Segments (Notes)

3 Months Ended

Mar. 31, 2014

Segment Reporting [Abstract]

Segment Reporting Disclosure [Text Block]

Segment Reporting

We offer substantially similar products and services throughout many different regions, subject to local regulations and market conditions. We evaluate our business in two operating segments: the North America Segment (consisting of operations in the U.S. and Canada) and the International Segment (consisting of operations in all other countries). Our chief operating decision maker evaluates the operating results and performance of our business based on these operating segments. The management of each segment is responsible for executing our strategies.

For segment reporting purposes only, interest expense related to the senior notes has been allocated based on targeted leverage for each segment. Interest expense in excess of the targeted overall leverage is reflected in the "Corporate" column below. In addition, the interest income on $1.7 billion in intercompany loans provided to the international operations is presented in the "Corporate" column below.

All inter-segment balances and transactions have been eliminated. Prior to our acquisition of the international operations, we evaluated our business in a single operating segment.

Key operating data for our operating segments were as follows (in millions):

	Three Months Ended March 31, 2014
	North America		International		Corporate			Eliminations			Total
Total revenue	$	636	$	461	$	16		$	(16	)	$	1,097
Operating expenses, including leased vehicle expenses	274		151		—			—			425
Provision for credit losses	103		32		—			—			135
Interest expense	92		214		25			(16		)	315
Income before income taxes	$	167	$	64	$	(9	)	$	—		$	222

	March 31, 2014						December 31, 2013
	North America		International		Total		North America		International		Total
Finance receivables, net	$	13,239	$	17,307	$	30,546	$	12,878	$	16,404	$	29,282
Total assets	$	20,157	$	19,752	$	39,909	$	19,094	$	18,896	$	37,990