$CACC
CREDIT ACCEPTANCE CORP Stock $cacc

$cacc Overview Financials Valuation SEC Filings Company Website

2017 Q4 Form 10-Q Financial Statement

#000088555017000069 Filed on October 30, 2017

Income Statement

Concept	2017 Q4	2017 Q3	2016 Q3
Revenue	$287.3M	$283.9M	$246.6M
YoY Change	12.14%	15.13%	17.32%
Cost Of Revenue		$5.500M	$6.600M
YoY Change		-16.67%	-21.43%
Gross Profit		$278.4M	$240.0M
YoY Change		16.0%	18.93%
Gross Profit Margin		98.06%	97.32%
Selling, General & Admin	$66.30M	$28.40M	$23.20M
YoY Change	19.68%	22.41%	6.91%
% of Gross Profit		10.2%	9.67%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$4.200M	$3.900M	$3.900M
YoY Change	10.53%	0.0%	5.41%
% of Gross Profit		1.4%	1.62%
Operating Expenses	$132.7M	$28.40M	$23.20M
YoY Change	50.11%	22.41%	6.91%
Operating Profit		$250.0M	$216.8M
YoY Change		15.31%	20.38%
Interest Expense	-$32.20M	$30.50M	$25.10M
YoY Change	22.9%	21.51%	23.04%
% of Operating Profit		12.2%	11.58%
Other Income/Expense, Net
YoY Change
Pretax Income	$122.4M	$160.1M	$136.5M
YoY Change	-13.56%	17.29%	15.78%
Income Tax	-$154.5M	$59.40M	$50.60M
% Of Pretax Income	-126.23%	37.1%	37.07%
Net Earnings	$177.1M	$100.7M	$85.90M
YoY Change	102.17%	17.23%	16.08%
Net Earnings / Revenue	61.64%	35.47%	34.83%
Basic Earnings Per Share	$9.13	$5.19	$4.22
Diluted Earnings Per Share	$9.10	$5.19	$4.21
COMMON SHARES
Basic Shares Outstanding	19.31M shares	19.41M shares	20.38M shares
Diluted Shares Outstanding		19.42M shares	20.38M shares

Balance Sheet

Concept	2017 Q4	2017 Q3	2016 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments	$8.200M	$4.900M	$5.700M
YoY Change	-43.84%	-14.04%	-95.77%
Cash & Equivalents	$8.200M	$4.900M	$5.700M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets	$10.40M	$10.40M	$11.10M
YoY Change	-38.46%	-6.31%	-91.78%
LONG-TERM ASSETS
Property, Plant & Equipment	$20.50M	$20.30M	$17.70M
YoY Change	12.64%	14.69%	-9.23%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$301.7M	$319.7M	$279.8M
YoY Change	11.74%	14.26%	23.53%
Total Long-Term Assets	$4.975B	$4.817B	$4.082B
YoY Change	18.43%	17.99%	25.96%
TOTAL ASSETS
Total Short-Term Assets	$10.40M	$10.40M	$11.10M
Total Long-Term Assets	$4.975B	$4.817B	$4.082B
Total Assets	$4.986B	$4.827B	$4.093B
YoY Change	18.2%	17.93%	21.26%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable	$151.7M	$140.5M	$133.9M
YoY Change	5.42%	4.93%	7.81%
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	$191.6M	$140.7M	$135.9M
YoY Change	14.39%	3.53%	7.43%
LONG-TERM LIABILITIES
Long-Term Debt	$3.071B	$3.001B	$2.510B
YoY Change	17.94%	19.53%	20.62%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$3.071B	$3.001B	$2.510B
YoY Change	17.94%	19.53%	20.62%
TOTAL LIABILITIES
Total Short-Term Liabilities	$191.6M	$140.7M	$135.9M
Total Long-Term Liabilities	$3.071B	$3.001B	$2.510B
Total Liabilities	$3.450B	$3.475B	$2.927B
YoY Change	13.32%	18.71%	19.76%
SHAREHOLDERS EQUITY
Retained Earnings	$1.390B	$1.213B	$1.035B
YoY Change	33.43%	17.17%	24.34%
Common Stock	$145.7M	$138.6M	$130.0M
YoY Change	10.46%	6.62%	31.98%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$1.536B	$1.352B	$1.166B
YoY Change
Total Liabilities & Shareholders Equity	$4.986B	$4.827B	$4.093B
YoY Change	18.2%	17.93%	21.26%

Cashflow Statement

Concept	2017 Q4	2017 Q3	2016 Q3
OPERATING ACTIVITIES
Net Income	$177.1M	$100.7M	$85.90M
YoY Change	102.17%	17.23%	16.08%
Depreciation, Depletion And Amortization	$4.200M	$3.900M	$3.900M
YoY Change	10.53%	0.0%	5.41%
Cash From Operating Activities	$151.4M	$153.6M	$135.0M
YoY Change	5.36%	13.78%	21.84%
INVESTING ACTIVITIES
Capital Expenditures	-$1.500M	-$1.800M	-$700.0K
YoY Change	-21.05%	157.14%	-30.0%
Acquisitions
YoY Change
Other Investing Activities	-$229.9M	-$193.1M	-$251.9M
YoY Change	175.99%	-23.34%	86.87%
Cash From Investing Activities	-$231.4M	-$194.9M	-$252.6M
YoY Change	171.6%	-22.84%	86.01%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	65.30M	-21.30M	-35.00M
YoY Change	748.05%	-39.14%	-122.1%
NET CHANGE
Cash From Operating Activities	151.4M	153.6M	135.0M
Cash From Investing Activities	-231.4M	-194.9M	-252.6M
Cash From Financing Activities	65.30M	-21.30M	-35.00M
Net Change In Cash	-14.70M	-62.60M	-152.6M
YoY Change	-122.21%	-58.98%	-214.39%
FREE CASH FLOW
Cash From Operating Activities	$151.4M	$153.6M	$135.0M
Capital Expenditures	-$1.500M	-$1.800M	-$700.0K
Free Cash Flow	$152.9M	$155.4M	$135.7M
YoY Change	5.01%	14.52%	21.38%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
	us-gaap	Cash And Cash Equivalents Period Increase Decrease CashAndCashEquivalentsPeriodIncreaseDecrease	-600000	USD
CY2016Q3	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	13700000	USD
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	43400000	USD
CY2017Q3	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	11900000	USD
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	35500000	USD
	cacc	Advances To Dealers AdvancesToDealers	1476400000	USD
	cacc	Advances To Dealers AdvancesToDealers	1467200000	USD
CY2016Q3	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	-6000000	USD
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	-6200000	USD
CY2017Q3	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	5500000	USD
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	22400000	USD
CY2016Q3	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers	1700000	USD
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers	2800000	USD
CY2017Q3	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers	800000	USD
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers	1400000	USD
CY2017Q3	cacc	Debt Instrument Covenant Net Income For Past Two Quarters DebtInstrumentCovenantNetIncomeForPastTwoQuarters	1	USD
CY2016Q3	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	5067	shares
	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	17944	shares
CY2017Q3	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	8201	shares
	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	19499	shares
CY2016Q3	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	1204700000	USD
	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	3542900000	USD
CY2017Q3	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	1230600000	USD
	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	3827100000	USD
CY2016Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	971000000	USD
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	2897800000	USD
CY2017Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	975900000	USD
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	3037600000	USD
CY2016Q3	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	694300000	USD
	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	2065800000	USD
CY2017Q3	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	690600000	USD
	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	2153900000	USD
CY2017Q3	cacc	Maximum Hedging Reserve MaximumHedgingReserve	1000000	USD
	cacc	Monthly Servicing Fee Per Financing MonthlyServicingFeePerFinancing	0.06
CY2016Q3	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	694300000	USD
	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	2065800000	USD
CY2017Q3	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	690600000	USD
	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	2153900000	USD
CY2017Q3	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
CY2016Q3	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	33900000	USD
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	109700000	USD
CY2017Q3	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	32100000	USD
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	100800000	USD
	us-gaap	Gain Loss On Sale Of Property Plant Equipment GainLossOnSaleOfPropertyPlantEquipment	-100000	USD
	us-gaap	Gain Loss On Sale Of Property Plant Equipment GainLossOnSaleOfPropertyPlantEquipment	-100000	USD
	cacc	Percentage Of Collections On Contributed Loans PercentageOfCollectionsOnContributedLoans	0.06
CY2016Q4	cacc	Percentage Of Due From Affiliates PercentageOfDueFromAffiliates	0.000
CY2017Q3	cacc	Percentage Of Due From Affiliates PercentageOfDueFromAffiliates	0.000
	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
CY2016Q4	cacc	Restricted Cash And Cash Equivalents Fair Value Disclosure RestrictedCashAndCashEquivalentsFairValueDisclosure	224700000	USD
CY2017Q3	cacc	Restricted Cash And Cash Equivalents Fair Value Disclosure RestrictedCashAndCashEquivalentsFairValueDisclosure	273600000	USD
	cacc	Revenue From Enrollment And Registration Fees In Program RevenueFromEnrollmentAndRegistrationFeesInProgram	9850	USD
CY2016Q4	cacc	Secured Financing Fair Value Disclosure SecuredFinancingFairValueDisclosure	2072000000	USD
CY2017Q3	cacc	Secured Financing Fair Value Disclosure SecuredFinancingFairValueDisclosure	2348500000	USD
	cacc	Service Fee Income As Percentage Of Collections ServiceFeeIncomeAsPercentageOfCollections	0.2
CY2015Q4	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	2017
	dei	Document Period End Date DocumentPeriodEndDate	2017-09-30
	dei	Document Type DocumentType	10-Q
	dei	Entity Central Index Key EntityCentralIndexKey	0000885550
CY2017Q4	dei	Entity Common Stock Shares Outstanding EntityCommonStockSharesOutstanding	19310211	shares
	dei	Entity Filer Category EntityFilerCategory	Large Accelerated Filer
	dei	Entity Registrant Name EntityRegistrantName	CREDIT ACCEPTANCE CORP
CY2016Q4	us-gaap	Accounts Payable And Accrued Liabilities Current And Noncurrent AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent	143900000	USD
CY2017Q3	us-gaap	Accounts Payable And Accrued Liabilities Current And Noncurrent AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent	140500000	USD
CY2016Q4	us-gaap	Accrued Income Taxes AccruedIncomeTaxes	23600000	USD
CY2017Q3	us-gaap	Accrued Income Taxes AccruedIncomeTaxes	200000	USD
CY2016Q4	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	-200000	USD
CY2017Q3	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	0	USD
CY2016Q4	us-gaap	Additional Paid In Capital Common Stock AdditionalPaidInCapitalCommonStock	131700000	USD
CY2017Q3	us-gaap	Additional Paid In Capital Common Stock AdditionalPaidInCapitalCommonStock	138400000	USD
CY2016Q3	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	1100000	USD
CY2017Q3	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	1300000	USD
CY2016Q3	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	3300000	USD
	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	10700000	USD
CY2017Q3	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	4100000	USD
	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	13500000	USD
CY2016Q3	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	300000	USD
	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	800000	USD
CY2017Q3	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	300000	USD
	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	800000	USD
	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	6800000	USD
	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	7500000	USD
CY2016Q3	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	7368	shares
CY2017Q3	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	250	shares
CY2016Q4	us-gaap	Assets Assets	4218000000	USD
CY2017Q3	us-gaap	Assets Assets	4826900000	USD
CY2016Q3	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	11000000	USD
	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	31900000	USD
CY2017Q3	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	9700000	USD
	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	31600000	USD
CY2016Q4	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	45500000	USD
CY2017Q3	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	46100000	USD
CY2016Q4	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	100000	USD
CY2017Q3	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	100000	USD
CY2016Q4	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	300000	USD
CY2017Q3	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	100000	USD
CY2016Q4	us-gaap	Available For Sale Securities Amortized Cost AvailableForSaleSecuritiesAmortizedCost	45500000	USD
CY2017Q3	us-gaap	Available For Sale Securities Amortized Cost AvailableForSaleSecuritiesAmortizedCost	46100000	USD
CY2016Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	0	USD
CY2017Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	0	USD
CY2016Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss	300000	USD
CY2017Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss	100000	USD
CY2016Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue	33400000	USD
CY2017Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue	26200000	USD
CY2016Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	300000	USD
CY2017Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	100000	USD
CY2016Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue	33400000	USD
CY2017Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue	23700000	USD
CY2016Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue	0	USD
CY2017Q3	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue	2500000	USD
CY2016Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost	2200000	USD
CY2017Q3	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost	600000	USD
CY2016Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	2200000	USD
CY2017Q3	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	600000	USD
CY2016Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost	39300000	USD
CY2017Q3	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost	42500000	USD
CY2016Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	39100000	USD
CY2017Q3	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	42500000	USD
CY2016Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost	2400000	USD
CY2017Q3	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost	2300000	USD
CY2016Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue	2400000	USD
CY2017Q3	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue	2300000	USD
CY2016Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost	1600000	USD
CY2017Q3	us-gaap	Available For Sale Securities Debt Maturities Within One Year Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost	700000	USD
CY2016Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Fair Value AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue	1600000	USD
CY2017Q3	us-gaap	Available For Sale Securities Debt Maturities Within One Year Fair Value AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue	700000	USD
CY2016Q4	us-gaap	Available For Sale Securities Restricted AvailableForSaleSecuritiesRestricted	45300000	USD
CY2017Q3	us-gaap	Available For Sale Securities Restricted AvailableForSaleSecuritiesRestricted	46100000	USD
CY2015Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	6300000	USD
CY2016Q3	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	5700000	USD
CY2016Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	14600000	USD
CY2017Q3	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	4900000	USD
CY2016Q4	us-gaap	Cash And Cash Equivalents Fair Value Disclosure CashAndCashEquivalentsFairValueDisclosure	14600000	USD
CY2017Q3	us-gaap	Cash And Cash Equivalents Fair Value Disclosure CashAndCashEquivalentsFairValueDisclosure	4900000	USD
	us-gaap	Cash And Cash Equivalents Period Increase Decrease CashAndCashEquivalentsPeriodIncreaseDecrease	-9700000	USD
CY2016Q4	us-gaap	Cash Uninsured Amount CashUninsuredAmount	14300000	USD
CY2017Q3	us-gaap	Cash Uninsured Amount CashUninsuredAmount	4600000	USD
CY2015Q4	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	1072800000	USD
CY2016Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	1246500000	USD
CY2016Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	1315500000	USD
CY2016Q4	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	1330700000	USD
CY2017Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	1494800000	USD
CY2017Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	1550400000	USD
CY2016Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	226200000	USD
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	648700000	USD
CY2017Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	261700000	USD
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	755800000	USD
CY2016Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions	276700000	USD
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions	832000000	USD
CY2017Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions	285300000	USD
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions	883700000	USD
CY2016Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications To From Nonaccretable Difference CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsToFromNonaccretableDifference	22800000	USD
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications To From Nonaccretable Difference CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsToFromNonaccretableDifference	62800000	USD
CY2017Q3	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications To From Nonaccretable Difference CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsToFromNonaccretableDifference	25700000	USD
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications To From Nonaccretable Difference CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsToFromNonaccretableDifference	68000000	USD
CY2016Q4	us-gaap	Commitments And Contingencies CommitmentsAndContingencies		USD
CY2017Q3	us-gaap	Commitments And Contingencies CommitmentsAndContingencies		USD
CY2016Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
CY2017Q3	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
CY2016Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	80000000	shares
CY2017Q3	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	80000000	shares
CY2016Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	19877381	shares
CY2017Q3	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	19310346	shares
CY2016Q4	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	19877381	shares
CY2017Q3	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	19310346	shares
CY2016Q4	us-gaap	Common Stock Value CommonStockValue	200000	USD
CY2017Q3	us-gaap	Common Stock Value CommonStockValue	200000	USD
CY2016Q3	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	85800000	USD
	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	245600000	USD
CY2017Q3	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	100700000	USD
	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	293300000	USD
CY2016Q3	us-gaap	Costs And Expenses CostsAndExpenses	110100000	USD
	us-gaap	Costs And Expenses CostsAndExpenses	323400000	USD
CY2017Q3	us-gaap	Costs And Expenses CostsAndExpenses	123800000	USD
	us-gaap	Costs And Expenses CostsAndExpenses	361300000	USD
CY2016Q4	us-gaap	Debt Instrument Face Amount DebtInstrumentFaceAmount	2622100000	USD
CY2017Q3	us-gaap	Debt Instrument Face Amount DebtInstrumentFaceAmount	3020200000	USD
CY2016Q4	us-gaap	Debt Instrument Fair Value DebtInstrumentFairValue	2603700000	USD
CY2017Q3	us-gaap	Debt Instrument Fair Value DebtInstrumentFairValue	3000800000	USD
CY2016Q4	us-gaap	Debt Instrument Unamortized Discount DebtInstrumentUnamortizedDiscount	1600000	USD
CY2017Q3	us-gaap	Debt Instrument Unamortized Discount DebtInstrumentUnamortizedDiscount	1400000	USD
	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	32000000	USD
	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	60500000	USD
CY2016Q4	us-gaap	Deferred Tax Liabilities DeferredTaxLiabilities	273100000	USD
CY2017Q3	us-gaap	Deferred Tax Liabilities DeferredTaxLiabilities	333600000	USD
	us-gaap	Depreciation Depreciation	4700000	USD
	us-gaap	Depreciation Depreciation	4700000	USD
CY2016Q4	us-gaap	Derivative Fair Value Of Derivative Asset Amount Not Offset Against Collateral DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral	0	USD
CY2017Q3	us-gaap	Derivative Fair Value Of Derivative Asset Amount Not Offset Against Collateral DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral	0	USD
CY2016Q4	us-gaap	Due From Affiliates DueFromAffiliates	1400000	USD
CY2017Q3	us-gaap	Due From Affiliates DueFromAffiliates	0	USD
CY2016Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	4.22
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	12.02
CY2017Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	5.19
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	15.01
CY2016Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	4.21
	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	12.01
CY2017Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	5.19
	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	14.99
CY2016Q3	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.371
	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.371
CY2017Q3	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.371
	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.365
CY2016Q3	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.350
	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.35
CY2017Q3	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.350
	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.35
CY2016Q3	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0.000
	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0.000
CY2017Q3	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0.000
	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0.005
CY2016Q3	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.004
	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.003
CY2017Q3	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.002
	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.002
CY2016Q3	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.017
	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.018
CY2017Q3	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.019
	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.018
	us-gaap	Employee Service Share Based Compensation Tax Benefit From Compensation Expense EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense	27200000	USD
	us-gaap	Employee Service Share Based Compensation Tax Benefit From Compensation Expense EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense	2500000	USD
	us-gaap	Excess Tax Benefit From Share Based Compensation Financing Activities ExcessTaxBenefitFromShareBasedCompensationFinancingActivities	27200000	USD
	us-gaap	Excess Tax Benefit From Share Based Compensation Financing Activities ExcessTaxBenefitFromShareBasedCompensationFinancingActivities	0	USD
CY2016Q3	us-gaap	Financial Services Revenue FinancialServicesRevenue	223900000	USD
	us-gaap	Financial Services Revenue FinancialServicesRevenue	641900000	USD
CY2017Q3	us-gaap	Financial Services Revenue FinancialServicesRevenue	259400000	USD
	us-gaap	Financial Services Revenue FinancialServicesRevenue	749200000	USD
CY2016Q3	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	11000000	USD
	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	35700000	USD
CY2017Q3	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	14200000	USD
	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	42100000	USD
CY2016Q3	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	136500000	USD
	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	389600000	USD
CY2017Q3	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	160100000	USD
	us-gaap	Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments	461400000	USD
CY2016Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	50600000	USD
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	144400000	USD
CY2017Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	59400000	USD
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	168300000	USD
CY2016Q4	us-gaap	Income Tax Receivable IncomeTaxReceivable	2300000	USD
CY2017Q3	us-gaap	Income Tax Receivable IncomeTaxReceivable	5500000	USD
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	75200000	USD
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	132100000	USD
	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	-900000	USD
	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	-2800000	USD
	us-gaap	Increase Decrease In Accrued Income Taxes Payable IncreaseDecreaseInAccruedIncomeTaxesPayable	2000000	USD
	us-gaap	Increase Decrease In Accrued Income Taxes Payable IncreaseDecreaseInAccruedIncomeTaxesPayable	-23400000	USD
	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	-4600000	USD
	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	3200000	USD
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-600000	USD
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-1800000	USD
	us-gaap	Increase Decrease In Restricted Cash IncreaseDecreaseInRestrictedCash	65400000	USD
	us-gaap	Increase Decrease In Restricted Cash IncreaseDecreaseInRestrictedCash	48900000	USD
CY2016Q3	us-gaap	Interest Expense InterestExpense	25100000	USD
	us-gaap	Interest Expense InterestExpense	71500000	USD
CY2017Q3	us-gaap	Interest Expense InterestExpense	30500000	USD
	us-gaap	Interest Expense InterestExpense	88000000	USD
	us-gaap	Interest Paid Net InterestPaidNet	73500000	USD
	us-gaap	Interest Paid Net InterestPaidNet	88900000	USD
CY2016Q3	us-gaap	Labor And Related Expense LaborAndRelatedExpense	32400000	USD
	us-gaap	Labor And Related Expense LaborAndRelatedExpense	95200000	USD
CY2017Q3	us-gaap	Labor And Related Expense LaborAndRelatedExpense	33700000	USD
	us-gaap	Labor And Related Expense LaborAndRelatedExpense	101900000	USD
CY2016Q4	us-gaap	Liabilities Liabilities	3044300000	USD
CY2017Q3	us-gaap	Liabilities Liabilities	3475100000	USD
CY2016Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	4218000000	USD
CY2017Q3	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	4826900000	USD
CY2016Q4	us-gaap	Line Of Credit LineOfCredit	0	USD
CY2017Q3	us-gaap	Line Of Credit LineOfCredit	130500000	USD
CY2016Q4	us-gaap	Lines Of Credit Fair Value Disclosure LinesOfCreditFairValueDisclosure	0	USD
CY2017Q3	us-gaap	Lines Of Credit Fair Value Disclosure LinesOfCreditFairValueDisclosure	130500000	USD
CY2015Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	243600000	USD
CY2016Q2	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	276900000	USD
CY2016Q3	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	296800000	USD
CY2016Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	320400000	USD
CY2017Q2	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	354100000	USD
CY2017Q3	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	376200000	USD
CY2015Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	3345100000	USD
CY2016Q2	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	3812000000	USD
CY2016Q3	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	4061200000	USD
CY2016Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	4207000000	USD
CY2017Q2	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	4637700000	USD
CY2017Q3	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	4827600000	USD
CY2016Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	3886600000	USD
CY2017Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	4451400000	USD
CY2016Q4	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	3955900000	USD
CY2017Q3	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	4536900000	USD
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	428900000	USD
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	265000000	USD
	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-793000000	USD
	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-689300000	USD
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	363500000	USD
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	414600000	USD
CY2016Q3	us-gaap	Net Income Loss NetIncomeLoss	85900000	USD
	us-gaap	Net Income Loss NetIncomeLoss	245200000	USD
CY2017Q3	us-gaap	Net Income Loss NetIncomeLoss	100700000	USD
	us-gaap	Net Income Loss NetIncomeLoss	293100000	USD
CY2016Q4	us-gaap	Notes Payable Fair Value Disclosure NotesPayableFairValueDisclosure	560500000	USD
CY2017Q3	us-gaap	Notes Payable Fair Value Disclosure NotesPayableFairValueDisclosure	569000000	USD
	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	1
CY2016Q4	us-gaap	Other Assets OtherAssets	26300000	USD
CY2017Q3	us-gaap	Other Assets OtherAssets	25100000	USD
CY2016Q3	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	-100000	USD
	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	400000	USD
CY2017Q3	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	0	USD
	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	200000	USD
CY2016Q3	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	-100000	USD
	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	400000	USD
CY2017Q3	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	0	USD
	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	200000	USD
CY2016Q3	us-gaap	Other Income OtherIncome	12000000	USD
	us-gaap	Other Income OtherIncome	38700000	USD
CY2017Q3	us-gaap	Other Income OtherIncome	14200000	USD
	us-gaap	Other Income OtherIncome	42600000	USD
	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	40800000	USD
	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	123500000	USD
	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	6300000	USD
	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	9100000	USD
	us-gaap	Payments To Acquire Available For Sale Securities PaymentsToAcquireAvailableForSaleSecurities	28300000	USD
	us-gaap	Payments To Acquire Available For Sale Securities PaymentsToAcquireAvailableForSaleSecurities	28000000	USD
	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	589400000	USD
	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	686700000	USD
	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	3600000	USD
	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	6900000	USD
CY2016Q3	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	6600000	USD
	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	20400000	USD
CY2017Q3	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	5500000	USD
	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	17600000	USD
CY2016Q4	us-gaap	Preferred Stock Par Or Stated Value Per Share PreferredStockParOrStatedValuePerShare	0.01
CY2017Q3	us-gaap	Preferred Stock Par Or Stated Value Per Share PreferredStockParOrStatedValuePerShare	0.01
CY2016Q4	us-gaap	Preferred Stock Shares Authorized PreferredStockSharesAuthorized	1000000	shares
CY2017Q3	us-gaap	Preferred Stock Shares Authorized PreferredStockSharesAuthorized	1000000	shares
CY2016Q4	us-gaap	Preferred Stock Shares Issued PreferredStockSharesIssued	0	shares
CY2017Q3	us-gaap	Preferred Stock Shares Issued PreferredStockSharesIssued	0	shares
CY2016Q4	us-gaap	Preferred Stock Value PreferredStockValue	0	USD
CY2017Q3	us-gaap	Preferred Stock Value PreferredStockValue	0	USD
CY2016Q3	us-gaap	Premiums Earned Net PremiumsEarnedNet	10700000	USD
	us-gaap	Premiums Earned Net PremiumsEarnedNet	32400000	USD
CY2017Q3	us-gaap	Premiums Earned Net PremiumsEarnedNet	10300000	USD
	us-gaap	Premiums Earned Net PremiumsEarnedNet	30900000	USD
CY2016Q3	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	489800000	USD
	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	1493200000	USD
CY2017Q3	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	541100000	USD
	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	1657400000	USD
	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	1433300000	USD
	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	1664500000	USD
	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	1280800000	USD
	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	3076700000	USD
	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	4500000	USD
	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	4300000	USD
	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	7000000	USD
	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	-600000	USD
	us-gaap	Proceeds From Sale And Maturity Of Available For Sale Securities ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities	25500000	USD
	us-gaap	Proceeds From Sale And Maturity Of Available For Sale Securities ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities	23000000	USD
CY2016Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	18200000	USD
CY2017Q3	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	20300000	USD
CY2016Q3	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	22800000	USD
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	62800000	USD
CY2017Q3	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	25700000	USD
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	68000000	USD
	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	1253300000	USD
	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	2946200000	USD
	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	1019000000	USD
	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	1396800000	USD
CY2016Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	224700000	USD
CY2017Q3	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	273600000	USD
CY2016Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	1042000000	USD
CY2017Q3	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	1213200000	USD
CY2016Q3	us-gaap	Revenues Revenues	246600000	USD
	us-gaap	Revenues Revenues	713000000	USD
CY2017Q3	us-gaap	Revenues Revenues	283900000	USD
	us-gaap	Revenues Revenues	822700000	USD
CY2016Q4	us-gaap	Secured Debt SecuredDebt	2062400000	USD
CY2017Q3	us-gaap	Secured Debt SecuredDebt	2327900000	USD
CY2016Q3	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	12200000	USD
	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	37800000	USD
CY2017Q3	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	14200000	USD
	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	43700000	USD
CY2016Q4	us-gaap	Senior Long Term Notes SeniorLongTermNotes	541300000	USD
CY2017Q3	us-gaap	Senior Long Term Notes SeniorLongTermNotes	542400000	USD
CY2016Q3	us-gaap	Share Based Compensation ShareBasedCompensation	1800000	USD
	us-gaap	Share Based Compensation ShareBasedCompensation	5600000	USD
CY2017Q3	us-gaap	Share Based Compensation ShareBasedCompensation	2900000	USD
	us-gaap	Share Based Compensation ShareBasedCompensation	8300000	USD
CY2017Q3	us-gaap	Stock Repurchase Program Remaining Number Of Shares Authorized To Be Repurchased StockRepurchaseProgramRemainingNumberOfSharesAuthorizedToBeRepurchased	776208	shares
	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	215968	shares
	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	610260	shares
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	40800000	USD
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	123500000	USD
CY2016Q4	us-gaap	Stockholders Equity StockholdersEquity	1173700000	USD
CY2017Q3	us-gaap	Stockholders Equity StockholdersEquity	1351800000	USD
CY2016Q4	us-gaap	Unamortized Debt Issuance Expense UnamortizedDebtIssuanceExpense	16800000	USD
CY2017Q3	us-gaap	Unamortized Debt Issuance Expense UnamortizedDebtIssuanceExpense	18000000	USD
CY2016Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	20384624	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	20415981	shares
CY2017Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	19415545	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	19547674	shares
CY2016Q3	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	20159197	shares
	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	20116250	shares
CY2017Q3	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	19150749	shares
	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	19277014	shares
CY2016Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	20379557	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	20398037	shares
CY2017Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	19407344	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	19528175	shares
CY2016Q3	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	220360	shares
	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	281787	shares
CY2017Q3	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	256595	shares
	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	251161	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 financing programs that enable automobile dealers 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 financing programs, but who actually end up qualifying for traditional financing.</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;">Without our financing programs, consumers are often unable to purchase vehicles or they purchase unreliable ones.  Further, as we report to the three national credit reporting agencies, an important ancillary benefit of our programs is that we provide consumers with an opportunity to improve their lives by improving their credit score and move on to more traditional sources of financing.</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;">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</font><font style="font-family:inherit;font-size:10pt;"><sup style="vertical-align:top;line-height:120%;font-size:7pt">®</sup></font><font style="font-family:inherit;font-size:10pt;"> scores below 650 or no FICO</font><font style="font-family:inherit;font-size:10pt;"><sup style="vertical-align:top;line-height:120%;font-size:7pt">®</sup></font><font style="font-family:inherit;font-size:10pt;"> scores:</font><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:98.635477582846%;border-collapse:collapse;text-align:left;"><tr><td colspan="13" rowspan="1"></td></tr><tr><td style="width:42%;" rowspan="1" colspan="1"></td><td style="width:1%;" rowspan="1" colspan="1"></td><td style="width:13%;" rowspan="1" colspan="1"></td><td style="width:1%;" rowspan="1" colspan="1"></td><td style="width:1%;" rowspan="1" colspan="1"></td><td style="width:13%;" rowspan="1" colspan="1"></td><td style="width:1%;" rowspan="1" colspan="1"></td><td style="width:1%;" rowspan="1" colspan="1"></td><td style="width:13%;" rowspan="1" colspan="1"></td><td style="width:1%;" rowspan="1" colspan="1"></td><td style="width:1%;" rowspan="1" colspan="1"></td><td style="width:11%;" rowspan="1" colspan="1"></td><td style="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;">2017</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;">2016</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;">2017</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;">2016</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</font><font style="font-family:inherit;font-size:10pt;"><sup style="vertical-align:top;line-height:120%;font-size:7pt">®</sup></font><font style="font-family:inherit;font-size:10pt;"> scores below 650 or no FICO</font><font style="font-family:inherit;font-size:10pt;"><sup style="vertical-align:top;line-height:120%;font-size:7pt">®</sup></font><font style="font-family:inherit;font-size:10pt;"> 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;">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;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;">95.4</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;">95.7</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;">95.9</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 as Dealer Loans and Purchased Loans for each of the last seven quarters:</font></div><div style="line-height:120%;padding-bottom:9px;text-align:left;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:684px;border-collapse:collapse;text-align:left;"><tr><td colspan="13" rowspan="1"></td></tr><tr><td style="width:268px;" rowspan="1" colspan="1"></td><td style="width:5px;" rowspan="1" colspan="1"></td><td style="width:87px;" rowspan="1" colspan="1"></td><td style="width:11px;" rowspan="1" colspan="1"></td><td style="width:5px;" rowspan="1" colspan="1"></td><td style="width:87px;" rowspan="1" colspan="1"></td><td style="width:11px;" rowspan="1" colspan="1"></td><td style="width:5px;" rowspan="1" colspan="1"></td><td style="width:87px;" rowspan="1" colspan="1"></td><td style="width:11px;" rowspan="1" colspan="1"></td><td style="width:5px;" rowspan="1" colspan="1"></td><td style="width:87px;" rowspan="1" colspan="1"></td><td style="width:11px;" 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="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;">Unit 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="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;">Dollar Volume (1)</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:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Three Months 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;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;">Dealer Loans</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;">Purchased Loans</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;">Dealer Loans</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;">Purchased Loans</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, 2016</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;">82.4</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;">17.6</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;">75.6</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;">24.4</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;">June 30, 2016</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;">77.8</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;">22.2</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;">69.8</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;">30.2</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, 2016</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;">76.2</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;">23.8</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;">68.5</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;">31.5</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, 2016</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;">76.9</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;">23.1</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;">71.1</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;">28.9</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, 2017</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;">73.3</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;">26.7</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;">67.8</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;">32.2</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, 2017</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;">72.3</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><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;">27.7</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;">67.9</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;">32.1</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, 2017</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;">71.9</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;">28.1</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;">68.6</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;">31.4</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></table></div></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:37px;" 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:8pt;padding-left:13px;"><font style="font-family:inherit;font-size:8pt;">(1)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Represents advances paid to Dealers on Consumer Loans assigned under our Portfolio Program and one-time payments made to Dealers to purchase Consumer Loans assigned under our Purchase Program.  Payments of Dealer Holdback and accelerated Dealer Holdback are not included.</font></div></td></tr></table><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:8pt;"><font style="font-family:inherit;font-size:8pt;"> </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:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </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:8pt;"><font style="font-family:inherit;font-size:8pt;"> </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 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%;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 Portfolio 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. Access to the Purchase Program 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 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
0000885550-17-000069-index-headers.html	Edgar Link	pending
0000885550-17-000069-index.html	Edgar Link	pending
0000885550-17-000069.txt	Edgar Link	pending
0000885550-17-000069-xbrl.zip	Edgar Link	pending
cacc-20170930.xml	Edgar Link	completed
cacc-20170930.xsd	Edgar Link	pending
cacc-20170930x10q.htm	Edgar Link	pending
cacc-20170930xex1019.htm	Edgar Link	pending
cacc-20170930xex31a.htm	Edgar Link	pending
cacc-20170930xex31b.htm	Edgar Link	pending
cacc-20170930xex32a.htm	Edgar Link	pending
cacc-20170930xex32b.htm	Edgar Link	pending
cacc-20170930xex494.htm	Edgar Link	pending
cacc-20170930xex495.htm	Edgar Link	pending
cacc-20170930_cal.xml	Edgar Link	unprocessable
cacc-20170930_def.xml	Edgar Link	unprocessable
cacc-20170930_lab.xml	Edgar Link	unprocessable
cacc-20170930_pre.xml	Edgar Link	unprocessable
FilingSummary.xml	Edgar Link	unprocessable
Financial_Report.xlsx	Edgar Link	pending
R1.htm	Edgar Link	pending
R10.htm	Edgar Link	pending
R11.htm	Edgar Link	pending
R12.htm	Edgar Link	pending
R13.htm	Edgar Link	pending
R14.htm	Edgar Link	pending
R15.htm	Edgar Link	pending
R16.htm	Edgar Link	pending
R17.htm	Edgar Link	pending
R18.htm	Edgar Link	pending
R19.htm	Edgar Link	pending
R2.htm	Edgar Link	pending
R20.htm	Edgar Link	pending
R21.htm	Edgar Link	pending
R22.htm	Edgar Link	pending
R23.htm	Edgar Link	pending
R24.htm	Edgar Link	pending
R25.htm	Edgar Link	pending
R26.htm	Edgar Link	pending
R27.htm	Edgar Link	pending
R28.htm	Edgar Link	pending
R29.htm	Edgar Link	pending
R3.htm	Edgar Link	pending
R30.htm	Edgar Link	pending
R31.htm	Edgar Link	pending
R32.htm	Edgar Link	pending
R33.htm	Edgar Link	pending
R34.htm	Edgar Link	pending
R35.htm	Edgar Link	pending
R36.htm	Edgar Link	pending
R37.htm	Edgar Link	pending
R38.htm	Edgar Link	pending
R39.htm	Edgar Link	pending
R4.htm	Edgar Link	pending
R40.htm	Edgar Link	pending
R41.htm	Edgar Link	pending
R42.htm	Edgar Link	pending
R43.htm	Edgar Link	pending
R44.htm	Edgar Link	pending
R45.htm	Edgar Link	pending
R46.htm	Edgar Link	pending
R47.htm	Edgar Link	pending
R48.htm	Edgar Link	pending
R49.htm	Edgar Link	pending
R5.htm	Edgar Link	pending
R50.htm	Edgar Link	pending
R51.htm	Edgar Link	pending
R52.htm	Edgar Link	pending
R53.htm	Edgar Link	pending
R54.htm	Edgar Link	pending
R55.htm	Edgar Link	pending
R56.htm	Edgar Link	pending
R57.htm	Edgar Link	pending
R58.htm	Edgar Link	pending
R59.htm	Edgar Link	pending
R6.htm	Edgar Link	pending
R60.htm	Edgar Link	pending
R61.htm	Edgar Link	pending
R62.htm	Edgar Link	pending
R63.htm	Edgar Link	pending
R64.htm	Edgar Link	pending
R65.htm	Edgar Link	pending
R66.htm	Edgar Link	pending
R67.htm	Edgar Link	pending
R7.htm	Edgar Link	pending
R8.htm	Edgar Link	pending
R9.htm	Edgar Link	pending
report.css	Edgar Link	pending
Show.js	Edgar Link	pending

Create your account

Find Stocks Worth Researching

Deeply Understand Businesses

Value Businesses Intelligently

$CACC
CREDIT ACCEPTANCE CORP Stock $cacc

2017 Q4 Form 10-Q Financial Statement

#000088555017000069 Filed on October 30, 2017

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$CACC CREDIT ACCEPTANCE CORP Stock $cacc

2017 Q4 Form 10-Q Financial Statement

#000088555017000069 Filed on October 30, 2017

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$CACC
CREDIT ACCEPTANCE CORP Stock $cacc