$CACC
CREDIT ACCEPTANCE CORP Stock $cacc

$cacc Overview Financials Valuation SEC Filings Company Website

2024 Q4 Form 10-Q Financial Statement

#000088555024000119 Filed on October 30, 2024

Income Statement

Concept	2024 Q4	2024 Q3
Revenue		$550.3M
YoY Change		14.98%
Cost Of Revenue		$18.50M
YoY Change		12.12%
Gross Profit		$531.8M
YoY Change		15.08%
Gross Profit Margin		96.64%
Selling, General & Admin		$52.10M
YoY Change		18.95%
% of Gross Profit		9.8%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization		$6.900M
YoY Change		-2.82%
% of Gross Profit		1.3%
Operating Expenses		$129.4M
YoY Change		17.1%
Operating Profit		$402.4M
YoY Change		14.45%
Interest Expense		$111.2M
YoY Change		57.73%
% of Operating Profit		27.63%
Other Income/Expense, Net
YoY Change
Pretax Income		$106.5M
YoY Change		10.36%
Income Tax		$27.70M
% Of Pretax Income		26.01%
Net Earnings		$78.80M
YoY Change		11.3%
Net Earnings / Revenue		14.32%
Basic Earnings Per Share		$6.42
Diluted Earnings Per Share		$6.35
COMMON SHARES
Basic Shares Outstanding	12.11M shares	12.11M shares
Diluted Shares Outstanding		12.42M shares

Balance Sheet

Concept	2024 Q4	2024 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments		$159.7M
YoY Change		5051.61%
Cash & Equivalents		$159.7M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets		$186.1M
YoY Change		975.72%
LONG-TERM ASSETS
Property, Plant & Equipment		$15.20M
YoY Change		-67.73%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets		$670.5M
YoY Change		28.62%
Total Long-Term Assets		$8.497B
YoY Change		15.14%
TOTAL ASSETS
Total Short-Term Assets		$186.1M
Total Long-Term Assets		$8.497B
Total Assets		$8.683B
YoY Change		17.39%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable		$364.4M
YoY Change		28.26%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt		$0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities		$364.6M
YoY Change		24.18%
LONG-TERM LIABILITIES
Long-Term Debt		$6.249B
YoY Change		26.48%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities		$6.249B
YoY Change		26.48%
TOTAL LIABILITIES
Total Short-Term Liabilities		$364.6M
Total Long-Term Liabilities		$6.249B
Total Liabilities		$7.037B
YoY Change		23.53%
SHAREHOLDERS EQUITY
Retained Earnings		$1.321B
YoY Change		-7.78%
Common Stock		$324.6M
YoY Change		19.6%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity		$1.647B
YoY Change
Total Liabilities & Shareholders Equity		$8.683B
YoY Change		17.39%

Cashflow Statement

Concept	2024 Q4	2024 Q3
OPERATING ACTIVITIES
Net Income		$78.80M
YoY Change		11.3%
Depreciation, Depletion And Amortization		$6.900M
YoY Change		-2.82%
Cash From Operating Activities		$317.7M
YoY Change		1.37%
INVESTING ACTIVITIES
Capital Expenditures		$400.0K
YoY Change		-500.0%
Acquisitions
YoY Change
Other Investing Activities		-$423.6M
YoY Change		17.67%
Cash From Investing Activities		-$424.0M
YoY Change		17.81%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities		305.0M
YoY Change		319.53%
NET CHANGE
Cash From Operating Activities		317.7M
Cash From Investing Activities		-424.0M
Cash From Financing Activities		305.0M
Net Change In Cash		198.7M
YoY Change		658.4%
FREE CASH FLOW
Cash From Operating Activities		$317.7M
Capital Expenditures		$400.0K
Free Cash Flow		$317.3M
YoY Change		1.21%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
	dei	Amendment Flag AmendmentFlag	false
	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2024
	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	Q3
	dei	Entity Central Index Key EntityCentralIndexKey	0000885550
	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
	dei	Document Quarterly Report DocumentQuarterlyReport	true
	dei	Document Period End Date DocumentPeriodEndDate	2024-09-30
	dei	Document Transition Report DocumentTransitionReport	false
	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 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	Security12b Title Security12bTitle	Common Stock, $.01 par value
	dei	Trading Symbol TradingSymbol	CACC
	dei	Security Exchange Name SecurityExchangeName	NASDAQ
	dei	Entity Current Reporting Status EntityCurrentReportingStatus	Yes
	dei	Entity Interactive Data Current EntityInteractiveDataCurrent	Yes
	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
CY2024Q4	dei	Entity Common Stock Shares Outstanding EntityCommonStockSharesOutstanding	12112144	shares
CY2024Q3	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	159700000	usd
CY2023Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	457700000	usd
CY2024Q3	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	113900000	usd
CY2023Q4	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	93200000	usd
CY2024Q3	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	15200000	usd
CY2023Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	46500000	usd
CY2023Q4	us-gaap	Income Tax Receivable IncomeTaxReceivable	4300000	usd
CY2024Q3	us-gaap	Other Assets OtherAssets	29900000	usd
CY2023Q4	us-gaap	Other Assets OtherAssets	40000000.0	usd
CY2024Q3	us-gaap	Assets Assets	8683200000	usd
CY2023Q4	us-gaap	Assets Assets	7610200000	usd
CY2024Q3	us-gaap	Accounts Payable And Accrued Liabilities Current AccountsPayableAndAccruedLiabilitiesCurrent	364400000	usd
CY2023Q4	us-gaap	Accounts Payable And Accrued Liabilities Current AccountsPayableAndAccruedLiabilitiesCurrent	318800000	usd
CY2024Q3	us-gaap	Line Of Credit LineOfCredit	1000000.0	usd
CY2023Q4	us-gaap	Line Of Credit LineOfCredit	79200000	usd
CY2024Q3	us-gaap	Secured Debt SecuredDebt	5257100000	usd
CY2023Q4	us-gaap	Secured Debt SecuredDebt	3990900000	usd
CY2024Q3	us-gaap	Senior Long Term Notes SeniorLongTermNotes	990800000	usd
CY2023Q4	us-gaap	Senior Long Term Notes SeniorLongTermNotes	989000000.0	usd
CY2024Q3	us-gaap	Other Borrowings OtherBorrowings	0	usd
CY2023Q4	us-gaap	Other Borrowings OtherBorrowings	8400000	usd
CY2024Q3	us-gaap	Deferred Income Tax Liabilities Net DeferredIncomeTaxLiabilitiesNet	423200000	usd
CY2023Q4	us-gaap	Deferred Income Tax Liabilities Net DeferredIncomeTaxLiabilitiesNet	389200000	usd
CY2024Q3	us-gaap	Accrued Income Taxes AccruedIncomeTaxes	200000	usd
CY2023Q4	us-gaap	Accrued Income Taxes AccruedIncomeTaxes	81000000.0	usd
CY2024Q3	us-gaap	Liabilities Liabilities	7036700000	usd
CY2023Q4	us-gaap	Liabilities Liabilities	5856500000	usd
CY2024Q3	us-gaap	Commitments And Contingencies CommitmentsAndContingencies		usd
CY2023Q4	us-gaap	Commitments And Contingencies CommitmentsAndContingencies		usd
CY2024Q3	us-gaap	Labor And Related Expense LaborAndRelatedExpense	77300000	usd
CY2024Q3	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	29000000.0	usd
CY2024Q3	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	23100000	usd
	dei	Entity Address Address Line1 EntityAddressAddressLine1	25505 W. Twelve Mile Road
CY2024Q3	us-gaap	Preferred Stock Par Or Stated Value Per Share PreferredStockParOrStatedValuePerShare	0.01
CY2023Q4	us-gaap	Preferred Stock Par Or Stated Value Per Share PreferredStockParOrStatedValuePerShare	0.01
CY2024Q3	us-gaap	Preferred Stock Shares Authorized PreferredStockSharesAuthorized	1000000	shares
CY2023Q4	us-gaap	Preferred Stock Shares Authorized PreferredStockSharesAuthorized	1000000	shares
CY2023Q4	us-gaap	Preferred Stock Shares Issued PreferredStockSharesIssued	0	shares
CY2024Q3	us-gaap	Preferred Stock Value PreferredStockValue	0	usd
CY2023Q4	us-gaap	Preferred Stock Value PreferredStockValue	0	usd
CY2024Q3	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
CY2023Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.01
CY2023Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	80000000	shares
CY2024Q3	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	80000000	shares
CY2024Q3	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	12111600	shares
CY2024Q3	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	12111600	shares
CY2024Q3	us-gaap	Common Stock Value CommonStockValue	100000	usd
CY2023Q4	us-gaap	Common Stock Value CommonStockValue	100000	usd
CY2024Q3	us-gaap	Additional Paid In Capital Common Stock AdditionalPaidInCapitalCommonStock	324500000	usd
CY2023Q4	us-gaap	Additional Paid In Capital Common Stock AdditionalPaidInCapitalCommonStock	279000000.0	usd
CY2024Q3	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	1321000000	usd
CY2023Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	1475600000	usd
CY2024Q3	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	900000	usd
CY2023Q4	us-gaap	Accumulated Other Comprehensive Income Loss Net Of Tax AccumulatedOtherComprehensiveIncomeLossNetOfTax	-1000000.0	usd
CY2024Q3	us-gaap	Stockholders Equity StockholdersEquity	1646500000	usd
CY2023Q4	us-gaap	Stockholders Equity StockholdersEquity	1753700000	usd
CY2024Q3	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	8683200000	usd
CY2023Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	7610200000	usd
CY2024Q3	cacc	Finance Charges Revenue FinanceChargesRevenue	507600000	usd
CY2023Q3	cacc	Finance Charges Revenue FinanceChargesRevenue	441700000	usd
	cacc	Finance Charges Revenue FinanceChargesRevenue	1474500000	usd
	cacc	Finance Charges Revenue FinanceChargesRevenue	1303800000	usd
CY2024Q3	us-gaap	Premiums Earned Net PremiumsEarnedNet	25100000	usd
CY2023Q3	us-gaap	Premiums Earned Net PremiumsEarnedNet	20800000	usd
	us-gaap	Premiums Earned Net PremiumsEarnedNet	71300000	usd
CY2023Q3	us-gaap	Other Income OtherIncome	16100000	usd
	us-gaap	Other Income OtherIncome	50700000	usd
	us-gaap	Other Income OtherIncome	48500000	usd
CY2023Q3	us-gaap	Revenues Revenues	478600000	usd
	us-gaap	Revenues Revenues	1596500000	usd
	us-gaap	Revenues Revenues	1410300000	usd
CY2023Q3	us-gaap	Labor And Related Expense LaborAndRelatedExpense	66700000	usd
	us-gaap	Labor And Related Expense LaborAndRelatedExpense	231600000	usd
	us-gaap	Labor And Related Expense LaborAndRelatedExpense	214100000	usd
CY2023Q3	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	21300000	usd
	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	75900000	usd
	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	59800000	usd
CY2023Q3	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	22500000	usd
	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	72400000	usd
	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	70900000	usd
CY2023Q3	us-gaap	Operating Expenses OperatingExpenses	110500000	usd
	us-gaap	Operating Expenses OperatingExpenses	379900000	usd
	us-gaap	Operating Expenses OperatingExpenses	344800000	usd
CY2023Q3	us-gaap	Interest Expense InterestExpense	70500000	usd
	us-gaap	Interest Expense InterestExpense	308200000	usd
	us-gaap	Interest Expense InterestExpense	187700000	usd
CY2024Q3	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	18500000	usd
CY2023Q3	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	16500000	usd
	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	55800000	usd
	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	54100000	usd
CY2024Q3	us-gaap	Other Income OtherIncome	17600000	usd
CY2024Q3	us-gaap	Net Income Loss NetIncomeLoss	78800000	usd
CY2023Q3	us-gaap	Net Income Loss NetIncomeLoss	70800000	usd
	us-gaap	Net Income Loss NetIncomeLoss	96000000.0	usd
	us-gaap	Net Income Loss NetIncomeLoss	96000000.0	usd
CY2024Q3	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	556600000	usd
CY2024Q3	us-gaap	Income Tax Receivable IncomeTaxReceivable	26400000	usd
CY2024Q3	us-gaap	Preferred Stock Shares Issued PreferredStockSharesIssued	0	shares
	us-gaap	Premiums Earned Net PremiumsEarnedNet	58000000.0	usd
CY2024Q3	us-gaap	Operating Expenses OperatingExpenses	129400000	usd
CY2024Q3	us-gaap	Interest Expense InterestExpense	111200000	usd
CY2024Q3	us-gaap	Gain Loss On Sale Of Property Plant Equipment GainLossOnSaleOfPropertyPlantEquipment	0	usd
CY2023Q3	us-gaap	Gain Loss On Sale Of Property Plant Equipment GainLossOnSaleOfPropertyPlantEquipment	0	usd
	us-gaap	Gain Loss On Sale Of Property Plant Equipment GainLossOnSaleOfPropertyPlantEquipment	-23700000	usd
	us-gaap	Gain Loss On Sale Of Property Plant Equipment GainLossOnSaleOfPropertyPlantEquipment	0	usd
CY2024Q3	us-gaap	Costs And Expenses CostsAndExpenses	443800000	usd
CY2023Q3	us-gaap	Costs And Expenses CostsAndExpenses	382100000	usd
	us-gaap	Costs And Expenses CostsAndExpenses	1458900000	usd
	us-gaap	Costs And Expenses CostsAndExpenses	1159100000	usd
CY2024Q3	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	106500000	usd
CY2023Q3	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	96500000	usd
	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	137600000	usd
	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	251200000	usd
CY2023Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	25700000	usd
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	41600000	usd
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	58700000	usd
	us-gaap	Net Income Loss NetIncomeLoss	192500000	usd
CY2024Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	6.42
CY2023Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	5.47
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	7.78
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	14.79
CY2024Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	6.35
CY2023Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	5.43
	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	7.68
	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	14.73
CY2024Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	12274685	shares
CY2023Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	12933377	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	12345739	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	13013344	shares
CY2024Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	12415143	shares
CY2023Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	13039638	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	12494011	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	13068998	shares
CY2024Q3	us-gaap	Net Income Loss NetIncomeLoss	78800000	usd
CY2023Q3	us-gaap	Net Income Loss NetIncomeLoss	70800000	usd
	us-gaap	Net Income Loss NetIncomeLoss	192500000	usd
CY2024Q3	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	2100000	usd
CY2023Q3	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	-200000	usd
	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	1900000	usd
	us-gaap	Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax	0	usd
CY2024Q3	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	2100000	usd
	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	1900000	usd
	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	0	usd
CY2024Q3	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	80900000	usd
CY2023Q3	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	70600000	usd
	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	97900000	usd
	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	192500000	usd
CY2024Q3	us-gaap	Net Income Loss NetIncomeLoss	78800000	usd
CY2022Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	417700000	usd
	dei	Local Phone Number LocalPhoneNumber	353-2700
CY2023Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	13200000	usd
CY2024Q3	us-gaap	Notes Receivable Gross NotesReceivableGross	11197600000	usd
CY2023Q4	us-gaap	Notes Receivable Gross NotesReceivableGross	10020100000	usd
CY2024Q3	us-gaap	Financing Receivable Allowance For Credit Losses FinancingReceivableAllowanceForCreditLosses	3416100000	usd
CY2023Q4	us-gaap	Financing Receivable Allowance For Credit Losses FinancingReceivableAllowanceForCreditLosses	3064800000	usd
CY2024Q3	us-gaap	Notes Receivable Net NotesReceivableNet	7781500000	usd
CY2023Q4	us-gaap	Notes Receivable Net NotesReceivableNet	6955300000	usd
CY2023Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	12522397	shares
CY2023Q4	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	12522397	shares
CY2024Q3	us-gaap	Revenues Revenues	550300000	usd
CY2024Q3	cacc	Provision For Credit Losses On Forecast Changes ProvisionForCreditLossesOnForecastChanges	105900000	usd
CY2023Q3	cacc	Provision For Credit Losses On Forecast Changes ProvisionForCreditLossesOnForecastChanges	106300000	usd
	cacc	Provision For Credit Losses On Forecast Changes ProvisionForCreditLossesOnForecastChanges	430900000	usd
	cacc	Provision For Credit Losses On Forecast Changes ProvisionForCreditLossesOnForecastChanges	319400000	usd
CY2024Q3	cacc	Provision For Credit Losses On New Consumer Loan Assignments ProvisionForCreditLossesOnNewConsumerLoanAssignments	78800000	usd
CY2023Q3	cacc	Provision For Credit Losses On New Consumer Loan Assignments ProvisionForCreditLossesOnNewConsumerLoanAssignments	78300000	usd
	cacc	Provision For Credit Losses On New Consumer Loan Assignments ProvisionForCreditLossesOnNewConsumerLoanAssignments	260400000	usd
	cacc	Provision For Credit Losses On New Consumer Loan Assignments ProvisionForCreditLossesOnNewConsumerLoanAssignments	253100000	usd
CY2024Q3	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	184700000	usd
CY2023Q3	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	184600000	usd
	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	691300000	usd
	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	572500000	usd
CY2024Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	27700000	usd
CY2023Q3	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	-200000	usd
CY2024Q2	us-gaap	Stockholders Equity StockholdersEquity	1554900000	usd
CY2024Q3	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	2100000	usd
CY2024Q3	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	10700000	usd
CY2024Q3	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	0	usd
CY2024Q3	us-gaap	Stockholders Equity StockholdersEquity	1646500000	usd
CY2023Q2	us-gaap	Stockholders Equity StockholdersEquity	1747000000	usd
CY2023Q3	us-gaap	Net Income Loss NetIncomeLoss	70800000	usd
CY2023Q3	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	-200000	usd
CY2023Q3	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	9300000	usd
CY2023Q3	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	126300000	usd
CY2023Q3	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	300000	usd
CY2023Q3	us-gaap	Stockholders Equity StockholdersEquity	1700900000	usd
CY2023Q4	us-gaap	Stockholders Equity StockholdersEquity	1753700000	usd
	us-gaap	Net Income Loss NetIncomeLoss	96000000.0	usd
	us-gaap	Other Comprehensive Income Loss Net Of Tax OtherComprehensiveIncomeLossNetOfTax	1900000	usd
	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	32200000	usd
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	251900000	usd
	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	14600000	usd
CY2024Q3	us-gaap	Stockholders Equity StockholdersEquity	1646500000	usd
CY2022Q4	us-gaap	Stockholders Equity StockholdersEquity	1624000000	usd
	us-gaap	Net Income Loss NetIncomeLoss	192500000	usd
	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	29000000.0	usd
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	149000000.0	usd
	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	4400000	usd
CY2023Q3	us-gaap	Stockholders Equity StockholdersEquity	1700900000	usd
	us-gaap	Net Income Loss NetIncomeLoss	96000000.0	usd
	us-gaap	Net Income Loss NetIncomeLoss	192500000	usd
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	691300000	usd
	us-gaap	Provision For Loan And Lease Losses ProvisionForLoanAndLeaseLosses	572500000	usd
	us-gaap	Depreciation Depreciation	5500000	usd
	us-gaap	Depreciation Depreciation	6600000	usd
	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	15400000	usd
	us-gaap	Amortization Of Financing Costs And Discounts AmortizationOfFinancingCostsAndDiscounts	13300000	usd
	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	33400000	usd
	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	35100000	usd
	us-gaap	Share Based Compensation ShareBasedCompensation	32200000	usd
	us-gaap	Share Based Compensation ShareBasedCompensation	29000000.0	usd
	cacc	Loss On Sale Of Building LossOnSaleOfBuilding	23700000	usd
	cacc	Loss On Sale Of Building LossOnSaleOfBuilding	0	usd
	us-gaap	Other Operating Activities Cash Flow Statement OtherOperatingActivitiesCashFlowStatement	500000	usd
	us-gaap	Other Operating Activities Cash Flow Statement OtherOperatingActivitiesCashFlowStatement	500000	usd
	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	26700000	usd
	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	14600000	usd
	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	22100000	usd
	us-gaap	Increase Decrease In Income Taxes Receivable IncreaseDecreaseInIncomeTaxesReceivable	5500000	usd
	us-gaap	Increase Decrease In Accrued Income Taxes Payable IncreaseDecreaseInAccruedIncomeTaxesPayable	-80800000	usd
	us-gaap	Increase Decrease In Accrued Income Taxes Payable IncreaseDecreaseInAccruedIncomeTaxesPayable	7000000.0	usd
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-9900000	usd
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-27000000.0	usd
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	831700000	usd
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	892600000	usd
	us-gaap	Payments To Acquire Available For Sale Securities Debt PaymentsToAcquireAvailableForSaleSecuritiesDebt	51700000	usd
	us-gaap	Payments To Acquire Available For Sale Securities Debt PaymentsToAcquireAvailableForSaleSecuritiesDebt	34700000	usd
	us-gaap	Proceeds From Sale Of Available For Sale Securities Debt ProceedsFromSaleOfAvailableForSaleSecuritiesDebt	25800000	usd
	us-gaap	Proceeds From Sale Of Available For Sale Securities Debt ProceedsFromSaleOfAvailableForSaleSecuritiesDebt	12300000	usd
	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	7400000	usd
	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	8100000	usd
	us-gaap	Proceeds From Loan And Lease Originations And Principal Collections1 ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1	2409600000	usd
	us-gaap	Proceeds From Loan And Lease Originations And Principal Collections1 ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1	2330800000	usd
	cacc	Advances To Dealers AdvancesToDealers	2858300000	usd
	cacc	Advances To Dealers AdvancesToDealers	2202900000	usd
	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	833800000	usd
	us-gaap	Payments To Acquire Loans Receivable PaymentsToAcquireLoansReceivable	970600000	usd
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	46900000	usd
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	35300000	usd
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	188100000	usd
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	177300000	usd
	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	1100000	usd
	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	2300000	usd
	us-gaap	Proceeds From Sale Of Buildings ProceedsFromSaleOfBuildings	3200000	usd
	us-gaap	Proceeds From Sale Of Buildings ProceedsFromSaleOfBuildings	0	usd
	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-1533900000	usd
	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-1071900000	usd
	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	5988300000	usd
	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	5529100000	usd
	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	6066500000	usd
	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	5457900000	usd
	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	2865400000	usd
	us-gaap	Proceeds From Issuance Of Secured Debt ProceedsFromIssuanceOfSecuredDebt	2004000000	usd
	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	1594700000	usd
	us-gaap	Repayments Of Secured Debt RepaymentsOfSecuredDebt	1722900000	usd
	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	19100000	usd
	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	16000000.0	usd
	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	251900000	usd
	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	149000000.0	usd
	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	14600000	usd
	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	4400000	usd
	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	11500000	usd
	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	8100000	usd
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	947600000	usd
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	199800000	usd
	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	245400000	usd
	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	20500000	usd
CY2023Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	470900000	usd
CY2024Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	716300000	usd
CY2023Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	438200000	usd
	us-gaap	Interest Paid Net InterestPaidNet	280000000.0	usd
	us-gaap	Interest Paid Net InterestPaidNet	172700000	usd
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	102000000.0	usd
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	19700000	usd
	us-gaap	Nature Of Operations NatureOfOperations	DESCRIPTION OF BUSINESS<div style="text-align:justify;text-indent:18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We make</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> vehicle ownership possible by providing innovative financing solutions 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 desire to provide an opportunity to consumers to improve their 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 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><td style="width:42.174%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.530%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.496%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.530%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.496%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.530%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.204%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.530%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.210%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><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><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><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%">2024</span></td><td colspan="3" style="border-top:2pt solid #000;padding:0 1pt"></td><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%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><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%">2024</span></td><td colspan="3" style="border-top:2pt solid #000;padding:0 1pt"></td><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%">2023</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><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%">79.1 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><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%">78.6 </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><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%">81.0 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><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%">81.5 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have two programs: the Portfolio Program and the Purchase Program. Under the Portfolio Program, we advance money to Dealers (referred to as a “Dealer Loan”) in exchange for the right to service the underlying Consumer Loans. Under the Purchase Program, we buy the Consumer Loans from the Dealers (referred to as a “Purchased Loan”) and keep all amounts collected from the consumer. Dealer Loans and Purchased Loans are collectively referred to as “Loans.” The following table shows the percentage of Consumer Loans assigned to us as Dealer Loans and Purchased Loans for each of the last 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><td style="width:38.081%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.530%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.373%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.530%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.373%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.530%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.373%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.530%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.380%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><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><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><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><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><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><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, 2023</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><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%">72.1 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><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%">27.9 </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><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%">68.1 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><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%">31.9 </span></td><td style="background-color:#cceeff;border-top:2pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr><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, 2023</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><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%">72.4 </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><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%">27.6 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><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%">68.6 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><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%">31.4 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align: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, 2023</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><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%">74.8 </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><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%">25.2 </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><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><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%">71.7 </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><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28.3 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><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%">77.2 </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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22.8 </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><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%">75.0 </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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25.0 </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, 2024</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><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%">78.2 </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><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><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%">21.8 </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><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%">76.6 </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><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%">23.4 </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, 2024</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><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%">78.5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><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%">21.5 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><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%">77.3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22.7 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></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, 2024</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><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%">79.5 </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><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%">20.5 </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><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%">78.4 </span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><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%">21.6 </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></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 are granted access to our Portfolio Program upon enrollment. 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>
CY2024Q3	cacc	Number Of Business Programs NumberOfBusinessPrograms	2	program
	cacc	Additional Number Of Consumer Loans Required To Group Advances AdditionalNumberOfConsumerLoansRequiredToGroupAdvances	50	loan
	cacc	Original Number Of Consumer Loans Required To Group Advances OriginalNumberOfConsumerLoansRequiredToGroupAdvances	100	loan
	cacc	Service Fee Income As Percentage Of Collections ServiceFeeIncomeAsPercentageOfCollections	0.20
	cacc	Original Number Of Consumer Loans Required To Group Advances OriginalNumberOfConsumerLoansRequiredToGroupAdvances	100	loan
	cacc	Number Of Consumer Loans Required To Group Advances NumberOfConsumerLoansRequiredToGroupAdvances	50	loan
	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	1	segment
	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	1	segment
CY2024Q3	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	159700000	usd
CY2023Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	13200000	usd
CY2023Q3	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	3100000	usd
CY2022Q4	us-gaap	Cash And Cash Equivalents At Carrying Value CashAndCashEquivalentsAtCarryingValue	7700000	usd
CY2024Q3	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	556600000	usd
CY2023Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	457700000	usd
CY2023Q3	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	435100000	usd
CY2022Q4	us-gaap	Restricted Cash And Cash Equivalents RestrictedCashAndCashEquivalents	410000000.0	usd
CY2024Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	716300000	usd
CY2023Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	470900000	usd
CY2023Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	438200000	usd
CY2022Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	417700000	usd
CY2024Q3	us-gaap	Cash And Cash Equivalents Fair Value Disclosure CashAndCashEquivalentsFairValueDisclosure	159700000	usd
CY2024Q3	cacc	Restricted Cash And Cash Equivalents Fair Value Disclosure RestrictedCashAndCashEquivalentsFairValueDisclosure	556600000	usd
CY2024Q3	us-gaap	Available For Sale Securities Debt Securities AvailableForSaleSecuritiesDebtSecurities	113900000	usd
CY2024Q3	us-gaap	Receivables Fair Value Disclosure ReceivablesFairValueDisclosure	8882300000	usd
CY2024Q3	us-gaap	Lines Of Credit Fair Value Disclosure LinesOfCreditFairValueDisclosure	1000000.0	usd
CY2024Q3	cacc	Secured Financing Fair Value Disclosure SecuredFinancingFairValueDisclosure	5360400000	usd
CY2024Q3	us-gaap	Notes Payable Fair Value Disclosure NotesPayableFairValueDisclosure	1042800000	usd
CY2023Q4	us-gaap	Cash And Cash Equivalents Fair Value Disclosure CashAndCashEquivalentsFairValueDisclosure	13200000	usd
CY2023Q4	cacc	Restricted Cash And Cash Equivalents Fair Value Disclosure RestrictedCashAndCashEquivalentsFairValueDisclosure	457700000	usd
CY2023Q4	us-gaap	Available For Sale Securities Debt Securities AvailableForSaleSecuritiesDebtSecurities	93200000	usd
CY2023Q4	us-gaap	Receivables Fair Value Disclosure ReceivablesFairValueDisclosure	7759100000	usd
CY2023Q4	us-gaap	Lines Of Credit Fair Value Disclosure LinesOfCreditFairValueDisclosure	79200000	usd
CY2023Q4	cacc	Secured Financing Fair Value Disclosure SecuredFinancingFairValueDisclosure	4025900000	usd
CY2023Q4	us-gaap	Notes Payable Fair Value Disclosure NotesPayableFairValueDisclosure	1039800000	usd
CY2023Q4	us-gaap	Other Borrowings OtherBorrowings	8400000	usd
CY2024Q3	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	112800000	usd
CY2024Q3	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	1700000	usd
CY2024Q3	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	600000	usd
CY2024Q3	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	113900000	usd
CY2023Q4	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	94600000	usd
CY2023Q4	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	600000	usd
CY2023Q4	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	2000000.0	usd
CY2023Q4	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	93200000	usd
CY2024Q3	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months	3400000	usd
CY2024Q3	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	0	usd
CY2024Q3	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger	23700000	usd
CY2024Q3	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	600000	usd
CY2024Q3	us-gaap	Debt Securities Available For Sale Unrealized Loss Position DebtSecuritiesAvailableForSaleUnrealizedLossPosition	27100000	usd
CY2024Q3	us-gaap	Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss	600000	usd
CY2023Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months	11100000	usd
CY2023Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	100000	usd
CY2023Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger	42300000	usd
CY2023Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	1900000	usd
CY2023Q4	us-gaap	Debt Securities Available For Sale Unrealized Loss Position DebtSecuritiesAvailableForSaleUnrealizedLossPosition	53400000	usd
CY2023Q4	us-gaap	Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss	2000000.0	usd
CY2024Q3	us-gaap	Available For Sale Securities Debt Maturities Within One Year Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost	8800000	usd
CY2024Q3	us-gaap	Available For Sale Securities Debt Maturities Within One Year Fair Value AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue	8700000	usd
CY2023Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost	6900000	usd
CY2023Q4	us-gaap	Available For Sale Securities Debt Maturities Within One Year Fair Value AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue	6800000	usd
CY2024Q3	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost	93600000	usd
CY2024Q3	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	94600000	usd
CY2023Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost	80500000	usd
CY2023Q4	us-gaap	Available For Sale Securities Debt Maturities After One Through Five Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue	79100000	usd
CY2024Q3	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost	10300000	usd
CY2024Q3	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	10600000	usd
CY2023Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost	7100000	usd
CY2023Q4	us-gaap	Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue	7200000	usd
CY2024Q3	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost	100000	usd
CY2024Q3	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue	0	usd
CY2023Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Amortized Cost AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost	100000	usd
CY2023Q4	us-gaap	Available For Sale Securities Debt Maturities After Ten Years Fair Value AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue	100000	usd
CY2024Q3	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	112800000	usd
CY2024Q3	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	113900000	usd
CY2023Q4	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	94600000	usd
CY2023Q4	us-gaap	Debt Securities Available For Sale Restricted DebtSecuritiesAvailableForSaleRestricted	93200000	usd
CY2024Q3	us-gaap	Notes Receivable Gross NotesReceivableGross	11197600000	usd
CY2024Q3	us-gaap	Financing Receivable Allowance For Credit Losses FinancingReceivableAllowanceForCreditLosses	3416100000	usd
CY2024Q3	us-gaap	Notes Receivable Net NotesReceivableNet	7781500000	usd
CY2023Q4	us-gaap	Notes Receivable Gross NotesReceivableGross	10020100000	usd
CY2023Q4	us-gaap	Financing Receivable Allowance For Credit Losses FinancingReceivableAllowanceForCreditLosses	3064800000	usd
CY2023Q4	us-gaap	Notes Receivable Net NotesReceivableNet	6955300000	usd
CY2024Q2	us-gaap	Notes Receivable Net NotesReceivableNet	7547700000	usd
CY2024Q3	cacc	Finance Charges Revenue FinanceChargesRevenue	507600000	usd
CY2024Q3	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	184700000	usd
CY2024Q3	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	1146600000	usd
CY2024Q3	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	1310500000	usd
CY2024Q3	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	13500000	usd
CY2024Q3	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	57600000	usd
CY2024Q3	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	usd
CY2024Q3	us-gaap	Financing Receivable Allowance For Credit Losses Write Offs FinancingReceivableAllowanceForCreditLossesWriteOffs	0	usd
CY2024Q3	us-gaap	Financing Receivable Allowance For Credit Losses Recovery FinancingReceivableAllowanceForCreditLossesRecovery	0	usd
CY2024Q3	cacc	Deferralof Loan Origination Costs DeferralofLoanOriginationCosts	3700000	usd
CY2024Q3	us-gaap	Notes Receivable Net NotesReceivableNet	7781500000	usd
CY2023Q2	us-gaap	Notes Receivable Net NotesReceivableNet	6610300000	usd
CY2023Q3	cacc	Finance Charges Revenue FinanceChargesRevenue	441700000	usd
CY2023Q3	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	184600000	usd
CY2023Q3	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	1022200000	usd
CY2023Q3	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	1182100000	usd
CY2023Q3	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	10700000	usd
CY2023Q3	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	59000000.0	usd
CY2023Q3	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	usd
CY2023Q3	us-gaap	Financing Receivable Allowance For Credit Losses Write Offs FinancingReceivableAllowanceForCreditLossesWriteOffs	0	usd
CY2023Q3	us-gaap	Financing Receivable Allowance For Credit Losses Recovery FinancingReceivableAllowanceForCreditLossesRecovery	0	usd
CY2023Q3	cacc	Deferralof Loan Origination Costs DeferralofLoanOriginationCosts	3300000	usd
CY2023Q3	us-gaap	Notes Receivable Net NotesReceivableNet	6780500000	usd
CY2023Q4	us-gaap	Notes Receivable Net NotesReceivableNet	6955300000	usd
	cacc	Finance Charges Revenue FinanceChargesRevenue	1474500000	usd
	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	691300000	usd
	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	3692100000	usd
	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	3895700000	usd
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	46900000	usd
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	188100000	usd
	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	usd
	us-gaap	Financing Receivable Allowance For Credit Losses Write Offs FinancingReceivableAllowanceForCreditLossesWriteOffs	0	usd
	us-gaap	Financing Receivable Allowance For Credit Losses Recovery FinancingReceivableAllowanceForCreditLossesRecovery	0	usd
	cacc	Deferralof Loan Origination Costs DeferralofLoanOriginationCosts	11600000	usd
CY2024Q3	us-gaap	Notes Receivable Net NotesReceivableNet	7781500000	usd
CY2022Q4	us-gaap	Notes Receivable Net NotesReceivableNet	6297700000	usd
	cacc	Finance Charges Revenue FinanceChargesRevenue	1303800000	usd
	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	572500000	usd
	cacc	New Consumer Loan Assignments NewConsumerLoanAssignments	3173500000	usd
	us-gaap	Proceeds From Collection Of Loans Receivable ProceedsFromCollectionOfLoansReceivable	3643800000	usd
	cacc	Accelerated Payments Of Dealer Holdback AcceleratedPaymentsOfDealerHoldback	35300000	usd
	cacc	Payments Of Dealer Holdback PaymentsOfDealerHoldback	177300000	usd
	cacc	Loans And Leases Receivable Transfers LoansAndLeasesReceivableTransfers	0	usd
	us-gaap	Financing Receivable Allowance For Credit Losses Write Offs FinancingReceivableAllowanceForCreditLossesWriteOffs	0	usd
	us-gaap	Financing Receivable Allowance For Credit Losses Recovery FinancingReceivableAllowanceForCreditLossesRecovery	0	usd
	cacc	Deferralof Loan Origination Costs DeferralofLoanOriginationCosts	9200000	usd
CY2023Q3	us-gaap	Notes Receivable Net NotesReceivableNet	6780500000	usd
CY2024Q3	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	184700000	usd
CY2023Q3	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	184600000	usd
	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	691300000	usd
	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	572500000	usd
CY2024Q3	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	1919500000	usd
CY2024Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	1645000000	usd
CY2024Q3	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	1146600000	usd
CY2024Q3	cacc	Expectedfuturefinancechargesatthetimeofassignment Expectedfuturefinancechargesatthetimeofassignment	577200000	usd
CY2024Q3	cacc	Expectednet Loanincomeatthetimeofassignment ExpectednetLoanincomeatthetimeofassignment	498400000	usd
CY2023Q3	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	1718500000	usd
CY2023Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	1442700000	usd
CY2023Q3	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	1022200000	usd
CY2023Q3	cacc	Expectedfuturefinancechargesatthetimeofassignment Expectedfuturefinancechargesatthetimeofassignment	498800000	usd
CY2023Q3	cacc	Expectednet Loanincomeatthetimeofassignment ExpectednetLoanincomeatthetimeofassignment	420500000	usd
	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	6182000000	usd
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	5277400000	usd
	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	3692100000	usd
	cacc	Expectedfuturefinancechargesatthetimeofassignment Expectedfuturefinancechargesatthetimeofassignment	1845700000	usd
	cacc	Expectednet Loanincomeatthetimeofassignment ExpectednetLoanincomeatthetimeofassignment	1585300000	usd
	cacc	Loans Receivable Contractual Net Cash Flows At Assignment LoansReceivableContractualNetCashFlowsAtAssignment	5384000000	usd
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	4475800000	usd
	cacc	Loans Receivable Fair Value Of Net Cash Flows At Assignment LoansReceivableFairValueOfNetCashFlowsAtAssignment	3173500000	usd
	cacc	Expectedfuturefinancechargesatthetimeofassignment Expectedfuturefinancechargesatthetimeofassignment	1555400000	usd
	cacc	Expectednet Loanincomeatthetimeofassignment ExpectednetLoanincomeatthetimeofassignment	1302300000	usd
CY2024Q2	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	11174400000	usd
CY2024Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	1645000000	usd
CY2024Q3	cacc	Realized Net Cash Flows RealizedNetCashFlows	1239400000	usd
CY2024Q3	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	-62800000	usd
CY2024Q3	cacc	Transferof Expected Future Net Cash Flowsbetween Programs TransferofExpectedFutureNetCashFlowsbetweenPrograms	900000	usd
CY2024Q3	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	11518100000	usd
CY2023Q2	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9676300000	usd
CY2023Q3	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	1442700000	usd
CY2023Q3	cacc	Realized Net Cash Flows RealizedNetCashFlows	1112400000	usd
CY2023Q3	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	-69400000	usd
CY2023Q3	cacc	Transferof Expected Future Net Cash Flowsbetween Programs TransferofExpectedFutureNetCashFlowsbetweenPrograms	2000000.0	usd
CY2023Q3	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9939200000	usd
CY2023Q4	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	10179200000	usd
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	5277400000	usd
	cacc	Realized Net Cash Flows RealizedNetCashFlows	3660700000	usd
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	-282900000	usd
	cacc	Transferof Expected Future Net Cash Flowsbetween Programs TransferofExpectedFutureNetCashFlowsbetweenPrograms	5100000	usd
CY2024Q3	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	11518100000	usd
CY2022Q4	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9033400000	usd
	cacc	Loans Receivable Expected Net Cash Flows At Assignment LoansReceivableExpectedNetCashFlowsAtAssignment	4475800000	usd
	cacc	Realized Net Cash Flows RealizedNetCashFlows	3431200000	usd
	cacc	Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges	-149300000	usd
	cacc	Transferof Expected Future Net Cash Flowsbetween Programs TransferofExpectedFutureNetCashFlowsbetweenPrograms	10500000	usd
CY2023Q3	cacc	Expected Future Net Cash Flows ExpectedFutureNetCashFlows	9939200000	usd
CY2024Q3	us-gaap	Notes Receivable Gross NotesReceivableGross	11197600000	usd
CY2023Q4	us-gaap	Notes Receivable Gross NotesReceivableGross	10020100000	usd
CY2024Q3	us-gaap	Land And Land Improvements LandAndLandImprovements	2700000	usd
CY2023Q4	us-gaap	Land And Land Improvements LandAndLandImprovements	2900000	usd
CY2024Q3	us-gaap	Buildings And Improvements Gross BuildingsAndImprovementsGross	17500000	usd
CY2023Q4	us-gaap	Buildings And Improvements Gross BuildingsAndImprovementsGross	58800000	usd
CY2024Q3	cacc	Data Processing Equipment And Software DataProcessingEquipmentAndSoftware	45400000	usd
CY2023Q4	cacc	Data Processing Equipment And Software DataProcessingEquipmentAndSoftware	50000000.0	usd
CY2024Q3	us-gaap	Furniture And Fixtures Gross FurnitureAndFixturesGross	2200000	usd
CY2023Q4	us-gaap	Furniture And Fixtures Gross FurnitureAndFixturesGross	2600000	usd
CY2024Q3	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	67800000	usd
CY2023Q4	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	114300000	usd
CY2024Q3	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	52600000	usd
CY2023Q4	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	67800000	usd
CY2024Q3	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	15200000	usd
CY2023Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	46500000	usd
CY2024Q2	us-gaap	Proceeds From Sale Of Property Plant And Equipment ProceedsFromSaleOfPropertyPlantAndEquipment	3200000	usd
CY2024Q2	us-gaap	Gain Loss On Sale Of Property Plant Equipment GainLossOnSaleOfPropertyPlantEquipment	-23700000	usd
CY2024Q2	cacc	Buildings Land Ppe Net BuildingsLandPPENet	26900000	usd
CY2024Q2	us-gaap	Proceeds From Sale Of Property Plant And Equipment ProceedsFromSaleOfPropertyPlantAndEquipment	3200000	usd
CY2024Q3	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	25700000	usd
CY2023Q3	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	22600000	usd
	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	84200000	usd
	us-gaap	Assumed Premiums Written AssumedPremiumsWritten	71500000	usd
CY2024Q3	us-gaap	Premiums Earned Net PremiumsEarnedNet	25100000	usd
CY2023Q3	us-gaap	Premiums Earned Net PremiumsEarnedNet	20800000	usd
	us-gaap	Premiums Earned Net PremiumsEarnedNet	71300000	usd
	us-gaap	Premiums Earned Net PremiumsEarnedNet	58000000.0	usd
CY2024Q3	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	18500000	usd
CY2023Q3	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	16500000	usd
	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	55800000	usd
	us-gaap	Policyholder Benefits And Claims Incurred Net PolicyholderBenefitsAndClaimsIncurredNet	54100000	usd
CY2024Q3	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	600000	usd
CY2023Q3	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	300000	usd
	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	1800000	usd
	us-gaap	Amortization Of Acquisition Costs AmortizationOfAcquisitionCosts	1300000	usd
CY2024Q3	us-gaap	Other Income OtherIncome	17600000	usd
CY2023Q3	us-gaap	Other Income OtherIncome	16100000	usd
	us-gaap	Other Income OtherIncome	50700000	usd
	us-gaap	Other Income OtherIncome	48500000	usd
CY2024Q3	us-gaap	Other Income OtherIncome	17600000	usd
CY2024Q3	us-gaap	Other Income OtherIncome	17600000	usd
	us-gaap	Other Income OtherIncome	50700000	usd
	us-gaap	Other Income OtherIncome	50700000	usd
CY2024Q3	cacc	Debt Instrument Principal Outstanding DebtInstrumentPrincipalOutstanding	6290600000	usd
CY2024Q3	us-gaap	Unamortized Debt Issuance Expense UnamortizedDebtIssuanceExpense	40100000	usd
CY2024Q3	us-gaap	Debt Instrument Unamortized Discount DebtInstrumentUnamortizedDiscount	1600000	usd
CY2024Q3	us-gaap	Debt Instrument Fair Value DebtInstrumentFairValue	6248900000	usd
CY2023Q4	cacc	Debt Instrument Principal Outstanding DebtInstrumentPrincipalOutstanding	5106600000	usd
CY2023Q4	us-gaap	Unamortized Debt Issuance Expense UnamortizedDebtIssuanceExpense	36600000	usd
CY2023Q4	us-gaap	Debt Instrument Unamortized Discount DebtInstrumentUnamortizedDiscount	2500000	usd
CY2023Q4	us-gaap	Debt Instrument Fair Value DebtInstrumentFairValue	5067500000	usd
CY2024Q3	cacc	Maximum Hedging Reserve MaximumHedgingReserve	1000000.0	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
CY2022Q4	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	-1800000	usd
CY2024Q3	us-gaap	Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate	0.210
CY2023Q3	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
CY2024Q3	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.036
CY2023Q3	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.043
	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.066
	us-gaap	Effective Income Tax Rate Reconciliation State And Local Income Taxes EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes	0.028
CY2024Q3	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Amortization EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAmortization	0.014
CY2023Q3	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Amortization EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAmortization	0.012
	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Amortization EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAmortization	0.029
	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Amortization EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAmortization	0.016
CY2024Q3	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0.000
CY2023Q3	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0.000
	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0.004
	us-gaap	Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost	0.021
CY2024Q3	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.000
CY2023Q3	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.001
	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.001
	us-gaap	Effective Income Tax Rate Reconciliation Other Adjustments EffectiveIncomeTaxRateReconciliationOtherAdjustments	0.001
CY2024Q3	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.260
CY2023Q3	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.266
	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.302
	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.234
CY2024Q3	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	12111343	shares
CY2023Q3	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	12716387	shares
	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	12182467	shares
	us-gaap	Weighted Average Number Of Shares Issued Basic WeightedAverageNumberOfSharesIssuedBasic	12785870	shares
CY2024Q3	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	163342	shares
CY2023Q3	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	216990	shares
	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	163272	shares
	us-gaap	Weighted Average Number Of Shares Restricted Stock WeightedAverageNumberOfSharesRestrictedStock	227474	shares
CY2024Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	12274685	shares
CY2023Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	12933377	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	12345739	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	13013344	shares
CY2024Q3	cacc	Dilutive Securities Restricted Stock Restricted Stock Units And Options DilutiveSecuritiesRestrictedStockRestrictedStockUnitsAndOptions	140458	shares
CY2023Q3	cacc	Dilutive Securities Restricted Stock Restricted Stock Units And Options DilutiveSecuritiesRestrictedStockRestrictedStockUnitsAndOptions	106261	shares
	cacc	Dilutive Securities Restricted Stock Restricted Stock Units And Options DilutiveSecuritiesRestrictedStockRestrictedStockUnitsAndOptions	148272	shares
	cacc	Dilutive Securities Restricted Stock Restricted Stock Units And Options DilutiveSecuritiesRestrictedStockRestrictedStockUnitsAndOptions	55654	shares
CY2024Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	12415143	shares
CY2023Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	13039638	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	12494011	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	13068998	shares
CY2024Q3	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	71355	shares
CY2023Q3	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	92811	shares
	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	70044	shares
	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	232255	shares
CY2024Q3	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	86	shares
CY2024Q3	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	0	usd
CY2023Q3	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	256232	shares
CY2023Q3	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	126300000	usd
	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	462131	shares
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	251900000	usd
	us-gaap	Stock Repurchased During Period Shares StockRepurchasedDuringPeriodShares	305493	shares
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	149000000.0	usd
CY2023Q3	cacc	Stock Repurchase Program Number Of Shares Authorized To Be Repurchased Increase StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchasedIncrease	2000000	shares
CY2024Q3	us-gaap	Stock Repurchase Program Remaining Number Of Shares Authorized To Be Repurchased StockRepurchaseProgramRemainingNumberOfSharesAuthorizedToBeRepurchased	1346570	shares
CY2024Q3	us-gaap	Share Based Compensation ShareBasedCompensation	10700000	usd
CY2023Q3	us-gaap	Share Based Compensation ShareBasedCompensation	9300000	usd
	us-gaap	Share Based Compensation ShareBasedCompensation	32200000	usd
	us-gaap	Share Based Compensation ShareBasedCompensation	29000000.0	usd
CY2024Q3	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs Remainder Of Year EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsRemainderOfYear	10900000	usd
CY2024Q3	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs Next Year EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsNextYear	13500000	usd
CY2024Q3	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs In Two Years EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInTwoYears	7400000	usd
CY2024Q3	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs In Three Years EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInThreeYears	1100000	usd
CY2024Q3	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs In Four Years EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInFourYears	0	usd
CY2024Q3	cacc	Employee Service Share Based Compensation Estimated Allocation Of Recognized Period Costs Total EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsTotal	32900000	usd
CY2024Q3	ecd	Rule10b51 Arr Adopted Flag Rule10b51ArrAdoptedFlag	false
CY2024Q3	ecd	Non Rule10b51 Arr Adopted Flag NonRule10b51ArrAdoptedFlag	false
CY2024Q3	ecd	Rule10b51 Arr Trmntd Flag Rule10b51ArrTrmntdFlag	false
CY2024Q3	ecd	Non Rule10b51 Arr Trmntd Flag NonRule10b51ArrTrmntdFlag	false

Files In Submission

Name	View Source	Status
0000885550-24-000119-index-headers.html	Edgar Link	pending
0000885550-24-000119-index.html	Edgar Link	pending
0000885550-24-000119.txt	Edgar Link	pending
0000885550-24-000119-xbrl.zip	Edgar Link	pending
cacc-20240930.htm	Edgar Link	pending
cacc-20240930.xsd	Edgar Link	pending
cacc-20240930xex1023.htm	Edgar Link	pending
cacc-20240930xex31a.htm	Edgar Link	pending
cacc-20240930xex31b.htm	Edgar Link	pending
cacc-20240930xex32a.htm	Edgar Link	pending
cacc-20240930xex32b.htm	Edgar Link	pending
cacc-20240930xex4164.htm	Edgar Link	pending
Financial_Report.xlsx	Edgar Link	pending
MetaLinks.json	Edgar Link	pending
R1.htm	Edgar Link	pending
R10.htm	Edgar Link	pending
R11.htm	Edgar Link	pending
R12.htm	Edgar Link	pending
R13.htm	Edgar Link	pending
R14.htm	Edgar Link	pending
R15.htm	Edgar Link	pending
R16.htm	Edgar Link	pending
R17.htm	Edgar Link	pending
R18.htm	Edgar Link	pending
R19.htm	Edgar Link	pending
R2.htm	Edgar Link	pending
R20.htm	Edgar Link	pending
R21.htm	Edgar Link	pending
R22.htm	Edgar Link	pending
R23.htm	Edgar Link	pending
cacc-20240930_cal.xml	Edgar Link	unprocessable
cacc-20240930_def.xml	Edgar Link	unprocessable
cacc-20240930_lab.xml	Edgar Link	unprocessable
cacc-20240930_pre.xml	Edgar Link	unprocessable
FilingSummary.xml	Edgar Link	unprocessable
cacc-20240930_htm.xml	Edgar Link	completed
R24.htm	Edgar Link	pending
R25.htm	Edgar Link	pending
R26.htm	Edgar Link	pending
R27.htm	Edgar Link	pending
R28.htm	Edgar Link	pending
R29.htm	Edgar Link	pending
R3.htm	Edgar Link	pending
R30.htm	Edgar Link	pending
R31.htm	Edgar Link	pending
R32.htm	Edgar Link	pending
R33.htm	Edgar Link	pending
R34.htm	Edgar Link	pending
R35.htm	Edgar Link	pending
R36.htm	Edgar Link	pending
R37.htm	Edgar Link	pending
R38.htm	Edgar Link	pending
R39.htm	Edgar Link	pending
R4.htm	Edgar Link	pending
R40.htm	Edgar Link	pending
R41.htm	Edgar Link	pending
R42.htm	Edgar Link	pending
R43.htm	Edgar Link	pending
R44.htm	Edgar Link	pending
R45.htm	Edgar Link	pending
R46.htm	Edgar Link	pending
R47.htm	Edgar Link	pending
R48.htm	Edgar Link	pending
R49.htm	Edgar Link	pending
R5.htm	Edgar Link	pending
R50.htm	Edgar Link	pending
R51.htm	Edgar Link	pending
R52.htm	Edgar Link	pending
R53.htm	Edgar Link	pending
R54.htm	Edgar Link	pending
R55.htm	Edgar Link	pending
R56.htm	Edgar Link	pending
R57.htm	Edgar Link	pending
R58.htm	Edgar Link	pending
R59.htm	Edgar Link	pending
R6.htm	Edgar Link	pending
R60.htm	Edgar Link	pending
R61.htm	Edgar Link	pending
R62.htm	Edgar Link	pending
R63.htm	Edgar Link	pending
R64.htm	Edgar Link	pending
R65.htm	Edgar Link	pending
R66.htm	Edgar Link	pending
R67.htm	Edgar Link	pending
R68.htm	Edgar Link	pending
R69.htm	Edgar Link	pending
R7.htm	Edgar Link	pending
R70.htm	Edgar Link	pending
R71.htm	Edgar Link	pending
R72.htm	Edgar Link	pending
R73.htm	Edgar Link	pending
R74.htm	Edgar Link	pending
R75.htm	Edgar Link	pending
R76.htm	Edgar Link	pending
R8.htm	Edgar Link	pending
R9.htm	Edgar Link	pending
report.css	Edgar Link	pending
Show.js	Edgar Link	pending

Create your account

Find Stocks Worth Researching

Deeply Understand Businesses

Value Businesses Intelligently

$CACC
CREDIT ACCEPTANCE CORP Stock $cacc

2024 Q4 Form 10-Q Financial Statement

#000088555024000119 Filed on October 30, 2024

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$CACC CREDIT ACCEPTANCE CORP Stock $cacc

2024 Q4 Form 10-Q Financial Statement

#000088555024000119 Filed on October 30, 2024

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$CACC
CREDIT ACCEPTANCE CORP Stock $cacc