$21.10M	$20.40M	$13.50M
YoY Change	51.8%	51.11%	-16.15%
% of Operating Profit		11.33%	8.72%
Other Income/Expense, Net
YoY Change
Pretax Income	$125.9M	$117.9M	$115.3M
YoY Change	8.16%	2.25%	12.82%
Income Tax	$45.90M	$43.90M	$41.30M
% Of Pretax Income	36.46%	37.23%	35.82%
Net Earnings	$80.00M	$74.00M	$74.00M
YoY Change	9.59%	0.0%	13.67%
Net Earnings / Revenue	36.73%	35.2%	40.73%
Basic Earnings Per Share	$3.86	$3.53	$3.38
Diluted Earnings Per Share	$3.84	$3.53	$3.38
COMMON SHARES
Basic Shares Outstanding	20.60M shares	20.95M shares	21.89M shares
Diluted Shares Outstanding		20.95M shares	21.90M shares

Balance Sheet

Concept	2015 Q4	2015 Q3	2014 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments	$6.300M	$134.7M	$4.300M
YoY Change	-1.56%	3032.56%	19.44%
Cash & Equivalents	$6.300M	$134.7M	$4.300M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets	$16.30M	$135.0M	$5.700M
YoY Change	108.97%	2268.42%	18.75%
LONG-TERM ASSETS
Property, Plant & Equipment	$18.90M	$19.50M	$21.80M
YoY Change	-9.57%	-10.55%	-2.24%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$215.7M	$226.5M	$256.8M
YoY Change	2.32%	-11.8%	52.77%
Total Long-Term Assets	$3.356B	$3.241B	$2.717B
YoY Change	20.83%	19.28%	14.13%
TOTAL ASSETS
Total Short-Term Assets	$16.30M	$135.0M	$5.700M
Total Long-Term Assets	$3.356B	$3.241B	$2.717B
Total Assets	$3.373B	$3.376B	$2.723B
YoY Change	21.08%	23.99%	14.14%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable	$127.8M	$124.2M	$111.4M
YoY Change	11.71%	11.49%	1.36%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$0.00	$0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$127.8M	$126.5M	$122.9M
YoY Change	8.95%	2.93%	6.31%
LONG-TERM LIABILITIES
Long-Term Debt	$2.068B	$2.081B	$1.660B
YoY Change	17.99%	25.37%	15.77%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$2.068B	$2.081B	$1.660B
YoY Change	17.99%	25.37%	15.77%
TOTAL LIABILITIES
Total Short-Term Liabilities	$127.8M	$126.5M	$122.9M
Total Long-Term Liabilities	$2.068B	$2.081B	$1.660B
Total Liabilities	$2.445B	$2.444B	$1.974B
YoY Change	17.34%	23.82%	16.43%
SHAREHOLDERS EQUITY
Retained Earnings	$827.2M	$832.7M	$665.5M
YoY Change	34.85%	25.12%
Common Stock	$101.0M	$98.50M	$83.10M
YoY Change	13.61%	18.53%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$928.1M	$931.3M	$748.5M
YoY Change
Total Liabilities & Shareholders Equity	$3.373B	$3.376B	$2.723B
YoY Change	21.08%	23.99%	14.14%

Cashflow Statement

Concept	2015 Q4	2015 Q3	2014 Q3
OPERATING ACTIVITIES
Net Income	$80.00M	$74.00M	$74.00M
YoY Change	9.59%	0.0%	13.67%
Depreciation, Depletion And Amortization	$3.500M	$3.700M	$3.500M
YoY Change	0.0%	5.71%	6.06%
Cash From Operating Activities	$103.9M	$110.8M	$96.10M
YoY Change	9.6%	15.3%	19.08%
INVESTING ACTIVITIES
Capital Expenditures	-$800.0K	-$1.000M	-$300.0K
YoY Change	14.29%	233.33%	-76.92%
Acquisitions
YoY Change
Other Investing Activities	-$145.3M	-$134.8M	-$99.50M
YoY Change	146.69%	35.48%	23.6%
Cash From Investing Activities	-$146.1M	-$135.8M	-$99.80M
YoY Change	145.13%	36.07%	22.0%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	-86.20M	158.4M	1.300M
YoY Change	160.42%	12084.62%	-130.23%
NET CHANGE
Cash From Operating Activities	103.9M	110.8M	96.10M
Cash From Investing Activities	-146.1M	-135.8M	-99.80M
Cash From Financing Activities	-86.20M	158.4M	1.300M
Net Change In Cash	-128.4M	133.4M	-2.400M
YoY Change	-6214.29%	-5658.33%	-55.56%
FREE CASH FLOW
Cash From Operating Activities	$103.9M	$110.8M	$96.10M
Capital Expenditures	-$800.0K	-$1.000M	-$300.0K
Free Cash Flow	$104.7M	$111.8M	$96.40M
YoY Change	9.63%	15.98%	17.56%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
	cacc	Monthly Servicing Fee Per Financing MonthlyServicingFeePerFinancing	0.06
CY2014Q3	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	9700000	USD
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	31600000	USD
CY2015Q3	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	13000000	USD
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	39600000	USD
	cacc	Advances To Dealers AdvancesToDealers	1103600000	USD
	cacc	Advances To Dealers AdvancesToDealers	1371500000	USD
CY2014Q3	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	8200000	USD
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	21800000	USD
CY2015Q3	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	2900000	USD
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	20900000	USD
CY2014Q3	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers	1200000	USD
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers	3800000	USD
CY2015Q3	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers	700000	USD
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers	2900000	USD
CY2015Q3	cacc	Debt Instrument Covenant Net Income For Past Two Quarters DebtInstrumentCovenantNetIncomeForPastTwoQuarters	1	USD
CY2014Q3	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	6631	shares
	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	20936	shares
CY2015Q3	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	5884	shares
	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	10661	shares
CY2014Q3	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	617400000	USD
	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	1959500000	USD
CY2015Q3	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	863000000	USD
	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	2677500000	USD
CY2014Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	547300000	USD
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	1746100000	USD
CY2015Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	734500000	USD
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	2304200000	USD
CY2014Q3	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	391700000	USD
	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	1246400000	USD
CY2015Q3	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	520500000	USD
	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	1638300000	USD
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	1100000	USD
CY2015Q3	cacc	Maximum Hedging Reserve MaximumHedgingReserve	1000000	USD
CY2014Q3	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	391700000	USD
	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	1246400000	USD
CY2015Q3	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	520500000	USD
	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	1638300000	USD
CY2015Q3	cacc	Number Of Business Programs NumberOfBusinessPrograms	2	program
	cacc	Number Of Consumer Loans Assigned To Receive Accelerated Dealer Holdback Payment NumberOfConsumerLoansAssignedToReceiveAcceleratedDealerHoldbackPayment	100	loan
	cacc	Number Of Consumers Required To Group Advances NumberOfConsumersRequiredToGroupAdvances	100	loan
	cacc	Numberof Portfolio Segments NumberofPortfolioSegments	2	portfolio_segment
CY2014Q3	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	33700000	USD
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	101500000	USD
CY2015Q3	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	36600000	USD
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	115200000	USD
	cacc	Percentage Of Collections On Contributed Loans PercentageOfCollectionsOnContributedLoans	0.06
CY2014Q4	cacc	Percentage Of Due From Affiliates PercentageOfDueFromAffiliates	0.004
CY2015Q3	cacc	Percentage Of Due From Affiliates PercentageOfDueFromAffiliates	0.003
	cacc	Percentage Of Revenue From Enrollment And Registration Fees In Program PercentageOfRevenueFromEnrollmentAndRegistrationFeesInProgram	0.5
	cacc	Period After Consumer Loans With No Forecasted Future Net Cash Flows PeriodAfterConsumerLoansWithNoForecastedFutureNetCashFlows	P120M
	cacc	Period After Determination Dealer Loan Write Off PeriodAfterDeterminationDealerLoanWriteOff	P120M
	cacc	Period After Determination Purchased Loan Write Off PeriodAfterDeterminationPurchasedLoanWriteOff	P120M
CY2014Q4	cacc	Restricted Cash And Cash Equivalents Fair Value Disclosure RestrictedCashAndCashEquivalentsFairValueDisclosure	157600000	USD
CY2015Q3	cacc	Restricted Cash And Cash Equivalents Fair Value Disclosure RestrictedCashAndCashEquivalentsFairValueDisclosure	176000000	USD
	cacc	Revenue From Enrollment And Registration Fees In Program RevenueFromEnrollmentAndRegistrationFeesInProgram	9850	USD
CY2014Q4	cacc	Secured Financing Fair Value Disclosure SecuredFinancingFairValueDisclosure	1334700000	USD
CY2015Q3	cacc	Secured Financing Fair Value Disclosure SecuredFinancingFairValueDisclosure	1532600000	USD
	cacc	Service Fee Income As Percentage Of Collections ServiceFeeIncomeAsPercentageOfCollections	0.2
CY2013Q1	cacc	Stock Repurchase Program Number Of Shares Authorized To Be Repurchased Increase StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchasedIncrease	1000000	shares
	dei	Amendment Flag AmendmentFlag	false
	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	Q3
	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2015
	dei	Document Period End Date DocumentPeriodEndDate	2015-09-30
	dei	Document Type DocumentType	10-Q
	dei	Entity Central Index Key EntityCentralIndexKey	0000885550
CY2015Q4	dei	Entity Common Stock Shares Outstanding EntityCommonStockSharesOutstanding	20596978	shares
	dei	Entity Filer Category EntityFilerCategory	Large Accelerated Filer
	dei	Entity Registrant Name EntityRegistrantName	CREDIT ACCEPTANCE CORP
CY2014Q4	us-gaap	Accounts Payable And Accrued Liabilities Current And Noncurrent AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent	114400000	USD
CY2015Q3	us-gaap	Accounts Payable And Accrued Liabilities Current And Noncurrent AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent	124200000	USD
CY2014Q4	us-gaap	Accrued Income Taxes AccruedIncomeTaxes	2900000	USD
CY2015Q3	us-gaap	Accrued Income Taxes AccruedIncomeTaxes	2300000	USD
CY2014Q4	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	-100000	USD
CY2015Q3	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	100000	USD
CY2014Q4	us-gaap	Additional Paid In Capital Common Stock AdditionalPaidInCapitalCommonStock	88700000	USD
CY2015Q3	us-gaap	Additional Paid In Capital Common Stock AdditionalPaidInCapitalCommonStock	98300000	USD
CY2014Q3	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	500000	USD
	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	1500000	USD
CY2015Q3	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	400000	USD
	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	1400000	USD
CY2014Q3	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	1200000	USD
	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	2100000	USD
CY2015Q3	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	1300000	USD
	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	5900000	USD
CY2014Q3	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	200000	USD
	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	900000	USD
CY2015Q3	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	400000	USD
	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	900000	USD
	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	5700000	USD
	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	6400000	USD
CY2014Q4	us-gaap	Assets Assets	2785400000	USD
CY2015Q3	us-gaap	Assets Assets	3375600000	USD
CY2014Q3	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	10700000	USD
	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	36300000	USD
CY2015Q3	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	9800000	USD
	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	35900000	USD
CY2014Q4	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	53300000	USD
CY2015Q3	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	50300000	USD
CY2014Q4	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	100000	USD
CY2015Q3	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	200000	USD
CY2014Q4	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	200000	USD
CY2015Q3	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	0	USD
CY2014Q4	us-gaap	Available For Sale Securities Amortized Cost AvailableForSaleSecuritiesAmortizedCost	53300000	USD
CY2015Q3	us-gaap	Available For Sale Securities Amortized Cost AvailableForSaleSecuritiesAmortizedCost	50300000	USD
CY2014Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	100000	USD
CY2015Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	0	USD
CY2014Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss	200000	USD
CY2015Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss	0	USD
CY2014Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue	33500000	USD
CY2015Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue	13200000	USD
CY2014Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	100000	USD
CY2015Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	0	USD
CY2014Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue	28300000	USD
CY2015Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue	11800000	USD
CY2014Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue	5200000	USD
CY2015Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue	1400000	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost	4100000	USD
CY2015Q3	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost	1000000	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	4100000	USD
CY2015Q3	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	1000000	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost	45100000	USD
CY2015Q3	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost	43600000	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	45000000	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue	300000	USD
CY2015Q3	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue	2900000	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost	3800000	USD
CY2015Q3	us-gaap	Available For Sale Securities Debt Maturities Within One Year Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost	2800000	USD
CY2015Q3	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	43800000	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost	300000	USD
CY2015Q3	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost	2900000	USD
CY2014Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Fair Value AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue	3800000	USD
CY2015Q3	us-gaap	Available For Sale Securities Debt Maturities Within One Year Fair Value AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue	2800000	USD
CY2014Q4	us-gaap	Available For Sale Securities Restricted AvailableForSaleSecuritiesRestricted	53200000	USD
CY2015Q3	us-gaap	Available For Sale Securities Restricted AvailableForSaleSecuritiesRestricted	50500000	USD
CY2012Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	4200000	USD
CY2014Q2	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	4300000	USD
CY2014Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	6400000	USD
CY2015Q3	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	134700000	USD
CY2014Q4	us-gaap	Cash And Cash Equivalents Fair Value Disclosure CashAndCashEquivalentsFairValueDisclosure	6400000	USD
CY2015Q3	us-gaap	Cash And Cash Equivalents Fair Value Disclosure CashAndCashEquivalentsFairValueDisclosure	134700000	USD
	us-gaap	Cash And Cash Equivalents Period Increase Decrease CashAndCashEquivalentsPeriodIncreaseDecrease	100000	USD
	us-gaap	Cash And Cash Equivalents Period Increase Decrease CashAndCashEquivalentsPeriodIncreaseDecrease	128300000	USD
CY2014Q4	us-gaap	Cash Uninsured Amount CashUninsuredAmount	5800000	USD
CY2015Q3	us-gaap	Cash Uninsured Amount CashUninsuredAmount	134400000	USD
CY2013Q4	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	780300000	USD
CY2014Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	834100000	USD
CY2014Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	842700000	USD
CY2014Q4	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	861700000	USD
CY2015Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	993500000	USD
CY2015Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	1035800000	USD
CY2014Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	160500000	USD
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	476300000	USD
CY2015Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	188500000	USD
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	543400000	USD
CY2014Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions	155600000	USD
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions	499700000	USD
CY2015Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions	214000000	USD
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions	665900000	USD
CY2014Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications To From Nonaccretable Difference CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsToFromNonaccretableDifference	4100000	USD
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications To From Nonaccretable Difference CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsToFromNonaccretableDifference	13400000	USD
CY2015Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications To From Nonaccretable Difference CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsToFromNonaccretableDifference	13200000	USD
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications To From Nonaccretable Difference CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsToFromNonaccretableDifference	27800000	USD
CY2014Q4	us-gaap	Commitments And Contingencies CommitmentsAndContingencies		USD
CY2015Q3	us-gaap	Commitments And Contingencies CommitmentsAndContingencies		USD
CY2014Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
CY2015Q3	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
CY2014Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	80000000	shares
CY2015Q3	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	80000000	shares
CY2014Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	20597671	shares
CY2015Q3	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	20597504	shares
CY2014Q4	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	20597671	shares
CY2015Q3	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	20597504	shares
CY2014Q4	us-gaap	Common Stock Value CommonStockValue	200000	USD
CY2015Q3	us-gaap	Common Stock Value CommonStockValue	200000	USD
CY2014Q3	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	73900000	USD
	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	193300000	USD
CY2015Q3	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	74100000	USD
	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	219900000	USD
CY2014Q3	us-gaap	Costs And Expenses CostsAndExpenses	66400000	USD
	us-gaap	Costs And Expenses CostsAndExpenses	233900000	USD
CY2015Q3	us-gaap	Costs And Expenses CostsAndExpenses	92300000	USD
	us-gaap	Costs And Expenses CostsAndExpenses	258900000	USD
	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	33800000	USD
	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	23100000	USD
CY2014Q4	us-gaap	Deferred Tax Assets Liabilities Net DeferredTaxAssetsLiabilitiesNet	-213400000	USD
CY2015Q3	us-gaap	Deferred Tax Assets Liabilities Net DeferredTaxAssetsLiabilitiesNet	-236600000	USD
	us-gaap	Depreciation Depreciation	4000000	USD
	us-gaap	Depreciation Depreciation	4300000	USD
CY2014Q4	us-gaap	Derivative Fair Value Of Derivative Asset Amount Not Offset Against Collateral DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral	100000	USD
CY2015Q3	us-gaap	Derivative Fair Value Of Derivative Asset Amount Not Offset Against Collateral DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral	100000	USD
CY2014Q4	us-gaap	Due From Affiliates DueFromAffiliates	8700000	USD
CY2015Q3	us-gaap	Due From Affiliates DueFromAffiliates	9500000	USD
CY2014Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	3.38
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	8.49
CY2015Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	3.53
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	10.49
CY2014Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	3.38
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CY2015Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	3.53
	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	10.49
CY2014Q3	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.358
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CY2015Q3	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.372
	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.370
CY2014Q3	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.35
	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.35
CY2015Q3	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.35
	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.35
CY2014Q3	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	-0.001
	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.001
CY2015Q3	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.004
	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.002
CY2014Q3	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.009
	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.015
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CY2015Q3	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.018
	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.018
	us-gaap	Excess Tax Benefit From Share Based Compensation Financing Activities ExcessTaxBenefitFromShareBasedCompensationFinancingActivities	13600000	USD
CY2014Q3	us-gaap	Financial Services Revenue FinancialServicesRevenue	158000000	USD
	us-gaap	Financial Services Revenue FinancialServicesRevenue	468700000	USD
CY2015Q3	us-gaap	Financial Services Revenue FinancialServicesRevenue	186200000	USD
	us-gaap	Financial Services Revenue FinancialServicesRevenue	536300000	USD
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	us-gaap	Gain Loss On Sale Of Property Plant Equipment GainLossOnSaleOfPropertyPlantEquipment	-300000	USD
CY2014Q3	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	0	USD
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CY2015Q3	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	0	USD
	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	0	USD
CY2014Q3	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	8700000	USD
	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	25400000	USD
CY2015Q3	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	9800000	USD
	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	28000000	USD
CY2014Q3	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	115300000	USD
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CY2015Q3	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	117900000	USD
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CY2014Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	41300000	USD
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	111300000	USD
CY2015Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	43900000	USD
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	128900000	USD
CY2014Q4	us-gaap	Income Tax Receivable IncomeTaxReceivable	1400000	USD
CY2015Q3	us-gaap	Income Tax Receivable IncomeTaxReceivable	300000	USD
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	71700000	USD
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	102200000	USD
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	us-gaap	Increase Decrease In Accrued Income Taxes Payable IncreaseDecreaseInAccruedIncomeTaxesPayable	-8400000	USD
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	us-gaap	Increase Decrease In Restricted Cash IncreaseDecreaseInRestrictedCash	94100000	USD
	us-gaap	Increase Decrease In Restricted Cash IncreaseDecreaseInRestrictedCash	18400000	USD
CY2014Q3	us-gaap	Incremental Common Shares Attributable To Share Based Payment Arrangements IncrementalCommonSharesAttributableToShareBasedPaymentArrangements	0	shares
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CY2015Q3	us-gaap	Incremental Common Shares Attributable To Share Based Payment Arrangements IncrementalCommonSharesAttributableToShareBasedPaymentArrangements	0	shares
	us-gaap	Incremental Common Shares Attributable To Share Based Payment Arrangements IncrementalCommonSharesAttributableToShareBasedPaymentArrangements	0	shares
CY2014Q3	us-gaap	Interest Expense InterestExpense	13500000	USD
	us-gaap	Interest Expense InterestExpense	42800000	USD
CY2015Q3	us-gaap	Interest Expense InterestExpense	20400000	USD
	us-gaap	Interest Expense InterestExpense	54900000	USD
	us-gaap	Interest Paid Net InterestPaidNet	47900000	USD
	us-gaap	Interest Paid Net InterestPaidNet	52300000	USD
CY2014Q3	us-gaap	Labor And Related Expense LaborAndRelatedExpense	22000000	USD
	us-gaap	Labor And Related Expense LaborAndRelatedExpense	72000000	USD
CY2015Q3	us-gaap	Labor And Related Expense LaborAndRelatedExpense	28600000	USD
	us-gaap	Labor And Related Expense LaborAndRelatedExpense	87500000	USD
CY2014Q4	us-gaap	Liabilities Liabilities	2083200000	USD
CY2015Q3	us-gaap	Liabilities Liabilities	2444300000	USD
CY2014Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	2785400000	USD
CY2015Q3	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	3375600000	USD
CY2014Q4	us-gaap	Line Of Credit LineOfCredit	119500000	USD
CY2015Q3	us-gaap	Line Of Credit LineOfCredit	0	USD
CY2014Q4	us-gaap	Lines Of Credit Fair Value Disclosure LinesOfCreditFairValueDisclosure	119500000	USD
CY2013Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	195400000	USD
CY2014Q2	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	204800000	USD
CY2014Q3	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	208200000	USD
CY2014Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	206900000	USD
CY2015Q2	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	217900000	USD
CY2015Q3	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	230200000	USD
CY2013Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	2408200000	USD
CY2014Q2	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	2562800000	USD
CY2014Q3	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	2615600000	USD
CY2014Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	2719800000	USD
CY2015Q2	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	3052600000	USD
CY2015Q3	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	3189700000	USD
CY2014Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	2512900000	USD
CY2015Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	2959500000	USD
CY2014Q4	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	2517300000	USD
CY2015Q3	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	2977200000	USD
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	us-gaap	Loss Contingency Number Of Plaintiffs LossContingencyNumberOfPlaintiffs	5	dealer
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	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-493400000	USD
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	270400000	USD
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	300300000	USD
CY2014Q3	us-gaap	Net Income Loss NetIncomeLoss	74000000	USD
	us-gaap	Net Income Loss NetIncomeLoss	193200000	USD
CY2015Q3	us-gaap	Net Income Loss NetIncomeLoss	74000000	USD
	us-gaap	Net Income Loss NetIncomeLoss	219700000	USD
CY2014Q4	us-gaap	Notes Payable Fair Value Disclosure NotesPayableFairValueDisclosure	299300000	USD
CY2015Q3	us-gaap	Notes Payable Fair Value Disclosure NotesPayableFairValueDisclosure	557900000	USD
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CY2014Q4	us-gaap	Other Assets OtherAssets	33000000	USD
CY2015Q3	us-gaap	Other Assets OtherAssets	35100000	USD
CY2014Q3	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	-100000	USD
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CY2015Q3	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	100000	USD
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CY2014Q3	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	-100000	USD
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CY2014Q3	us-gaap	Other Income OtherIncome	11000000	USD
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CY2015Q3	us-gaap	Other Income OtherIncome	12000000	USD
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	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	3200000	USD
CY2014Q3	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	9400000	USD
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CY2015Q3	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	8400000	USD
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CY2014Q4	us-gaap	Preferred Stock Par Or Stated Value Per Share PreferredStockParOrStatedValuePerShare	0.01
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CY2015Q3	us-gaap	Preferred Stock Shares Issued PreferredStockSharesIssued	0	shares
CY2014Q4	us-gaap	Preferred Stock Value PreferredStockValue	0	USD
CY2015Q3	us-gaap	Preferred Stock Value PreferredStockValue	0	USD
CY2014Q3	us-gaap	Premiums Earned Net PremiumsEarnedNet	12700000	USD
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CY2015Q3	us-gaap	Premiums Earned Net PremiumsEarnedNet	12000000	USD
	us-gaap	Premiums Earned Net PremiumsEarnedNet	36700000	USD
CY2014Q3	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	381600000	USD
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CY2015Q3	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	432100000	USD
	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	1318700000	USD
	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	1583900000	USD
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CY2014Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	20900000	USD
CY2015Q3	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	19500000	USD
CY2014Q3	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	4100000	USD
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	13400000	USD
CY2015Q3	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	13200000	USD
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	27800000	USD
	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	2076200000	USD
	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	1582600000	USD
	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	1168200000	USD
	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	996100000	USD
	us-gaap	Repayments Of Senior Debt RepaymentsOfSeniorDebt	350000000	USD
	us-gaap	Repayments Of Senior Debt RepaymentsOfSeniorDebt	0	USD
CY2014Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	157600000	USD
CY2015Q3	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	176000000	USD
CY2014Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	613400000	USD
CY2015Q3	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	832700000	USD
CY2014Q3	us-gaap	Revenues Revenues	181700000	USD
	us-gaap	Revenues Revenues	538400000	USD
CY2015Q3	us-gaap	Revenues Revenues	210200000	USD
	us-gaap	Revenues Revenues	607500000	USD
CY2014Q4	us-gaap	Secured Debt SecuredDebt	1333000000	USD
CY2015Q3	us-gaap	Secured Debt SecuredDebt	1532900000	USD
CY2014Q3	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	8700000	USD
	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	27100000	USD
CY2015Q3	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	11900000	USD
	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	34500000	USD
CY2014Q4	us-gaap	Senior Long Term Notes SeniorLongTermNotes	300000000	USD
CY2015Q3	us-gaap	Senior Long Term Notes SeniorLongTermNotes	548300000	USD
CY2014Q3	us-gaap	Share Based Compensation ShareBasedCompensation	1800000	USD
	us-gaap	Share Based Compensation ShareBasedCompensation	9600000	USD
CY2015Q3	us-gaap	Share Based Compensation ShareBasedCompensation	3300000	USD
	us-gaap	Share Based Compensation ShareBasedCompensation	10000000	USD
CY2015Q3	us-gaap	Stock Repurchase Program Remaining Number Of Shares Authorized To Be Repurchased StockRepurchaseProgramRemainingNumberOfSharesAuthorizedToBeRepurchased	324456	shares
	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	1691046	shares
	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	6065	shares
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	218700000	USD
CY2014Q4	us-gaap	Stockholders Equity StockholdersEquity	702200000	USD
CY2015Q3	us-gaap	Stockholders Equity StockholdersEquity	931300000	USD
CY2014Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	21895222	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	22776197	shares
CY2015Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	20952711	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	20949508	shares
CY2014Q3	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	21402969	shares
	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	21978263	shares
CY2015Q3	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	20414667	shares
	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	20413238	shares
CY2014Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	21888591	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	22750868	shares
CY2015Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	20946827	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	20938847	shares
CY2014Q3	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	485622	shares
	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	772605	shares
CY2015Q3	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	532160	shares
	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	525609	shares
	us-gaap	Nature Of Operations NatureOfOperations	<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;">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;">Since 1972, Credit Acceptance 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%;padding-bottom:17px;padding-top:8px;text-align:justify;text-indent:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Substantially all of the Consumer Loans assigned to us are made to consumers with impaired or limited credit histories. The following table shows the percentage of Consumer Loans assigned to us with either FICO® scores below 650 or no FICO® scores:</font></div><div style="line-height:120%;padding-bottom:17px;padding-top:8px;text-align:justify;text-indent:0px;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="13" rowspan="1"></td></tr><tr><td width="44%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></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="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;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 colspan="5" style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">For the Three Months Ended September 30,</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 colspan="5" style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">For the Nine Months Ended September 30,</font></div></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:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Consumer Loan Assignment Volume</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 colspan="2" style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:2px solid #000000;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:2px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </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;border-top:2px solid #000000;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">2014</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 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;">2015</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 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;">2014</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;padding-left:18px;text-indent:-18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Percentage of total unit volume with either FICO® scores below 650 or no FICO® scores</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;">96.0</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;">95.2</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;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">96.1</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;">95.6</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%;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;color:#000000;text-decoration:none;">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 seven quarters:</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:99.80506822612085%;border-collapse:collapse;text-align:left;"><tr><td colspan="7" rowspan="1"></td></tr><tr><td width="70%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" 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;">Quarter Ended</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 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="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </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;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">March 31, 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="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;">91.7</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;">8.3</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><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;">June 30, 2014</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;">91.4</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;">8.6</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;">September 30, 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="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;">90.5</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;">9.5</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><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;">December 31, 2014</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;">89.0</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;">11.0</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;">March 31, 2015</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;">88.6</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;">11.4</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><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;">June 30, 2015</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;">87.7</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;">12.3</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;">September 30, 2015</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;">87.3</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><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;">12.7</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></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></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><div style="line-height:120%;text-align:left;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%;padding-left:4px;text-align:justify;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%;text-align:center;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;color:#000000;text-decoration:none;">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;color:#000000;text-decoration:none;">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;color:#000000;text-decoration:none;">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;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;">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%;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;color:#000000;text-decoration:none;">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 original Consumer Loan contract and supporting documentation, 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%;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:left;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%;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:left;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%;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 may enroll in our program by (1) paying an up-front, one-time fee of </font><font style="font-family:inherit;font-size:10pt;color:#000000;text-decoration:none;">$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;color:#000000;text-decoration:none;">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:</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><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:72px;" 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:48px;"><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:left;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:72px;" 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:48px;"><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:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">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:72px;" 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:48px;"><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:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">independent dealership that meets certain criteria upon enrollment.</font></div></td></tr></table></div>

Files In Submission

Name	View Source	Status
0000885550-15-000069-index-headers.html	Edgar Link	pending
0000885550-15-000069-index.html	Edgar Link	pending
0000885550-15-000069.txt	Edgar Link	pending
0000885550-15-000069-xbrl.zip	Edgar Link	pending
cacc-20150930.xml	Edgar Link	completed
cacc-20150930.xsd	Edgar Link	pending
cacc-20150930x10q.htm	Edgar Link	pending
cacc-20150930xex31a.htm	Edgar Link	pending
cacc-20150930xex31b.htm	Edgar Link	pending
cacc-20150930xex32a.htm	Edgar Link	pending
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$CACC
CREDIT ACCEPTANCE CORP Stock $cacc

2015 Q4 Form 10-Q Financial Statement

#000088555015000069 Filed on November 06, 2015

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$CACC CREDIT ACCEPTANCE CORP Stock $cacc

2015 Q4 Form 10-Q Financial Statement

#000088555015000069 Filed on November 06, 2015

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$CACC
CREDIT ACCEPTANCE CORP Stock $cacc