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    <link:label id="lab_us-gaap_RevenueFromRelatedParties_0E3624025E1C0F0AFE6AEF7E495EF7D6_terseLabel_en-US" xlink:label="lab_us-gaap_RevenueFromRelatedParties_0E3624025E1C0F0AFE6AEF7E495EF7D6" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dealer Loan revenue</link:label>
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    <link:label id="lab_cacc_LoansAxis_7BB86CFE987169C583F258DFC413F284_documentation_en-US" xlink:label="lab_cacc_LoansAxis_7BB86CFE987169C583F258DFC413F284" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans [Axis]</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_LoansAxis" xlink:label="loc_cacc_LoansAxis_7BB86CFE987169C583F258DFC413F284" xlink:type="locator" />
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    <link:label id="lab_cacc_LoansDomain_F4A0A6C2B44475DC6C7D58DFC4138A17_terseLabel_en-US" xlink:label="lab_cacc_LoansDomain_F4A0A6C2B44475DC6C7D58DFC4138A17" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans [Domain]</link:label>
    <link:label id="lab_cacc_LoansDomain_F4A0A6C2B44475DC6C7D58DFC4138A17_label_en-US" xlink:label="lab_cacc_LoansDomain_F4A0A6C2B44475DC6C7D58DFC4138A17" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans [Domain]</link:label>
    <link:label id="lab_cacc_LoansDomain_F4A0A6C2B44475DC6C7D58DFC4138A17_documentation_en-US" xlink:label="lab_cacc_LoansDomain_F4A0A6C2B44475DC6C7D58DFC4138A17" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans [Domain]</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_LoansDomain" xlink:label="loc_cacc_LoansDomain_F4A0A6C2B44475DC6C7D58DFC4138A17" xlink:type="locator" />
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    <link:label id="lab_cacc_LoansOriginatingIn2005Member_CDC69ACC97EA996169B358DFC41330C6_terseLabel_en-US" xlink:label="lab_cacc_LoansOriginatingIn2005Member_CDC69ACC97EA996169B358DFC41330C6" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans Originating In 2005 [Member]</link:label>
    <link:label id="lab_cacc_LoansOriginatingIn2005Member_CDC69ACC97EA996169B358DFC41330C6_label_en-US" xlink:label="lab_cacc_LoansOriginatingIn2005Member_CDC69ACC97EA996169B358DFC41330C6" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Originating In2005 [Member]</link:label>
    <link:label id="lab_cacc_LoansOriginatingIn2005Member_CDC69ACC97EA996169B358DFC41330C6_documentation_en-US" xlink:label="lab_cacc_LoansOriginatingIn2005Member_CDC69ACC97EA996169B358DFC41330C6" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Originating In 2005 [Member]</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_LoansOriginatingIn2005Member" xlink:label="loc_cacc_LoansOriginatingIn2005Member_CDC69ACC97EA996169B358DFC41330C6" xlink:type="locator" />
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    <link:label id="lab_cacc_LoansOriginatingIn2006Member_EAA262722F73DEEB881A58DFC41352CA_terseLabel_en-US" xlink:label="lab_cacc_LoansOriginatingIn2006Member_EAA262722F73DEEB881A58DFC41352CA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans Originating In 2006 [Member]</link:label>
    <link:label id="lab_cacc_LoansOriginatingIn2006Member_EAA262722F73DEEB881A58DFC41352CA_label_en-US" xlink:label="lab_cacc_LoansOriginatingIn2006Member_EAA262722F73DEEB881A58DFC41352CA" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Originating In2006 [Member]</link:label>
    <link:label id="lab_cacc_LoansOriginatingIn2006Member_EAA262722F73DEEB881A58DFC41352CA_documentation_en-US" xlink:label="lab_cacc_LoansOriginatingIn2006Member_EAA262722F73DEEB881A58DFC41352CA" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Originating In 2006 [Member]</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_LoansOriginatingIn2006Member" xlink:label="loc_cacc_LoansOriginatingIn2006Member_EAA262722F73DEEB881A58DFC41352CA" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cacc_LoansOriginatingIn2006Member_EAA262722F73DEEB881A58DFC41352CA" xlink:to="lab_cacc_LoansOriginatingIn2006Member_EAA262722F73DEEB881A58DFC41352CA" xlink:type="arc" />
    <link:label id="lab_cacc_LoansOriginatingIn2007Member_007F4E17932FCA48E69B58DFC413A57B_terseLabel_en-US" xlink:label="lab_cacc_LoansOriginatingIn2007Member_007F4E17932FCA48E69B58DFC413A57B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans Originating In 2007 [Member]</link:label>
    <link:label id="lab_cacc_LoansOriginatingIn2007Member_007F4E17932FCA48E69B58DFC413A57B_label_en-US" xlink:label="lab_cacc_LoansOriginatingIn2007Member_007F4E17932FCA48E69B58DFC413A57B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Originating In2007 [Member]</link:label>
    <link:label id="lab_cacc_LoansOriginatingIn2007Member_007F4E17932FCA48E69B58DFC413A57B_documentation_en-US" xlink:label="lab_cacc_LoansOriginatingIn2007Member_007F4E17932FCA48E69B58DFC413A57B" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Originating In 2007 [Member]</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_LoansOriginatingIn2007Member" xlink:label="loc_cacc_LoansOriginatingIn2007Member_007F4E17932FCA48E69B58DFC413A57B" xlink:type="locator" />
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    <link:label id="lab_cacc_LoansOriginatingIn2008Member_68735B1CDE7FA1D484D758DFC4137EBC_terseLabel_en-US" xlink:label="lab_cacc_LoansOriginatingIn2008Member_68735B1CDE7FA1D484D758DFC4137EBC" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans Originating In 2008 [Member]</link:label>
    <link:label id="lab_cacc_LoansOriginatingIn2008Member_68735B1CDE7FA1D484D758DFC4137EBC_label_en-US" xlink:label="lab_cacc_LoansOriginatingIn2008Member_68735B1CDE7FA1D484D758DFC4137EBC" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Originating In2008 [Member]</link:label>
    <link:label id="lab_cacc_LoansOriginatingIn2008Member_68735B1CDE7FA1D484D758DFC4137EBC_documentation_en-US" xlink:label="lab_cacc_LoansOriginatingIn2008Member_68735B1CDE7FA1D484D758DFC4137EBC" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Originating In 2008 [Member]</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_LoansOriginatingIn2008Member" xlink:label="loc_cacc_LoansOriginatingIn2008Member_68735B1CDE7FA1D484D758DFC4137EBC" xlink:type="locator" />
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    <link:label id="lab_cacc_LoansOriginatingIn2009Member_FEEC675B38BDCDFE9FC658DFC4138ACF_terseLabel_en-US" xlink:label="lab_cacc_LoansOriginatingIn2009Member_FEEC675B38BDCDFE9FC658DFC4138ACF" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans Originating In 2009 [Member]</link:label>
    <link:label id="lab_cacc_LoansOriginatingIn2009Member_FEEC675B38BDCDFE9FC658DFC4138ACF_label_en-US" xlink:label="lab_cacc_LoansOriginatingIn2009Member_FEEC675B38BDCDFE9FC658DFC4138ACF" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Originating In2009 [Member]</link:label>
    <link:label id="lab_cacc_LoansOriginatingIn2009Member_FEEC675B38BDCDFE9FC658DFC4138ACF_documentation_en-US" xlink:label="lab_cacc_LoansOriginatingIn2009Member_FEEC675B38BDCDFE9FC658DFC4138ACF" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Originating In 2009 [Member]</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_LoansOriginatingIn2009Member" xlink:label="loc_cacc_LoansOriginatingIn2009Member_FEEC675B38BDCDFE9FC658DFC4138ACF" xlink:type="locator" />
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    <link:label id="lab_cacc_LoansOriginatingIn2010Member_15AFE7A74B94A63F953058DFC4138F7C_documentation_en-US" xlink:label="lab_cacc_LoansOriginatingIn2010Member_15AFE7A74B94A63F953058DFC4138F7C" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Originating In 2010 [Member]</link:label>
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    <link:loc xlink:href="cacc-20140930.xsd#cacc_FivePercentCapInterestRateMember" xlink:label="loc_cacc_FivePercentCapInterestRateMember_14FF13E23490A4CE66EA53FA4761AC7C" xlink:type="locator" />
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    <link:label id="lab_cacc_CostMember_A9E917159A0A369AC78CEF7E4920FAB3_label_en-US" xlink:label="lab_cacc_CostMember_A9E917159A0A369AC78CEF7E4920FAB3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cost [Member]</link:label>
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    <link:loc xlink:href="cacc-20140930.xsd#cacc_WarehouseFacilitiesMember" xlink:label="loc_cacc_WarehouseFacilitiesMember_E16065451B4C1BFE51DB58B068E7DCE1" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cacc_WarehouseFacilitiesMember_E16065451B4C1BFE51DB58B068E7DCE1" xlink:to="lab_cacc_WarehouseFacilitiesMember_E16065451B4C1BFE51DB58B068E7DCE1" xlink:type="arc" />
    <link:label id="lab_cacc_WarehouseFacilityFourAndFiveMember_CDD37D57849F229BB30958B068E7FC85_terseLabel_en-US" xlink:label="lab_cacc_WarehouseFacilityFourAndFiveMember_CDD37D57849F229BB30958B068E7FC85" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Warehouse Facility IV And V [Member]</link:label>
    <link:label id="lab_cacc_WarehouseFacilityFourAndFiveMember_CDD37D57849F229BB30958B068E7FC85_label_en-US" xlink:label="lab_cacc_WarehouseFacilityFourAndFiveMember_CDD37D57849F229BB30958B068E7FC85" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Warehouse Facility Four And Five [Member]</link:label>
    <link:label id="lab_cacc_WarehouseFacilityFourAndFiveMember_CDD37D57849F229BB30958B068E7FC85_documentation_en-US" xlink:label="lab_cacc_WarehouseFacilityFourAndFiveMember_CDD37D57849F229BB30958B068E7FC85" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Warehouse Facility Four And Five [Member]</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_WarehouseFacilityFourAndFiveMember" xlink:label="loc_cacc_WarehouseFacilityFourAndFiveMember_CDD37D57849F229BB30958B068E7FC85" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cacc_WarehouseFacilityFourAndFiveMember_CDD37D57849F229BB30958B068E7FC85" xlink:to="lab_cacc_WarehouseFacilityFourAndFiveMember_CDD37D57849F229BB30958B068E7FC85" xlink:type="arc" />
    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_96F3B1EA92CD69D5831058B068E7FFEF_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_96F3B1EA92CD69D5831058B068E7FFEF" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of credit facility</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_96F3B1EA92CD69D5831058B068E7FFEF" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_96F3B1EA92CD69D5831058B068E7FFEF" xlink:to="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_96F3B1EA92CD69D5831058B068E7FFEF" xlink:type="arc" />
    <link:label id="lab_cacc_PercentageOfNetBookValueOfLoans_80EB59B5C2086BEBED2E58B068E74CE3_terseLabel_en-US" xlink:label="lab_cacc_PercentageOfNetBookValueOfLoans_80EB59B5C2086BEBED2E58B068E74CE3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of net book value of loans</link:label>
    <link:label id="lab_cacc_PercentageOfNetBookValueOfLoans_80EB59B5C2086BEBED2E58B068E74CE3_label_en-US" xlink:label="lab_cacc_PercentageOfNetBookValueOfLoans_80EB59B5C2086BEBED2E58B068E74CE3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Net Book Value Of Loans</link:label>
    <link:label id="lab_cacc_PercentageOfNetBookValueOfLoans_80EB59B5C2086BEBED2E58B068E74CE3_documentation_en-US" xlink:label="lab_cacc_PercentageOfNetBookValueOfLoans_80EB59B5C2086BEBED2E58B068E74CE3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of net book value of loans, maximum.</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_PercentageOfNetBookValueOfLoans" xlink:label="loc_cacc_PercentageOfNetBookValueOfLoans_80EB59B5C2086BEBED2E58B068E74CE3" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cacc_PercentageOfNetBookValueOfLoans_80EB59B5C2086BEBED2E58B068E74CE3" xlink:to="lab_cacc_PercentageOfNetBookValueOfLoans_80EB59B5C2086BEBED2E58B068E74CE3" xlink:type="arc" />
    <link:label id="lab_cacc_MaximumHedgingReserve_910245C75F81CD6D1B3F58B068E7D9B3_terseLabel_en-US" xlink:label="lab_cacc_MaximumHedgingReserve_910245C75F81CD6D1B3F58B068E7D9B3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum hedging reserve</link:label>
    <link:label id="lab_cacc_MaximumHedgingReserve_910245C75F81CD6D1B3F58B068E7D9B3_label_en-US" xlink:label="lab_cacc_MaximumHedgingReserve_910245C75F81CD6D1B3F58B068E7D9B3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum Hedging Reserve</link:label>
    <link:label id="lab_cacc_MaximumHedgingReserve_910245C75F81CD6D1B3F58B068E7D9B3_documentation_en-US" xlink:label="lab_cacc_MaximumHedgingReserve_910245C75F81CD6D1B3F58B068E7D9B3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maximum hedging reserve</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_MaximumHedgingReserve" xlink:label="loc_cacc_MaximumHedgingReserve_910245C75F81CD6D1B3F58B068E7D9B3" xlink:type="locator" />
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    <link:label id="lab_cacc_NumberWarehouseFacilities_A1F3C634ACBB2509BE1D58B068E770DD_terseLabel_en-US" xlink:label="lab_cacc_NumberWarehouseFacilities_A1F3C634ACBB2509BE1D58B068E770DD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of warehouse facilities</link:label>
    <link:label id="lab_cacc_NumberWarehouseFacilities_A1F3C634ACBB2509BE1D58B068E770DD_label_en-US" xlink:label="lab_cacc_NumberWarehouseFacilities_A1F3C634ACBB2509BE1D58B068E770DD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Warehouse Facilities</link:label>
    <link:label id="lab_cacc_NumberWarehouseFacilities_A1F3C634ACBB2509BE1D58B068E770DD_documentation_en-US" xlink:label="lab_cacc_NumberWarehouseFacilities_A1F3C634ACBB2509BE1D58B068E770DD" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Warehouse Facilities</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_NumberWarehouseFacilities" xlink:label="loc_cacc_NumberWarehouseFacilities_A1F3C634ACBB2509BE1D58B068E770DD" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cacc_NumberWarehouseFacilities_A1F3C634ACBB2509BE1D58B068E770DD" xlink:to="lab_cacc_NumberWarehouseFacilities_A1F3C634ACBB2509BE1D58B068E770DD" xlink:type="arc" />
    <link:label id="lab_cacc_PercentageOfCollectionsOnContributedLoans_0A2D93B8ED637538094958B068E7DE8A_terseLabel_en-US" xlink:label="lab_cacc_PercentageOfCollectionsOnContributedLoans_0A2D93B8ED637538094958B068E7DE8A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of collections on contributed loans</link:label>
    <link:label id="lab_cacc_PercentageOfCollectionsOnContributedLoans_0A2D93B8ED637538094958B068E7DE8A_label_en-US" xlink:label="lab_cacc_PercentageOfCollectionsOnContributedLoans_0A2D93B8ED637538094958B068E7DE8A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of collections on contributed loans</link:label>
    <link:label id="lab_cacc_PercentageOfCollectionsOnContributedLoans_0A2D93B8ED637538094958B068E7DE8A_documentation_en-US" xlink:label="lab_cacc_PercentageOfCollectionsOnContributedLoans_0A2D93B8ED637538094958B068E7DE8A" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of collections on contributed loans</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_PercentageOfCollectionsOnContributedLoans" xlink:label="loc_cacc_PercentageOfCollectionsOnContributedLoans_0A2D93B8ED637538094958B068E7DE8A" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cacc_PercentageOfCollectionsOnContributedLoans_0A2D93B8ED637538094958B068E7DE8A" xlink:to="lab_cacc_PercentageOfCollectionsOnContributedLoans_0A2D93B8ED637538094958B068E7DE8A" xlink:type="arc" />
    <link:label id="lab_cacc_MonthlyServicingFeePerFinancing_949691E090CCBB36CD8358B068E7F8F5_terseLabel_en-US" xlink:label="lab_cacc_MonthlyServicingFeePerFinancing_949691E090CCBB36CD8358B068E7F8F5" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Monthly servicing fee per financing</link:label>
    <link:label id="lab_cacc_MonthlyServicingFeePerFinancing_949691E090CCBB36CD8358B068E7F8F5_label_en-US" xlink:label="lab_cacc_MonthlyServicingFeePerFinancing_949691E090CCBB36CD8358B068E7F8F5" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Monthly Servicing Fee Per Financing</link:label>
    <link:label id="lab_cacc_MonthlyServicingFeePerFinancing_949691E090CCBB36CD8358B068E7F8F5_documentation_en-US" xlink:label="lab_cacc_MonthlyServicingFeePerFinancing_949691E090CCBB36CD8358B068E7F8F5" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Monthly Servicing Fee Per Financing</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_MonthlyServicingFeePerFinancing" xlink:label="loc_cacc_MonthlyServicingFeePerFinancing_949691E090CCBB36CD8358B068E7F8F5" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cacc_MonthlyServicingFeePerFinancing_949691E090CCBB36CD8358B068E7F8F5" xlink:to="lab_cacc_MonthlyServicingFeePerFinancing_949691E090CCBB36CD8358B068E7F8F5" xlink:type="arc" />
    <link:label id="lab_cacc_Debtfinancingclosedate_B8A3283F4C20FFC6A4C858B068E79E4D_terseLabel_en-US" xlink:label="lab_cacc_Debtfinancingclosedate_B8A3283F4C20FFC6A4C858B068E79E4D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt financing close date</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_Debtfinancingclosedate" xlink:label="loc_cacc_Debtfinancingclosedate_B8A3283F4C20FFC6A4C858B068E79E4D" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cacc_Debtfinancingclosedate_B8A3283F4C20FFC6A4C858B068E79E4D" xlink:to="lab_cacc_Debtfinancingclosedate_B8A3283F4C20FFC6A4C858B068E79E4D" xlink:type="arc" />
    <link:label id="lab_us-gaap_DebtInstrumentIssuanceDate1_1C7876FD9C4318D70D0558B068E754B6_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentIssuanceDate1_1C7876FD9C4318D70D0558B068E754B6" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Close date, secured financings</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentIssuanceDate1_1C7876FD9C4318D70D0558B068E754B6_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentIssuanceDate1_1C7876FD9C4318D70D0558B068E754B6" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Issuance Date</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentIssuanceDate1" xlink:label="loc_us-gaap_DebtInstrumentIssuanceDate1_1C7876FD9C4318D70D0558B068E754B6" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentIssuanceDate1_1C7876FD9C4318D70D0558B068E754B6" xlink:to="lab_us-gaap_DebtInstrumentIssuanceDate1_1C7876FD9C4318D70D0558B068E754B6" xlink:type="arc" />
    <link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_36037308CC82D5E6EE2E58B068E74235_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_36037308CC82D5E6EE2E58B068E74235" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior notes stated interest rate</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_36037308CC82D5E6EE2E58B068E74235_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_36037308CC82D5E6EE2E58B068E74235" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Interest Rate, Stated Percentage</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_36037308CC82D5E6EE2E58B068E74235" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_36037308CC82D5E6EE2E58B068E74235" xlink:to="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_36037308CC82D5E6EE2E58B068E74235" xlink:type="arc" />
    <link:label id="lab_us-gaap_RepaymentsOfSeniorDebt_A4E1689BA0FB5E1EBB9958B068E7A16C_terseLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfSeniorDebt_A4E1689BA0FB5E1EBB9958B068E7A16C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repayment of senior notes</link:label>
    <link:label id="lab_us-gaap_RepaymentsOfSeniorDebt_A4E1689BA0FB5E1EBB9958B068E7A16C_label_en-US" xlink:label="lab_us-gaap_RepaymentsOfSeniorDebt_A4E1689BA0FB5E1EBB9958B068E7A16C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repayments of Senior Debt</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepaymentsOfSeniorDebt" xlink:label="loc_us-gaap_RepaymentsOfSeniorDebt_A4E1689BA0FB5E1EBB9958B068E7A16C" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfSeniorDebt_A4E1689BA0FB5E1EBB9958B068E7A16C" xlink:to="lab_us-gaap_RepaymentsOfSeniorDebt_A4E1689BA0FB5E1EBB9958B068E7A16C" xlink:type="arc" />
    <link:label id="lab_us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed_80D53EAC6EDE50EA389C58B068E7425A_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed_80D53EAC6EDE50EA389C58B068E7425A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Redemption price, percentage of principal amount redeemed</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed_80D53EAC6EDE50EA389C58B068E7425A_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed_80D53EAC6EDE50EA389C58B068E7425A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Redemption Price, Percentage of Principal Amount Redeemed</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed_80D53EAC6EDE50EA389C58B068E7425A" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed_80D53EAC6EDE50EA389C58B068E7425A" xlink:to="lab_us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed_80D53EAC6EDE50EA389C58B068E7425A" xlink:type="arc" />
    <link:label id="lab_us-gaap_RepaymentsOfOtherDebt_79E3C2A6B23B2A081E3758B068E71D30_terseLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfOtherDebt_79E3C2A6B23B2A081E3758B068E71D30" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repayments of other debt</link:label>
    <link:label id="lab_us-gaap_RepaymentsOfOtherDebt_79E3C2A6B23B2A081E3758B068E71D30_label_en-US" xlink:label="lab_us-gaap_RepaymentsOfOtherDebt_79E3C2A6B23B2A081E3758B068E71D30" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repayments of Other Debt</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepaymentsOfOtherDebt" xlink:label="loc_us-gaap_RepaymentsOfOtherDebt_79E3C2A6B23B2A081E3758B068E71D30" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfOtherDebt_79E3C2A6B23B2A081E3758B068E71D30" xlink:to="lab_us-gaap_RepaymentsOfOtherDebt_79E3C2A6B23B2A081E3758B068E71D30" xlink:type="arc" />
    <link:label id="lab_cacc_DebtInstrumentCovenantNetIncomeForPastTwoQuarters_EEEB554B0E1B6448E8FC58B068E7729A_terseLabel_en-US" xlink:label="lab_cacc_DebtInstrumentCovenantNetIncomeForPastTwoQuarters_EEEB554B0E1B6448E8FC58B068E7729A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt covenants</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="loc_us-gaap_ProvisionForLoanAndLeaseLosses_A4B416DE3020D698BD6B532DC24754B7" xlink:type="locator" />
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    <link:label id="lab_us-gaap_Depreciation_60CF359263962214B6E4532DC247005F_label_en-US" xlink:label="lab_us-gaap_Depreciation_60CF359263962214B6E4532DC247005F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depreciation</link:label>
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    <link:label id="lab_us-gaap_GainLossOnSaleOfPropertyPlantEquipment_79F8DE13C94BDDF53988532DC247A93A_label_en-US" xlink:label="lab_us-gaap_GainLossOnSaleOfPropertyPlantEquipment_79F8DE13C94BDDF53988532DC247A93A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Disposition of Property Plant Equipment</link:label>
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    <link:label id="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_2B16C1A059BF71DA05EF532DC2472621_verboseLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_2B16C1A059BF71DA05EF532DC2472621" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Provision (benefit) for deferred income taxes</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract_9E2AC8A1398F2057E7F7532DC24710F2" xlink:type="locator" />
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    <link:label id="lab_us-gaap_InterestPaidNet_D4C8B8364E05E1EE89B1532DC247AD40_terseLabel_en-US" xlink:label="lab_us-gaap_InterestPaidNet_D4C8B8364E05E1EE89B1532DC247AD40" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash paid during the period for interest</link:label>
    <link:label id="lab_us-gaap_InterestPaidNet_D4C8B8364E05E1EE89B1532DC247AD40_label_en-US" xlink:label="lab_us-gaap_InterestPaidNet_D4C8B8364E05E1EE89B1532DC247AD40" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Paid, Net</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestPaidNet" xlink:label="loc_us-gaap_InterestPaidNet_D4C8B8364E05E1EE89B1532DC247AD40" xlink:type="locator" />
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    <link:label id="lab_us-gaap_IncomeTaxesPaidNet_D77D38850A9A1D93E9E7532DC2477ED0_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxesPaidNet_D77D38850A9A1D93E9E7532DC2477ED0" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash paid during the period for income taxes</link:label>
    <link:label id="lab_us-gaap_IncomeTaxesPaidNet_D77D38850A9A1D93E9E7532DC2477ED0_label_en-US" xlink:label="lab_us-gaap_IncomeTaxesPaidNet_D77D38850A9A1D93E9E7532DC2477ED0" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Taxes Paid, Net</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxesPaidNet" xlink:label="loc_us-gaap_IncomeTaxesPaidNet_D77D38850A9A1D93E9E7532DC2477ED0" xlink:type="locator" />
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    <link:label id="lab_cacc_LoansReceivableContractualNetCashFlowsAtAssignment_F78F68A802EF33D9929EEFB129976AB9_terseLabel_en-US" xlink:label="lab_cacc_LoansReceivableContractualNetCashFlowsAtAssignment_F78F68A802EF33D9929EEFB129976AB9" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contractual net cash flows at the time of assignment</link:label>
    <link:label id="lab_cacc_LoansReceivableContractualNetCashFlowsAtAssignment_F78F68A802EF33D9929EEFB129976AB9_label_en-US" xlink:label="lab_cacc_LoansReceivableContractualNetCashFlowsAtAssignment_F78F68A802EF33D9929EEFB129976AB9" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable Contractual Net Cash Flows At Assignment</link:label>
    <link:label id="lab_cacc_LoansReceivableContractualNetCashFlowsAtAssignment_F78F68A802EF33D9929EEFB129976AB9_documentation_en-US" xlink:label="lab_cacc_LoansReceivableContractualNetCashFlowsAtAssignment_F78F68A802EF33D9929EEFB129976AB9" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Receivable Contractual Net Cash Flows At Assignment</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_LoansReceivableContractualNetCashFlowsAtAssignment" xlink:label="loc_cacc_LoansReceivableContractualNetCashFlowsAtAssignment_F78F68A802EF33D9929EEFB129976AB9" xlink:type="locator" />
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    <link:label id="lab_cacc_LoansReceivableExpectedNetCashFlowsAtAssignment_00F8AC1EBDD2055535D3EFB12997F149_terseLabel_en-US" xlink:label="lab_cacc_LoansReceivableExpectedNetCashFlowsAtAssignment_00F8AC1EBDD2055535D3EFB12997F149" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected net cash flows at the time of assignment</link:label>
    <link:label id="lab_cacc_LoansReceivableExpectedNetCashFlowsAtAssignment_00F8AC1EBDD2055535D3EFB12997F149_label_en-US" xlink:label="lab_cacc_LoansReceivableExpectedNetCashFlowsAtAssignment_00F8AC1EBDD2055535D3EFB12997F149" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable Expected Net Cash Flows At Assignment</link:label>
    <link:label id="lab_cacc_LoansReceivableExpectedNetCashFlowsAtAssignment_00F8AC1EBDD2055535D3EFB12997F149_documentation_en-US" xlink:label="lab_cacc_LoansReceivableExpectedNetCashFlowsAtAssignment_00F8AC1EBDD2055535D3EFB12997F149" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Receivable Expected Net Cash Flows At Assignment</link:label>
    <link:loc xlink:href="cacc-20140930.xsd#cacc_LoansReceivableExpectedNetCashFlowsAtAssignment" xlink:label="loc_cacc_LoansReceivableExpectedNetCashFlowsAtAssignment_00F8AC1EBDD2055535D3EFB12997F149" xlink:type="locator" />
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    <link:label id="lab_cacc_LoansReceivableFairValueOfNetCashFlowsAtAssignment_3F7D27D6DDB3774169DBEFB1299767EC_terseLabel_en-US" xlink:label="lab_cacc_LoansReceivableFairValueOfNetCashFlowsAtAssignment_3F7D27D6DDB3774169DBEFB1299767EC" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value at the time of assignment</link:label>
    <link:label id="lab_cacc_LoansReceivableFairValueOfNetCashFlowsAtAssignment_3F7D27D6DDB3774169DBEFB1299767EC_label_en-US" xlink:label="lab_cacc_LoansReceivableFairValueOfNetCashFlowsAtAssignment_3F7D27D6DDB3774169DBEFB1299767EC" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable Fair Value Of Net Cash Flows At Assignment</link:label>
    <link:label id="lab_cacc_LoansReceivableFairValueOfNetCashFlowsAtAssignment_3F7D27D6DDB3774169DBEFB1299767EC_documentation_en-US" xlink:label="lab_cacc_LoansReceivableFairValueOfNetCashFlowsAtAssignment_3F7D27D6DDB3774169DBEFB1299767EC" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Receivable Fair Value Of Net Cash Flows At Assignment</link:label>
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    <link:label id="lab_cacc_LoansandLeasesReceivableNetRollForward_AB55518C11BCF5F4AC4BA3F072006614_terseLabel_en-US" xlink:label="lab_cacc_LoansandLeasesReceivableNetRollForward_AB55518C11BCF5F4AC4BA3F072006614" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and Leases Receivable, Net [Roll Forward]</link:label>
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    <link:label id="lab_cacc_LoansandLeasesReceivableNetRollForward_AB55518C11BCF5F4AC4BA3F072006614_documentation_en-US" xlink:label="lab_cacc_LoansandLeasesReceivableNetRollForward_AB55518C11BCF5F4AC4BA3F072006614" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans and Leases Receivable, Net [Roll Forward]</link:label>
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    <link:label id="lab_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_0BA7CC90230673CB91F2A3F072002FA3_periodStartLabel_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_0BA7CC90230673CB91F2A3F072002FA3" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance, beginning of period</link:label>
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    <link:label id="lab_cacc_NewConsumerLoanAssignments_76C5C854519F8EC19499A3F07200F855_terseLabel_en-US" xlink:label="lab_cacc_NewConsumerLoanAssignments_76C5C854519F8EC19499A3F07200F855" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">New Consumer Loan assignments</link:label>
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    <link:label id="lab_us-gaap_ProceedsFromCollectionOfLoansReceivable_60EEE6802CF25F30A6DDA3F07200A631_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromCollectionOfLoansReceivable_60EEE6802CF25F30A6DDA3F07200A631" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Principal collected on Loans receivable</link:label>
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    <link:label id="lab_cacc_AcceleratedPaymentsOfDealerHoldback_775860EC6CEE6C25BE24A3F072001635_negatedTerseLabel_en-US" xlink:label="lab_cacc_AcceleratedPaymentsOfDealerHoldback_775860EC6CEE6C25BE24A3F072001635" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Accelerated Dealer Holdback payments</link:label>
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    <link:label id="lab_cacc_LoansAndLeasesReceivableTransfers_8B3B556A9EE752910060A3F072008060_negatedTerseLabel_en-US" xlink:label="lab_cacc_LoansAndLeasesReceivableTransfers_8B3B556A9EE752910060A3F072008060" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Transfers</link:label>
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    <link:label id="lab_cacc_LoansAndLeasesReceivableTransfers_8B3B556A9EE752910060A3F072008060_documentation_en-US" xlink:label="lab_cacc_LoansAndLeasesReceivableTransfers_8B3B556A9EE752910060A3F072008060" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans and leases receivable transfers.</link:label>
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