XML 50 R56.htm IDEA: XBRL DOCUMENT v2.4.1.9
Loans Receivable (Summary Of Changes In Accretable Yield) (Details) (USD $)
In Millions, unless otherwise specified
12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Balance, beginning of period $ 780.3cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield $ 718.1cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield $ 628.1cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield
New Consumer Loan assignments 671.0cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions [1] 615.2cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions [1] 586.5cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions [1]
Finance charge income (630.4)us-gaap_FinancialServicesRevenue (590.4)us-gaap_FinancialServicesRevenue (538.2)us-gaap_FinancialServicesRevenue
Forecast changes 35.8cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference 32.5cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference 35.6cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference
Transfers 5.0cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers [2] 4.9cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers [2] 6.1cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers [2]
Balance, end of period 861.7cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield 780.3cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield 718.1cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield
Dealer Loans [Member]      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Balance, beginning of period 667.5cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
602.9cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
508.0cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
New Consumer Loan assignments 593.8cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
[1] 564.9cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
[1] 538.7cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
[1]
Finance charge income (552.8)us-gaap_FinancialServicesRevenue
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
(517.7)us-gaap_FinancialServicesRevenue
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
(458.7)us-gaap_FinancialServicesRevenue
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
Forecast changes 23.1cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
24.9cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
25.6cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
Transfers (6.4)cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
[2] (7.5)cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
[2] (10.7)cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
[2]
Balance, end of period 725.2cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
667.5cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
602.9cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_DealerLoansMember
Purchased Loans [Member]      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Balance, beginning of period 112.8cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
115.2cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
120.1cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
New Consumer Loan assignments 77.2cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
[1] 50.3cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
[1] 47.8cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
[1]
Finance charge income (77.6)us-gaap_FinancialServicesRevenue
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
(72.7)us-gaap_FinancialServicesRevenue
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
(79.5)us-gaap_FinancialServicesRevenue
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
Forecast changes 12.7cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
7.6cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
10.0cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
Transfers 11.4cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
[2] 12.4cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
[2] 16.8cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
[2]
Balance, end of period $ 136.5cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
$ 112.8cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
$ 115.2cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield
/ us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis
= cacc_PurchasedLoansMember
[1] The Dealer Loans amount represents the net cash flows expected at the time of assignment on Consumer Loans assigned under our Portfolio Program, less the related advances paid to Dealers. The Purchased Loans amount represents the net cash flows expected at the time of assignment on Consumer Loans assigned under our Purchase Program, less the related one-time payments made to Dealers.
[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 and related expected future net cash flows to Purchased Loans in the period this forfeiture occurs.