$CACC
CREDIT ACCEPTANCE CORP Stock $cacc

$cacc Overview Financials Valuation SEC Filings Company Website

2021 Q4 Form 10-K Financial Statement

#000088555022000009 Filed on February 11, 2022

Income Statement

Concept	2021 Q4	2021	2020 Q4
Revenue	$463.2M	$1.856B	$447.4M
YoY Change	3.53%	11.18%	15.94%
Cost Of Revenue		$38.80M
YoY Change		2.37%
Gross Profit		$1.817B
YoY Change		11.39%
Gross Profit Margin		97.91%
Selling, General & Admin	$104.5M	$165.6M	$84.50M
YoY Change	23.67%	19.05%	0.96%
% of Gross Profit		9.11%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$6.600M	$9.700M	$6.300M
YoY Change	4.76%	10.23%	8.62%
% of Gross Profit		0.53%
Operating Expenses	$139.9M	$165.6M	$344.7M
YoY Change	-59.41%	19.05%	192.37%
Operating Profit		$1.652B
YoY Change		10.67%
Interest Expense	-$38.60M	$164.2M	-$45.10M
YoY Change	-14.41%	-14.48%	-11.57%
% of Operating Profit		9.94%
Other Income/Expense, Net
YoY Change
Pretax Income	$284.7M	$1.261B	$216.1M
YoY Change	31.74%	129.46%	0.42%
Income Tax	$67.10M	$302.6M	$49.80M
% Of Pretax Income	23.57%	24.0%	23.04%
Net Earnings	$217.6M	$958.3M	$166.3M
YoY Change	30.85%	127.62%	2.72%
Net Earnings / Revenue	46.98%	51.63%	37.17%
Basic Earnings Per Share		$59.57	$9.47
Diluted Earnings Per Share	$14.78M	$59.52	$9.43
COMMON SHARES
Basic Shares Outstanding	14.54M shares	16.09M shares	17.65M shares
Diluted Shares Outstanding		16.10M shares

Balance Sheet

Concept	2021 Q4	2021	2020 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments	$23.30M	$23.30M	$16.00M
YoY Change	45.63%	45.63%	-91.46%
Cash & Equivalents	$23.30M	$23.30M	$16.00M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets	$132.5M	$132.5M	$163.0M
YoY Change	-18.71%	-18.71%	-35.73%
LONG-TERM ASSETS
Property, Plant & Equipment	$57.30M	$57.30M	$59.40M
YoY Change	-3.54%	-3.54%	-0.5%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$473.0M	$473.0M	$446.3M
YoY Change	5.98%	5.98%	14.55%
Total Long-Term Assets	$6.918B	$6.918B	$7.326B
YoY Change	-5.56%	-5.56%	2.18%
TOTAL ASSETS
Total Short-Term Assets	$132.5M	$132.5M	$163.0M
Total Long-Term Assets	$6.918B	$6.918B	$7.326B
Total Assets	$7.051B	$7.051B	$7.489B
YoY Change	-5.85%	-5.85%	0.89%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable	$175.0M	$174.5M	$185.2M
YoY Change	-5.51%	-5.78%	-9.04%
Accrued Expenses		$500.0K	$1.500M
YoY Change		-66.67%	-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	$175.2M	$186.9M
YoY Change	-6.26%	-6.26%	-9.54%
LONG-TERM LIABILITIES
Long-Term Debt	$4.616B	$4.616B	$4.609B
YoY Change	0.17%	0.17%	1.54%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$4.616B	$4.616B	$4.609B
YoY Change	0.17%	0.17%	1.54%
TOTAL LIABILITIES
Total Short-Term Liabilities	$175.2M	$175.2M	$186.9M
Total Long-Term Liabilities	$4.616B	$4.616B	$4.609B
Total Liabilities	$5.227B	$5.227B	$5.187B
YoY Change	0.78%	0.78%	2.34%
SHAREHOLDERS EQUITY
Retained Earnings	$1.627B		$2.139B
YoY Change	-23.94%		-2.63%
Common Stock	$197.3M		$162.1M
YoY Change	21.71%		2.66%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$1.824B	$1.824B	$2.303B
YoY Change
Total Liabilities & Shareholders Equity	$7.051B	$7.051B	$7.489B
YoY Change	-5.85%	-5.85%	0.89%

Cashflow Statement

Concept	2021 Q4	2021	2020 Q4
OPERATING ACTIVITIES
Net Income	$217.6M	$958.3M	$166.3M
YoY Change	30.85%	127.62%	2.72%
Depreciation, Depletion And Amortization	$6.600M	$9.700M	$6.300M
YoY Change	4.76%	10.23%	8.62%
Cash From Operating Activities	$131.1M	$1.069B	$202.2M
YoY Change	-35.16%	8.55%	-1.03%
INVESTING ACTIVITIES
Capital Expenditures	-$1.500M	$7.600M	-$800.0K
YoY Change	87.5%	-10.59%	-75.0%
Acquisitions
YoY Change
Other Investing Activities	$224.6M	$444.9M	-$14.70M
YoY Change	-1627.89%	-166.9%	-90.07%
Cash From Investing Activities	$223.1M	$437.3M	-$15.50M
YoY Change	-1539.35%	-164.93%	-89.75%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net		$1.460B
YoY Change		203.66%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	-362.3M	-$1.469B	-191.3M
YoY Change	89.39%	239.04%	-273.75%
NET CHANGE
Cash From Operating Activities	131.1M	$1.069B	202.2M
Cash From Investing Activities	223.1M	$437.3M	-15.50M
Cash From Financing Activities	-362.3M	-$1.469B	-191.3M
Net Change In Cash	-8.100M	$38.00M	-4.600M
YoY Change	76.09%	-131.28%	-102.82%
FREE CASH FLOW
Cash From Operating Activities	$131.1M	$1.069B	$202.2M
Capital Expenditures	-$1.500M	$7.600M	-$800.0K
Free Cash Flow	$132.6M	$1.062B	$203.0M
YoY Change	-34.68%	8.71%	-2.17%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
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CY2021	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2021
CY2021	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	FY
CY2021	dei	Amendment Flag AmendmentFlag	false
CY2021	dei	Document Type DocumentType	10-K
CY2021	dei	Document Annual Report DocumentAnnualReport	true
CY2021	dei	Document Period End Date DocumentPeriodEndDate	2021-12-31
CY2021	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
CY2021	dei	Document Transition Report DocumentTransitionReport	false
CY2021	dei	Entity File Number EntityFileNumber	000-20202
CY2021	dei	Entity Registrant Name EntityRegistrantName	CREDIT ACCEPTANCE CORP
CY2021	dei	Entity Incorporation State Country Code EntityIncorporationStateCountryCode	MI
CY2021	dei	Entity Tax Identification Number EntityTaxIdentificationNumber	38-1999511
CY2021	dei	Entity Address Address Line1 EntityAddressAddressLine1	25505 W. Twelve Mile Road
CY2021	dei	Entity Address City Or Town EntityAddressCityOrTown	Southfield,
CY2021	dei	Entity Address State Or Province EntityAddressStateOrProvince	MI
CY2021	dei	Entity Address Postal Zip Code EntityAddressPostalZipCode	48034-8339
CY2021	dei	City Area Code CityAreaCode	248
CY2021	dei	Local Phone Number LocalPhoneNumber	353-2700
CY2021	dei	Security12b Title Security12bTitle	Common Stock, $.01 par value
CY2021	dei	Trading Symbol TradingSymbol	CACC
CY2021	dei	Security Exchange Name SecurityExchangeName	NASDAQ
CY2021	dei	Entity Well Known Seasoned Issuer EntityWellKnownSeasonedIssuer	Yes
CY2021	dei	Entity Voluntary Filers EntityVoluntaryFilers	No
CY2021	dei	Entity Current Reporting Status EntityCurrentReportingStatus	Yes
CY2021	dei	Entity Interactive Data Current EntityInteractiveDataCurrent	Yes
CY2021	dei	Entity Filer Category EntityFilerCategory	Large Accelerated Filer
CY2021	dei	Entity Small Business EntitySmallBusiness	false
CY2021	dei	Entity Emerging Growth Company EntityEmergingGrowthCompany	false
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CY2021	dei	Auditor Firm AuditorFirmId	248
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CY2020	us-gaap	Depreciation Depreciation	8800000	USD
CY2019	us-gaap	Depreciation Depreciation	7300000	USD
CY2021	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	16600000	USD
CY2020	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	15000000.0	USD
CY2019	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	15100000	USD
CY2021	us-gaap	Increase Decrease In Deferred Income Taxes IncreaseDecreaseInDeferredIncomeTaxes	-44700000	USD
CY2020	us-gaap	Increase Decrease In Deferred Income Taxes IncreaseDecreaseInDeferredIncomeTaxes	-68300000	USD
CY2019	us-gaap	Increase Decrease In Deferred Income Taxes IncreaseDecreaseInDeferredIncomeTaxes	-85500000	USD
CY2021	us-gaap	Share Based Compensation ShareBasedCompensation	24800000	USD
CY2020	us-gaap	Share Based Compensation ShareBasedCompensation	6200000	USD
CY2019	us-gaap	Share Based Compensation ShareBasedCompensation	7600000	USD
CY2021	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	0	USD
CY2020	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	-7400000	USD
CY2019	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	-1800000	USD
CY2021	us-gaap	Other Operating Activities Cash Flow Statement OtherOperatingActivitiesCashFlowStatement	-400000	USD
CY2020	us-gaap	Other Operating Activities Cash Flow Statement OtherOperatingActivitiesCashFlowStatement	-700000	USD
CY2019	us-gaap	Other Operating Activities Cash Flow Statement OtherOperatingActivitiesCashFlowStatement	-200000	USD
CY2021	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	-10700000	USD
CY2020	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	-18400000	USD
CY2019	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	17300000	USD
CY2021	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	-37800000	USD
CY2020	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	80800000	USD
CY2019	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	58300000	USD
CY2021	us-gaap	Increase Decrease In Accrued Income Taxes Payable IncreaseDecreaseInAccruedIncomeTaxesPayable	0	USD
CY2020	us-gaap	Increase Decrease In Accrued Income Taxes Payable IncreaseDecreaseInAccruedIncomeTaxesPayable	0	USD
CY2019	us-gaap	Increase Decrease In Accrued Income Taxes Payable IncreaseDecreaseInAccruedIncomeTaxesPayable	-2300000	USD
CY2021	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	19800000	USD
CY2020	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-1500000	USD
CY2019	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-6000000.0	USD
CY2021	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	1069400000	USD
CY2020	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	985200000	USD
CY2019	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	812300000	USD
CY2021	us-gaap	Payments To Acquire Available For Sale Securities Debt PaymentsToAcquireAvailableForSaleSecuritiesDebt	38800000	USD
CY2020	us-gaap	Payments To Acquire Available For Sale Securities Debt PaymentsToAcquireAvailableForSaleSecuritiesDebt	43200000	USD
CY2019	us-gaap	Payments To Acquire Available For Sale Securities Debt PaymentsToAcquireAvailableForSaleSecuritiesDebt	40100000	USD
CY2021	us-gaap	Proceeds From Sale Of Available For Sale Securities Debt ProceedsFromSaleOfAvailableForSaleSecuritiesDebt	22200000	USD
CY2020	us-gaap	Proceeds From Sale Of Available For Sale Securities Debt ProceedsFromSaleOfAvailableForSaleSecuritiesDebt	24800000	USD
CY2019	us-gaap	Proceeds From Sale Of Available For Sale Securities Debt ProceedsFromSaleOfAvailableForSaleSecuritiesDebt	29100000	USD
CY2021	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	18300000	USD
CY2020	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	13000000.0	USD
CY2019	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	11900000	USD
CY2021	us-gaap	Proceeds From Loan And Lease Originations And Principal Collections1 ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1	3808500000	USD
CY2020	us-gaap	Proceeds From Loan And Lease Originations And Principal Collections1 ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1	3170100000	USD
CY2019	us-gaap	Proceeds From Loan And Lease Originations And Principal Collections1 ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1	2971200000	USD
CY2021	cacc	Advances To Dealers AdvancesToDealers	2059000000	USD
CY2020	cacc	Advances To Dealers AdvancesToDealers	2207800000	USD
CY2019	cacc	Advances To Dealers AdvancesToDealers	2424500000	USD
CY2021	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	1108800000	USD
CY2020	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	1433400000	USD
CY2019	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	1347700000	USD
CY2021	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	44100000	USD
CY2020	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	45900000	USD
CY2019	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	58800000	USD
CY2021	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	153400000	USD
CY2020	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	142600000	USD
CY2019	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	138500000	USD
CY2021	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	7600000	USD
CY2020	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	8500000	USD
CY2019	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	26800000	USD
CY2021	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	437300000	USD
CY2020	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-673500000	USD
CY2019	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-1024200000	USD
CY2021	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	1562600000	USD
CY2020	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	5376000000	USD
CY2019	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	3846700000	USD
CY2021	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	1655900000	USD
CY2020	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	5280100000	USD
CY2019	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	4018600000	USD
CY2021	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	1830800000	USD
CY2020	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	2800200000	USD
CY2019	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	2396400000	USD
CY2021	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	1729000000	USD
CY2020	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	2427200000	USD
CY2019	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	2149500000	USD
CY2021	us-gaap	Proceeds From Issuance Of Senior Long Term Debt ProceedsFromIssuanceOfSeniorLongTermDebt	0	USD
CY2020	us-gaap	Proceeds From Issuance Of Senior Long Term Debt ProceedsFromIssuanceOfSeniorLongTermDebt	0	USD
CY2019	us-gaap	Proceeds From Issuance Of Senior Long Term Debt ProceedsFromIssuanceOfSeniorLongTermDebt	800000000.0	USD
CY2021	us-gaap	Repayments Of Senior Debt RepaymentsOfSeniorDebt	0	USD
CY2020	us-gaap	Repayments Of Senior Debt RepaymentsOfSeniorDebt	401800000	USD
CY2019	us-gaap	Repayments Of Senior Debt RepaymentsOfSeniorDebt	148200000	USD
CY2021	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	16400000	USD
CY2020	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	18700000	USD
CY2020Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	396200000	USD
CY2019	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	25500000	USD
CY2021	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	1471800000	USD
CY2020	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	480800000	USD
CY2019	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	300400000	USD
CY2021	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	11800000	USD
CY2020	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	0	USD
CY2019	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	0	USD
CY2021	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	-800000	USD
CY2020	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	-800000	USD
CY2019	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	-600000	USD
CY2021	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	-1468700000	USD
CY2020	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	-433200000	USD
CY2019	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	400300000	USD
CY2021	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	38000000.0	USD
CY2020	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	-121500000	USD
CY2019	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	188400000	USD
CY2019Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	517700000	USD
CY2018Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	329300000	USD
CY2021Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	434200000	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
CY2021	us-gaap	Interest Paid Net InterestPaidNet	149400000	USD
CY2020	us-gaap	Interest Paid Net InterestPaidNet	191600000	USD
CY2019	us-gaap	Interest Paid Net InterestPaidNet	175600000	USD
CY2021	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	213200000	USD
CY2020	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	141500000	USD
CY2019	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	172400000	USD
CY2021	us-gaap	Nature Of Operations NatureOfOperations	<div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Principal Business. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Since 1972, Credit Acceptance Corporation (referred to as the “Company”, “Credit Acceptance”, “we”, “our” or “us”) 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><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><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><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.853%"><tr><td style="width:1.0%"/><td style="width:49.705%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.566%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.566%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.567%"/><td style="width:0.1%"/></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:400;line-height:100%"> </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="15" 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 Years Ended December 31,</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%">Consumer Loan Assignment Volume</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%">2021</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%">2020</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%">2019</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:9pt;text-indent:-9pt"><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%">91.0 </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%">94.9 </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%">95.9 </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></tr></table></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%">In 2020, we began piloting an option that expanded our financing programs to consumers with higher credit ratings. In the fourth quarter of 2021, we made this option available to all Dealers. A portion of the reduction in the percentage of total unit volume with 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 relates to Consumer Loans assigned under this option.</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 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 three years:</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.122%"><tr><td style="width:1.0%"/><td style="width:41.230%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.537%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.469%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.537%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.616%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.537%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.616%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.537%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.621%"/><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%">For the Years Ended December 31,</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;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:10pt;font-weight:400;line-height:100%">2019</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%">67.2 </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%">32.8 </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%">64.3 </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%">35.7 </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:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">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%">64.1 </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%">35.9 </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%">60.6 </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%">39.4 </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:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">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%">67.9 </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%">32.1 </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%">65.0 </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%">35.0 </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><span><br/></span></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-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%;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><span><br/></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: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. Prior to August 5, 2019, we generally required Dealers to group advances into pools of at least 100 Consumer Loans. Beginning August 5, 2019, Dealers may also elect to close a pool containing at least 50 Consumer Loans and assign subsequent advances 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 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%">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><span><br/></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"><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><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%">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><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%">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><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%;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><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%;text-decoration:underline">Program Enrollment</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%">Beginning August 5, 2019, Dealers may enroll in our Portfolio Program without incurring an enrollment fee. Prior to August 5, 2019, Dealers enrolled in our Portfolio Program by (1) paying an up-front, one-time fee of $9,850, or (2) agreeing to allow us to retain 50% of their accelerated Dealer Holdback payment(s) on the first 100 Consumer Loan assignments.</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%">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>
CY2021	cacc	Numberof Portfolio Segments NumberofPortfolioSegments	2	portfolio_segment
	cacc	Number Of Consumers Required To Group Advances NumberOfConsumersRequiredToGroupAdvances	100	loan
	cacc	Number Of Consumers Required To Group Advances NumberOfConsumersRequiredToGroupAdvances	50	loan
CY2021	cacc	Service Fee Income As Percentage Of Collections ServiceFeeIncomeAsPercentageOfCollections	0.20
CY2021	cacc	Number Of Consumer Loans Assigned To Receive Dealer Holdback Payment NumberOfConsumerLoansAssignedToReceiveDealerHoldbackPayment	100	consumerLoans
CY2021	cacc	Revenue From Enrollment And Registration Fees In Program RevenueFromEnrollmentAndRegistrationFeesInProgram	9850	USD
CY2021	cacc	Percentage Of Revenue From Enrollment And Registration Fees In Program PercentageOfRevenueFromEnrollmentAndRegistrationFeesInProgram	0.50
CY2021	cacc	Number Of Consumer Loans Assigned To Receive Accelerated Dealer Holdback Payment NumberOfConsumerLoansAssignedToReceiveAcceleratedDealerHoldbackPayment	100	loan
CY2021	cacc	Number Of Consumer Loans Assigned To Receive Accelerated Dealer Holdback Payment NumberOfConsumerLoansAssignedToReceiveAcceleratedDealerHoldbackPayment	100	loan
CY2021	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	1	portfolio_segment
CY2021	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	1	portfolio_segment
CY2021	us-gaap	Use Of Estimates UseOfEstimates	<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%">Use of Estimates</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 preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (“GAAP”) requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. The accounts which are subject to significant estimation include the allowance for credit losses, finance charge revenue, premiums earned, contingencies, and uncertain tax positions. Actual results could materially differ from those estimates.</span></div>
CY2021Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	23300000	USD
CY2020Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	16000000.0	USD
CY2021Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	410900000	USD
CY2019Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	187400000	USD
CY2020Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	380200000	USD
CY2019Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	330300000	USD
CY2021Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	434200000	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
CY2021	cacc	Monthly Fee Portfolio Program MonthlyFeePortfolioProgram	599	USD
CY2021	us-gaap	Defined Contribution Plan Employer Matching Contribution Percent Of Match DefinedContributionPlanEmployerMatchingContributionPercentOfMatch	1
CY2021	us-gaap	Defined Contribution Plan Employer Matching Contribution Percent DefinedContributionPlanEmployerMatchingContributionPercent	0.04
CY2021	cacc	Defined Contribution Plan Additional Employer Matching Contribution Percentof Match DefinedContributionPlanAdditionalEmployerMatchingContributionPercentofMatch	0.50
CY2021	cacc	Defined Contribution Plan Additional Employer Matching Contribution Percent DefinedContributionPlanAdditionalEmployerMatchingContributionPercent	0.02
CY2021	us-gaap	Defined Contribution Plan Maximum Annual Contributions Per Employee Percent DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent	0.05
CY2021	us-gaap	Defined Contribution Plan Cost Recognized DefinedContributionPlanCostRecognized	7500000	USD
CY2020	us-gaap	Defined Contribution Plan Cost Recognized DefinedContributionPlanCostRecognized	7200000	USD
CY2019	us-gaap	Defined Contribution Plan Cost Recognized DefinedContributionPlanCostRecognized	7100000	USD
CY2021	cacc	Threshold To Determine Probability ThresholdToDetermineProbability	0.50
CY2021	us-gaap	Advertising Expense AdvertisingExpense	300000	USD
CY2020	us-gaap	Advertising Expense AdvertisingExpense	100000	USD
CY2019	us-gaap	Advertising Expense AdvertisingExpense	300000	USD
CY2021Q4	us-gaap	Cash And Cash Equivalents Fair Value Disclosure CashAndCashEquivalentsFairValueDisclosure	23300000	USD
CY2021Q4	cacc	Restricted Cash And Cash Equivalents Fair Value Disclosure RestrictedCashAndCashEquivalentsFairValueDisclosure	410900000	USD
CY2021Q4	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	62100000	USD
CY2021Q4	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	6580400000	USD
CY2021Q4	us-gaap	Lines Of Credit Fair Value Disclosure LinesOfCreditFairValueDisclosure	2600000	USD
CY2021Q4	cacc	Secured Financing Fair Value Disclosure SecuredFinancingFairValueDisclosure	3832100000	USD
CY2021Q4	us-gaap	Notes Payable Fair Value Disclosure NotesPayableFairValueDisclosure	825800000	USD
CY2021Q4	us-gaap	Other Borrowings OtherBorrowings	9700000	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	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	66100000	USD
CY2020Q4	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	7216400000	USD
CY2020Q4	us-gaap	Lines Of Credit Fair Value Disclosure LinesOfCreditFairValueDisclosure	95900000	USD
CY2020Q4	cacc	Secured Financing Fair Value Disclosure SecuredFinancingFairValueDisclosure	3793900000	USD
CY2020Q4	us-gaap	Notes Payable Fair Value Disclosure NotesPayableFairValueDisclosure	842000000.0	USD
CY2020Q4	us-gaap	Other Borrowings OtherBorrowings	10500000	USD
CY2021Q4	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	62000000.0	USD
CY2021Q4	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	500000	USD
CY2021Q4	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	400000	USD
CY2021Q4	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	62100000	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
CY2021Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months	33500000	USD
CY2021Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	400000	USD
CY2021Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger	1300000	USD
CY2021Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	0	USD
CY2021Q4	us-gaap	Debt Securities Available For Sale Unrealized Loss Position DebtSecuritiesAvailableForSaleUnrealizedLossPosition	34800000	USD
CY2021Q4	us-gaap	Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss	400000	USD
CY2020Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months	2200000	USD
CY2020Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	0	USD
CY2020Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger	0	USD
CY2020Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	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
CY2020Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	3336900000	USD
CY2021Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost	2900000	USD
CY2021Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Fair Value AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue	3000000.0	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
CY2021Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost	56900000	USD
CY2021Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	57000000.0	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
CY2021Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost	2100000	USD
CY2021Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	2000000.0	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
CY2020	cacc	Finance Charges Revenue FinanceChargesRevenue	1562400000	USD
CY2021Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost	100000	USD
CY2021Q4	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
CY2021Q4	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	62000000.0	USD
CY2021Q4	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	62100000	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
CY2021Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	9349800000	USD
CY2021Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	3013500000	USD
CY2021Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6336300000	USD
CY2020Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	10124800000	USD
CY2020Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6787900000	USD
CY2020Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6787900000	USD
CY2021	cacc	Finance Charges Revenue FinanceChargesRevenue	1742600000	USD
CY2021	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	8400000	USD
CY2021	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	3167800000	USD
CY2021	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	5559700000	USD
CY2021	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	44100000	USD
CY2021	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	153400000	USD
CY2021	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	USD
CY2021	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	0	USD
CY2021	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	0	USD
CY2021	cacc	Deferral Of Loan Origination Costs DeferralOfLoanOriginationCosts	8600000	USD
CY2021Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6336300000	USD
CY2019Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6685200000	USD
CY2020	cacc	Adoptionof Cecl AdoptionofCECL	0	USD
CY2019	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	138500000	USD
CY2019	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	USD
CY2020	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	556900000	USD
CY2020	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	3641200000	USD
CY2020	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	4741400000	USD
CY2020	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	45900000	USD
CY2020	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	142600000	USD
CY2020	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	USD
CY2020	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	0	USD
CY2020	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	0	USD
CY2020	cacc	Deferral Of Loan Origination Costs DeferralOfLoanOriginationCosts	8900000	USD
CY2020Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6787900000	USD
CY2018Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	5763300000	USD
CY2019	cacc	Finance Charges Revenue FinanceChargesRevenue	1369400000	USD
CY2019	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	76400000	USD
CY2019	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	3772200000	USD
CY2019	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	4349500000	USD
CY2019	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	58800000	USD
CY2019	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	0	USD
CY2019	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	0	USD
CY2019	cacc	Deferral Of Loan Origination Costs DeferralOfLoanOriginationCosts	8900000	USD
CY2019Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6685200000	USD
CY2021	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	8400000	USD
CY2020	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	556900000	USD
CY2021	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	5526600000	USD
CY2021	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	4430000000	USD
CY2021	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	3167800000	USD
CY2021	cacc	Expected Future Finance Charges At The Time Of Assignment ExpectedFutureFinanceChargesAtTheTimeOfAssignment	1627300000	USD
CY2021	cacc	Expected Net Loan Income At The Time Of Assignment ExpectedNetLoanIncomeAtTheTimeOfAssignment	1262200000	USD
CY2020	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	6658100000	USD
CY2020	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	5131600000	USD
CY2020	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	3641200000	USD
CY2020	cacc	Expected Future Finance Charges At The Time Of Assignment ExpectedFutureFinanceChargesAtTheTimeOfAssignment	2009000000	USD
CY2018Q4	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	2065500000	USD
CY2020	cacc	Expected Net Loan Income At The Time Of Assignment ExpectedNetLoanIncomeAtTheTimeOfAssignment	1490400000	USD
CY2019	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	6763900000	USD
CY2019	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	5305000000	USD
CY2019	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	3772200000	USD
CY2019	cacc	Expected Future Finance Charges At The Time Of Assignment ExpectedFutureFinanceChargesAtTheTimeOfAssignment	1532800000	USD
CY2019	cacc	Expected Net Loan Income At The Time Of Assignment ExpectedNetLoanIncomeAtTheTimeOfAssignment	1532800000	USD
CY2020Q4	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9544400000	USD
CY2021	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	4430000000	USD
CY2021	cacc	Realized Net Cash Flows RealizedNetCashFlows	-5362200000	USD
CY2021	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	326100000	USD
CY2021	cacc	Transfer Of Expected Future Net Cash Flows Between Programs TransferOfExpectedFutureNetCashFlowsBetweenPrograms	10000000.0	USD
CY2021Q4	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	8948300000	USD
CY2019Q4	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9005200000	USD
CY2020	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	5131600000	USD
CY2020	cacc	Realized Net Cash Flows RealizedNetCashFlows	-4552900000	USD
CY2020	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	-46300000	USD
CY2020	cacc	Transfer Of Expected Future Net Cash Flows Between Programs TransferOfExpectedFutureNetCashFlowsBetweenPrograms	6800000	USD
CY2020Q4	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9544400000	USD
CY2018Q4	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	7828800000	USD
CY2019	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	5305000000	USD
CY2019	cacc	Realized Net Cash Flows RealizedNetCashFlows	-4152200000	USD
CY2019	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	14600000	USD
CY2019	cacc	Transfer Of Expected Future Net Cash Flows Between Programs TransferOfExpectedFutureNetCashFlowsBetweenPrograms	9000000.0	USD
CY2019Q4	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9005200000	USD
CY2021Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	9349800000	USD
CY2020Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	10124800000	USD
CY2021Q1	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	-206500000	USD
CY2021Q1	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes By Percentage CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChangesByPercentage	0.023
CY2021Q4	cacc	Data Processing Equipment And Software DataProcessingEquipmentAndSoftware	46500000	USD
CY2019	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions	1532800000	USD
CY2019	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	1378200000	USD
CY2019	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications To From Nonaccretable Difference CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsToFromNonaccretableDifference	76400000	USD
CY2019	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	14600000	USD
CY2019	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers	8900000	USD
CY2019Q4	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield	2320000000	USD
CY2021Q4	us-gaap	Land And Land Improvements LandAndLandImprovements	2900000	USD
CY2020Q4	us-gaap	Land And Land Improvements LandAndLandImprovements	2900000	USD
CY2021Q4	us-gaap	Buildings And Improvements Gross BuildingsAndImprovementsGross	59100000	USD
CY2020Q4	us-gaap	Buildings And Improvements Gross BuildingsAndImprovementsGross	59300000	USD
CY2020Q4	cacc	Data Processing Equipment And Software DataProcessingEquipmentAndSoftware	41100000	USD
CY2021Q4	us-gaap	Furniture And Fixtures Gross FurnitureAndFixturesGross	3400000	USD
CY2020Q4	us-gaap	Furniture And Fixtures Gross FurnitureAndFixturesGross	3400000	USD
CY2021Q4	us-gaap	Leasehold Improvements Gross LeaseholdImprovementsGross	700000	USD
CY2020Q4	us-gaap	Leasehold Improvements Gross LeaseholdImprovementsGross	2300000	USD
CY2021Q4	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	112600000	USD
CY2020Q4	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	109000000.0	USD
CY2021Q4	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	55300000	USD
CY2020Q4	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	49600000	USD
CY2021Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	57300000	USD
CY2020Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	59400000	USD
CY2021	us-gaap	Depreciation Depreciation	9700000	USD
CY2020	us-gaap	Depreciation Depreciation	8800000	USD
CY2019	us-gaap	Depreciation Depreciation	7300000	USD
CY2021	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	56400000	USD
CY2020	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	61700000	USD
CY2019	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	51800000	USD
CY2021	us-gaap	Premiums Earned Net PremiumsEarnedNet	60300000	USD
CY2020	us-gaap	Premiums Earned Net PremiumsEarnedNet	57300000	USD
CY2019	us-gaap	Premiums Earned Net PremiumsEarnedNet	51000000.0	USD
CY2021	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	38800000	USD
CY2020	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	37900000	USD
CY2019	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	30100000	USD
CY2021	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	1400000	USD
CY2020	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	1400000	USD
CY2019	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	1300000	USD
CY2021	us-gaap	Schedule Of Liability For Unpaid Claims And Claims Adjustment Expense ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense	<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 following tables present information about incurred and paid claims development for the five-year period ended December 31, 2021:</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.415%"><tr><td style="width:1.0%"/><td style="width:11.400%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.664%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.664%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.664%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.664%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.664%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.664%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.671%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt;text-indent:-9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Dollars in millions)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="border-bottom: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%">Cumulative Incurred Claims</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%">As of December 31, 2021</span></td></tr><tr style="height:18pt"><td colspan="3" rowspan="2" 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%">Incident Year</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="27" 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%">As of December 31,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" 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%">Claims Reserve</span></td><td colspan="3" rowspan="2" style="border-top:2pt solid #000000;padding:0 1pt"/><td colspan="3" rowspan="2" 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%">Cumulative Number of Reported Claims</span></td></tr><tr style="height:18pt"><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%">2017</span></td><td colspan="3" style="border-top:2pt solid #000000;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%">2018</span></td><td colspan="3" style="border-top:2pt solid #000000;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%">2019</span></td><td colspan="3" style="border-top:2pt solid #000000;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="border-top:2pt solid #000000;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="padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 7.75pt;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%">2017</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:2pt solid #000;padding:2px 0 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%">$</span></td><td style="background-color:#cceeff;border-top:2pt solid #000;padding: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%">22.3 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:2pt solid #000;padding:2px 0 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%">$</span></td><td style="background-color:#cceeff;border-top:2pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22.5 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:2pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:2pt solid #000;padding: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%">22.6 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:2pt solid #000;padding:2px 0 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%">$</span></td><td style="background-color:#cceeff;border-top:2pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22.6 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:2pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:2pt solid #000;padding: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%">22.6 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 0 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%">$</span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding: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 style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">20,462 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;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%">2018</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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%">25.8 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">25.7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">25.8 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">25.8 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">22,310 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;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%">2019</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><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"/><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%">30.2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">30.2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">— </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">24,419 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;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%">2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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%">37.7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">37.6 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">— </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">28,206 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;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%">2021</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><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%">38.9 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">2.4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">28,091 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 19pt;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%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:2pt solid #000000;padding:2px 0 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:2pt solid #000000;padding: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%">155.1 </span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:2pt solid #000000;padding:2px 0 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:2pt solid #000000;padding: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%">2.4 </span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;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%">123,488 </span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div>
CY2021Q4	us-gaap	Liability For Unpaid Claims And Claims Adjustment Expense Reported Claims Amount LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseReportedClaimsAmount	155100000	USD
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CY2021Q4	us-gaap	Loss Contingency Pending Claims Number LossContingencyPendingClaimsNumber	123488	USD
CY2021Q4	cacc	Cumulative Paid Claims CumulativePaidClaims	152700000	USD
CY2021	us-gaap	Other Income OtherIncome	53100000	USD
CY2020	us-gaap	Other Income OtherIncome	49600000	USD
CY2019	us-gaap	Other Income OtherIncome	68600000	USD
CY2021	cacc	Payment Holdback Percentage PaymentHoldbackPercentage	0.50
CY2021	cacc	Revenue From Enrollment And Registration Fees In Program RevenueFromEnrollmentAndRegistrationFeesInProgram	9850	USD
CY2021	cacc	Revenue From Enrollment And Registration Fees In Program RevenueFromEnrollmentAndRegistrationFeesInProgram	9850	USD
CY2021	cacc	Payment Holdback Percentage PaymentHoldbackPercentage	0.50
CY2021	cacc	Payment Holdback Percentage PaymentHoldbackPercentage	0.50
CY2021	us-gaap	Other Income OtherIncome	53100000	USD
CY2021	us-gaap	Other Income OtherIncome	53100000	USD
CY2021Q4	cacc	Debt Instrument Principal Outstanding DebtInstrumentPrincipalOutstanding	4642700000	USD
CY2021Q4	us-gaap	Unamortized Debt Issuance Expense UnamortizedDebtIssuanceExpense	26400000	USD
CY2021Q4	us-gaap	Debt Instrument Fair Value DebtInstrumentFairValue	4616300000	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
CY2021Q4	cacc	Maximum Hedging Reserve MaximumHedgingReserve	1000000	USD
CY2020Q4	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	-1800000	USD
CY2021Q4	us-gaap	Deferred Tax Assets Gross DeferredTaxAssetsGross	751100000	USD
CY2020Q4	us-gaap	Deferred Tax Assets Gross DeferredTaxAssetsGross	833800000	USD
CY2020Q1	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	-7400000	USD
CY2021Q4	us-gaap	Long Term Debt Maturities Repayments Of Principal In Next Rolling Twelve Months LongTermDebtMaturitiesRepaymentsOfPrincipalInNextRollingTwelveMonths	1431300000	USD
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CY2021Q4	us-gaap	Long Term Debt Maturities Repayments Of Principal In Year Three LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree	1105800000	USD
CY2021Q4	us-gaap	Long Term Debt Maturities Repayments Of Principal In Year Four LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour	31200000	USD
CY2021Q4	us-gaap	Long Term Debt Maturities Repayments Of Principal In Year Five LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive	400000000.0	USD
CY2021Q4	us-gaap	Long Term Debt Maturities Repayments Of Principal After Year Five LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive	0	USD
CY2021Q4	us-gaap	Debt Instrument Carrying Amount DebtInstrumentCarryingAmount	4642700000	USD
CY2021Q4	cacc	Debt Instrument Covenant Net Income For Past Two Quarters DebtInstrumentCovenantNetIncomeForPastTwoQuarters	1	USD
CY2021Q4	us-gaap	Derivative Fair Value Of Derivative Asset Amount Not Offset Against Collateral DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral	200000	USD
CY2020Q4	us-gaap	Derivative Fair Value Of Derivative Asset Amount Not Offset Against Collateral DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral	100000	USD
CY2021	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	1260900000	USD
CY2020	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	549500000	USD
CY2019	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	855900000	USD
CY2021	us-gaap	Current Federal Tax Expense Benefit CurrentFederalTaxExpenseBenefit	217900000	USD
CY2020	us-gaap	Current Federal Tax Expense Benefit CurrentFederalTaxExpenseBenefit	53800000	USD
CY2019	us-gaap	Current Federal Tax Expense Benefit CurrentFederalTaxExpenseBenefit	94100000	USD
CY2021	us-gaap	Current State And Local Tax Expense Benefit CurrentStateAndLocalTaxExpenseBenefit	38600000	USD
CY2020	us-gaap	Current State And Local Tax Expense Benefit CurrentStateAndLocalTaxExpenseBenefit	6600000	USD
CY2019	us-gaap	Current State And Local Tax Expense Benefit CurrentStateAndLocalTaxExpenseBenefit	18700000	USD
CY2021	us-gaap	Current Income Tax Expense Benefit CurrentIncomeTaxExpenseBenefit	256500000	USD
CY2020	us-gaap	Current Income Tax Expense Benefit CurrentIncomeTaxExpenseBenefit	60400000	USD
CY2019	us-gaap	Current Income Tax Expense Benefit CurrentIncomeTaxExpenseBenefit	112800000	USD
CY2021	us-gaap	Deferred Federal Income Tax Expense Benefit DeferredFederalIncomeTaxExpenseBenefit	36700000	USD
CY2020	us-gaap	Deferred Federal Income Tax Expense Benefit DeferredFederalIncomeTaxExpenseBenefit	57300000	USD
CY2019	us-gaap	Deferred Federal Income Tax Expense Benefit DeferredFederalIncomeTaxExpenseBenefit	70700000	USD
CY2021	us-gaap	Deferred State And Local Income Tax Expense Benefit DeferredStateAndLocalIncomeTaxExpenseBenefit	7900000	USD
CY2020	us-gaap	Deferred State And Local Income Tax Expense Benefit DeferredStateAndLocalIncomeTaxExpenseBenefit	11000000.0	USD
CY2019	us-gaap	Deferred State And Local Income Tax Expense Benefit DeferredStateAndLocalIncomeTaxExpenseBenefit	14800000	USD
CY2021	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	44600000	USD
CY2020	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	68300000	USD
CY2019	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	85500000	USD
CY2021	us-gaap	Unrecognized Tax Benefits Interest On Income Taxes Expense UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense	1500000	USD
CY2020	us-gaap	Unrecognized Tax Benefits Interest On Income Taxes Expense UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense	-200000	USD
CY2019	us-gaap	Unrecognized Tax Benefits Interest On Income Taxes Expense UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense	1500000	USD
CY2021	us-gaap	Unrecognized Tax Benefits Income Tax Penalties Expense UnrecognizedTaxBenefitsIncomeTaxPenaltiesExpense	0	USD
CY2020	us-gaap	Unrecognized Tax Benefits Income Tax Penalties Expense UnrecognizedTaxBenefitsIncomeTaxPenaltiesExpense	0	USD
CY2019	us-gaap	Unrecognized Tax Benefits Income Tax Penalties Expense UnrecognizedTaxBenefitsIncomeTaxPenaltiesExpense	0	USD
CY2021	us-gaap	Unrecognized Tax Benefits Income Tax Penalties And Interest Expense UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense	1500000	USD
CY2020	us-gaap	Unrecognized Tax Benefits Income Tax Penalties And Interest Expense UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense	-200000	USD
CY2019	us-gaap	Unrecognized Tax Benefits Income Tax Penalties And Interest Expense UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense	1500000	USD
CY2021	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	302600000	USD
CY2020	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	128500000	USD
CY2019	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	199800000	USD
CY2021Q4	us-gaap	Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Allowance For Doubtful Accounts DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts	721800000	USD
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CY2021Q4	us-gaap	Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost	16300000	USD
CY2020Q4	us-gaap	Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost	15800000	USD
CY2021Q4	us-gaap	Deferred Tax Assets Operating Loss Carryforwards State And Local DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal	2100000	USD
CY2020Q4	us-gaap	Deferred Tax Assets Operating Loss Carryforwards State And Local DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal	4300000	USD
CY2021Q4	us-gaap	Deferred Tax Assets Other DeferredTaxAssetsOther	10900000	USD
CY2020Q4	us-gaap	Deferred Tax Assets Other DeferredTaxAssetsOther	12300000	USD
CY2021Q4	us-gaap	Deferred Tax Liabilities Financing Arrangements DeferredTaxLiabilitiesFinancingArrangements	1169600000	USD
CY2020Q4	us-gaap	Deferred Tax Liabilities Financing Arrangements DeferredTaxLiabilitiesFinancingArrangements	1208500000	USD
CY2021Q4	us-gaap	Deferred Tax Liabilities Deferred Expense Deferred Financing Costs DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts	1600000	USD
CY2020Q4	us-gaap	Deferred Tax Liabilities Deferred Expense Deferred Financing Costs DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts	1600000	USD
CY2021Q4	us-gaap	Deferred Tax Liabilities Other DeferredTaxLiabilitiesOther	15100000	USD
CY2020Q4	us-gaap	Deferred Tax Liabilities Other DeferredTaxLiabilitiesOther	14700000	USD
CY2021Q4	us-gaap	Deferred Income Tax Liabilities DeferredIncomeTaxLiabilities	1186300000	USD
CY2020Q4	us-gaap	Deferred Income Tax Liabilities DeferredIncomeTaxLiabilities	1224800000	USD
CY2021Q4	us-gaap	Deferred Income Tax Liabilities Net DeferredIncomeTaxLiabilitiesNet	435200000	USD
CY2020Q4	us-gaap	Deferred Income Tax Liabilities Net DeferredIncomeTaxLiabilitiesNet	391000000.0	USD
CY2021	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.210
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CY2021	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.030
CY2020	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.027
CY2019	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.031
CY2021	us-gaap	Effective Income Tax Rate Reconciliation Deductions EffectiveIncomeTaxRateReconciliationDeductions	0.003
CY2020	us-gaap	Effective Income Tax Rate Reconciliation Deductions EffectiveIncomeTaxRateReconciliationDeductions	0.005
CY2019	us-gaap	Effective Income Tax Rate Reconciliation Deductions EffectiveIncomeTaxRateReconciliationDeductions	0.009
CY2021	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.003
CY2020	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.002
CY2019	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.001
CY2021	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.240
CY2020	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.234
CY2019	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.233
CY2020Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	41800000	USD
CY2019	us-gaap	Unrecognized Tax Benefits Reductions Resulting From Lapse Of Applicable Statute Of Limitations UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations	4700000	USD
CY2019Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	41700000	USD
CY2018Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	38700000	USD
CY2021	us-gaap	Unrecognized Tax Benefits Increases Resulting From Current Period Tax Positions UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions	13400000	USD
CY2020	us-gaap	Unrecognized Tax Benefits Increases Resulting From Current Period Tax Positions UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions	10200000	USD
CY2019	us-gaap	Unrecognized Tax Benefits Increases Resulting From Current Period Tax Positions UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions	10000000.0	USD
CY2021	us-gaap	Unrecognized Tax Benefits Increases Resulting From Prior Period Tax Positions UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions	900000	USD
CY2020	us-gaap	Unrecognized Tax Benefits Increases Resulting From Prior Period Tax Positions UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions	100000	USD
CY2019	us-gaap	Unrecognized Tax Benefits Increases Resulting From Prior Period Tax Positions UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions	0	USD
CY2021	us-gaap	Unrecognized Tax Benefits Decreases Resulting From Prior Period Tax Positions UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions	0	USD
CY2020	us-gaap	Unrecognized Tax Benefits Decreases Resulting From Prior Period Tax Positions UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions	0	USD
CY2019	us-gaap	Unrecognized Tax Benefits Decreases Resulting From Prior Period Tax Positions UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions	0	USD
CY2021	us-gaap	Unrecognized Tax Benefits Decreases Resulting From Settlements With Taxing Authorities UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities	0	USD
CY2020	us-gaap	Unrecognized Tax Benefits Decreases Resulting From Settlements With Taxing Authorities UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities	4600000	USD
CY2019	us-gaap	Unrecognized Tax Benefits Decreases Resulting From Settlements With Taxing Authorities UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities	2300000	USD
CY2021	us-gaap	Unrecognized Tax Benefits Reductions Resulting From Lapse Of Applicable Statute Of Limitations UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations	6700000	USD
CY2020	us-gaap	Unrecognized Tax Benefits Reductions Resulting From Lapse Of Applicable Statute Of Limitations UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations	5600000	USD
CY2021	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	358683	shares
CY2021Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	49400000	USD
CY2020Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	41800000	USD
CY2019Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	41700000	USD
CY2021Q4	us-gaap	Unrecognized Tax Benefits That Would Impact Effective Tax Rate UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate	49400000	USD
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CY2021	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	14729	shares
CY2020	cacc	Dilutive Securities Restricted Stock And Restricted Stock Units DilutiveSecuritiesRestrictedStockAndRestrictedStockUnits	76844	shares
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CY2021	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	349222	shares
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CY2021	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	2884126	shares
CY2021	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	1471800000	USD
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CY2019	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	300400000	USD
CY2017Q1	cacc	Stock Repurchase Program Number Of Shares Authorized To Be Repurchased Increase StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchasedIncrease	2000000	shares
CY2021Q4	us-gaap	Stock Repurchase Program Number Of Shares Authorized To Be Repurchased StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased	1625550	shares
CY2021Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Number Of Shares Authorized ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized	2750000	shares
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CY2021	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate Minimum ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum	0.004
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CY2021	cacc	Stock Options Valuation Assumptions Expected Volatility Rate Minimum StockOptionsValuationAssumptionsExpectedVolatilityRateMinimum	0.370
CY2021	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1 SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1	P4Y6M
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CY2019	cacc	Share Based Compensation Arrangement By Share Based Payment Award Non Option Equity Instruments Exercises In Period Total Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercisesInPeriodTotalIntrinsicValue	36900000	USD
CY2021	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Vested In Period Total Fair Value ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue	8300000	USD
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CY2019	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Vested In Period Total Fair Value ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue	7900000	USD
CY2021	us-gaap	Share Based Compensation ShareBasedCompensation	24800000	USD
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CY2021	us-gaap	Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Period For Recognition1 EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1	P1Y6M
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CY2021Q4	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs In Three Years EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInThreeYears	34300000	USD
CY2021Q4	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs In Four Years EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInFourYears	2500000	USD
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CY2021Q4	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs After Five Years EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsAfterFiveYears	0	USD
CY2021Q4	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs Total EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsTotal	107600000	USD
CY2021	us-gaap	Number Of Operating Segments NumberOfOperatingSegments	1
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CY2021	us-gaap	Operating Lease Expense OperatingLeaseExpense	1400000	USD
CY2020	us-gaap	Operating Lease Expense OperatingLeaseExpense	1700000	USD
CY2019	us-gaap	Operating Lease Expense OperatingLeaseExpense	1800000	USD
CY2021Q4	us-gaap	Lessee Operating Lease Liability Payments Due Next Twelve Months LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths	1100000	USD
CY2021Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Two LesseeOperatingLeaseLiabilityPaymentsDueYearTwo	600000	USD
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CY2021Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Five LesseeOperatingLeaseLiabilityPaymentsDueYearFive	0	USD
CY2021Q4	us-gaap	Lessee Operating Lease Liability Payments Due LesseeOperatingLeaseLiabilityPaymentsDue	2400000	USD

Files In Submission

Name	View Source	Status
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cacc-20211231.htm	Edgar Link	pending
cacc-20211231.xsd	Edgar Link	pending
cacc-20211231xex21.htm	Edgar Link	pending
cacc-20211231xex23.htm	Edgar Link	pending
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cacc-20211231xex32a.htm	Edgar Link	pending
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$CACC
CREDIT ACCEPTANCE CORP Stock $cacc

2021 Q4 Form 10-K Financial Statement

#000088555022000009 Filed on February 11, 2022

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$CACC CREDIT ACCEPTANCE CORP Stock $cacc

2021 Q4 Form 10-K Financial Statement

#000088555022000009 Filed on February 11, 2022

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$CACC
CREDIT ACCEPTANCE CORP Stock $cacc