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  <xsd:element abstract="true" id="cacc_LoansandLeasesReceivableNetRollForward" name="LoansandLeasesReceivableNetRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
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  <xsd:element id="cacc_NetBookValueOfLoansPledgedAsCollateral" name="NetBookValueOfLoansPledgedAsCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cacc_NewConsumerLoanAssignments" name="NewConsumerLoanAssignments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cacc_NumberOfBusinessPrograms" name="NumberOfBusinessPrograms" nillable="true" substitutionGroup="xbrli:item" type="xbrli:positiveIntegerItemType" xbrli:periodType="instant" />
  <xsd:element id="cacc_NumberOfConsumerLoansAssignedToReceiveAcceleratedDealerHoldbackPayment" name="NumberOfConsumerLoansAssignedToReceiveAcceleratedDealerHoldbackPayment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:positiveIntegerItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_NumberOfConsumersRequiredToGroupAdvances" name="NumberOfConsumersRequiredToGroupAdvances" nillable="true" substitutionGroup="xbrli:item" type="xbrli:positiveIntegerItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_NumberWarehouseFacilities" name="NumberWarehouseFacilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_NumberofPortfolioSegments" name="NumberofPortfolioSegments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_OpenMarketMember" name="OpenMarketMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_PaymentsForProceedsFromLoansReceivableProgramsAxis" name="PaymentsForProceedsFromLoansReceivableProgramsAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_PaymentsForProceedsFromLoansReceivableProgramsDomain" name="PaymentsForProceedsFromLoansReceivableProgramsDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_PaymentsOfDealerHoldback" name="PaymentsOfDealerHoldback" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cacc_PercentageOfAcceleratedPaymentsOfDealerHoldback" name="PercentageOfAcceleratedPaymentsOfDealerHoldback" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_PercentageOfAdvancesToDealers" name="PercentageOfAdvancesToDealers" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_PercentageOfCollectionsOnContributedLoans" name="PercentageOfCollectionsOnContributedLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_PercentageOfDueFromAffiliates" name="PercentageOfDueFromAffiliates" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cacc_PercentageOfNetBookValueOfLoans" name="PercentageOfNetBookValueOfLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_PercentageOfNewConsumerLoanAssignments" name="PercentageOfNewConsumerLoanAssignments" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_PercentageOfPaymentsOfDealerHoldback" name="PercentageOfPaymentsOfDealerHoldback" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_PercentageOfRelatedPartyTransactionRevenuesFromTransaction" name="PercentageOfRelatedPartyTransactionRevenuesFromTransaction" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_PercentageOfRevenueFromEnrollmentAndRegistrationFeesInProgram" name="PercentageOfRevenueFromEnrollmentAndRegistrationFeesInProgram" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_PeriodAfterConsumerLoansWithNoForecastedFutureNetCashFlows" name="PeriodAfterConsumerLoansWithNoForecastedFutureNetCashFlows" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_PeriodAfterDeterminationDealerLoanWriteOff" name="PeriodAfterDeterminationDealerLoanWriteOff" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_PeriodAfterDeterminationPurchasedLoanWriteOff" name="PeriodAfterDeterminationPurchasedLoanWriteOff" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_PortfolioProgramMember" name="PortfolioProgramMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_PurchaseProgramMember" name="PurchaseProgramMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_PurchasedLoansMember" name="PurchasedLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_RestrictedAvailableForSaleSecuritiesAmortizedCost" name="RestrictedAvailableForSaleSecuritiesAmortizedCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cacc_RestrictedCashAndCashEquivalentsFairValueDisclosure" name="RestrictedCashAndCashEquivalentsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cacc_RestrictedCashAndCashEquivalentsMember" name="RestrictedCashAndCashEquivalentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_RevenueFromEnrollmentAndRegistrationFeesInProgram" name="RevenueFromEnrollmentAndRegistrationFeesInProgram" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cacc_ScheduleOfAdditionalInformationRelatedToDebtInstrumentsTableTextBlock" name="ScheduleOfAdditionalInformationRelatedToDebtInstrumentsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_ScheduleOfChangesInAccountsNotesLoansAndFinancingReceivableTableTextBlock" name="ScheduleOfChangesInAccountsNotesLoansAndFinancingReceivableTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_ScheduleOfConsumerLoansForecastedCollectionPercentageTextBlock" name="ScheduleOfConsumerLoansForecastedCollectionPercentageTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_ScheduleOfConsumerLoansPerformanceTableTextBlock" name="ScheduleOfConsumerLoansPerformanceTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_ScheduleOfDebtInstrumentsTable" name="ScheduleOfDebtInstrumentsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_ScheduleOfNewConsumerLoanAssignmentsTableTextBlock" name="ScheduleOfNewConsumerLoanAssignmentsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_ScheduleOfPercentageOfConsumerLoansAssignedBasedOnUnitVolumesTableTextBlock" name="ScheduleOfPercentageOfConsumerLoansAssignedBasedOnUnitVolumesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_ScheduleOfReinsuranceActivityTableTextBlock" name="ScheduleOfReinsuranceActivityTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_ScheduleOfTrustAssetsAndReinsuranceLiabilitiesTableTextBlock" name="ScheduleOfTrustAssetsAndReinsuranceLiabilitiesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_SecuredFinancingFairValueDisclosure" name="SecuredFinancingFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cacc_ServiceFeeIncomeAsPercentageOfCollections" name="ServiceFeeIncomeAsPercentageOfCollections" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsConvertedWeightedAverageGrantDateFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsConvertedWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsWeightedAverageGrantDateFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cacc_StockOptionsRestrictedStockOrRestrictedStockUnitsMember" name="StockOptionsRestrictedStockOrRestrictedStockUnitsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchasedIncrease" name="StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchasedIncrease" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="cacc_StockRepurchaseProgramTenderOfferOfferingCosts" name="StockRepurchaseProgramTenderOfferOfferingCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cacc_StockRepurchasedDuringPeriodCostPerShare" name="StockRepurchasedDuringPeriodCostPerShare" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_StockRepurchasesTextBlock" name="StockRepurchasesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_SummaryOfChangesInAccretableYieldTableTextBlock" name="SummaryOfChangesInAccretableYieldTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_SummaryOfSignificantAccountingPoliciesLineItems" name="SummaryOfSignificantAccountingPoliciesLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_SummaryOfSignificantAccountingPoliciesTable" name="SummaryOfSignificantAccountingPoliciesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_TaxWithholdingsForShareBasedCompensationAwardsVestedMember" name="TaxWithholdingsForShareBasedCompensationAwardsVestedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_TenderOfferMember" name="TenderOfferMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_TermAssetBackedSecuredFinancingsTwoThousandElevenOneMember" name="TermAssetBackedSecuredFinancingsTwoThousandElevenOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_TermAssetBackedSecuredFinancingsTwoThousandFourteenOneMember" name="TermAssetBackedSecuredFinancingsTwoThousandFourteenOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_TermAssetBackedSecuredFinancingsTwoThousandFourteenTwoMember" name="TermAssetBackedSecuredFinancingsTwoThousandFourteenTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenOneMember" name="TermAssetBackedSecuredFinancingsTwoThousandThirteenOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveOneMember" name="TermAssetBackedSecuredFinancingsTwoThousandTwelveOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveTwoMember" name="TermAssetBackedSecuredFinancingsTwoThousandTwelveTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_TermAssetBackedSecuredfinancingsTwoThousandThirteenTwoMember" name="TermAssetBackedSecuredfinancingsTwoThousandThirteenTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_TrustAssetsAndReinsuranceLiabilitiesAxis" name="TrustAssetsAndReinsuranceLiabilitiesAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_TrustAssetsAndReinsuranceLiabilitiesDomain" name="TrustAssetsAndReinsuranceLiabilitiesDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_TrustAssetsMember" name="TrustAssetsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cacc_TwoThousandSeventeenSeniorNotesMember" name="TwoThousandSeventeenSeniorNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_TwoThousandTwentyOneSeniorNotesMember" name="TwoThousandTwentyOneSeniorNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_UnearnedPremiumMember" name="UnearnedPremiumMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_WarehouseFacilitiesMember" name="WarehouseFacilitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_WarehouseFacilityFourAndFiveMember" name="WarehouseFacilityFourAndFiveMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_WarehouseFacilityIIMember" name="WarehouseFacilityIIMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_WarehouseFacilityIVMember" name="WarehouseFacilityIVMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_WarehouseFacilityIVMemberStartingMarch2014Member" name="WarehouseFacilityIVMemberStartingMarch2014Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cacc_WarehouseFacilityVMember" name="WarehouseFacilityVMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
