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    <link:label id="lab_cacc_LoansDomain_917A0BE7C2F4CC466FC27D024CF36D8B_label_en-US" xlink:label="lab_cacc_LoansDomain_917A0BE7C2F4CC466FC27D024CF36D8B" 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_917A0BE7C2F4CC466FC27D024CF36D8B_documentation_en-US" xlink:label="lab_cacc_LoansDomain_917A0BE7C2F4CC466FC27D024CF36D8B" 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-20170331.xsd#cacc_LoansDomain" xlink:label="loc_cacc_LoansDomain_917A0BE7C2F4CC466FC27D024CF36D8B" xlink:type="locator" />
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    <link:label id="lab_cacc_LoanPoolPerformanceMeetsOrExceedsInitialEstimatesMember_A63AEAAEB0EFE34846057D024CF336DF_label_en-US" xlink:label="lab_cacc_LoanPoolPerformanceMeetsOrExceedsInitialEstimatesMember_A63AEAAEB0EFE34846057D024CF336DF" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Pool Performance Meets Or Exceeds Initial Estimates [Member]</link:label>
    <link:label id="lab_cacc_LoanPoolPerformanceMeetsOrExceedsInitialEstimatesMember_A63AEAAEB0EFE34846057D024CF336DF_documentation_en-US" xlink:label="lab_cacc_LoanPoolPerformanceMeetsOrExceedsInitialEstimatesMember_A63AEAAEB0EFE34846057D024CF336DF" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan Pool Performance Meets Or Exceeds Initial Estimates [Member]</link:label>
    <link:loc xlink:href="cacc-20170331.xsd#cacc_LoanPoolPerformanceMeetsOrExceedsInitialEstimatesMember" xlink:label="loc_cacc_LoanPoolPerformanceMeetsOrExceedsInitialEstimatesMember_A63AEAAEB0EFE34846057D024CF336DF" xlink:type="locator" />
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    <link:label id="lab_cacc_LoanPoolPerformanceLessThanInitialEstimatesMember_3208F5F93732F126CC017D024CF3FC17_label_en-US" xlink:label="lab_cacc_LoanPoolPerformanceLessThanInitialEstimatesMember_3208F5F93732F126CC017D024CF3FC17" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Pool Performance Less Than Initial Estimates [Member]</link:label>
    <link:label id="lab_cacc_LoanPoolPerformanceLessThanInitialEstimatesMember_3208F5F93732F126CC017D024CF3FC17_documentation_en-US" xlink:label="lab_cacc_LoanPoolPerformanceLessThanInitialEstimatesMember_3208F5F93732F126CC017D024CF3FC17" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan Pool Performance Less Than Initial Estimates [Member]</link:label>
    <link:loc xlink:href="cacc-20170331.xsd#cacc_LoanPoolPerformanceLessThanInitialEstimatesMember" xlink:label="loc_cacc_LoanPoolPerformanceLessThanInitialEstimatesMember_3208F5F93732F126CC017D024CF3FC17" xlink:type="locator" />
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    <link:label id="lab_us-gaap_LoansAndLeasesReceivableAllowance_1281402C1DBDA42768B77D024CF331A9_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableAllowance_1281402C1DBDA42768B77D024CF331A9" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Allowance for credit losses</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="loc_us-gaap_LoansAndLeasesReceivableAllowance_1281402C1DBDA42768B77D024CF331A9" xlink:type="locator" />
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    <link:label id="lab_cacc_LoansandLeasesReceivableNetRollForward_B62BB9DE8C3DDEDB234487CB28D7C4E7_terseLabel_en-US" xlink:label="lab_cacc_LoansandLeasesReceivableNetRollForward_B62BB9DE8C3DDEDB234487CB28D7C4E7" 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_B62BB9DE8C3DDEDB234487CB28D7C4E7_documentation_en-US" xlink:label="lab_cacc_LoansandLeasesReceivableNetRollForward_B62BB9DE8C3DDEDB234487CB28D7C4E7" 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>
    <link:loc xlink:href="cacc-20170331.xsd#cacc_LoansandLeasesReceivableNetRollForward" xlink:label="loc_cacc_LoansandLeasesReceivableNetRollForward_B62BB9DE8C3DDEDB234487CB28D7C4E7" xlink:type="locator" />
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    <link:label id="lab_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_3B9BFABCE9B9DFFB524187CB28D74260_periodStartLabel_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_3B9BFABCE9B9DFFB524187CB28D74260" 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_0F03D9CE7B777E9421E987CB28D73477_terseLabel_en-US" xlink:label="lab_cacc_NewConsumerLoanAssignments_0F03D9CE7B777E9421E987CB28D73477" 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_F5043ABB9DCF6394A92487CB28D72B35_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromCollectionOfLoansReceivable_F5043ABB9DCF6394A92487CB28D72B35" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Principal collected on Loans receivable</link:label>
    <link:label id="lab_us-gaap_ProceedsFromCollectionOfLoansReceivable_F5043ABB9DCF6394A92487CB28D72B35_label_en-US" xlink:label="lab_us-gaap_ProceedsFromCollectionOfLoansReceivable_F5043ABB9DCF6394A92487CB28D72B35" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Collection of Loans Receivable</link:label>
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    <link:label id="lab_cacc_AcceleratedPaymentsOfDealerHoldback_738AE744CF9047E1D01E87CB28D7B880_negatedTerseLabel_en-US" xlink:label="lab_cacc_AcceleratedPaymentsOfDealerHoldback_738AE744CF9047E1D01E87CB28D7B880" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Accelerated Dealer Holdback payments</link:label>
    <link:label id="lab_cacc_AcceleratedPaymentsOfDealerHoldback_738AE744CF9047E1D01E87CB28D7B880_label_en-US" xlink:label="lab_cacc_AcceleratedPaymentsOfDealerHoldback_738AE744CF9047E1D01E87CB28D7B880" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accelerated Payments of Dealer Holdback</link:label>
    <link:label id="lab_cacc_AcceleratedPaymentsOfDealerHoldback_738AE744CF9047E1D01E87CB28D7B880_documentation_en-US" xlink:label="lab_cacc_AcceleratedPaymentsOfDealerHoldback_738AE744CF9047E1D01E87CB28D7B880" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The cash outflow for payments made to dealers under our Portfolio Program at the time a pool of 100 or more consumer loans is closed by dealers with a single open pool or at the time 100 consumer loans have been collectively assigned by dealers with multiple open pools.</link:label>
    <link:loc xlink:href="cacc-20170331.xsd#cacc_AcceleratedPaymentsOfDealerHoldback" xlink:label="loc_cacc_AcceleratedPaymentsOfDealerHoldback_738AE744CF9047E1D01E87CB28D7B880" xlink:type="locator" />
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    <link:label id="lab_cacc_PaymentsOfDealerHoldback_81747985C703D0460E5087CB28D73CCA_terseLabel_en-US" xlink:label="lab_cacc_PaymentsOfDealerHoldback_81747985C703D0460E5087CB28D73CCA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dealer Holdback payments</link:label>
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    <link:label id="lab_cacc_PaymentsOfDealerHoldback_81747985C703D0460E5087CB28D73CCA_documentation_en-US" xlink:label="lab_cacc_PaymentsOfDealerHoldback_81747985C703D0460E5087CB28D73CCA" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The cash outflow for payments made to dealers under our Portfolio Program from the portion of the collections on the underlying consumer loans that exceed amounts retained by us to recover the advance balance, certain collection costs, and our servicing fee.</link:label>
    <link:loc xlink:href="cacc-20170331.xsd#cacc_PaymentsOfDealerHoldback" xlink:label="loc_cacc_PaymentsOfDealerHoldback_81747985C703D0460E5087CB28D73CCA" xlink:type="locator" />
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    <link:label id="lab_cacc_LoansAndLeasesReceivableTransfers_ED08D965A2CF8C3913C387CB28D7E6A3_terseLabel_en-US" xlink:label="lab_cacc_LoansAndLeasesReceivableTransfers_ED08D965A2CF8C3913C387CB28D7E6A3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers</link:label>
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    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_9CD59B9E8AFC6FC30D8386B8EC933224" xlink:to="lab_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_9CD59B9E8AFC6FC30D8386B8EC933224" xlink:type="arc" />
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    <link:label id="lab_cacc_AdvancesToDealers_0823F76AA0494F9703A986B8EC980247_label_en-US" xlink:label="lab_cacc_AdvancesToDealers_0823F76AA0494F9703A986B8EC980247" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Advances To Dealers</link:label>
    <link:label id="lab_cacc_AdvancesToDealers_0823F76AA0494F9703A986B8EC980247_documentation_en-US" xlink:label="lab_cacc_AdvancesToDealers_0823F76AA0494F9703A986B8EC980247" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The cash outflow for non-recourse payments made to dealers under a portfolio program in exchange for the right to service the underlying consumer loans.</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PaymentsToAcquireLoansReceivable" xlink:label="loc_us-gaap_PaymentsToAcquireLoansReceivable_E0A6B228090659A6BA7C86B8EC986A18" xlink:type="locator" />
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    <link:label id="lab_us-gaap_PrimeRateMember_FD87664D53BD5D6C4DEE87CB28A54F3C_terseLabel_en-US" xlink:label="lab_us-gaap_PrimeRateMember_FD87664D53BD5D6C4DEE87CB28A54F3C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Prime Rate [Member]</link:label>
    <link:label id="lab_us-gaap_PrimeRateMember_FD87664D53BD5D6C4DEE87CB28A54F3C_label_en-US" xlink:label="lab_us-gaap_PrimeRateMember_FD87664D53BD5D6C4DEE87CB28A54F3C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Prime Rate [Member]</link:label>
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    <link:label id="lab_cacc_WarehouseFacilitiesMember_A1CB12785ECBB8F3EC5087CB28A5E0A8_terseLabel_en-US" xlink:label="lab_cacc_WarehouseFacilitiesMember_A1CB12785ECBB8F3EC5087CB28A5E0A8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Warehouse Facilities [Member]</link:label>
    <link:label id="lab_cacc_WarehouseFacilitiesMember_A1CB12785ECBB8F3EC5087CB28A5E0A8_label_en-US" xlink:label="lab_cacc_WarehouseFacilitiesMember_A1CB12785ECBB8F3EC5087CB28A5E0A8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Warehouse Facilities [Member]</link:label>
    <link:label id="lab_cacc_WarehouseFacilitiesMember_A1CB12785ECBB8F3EC5087CB28A5E0A8_documentation_en-US" xlink:label="lab_cacc_WarehouseFacilitiesMember_A1CB12785ECBB8F3EC5087CB28A5E0A8" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Warehouse facilities member.</link:label>
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    <link:label id="lab_cacc_TwoThousandSeventeenSeniorNotesMember_15BD05351DFCC0600A9F87CB28AF9CBD_terseLabel_en-US" xlink:label="lab_cacc_TwoThousandSeventeenSeniorNotesMember_15BD05351DFCC0600A9F87CB28AF9CBD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2017 Senior Notes [Member]</link:label>
    <link:label id="lab_cacc_TwoThousandSeventeenSeniorNotesMember_15BD05351DFCC0600A9F87CB28AF9CBD_label_en-US" xlink:label="lab_cacc_TwoThousandSeventeenSeniorNotesMember_15BD05351DFCC0600A9F87CB28AF9CBD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Two Thousand Seventeen Senior Notes [Member]</link:label>
    <link:label id="lab_cacc_TwoThousandSeventeenSeniorNotesMember_15BD05351DFCC0600A9F87CB28AF9CBD_documentation_en-US" xlink:label="lab_cacc_TwoThousandSeventeenSeniorNotesMember_15BD05351DFCC0600A9F87CB28AF9CBD" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Two Thousand Seventeen Senior Notes [Member]</link:label>
    <link:loc xlink:href="cacc-20170331.xsd#cacc_TwoThousandSeventeenSeniorNotesMember" xlink:label="loc_cacc_TwoThousandSeventeenSeniorNotesMember_15BD05351DFCC0600A9F87CB28AF9CBD" xlink:type="locator" />
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    <link:label id="lab_cacc_TwoThousandTwentyOneSeniorNotesMember_DA28E79397010E414A3687CB28AF6181_terseLabel_en-US" xlink:label="lab_cacc_TwoThousandTwentyOneSeniorNotesMember_DA28E79397010E414A3687CB28AF6181" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2021 Senior Notes [Member]</link:label>
    <link:label id="lab_cacc_TwoThousandTwentyOneSeniorNotesMember_DA28E79397010E414A3687CB28AF6181_label_en-US" xlink:label="lab_cacc_TwoThousandTwentyOneSeniorNotesMember_DA28E79397010E414A3687CB28AF6181" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Two Thousand Twenty One Senior Notes [Member]</link:label>
    <link:label id="lab_cacc_TwoThousandTwentyOneSeniorNotesMember_DA28E79397010E414A3687CB28AF6181_documentation_en-US" xlink:label="lab_cacc_TwoThousandTwentyOneSeniorNotesMember_DA28E79397010E414A3687CB28AF6181" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Two Thousand Twenty One Senior Notes [Member]</link:label>
    <link:loc xlink:href="cacc-20170331.xsd#cacc_TwoThousandTwentyOneSeniorNotesMember" xlink:label="loc_cacc_TwoThousandTwentyOneSeniorNotesMember_DA28E79397010E414A3687CB28AF6181" xlink:type="locator" />
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    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_BE04A08CB3441CF523BE87CB28AF3764_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_BE04A08CB3441CF523BE87CB28AF3764" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of credit facility</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_BE04A08CB3441CF523BE87CB28AF3764_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_BE04A08CB3441CF523BE87CB28AF3764" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Maximum Borrowing Capacity</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_BE04A08CB3441CF523BE87CB28AF3764" xlink:type="locator" />
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    <link:label id="lab_cacc_PercentageOfNetBookValueOfLoans_ABCEE674E3DC02AC852087CB28AFF37D_terseLabel_en-US" xlink:label="lab_cacc_PercentageOfNetBookValueOfLoans_ABCEE674E3DC02AC852087CB28AFF37D" 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_ABCEE674E3DC02AC852087CB28AFF37D_label_en-US" xlink:label="lab_cacc_PercentageOfNetBookValueOfLoans_ABCEE674E3DC02AC852087CB28AFF37D" 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_ABCEE674E3DC02AC852087CB28AFF37D_documentation_en-US" xlink:label="lab_cacc_PercentageOfNetBookValueOfLoans_ABCEE674E3DC02AC852087CB28AFF37D" 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-20170331.xsd#cacc_PercentageOfNetBookValueOfLoans" xlink:label="loc_cacc_PercentageOfNetBookValueOfLoans_ABCEE674E3DC02AC852087CB28AFF37D" xlink:type="locator" />
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    <link:label id="lab_cacc_MaximumHedgingReserve_950E8A0BFC3643EB700287CB28AF7B3C_terseLabel_en-US" xlink:label="lab_cacc_MaximumHedgingReserve_950E8A0BFC3643EB700287CB28AF7B3C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum hedging reserve</link:label>
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    <link:label id="lab_cacc_MaximumHedgingReserve_950E8A0BFC3643EB700287CB28AF7B3C_documentation_en-US" xlink:label="lab_cacc_MaximumHedgingReserve_950E8A0BFC3643EB700287CB28AF7B3C" 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-20170331.xsd#cacc_MaximumHedgingReserve" xlink:label="loc_cacc_MaximumHedgingReserve_950E8A0BFC3643EB700287CB28AF7B3C" xlink:type="locator" />
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    <link:label id="lab_cacc_NumberWarehouseFacilities_46F3A111A3EF3147F13D87CB28AF3326_terseLabel_en-US" xlink:label="lab_cacc_NumberWarehouseFacilities_46F3A111A3EF3147F13D87CB28AF3326" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of warehouse facilities</link:label>
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    <link:loc xlink:href="cacc-20170331.xsd#cacc_NumberWarehouseFacilities" xlink:label="loc_cacc_NumberWarehouseFacilities_46F3A111A3EF3147F13D87CB28AF3326" xlink:type="locator" />
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    <link:label id="lab_us-gaap_DebtInstrumentIssuer_BF3D15412F0AE6759C3787CB28AFDC81_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentIssuer_BF3D15412F0AE6759C3787CB28AFDC81" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Wholly-owned Subsidiary</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentIssuer_BF3D15412F0AE6759C3787CB28AFDC81_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentIssuer_BF3D15412F0AE6759C3787CB28AFDC81" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Issuer</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DebtInstrumentIssuer" xlink:label="loc_us-gaap_DebtInstrumentIssuer_BF3D15412F0AE6759C3787CB28AFDC81" xlink:type="locator" />
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    <link:label id="lab_cacc_PercentageOfCollectionsOnContributedLoans_CD13EB0DA3985A16907A87CB28AFD3E1_terseLabel_en-US" xlink:label="lab_cacc_PercentageOfCollectionsOnContributedLoans_CD13EB0DA3985A16907A87CB28AFD3E1" 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_CD13EB0DA3985A16907A87CB28AFD3E1_label_en-US" xlink:label="lab_cacc_PercentageOfCollectionsOnContributedLoans_CD13EB0DA3985A16907A87CB28AFD3E1" 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_CD13EB0DA3985A16907A87CB28AFD3E1_documentation_en-US" xlink:label="lab_cacc_PercentageOfCollectionsOnContributedLoans_CD13EB0DA3985A16907A87CB28AFD3E1" 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-20170331.xsd#cacc_PercentageOfCollectionsOnContributedLoans" xlink:label="loc_cacc_PercentageOfCollectionsOnContributedLoans_CD13EB0DA3985A16907A87CB28AFD3E1" xlink:type="locator" />
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    <link:label id="lab_cacc_MonthlyServicingFeePerFinancing_D6FAD40BB278A238D65187CB28AF3740_terseLabel_en-US" xlink:label="lab_cacc_MonthlyServicingFeePerFinancing_D6FAD40BB278A238D65187CB28AF3740" 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_D6FAD40BB278A238D65187CB28AF3740_label_en-US" xlink:label="lab_cacc_MonthlyServicingFeePerFinancing_D6FAD40BB278A238D65187CB28AF3740" 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_D6FAD40BB278A238D65187CB28AF3740_documentation_en-US" xlink:label="lab_cacc_MonthlyServicingFeePerFinancing_D6FAD40BB278A238D65187CB28AF3740" 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-20170331.xsd#cacc_MonthlyServicingFeePerFinancing" xlink:label="loc_cacc_MonthlyServicingFeePerFinancing_D6FAD40BB278A238D65187CB28AF3740" xlink:type="locator" />
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    <link:label id="lab_cacc_Debtfinancingclosedate_FFE20203CE9417EFAEDF87CB28AFD46C_terseLabel_en-US" xlink:label="lab_cacc_Debtfinancingclosedate_FFE20203CE9417EFAEDF87CB28AFD46C" 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-20170331.xsd#cacc_Debtfinancingclosedate" xlink:label="loc_cacc_Debtfinancingclosedate_FFE20203CE9417EFAEDF87CB28AFD46C" xlink:type="locator" />
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    <link:label id="lab_us-gaap_DebtInstrumentIssuanceDate1_3EC17906F2E54C59911B87CB28AFE592_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentIssuanceDate1_3EC17906F2E54C59911B87CB28AFE592" 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_3EC17906F2E54C59911B87CB28AFE592_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentIssuanceDate1_3EC17906F2E54C59911B87CB28AFE592" 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/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DebtInstrumentIssuanceDate1" xlink:label="loc_us-gaap_DebtInstrumentIssuanceDate1_3EC17906F2E54C59911B87CB28AFE592" xlink:type="locator" />
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    <link:label id="lab_us-gaap_DebtInstrumentInterestRateEffectivePercentage_25C5CCC592AA71FD36ED87CB28AF2D67_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateEffectivePercentage_25C5CCC592AA71FD36ED87CB28AF2D67" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior notes yield to maturity</link:label>
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    <link:label id="lab_cacc_DebtInstrumentCovenantNetIncomeForPastTwoQuarters_9CCFFE0209D8EACE279487CB28AF9679_terseLabel_en-US" xlink:label="lab_cacc_DebtInstrumentCovenantNetIncomeForPastTwoQuarters_9CCFFE0209D8EACE279487CB28AF9679" 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:label id="lab_us-gaap_DebtInstrumentUnamortizedDiscount_5CD856BC3AE98B011FC787CB28AF2A60_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentUnamortizedDiscount_5CD856BC3AE98B011FC787CB28AF2A60" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unamortized debt discount</link:label>
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_EAEAAFA4F6D87FF673317D024CE4C17A_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_EAEAAFA4F6D87FF673317D024CE4C17A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Within one year, cost</link:label>
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    <link:label id="lab_cacc_PurchaseProgramMember_9B671180B9927E74FD1887C304C0832D_terseLabel_en-US" xlink:label="lab_cacc_PurchaseProgramMember_9B671180B9927E74FD1887C304C0832D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchase Program [Member]</link:label>
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    <link:label id="lab_us-gaap_AffiliatedEntityMember_3F3334AC84A2C7152D7F7D024BE98E36_terseLabel_en-US" xlink:label="lab_us-gaap_AffiliatedEntityMember_3F3334AC84A2C7152D7F7D024BE98E36" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Affiliated Dealer Activity [Member]</link:label>
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    <link:label id="lab_us-gaap_RelatedPartyTransactionLineItems_931FAA2D0CDAF2DA627C7D024BE9203A_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionLineItems_931FAA2D0CDAF2DA627C7D024BE9203A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Line Items]</link:label>
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    <link:label id="lab_us-gaap_DueFromAffiliates_8199224F98CB198920F17D024BE973EA_terseLabel_en-US" xlink:label="lab_us-gaap_DueFromAffiliates_8199224F98CB198920F17D024BE973EA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Affiliated Dealer Loan balances</link:label>
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