Business Segment And Other Information

12 Months Ended

Dec. 31, 2012

Business Segment And Other Information [Abstract]

Business Segment And Other Information

16. BUSINESS SEGMENT AND OTHER INFORMATION

Business Segment Overview

We identify operating segments as components of our business for which separate financial information is regularly evaluated by the chief operating decision-maker (“CODM”) in making decisions regarding resource allocation and assessing performance.  We periodically review and redefine our segment reporting as internal management reporting practices evolve and the components of our business change.Currently, the CODM reviews consolidated financial statements and metrics to allocate resources and assess performance.  Thus, we have determined that we operate in one reportable operating segment.The consolidated financial statements reflect the financial results of our one reportable operating segment.  

Geographic Information

For the three years ended December 31, 2012,  2011 and 2010, substantially all of our revenues were derived from the United States.  As of December 31, 2012 and 2011, all of our long-lived assets were located in the United States.

Products and Services Information

Our primary product consists of offering automobile dealers financing programs that enable them to sell vehicles to consumers, regardless of their credit history, through our network of Dealers within the United States.  We also provide Dealers the ability to offer vehicle service contracts and a GAP product to consumers on vehicles financed by us.

Major Customer Information

We did not have any Dealers that provided 10% or more of our revenue during 2012, 2011 or 2010.  Additionally, no single Dealer’s Loans receivable balance accounted for more than 10% of total Loans receivable as of December 31, 2012 or 2011.