$CACC
CREDIT ACCEPTANCE CORP Stock $cacc

$cacc Overview Financials Valuation SEC Filings Company Website

2019 Q2 Form 10-Q Financial Statement

#000088555019000063 Filed on July 30, 2019

Income Statement

Concept	2019 Q2	2018 Q2	2018 Q1
Revenue	$370.6M	$315.4M	$295.6M
YoY Change	17.5%	14.28%	12.48%
Cost Of Revenue	$8.300M	$7.300M	$5.200M
YoY Change	13.7%	19.67%	-13.33%
Gross Profit	$362.3M	$308.1M	$290.4M
YoY Change	17.59%	14.15%	13.08%
Gross Profit Margin	97.76%	97.69%	98.24%
Selling, General & Admin	$34.50M	$29.90M	$32.30M
YoY Change	15.38%	5.28%	11.38%
% of Gross Profit	9.52%	9.7%	11.12%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$5.600M	$4.700M	$1.300M
YoY Change	19.15%	11.9%	-18.75%
% of Gross Profit	1.55%	1.53%	0.45%
Operating Expenses	$34.50M	$29.90M	$32.30M
YoY Change	15.38%	5.28%	11.38%
Operating Profit	$327.8M	$278.2M	$258.1M
YoY Change	17.83%	15.2%	13.3%
Interest Expense	$49.80M	$38.70M	$34.50M
YoY Change	28.68%	29.43%	25.0%
% of Operating Profit	15.19%	13.91%	13.37%
Other Income/Expense, Net
YoY Change
Pretax Income	$215.3M	$198.0M	$157.7M
YoY Change	8.74%	26.03%	9.36%
Income Tax	$50.90M	$47.00M	$37.60M
% Of Pretax Income	23.64%	23.74%	23.84%
Net Earnings	$164.4M	$151.0M	$120.1M
YoY Change	8.87%	52.37%	28.72%
Net Earnings / Revenue	44.36%	47.88%	40.63%
Basic Earnings Per Share	$8.68	$7.76	$6.18
Diluted Earnings Per Share	$8.68	$7.75	$6.17
COMMON SHARES
Basic Shares Outstanding	18.94M shares	19.47M shares	19.44M shares
Diluted Shares Outstanding	18.95M shares	19.47M shares	19.47M shares

Balance Sheet

Concept	2019 Q2	2018 Q2	2018 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments	$19.70M	$55.70M	$11.50M
YoY Change	-64.63%	104.78%	3.6%
Cash & Equivalents	$19.70M	$55.70M	$11.50M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets	$41.50M	$81.30M	$14.00M
YoY Change	-48.95%	128.37%	-2.1%
LONG-TERM ASSETS
Property, Plant & Equipment	$53.10M	$23.10M	$20.40M
YoY Change	129.87%	15.5%	3.03%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$390.3M	$392.4M	$419.8M
YoY Change	-0.54%	8.88%	15.52%
Total Long-Term Assets	$6.867B	$5.793B	$5.520B
YoY Change	18.54%	23.46%	21.52%
TOTAL ASSETS
Total Short-Term Assets	$41.50M	$81.30M	$14.00M
Total Long-Term Assets	$6.867B	$5.793B	$5.520B
Total Assets	$6.909B	$5.874B	$5.534B
YoY Change	17.61%	24.25%	21.45%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable	$199.9M	$172.5M	$168.9M
YoY Change	15.88%	22.86%	19.53%
Accrued Expenses	$3.500M
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	$203.6M	$172.7M	$224.5M
YoY Change	17.89%	22.83%	28.87%
LONG-TERM LIABILITIES
Long-Term Debt	$4.223B	$3.666B	$3.446B
YoY Change	15.19%	21.61%	18.62%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$4.223B	$3.666B	$3.446B
YoY Change	15.19%	21.61%	18.62%
TOTAL LIABILITIES
Total Short-Term Liabilities	$203.6M	$172.7M	$224.5M
Total Long-Term Liabilities	$4.223B	$3.666B	$3.446B
Total Liabilities	$4.693B	$4.065B	$3.877B
YoY Change	15.46%	16.82%	14.28%
SHAREHOLDERS EQUITY
Retained Earnings	$2.061B	$1.660B	$1.509B
YoY Change	24.11%	49.24%	46.38%
Common Stock	$153.9M	$149.9M	$147.9M
YoY Change	2.67%	10.46%	11.37%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$2.215B	$1.810B	$1.657B
YoY Change
Total Liabilities & Shareholders Equity	$6.909B	$5.874B	$5.534B
YoY Change	17.61%	24.25%	21.45%

Cashflow Statement

Concept	2019 Q2	2018 Q2	2018 Q1
OPERATING ACTIVITIES
Net Income	$164.4M	$151.0M	$120.1M
YoY Change	8.87%	52.37%	28.72%
Depreciation, Depletion And Amortization	$5.600M	$4.700M	$1.300M
YoY Change	19.15%	11.9%	-18.75%
Cash From Operating Activities	$170.9M	$102.6M	$207.4M
YoY Change	66.57%	3.53%	28.1%
INVESTING ACTIVITIES
Capital Expenditures	-$11.60M	-$4.000M	$1.200M
YoY Change	190.0%	110.53%	-62.5%
Acquisitions
YoY Change
Other Investing Activities	-$254.6M	-$299.9M	-$459.1M
YoY Change	-15.11%	77.25%	69.28%
Cash From Investing Activities	-$266.2M	-$303.9M	-$460.3M
YoY Change	-12.41%	77.62%	67.75%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net			$2.000M
YoY Change			-98.11%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	-15.40M	215.0M	$369.1M
YoY Change	-107.16%	152.05%	83.63%
NET CHANGE
Cash From Operating Activities	170.9M	102.6M	$207.4M
Cash From Investing Activities	-266.2M	-303.9M	-$460.3M
Cash From Financing Activities	-15.40M	215.0M	$369.1M
Net Change In Cash	-110.7M	13.70M	$116.2M
YoY Change	-908.03%	3.01%	31.3%
FREE CASH FLOW
Cash From Operating Activities	$170.9M	$102.6M	$207.4M
Capital Expenditures	-$11.60M	-$4.000M	$1.200M
Free Cash Flow	$182.5M	$106.6M	$206.2M
YoY Change	71.2%	5.54%	29.93%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
	dei	Amendment Flag AmendmentFlag	false
	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	Q2
	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2019
	dei	Entity Central Index Key EntityCentralIndexKey	0000885550
CY2018Q2	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
CY2019Q2	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
CY2018Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
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CY2018Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	80000000	shares
CY2019Q2	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	80000000	shares
CY2018Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	18972558	shares
CY2019Q2	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	18796876	shares
CY2018Q4	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	18972558	shares
CY2019Q2	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	18796876	shares
CY2018Q4	us-gaap	Derivative Fair Value Of Derivative Asset Amount Not Offset Against Collateral DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral	0	USD
CY2018Q4	us-gaap	Due From Affiliates DueFromAffiliates	0	USD
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CY2019Q2	us-gaap	Preferred Stock Shares Issued PreferredStockSharesIssued	0	shares
	dei	Document Type DocumentType	10-Q
	dei	Document Quarterly Report DocumentQuarterlyReport	true
	dei	Document Period End Date DocumentPeriodEndDate	2019-06-30
	dei	Document Transition Report DocumentTransitionReport	false
	dei	Entity File Number EntityFileNumber	000-20202
	dei	Entity Registrant Name EntityRegistrantName	CREDIT ACCEPTANCE CORP
	dei	Entity Incorporation State Country Code EntityIncorporationStateCountryCode	MI
	dei	Entity Tax Identification Number EntityTaxIdentificationNumber	38-1999511
	dei	Entity Address Address Line1 EntityAddressAddressLine1	25505 W. Twelve Mile Road
	dei	Entity Address City Or Town EntityAddressCityOrTown	Southfield,
	dei	Entity Address State Or Province EntityAddressStateOrProvince	MI
	dei	Entity Address Postal Zip Code EntityAddressPostalZipCode	48034-8339
	dei	City Area Code CityAreaCode	248
	dei	Local Phone Number LocalPhoneNumber	353-2700
	dei	Security12b Title Security12bTitle	Common Stock, $0.01 par value
	dei	Trading Symbol TradingSymbol	CACC
	dei	Security Exchange Name SecurityExchangeName	NASDAQ
	dei	Entity Current Reporting Status EntityCurrentReportingStatus	Yes
	dei	Entity Interactive Data Current EntityInteractiveDataCurrent	Yes
	dei	Entity Filer Category EntityFilerCategory	Large Accelerated Filer
	dei	Entity Small Business EntitySmallBusiness	false
	dei	Entity Emerging Growth Company EntityEmergingGrowthCompany	false
	dei	Entity Shell Company EntityShellCompany	false
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CY2019Q2	us-gaap	Secured Debt SecuredDebt	3233000000.0	USD
CY2018Q4	us-gaap	Secured Debt SecuredDebt	3092700000	USD
CY2019Q2	us-gaap	Senior Long Term Notes SeniorLongTermNotes	939600000	USD
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CY2019Q2	us-gaap	Commitments And Contingencies CommitmentsAndContingencies		USD
CY2018Q4	us-gaap	Commitments And Contingencies CommitmentsAndContingencies		USD
CY2019Q2	us-gaap	Preferred Stock Value PreferredStockValue	0	USD
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	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	270700000	USD
CY2019Q1	us-gaap	Stockholders Equity StockholdersEquity	2048900000	USD
CY2019Q2	us-gaap	Net Income Loss NetIncomeLoss	164400000	USD
CY2019Q2	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	500000	USD
CY2019Q2	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	1500000	USD
CY2019Q2	us-gaap	Stockholders Equity StockholdersEquity	2215300000	USD
CY2018Q1	us-gaap	Stockholders Equity StockholdersEquity	1656700000	USD
CY2018Q2	us-gaap	Net Income Loss NetIncomeLoss	151000000.0	USD
CY2018Q2	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	-100000	USD
CY2018Q2	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	2000000.0	USD
CY2018Q2	us-gaap	Stockholders Equity StockholdersEquity	1809600000	USD
CY2018Q4	us-gaap	Stockholders Equity StockholdersEquity	1990900000	USD
	us-gaap	Net Income Loss NetIncomeLoss	328800000	USD
	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	1100000	USD
	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	3700000	USD
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	109200000	USD
CY2019Q2	us-gaap	Stockholders Equity StockholdersEquity	2215300000	USD
CY2017Q4	us-gaap	Stockholders Equity StockholdersEquity	1535800000	USD
	us-gaap	Net Income Loss NetIncomeLoss	271100000	USD
	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	-400000	USD
	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	5100000	USD
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	2000000.0	USD
CY2018Q2	us-gaap	Stockholders Equity StockholdersEquity	1809600000	USD
	us-gaap	Net Income Loss NetIncomeLoss	328800000	USD
	us-gaap	Net Income Loss NetIncomeLoss	271100000	USD
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	29900000	USD
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	25200000	USD
	us-gaap	Depreciation Depreciation	3400000	USD
	us-gaap	Depreciation Depreciation	2600000	USD
	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	7300000	USD
	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	6300000	USD
	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	30000000.0	USD
	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	38900000	USD
	us-gaap	Share Based Compensation ShareBasedCompensation	3700000	USD
	us-gaap	Share Based Compensation ShareBasedCompensation	5100000	USD
	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	10900000	USD
	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	22700000	USD
	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	13900000	USD
	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	23400000	USD
	us-gaap	Increase Decrease In Accrued Income Taxes Payable IncreaseDecreaseInAccruedIncomeTaxesPayable	-2300000	USD
	us-gaap	Increase Decrease In Accrued Income Taxes Payable IncreaseDecreaseInAccruedIncomeTaxesPayable	-39700000	USD
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-2800000	USD
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-1200000	USD
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	400600000	USD
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	310000000.0	USD
	us-gaap	Payments To Acquire Available For Sale Securities PaymentsToAcquireAvailableForSaleSecurities	24800000	USD
	us-gaap	Payments To Acquire Available For Sale Securities PaymentsToAcquireAvailableForSaleSecurities	28400000	USD
	us-gaap	Proceeds From Sale And Maturity Of Available For Sale Securities ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities	17100000	USD
	us-gaap	Proceeds From Sale And Maturity Of Available For Sale Securities ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities	13000000.0	USD
	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	6200000	USD
	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	6400000	USD
	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	1508600000	USD
	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	1301700000	USD
	cacc	Advances To Dealers AdvancesToDealers	1327800000	USD
	cacc	Advances To Dealers AdvancesToDealers	1313500000	USD
	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	732800000	USD
	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	642700000	USD
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	28000000.0	USD
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	29400000	USD
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	70600000	USD
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	66100000	USD
	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	16300000	USD
	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	5200000	USD
	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-668400000	USD
	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-764200000	USD
	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	2120600000	USD
	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	1051400000	USD
	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	1900000000.0	USD
	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	1433200000	USD
	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	2254100000	USD
	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	1447100000	USD
	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	913500000	USD
	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	1288800000	USD
	us-gaap	Proceeds From Issuance Of Senior Long Term Debt ProceedsFromIssuanceOfSeniorLongTermDebt	400000000.0	USD
	us-gaap	Proceeds From Issuance Of Senior Long Term Debt ProceedsFromIssuanceOfSeniorLongTermDebt	0	USD
	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	10700000	USD
	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	9300000	USD
	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	109200000	USD
	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	2000000.0	USD
	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	2500000	USD
	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	-1900000	USD
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	287000000.0	USD
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	584100000	USD
	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	19200000	USD
	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	129900000	USD
CY2018Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	329300000	USD
CY2017Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	263800000	USD
CY2019Q2	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	348500000	USD
CY2018Q2	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	393700000	USD
	us-gaap	Interest Paid Net InterestPaidNet	79100000	USD
	us-gaap	Interest Paid Net InterestPaidNet	65800000	USD
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	76400000	USD
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	105700000	USD
	us-gaap	Nature Of Operations NatureOfOperations	DESCRIPTION OF BUSINESS<div style="line-height:120%;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;"> </span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span 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.</span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;"> </span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span 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.</span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;"> </span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span 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.</span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;"> </span></div><div style="line-height:120%;text-align:justify;text-indent:0px;font-size:10pt;"><span 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</span><span style="font-family:inherit;font-size:10pt;"><sup style="vertical-align:top;line-height:120%;font-size:7pt">®</sup></span><span style="font-family:inherit;font-size:10pt;"> scores below 650 or no FICO</span><span style="font-family:inherit;font-size:10pt;"><sup style="vertical-align:top;line-height:120%;font-size:7pt">®</sup></span><span style="font-family:inherit;font-size:10pt;"> scores:</span><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="13"/></tr><tr><td style="width:42%;"/><td style="width:1%;"/><td style="width:13%;"/><td style="width:1%;"/><td style="width:1%;"/><td style="width:13%;"/><td style="width:1%;"/><td style="width:1%;"/><td style="width:12%;"/><td style="width:1%;"/><td style="width:1%;"/><td style="width:12%;"/><td style="width:1%;"/></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td colspan="5" style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:center;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;font-weight:bold;">For the Three Months Ended June 30,</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td colspan="5" style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:center;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;font-weight:bold;">For the Six Months Ended June 30,</span></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;"><div style="text-align:left;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;font-weight:bold;">Consumer Loan Assignment Volume</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></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;"><div style="text-align:center;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;font-weight:bold;">2019</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:2px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></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;"><div style="text-align:center;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;font-weight:bold;">2018</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></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;"><div style="text-align:center;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;font-weight:bold;">2019</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:2px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></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;"><div style="text-align:center;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;font-weight:bold;">2018</span></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;padding-left:18px;text-indent:-18px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Percentage of total unit volume with either FICO</span><span style="font-family:inherit;font-size:10pt;"><sup style="vertical-align:top;line-height:120%;font-size:7pt">®</sup></span><span style="font-family:inherit;font-size:10pt;"> scores below 650 or no FICO</span><span style="font-family:inherit;font-size:10pt;"><sup style="vertical-align:top;line-height:120%;font-size:7pt">®</sup></span><span style="font-family:inherit;font-size:10pt;"> scores</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:2px solid #000000;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>95.7</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:2px solid #000000;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:2px solid #000000;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>95.3</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:2px solid #000000;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:2px solid #000000;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>96.2</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:2px solid #000000;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:2px solid #000000;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>95.9</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:2px solid #000000;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td></tr></table></div><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;padding-bottom:17px;padding-top:8px;text-align:justify;text-indent:24px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">We have </span><span style="font-family:inherit;font-size:10pt;"><span>two</span></span><span 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 six quarters:</span></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:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="13"/></tr><tr><td style="width:40%;"/><td style="width:1%;"/><td style="width:13%;"/><td style="width:1%;"/><td style="width:1%;"/><td style="width:13%;"/><td style="width:1%;"/><td style="width:1%;"/><td style="width:13%;"/><td style="width:1%;"/><td style="width:1%;"/><td style="width:13%;"/><td style="width:1%;"/></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td colspan="5" style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:center;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;font-weight:bold;">Unit Volume</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td colspan="5" style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:center;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;font-weight:bold;">Dollar Volume (1)</span></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;"><div style="text-align:center;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;font-weight:bold;">Three Months Ended</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></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;"><div style="text-align:center;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;font-weight:bold;">Dealer Loans</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:2px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></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;"><div style="text-align:center;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;font-weight:bold;">Purchased Loans</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></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;"><div style="text-align:center;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;font-weight:bold;">Dealer Loans</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:2px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></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;"><div style="text-align:center;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;font-weight:bold;">Purchased Loans</span></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">March 31, 2018</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>70.1</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>29.9</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>67.4</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>32.6</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">June 30, 2018</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>69.7</span></span></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>30.3</span></span></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>66.8</span></span></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>33.2</span></span></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">September 30, 2018</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>69.5</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>30.5</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>67.0</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>33.0</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">December 31, 2018</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>69.4</span></span></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>30.6</span></span></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>67.4</span></span></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>32.6</span></span></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">March 31, 2019</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>67.4</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>32.6</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>65.0</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>35.0</span></span></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">June 30, 2019</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>66.7</span></span></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>33.3</span></span></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>63.7</span></span></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"> </span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><span>36.3</span></span></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">%</span></div></td></tr></table></div><span style="font-family:inherit;font-size:10pt;"><br/></span></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:37px;"/><td/></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:8pt;padding-left:13px;"><span style="font-family:inherit;font-size:8pt;">(1)</span></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:8pt;"><span 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 (as defined below) and accelerated Dealer Holdback are not included.</span></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:left;text-indent:24px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;text-decoration:underline;">Portfolio Program</span></div><div style="line-height:120%;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;"> </span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">As payment for the vehicle, the Dealer generally receives the following:</span></div><div style="line-height:120%;padding-left:4px;text-align:justify;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;font-weight:bold;"> </span></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;"/><td/></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><span style="font-family:inherit;font-size:10pt;">•</span></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">a down payment from the consumer;</span></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;"/><td/></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><span style="font-family:inherit;font-size:10pt;">•</span></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">a non-recourse cash payment (“advance”) from us; and</span></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;"/><td/></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><span style="font-family:inherit;font-size:10pt;">•</span></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">after the advance balance (cash advance and related Dealer Loan fees and costs) 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”).</span></div></td></tr></table><div style="line-height:120%;text-align:center;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span 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 </span><span style="font-family:inherit;font-size:10pt;"><span>100</span></span><span style="font-family:inherit;font-size:10pt;"> Consumer Loans. Unless we receive a request from the Dealer to keep a pool open, we automatically close a pool containing </span><span style="font-family:inherit;font-size:10pt;"><span>100</span></span><span style="font-family:inherit;font-size:10pt;"> Consumer Loans and assign subsequent advances 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 with respect to the Dealer Loans by obtaining control or taking possession of the Consumer Loans, which list us as lien holder on the vehicle title.</span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span 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:</span></div><div style="line-height:120%;font-size:8pt;"><span style="font-family:inherit;font-size:8pt;"> </span></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;"/><td/></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><span style="font-family:inherit;font-size:10pt;">•</span></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">first, to reimburse us for certain collection costs;</span></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;"/><td/></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><span style="font-family:inherit;font-size:10pt;">•</span></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">second, to pay us our servicing fee, which generally equals </span><span style="font-family:inherit;font-size:10pt;"><span>20%</span></span><span style="font-family:inherit;font-size:10pt;"> of collections;</span></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;"/><td/></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><span style="font-family:inherit;font-size:10pt;">•</span></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><span 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</span></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:61px;"/><td/></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:37px;"><span style="font-family:inherit;font-size:10pt;">•</span></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">fourth, to the Dealer as payment of Dealer Holdback.</span></div></td></tr></table><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span 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. Certain events may also result in Dealers forfeiting their rights to Dealer Holdback, including becoming inactive before assigning at least 100 Consumer Loans.</span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Dealers have an opportunity to receive an accelerated Dealer Holdback payment each time </span><span style="font-family:inherit;font-size:10pt;"><span>100</span></span><span 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.</span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span 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. </span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span 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.</span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:left;text-indent:24px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;text-decoration:underline;">Purchase Program</span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span 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.</span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:left;text-indent:24px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;text-decoration:underline;">Program Enrollment</span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Dealers may enroll in our Portfolio Program by (1) paying an up-front, one-time fee of </span><span style="font-family:inherit;font-size:10pt;"><span>$9,850</span></span><span style="font-family:inherit;font-size:10pt;">, or (2) agreeing to allow us to retain </span><span style="font-family:inherit;font-size:10pt;"><span>50%</span></span><span 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:</span></div><div style="line-height:120%;text-align:justify;text-indent:24px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:72px;"/><td/></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:48px;"><span style="font-family:inherit;font-size:10pt;">•</span></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">received first accelerated Dealer Holdback payment under the Portfolio Program;</span></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:72px;"/><td/></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:48px;"><span style="font-family:inherit;font-size:10pt;">•</span></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">franchise dealership; or</span></div></td></tr></table><div style="line-height:120%;font-size:10pt;padding-left:48px;"><span style="font-family:inherit;font-size:10pt;">•</span></div><div style="line-height:120%;text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">independent dealership that meets certain criteria upon enrollment.</span></div>
CY2019Q2	cacc	Number Of Business Programs NumberOfBusinessPrograms	2	program
	cacc	Number Of Consumers Required To Group Advances NumberOfConsumersRequiredToGroupAdvances	100	loan
	cacc	Number Of Consumer Loans Assigned To Receive Accelerated Dealer Holdback Payment NumberOfConsumerLoansAssignedToReceiveAcceleratedDealerHoldbackPayment	100	loan
	cacc	Service Fee Income As Percentage Of Collections ServiceFeeIncomeAsPercentageOfCollections	0.20
	cacc	Number Of Consumer Loans Assigned To Receive Accelerated Dealer Holdback Payment NumberOfConsumerLoansAssignedToReceiveAcceleratedDealerHoldbackPayment	100	loan
	cacc	Revenue From Enrollment And Registration Fees In Program RevenueFromEnrollmentAndRegistrationFeesInProgram	9850	USD
	cacc	Payment Holdback Percentage PaymentHoldbackPercentage	0.50
	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	1	segment
	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	1	segment
CY2019Q2	us-gaap	Cash Uninsured Amount CashUninsuredAmount	19400000	USD
CY2018Q4	us-gaap	Cash Uninsured Amount CashUninsuredAmount	25100000	USD
CY2019Q2	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	19700000	USD
CY2018Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	25700000	USD
CY2018Q2	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	55700000	USD
CY2017Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	8200000	USD
CY2019Q2	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	328800000	USD
CY2018Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	303600000	USD
CY2018Q2	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	338000000.0	USD
CY2017Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	255600000	USD
CY2019Q2	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	348500000	USD
CY2018Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	329300000	USD
CY2018Q2	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	393700000	USD
CY2017Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	263800000	USD
	cacc	Numberof Portfolio Segments NumberofPortfolioSegments	2	portfolio_segment
	cacc	Period After Determination Dealer Loan Write Off PeriodAfterDeterminationDealerLoanWriteOff	P120M
	cacc	Period After Determination Purchased Loan Write Off PeriodAfterDeterminationPurchasedLoanWriteOff	P120M
CY2019Q2	us-gaap	Finance Lease Right Of Use Asset FinanceLeaseRightOfUseAsset	3300000	USD
CY2019Q2	us-gaap	Finance Lease Liability FinanceLeaseLiability	3500000	USD
CY2019Q2	us-gaap	Cash And Cash Equivalents Fair Value Disclosure CashAndCashEquivalentsFairValueDisclosure	19700000	USD
CY2019Q2	cacc	Restricted Cash And Cash Equivalents Fair Value Disclosure RestrictedCashAndCashEquivalentsFairValueDisclosure	328800000	USD
CY2019Q2	us-gaap	Available For Sale Securities Restricted AvailableForSaleSecuritiesRestricted	61500000	USD
CY2019Q2	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	6466800000	USD
CY2019Q2	us-gaap	Lines Of Credit Fair Value Disclosure LinesOfCreditFairValueDisclosure	38400000	USD
CY2019Q2	cacc	Secured Financing Fair Value Disclosure SecuredFinancingFairValueDisclosure	3275600000	USD
CY2019Q2	us-gaap	Notes Payable Fair Value Disclosure NotesPayableFairValueDisclosure	985200000	USD
CY2019Q2	us-gaap	Other Borrowings OtherBorrowings	11600000	USD
CY2018Q4	us-gaap	Cash And Cash Equivalents Fair Value Disclosure CashAndCashEquivalentsFairValueDisclosure	25700000	USD
CY2018Q4	cacc	Restricted Cash And Cash Equivalents Fair Value Disclosure RestrictedCashAndCashEquivalentsFairValueDisclosure	303600000	USD
CY2018Q4	us-gaap	Available For Sale Securities Restricted AvailableForSaleSecuritiesRestricted	58600000	USD
CY2018Q4	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	5855100000	USD
CY2018Q4	us-gaap	Lines Of Credit Fair Value Disclosure LinesOfCreditFairValueDisclosure	171900000	USD
CY2018Q4	cacc	Secured Financing Fair Value Disclosure SecuredFinancingFairValueDisclosure	3100900000	USD
CY2018Q4	us-gaap	Notes Payable Fair Value Disclosure NotesPayableFairValueDisclosure	556300000	USD
CY2018Q4	us-gaap	Other Borrowings OtherBorrowings	11900000	USD
CY2019Q2	us-gaap	Available For Sale Securities Amortized Cost AvailableForSaleSecuritiesAmortizedCost	60500000	USD
CY2019Q2	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	1000000.0	USD
CY2019Q2	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	0	USD
CY2019Q2	us-gaap	Available For Sale Securities Restricted AvailableForSaleSecuritiesRestricted	61500000	USD
CY2018Q4	us-gaap	Available For Sale Securities Amortized Cost AvailableForSaleSecuritiesAmortizedCost	59000000.0	USD
CY2018Q4	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	100000	USD
CY2018Q4	us-gaap	Available For Sale Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	500000	USD
CY2018Q4	us-gaap	Available For Sale Securities Restricted AvailableForSaleSecuritiesRestricted	58600000	USD
CY2019Q2	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue	1200000	USD
CY2019Q2	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	0	USD
CY2019Q2	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue	5400000	USD
CY2019Q2	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	0	USD
CY2019Q2	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue	6600000	USD
CY2019Q2	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss	0	USD
CY2018Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue	18900000	USD
CY2018Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	100000	USD
CY2018Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue	21700000	USD
CY2018Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	400000	USD
CY2018Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Fair Value AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue	40600000	USD
CY2018Q4	us-gaap	Available For Sale Securities Continuous Unrealized Loss Position Accumulated Loss AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss	500000	USD
CY2019Q2	us-gaap	Available For Sale Securities Debt Maturities Within One Year Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost	4800000	USD
CY2019Q2	us-gaap	Available For Sale Securities Debt Maturities Within One Year Fair Value AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue	4800000	USD
CY2018Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost	1700000	USD
CY2018Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Fair Value AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue	1700000	USD
CY2019Q2	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost	53100000	USD
CY2019Q2	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	54100000	USD
CY2018Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost	55100000	USD
CY2018Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	54700000	USD
CY2019Q2	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost	2100000	USD
CY2019Q2	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	2100000	USD
CY2018Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost	800000	USD
CY2018Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	800000	USD
CY2019Q2	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost	500000	USD
CY2019Q2	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue	500000	USD
CY2018Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost	1400000	USD
CY2018Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue	1400000	USD
CY2019Q2	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	60500000	USD
CY2019Q2	us-gaap	Available For Sale Securities Restricted AvailableForSaleSecuritiesRestricted	61500000	USD
CY2018Q4	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	59000000.0	USD
CY2018Q4	us-gaap	Available For Sale Securities Restricted AvailableForSaleSecuritiesRestricted	58600000	USD
CY2019Q2	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	6873600000	USD
CY2019Q2	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	489600000	USD
CY2019Q2	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6384000000.0	USD
CY2018Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	6225200000	USD
CY2018Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	461900000	USD
CY2018Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	5763300000	USD
CY2019Q1	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	6617900000	USD
CY2019Q2	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	955200000	USD
CY2019Q2	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	751200000	USD
CY2019Q2	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	15700000	USD
CY2019Q2	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	36000000.0	USD
CY2019Q2	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	700000	USD
CY2019Q2	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	700000	USD
CY2019Q2	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	6873600000	USD
CY2018Q1	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	5498100000	USD
CY2018Q2	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	904600000	USD
CY2018Q2	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	657800000	USD
CY2018Q2	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	16800000	USD
CY2018Q2	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	32900000	USD
CY2018Q2	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	15400000	USD
CY2018Q2	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	900000	USD
CY2018Q2	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	5780100000	USD
CY2018Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	6225200000	USD
	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	1400000	USD
CY2019Q2	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	6873600000	USD
	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	2060600000	USD
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	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	3600000	USD
CY2017Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	5049000000.0	USD
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CY2018Q2	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	5780100000	USD
	cacc	Period After Consumer Loans With No Forecasted Future Net Cash Flows PeriodAfterConsumerLoansWithNoForecastedFutureNetCashFlows	P120M
CY2019Q1	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	2226200000	USD
CY2019Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions	388700000	USD
CY2019Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	343700000	USD
CY2019Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications To From Nonaccretable Difference CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsToFromNonaccretableDifference	15400000	USD
CY2019Q2	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	13000000.0	USD
CY2019Q2	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers	2700000	USD
CY2019Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	2302300000	USD
CY2018Q1	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	1844900000	USD
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CY2018Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	292000000.0	USD
CY2018Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications To From Nonaccretable Difference CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsToFromNonaccretableDifference	1800000	USD
CY2018Q2	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	28200000	USD
CY2018Q2	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers	1400000	USD
CY2018Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	1955000000.0	USD
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	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions	840000000.0	USD
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	667800000	USD
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications To From Nonaccretable Difference CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsToFromNonaccretableDifference	29900000	USD
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	29700000	USD
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers	5000000.0	USD
CY2019Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	2302300000	USD
CY2017Q4	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	1665500000	USD
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	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	564400000	USD
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CY2018Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	1955000000.0	USD
CY2019Q2	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	1708900000	USD
CY2019Q2	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	1343900000	USD
CY2019Q2	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	955200000	USD
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CY2018Q2	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	904600000	USD
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CY2019Q2	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	700000	USD
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CY2019Q2	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	489600000	USD
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CY2018Q2	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	1800000	USD
CY2018Q2	us-gaap	Allowance For Loan And Lease Losses Adjustments Net AllowanceForLoanAndLeaseLossesAdjustmentsNet	0	USD
CY2018Q2	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	15400000	USD
CY2018Q2	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	900000	USD
CY2018Q2	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	435700000	USD
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CY2019Q2	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	489600000	USD
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CY2018Q2	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	435700000	USD
CY2019Q2	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	11900000	USD
CY2018Q2	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	14200000	USD
	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	27700000	USD
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CY2019Q2	us-gaap	Premiums Earned Net PremiumsEarnedNet	13100000	USD
CY2018Q2	us-gaap	Premiums Earned Net PremiumsEarnedNet	11700000	USD
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CY2019Q2	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	8300000	USD
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CY2019Q2	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	400000	USD
CY2018Q2	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	200000	USD
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CY2019Q2	us-gaap	Other Income OtherIncome	16000000.0	USD
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CY2019Q2	us-gaap	Debt Instrument Fair Value DebtInstrumentFairValue	4222600000	USD
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CY2018Q4	us-gaap	Debt Instrument Unamortized Discount DebtInstrumentUnamortizedDiscount	1100000	USD
CY2018Q4	us-gaap	Debt Instrument Fair Value DebtInstrumentFairValue	3820900000	USD
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CY2019Q2	us-gaap	Derivative Fair Value Of Derivative Asset Amount Not Offset Against Collateral DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral	0.0	USD
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CY2019Q2	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.027
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CY2019Q2	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0
CY2018Q2	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0
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CY2019Q2	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.236
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Files In Submission

Name	View Source	Status
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0000885550-19-000063-index.html	Edgar Link	pending
0000885550-19-000063.txt	Edgar Link	pending
0000885550-19-000063-xbrl.zip	Edgar Link	pending
cacc-20190630.xsd	Edgar Link	pending
cacc-20190630x10q.htm	Edgar Link	pending
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$CACC
CREDIT ACCEPTANCE CORP Stock $cacc

2019 Q2 Form 10-Q Financial Statement

#000088555019000063 Filed on July 30, 2019

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$CACC CREDIT ACCEPTANCE CORP Stock $cacc

2019 Q2 Form 10-Q Financial Statement

#000088555019000063 Filed on July 30, 2019

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$CACC
CREDIT ACCEPTANCE CORP Stock $cacc