XML 70 R54.htm IDEA: XBRL DOCUMENT
v3.8.0.1

Loans Receivable (Summary Of Changes In Loans Receivable) (Details) - USD ($) $ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2017 | Dec. 31, 2016 | Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
Balance, beginning of period |  | $ 4,207.0 |  | $ 3,345.1 |  | $ 2,719.8 |
New Consumer Loan assignments | [1] | 2,873.1 |  | 2,635.5 |  | 2,167.0 |
Principal collected on Loans receivable |  | (2,189.5) |  | (1,955.8) |  | (1,739.6) |
Accelerated Dealer Holdback payments |  | (47.1) |  | (53.6) |  | (52.6) |
Dealer Holdback payments |  | 131.6 |  | 142.0 |  | 150.1 |
Transfers | [2] | 0.0 |  | 0.0 |  | 0.0 |
Write-offs |  | (22.1) |  | (14.8) |  | (6.6) |
Recoveries | [4] | 1.8 | [3] | 1.4 | [5] | 1.8 | [5]
Balance, end of period |  | 5,049.0 |  | 4,207.0 |  | 3,345.1 |
Dealer Loans [Member] |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
Balance, beginning of period |  | 3,209.0 |  | 2,823.4 |  | 2,389.8 |
New Consumer Loan assignments | [1] | 1,968.3 |  | 1,881.3 |  | 1,795.1 |
Principal collected on Loans receivable |  | (1,729.9) |  | (1,668.1) |  | (1,548.8) |
Accelerated Dealer Holdback payments |  | (47.1) |  | (53.6) |  | (52.6) |
Dealer Holdback payments |  | 131.6 |  | 142.0 |  | 150.1 |
Transfers | [2] | (93.1) |  | (10.1) |  | (10.6) |
Write-offs |  | (16.4) |  | (14.4) |  | (6.4) |
Recoveries | [4] | 1.5 | [3] | 1.3 | [3] | 1.6 | [5]
Balance, end of period |  | 3,518.1 |  | 3,209.0 |  | 2,823.4 |
Purchased Loans [Member] |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
Balance, beginning of period |  | 998.0 |  | 521.7 |  | 330.0 |
New Consumer Loan assignments | [1] | 904.8 |  | 754.2 |  | 371.9 |
Principal collected on Loans receivable |  | (459.6) |  | (287.7) |  | (190.8) |
Accelerated Dealer Holdback payments |  | 0.0 |  | 0.0 |  | 0.0 |
Dealer Holdback payments |  | 0.0 |  | 0.0 |  | 0.0 |
Transfers | [2] | 93.1 |  | 10.1 |  | 10.6 |
Write-offs |  | (5.7) |  | (0.4) |  | (0.2) |
Recoveries | [4] | 0.3 | [3] | 0.1 | [5] | 0.2 | [5]
Balance, end of period |  | $ 1,530.9 |  | $ 998.0 |  | $ 521.7 |
[1] | The Dealer Loans amount represents advances paid to Dealers on Consumer Loans assigned under our Portfolio Program. The Purchased Loans amount represents one-time payments made to Dealers to purchase Consumer Loans assigned under our Purchase Program.
[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 to Purchased Loans in the period this forfeiture occurs.
[3] | Represents collections received on previously written off Loans.
[4] | Represents collections received on previously written off Loans.
[5] | 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 to Purchased Loans in the period this forfeiture occurs. Beginning in the fourth quarter of 2017, we also transfer the related allowance for credit losses balance to Purchased Loans in the period this forfeiture occurs.

X
- Definition 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. + References No definition available. + Details
Name: | cacc_AcceleratedPaymentsOfDealerHoldback
Namespace Prefix: | cacc_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Loans and leases receivable transfers. + References No definition available. + Details
Name: | cacc_LoansAndLeasesReceivableTransfers
Namespace Prefix: | cacc_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition New consumer loan assignments + References No definition available. + Details
Name: | cacc_NewConsumerLoanAssignments
Namespace Prefix: | cacc_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition 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. + References No definition available. + Details
Name: | cacc_PaymentsOfDealerHoldback
Namespace Prefix: | cacc_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. + References No definition available. + Details
Name: | us-gaap_AccountsNotesAndLoansReceivableLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount of recovery of loans and lease receivables which had previously been fully or partially written-off as bad debts. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(4) -URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953423-111524 + Details
Name: | us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(3) -URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.7(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 + Details
Name: | us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=82891408&loc=d3e4428-111522 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5074-111524 + Details
Name: | us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition The cash inflow associated with the collection, including prepayments, of loans receivable issued for financing of goods and services. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 12 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=98514028&loc=d3e3179-108585 + Details
Name: | us-gaap_ProceedsFromCollectionOfLoansReceivable
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
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: |