Segments (Tables)

9 Months Ended

Sep. 30, 2014

Segment Reporting [Abstract]

Schedule of Segment Reporting Information, by Segment [Table Text Block]

All inter-segment balances and transactions have been eliminated. Key financial data for our operating segments were as follows (in millions):

	Three Months Ended September 30, 2014
	North America		International		Corporate		Eliminations			Total
Total revenue	$	759	$	502	$	14	$	(14	)	$	1,261
Operating expenses, including leased vehicle expenses	366		159		—		—			525
Provision for loan losses	119		41		—		—			160
Interest expense	124		244		14		(14		)	368
Income before income taxes	$	150	$	58	$	—	$	—		$	208

	Three Months Ended September 30, 2013
	North America		International		Corporate		Eliminations			Total
Total revenue	$	622	$	245	$	13	$	(13	)	$	867
Operating expenses, including leased vehicle expenses	246		90		—		—			336
Provision for loan losses	108		9		—		—			117
Interest expense	93		76		12		(13		)	168
Acquisition and integration expenses	—		7		—		—			7
Income before income taxes	$	175	$	63	$	1	$	—		$	239

	Nine Months Ended September 30, 2014
	North America		International		Corporate			Eliminations			Total
Total revenue	$	2,086	$	1,463	$	45		$	(45	)	$	3,549
Operating expenses, including leased vehicle expenses	950		459		—			—			1,409
Provision for loan losses	312		96		—			—			408
Interest expense	320		706		56			(45		)	1,037
Income before income taxes	$	504	$	202	$	(11	)	$	—		$	695

	Nine Months Ended September 30, 2013
	North America		International		Corporate		Eliminations			Total
Total revenue	$	1,750	$	493	$	28	$	(28	)	$	2,243
Operating expenses, including leased vehicle expenses	637		179		—		—			816
Provision for loan losses	283		28		—		—			311
Interest expense	266		157		19		(28		)	414
Acquisition and integration expenses	—		29		—		—			29
Income before income taxes	$	564	$	100	$	9	$	—		$	673

	September 30, 2014						December 31, 2013
	North America		International		Total		North America		International		Total
Finance receivables, net	$	14,575	$	17,147	$	31,722	$	12,878	$	16,404	$	29,282
Total assets	$	24,032	$	19,541	$	43,573	$	19,094	$	18,896	$	37,990