CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Cash flows from operating activities:
Net income	$ 81,466	$ 288,859
Adjustments to reconcile net income to net cash provided by operating activities:
Derivative mark to market	(5,058)	(6,618)
Provision for credit losses	698,594	217,193
Depreciation and amortization	139,158	26,114
Accretion of discount and capitalized origination costs, net	(197,943)	(97,249)
Originations and purchases of receivables held for sale	(1,267,304)
Proceeds from sales of and repayments on receivables held for sale	1,187,745
Gain on sale of receivables	(35,814)
Stock-based compensation	121,222	231
Deferred tax benefit	(27,128)	(32,041)
Changes in assets and liabilities:
Accrued interest receivable	2,176	10,609
Accounts receivable	(22,193)	210
Federal income tax and other taxes	76,185	153,587
Other assets	(26,738)	(5,075)
Accrued interest payable	272	839
Other liabilities	126,702	69,051
Net cash provided by operating activities	851,342	625,710
Cash flows from investing activities:
Retail installment contracts originated or purchased from dealers	(4,239,359)	(2,541,431)
Collections on retail installment contracts	2,246,851	2,019,293
Proceeds from sale of loans held for investment	554,060
Leased vehicles purchased	(1,212,312)
Manufacturer incentives received	217,457
Proceeds from termination of leased vehicles	11,089
Change in revolving unsecured consumer loans	13,493
Unsecured consumer term loans purchased	(107,902)
Collections on unsecured consumer term loans	17,110
Disbursements for receivables from lenders held for investment	(14,288)	(83,080)
Collections on receivables from lenders held for investment	887
Collections on investments available for sale		17,872
Purchases of furniture and equipment	(7,443)	(2,956)
Sales of furniture and equipment	714	758
Change in restricted cash	(266,779)	(446,938)
Other investing activities	(4,391)	(1,859)
Net cash used in investing activities	(2,790,813)	(1,038,341)
Cash flows from financing activities:
Proceeds from notes payable related to secured structured financings — net of debt issuance costs	2,734,093	2,444,579
Payments on notes payable related to secured structured financings	(2,149,907)	(1,863,146)
Proceeds from unsecured notes payable	1,740,000	195,000
Payments on unsecured notes payable	(1,325,000)	(188,302)
Proceeds from notes payable	6,721,716	3,945,517
Payments on notes payable	(5,662,762)	(4,236,675)
Proceeds from stock option exercises, gross	13,071
Repurchase of stock - employee tax withholding	(5,908)
Repayment of employee notes		519
Capital contribution from shareholder		48,275
Cash collateral posted on derivatives	(23,528)
Net cash provided by financing activities	2,041,775	345,767
Net increase (decrease) in cash and cash equivalents	102,304	(66,864)
Cash — Beginning of period	10,531	70,887
Cash — End of period	$ 112,835	$ 4,023