EXHIBIT 99.1

1. WHAT IS THE FUTURE OF CACC AS A PUBLIC COMPANY? DOES THE COMPANY INTEND TO
STAY PUBLIC, OR IS THE COMPANY EXPLORING THE OPTION OF GOING PRIVATE? MANAGEMENT
OWNS A SIGNIFICANT PORTION OF THIS HIGHLY ILLIQUID STOCK AND THE BUYBACKS, WHILE
ADMIRABLE, WILL MOST LIKELY EXACERBATE THIS ISSUE.

We intend to continue to repurchase shares when we have excess capital and the
share price is attractive. We believe it is unlikely this strategy, given the
number of unrestricted shares outstanding and the capital needs of our business,
will result in us repurchasing all the publicly owned shares.

Our goal is to create the most valuable business possible, in per share terms.
We believe our historical share repurchases have been beneficial in this regard.
Creating liquidity in our shares has never been and is not likely to be a
priority for us.

2. REGARDING HURRICANE CHARLEY, CAN YOU GIVE US AN IDEA OF THE LEVEL OF YOUR
BUSINESS IN FLORIDA (LOAN ORIGINATIONS AND DEALERS RELATIVE TO YOUR OVERALL
BUSINESS)?

Approximately 2% of our business is originated in Florida.

3. I AM WORKING ON A REPORT ON THE SUB PRIME AUTO FINANCE INDUSTRY. CAN YOU
PROVIDE ME WITH YOUR MOST RECENT DELINQUENCY RATES FOR 30-60 DAYS AND 60+? I
CAN'T SEEM TO FIND THIS METRIC IN YOUR REPORTS.

We have not found portfolio delinquency rates to be useful in running our
business, primarily because portfolio delinquency rates are influenced to a
significant degree by the rate of growth in loan originations. Since we do not
find the metrics you requested useful, we do not believe adding these metrics to
our disclosures is appropriate at this time.

Investors monitoring our credit quality are provided with actual and forecasted
collection rates by year of origination. In addition, in the most recent quarter
we began disclosing discounted and undiscounted cash flows expected from our
loan portfolio. We believe the information provided is more useful than
traditional delinquency measures.




CAUTIONARY STATEMENT REGARDING FORWARD LOOKING INFORMATION

Certain statements in this document that are not historical facts, such as those
using terms like "believes," "expects," "anticipates," "assumptions,"
"forecasts," "estimates" and those regarding the Company's future plans and
objectives, are "forward-looking statements" within the meaning of the federal
securities laws. These forward-looking statements represent the Company's
outlook only as of the date of this document. While the Company believes that
its forward-looking statements are reasonable, actual results could differ
materially since the statements are based on current expectations, which are





subject to risks and uncertainties. Factors that might cause such a
difference include the following:

         o        the Company's potential inability to accurately forecast and
                  estimate the amount and timing of future collections,

         o        increased competition from traditional financing sources and
                  from non-traditional lenders,

         o        the unavailability of funding at competitive rates of
                  interest,

         o        the Company's potential inability to continue to obtain third
                  party financing on favorable terms,

         o        the Company's potential inability to generate sufficient cash
                  flow to service its debt and fund its future operations,

         o        adverse changes in applicable laws and regulations,

         o        adverse changes in economic conditions,

         o        adverse changes in the automobile or finance industries or in
                  the non-prime consumer finance market,

         o        the Company's potential inability to maintain or increase the
                  volume of automobile loans,

         o        an increase in the amount or severity of litigation against
                  the Company,

         o        the loss of key management personnel,

         o        the effect of terrorist attacks and potential attacks, and

         o        various other factors discussed in the Company's reports filed
                  with the Securities and Exchange Commission.

Other factors not currently anticipated by management may also materially and
adversely affect the Company's results of operations. The Company does not
undertake, and expressly disclaims any obligation, to update or alter its
statements whether as a result of new information, future events or otherwise,
except as required by applicable law.