XML 41 R67.htm IDEA: XBRL DOCUMENT
v2.4.1.9

Debt (Schedule Of Outstanding Debt Amount) (Details) (USD $) In Millions, unless otherwise specified | Dec. 31, 2014 | Dec. 31, 2013 | Mar. 29, 2012 | Sep. 20, 2012 | Apr. 25, 2013 | Oct. 31, 2013
--- | --- | --- | --- | --- | --- | ---
Debt Instrument [Line Items] |  |  |  |  |  |  |  |
Balance outstanding | $ 119.5 us-gaap_LineOfCredit |  | $ 102.8 us-gaap_LineOfCredit |  |  |  |  |
Balance outstanding | 300.0 us-gaap_SeniorLongTermNotes |  | 350.2 us-gaap_SeniorLongTermNotes |  |  |  |  |
Restricted cash and cash equivalents pledged as collateral | 157.6 us-gaap_RestrictedCashAndCashEquivalents |  | 111.3 us-gaap_RestrictedCashAndCashEquivalents |  |  |  |  |
Revolving Secured Line Of Credit [Member] |  |  |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |  |  |
Balance outstanding | 119.5 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = us-gaap_LineOfCreditMember |  | 102.8 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = us-gaap_LineOfCreditMember |  |  |  |  |
Amount available for borrowing | 115.5 us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity / us-gaap_DebtInstrumentAxis = us-gaap_LineOfCreditMember | [1] | 132.2 us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity / us-gaap_DebtInstrumentAxis = us-gaap_LineOfCreditMember | [1] |  |  |  |
Interest rate | 2.16%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = us-gaap_LineOfCreditMember |  | 2.04%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = us-gaap_LineOfCreditMember |  |  |  |  |
Warehouse Facility II [Member] |  |  |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |  |  |
Balance outstanding | 81.3 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIiMember |  | 0 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIiMember |  |  |  |  |
Amount available for borrowing | 243.7 us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIiMember | [1] | 325.0 us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIiMember | [1] |  |  |  |
Loans pledged as collateral | 104.1 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIiMember |  | 0 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIiMember |  |  |  |  |
Restricted cash and cash equivalents pledged as collateral | 2.0 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIiMember |  | 1.2 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIiMember |  |  |  |  |
Interest rate | 2.16%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIiMember |  | 2.17%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIiMember |  |  |  |  |
Warehouse Facility IV [Member] |  |  |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |  |  |
Balance outstanding | 19.9 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIVMember |  | 0 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIVMember |  |  |  |  |
Amount available for borrowing | 55.1 us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIVMember | [1] | 75.0 us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIVMember | [1] |  |  |  |
Loans pledged as collateral | 44.9 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIVMember |  | 0 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIVMember |  |  |  |  |
Restricted cash and cash equivalents pledged as collateral | 1.4 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIVMember |  | 0.2 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIVMember |  |  |  |  |
Interest rate | 2.17%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIVMember |  | 2.17%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityIVMember |  |  |  |  |
Warehouse Facility V [Member] |  |  |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |  |  |
Balance outstanding | 17.9 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityVMember | [2] | 0 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityVMember | [2] |  |  |  |
Amount available for borrowing | 57.1 us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityVMember | [1] | 75.0 us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityVMember | [1] |  |  |  |
Loans pledged as collateral | 34.9 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityVMember |  | 0 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityVMember |  |  |  |  |
Restricted cash and cash equivalents pledged as collateral | 1.2 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityVMember |  | 0.3 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityVMember |  |  |  |  |
Interest rate | 1.77%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityVMember |  | 1.77%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_WarehouseFacilityVMember |  |  |  |  |
Term ABS 2011-1 [Member] |  |  |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |  |  |
Balance outstanding | 0 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandElevenOneMember |  | 144.2 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandElevenOneMember |  |  |  |  |
Loans pledged as collateral | 0 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandElevenOneMember |  | 215.3 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandElevenOneMember |  |  |  |  |
Restricted cash and cash equivalents pledged as collateral | 0 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandElevenOneMember |  | 23.2 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandElevenOneMember |  |  |  |  |
Interest rate | 0.00%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandElevenOneMember |  | 3.01%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandElevenOneMember |  |  |  |  |
Term ABS 2012-1 [Member] |  |  |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |  |  |
Balance outstanding | 43.8 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveOneMember |  | 201.3 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveOneMember |  |  |  |  |
Loans pledged as collateral | 145.1 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveOneMember |  | 240.4 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveOneMember |  | 251.7 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveOneMember |  |  |
Restricted cash and cash equivalents pledged as collateral | 19.3 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveOneMember |  | 23.5 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveOneMember |  |  |  |  |
Interest rate | 3.04%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveOneMember |  | 2.38%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveOneMember |  |  |  |  |
Term ABS 2012-2 [Member] |  |  |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |  |  |
Balance outstanding | 184.0 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveTwoMember |  | 252.0 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveTwoMember |  |  |  |  |
Loans pledged as collateral | 278.6 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveTwoMember |  | 303.8 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveTwoMember |  |  | 315.1 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveTwoMember |  |
Restricted cash and cash equivalents pledged as collateral | 27.8 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveTwoMember |  | 27.7 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveTwoMember |  |  |  |  |
Interest rate | 1.67%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveTwoMember |  | 1.63%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveTwoMember |  |  |  |  |
Term ABS 2013-1 [Member] |  |  |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |  |  |
Balance outstanding | 140.3 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenOneMember |  | 140.3 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenOneMember |  |  |  |  |
Loans pledged as collateral | 186.7 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenOneMember |  | 184.3 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenOneMember |  |  |  | 187.8 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenOneMember |
Restricted cash and cash equivalents pledged as collateral | 16.7 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenOneMember |  | 15.3 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenOneMember |  |  |  |  |
Interest rate | 1.31%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenOneMember |  | 1.31%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenOneMember |  |  |  |  |
Term ABS 2013-2 [Member] |  |  |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |  |  |
Balance outstanding | 197.8 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenTwoMember |  | 197.8 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenTwoMember |  |  |  |  |
Loans pledged as collateral | 248.9 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenTwoMember |  | 250.5 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenTwoMember |  |  |  |  | 250.1 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenTwoMember
Restricted cash and cash equivalents pledged as collateral | 21.2 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenTwoMember |  | 18.7 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenTwoMember |  |  |  |  |
Interest rate | 1.67%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenTwoMember |  | 1.67%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenTwoMember |  |  |  |  |
Term ABS 2014-1 [Member] |  |  |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |  |  |
Balance outstanding | 299.0 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenOneMember |  | 0 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenOneMember |  |  |  |  |
Loans pledged as collateral | 426.2 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenOneMember |  | 0 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenOneMember |  |  |  |  |
Restricted cash and cash equivalents pledged as collateral | 31.6 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenOneMember |  | 0 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenOneMember |  |  |  |  |
Interest rate | 1.72%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenOneMember |  | 0.00%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenOneMember |  |  |  |  |
Term ABS 2014-2 [Member] |  |  |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |  |  |
Balance outstanding | 349.0 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenTwoMember |  | 0 us-gaap_LineOfCredit / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenTwoMember |  |  |  |  |
Loans pledged as collateral | 440.7 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenTwoMember |  | 0 us-gaap_LoansPledgedAsCollateral / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenTwoMember |  |  |  |  |
Restricted cash and cash equivalents pledged as collateral | 36.2 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenTwoMember |  | 0 us-gaap_RestrictedCashAndCashEquivalents / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenTwoMember |  |  |  |  |
Interest rate | 2.05%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenTwoMember |  | 0.00%us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenTwoMember |  |  |  |  |
2017 Senior Notes [Member] |  |  |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |  |  |
Balance outstanding | 0 us-gaap_SeniorLongTermNotes / us-gaap_DebtInstrumentAxis = cacc_TwoThousandSeventeenSeniorNotesMember |  | 350.2 us-gaap_SeniorLongTermNotes / us-gaap_DebtInstrumentAxis = cacc_TwoThousandSeventeenSeniorNotesMember | [3] |  |  |  |
Interest rate | 0.00%us-gaap_DebtInstrumentInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TwoThousandSeventeenSeniorNotesMember |  | 9.125%us-gaap_DebtInstrumentInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TwoThousandSeventeenSeniorNotesMember |  |  |  |  |
Unamortized debt premium net |  |  | 0.2 us-gaap_DebtInstrumentUnamortizedPremium / us-gaap_DebtInstrumentAxis = cacc_TwoThousandSeventeenSeniorNotesMember |  |  |  |  |
2021 Senior Notes [Member] |  |  |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |  |  |
Balance outstanding | $ 300.0 us-gaap_SeniorLongTermNotes / us-gaap_DebtInstrumentAxis = cacc_TwoThousandTwentyOneSeniorNotesMember |  | $ 0 us-gaap_SeniorLongTermNotes / us-gaap_DebtInstrumentAxis = cacc_TwoThousandTwentyOneSeniorNotesMember |  |  |  |  |
Interest rate | 6.125%us-gaap_DebtInstrumentInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TwoThousandTwentyOneSeniorNotesMember |  | 0.00%us-gaap_DebtInstrumentInterestRateAtPeriodEnd / us-gaap_DebtInstrumentAxis = cacc_TwoThousandTwentyOneSeniorNotesMember |  |  |  |  |
[1] | Availability may be limited by the amount of assets pledged as collateral.
[2] | In connection with the renewal of this warehouse facility in the third quarter of 2014, we formed a new wholly owned subsidiary, CAC Warehouse Funding LLC V, which replaced CAC Warehouse Funding III, LLC.
[3] | As of December 31, 2013 the outstanding balance presented for the 2017 Senior Notes includes a net unamortized debt premium of $0.2 million.

X
- Definition The effective interest rate at the end of the reporting period. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=6451184&loc=d3e28551-108399 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 22 -Article 5 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.22(a)(1)) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
Name: | us-gaap_DebtInstrumentInterestRateAtPeriodEnd
Namespace Prefix: | us-gaap_
Data Type: | num:percentItemType
Balance Type: | na
Period Type: | instant

X
- Details
Name: | us-gaap_DebtInstrumentLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The amount of debt premium that was originally recognized at the issuance of the instrument that has yet to be amortized. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 45 -Paragraph 1A -URI http://asc.fasb.org/extlink&oid=6451184&loc=d3e28541-108399 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 55 -Paragraph 8 -URI http://asc.fasb.org/extlink&oid=6584090&loc=d3e28878-108400 + Details
Name: | us-gaap_DebtInstrumentUnamortizedPremium
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition The carrying value as of the balance sheet date of the current and noncurrent portions of long-term obligations drawn from a line of credit, which is a bank's commitment to make loans up to a specific amount. Examples of items that might be included in the application of this element may consist of letters of credit, standby letters of credit, and revolving credit arrangements, under which borrowings can be made up to a maximum amount as of any point in time conditional on satisfaction of specified terms before, as of and after the date of drawdowns on the line. Includes short-term obligations that would normally be classified as current liabilities but for which (a) postbalance sheet date issuance of a long term obligation to refinance the short term obligation on a long term basis, or (b) the enterprise has entered into a financing agreement that clearly permits the enterprise to refinance the short-term obligation on a long term basis and the following conditions are met (1) the agreement does not expire within 1 year and is not cancelable by the lender except for violation of an objectively determinable provision, (2) no violation exists at the BS date, and (3) the lender has entered into the financing agreement is expected to be financially capable of honoring the agreement. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.16) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 19, 20, 22 -Article 5 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-03.16) -URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910 + Details
Name: | us-gaap_LineOfCredit
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition The effective interest rate at the end of the reporting period. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.19(b),22(b)) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 19, 22 -Article 5 + Details
Name: | us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd
Namespace Prefix: | us-gaap_
Data Type: | num:percentItemType
Balance Type: | na
Period Type: | instant

X
- Definition Amount of borrowing capacity currently available under the credit facility (current borrowing capacity less the amount of borrowings outstanding). + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.19(b),22(b)) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 19, 22 -Article 5 + Details
Name: | us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Carrying amount as of the balance sheet date of loans that have been pledged as collateral for borrowings. If the secured party has the right by contract or custom to sell or re-pledge the collateral, then the debtor reclassifies that asset and report that asset in its statement of financial position separately from other assets not so encumbered. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=28368275&loc=d3e5086-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 860 -SubTopic 30 -Section 45 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=6467456&loc=d3e113888-111728 + Details
Name: | us-gaap_LoansPledgedAsCollateral
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition The carrying amounts of cash and cash equivalent items which are restricted as to withdrawal or usage. Restrictions may include legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or entity statements of intention with regard to particular deposits; however, time deposits and short-term certificates of deposit are not generally included in legally restricted deposits. Excludes compensating balance arrangements that are not agreements which legally restrict the use of cash amounts shown on the balance sheet. This element is for unclassified presentations; for classified presentations there is a separate and distinct element. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 1 -Article 5 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.1) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
Name: | us-gaap_RestrictedCashAndCashEquivalents
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Carrying value as of the balance sheet date of Notes with the highest claim on the assets of the issuer in case of bankruptcy or liquidation (with maturities initially due after one year or beyond the operating cycle if longer), excluding current portion. Senior note holders are paid off in full before any payments are made to junior note holders. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 22 -Article 5 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.22) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
Name: | us-gaap_SeniorLongTermNotes
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Details
Name: | us-gaap_DebtInstrumentAxis=cacc_TermAssetBackedSecuredFinancingsTwoThousandElevenOneMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DebtInstrumentAxis=cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenOneMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DebtInstrumentAxis=cacc_TermAssetBackedSecuredFinancingsTwoThousandThirteenTwoMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DebtInstrumentAxis=cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveOneMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DebtInstrumentAxis=cacc_TermAssetBackedSecuredFinancingsTwoThousandTwelveTwoMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DebtInstrumentAxis=cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenOneMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DebtInstrumentAxis=cacc_TermAssetBackedSecuredFinancingTwoThousandFourteenTwoMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DebtInstrumentAxis=cacc_TwoThousandSeventeenSeniorNotesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DebtInstrumentAxis=cacc_TwoThousandTwentyOneSeniorNotesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DebtInstrumentAxis=cacc_WarehouseFacilityIiMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DebtInstrumentAxis=cacc_WarehouseFacilityIVMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DebtInstrumentAxis=cacc_WarehouseFacilityVMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DebtInstrumentAxis=us-gaap_LineOfCreditMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |