$CACC
CREDIT ACCEPTANCE CORP Stock $cacc

$cacc Overview Financials Valuation SEC Filings Company Website

2021 Q4 Form 10-Q Financial Statement

#000088555021000134 Filed on November 01, 2021

Income Statement

Concept	2021 Q4	2021 Q3	2020 Q4
Revenue	$463.2M	$470.1M	$447.4M
YoY Change	3.53%	10.22%	15.94%
Cost Of Revenue		$10.00M
YoY Change		-6.54%
Gross Profit		$460.1M
YoY Change		10.65%
Gross Profit Margin		97.87%
Selling, General & Admin	$104.5M	$33.20M	$84.50M
YoY Change	23.67%	-1.78%	0.96%
% of Gross Profit		7.22%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$6.600M	$6.800M	$6.300M
YoY Change	4.76%	9.68%	8.62%
% of Gross Profit		1.48%
Operating Expenses	$139.9M	$33.20M	$344.7M
YoY Change	-59.41%	-1.78%	192.37%
Operating Profit		$426.9M
YoY Change		11.75%
Interest Expense	-$38.60M	$39.80M	-$45.10M
YoY Change	-14.41%	-14.96%	-11.57%
% of Operating Profit		9.32%
Other Income/Expense, Net
YoY Change
Pretax Income	$284.7M	$332.2M	$216.1M
YoY Change	31.74%	4.33%	0.42%
Income Tax	$67.10M	$82.20M	$49.80M
% Of Pretax Income	23.57%	24.74%	23.04%
Net Earnings	$217.6M	$250.0M	$166.3M
YoY Change	30.85%	3.26%	2.72%
Net Earnings / Revenue	46.98%	53.18%	37.17%
Basic Earnings Per Share		$15.83	$9.47
Diluted Earnings Per Share	$14.78M	$15.79	$9.43
COMMON SHARES
Basic Shares Outstanding	14.54M shares	15.80M shares	17.65M shares
Diluted Shares Outstanding		15.83M shares

Balance Sheet

Concept	2021 Q4	2021 Q3	2020 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments	$23.30M	$13.30M	$16.00M
YoY Change	45.63%	49.44%	-91.46%
Cash & Equivalents	$23.30M	$13.30M	$16.00M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets	$132.5M	$38.30M	$163.0M
YoY Change	-18.71%	117.61%	-35.73%
LONG-TERM ASSETS
Property, Plant & Equipment	$57.30M	$58.30M	$59.40M
YoY Change	-3.54%	-4.43%	-0.5%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$473.0M	$496.1M	$446.3M
YoY Change	5.98%	8.15%	14.55%
Total Long-Term Assets	$6.918B	$7.161B	$7.326B
YoY Change	-5.56%	-3.28%	2.18%
TOTAL ASSETS
Total Short-Term Assets	$132.5M	$38.30M	$163.0M
Total Long-Term Assets	$6.918B	$7.161B	$7.326B
Total Assets	$7.051B	$7.199B	$7.489B
YoY Change	-5.85%	-3.0%	0.89%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable	$175.0M	$251.3M	$185.2M
YoY Change	-5.51%	34.24%	-9.04%
Accrued Expenses			$1.500M
YoY Change			-46.43%
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	$175.2M	$251.5M	$186.9M
YoY Change	-6.26%	34.2%	-9.54%
LONG-TERM LIABILITIES
Long-Term Debt	$4.616B	$4.607B	$4.609B
YoY Change	0.17%	-0.26%	1.54%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$4.616B	$4.607B	$4.609B
YoY Change	0.17%	-0.26%	1.54%
TOTAL LIABILITIES
Total Short-Term Liabilities	$175.2M	$251.5M	$186.9M
Total Long-Term Liabilities	$4.616B	$4.607B	$4.609B
Total Liabilities	$5.227B	$5.245B	$5.187B
YoY Change	0.78%	2.59%	2.34%
SHAREHOLDERS EQUITY
Retained Earnings	$1.627B	$1.787B	$2.139B
YoY Change	-23.94%	-16.74%	-2.63%
Common Stock	$197.3M	$166.1M	$162.1M
YoY Change	21.71%	3.42%	2.66%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$1.824B	$1.954B	$2.303B
YoY Change
Total Liabilities & Shareholders Equity	$7.051B	$7.199B	$7.489B
YoY Change	-5.85%	-3.0%	0.89%

Cashflow Statement

Concept	2021 Q4	2021 Q3	2020 Q4
OPERATING ACTIVITIES
Net Income	$217.6M	$250.0M	$166.3M
YoY Change	30.85%	3.26%	2.72%
Depreciation, Depletion And Amortization	$6.600M	$6.800M	$6.300M
YoY Change	4.76%	9.68%	8.62%
Cash From Operating Activities	$131.1M	$269.8M	$202.2M
YoY Change	-35.16%	-2.49%	-1.03%
INVESTING ACTIVITIES
Capital Expenditures	-$1.500M	-$3.000M	-$800.0K
YoY Change	87.5%	114.29%	-75.0%
Acquisitions
YoY Change
Other Investing Activities	$224.6M	$195.6M	-$14.70M
YoY Change	-1627.89%	-331.21%	-90.07%
Cash From Investing Activities	$223.1M	$192.6M	-$15.50M
YoY Change	-1539.35%	-323.95%	-89.75%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	-362.3M	-881.0M	-191.3M
YoY Change	89.39%	386.47%	-273.75%
NET CHANGE
Cash From Operating Activities	131.1M	269.8M	202.2M
Cash From Investing Activities	223.1M	192.6M	-15.50M
Cash From Financing Activities	-362.3M	-881.0M	-191.3M
Net Change In Cash	-8.100M	-418.6M	-4.600M
YoY Change	76.09%	-4460.42%	-102.82%
FREE CASH FLOW
Cash From Operating Activities	$131.1M	$269.8M	$202.2M
Capital Expenditures	-$1.500M	-$3.000M	-$800.0K
Free Cash Flow	$132.6M	$272.8M	$203.0M
YoY Change	-34.68%	-1.91%	-2.17%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
	dei	Amendment Flag AmendmentFlag	false
	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2021
	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	Q3
	dei	Entity Central Index Key EntityCentralIndexKey	0000885550
	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
	dei	Document Type DocumentType	10-Q
CY2021Q1	cacc	Payment Holdback Percentage PaymentHoldbackPercentage	0.50
	dei	Document Quarterly Report DocumentQuarterlyReport	true
	dei	Document Period End Date DocumentPeriodEndDate	2021-09-30
	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, $.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
	cacc	Original Number Of Consumer Loans Required To Group Advances OriginalNumberOfConsumerLoansRequiredToGroupAdvances	100	loan
	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
CY2021Q4	dei	Entity Common Stock Shares Outstanding EntityCommonStockSharesOutstanding	14539621	shares
CY2021Q3	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	13300000	USD
CY2020Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	16000000.0	USD
CY2021Q3	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	429000000.0	USD
CY2020Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	380200000	USD
CY2021Q3	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	67100000	USD
CY2020Q4	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	66100000	USD
CY2021Q3	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	9685800000	USD
CY2020Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	10124800000	USD
CY2021Q3	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	3103200000	USD
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CY2021Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6582600000	USD
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CY2021Q3	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	58300000	USD
CY2020Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	59400000	USD
CY2021Q3	us-gaap	Income Tax Receivable IncomeTaxReceivable	25000000.0	USD
CY2020Q4	us-gaap	Income Tax Receivable IncomeTaxReceivable	147000000.0	USD
CY2021Q3	us-gaap	Other Assets OtherAssets	23700000	USD
CY2020Q4	us-gaap	Other Assets OtherAssets	32400000	USD
CY2021Q3	us-gaap	Assets Assets	7199000000	USD
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CY2021Q3	us-gaap	Accounts Payable And Accrued Liabilities Current AccountsPayableAndAccruedLiabilitiesCurrent	251300000	USD
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CY2021Q3	us-gaap	Line Of Credit LineOfCredit	72200000	USD
CY2020Q4	us-gaap	Line Of Credit LineOfCredit	95900000	USD
CY2021Q3	us-gaap	Secured Debt SecuredDebt	3733000000	USD
CY2020Q4	us-gaap	Secured Debt SecuredDebt	3711600000	USD
CY2021Q3	us-gaap	Senior Long Term Notes SeniorLongTermNotes	792000000.0	USD
CY2020Q4	us-gaap	Senior Long Term Notes SeniorLongTermNotes	790600000	USD
CY2021Q3	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
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CY2020Q4	us-gaap	Other Borrowings OtherBorrowings	10500000	USD
CY2021Q3	us-gaap	Deferred Income Tax Liabilities Net DeferredIncomeTaxLiabilitiesNet	386600000	USD
CY2020Q4	us-gaap	Deferred Income Tax Liabilities Net DeferredIncomeTaxLiabilitiesNet	391000000.0	USD
CY2021Q3	us-gaap	Accrued Income Taxes AccruedIncomeTaxes	200000	USD
CY2020Q4	us-gaap	Accrued Income Taxes AccruedIncomeTaxes	200000	USD
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CY2021Q3	us-gaap	Commitments And Contingencies CommitmentsAndContingencies		USD
CY2020Q4	us-gaap	Commitments And Contingencies CommitmentsAndContingencies		USD
CY2021Q3	us-gaap	Preferred Stock Par Or Stated Value Per Share PreferredStockParOrStatedValuePerShare	0.01
CY2021Q3	us-gaap	Preferred Stock Shares Authorized PreferredStockSharesAuthorized	1000000	shares
CY2021Q3	us-gaap	Preferred Stock Shares Issued PreferredStockSharesIssued	0	shares
CY2021Q3	us-gaap	Preferred Stock Value PreferredStockValue	0	USD
CY2020Q4	us-gaap	Preferred Stock Value PreferredStockValue	0	USD
CY2020Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
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CY2021Q3	us-gaap	Common Stock Value CommonStockValue	100000	USD
CY2020Q4	us-gaap	Common Stock Value CommonStockValue	200000	USD
CY2021Q3	us-gaap	Additional Paid In Capital Common Stock AdditionalPaidInCapitalCommonStock	166000000.0	USD
CY2020Q4	us-gaap	Additional Paid In Capital Common Stock AdditionalPaidInCapitalCommonStock	161900000	USD
CY2021Q3	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	1787000000	USD
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CY2021Q3	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	700000	USD
CY2020Q4	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	1600000	USD
CY2021Q3	us-gaap	Stockholders Equity StockholdersEquity	1953800000	USD
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CY2021Q3	cacc	Finance Charges Revenue FinanceChargesRevenue	442100000	USD
CY2020Q3	cacc	Finance Charges Revenue FinanceChargesRevenue	404400000	USD
	cacc	Finance Charges Revenue FinanceChargesRevenue	1312400000	USD
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	us-gaap	Premiums Earned Net PremiumsEarnedNet	45600000	USD
	us-gaap	Premiums Earned Net PremiumsEarnedNet	42200000	USD
CY2021Q3	us-gaap	Other Income OtherIncome	12600000	USD
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	us-gaap	Other Income OtherIncome	34800000	USD
	us-gaap	Other Income OtherIncome	35200000	USD
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	us-gaap	Revenues Revenues	1392800000	USD
	us-gaap	Revenues Revenues	1221900000	USD
CY2021Q3	us-gaap	Labor And Related Expense LaborAndRelatedExpense	63200000	USD
CY2020Q3	us-gaap	Labor And Related Expense LaborAndRelatedExpense	46600000	USD
CY2021Q3	us-gaap	Interest Expense InterestExpense	39800000	USD
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	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	48400000	USD
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	us-gaap	Interest Expense InterestExpense	125600000	USD
	us-gaap	Interest Expense InterestExpense	146900000	USD
CY2021Q3	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	10000000.0	USD
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	us-gaap	Costs And Expenses CostsAndExpenses	416600000	USD
	us-gaap	Costs And Expenses CostsAndExpenses	888500000	USD
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	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	14.17
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	us-gaap	Net Income Loss NetIncomeLoss	740700000	USD
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CY2021Q2	us-gaap	Stockholders Equity StockholdersEquity	2393000000	USD
CY2021Q3	us-gaap	Net Income Loss NetIncomeLoss	250000000.0	USD
CY2021Q3	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	-200000	USD
CY2021Q3	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	15200000	USD
CY2021Q3	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	704200000	USD
CY2021Q3	us-gaap	Stockholders Equity StockholdersEquity	1953800000	USD
CY2020Q2	us-gaap	Stockholders Equity StockholdersEquity	2065100000	USD
CY2020Q3	us-gaap	Net Income Loss NetIncomeLoss	242100000	USD
CY2020Q3	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	-200000	USD
CY2021Q1	cacc	Payment Holdback Percentage PaymentHoldbackPercentage	0.50
CY2020Q3	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	1500000	USD
CY2020Q3	us-gaap	Stockholders Equity StockholdersEquity	2308500000	USD
CY2020Q4	us-gaap	Stockholders Equity StockholdersEquity	2302500000	USD
	us-gaap	Net Income Loss NetIncomeLoss	740700000	USD
	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	-900000	USD
	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	5400000	USD
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	1093900000	USD
CY2021Q3	us-gaap	Stockholders Equity StockholdersEquity	1953800000	USD
CY2019Q4	us-gaap	Stockholders Equity StockholdersEquity	2355300000	USD
	us-gaap	Net Income Loss NetIncomeLoss	254700000	USD
	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	900000	USD
	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	4700000	USD
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	307100000	USD
CY2020Q3	us-gaap	Stockholders Equity StockholdersEquity	2308500000	USD
	us-gaap	Net Income Loss NetIncomeLoss	740700000	USD
	us-gaap	Net Income Loss NetIncomeLoss	254700000	USD
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-17500000	USD
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	464300000	USD
	us-gaap	Depreciation Depreciation	7200000	USD
	us-gaap	Depreciation Depreciation	6400000	USD
	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	12500000	USD
	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	11100000	USD
	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	-4100000	USD
	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	-16400000	USD
	us-gaap	Share Based Compensation ShareBasedCompensation	5400000	USD
	us-gaap	Share Based Compensation ShareBasedCompensation	4700000	USD
	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	0	USD
	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	-7400000	USD
	us-gaap	Other Operating Activities Cash Flow Statement OtherOperatingActivitiesCashFlowStatement	-300000	USD
	us-gaap	Other Operating Activities Cash Flow Statement OtherOperatingActivitiesCashFlowStatement	-600000	USD
	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	65500000	USD
	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	-20300000	USD
	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	-122000000.0	USD
	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	-57500000	USD
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-6900000	USD
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-14200000	USD
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	938300000	USD
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	783000000.0	USD
	us-gaap	Payments To Acquire Available For Sale Securities Debt PaymentsToAcquireAvailableForSaleSecuritiesDebt	31400000	USD
	us-gaap	Payments To Acquire Available For Sale Securities Debt PaymentsToAcquireAvailableForSaleSecuritiesDebt	37800000	USD
	us-gaap	Proceeds From Sale Of Available For Sale Securities Debt ProceedsFromSaleOfAvailableForSaleSecuritiesDebt	12000000.0	USD
	us-gaap	Proceeds From Sale Of Available For Sale Securities Debt ProceedsFromSaleOfAvailableForSaleSecuritiesDebt	19400000	USD
	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	16900000	USD
	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	12400000	USD
	us-gaap	Proceeds From Loan And Lease Originations And Principal Collections1 ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1	2907500000	USD
	us-gaap	Proceeds From Loan And Lease Originations And Principal Collections1 ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1	2412700000	USD
	cacc	Advances To Dealers AdvancesToDealers	1626200000	USD
	cacc	Advances To Dealers AdvancesToDealers	1751100000	USD
	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	905300000	USD
	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	1161400000	USD
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	36000000.0	USD
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	34600000	USD
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	117200000	USD
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	109900000	USD
	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	6100000	USD
	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	7700000	USD
	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	214200000	USD
	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-658000000.0	USD
	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	1066400000	USD
	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	4387800000	USD
	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	1090100000	USD
	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	4262100000	USD
	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	1379800000	USD
	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	2071900000	USD
	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	1355700000	USD
	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	1719600000	USD
	us-gaap	Repayments Of Senior Debt RepaymentsOfSeniorDebt	0	USD
	us-gaap	Repayments Of Senior Debt RepaymentsOfSeniorDebt	401800000	USD
	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	12300000	USD
	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	12500000	USD
	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	1093900000	USD
	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	307100000	USD
	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	-600000	USD
	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	1500000	USD
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	-1106400000	USD
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	-241900000	USD
	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	46100000	USD
	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	-116900000	USD
CY2020Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	396200000	USD
CY2019Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	517700000	USD
CY2021Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	442300000	USD
CY2020Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	400800000	USD
	us-gaap	Interest Paid Net InterestPaidNet	115900000	USD
	us-gaap	Interest Paid Net InterestPaidNet	147200000	USD
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	112300000	USD
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	35800000	USD
	us-gaap	Nature Of Operations NatureOfOperations	DESCRIPTION OF BUSINESS<div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">®</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> scores below 650 or no FICO</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">®</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> scores:</span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:42.174%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.496%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.496%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.204%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.210%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Consumer Loan Assignment Volume</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:2pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="border-top:2pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:13.5pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Percentage of total unit volume with either FICO</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">®</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> scores below 650 or no FICO</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">®</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> scores</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">88.9 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">93.6 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">92.4 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">95.4 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="margin-bottom:10pt;margin-top:1pt;text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have two programs: the Portfolio Program and the Purchase Program. Under the Portfolio Program, we advance money to Dealers (referred to as a “Dealer Loan”) in exchange for the right to service the underlying Consumer Loans. Under the Purchase Program, we buy the Consumer Loans from the Dealers (referred to as a “Purchased Loan”) and keep all amounts collected from the consumer. Dealer Loans and Purchased Loans are collectively referred to as “Loans”. The following table shows the percentage of Consumer Loans assigned to us as Dealer Loans and Purchased Loans for each of the last seven quarters:</span></div><div style="margin-bottom:7pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:38.081%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.373%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.373%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.373%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.380%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unit Volume</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Dollar Volume (1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Three Months Ended</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Dealer Loans</span></td><td colspan="3" style="border-top:2pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Purchased Loans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Dealer Loans</span></td><td colspan="3" style="border-top:2pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Purchased Loans</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 31, 2020</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">64.9 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">35.1 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60.5 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">39.5 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">June 30, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">62.5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37.5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">59.1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40.9 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 30, 2020</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">64.1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">35.9 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60.9 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">39.1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">December 31, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">65.3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34.7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">62.7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37.3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 31, 2021</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">65.4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34.6 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">62.7 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37.3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">June 30, 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66.9 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">33.1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">64.0 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36.0 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">69.9 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30.1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66.8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">33.2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="padding-left:27pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">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><div><span><br/></span></div><div style="text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Portfolio Program</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As payment for the vehicle, the Dealer generally receives the following:</span></div><div style="padding-left:45pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">a down payment from the consumer;</span></div><div style="padding-left:45pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">a non-recourse cash payment (“advance”) from us; and</span></div><div style="padding-left:45pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">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><div style="text-align:center"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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. Dealers make an election as to how many Consumer Loans (either 50 or 100) will be assigned to an open pool before it is closed, and subsequent advances are assigned to a new pool. Unless we receive a request from the Dealer to keep a pool open, we automatically close each pool based on the Dealer's election. 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><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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="padding-left:45pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">first, to reimburse us for certain collection costs;</span></div><div style="padding-left:45pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">second, to pay us our servicing fee, which generally equals 20% of collections;</span></div><div style="padding-left:45pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">third, to reduce the aggregate advance balance and to pay any other amounts due from the Dealer to us; and</span></div><div style="padding-left:45pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">fourth, to the Dealer as payment of Dealer Holdback.</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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 100 Consumer Loans.</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Dealers have an opportunity to receive an accelerated Dealer Holdback payment each time a pool of Consumer Loans is closed. The amount paid to the Dealer is calculated using a formula that considers the number of Consumer Loans assigned to the pool and the related forecasted collections and advance balance.</span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:2pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Program</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Program Enrollment</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Dealers may enroll in our Portfolio Program without incurring an enrollment fee. Access to the Purchase Program is typically only granted to Dealers that meet one of the following:</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="padding-left:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">assigned at least 100 Consumer Loans under the Portfolio Program;</span></div><div style="padding-left:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">franchise dealership; or</span></div><div style="padding-left:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">independent dealership that meets certain criteria upon enrollment.</span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Seasonality</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our business is seasonal with peak Consumer Loan assignments and collections occurring during the first quarter of the year. This seasonality has a material impact on our interim results, as we are required to recognize a significant provision for credit losses expense at the time of assignment. For additional information, see Note 3.</span></div>
CY2021Q3	cacc	Number Of Business Programs NumberOfBusinessPrograms	2	program
	cacc	Additional Number Of Consumer Loans Required To Group Advances AdditionalNumberOfConsumerLoansRequiredToGroupAdvances	50	loan
	cacc	Original Number Of Consumer Loans Required To Group Advances OriginalNumberOfConsumerLoansRequiredToGroupAdvances	100	loan
	cacc	Service Fee Income As Percentage Of Collections ServiceFeeIncomeAsPercentageOfCollections	0.20
	cacc	Original Number Of Consumer Loans Required To Group Advances OriginalNumberOfConsumerLoansRequiredToGroupAdvances	100	loan
CY2021Q1	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	1	segment
CY2021Q1	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	1	segment
CY2021Q3	us-gaap	Cash Uninsured Amount CashUninsuredAmount	13000000	USD
CY2020Q4	us-gaap	Cash Uninsured Amount CashUninsuredAmount	15700000	USD
CY2021Q3	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	13300000	USD
CY2020Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	16000000.0	USD
CY2020Q3	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	8900000	USD
	cacc	Monthly Servicing Fee Per Financing MonthlyServicingFeePerFinancing	0.06
CY2019Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	187400000	USD
CY2021Q3	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	429000000.0	USD
CY2020Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	380200000	USD
CY2020Q3	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	391900000	USD
CY2019Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	330300000	USD
CY2021Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	442300000	USD
CY2020Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	396200000	USD
CY2020Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	400800000	USD
CY2019Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	517700000	USD
CY2020Q4	us-gaap	Lines Of Credit Fair Value Disclosure LinesOfCreditFairValueDisclosure	95900000	USD
CY2020Q4	cacc	Secured Financing Fair Value Disclosure SecuredFinancingFairValueDisclosure	3793900000	USD
CY2021Q3	us-gaap	Cash And Cash Equivalents Fair Value Disclosure CashAndCashEquivalentsFairValueDisclosure	13300000	USD
CY2021Q3	cacc	Restricted Cash And Cash Equivalents Fair Value Disclosure RestrictedCashAndCashEquivalentsFairValueDisclosure	429000000.0	USD
CY2021Q3	us-gaap	Available For Sale Securities Debt Securities AvailableForSaleSecuritiesDebtSecurities	67100000	USD
CY2021Q3	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	6833900000	USD
CY2021Q3	us-gaap	Lines Of Credit Fair Value Disclosure LinesOfCreditFairValueDisclosure	72200000	USD
CY2021Q3	cacc	Secured Financing Fair Value Disclosure SecuredFinancingFairValueDisclosure	3783000000	USD
CY2021Q3	us-gaap	Notes Payable Fair Value Disclosure NotesPayableFairValueDisclosure	834600000	USD
CY2021Q3	us-gaap	Other Borrowings OtherBorrowings	9900000	USD
CY2020Q4	us-gaap	Cash And Cash Equivalents Fair Value Disclosure CashAndCashEquivalentsFairValueDisclosure	16000000.0	USD
CY2020Q4	cacc	Restricted Cash And Cash Equivalents Fair Value Disclosure RestrictedCashAndCashEquivalentsFairValueDisclosure	380200000	USD
CY2020Q4	us-gaap	Available For Sale Securities Debt Securities AvailableForSaleSecuritiesDebtSecurities	66100000	USD
CY2020Q4	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	7216400000	USD
CY2020Q4	us-gaap	Notes Payable Fair Value Disclosure NotesPayableFairValueDisclosure	842000000.0	USD
CY2020Q4	us-gaap	Other Borrowings OtherBorrowings	10500000	USD
CY2021Q3	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	66300000	USD
CY2021Q3	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	900000	USD
CY2021Q3	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	100000	USD
CY2021Q3	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	67100000	USD
CY2020Q4	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	64100000	USD
CY2020Q4	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	2000000.0	USD
CY2020Q4	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	0	USD
CY2020Q4	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	66100000	USD
CY2021Q3	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months	26500000	USD
CY2021Q3	us-gaap	Held To Maturity Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	100000	USD
CY2021Q3	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger	900000	USD
CY2021Q3	us-gaap	Held To Maturity Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	0	USD
CY2021Q3	us-gaap	Debt Securities Available For Sale Unrealized Loss Position DebtSecuritiesAvailableForSaleUnrealizedLossPosition	27400000	USD
CY2021Q3	us-gaap	Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss	100000	USD
CY2020Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months	2200000	USD
CY2020Q4	us-gaap	Held To Maturity Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	0	USD
CY2020Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger	0	USD
CY2020Q4	us-gaap	Held To Maturity Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	0	USD
CY2020Q4	us-gaap	Debt Securities Available For Sale Unrealized Loss Position DebtSecuritiesAvailableForSaleUnrealizedLossPosition	2200000	USD
CY2020Q4	us-gaap	Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss	0	USD
CY2021Q3	us-gaap	Available For Sale Securities Debt Maturities Within One Year Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost	2100000	USD
CY2021Q3	us-gaap	Available For Sale Securities Debt Maturities Within One Year Fair Value AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue	2100000	USD
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost	1100000	USD
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Fair Value AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue	1100000	USD
CY2021Q3	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost	61200000	USD
CY2021Q3	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	62000000.0	USD
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost	58100000	USD
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	60000000.0	USD
CY2021Q3	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost	2900000	USD
CY2021Q3	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	2900000	USD
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost	4700000	USD
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	4800000	USD
CY2021Q3	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost	100000	USD
CY2021Q3	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue	100000	USD
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost	200000	USD
CY2020Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue	200000	USD
CY2021Q3	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	66300000	USD
CY2021Q3	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	67100000	USD
CY2020Q4	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	64100000	USD
CY2020Q4	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	66100000	USD
CY2020Q3	cacc	Deferralof Loan Origination Costs DeferralofLoanOriginationCosts	2200000	USD
CY2021Q3	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	9685800000	USD
CY2021Q3	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	3103200000	USD
CY2021Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6582600000	USD
CY2020Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	10124800000	USD
CY2020Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	3336900000	USD
CY2020Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6787900000	USD
CY2021Q2	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6768100000	USD
CY2021Q3	cacc	Finance Charges Revenue FinanceChargesRevenue	442100000	USD
CY2021Q3	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-8300000	USD
CY2021Q3	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	700000000.0	USD
CY2021Q3	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	1385300000	USD
CY2021Q3	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	9400000	USD
CY2021Q3	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	37800000	USD
CY2021Q3	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	USD
CY2021Q3	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	0	USD
CY2021Q3	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	0	USD
CY2021Q3	cacc	Deferralof Loan Origination Costs DeferralofLoanOriginationCosts	2200000	USD
CY2021Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6582600000	USD
CY2020Q2	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6749800000	USD
CY2020Q3	cacc	Finance Charges Revenue FinanceChargesRevenue	404400000	USD
CY2020Q3	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-29800000	USD
CY2020Q3	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	852100000	USD
CY2020Q3	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	1220300000	USD
CY2020Q3	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	11700000	USD
CY2020Q3	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	35500000	USD
CY2020Q3	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	USD
CY2020Q3	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	0	USD
CY2020Q3	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	0	USD
CY2020Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6865200000	USD
CY2020Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6787900000	USD
	cacc	Finance Charges Revenue FinanceChargesRevenue	1312400000	USD
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-17500000	USD
	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	2531500000	USD
	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	4226400000	USD
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	36000000.0	USD
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	117200000	USD
	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	USD
	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	0	USD
	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	0	USD
	cacc	Deferralof Loan Origination Costs DeferralofLoanOriginationCosts	6500000	USD
CY2021Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6582600000	USD
CY2019Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6685200000	USD
	cacc	Adoptionof Cecl AdoptionofCECL	0	USD
	cacc	Finance Charges Revenue FinanceChargesRevenue	1144500000	USD
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	464300000	USD
	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	2912500000	USD
	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	3563900000	USD
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	34600000	USD
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	109900000	USD
	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	USD
	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	0	USD
	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	0	USD
	cacc	Deferralof Loan Origination Costs DeferralofLoanOriginationCosts	6700000	USD
CY2020Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6865200000	USD
CY2021Q3	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-8300000	USD
CY2020Q3	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-29800000	USD
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-17500000	USD
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	464300000	USD
CY2021Q3	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	1198300000	USD
CY2021Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	970800000	USD
CY2021Q3	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	700000000.0	USD
CY2021Q3	cacc	Expectedfuturefinancechargesatthetimeofassignment Expectedfuturefinancechargesatthetimeofassignment	346300000	USD
CY2021Q3	cacc	Expectednet Loanincomeatthetimeofassignment ExpectednetLoanincomeatthetimeofassignment	270800000	USD
CY2020Q3	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	1553800000	USD
CY2020Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	1208900000	USD
CY2020Q3	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	852100000	USD
CY2020Q3	cacc	Expectedfuturefinancechargesatthetimeofassignment Expectedfuturefinancechargesatthetimeofassignment	470900000	USD
CY2020Q3	cacc	Expectednet Loanincomeatthetimeofassignment ExpectednetLoanincomeatthetimeofassignment	356800000	USD
	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	4457800000	USD
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	3556200000	USD
	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	2531500000	USD
	cacc	Expectedfuturefinancechargesatthetimeofassignment Expectedfuturefinancechargesatthetimeofassignment	1323600000	USD
	cacc	Expectednet Loanincomeatthetimeofassignment ExpectednetLoanincomeatthetimeofassignment	1024700000	USD
	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	5353600000	USD
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	4105200000	USD
	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	2912500000	USD
	cacc	Expectedfuturefinancechargesatthetimeofassignment Expectedfuturefinancechargesatthetimeofassignment	1618900000	USD
	cacc	Expectednet Loanincomeatthetimeofassignment ExpectednetLoanincomeatthetimeofassignment	1192700000	USD
CY2021Q2	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9611200000	USD
CY2021Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	970800000	USD
CY2021Q3	cacc	Realized Net Cash Flows RealizedNetCashFlows	1338100000	USD
CY2021Q3	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	82300000	USD
CY2021Q3	cacc	Transferof Expected Future Net Cash Flowsbetween Programs TransferofExpectedFutureNetCashFlowsbetweenPrograms	2000000.0	USD
CY2021Q3	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9328200000	USD
CY2020Q2	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9476800000	USD
CY2020Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	1208900000	USD
CY2020Q3	cacc	Realized Net Cash Flows RealizedNetCashFlows	1173100000	USD
CY2020Q3	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	138500000	USD
CY2020Q3	cacc	Transferof Expected Future Net Cash Flowsbetween Programs TransferofExpectedFutureNetCashFlowsbetweenPrograms	1800000	USD
CY2020Q3	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9652900000	USD
CY2020Q4	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9544400000	USD
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	3556200000	USD
	cacc	Realized Net Cash Flows RealizedNetCashFlows	4073200000	USD
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	294200000	USD
	cacc	Transferof Expected Future Net Cash Flowsbetween Programs TransferofExpectedFutureNetCashFlowsbetweenPrograms	6600000	USD
CY2021Q3	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9328200000	USD
CY2019Q4	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9005200000	USD
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	4105200000	USD
	cacc	Realized Net Cash Flows RealizedNetCashFlows	3419400000	USD
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	-43600000	USD
	cacc	Transferof Expected Future Net Cash Flowsbetween Programs TransferofExpectedFutureNetCashFlowsbetweenPrograms	5500000	USD
CY2020Q3	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9652900000	USD
CY2021Q3	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	9685800000	USD
CY2020Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	10124800000	USD
CY2021Q2	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	-206500000	USD
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes By Percentage CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChangesByPercentage	-0.023
CY2020Q3	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	400000	USD
CY2021Q3	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	12100000	USD
CY2020Q3	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	14700000	USD
	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	45900000	USD
	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	49300000	USD
CY2021Q3	us-gaap	Premiums Earned Net PremiumsEarnedNet	15400000	USD
CY2020Q3	us-gaap	Premiums Earned Net PremiumsEarnedNet	15100000	USD
	us-gaap	Premiums Earned Net PremiumsEarnedNet	45600000	USD
	us-gaap	Premiums Earned Net PremiumsEarnedNet	42200000	USD
CY2021Q3	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	10000000.0	USD
CY2020Q3	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	10700000	USD
	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	29300000	USD
	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	28800000	USD
CY2021Q3	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	200000	USD
CY2021Q1	cacc	Revenue From Enrollment And Registration Fees In Program RevenueFromEnrollmentAndRegistrationFeesInProgram	9850	USD
	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	1000000.0	USD
	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	1000000.0	USD
CY2021Q3	us-gaap	Other Income OtherIncome	12600000	USD
CY2020Q3	us-gaap	Other Income OtherIncome	7000000.0	USD
	us-gaap	Other Income OtherIncome	34800000	USD
	us-gaap	Other Income OtherIncome	35200000	USD
CY2021Q1	cacc	Payment Holdback Percentage PaymentHoldbackPercentage	0.50
CY2021Q1	cacc	Revenue From Enrollment And Registration Fees In Program RevenueFromEnrollmentAndRegistrationFeesInProgram	9850	USD
CY2021Q3	us-gaap	Other Income OtherIncome	12600000	USD
CY2021Q3	us-gaap	Other Income OtherIncome	12600000	USD
	us-gaap	Other Income OtherIncome	34800000	USD
	us-gaap	Other Income OtherIncome	34800000	USD
CY2021Q3	cacc	Debt Instrument Principal Outstanding DebtInstrumentPrincipalOutstanding	4634800000	USD
CY2021Q3	us-gaap	Unamortized Debt Issuance Expense UnamortizedDebtIssuanceExpense	27700000	USD
CY2021Q3	us-gaap	Debt Instrument Fair Value DebtInstrumentFairValue	4607100000	USD
CY2020Q4	cacc	Debt Instrument Principal Outstanding DebtInstrumentPrincipalOutstanding	4635100000	USD
CY2020Q4	us-gaap	Unamortized Debt Issuance Expense UnamortizedDebtIssuanceExpense	26500000	USD
CY2020Q4	us-gaap	Debt Instrument Fair Value DebtInstrumentFairValue	4608600000	USD
CY2021Q3	cacc	Maximum Hedging Reserve MaximumHedgingReserve	1000000	USD
	cacc	Percentage Of Collections On Contributed Loans PercentageOfCollectionsOnContributedLoans	0.06
	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.210
CY2019Q4	us-gaap	Repayments Of Senior Debt RepaymentsOfSeniorDebt	148200000	USD
CY2019Q4	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	-1800000	USD
CY2020Q2	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	-7400000	USD
CY2021Q3	cacc	Debt Instrument Covenant Net Income For Past Two Quarters DebtInstrumentCovenantNetIncomeForPastTwoQuarters	1	USD
CY2021Q3	us-gaap	Derivative Fair Value Of Derivative Asset Amount Not Offset Against Collateral DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral	100000	USD
CY2020Q4	us-gaap	Derivative Fair Value Of Derivative Asset Amount Not Offset Against Collateral DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral	100000	USD
CY2021Q3	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.210
CY2020Q3	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.210
	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.210
CY2021Q3	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.033
CY2020Q3	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.029
	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.031
	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.030
CY2021Q3	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0
CY2020Q3	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0
	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0.001
	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0.008
CY2021Q3	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.004
CY2020Q3	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.001
	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.001
	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.004
CY2021Q3	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.247
CY2020Q3	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.240
	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.241
	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.236
CY2021Q3	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	15430120	shares
CY2020Q3	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	17526660	shares
	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	16186518	shares
	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	17645184	shares
CY2021Q3	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	365843	shares
CY2020Q3	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	318125	shares
	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	356808	shares
	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	312747	shares
CY2021Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	15795963	shares
CY2020Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	17844785	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	16543326	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	17957931	shares
CY2021Q3	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	33203	shares
CY2020Q3	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	4980	shares
	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	16313	shares
	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	15160	shares
CY2021Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	15829166	shares
CY2020Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	17849765	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	16559639	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	17973091	shares
	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	120217	shares
CY2021Q3	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	120217	shares
CY2020Q3	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
CY2020Q3	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	2277817	shares
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	1093900000	USD
	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	725220	shares
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	307100000	USD
CY2020Q1	cacc	Stock Repurchase Program Number Of Shares Authorized To Be Repurchased Increase StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchasedIncrease	2000000	shares
CY2021Q3	us-gaap	Stock Repurchase Program Remaining Number Of Shares Authorized To Be Repurchased StockRepurchaseProgramRemainingNumberOfSharesAuthorizedToBeRepurchased	2231859	shares
CY2021Q3	us-gaap	Share Based Compensation ShareBasedCompensation	15200000	USD
CY2020Q3	us-gaap	Share Based Compensation ShareBasedCompensation	1500000	USD
	us-gaap	Share Based Compensation ShareBasedCompensation	5400000	USD
	us-gaap	Share Based Compensation ShareBasedCompensation	4700000	USD
CY2021Q2	us-gaap	Share Based Compensation ShareBasedCompensation	11500000	USD
CY2021Q2	us-gaap	Loss Contingency Accrual Carrying Value Period Increase Decrease LossContingencyAccrualCarryingValuePeriodIncreaseDecrease	27200000	USD
CY2021Q3	us-gaap	Litigation Settlement Expense LitigationSettlementExpense	27200000	USD
CY2021Q3	us-gaap	Litigation Settlement Amount Awarded To Other Party LitigationSettlementAmountAwardedToOtherParty	95000	USD

Files In Submission

Name	View Source	Status
0000885550-21-000134-index-headers.html	Edgar Link	pending
0000885550-21-000134-index.html	Edgar Link	pending
0000885550-21-000134.txt	Edgar Link	pending
0000885550-21-000134-xbrl.zip	Edgar Link	pending
cacc-20210930.htm	Edgar Link	pending
cacc-20210930.xsd	Edgar Link	pending
cacc-20210930xex31a.htm	Edgar Link	pending
cacc-20210930xex32a.htm	Edgar Link	pending
cacc-20210930_cal.xml	Edgar Link	unprocessable
cacc-20210930_def.xml	Edgar Link	unprocessable
cacc-20210930_htm.xml	Edgar Link	completed
cacc-20210930_lab.xml	Edgar Link	unprocessable
cacc-20210930_pre.xml	Edgar Link	unprocessable
FilingSummary.xml	Edgar Link	unprocessable
Financial_Report.xlsx	Edgar Link	pending
MetaLinks.json	Edgar Link	pending
R1.htm	Edgar Link	pending
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report.css	Edgar Link	pending
Show.js	Edgar Link	pending

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$CACC
CREDIT ACCEPTANCE CORP Stock $cacc

2021 Q4 Form 10-Q Financial Statement

#000088555021000134 Filed on November 01, 2021

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$CACC CREDIT ACCEPTANCE CORP Stock $cacc

2021 Q4 Form 10-Q Financial Statement

#000088555021000134 Filed on November 01, 2021

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$CACC
CREDIT ACCEPTANCE CORP Stock $cacc