$CACC
CREDIT ACCEPTANCE CORP Stock $cacc

$cacc Overview Financials Valuation SEC Filings Company Website

2022 Q4 Form 10-Q Financial Statement

#000088555022000082 Filed on November 01, 2022

Income Statement

Concept	2022 Q4	2022 Q3
Revenue	$459.0M	$460.3M
YoY Change	-0.91%	-2.08%
Cost Of Revenue		$12.90M
YoY Change		29.0%
Gross Profit		$447.4M
YoY Change		-2.76%
Gross Profit Margin		97.2%
Selling, General & Admin	$103.9M	$36.30M
YoY Change	-0.57%	9.34%
% of Gross Profit		8.11%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$6.300M	$6.200M
YoY Change	-4.55%	-8.82%
% of Gross Profit		1.39%
Operating Expenses	$246.6M	$36.30M
YoY Change	76.27%	9.34%
Operating Profit		$411.1M
YoY Change		-3.7%
Interest Expense	-$49.40M	$41.80M
YoY Change	27.98%	5.03%
% of Operating Profit		10.17%
Other Income/Expense, Net
YoY Change
Pretax Income	$163.0M	$122.1M
YoY Change	-42.75%	-63.25%
Income Tax	$35.70M	$35.30M
% Of Pretax Income	21.9%	28.91%
Net Earnings	$127.3M	$86.80M
YoY Change	-41.5%	-65.28%
Net Earnings / Revenue	27.73%	18.86%
Basic Earnings Per Share		$6.53
Diluted Earnings Per Share	$9.58	$6.49
COMMON SHARES
Basic Shares Outstanding	12.92M shares	12.92M shares
Diluted Shares Outstanding		13.36M shares

Balance Sheet

Concept	2022 Q4	2022 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments	$7.700M	$10.70M
YoY Change	-66.95%	-19.55%
Cash & Equivalents	$7.700M	$10.70M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets	$16.40M	$39.70M
YoY Change	-87.62%	3.66%
LONG-TERM ASSETS
Property, Plant & Equipment	$51.40M	$52.40M
YoY Change	-10.3%	-10.12%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$482.3M	$452.7M
YoY Change	1.97%	-8.75%
Total Long-Term Assets	$6.888B	$6.853B
YoY Change	-0.44%	-4.3%
TOTAL ASSETS
Total Short-Term Assets	$16.40M	$39.70M
Total Long-Term Assets	$6.888B	$6.853B
Total Assets	$6.905B	$6.892B
YoY Change	-2.07%	-4.26%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable	$259.5M	$239.0M
YoY Change	48.29%	-4.89%
Accrued Expenses	$1.300M
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$263.3M	$239.2M
YoY Change	50.29%	-4.89%
LONG-TERM LIABILITIES
Long-Term Debt	$4.591B	$4.626B
YoY Change	-0.55%	0.41%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$4.591B	$4.626B
YoY Change	-0.55%	0.41%
TOTAL LIABILITIES
Total Short-Term Liabilities	$263.3M	$239.2M
Total Long-Term Liabilities	$4.591B	$4.626B
Total Liabilities	$5.281B	$5.303B
YoY Change	1.03%	1.11%
SHAREHOLDERS EQUITY
Retained Earnings	$1.381B	$1.357B
YoY Change	-15.1%	-24.08%
Common Stock	$245.8M	$235.9M
YoY Change	24.58%	42.02%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$1.624B	$1.589B
YoY Change
Total Liabilities & Shareholders Equity	$6.905B	$6.892B
YoY Change	-2.07%	-4.26%

Cashflow Statement

Concept	2022 Q4	2022 Q3
OPERATING ACTIVITIES
Net Income	$127.3M	$86.80M
YoY Change	-41.5%	-65.28%
Depreciation, Depletion And Amortization	$6.300M	$6.200M
YoY Change	-4.55%	-8.82%
Cash From Operating Activities	$286.8M	$326.3M
YoY Change	118.76%	20.94%
INVESTING ACTIVITIES
Capital Expenditures	$1.200M	-$900.0K
YoY Change	-180.0%	-70.0%
Acquisitions
YoY Change
Other Investing Activities	-$120.3M	-$171.8M
YoY Change	-153.56%	-187.83%
Cash From Investing Activities	-$121.5M	-$172.7M
YoY Change	-154.46%	-189.67%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	-143.0M	-189.0M
YoY Change	-60.53%	-78.55%
NET CHANGE
Cash From Operating Activities	286.8M	326.3M
Cash From Investing Activities	-121.5M	-172.7M
Cash From Financing Activities	-143.0M	-189.0M
Net Change In Cash	22.30M	-35.40M
YoY Change	-375.31%	-91.54%
FREE CASH FLOW
Cash From Operating Activities	$286.8M	$326.3M
Capital Expenditures	$1.200M	-$900.0K
Free Cash Flow	$285.6M	$327.2M
YoY Change	115.38%	19.94%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
	dei	Amendment Flag AmendmentFlag	false
	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2022
	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	Q3
	dei	Entity Central Index Key EntityCentralIndexKey	0000885550
	dei	Entity Current Reporting Status EntityCurrentReportingStatus	Yes
	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
	dei	Document Type DocumentType	10-Q
	dei	Document Quarterly Report DocumentQuarterlyReport	true
	dei	Document Period End Date DocumentPeriodEndDate	2022-09-30
	dei	Document Transition Report DocumentTransitionReport	false
	dei	Entity File Number EntityFileNumber	000-20202
	dei	Entity Registrant Name EntityRegistrantName	CREDIT ACCEPTANCE CORP
	dei	Entity Incorporation State Country Code EntityIncorporationStateCountryCode	MI
	dei	Entity Tax Identification Number EntityTaxIdentificationNumber	38-1999511
	dei	Entity Address Address Line1 EntityAddressAddressLine1	25505 W. Twelve Mile Road
	dei	Entity Address City Or Town EntityAddressCityOrTown	Southfield,
	dei	Entity Address State Or Province EntityAddressStateOrProvince	MI
	dei	Entity Address Postal Zip Code EntityAddressPostalZipCode	48034-8339
	dei	City Area Code CityAreaCode	248
	dei	Local Phone Number LocalPhoneNumber	353-2700
	dei	Security12b Title Security12bTitle	Common Stock, $.01 par value
	dei	Trading Symbol TradingSymbol	CACC
	dei	Security Exchange Name SecurityExchangeName	NASDAQ
	dei	Entity Interactive Data Current EntityInteractiveDataCurrent	Yes
	dei	Entity Filer Category EntityFilerCategory	Large Accelerated Filer
	dei	Entity Small Business EntitySmallBusiness	false
	dei	Entity Emerging Growth Company EntityEmergingGrowthCompany	false
	dei	Entity Shell Company EntityShellCompany	false
CY2022Q4	dei	Entity Common Stock Shares Outstanding EntityCommonStockSharesOutstanding	12924711	shares
CY2022Q3	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	10700000	usd
CY2021Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	23300000	usd
CY2022Q3	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	384700000	usd
CY2021Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	410900000	usd
CY2022Q3	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	68000000.0	usd
CY2021Q4	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	62100000	usd
CY2022Q3	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	9186400000	usd
CY2021Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	9349800000	usd
CY2022Q3	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	2874800000	usd
CY2021Q4	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	3013500000	usd
CY2022Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6311600000	usd
CY2021Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6336300000	usd
CY2022Q3	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	52400000	usd
CY2021Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	57300000	usd
CY2022Q3	us-gaap	Income Tax Receivable IncomeTaxReceivable	29000000.0	usd
CY2021Q4	us-gaap	Income Tax Receivable IncomeTaxReceivable	109200000	usd
CY2022Q3	us-gaap	Other Assets OtherAssets	36000000.0	usd
CY2021Q4	us-gaap	Other Assets OtherAssets	51800000	usd
CY2022Q3	us-gaap	Assets Assets	6892400000	usd
CY2021Q4	us-gaap	Assets Assets	7050900000	usd
CY2022Q3	us-gaap	Accounts Payable And Accrued Liabilities Current AccountsPayableAndAccruedLiabilitiesCurrent	239000000.0	usd
CY2021Q4	us-gaap	Accounts Payable And Accrued Liabilities Current AccountsPayableAndAccruedLiabilitiesCurrent	175000000.0	usd
CY2022Q3	us-gaap	Line Of Credit LineOfCredit	188900000	usd
CY2021Q4	us-gaap	Line Of Credit LineOfCredit	2600000	usd
CY2022Q3	us-gaap	Secured Debt SecuredDebt	3634100000	usd
CY2021Q4	us-gaap	Secured Debt SecuredDebt	3811500000	usd
CY2022Q3	us-gaap	Senior Long Term Notes SeniorLongTermNotes	793900000	usd
CY2021Q4	us-gaap	Senior Long Term Notes SeniorLongTermNotes	792500000	usd
CY2022Q3	us-gaap	Other Borrowings OtherBorrowings	9000000.0	usd
CY2021Q4	us-gaap	Other Borrowings OtherBorrowings	9700000	usd
CY2022Q3	us-gaap	Deferred Income Tax Liabilities Net DeferredIncomeTaxLiabilitiesNet	438100000	usd
CY2021Q4	us-gaap	Deferred Income Tax Liabilities Net DeferredIncomeTaxLiabilitiesNet	435200000	usd
CY2022Q3	us-gaap	Accrued Income Taxes AccruedIncomeTaxes	200000	usd
CY2021Q4	us-gaap	Accrued Income Taxes AccruedIncomeTaxes	200000	usd
CY2022Q3	us-gaap	Liabilities Liabilities	5303200000	usd
CY2021Q4	us-gaap	Liabilities Liabilities	5226700000	usd
CY2022Q3	us-gaap	Commitments And Contingencies CommitmentsAndContingencies		usd
CY2021Q4	us-gaap	Commitments And Contingencies CommitmentsAndContingencies		usd
CY2022Q3	us-gaap	Preferred Stock Par Or Stated Value Per Share PreferredStockParOrStatedValuePerShare	0.01
CY2022Q3	us-gaap	Preferred Stock Shares Authorized PreferredStockSharesAuthorized	1000000	shares
CY2022Q3	us-gaap	Preferred Stock Shares Issued PreferredStockSharesIssued	0	shares
CY2022Q3	us-gaap	Preferred Stock Value PreferredStockValue	0	usd
CY2021Q4	us-gaap	Preferred Stock Value PreferredStockValue	0	usd
CY2021Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
CY2022Q3	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
CY2022Q3	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	80000000	shares
CY2021Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	80000000	shares
CY2022Q3	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	12924711	shares
CY2022Q3	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	12924711	shares
CY2021Q4	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	14145888	shares
CY2021Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	14145888	shares
CY2022Q3	us-gaap	Common Stock Value CommonStockValue	100000	usd
CY2021Q4	us-gaap	Common Stock Value CommonStockValue	100000	usd
CY2022Q3	us-gaap	Additional Paid In Capital Common Stock AdditionalPaidInCapitalCommonStock	235800000	usd
CY2021Q4	us-gaap	Additional Paid In Capital Common Stock AdditionalPaidInCapitalCommonStock	197200000	usd
CY2022Q3	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	1356700000	usd
CY2021Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	1626700000	usd
CY2022Q3	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	-3400000	usd
CY2021Q4	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	200000	usd
CY2022Q3	us-gaap	Stockholders Equity StockholdersEquity	1589200000	usd
CY2021Q4	us-gaap	Stockholders Equity StockholdersEquity	1824200000	usd
CY2022Q3	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	6892400000	usd
CY2021Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	7050900000	usd
CY2022Q3	cacc	Finance Charges Revenue FinanceChargesRevenue	420600000	usd
CY2021Q3	cacc	Finance Charges Revenue FinanceChargesRevenue	442100000	usd
	cacc	Finance Charges Revenue FinanceChargesRevenue	1270300000	usd
	cacc	Finance Charges Revenue FinanceChargesRevenue	1312400000	usd
CY2022Q3	us-gaap	Premiums Earned Net PremiumsEarnedNet	16400000	usd
CY2021Q3	us-gaap	Premiums Earned Net PremiumsEarnedNet	15400000	usd
	us-gaap	Premiums Earned Net PremiumsEarnedNet	45600000	usd
	us-gaap	Premiums Earned Net PremiumsEarnedNet	45600000	usd
CY2022Q3	us-gaap	Other Income OtherIncome	23300000	usd
CY2021Q3	us-gaap	Other Income OtherIncome	12600000	usd
	us-gaap	Other Income OtherIncome	57500000	usd
	us-gaap	Other Income OtherIncome	34800000	usd
CY2022Q3	us-gaap	Revenues Revenues	460300000	usd
CY2021Q3	us-gaap	Revenues Revenues	470100000	usd
	us-gaap	Revenues Revenues	1373400000	usd
	us-gaap	Revenues Revenues	1392800000	usd
CY2022Q3	us-gaap	Labor And Related Expense LaborAndRelatedExpense	66900000	usd
CY2021Q3	us-gaap	Labor And Related Expense LaborAndRelatedExpense	63200000	usd
	us-gaap	Labor And Related Expense LaborAndRelatedExpense	196700000	usd
	us-gaap	Labor And Related Expense LaborAndRelatedExpense	150900000	usd
CY2022Q3	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	16600000	usd
CY2021Q3	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	16900000	usd
	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	67800000	usd
	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	79900000	usd
CY2022Q3	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	19700000	usd
CY2021Q3	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	16300000	usd
	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	57900000	usd
	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	48400000	usd
CY2022Q3	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	180300000	usd
CY2021Q3	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-8300000	usd
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	351100000	usd
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-17500000	usd
CY2022Q3	us-gaap	Interest Expense InterestExpense	41800000	usd
CY2021Q3	us-gaap	Interest Expense InterestExpense	39800000	usd
	us-gaap	Interest Expense InterestExpense	117200000	usd
	us-gaap	Interest Expense InterestExpense	125600000	usd
CY2022Q3	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	12900000	usd
CY2021Q3	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	10000000.0	usd
	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	34000000.0	usd
	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	29300000	usd
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CY2021Q3	us-gaap	Costs And Expenses CostsAndExpenses	137900000	usd
	us-gaap	Costs And Expenses CostsAndExpenses	824700000	usd
	us-gaap	Costs And Expenses CostsAndExpenses	416600000	usd
CY2022Q3	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	122100000	usd
CY2021Q3	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	332200000	usd
	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	548700000	usd
	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	976200000	usd
CY2022Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	35300000	usd
CY2021Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	82200000	usd
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	140200000	usd
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	235500000	usd
CY2022Q3	us-gaap	Net Income Loss NetIncomeLoss	86800000	usd
CY2021Q3	us-gaap	Net Income Loss NetIncomeLoss	250000000.0	usd
	us-gaap	Net Income Loss NetIncomeLoss	408500000	usd
	us-gaap	Net Income Loss NetIncomeLoss	740700000	usd
CY2022Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	6.53
CY2021Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	15.83
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	29.90
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	44.77
CY2022Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	6.49
CY2021Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	15.79
	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	29.74
	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	44.73
CY2022Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	13293224	shares
CY2021Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	15795963	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	13662178	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	16543326	shares
CY2022Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	13364160	shares
CY2021Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	15829166	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	13737871	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	16559639	shares
CY2022Q3	us-gaap	Net Income Loss NetIncomeLoss	86800000	usd
CY2021Q3	us-gaap	Net Income Loss NetIncomeLoss	250000000.0	usd
	us-gaap	Net Income Loss NetIncomeLoss	408500000	usd
	us-gaap	Net Income Loss NetIncomeLoss	740700000	usd
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CY2021Q3	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	-200000	usd
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	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	-900000	usd
CY2022Q3	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	-1200000	usd
CY2021Q3	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	-200000	usd
	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	-3600000	usd
	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	-900000	usd
CY2022Q3	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	85600000	usd
CY2021Q3	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	249800000	usd
	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	404900000	usd
	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	739800000	usd
CY2022Q2	us-gaap	Stockholders Equity StockholdersEquity	1520100000	usd
CY2022Q3	us-gaap	Net Income Loss NetIncomeLoss	86800000	usd
CY2022Q3	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	-1200000	usd
CY2022Q3	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	8700000	usd
CY2022Q3	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	26500000	usd
CY2022Q3	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	1300000	usd
CY2022Q3	us-gaap	Stockholders Equity StockholdersEquity	1589200000	usd
CY2021Q2	us-gaap	Stockholders Equity StockholdersEquity	2393000000	usd
CY2021Q3	us-gaap	Net Income Loss NetIncomeLoss	250000000.0	usd
CY2021Q3	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	-200000	usd
CY2021Q3	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	15200000	usd
CY2021Q3	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	704200000	usd
CY2021Q3	us-gaap	Stockholders Equity StockholdersEquity	1953800000	usd
CY2021Q4	us-gaap	Stockholders Equity StockholdersEquity	1824200000	usd
	us-gaap	Net Income Loss NetIncomeLoss	408500000	usd
	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	-3600000	usd
	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	26900000	usd
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	679200000	usd
	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	12400000	usd
CY2022Q3	us-gaap	Stockholders Equity StockholdersEquity	1589200000	usd
CY2020Q4	us-gaap	Stockholders Equity StockholdersEquity	2302500000	usd
	us-gaap	Net Income Loss NetIncomeLoss	740700000	usd
	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	-900000	usd
	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	5400000	usd
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	1093900000	usd
CY2021Q3	us-gaap	Stockholders Equity StockholdersEquity	1953800000	usd
	us-gaap	Net Income Loss NetIncomeLoss	408500000	usd
	us-gaap	Net Income Loss NetIncomeLoss	740700000	usd
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	351100000	usd
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-17500000	usd
	us-gaap	Depreciation Depreciation	6800000	usd
	us-gaap	Depreciation Depreciation	7200000	usd
	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	12500000	usd
	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	12500000	usd
	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	3800000	usd
	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	-4100000	usd
	us-gaap	Share Based Compensation ShareBasedCompensation	26900000	usd
	us-gaap	Share Based Compensation ShareBasedCompensation	5400000	usd
	us-gaap	Other Operating Activities Cash Flow Statement OtherOperatingActivitiesCashFlowStatement	100000	usd
	us-gaap	Other Operating Activities Cash Flow Statement OtherOperatingActivitiesCashFlowStatement	-300000	usd
	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	44400000	usd
	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	65500000	usd
	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	-80200000	usd
	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	-122000000.0	usd
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-17600000	usd
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-6900000	usd
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	951900000	usd
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	938300000	usd
	us-gaap	Payments To Acquire Available For Sale Securities Debt PaymentsToAcquireAvailableForSaleSecuritiesDebt	38200000	usd
	us-gaap	Payments To Acquire Available For Sale Securities Debt PaymentsToAcquireAvailableForSaleSecuritiesDebt	31400000	usd
	us-gaap	Proceeds From Sale Of Available For Sale Securities Debt ProceedsFromSaleOfAvailableForSaleSecuritiesDebt	9500000	usd
	us-gaap	Nature Of Operations NatureOfOperations	DESCRIPTION OF BUSINESS<div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Since 1972, Credit Acceptance has offered financing programs that enable automobile dealers to sell vehicles to consumers, regardless of their credit history. Our financing programs are offered through a nationwide network of automobile dealers who benefit from sales of vehicles to consumers who otherwise could not obtain financing; from repeat and referral sales generated by these same customers; and from sales to customers responding to advertisements for our financing programs, but who actually end up qualifying for traditional financing.</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Without our financing programs, consumers are often unable to purchase vehicles or they purchase unreliable ones. Further, as we report to the three national credit reporting agencies, an important ancillary benefit of our programs is that we provide consumers with an opportunity to improve their lives by improving their credit score and move on to more traditional sources of financing.</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We refer to automobile dealers who participate in our programs and who share our commitment to changing consumers’ lives as “Dealers”. Upon enrollment in our financing programs, the Dealer enters into a Dealer servicing agreement with us that defines the legal relationship between Credit Acceptance and the Dealer. The Dealer servicing agreement assigns the responsibilities for administering, servicing, and collecting the amounts due on retail installment contracts (referred to as “Consumer Loans”) from the Dealers to us. We are an indirect lender from a legal perspective, meaning the Consumer Loan is originated by the Dealer and assigned to us.</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The vast majority of the Consumer Loans assigned to us are made to consumers with impaired or limited credit histories. The following table shows the percentage of Consumer Loans assigned to us with either FICO</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">®</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> scores below 650 or no FICO</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">®</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> scores:</span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:42.174%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.496%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.496%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.204%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.210%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Nine Months Ended September 30,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Consumer Loan Assignment Volume</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:2pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:2pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:13.5pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Percentage of total unit volume with either FICO</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">®</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> scores below 650 or no FICO</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">®</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> scores</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">84.2 </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%">88.9 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">85.6 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">92.4 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr></table></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%">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="margin-bottom:10pt;margin-top:1pt;text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have two programs: the Portfolio Program and the Purchase Program. Under the Portfolio Program, we advance money to Dealers (referred to as a “Dealer Loan”) in exchange for the right to service the underlying Consumer Loans. Under the Purchase Program, we buy the Consumer Loans from the Dealers (referred to as a “Purchased Loan”) and keep all amounts collected from the consumer. Dealer Loans and Purchased Loans are collectively referred to as “Loans”. The following table shows the percentage of Consumer Loans assigned to us as Dealer Loans and Purchased Loans for each of the last seven quarters:</span></div><div style="margin-bottom:7pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:38.081%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.373%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.373%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.373%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.380%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unit Volume</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Dollar Volume (1)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Three Months Ended</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Dealer Loans</span></td><td colspan="3" style="border-top:2pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Purchased Loans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Dealer Loans</span></td><td colspan="3" style="border-top:2pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Purchased Loans</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 31, 2021</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%">65.4 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34.6 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">62.7 </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><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%">37.3 </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></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">June 30, 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66.9 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">33.1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">64.0 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36.0 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 30, 2021</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">69.9 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30.1 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66.8 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">33.2 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">December 31, 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">71.8 </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%">28.2 </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%">68.0 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">32.0 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 31, 2022</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%">72.7 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27.3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><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%">68.6 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31.4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">June 30, 2022</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%">74.0 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26.0 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">70.4 </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><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%">29.6 </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></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 30, 2022</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%">74.3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><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%">25.7 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">70.5 </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%">29.5 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:27pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents advances paid to Dealers on Consumer Loans assigned under our Portfolio Program and one-time payments made to Dealers to purchase Consumer Loans assigned under our Purchase Program. Payments of Dealer Holdback (as defined below) and accelerated Dealer Holdback are not included.</span></div><div><span><br/></span></div><div style="text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Portfolio Program</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As payment for the vehicle, the Dealer generally receives the following:</span></div><div style="padding-left:45pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">a down payment from the consumer;</span></div><div style="padding-left:45pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">a non-recourse cash payment (“advance”) from us; and</span></div><div style="padding-left:45pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">after the advance balance (cash advance and related Dealer Loan fees and costs) has been recovered by us, the cash from payments made on the Consumer Loan, net of certain collection costs and our servicing fee (“Dealer Holdback”).</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We record the amount advanced to the Dealer as a Dealer Loan, which is classified within Loans receivable in our consolidated balance sheets. Cash advanced to the Dealer is automatically assigned to the Dealer’s open pool of advances. Dealers make an election as to how many Consumer Loans (either 50 or 100) will be assigned to an open pool before it is closed, and subsequent advances are assigned to a new pool. Unless we receive a request from the Dealer to keep a pool open, we automatically close each pool based on the Dealer's election. All advances within a Dealer’s pool are secured by the future collections on the related Consumer Loans assigned to the pool. For Dealers with more than one pool, the pools are cross-collateralized so the performance of other pools is considered in determining eligibility for Dealer Holdback. We perfect our security interest with respect to the Dealer Loans by obtaining control or taking possession of the Consumer Loans, which list us as lien holder on the vehicle title.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Dealer servicing agreement provides that collections received by us during a calendar month on Consumer Loans assigned by a Dealer are applied on a pool-by-pool basis as follows:</span></div><div style="padding-left:45pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">first, to reimburse us for certain collection costs;</span></div><div style="padding-left:45pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">second, to pay us our servicing fee, which generally equals 20% of collections;</span></div><div style="padding-left:45pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">third, to reduce the aggregate advance balance and to pay any other amounts due from the Dealer to us; and</span></div><div style="padding-left:45pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">fourth, to the Dealer as payment of Dealer Holdback.</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If the collections on Consumer Loans from a Dealer’s pool are not sufficient to repay the advance balance and any other amounts due to us, the Dealer will not receive Dealer Holdback. Certain events may also result in Dealers forfeiting their rights to Dealer Holdback, including becoming inactive before assigning 100 Consumer Loans.</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Dealers have an opportunity to receive an accelerated Dealer Holdback payment each time a pool of Consumer Loans is closed. The amount paid to the Dealer is calculated using a formula that considers the number of Consumer Loans assigned to the pool and the related forecasted collections and advance balance.</span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Since typically the combination of the advance and the consumer’s down payment provides the Dealer with a cash profit at the time of sale, the Dealer’s risk in the Consumer Loan is limited. We cannot demand repayment of the advance from the Dealer except in the event the Dealer is in default of the Dealer servicing agreement. Advances are made only after the consumer and Dealer have signed a Consumer Loan contract, we have received the executed Consumer Loan contract and supporting documentation in either physical or electronic form, and we have approved all of the related stipulations for funding. </span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:2pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For accounting purposes, the transactions described under the Portfolio Program are not considered to be loans to consumers. Instead, our accounting reflects that of a lender to the Dealer. The classification as a Dealer Loan for accounting purposes is primarily a result of (1) the Dealer’s financial interest in the Consumer Loan and (2) certain elements of our legal relationship with the Dealer.</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Purchase Program</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Purchase Program differs from our Portfolio Program in that the Dealer receives a one-time payment from us at the time of assignment to purchase the Consumer Loan instead of a cash advance at the time of assignment and future Dealer Holdback payments. For accounting purposes, the transactions described under the Purchase Program are considered to be originated by the Dealer and then purchased by us.</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Program Enrollment</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Dealers may enroll in our Portfolio Program without incurring an enrollment fee. Access to the Purchase Program is typically only granted to Dealers that meet one of the following:</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="padding-left:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">assigned at least 50 Consumer Loans under the Portfolio Program;</span></div><div style="padding-left:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">franchise dealership; or</span></div><div style="padding-left:54pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">independent dealership that meets certain criteria upon enrollment.</span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Seasonality</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our business is seasonal with peak Consumer Loan assignments and collections occurring during the first quarter of the year. This seasonality has a material impact on our interim results, as we are required to recognize a significant provision for credit losses expense at the time of assignment. For additional information, see Note 3.</span></div>
	us-gaap	Proceeds From Sale Of Available For Sale Securities Debt ProceedsFromSaleOfAvailableForSaleSecuritiesDebt	12000000.0	usd
	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	17900000	usd
	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	16900000	usd
	us-gaap	Proceeds From Loan And Lease Originations And Principal Collections1 ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1	2670800000	usd
	us-gaap	Proceeds From Loan And Lease Originations And Principal Collections1 ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1	2907500000	usd
	cacc	Advances To Dealers AdvancesToDealers	1971900000	usd
	cacc	Advances To Dealers AdvancesToDealers	1626200000	usd
	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	851400000	usd
	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	905300000	usd
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	35200000	usd
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	36000000.0	usd
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	138700000	usd
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	117200000	usd
	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	1900000	usd
	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	6100000	usd
	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-339100000	usd
CY2022Q1	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	1	segment
	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	214200000	usd
	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	5867300000	usd
	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	1066400000	usd
	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	5681000000	usd
	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	1090100000	usd
	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	847800000	usd
	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	1379800000	usd
	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	1028900000	usd
	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	1355700000	usd
	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	7900000	usd
	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	12300000	usd
	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	679200000	usd
	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	1093900000	usd
	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	12400000	usd
	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	0	usd
	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	17900000	usd
	cacc	Effective Long Term Income Tax Rate Reconciliation Percent EffectiveLongTermIncomeTaxRateReconciliationPercent	0.20
	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	-600000	usd
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	-651600000	usd
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	-1106400000	usd
	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	-38800000	usd
	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	46100000	usd
CY2021Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	434200000	usd
CY2022Q3	us-gaap	Cash Uninsured Amount CashUninsuredAmount	10400000	usd
CY2020Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	396200000	usd
CY2022Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	395400000	usd
CY2021Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	442300000	usd
	us-gaap	Interest Paid Net InterestPaidNet	105100000	usd
	us-gaap	Interest Paid Net InterestPaidNet	115900000	usd
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	50000000.0	usd
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	112300000	usd
CY2022Q3	cacc	Number Of Business Programs NumberOfBusinessPrograms	2	program
CY2021Q4	us-gaap	Cash Uninsured Amount CashUninsuredAmount	22900000	usd
	cacc	Additional Number Of Consumer Loans Required To Group Advances AdditionalNumberOfConsumerLoansRequiredToGroupAdvances	50	loan
	cacc	Original Number Of Consumer Loans Required To Group Advances OriginalNumberOfConsumerLoansRequiredToGroupAdvances	100	loan
	cacc	Service Fee Income As Percentage Of Collections ServiceFeeIncomeAsPercentageOfCollections	0.20
	cacc	Original Number Of Consumer Loans Required To Group Advances OriginalNumberOfConsumerLoansRequiredToGroupAdvances	100	loan
	cacc	Number Of Consumer Loans Required To Group Advances NumberOfConsumerLoansRequiredToGroupAdvances	50	loan
CY2022Q1	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	1	segment
CY2022Q3	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	10700000	usd
CY2021Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	23300000	usd
CY2021Q3	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	13300000	usd
CY2020Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	16000000.0	usd
CY2022Q3	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	384700000	usd
CY2021Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	410900000	usd
CY2021Q3	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	429000000.0	usd
CY2020Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	380200000	usd
CY2022Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	395400000	usd
CY2021Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	434200000	usd
CY2021Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	442300000	usd
CY2020Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	396200000	usd
CY2021Q4	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	6580400000	usd
CY2022Q3	cacc	Effective Current And Deferred Income Tax Rate Reconciliation State And Local Income Taxes Percent EffectiveCurrentAndDeferredIncomeTaxRateReconciliationStateAndLocalIncomeTaxesPercent	2.80
CY2022Q3	us-gaap	Cash And Cash Equivalents Fair Value Disclosure CashAndCashEquivalentsFairValueDisclosure	10700000	usd
CY2022Q3	cacc	Restricted Cash And Cash Equivalents Fair Value Disclosure RestrictedCashAndCashEquivalentsFairValueDisclosure	384700000	usd
CY2022Q3	us-gaap	Available For Sale Securities Debt Securities AvailableForSaleSecuritiesDebtSecurities	68000000.0	usd
CY2022Q3	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	6741500000	usd
CY2022Q3	us-gaap	Lines Of Credit Fair Value Disclosure LinesOfCreditFairValueDisclosure	188900000	usd
CY2022Q3	cacc	Secured Financing Fair Value Disclosure SecuredFinancingFairValueDisclosure	3509500000	usd
CY2022Q3	us-gaap	Notes Payable Fair Value Disclosure NotesPayableFairValueDisclosure	745000000.0	usd
CY2022Q3	us-gaap	Other Borrowings OtherBorrowings	9000000.0	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	Available For Sale Securities Debt Securities AvailableForSaleSecuritiesDebtSecurities	62100000	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
CY2022Q3	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	72400000	usd
CY2022Q3	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	0	usd
CY2022Q3	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	4400000	usd
CY2022Q3	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	68000000.0	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
CY2022Q3	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months	60800000	usd
CY2022Q3	cacc	Effective Deferred Income Tax Rate Reconciliation State And Local Income Taxes Percent EffectiveDeferredIncomeTaxRateReconciliationStateAndLocalIncomeTaxesPercent	2.40
CY2022Q3	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	3700000	usd
CY2022Q3	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger	5400000	usd
CY2022Q3	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	700000	usd
CY2022Q3	us-gaap	Debt Securities Available For Sale Unrealized Loss Position DebtSecuritiesAvailableForSaleUnrealizedLossPosition	66200000	usd
CY2022Q3	us-gaap	Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss	4400000	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
CY2022Q3	us-gaap	Available For Sale Securities Debt Maturities Within One Year Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost	5300000	usd
CY2022Q3	cacc	Effective Current Income Tax Rate Reconciliation State And Local Income Taxes Percent EffectiveCurrentIncomeTaxRateReconciliationStateAndLocalIncomeTaxesPercent	0.40
CY2022Q3	us-gaap	Available For Sale Securities Debt Maturities Within One Year Fair Value AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue	5200000	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
CY2022Q3	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost	60500000	usd
CY2022Q3	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	56600000	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
CY2022Q3	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost	6500000	usd
CY2022Q3	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	6100000	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
CY2022Q3	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost	100000	usd
CY2022Q3	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue	100000	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
CY2022Q3	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	72400000	usd
CY2022Q3	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	68000000.0	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
CY2022Q3	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	9186400000	usd
CY2022Q3	us-gaap	Loans And Leases Receivable Allowance LoansAndLeasesReceivableAllowance	2874800000	usd
CY2022Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6311600000	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
CY2022Q2	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6323700000	usd
CY2022Q3	cacc	Finance Charges Revenue FinanceChargesRevenue	420600000	usd
CY2022Q3	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	180300000	usd
CY2022Q3	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	924900000	usd
CY2022Q3	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	1238100000	usd
CY2022Q3	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	10300000	usd
CY2022Q3	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	48300000	usd
CY2022Q3	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	usd
CY2022Q3	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	0	usd
CY2022Q3	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	0	usd
CY2022Q3	cacc	Deferralof Loan Origination Costs DeferralofLoanOriginationCosts	2200000	usd
CY2022Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6311600000	usd
CY2021Q2	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6768100000	usd
CY2021Q3	cacc	Finance Charges Revenue FinanceChargesRevenue	442100000	usd
CY2021Q3	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-8300000	usd
CY2021Q3	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	700000000.0	usd
CY2021Q3	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	1385300000	usd
CY2021Q3	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	9400000	usd
CY2021Q3	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	37800000	usd
CY2021Q3	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	usd
CY2021Q3	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	0	usd
CY2021Q3	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	0	usd
CY2021Q3	cacc	Deferralof Loan Origination Costs DeferralofLoanOriginationCosts	2200000	usd
CY2021Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6582600000	usd
CY2021Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6336300000	usd
	cacc	Finance Charges Revenue FinanceChargesRevenue	1270300000	usd
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	351100000	usd
	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	2823300000	usd
	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	3947700000	usd
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	35200000	usd
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	138700000	usd
	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	usd
	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	0	usd
	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	0	usd
	cacc	Deferralof Loan Origination Costs DeferralofLoanOriginationCosts	6600000	usd
CY2022Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6311600000	usd
CY2020Q4	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6787900000	usd
	cacc	Finance Charges Revenue FinanceChargesRevenue	1312400000	usd
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-17500000	usd
	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	2531500000	usd
	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	4226400000	usd
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	36000000.0	usd
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	117200000	usd
	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	usd
	us-gaap	Allowance For Loan And Lease Losses Write Offs AllowanceForLoanAndLeaseLossesWriteOffs	0	usd
	us-gaap	Allowance For Loan And Lease Loss Recovery Of Bad Debts AllowanceForLoanAndLeaseLossRecoveryOfBadDebts	0	usd
	cacc	Deferralof Loan Origination Costs DeferralofLoanOriginationCosts	6500000	usd
CY2021Q3	us-gaap	Loans And Leases Receivable Net Reported Amount LoansAndLeasesReceivableNetReportedAmount	6582600000	usd
CY2022Q3	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	180300000	usd
	cacc	Effective Current And Deferred Income Tax Rate Reconciliation State And Local Income Taxes Percent EffectiveCurrentAndDeferredIncomeTaxRateReconciliationStateAndLocalIncomeTaxesPercent	0.60
CY2021Q3	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-8300000	usd
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	351100000	usd
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	-17500000	usd
CY2022Q3	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	1546300000	usd
CY2022Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	1279800000	usd
CY2022Q3	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	924900000	usd
CY2022Q3	cacc	Expectedfuturefinancechargesatthetimeofassignment Expectedfuturefinancechargesatthetimeofassignment	438300000	usd
CY2022Q3	cacc	Expectednet Loanincomeatthetimeofassignment ExpectednetLoanincomeatthetimeofassignment	354900000	usd
CY2021Q3	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	1198300000	usd
CY2021Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	970800000	usd
CY2021Q3	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	700000000.0	usd
CY2021Q3	cacc	Expectedfuturefinancechargesatthetimeofassignment Expectedfuturefinancechargesatthetimeofassignment	346300000	usd
CY2021Q3	cacc	Expectednet Loanincomeatthetimeofassignment ExpectednetLoanincomeatthetimeofassignment	270800000	usd
	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	4713600000	usd
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	3895300000	usd
	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	2823300000	usd
	cacc	Expectedfuturefinancechargesatthetimeofassignment Expectedfuturefinancechargesatthetimeofassignment	1355500000	usd
	cacc	Expectednet Loanincomeatthetimeofassignment ExpectednetLoanincomeatthetimeofassignment	1072000000	usd
	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	4457800000	usd
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	3556200000	usd
	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	2531500000	usd
	cacc	Expectedfuturefinancechargesatthetimeofassignment Expectedfuturefinancechargesatthetimeofassignment	1323600000	usd
	cacc	Expectednet Loanincomeatthetimeofassignment ExpectednetLoanincomeatthetimeofassignment	1024700000	usd
CY2022Q2	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9042200000	usd
CY2022Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	1279800000	usd
CY2022Q3	cacc	Realized Net Cash Flows RealizedNetCashFlows	1179500000	usd
CY2022Q3	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	-85400000	usd
CY2022Q3	cacc	Transferof Expected Future Net Cash Flowsbetween Programs TransferofExpectedFutureNetCashFlowsbetweenPrograms	1700000	usd
CY2022Q3	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9058800000	usd
CY2021Q2	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9611200000	usd
CY2021Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	970800000	usd
CY2021Q3	cacc	Realized Net Cash Flows RealizedNetCashFlows	1338100000	usd
CY2021Q3	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	82300000	usd
CY2021Q3	cacc	Transferof Expected Future Net Cash Flowsbetween Programs TransferofExpectedFutureNetCashFlowsbetweenPrograms	2000000.0	usd
CY2021Q3	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9328200000	usd
CY2021Q4	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	8948300000	usd
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	3895300000	usd
	cacc	Realized Net Cash Flows RealizedNetCashFlows	3773800000	usd
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	-18600000	usd
	cacc	Transferof Expected Future Net Cash Flowsbetween Programs TransferofExpectedFutureNetCashFlowsbetweenPrograms	7600000	usd
CY2022Q3	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9058800000	usd
CY2020Q4	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9544400000	usd
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	3556200000	usd
	cacc	Realized Net Cash Flows RealizedNetCashFlows	4073200000	usd
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	294200000	usd
	cacc	Transferof Expected Future Net Cash Flowsbetween Programs TransferofExpectedFutureNetCashFlowsbetweenPrograms	6600000	usd
CY2021Q3	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9328200000	usd
CY2022Q3	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	9186400000	usd
CY2021Q4	us-gaap	Loans And Leases Receivable Net Of Deferred Income LoansAndLeasesReceivableNetOfDeferredIncome	9349800000	usd
CY2022Q3	cacc	Forecasted Net Cash Flows ForecastedNetCashFlows	95700000	usd
CY2022Q3	cacc	Provision For Credit Losses ProvisionForCreditLosses	-70600000	usd
CY2022Q3	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	18800000	usd
CY2021Q3	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	12100000	usd
	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	55600000	usd
	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	45900000	usd
CY2022Q3	us-gaap	Premiums Earned Net PremiumsEarnedNet	16400000	usd
CY2021Q3	us-gaap	Premiums Earned Net PremiumsEarnedNet	15400000	usd
	us-gaap	Premiums Earned Net PremiumsEarnedNet	45600000	usd
	us-gaap	Premiums Earned Net PremiumsEarnedNet	45600000	usd
CY2022Q3	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	12900000	usd
CY2021Q3	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	10000000.0	usd
	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	34000000.0	usd
	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	29300000	usd
CY2022Q3	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	300000	usd
CY2021Q3	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	200000	usd
	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	1100000	usd
	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	1000000.0	usd
CY2022Q3	us-gaap	Other Income OtherIncome	23300000	usd
CY2022Q3	us-gaap	Other Income OtherIncome	23300000	usd
	us-gaap	Other Income OtherIncome	57500000	usd
	us-gaap	Other Income OtherIncome	57500000	usd
CY2022Q3	us-gaap	Other Income OtherIncome	23300000	usd
CY2021Q3	us-gaap	Other Income OtherIncome	12600000	usd
	us-gaap	Other Income OtherIncome	57500000	usd
	us-gaap	Other Income OtherIncome	34800000	usd
	cacc	Payment Holdback Percentage PaymentHoldbackPercentage	0.50
	cacc	Revenue From Enrollment And Registration Fees In Program RevenueFromEnrollmentAndRegistrationFeesInProgram	9850	usd
	cacc	Revenue From Enrollment And Registration Fees In Program RevenueFromEnrollmentAndRegistrationFeesInProgram	9850	usd
	cacc	Payment Holdback Percentage PaymentHoldbackPercentage	0.50
	cacc	Payment Holdback Percentage PaymentHoldbackPercentage	0.50
CY2022Q3	cacc	Debt Instrument Principal Outstanding DebtInstrumentPrincipalOutstanding	4647300000	usd
CY2022Q3	us-gaap	Unamortized Debt Issuance Expense UnamortizedDebtIssuanceExpense	21400000	usd
CY2022Q3	us-gaap	Debt Instrument Fair Value DebtInstrumentFairValue	4625900000	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
CY2022Q3	cacc	Maximum Hedging Reserve MaximumHedgingReserve	1000000	usd
	cacc	Percentage Of Collections On Newer Contributed Loans PercentageOfCollectionsOnNewerContributedLoans	0.04
	cacc	Percentage Of Collections On Contributed Loans PercentageOfCollectionsOnContributedLoans	0.06
	cacc	Monthly Servicing Fee Per Newer Financings MonthlyServicingFeePerNewerFinancings	0.04
	cacc	Monthly Servicing Fee Per Financing MonthlyServicingFeePerFinancing	0.06
CY2020Q4	us-gaap	Repayments Of Senior Debt RepaymentsOfSeniorDebt	148200000	usd
CY2020Q4	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	-1800000	usd
CY2021Q2	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	-7400000	usd
CY2022Q3	us-gaap	Derivative Fair Value Of Derivative Asset Amount Not Offset Against Collateral DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral	2600000	usd
CY2021Q4	us-gaap	Derivative Fair Value Of Derivative Asset Amount Not Offset Against Collateral DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral	200000	usd
CY2022Q3	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.210
CY2021Q3	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.210
	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.210
	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.210
CY2022Q3	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.069
CY2021Q3	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.033
	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.039
	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.031
CY2022Q3	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0
CY2021Q3	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0
	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0.001
	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0.001
CY2022Q3	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.010
CY2021Q3	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.004
	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.008
	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.001
CY2022Q3	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.289
CY2021Q3	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.247
	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.256
	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.241
	cacc	Effective Deferred Income Tax Rate Reconciliation State And Local Income Taxes Percent EffectiveDeferredIncomeTaxRateReconciliationStateAndLocalIncomeTaxesPercent	0.50
	cacc	Effective Current Income Tax Rate Reconciliation State And Local Income Taxes Percent EffectiveCurrentIncomeTaxRateReconciliationStateAndLocalIncomeTaxesPercent	0.10
CY2022Q3	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	12927081	shares
CY2021Q3	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	15430120	shares
	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	13296064	shares
	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	16186518	shares
CY2022Q3	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	366143	shares
CY2021Q3	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	365843	shares
	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	366114	shares
	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	356808	shares
CY2022Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	13293224	shares
CY2021Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	15795963	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	13662178	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	16543326	shares
CY2022Q3	cacc	Dilutive Securities Restricted Stock Restricted Stock Units And Options DilutiveSecuritiesRestrictedStockRestrictedStockUnitsAndOptions	70936	shares
CY2021Q3	cacc	Dilutive Securities Restricted Stock Restricted Stock Units And Options DilutiveSecuritiesRestrictedStockRestrictedStockUnitsAndOptions	33203	shares
	cacc	Dilutive Securities Restricted Stock Restricted Stock Units And Options DilutiveSecuritiesRestrictedStockRestrictedStockUnitsAndOptions	75693	shares
	cacc	Dilutive Securities Restricted Stock Restricted Stock Units And Options DilutiveSecuritiesRestrictedStockRestrictedStockUnitsAndOptions	16313	shares
CY2022Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	13364160	shares
CY2021Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	15829166	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	13737871	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	16559639	shares
CY2022Q3	cacc	Options Outstanding Excluded From Calculation Of Diluted Net Income Per Share OptionsOutstandingExcludedFromCalculationOfDilutedNetIncomePerShare	63875	shares
	cacc	Options Outstanding Excluded From Calculation Of Diluted Net Income Per Share OptionsOutstandingExcludedFromCalculationOfDilutedNetIncomePerShare	56321	shares
CY2022Q3	cacc	Restricted Share Units Outstanding Excluded From Calculation Of Diluted Net Income Per Share RestrictedShareUnitsOutstandingExcludedFromCalculationOfDilutedNetIncomePerShare	4000	shares
	cacc	Restricted Share Units Outstanding Excluded From Calculation Of Diluted Net Income Per Share RestrictedShareUnitsOutstandingExcludedFromCalculationOfDilutedNetIncomePerShare	2432	shares
CY2022Q3	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
CY2021Q3	cacc	Options Outstanding Excluded From Calculation Of Diluted Net Income Per Share OptionsOutstandingExcludedFromCalculationOfDilutedNetIncomePerShare	120217	shares
	cacc	Options Outstanding Excluded From Calculation Of Diluted Net Income Per Share OptionsOutstandingExcludedFromCalculationOfDilutedNetIncomePerShare	204557	shares
	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
CY2021Q3	cacc	Restricted Share Units Outstanding Excluded From Calculation Of Diluted Net Income Per Share RestrictedShareUnitsOutstandingExcludedFromCalculationOfDilutedNetIncomePerShare	0	shares
CY2021Q3	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
	cacc	Restricted Share Units Outstanding Excluded From Calculation Of Diluted Net Income Per Share RestrictedShareUnitsOutstandingExcludedFromCalculationOfDilutedNetIncomePerShare	0	shares
	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	1261457	shares
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	679200000	usd
	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	2277817	shares
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	1093900000	usd
CY2020Q1	cacc	Stock Repurchase Program Number Of Shares Authorized To Be Repurchased Increase StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchasedIncrease	2000000	shares
CY2022Q3	us-gaap	Stock Repurchase Program Remaining Number Of Shares Authorized To Be Repurchased StockRepurchaseProgramRemainingNumberOfSharesAuthorizedToBeRepurchased	365838	shares
CY2022Q3	us-gaap	Share Based Compensation ShareBasedCompensation	8700000	usd
CY2021Q3	us-gaap	Share Based Compensation ShareBasedCompensation	15200000	usd
	us-gaap	Share Based Compensation ShareBasedCompensation	26900000	usd
	us-gaap	Share Based Compensation ShareBasedCompensation	5400000	usd
	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross	770500	shares
	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross	770500	shares
CY2021Q2	us-gaap	Restricted Stock Award Forfeitures RestrictedStockAwardForfeitures	11500000	usd
CY2022Q3	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs Remainder Of Year EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsRemainderOfYear	9000000.0	usd
CY2022Q3	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs Next Year EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsNextYear	35100000	usd
CY2022Q3	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs In Two Years EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInTwoYears	34300000	usd
CY2022Q3	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs In Three Years EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInThreeYears	4600000	usd
CY2022Q3	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs In Four Years EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInFourYears	500000	usd
CY2022Q3	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs Total EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsTotal	83500000	usd
CY2022Q3	us-gaap	Loss Contingency Accrual Carrying Value Period Increase Decrease LossContingencyAccrualCarryingValuePeriodIncreaseDecrease	12000000	usd
CY2022Q3	us-gaap	Loss Contingency Accrual Carrying Value Period Increase Decrease LossContingencyAccrualCarryingValuePeriodIncreaseDecrease	12000000	usd

Files In Submission

Name	View Source	Status
FilingSummary.xml	Edgar Link	unprocessable
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0000885550-22-000082-index.html	Edgar Link	pending
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0000885550-22-000082-xbrl.zip	Edgar Link	pending
cacc-20220930.htm	Edgar Link	pending
cacc-20220930.xsd	Edgar Link	pending
cacc-20220930xex31a.htm	Edgar Link	pending
cacc-20220930xex32a.htm	Edgar Link	pending
cacc-20221101xex4103.htm	Edgar Link	pending
cacc-20220930_cal.xml	Edgar Link	unprocessable
cacc-20220930_def.xml	Edgar Link	unprocessable
cacc-20220930_pre.xml	Edgar Link	unprocessable
cacc-20220930_lab.xml	Edgar Link	unprocessable
cacc-20220930_htm.xml	Edgar Link	completed
cacc-20221101xex4104.htm	Edgar Link	pending
cacc-20221101xex4105.htm	Edgar Link	pending
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report.css	Edgar Link	pending
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$CACC
CREDIT ACCEPTANCE CORP Stock $cacc

2022 Q4 Form 10-Q Financial Statement

#000088555022000082 Filed on November 01, 2022

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$CACC CREDIT ACCEPTANCE CORP Stock $cacc

2022 Q4 Form 10-Q Financial Statement

#000088555022000082 Filed on November 01, 2022

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$CACC
CREDIT ACCEPTANCE CORP Stock $cacc