XML 17 R46.htm IDEA: XBRL DOCUMENT
v3.2.0.727

Loans Receivable (Summary of Changes in Accretable Yield) (Details) - USD ($) $ in Millions | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2015 | Jun. 30, 2014 | Jun. 30, 2015 | Jun. 30, 2014
Certain Loans Acquired in Transfer Not Accounted for as Loans Accretable Yield Movement Schedule [Roll Forward] |  |  |  |  |
Balance, beginning of period |  | $ 957.5 | $ 826.4 | $ 861.7 | $ 780.3
New Consumer Loan assignments | [1] | 200.5 | 153.3 | 451.9 | 344.1
Finance charge income |  | (180.2) | (157.9) | (350.1) | (310.7)
Forecast changes |  | 14.6 | 11.1 | 27.8 | 17.8
Transfers | [2] | 1.1 | 1.2 | 2.2 | 2.6
Balance, end of period |  | 993.5 | 834.1 | 993.5 | 834.1
Dealer Loans [Member] |  |  |  |  |
Certain Loans Acquired in Transfer Not Accounted for as Loans Accretable Yield Movement Schedule [Roll Forward] |  |  |  |  |
Balance, beginning of period |  | 802.4 | 706.7 | 725.2 | 667.5
New Consumer Loan assignments | [1] | 170.1 | 136.7 | 386.7 | 307.5
Finance charge income |  | (155.4) | (138.6) | (302.4) | (273.1)
Forecast changes |  | 8.9 | 6.9 | 17.5 | 11.7
Transfers | [2] | (0.9) | (2.1) | (1.9) | (4.0)
Balance, end of period |  | 825.1 | 709.6 | 825.1 | 709.6
Purchased Loans [Member] |  |  |  |  |
Certain Loans Acquired in Transfer Not Accounted for as Loans Accretable Yield Movement Schedule [Roll Forward] |  |  |  |  |
Balance, beginning of period |  | 155.1 | 119.7 | 136.5 | 112.8
New Consumer Loan assignments | [1] | 30.4 | 16.6 | 65.2 | 36.6
Finance charge income |  | (24.8) | (19.3) | (47.7) | (37.6)
Forecast changes |  | 5.7 | 4.2 | 10.3 | 6.1
Transfers | [2] | 2.0 | 3.3 | 4.1 | 6.6
Balance, end of period |  | $ 168.4 | $ 124.5 | $ 168.4 | $ 124.5
[1] | The Dealer Loans amount represents the net cash flows expected at the time of assignment on Consumer Loans assigned under our Portfolio Program, less the related advances paid to Dealers. The Purchased Loans amount represents the net cash flows expected at the time of assignment on Consumer Loans assigned under our Purchase Program, less the related one-time payments made to Dealers.
[2] | Under our Portfolio Program, certain events may result in Dealers forfeiting their rights to Dealer Holdback. We transfer the Dealer’s outstanding Dealer Loan balance and related expected future net cash flows to Purchased Loans in the period this forfeiture occurs.

X
- Definition The aggregate excess of a loan's cash flows expected to be collected over the investor's initial investment in the loan for loans with evidence of deterioration of credit quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable. + References No definition available. + Details
Name: | cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield
Namespace Prefix: | cacc_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Increases in the aggregate excess of a loan's cash flows expected to be collected over the investor's initial investment in the loan due to the acquisition of similar loans during the period. This relates to loans with evidence of deterioration of credit quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable. + References No definition available. + Details
Name: | cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions
Namespace Prefix: | cacc_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Change in the estimate of cash flows expected to be collected, after acquisition of a loan, which results in an increase in accretable yield (for example, if actual cash flows are significantly greater than previously expected). This relates to loans with evidence of deterioration of credit quality since origination that was acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable. + References No definition available. + Details
Name: | cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference
Namespace Prefix: | cacc_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers + References No definition available. + Details
Name: | cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers
Namespace Prefix: | cacc_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
Name: | us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleRollForward
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The aggregate financial services revenue and operating interest income earned during the reporting period. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 225 -SubTopic 10 -Section S99 -Paragraph 2 -Subparagraph (SX 210.5-03.1(d)) -URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688 + Details
Name: | us-gaap_FinancialServicesRevenue
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Details
Name: | us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=cacc_DealerLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=cacc_PurchasedLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |