Receivables [Abstract]
Schedule of Accounts, Notes, Loans and Financing Receivable [Table]
Schedule of Accounts, Notes, Loans and Financing Receivable [Table]
Receivable Type [Axis]
Receivable Type [Axis]
Receivable Type [Domain]
Receivable [Domain]
Dealer Loans [Member]
Dealer Loans [Member]
Dealer Loans [Member]
Purchased Loans [Member]
Purchased Loans [Member]
Purchased Loans [Member]
Loans [Axis]
Loans [Axis]
Loans [Axis]
Loans [Domain]
Loans [Domain]
Loans [Domain]
Loan Pool Performance Meets Or Exceeds Initial Estimates [Member]
Loan Pool Performance Meets Or Exceeds Initial Estimates [Member]
Loan Pool Performance Meets Or Exceeds Initial Estimates [Member]
Loan Pool Performance Less Than Initial Estimates [Member]
Loan Pool Performance Less Than Initial Estimates [Member]
Loan Pool Performance Less Than Initial Estimates [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable
Loans and Leases Receivable, Net of Deferred Income
Allowance for credit losses
Loans and Leases Receivable, Allowance
Loans receivable, net
Loans and Leases Receivable, Net Amount
Supplemental Schedule of Reinsurance Premiums for Insurance Companies [Abstract]
Schedule of Trust Assets and Reinsurance Liabilities [Table]
Summary Of Significant Accounting Policies [Table]
Summary Of Significant Accounting Policies [Table]
Trust Assets And Reinsurance Liabilities [Axis]
Trust Assets And Reinsurance Liabilities [Axis]
Trust Assets And Reinsurance Liabilities Axis
Trust Assets And Reinsurance Liabilities[Domain]
Trust Assets And Reinsurance Liabilities [Domain]
Trust Assets And Reinsurance Liabilities Domain
Trust Assets [Member]
Trust Assets [Member]
Trust Assets Member
Unearned Premium [Member]
Unearned Premium [Member]
Unearned Premium Member
Claims Reserve [Member]
Claims Reserve [Member]
Claims Reserve Member
Summary Of Significant Accounting Policies [Line Items]
Summary Of Significant Accounting Policies [Line Items]
Summary Of Significant Accounting Policies [Line Items]
Restricted cash and cash equivalents
Restricted Cash and Cash Equivalents
Restricted securities available for sale
Available-for-sale Securities, Restricted
Accounts payable and accrued liabilities
Accounts Payable and Accrued Liabilities
Loans Receivable
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]
Investments, Debt and Equity Securities [Abstract]
Schedule of Restricted Securities Available for Sale
Schedule of Available-for-sale Securities Reconciliation [Table Text Block]
Schedule of Restricted Securities Available for Sale by Aging Category
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Table Text Block]
Schedule of Cost and Estimated Fair Values of Debt Securities by Contractual Maturity
Investments Classified by Contractual Maturity Date [Table Text Block]
Schedule of Restricted Cash and Cash Equivalents [Table]
Schedule of Restricted Cash and Cash Equivalents [Table]
Restricted Cash and Cash Equivalents [Axis]
Restricted Cash and Cash Equivalents [Axis]
Cash and Cash Equivalents [Domain]
Cash and Cash Equivalents [Domain]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted Cash and Cash Equivalents Items [Line Items]
Within one year, cost
Available-for-sale Securities, Debt Maturities, Next Twelve Months, Amortized Cost Basis
Within one year, fair value
Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value
Over one year to five years, cost
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Amortized Cost Basis
Over one year to five years, fair value
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value
Over five years to ten years, cost
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Amortized Cost Basis
Over five years to ten years, fair value
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value
Over ten years, cost
Available-for-sale Securities, Debt Maturities, after Ten Years, Amortized Cost Basis
Over ten years, fair value
Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value
Total restricted securities available for sale, cost
Available-for-sale Debt Securities, Amortized Cost Basis
Total restricted securities available for sale
Description Of Business [Abstract]
Description Of Business [Abstract]
Description of Business
Nature of Operations [Text Block]
Restricted Securities Available for Sale
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]
Fair Value Disclosures [Abstract]
Fair Value, by Balance Sheet Grouping [Table]
Fair Value, by Balance Sheet Grouping [Table]
Measurement Basis [Axis]
Measurement Basis [Axis]
Fair Value Measurements [Domain]
Fair Value Measurement [Domain]
Portion at Fair Value Measurement [Member]
Portion at Fair Value Measurement [Member]
Carrying Amount [Member]
Reported Value Measurement [Member]
Estimated Fair Value [Member]
Estimate of Fair Value Measurement [Member]
Long-term Debt, Type [Axis]
Long-term Debt, Type [Axis]
Long-term Debt, Type [Domain]
Long-term Debt, Type [Domain]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets
Assets, Fair Value Disclosure [Abstract]
Cash and cash equivalents
Cash and Cash Equivalents, Fair Value Disclosure
Restricted cash and cash equivalents
Restricted Cash And Cash Equivalents, Fair Value Disclosure
Restricted Cash And Cash Equivalents, Fair Value Disclosure
Loans receivable, net
Loans Receivable, Fair Value Disclosure
Liabilities
Liabilities, Fair Value Disclosure [Abstract]
Revolving secured line of credit
Lines of Credit, Fair Value Disclosure
Secured financing
Secured Financing Fair Value Disclosure
Secured Financing Fair Value Disclosure
Senior notes
Notes Payable, Fair Value Disclosure
Share-based Compensation [Abstract]
Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]
Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]
Award Type [Axis]
Award Type [Axis]
Equity Award [Domain]
Equity Award [Domain]
Restricted Stock [Member]
Restricted Stock [Member]
Restricted Stock Units [Member]
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation expense
Share-based Compensation
Insurance [Abstract]
Net assumed written premiums
Assumed Premiums Written
Net premiums earned
Premiums Earned, Net
Provision for claims
Policyholder Benefits and Claims Incurred, Net
Amortization of capitalized acquisition costs
Amortization of Acquisition Costs
Schedule of Stock Based Compensation Expense
Schedule of Compensation Cost for Share-based Payment Arrangements, Allocation of Share-based Compensation Costs by Plan [Table Text Block]
Statement of Comprehensive Income [Abstract]
Net income
Net Income (Loss) Attributable to Parent
Other comprehensive income, net of tax:
Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax [Abstract]
Unrealized gain (loss) on securities, net of tax
Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Net of Tax
Other comprehensive income
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent
Comprehensive income
Comprehensive Income (Loss), Net of Tax, Attributable to Parent
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]
Allowance for credit losses
US Government and Agency Securities [Member]
US Government Corporations and Agencies Securities [Member]
Corporate Bond Securities [Member]
Corporate Bond Securities [Member]
Asset-backed Securities [Member]
Asset-backed Securities [Member]
Mortgage-backed Securities [Member]
Collateralized Mortgage Backed Securities [Member]
Available-for-sale Securities, Amortized Cost Basis
Available-for-sale Securities, Amortized Cost Basis
Gross Unrealized Gains
Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax
Gross Unrealized Losses
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax
Estimated Fair Value
Statement of Cash Flows [Abstract]
Cash Flows From Operating Activities:
Net Cash Provided by (Used in) Operating Activities [Abstract]
Adjustments to reconcile cash provided by operating activities:
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
Provision for credit losses
Provision for Loan and Lease Losses
Depreciation
Depreciation
Amortization
Amortization of Debt Issuance Costs and Discounts
Loss on retirement of property and equipment
Gain (Loss) on Disposition of Property Plant Equipment
Provision for deferred income taxes
Deferred Income Tax Expense (Benefit)
Stock-based compensation
Change in operating assets and liabilities:
Increase (Decrease) in Operating Capital [Abstract]
Increase (decrease) in accounts payable and accrued liabilities
Increase (Decrease) in Accounts Payable and Accrued Liabilities
Increase in income taxes receivable
Increase (Decrease) in Income Taxes Receivable
Decrease in income taxes payable
Increase (Decrease) in Income Taxes Payable
Increase in other assets
Increase (Decrease) in Other Operating Assets
Net cash provided by operating activities
Net Cash Provided by (Used in) Operating Activities
Cash Flows From Investing Activities:
Net Cash Provided by (Used in) Investing Activities [Abstract]
Increase in restricted cash and cash equivalents
Increase (Decrease) in Restricted Cash
Purchases of restricted securities available for sale
Payments to Acquire Available-for-sale Securities
Proceeds from sale of restricted securities available for sale
Proceeds from Sale and Maturity of Available-for-sale Securities
Maturities of restricted securities available for sale
Proceeds from Maturities, Prepayments and Calls of Available-for-sale Securities
Principal collected on Loans receivable
Proceeds from Collection of Loans Receivable
Advances to Dealers
Advances To Dealers
The cash outflow for non-recourse payments made to dealers under a portfolio program in exchange for the right to service the underlying consumer loans.
Purchases of Consumer Loans
Payments to Acquire Loans Receivable
Accelerated payments of Dealer Holdback
Accelerated Payments of Dealer Holdback
The cash outflow for payments made to dealers under our Portfolio Program at the time a pool of 100 or more consumer loans is closed by dealers with a single open pool or at the time 100 consumer loans have been collectively assigned by dealers with multiple open pools.
Payments of Dealer Holdback
Payments of Dealer Holdback
The cash outflow for payments made to dealers under our Portfolio Program from the portion of the collections on the underlying consumer loans that exceed amounts retained by us to recover the advance balance, certain collection costs, and our servicing fee.
Purchases of property and equipment
Payments to Acquire Property, Plant, and Equipment
Net cash used in investing activities
Net Cash Provided by (Used in) Investing Activities
Cash Flows From Financing Activities:
Net Cash Provided by (Used in) Financing Activities [Abstract]
Borrowings under revolving secured line of credit
Proceeds from Long-term Lines of Credit
Repayments under revolving secured line of credit
Repayments of Long-term Lines of Credit
Proceeds from secured financing
Proceeds from Issuance of Secured Debt
Repayments of secured financing
Repayments of Secured Debt
Payments of debt issuance costs
Payments of Debt Issuance Costs
Repurchase of common stock
Payments for Repurchase of Common Stock
Excess tax benefits from stock-based compensation plans
Excess Tax Benefit from Share-based Compensation, Financing Activities
Proceeds from (Payments for) Other Financing Activities
Proceeds from (Payments for) Other Financing Activities
Net cash provided by financing activities
Net Cash Provided by (Used in) Financing Activities
Net increase in cash and cash equivalents
Cash and Cash Equivalents, Period Increase (Decrease)
Cash and cash equivalents, beginning of period
Cash and Cash Equivalents, at Carrying Value
Cash and cash equivalents, end of period
Supplemental Disclosure of Cash Flow Information:
Supplemental Cash Flow Information [Abstract]
Cash paid during the period for interest
Interest Paid, Net
Cash paid during the period for income taxes
Income Taxes Paid, Net
Estimated Fair Value, Less than 12 Months
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value
Gross Unrealized Losses, Less than 12 Months
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss
Estimated Fair Value, 12 Months or More
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value
Gross Unrealized Losses, 12 Months or More
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss
Total Estimated Fair Value
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value
Total Gross Unrealized Losses
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss
Related Party Transactions [Abstract]
Schedule of Related Party Transactions, by Related Party [Table]
Schedule of Related Party Transactions, by Related Party [Table]
Related Party [Axis]
Related Party [Axis]
Related Party [Domain]
Related Party [Domain]
Affiliated Dealer Activity [Member]
Affiliated Entity [Member]
Related Party Transaction [Line Items]
Related Party Transaction [Line Items]
Affiliated Dealer Loan balances
Due from Affiliates
Percentage of Affiliated Dealer Loan balances
Percentage Of Due From Affiliates
Percentage Of Due From Affiliates
Dealer Loan revenue
Revenue from Related Parties
Dealer Loan revenue, percentage
Percentage Of Related Party Transaction Revenues From Transaction
Percentage Of Related Party Transaction Revenues From Transaction
New Consumer Loan assignments
New Consumer Loan assignments, percentage
Percentage Of Advances To Dealers
Percentage Of Advances To Dealers
Accelerated Dealer Holdback payments
Accelerated Dealer Holdback payments, percentage
Percentage Of Accelerated Payments Of Dealer Holdback
Percentage Of Accelerated Payments Of Dealer Holdback
Dealer Holdback payments
Dealer Holdback payments, percentage
Percentage Of Payments Of Dealer Holdback
Percentage Of Payments Of Dealer Holdback
Equity [Abstract]
Schedule of Stock Repurchases
Class of Treasury Stock [Table Text Block]
Age of Consumer Loans contractual payments due with no forecasted future net cash flows
Period After Consumer Loans With No Forecasted Future Net Cash Flows
Period After Consumer Loans With No Forecasted Future Net Cash Flows
Number of business programs
Number Of Business Programs
Number Of Business Programs
Number of consumers required to group advances
Number Of Consumers Required To Group Advances
Number Of Consumers Required To Group Advances
Number of consumer loans assigned to receive accelerated Dealer Holdback payment
Number Of Consumer Loans Assigned To Receive Accelerated Dealer Holdback Payment
Number Of Consumer Loans Assigned To Receive Accelerated Dealer Holdback Payment
Servicing fee percentage in collections
Service Fee Income As Percentage Of Collections
Service fee income as a percentage of collections.
One-time enrollment fee in program
Revenue From Enrollment And Registration Fees In Program
Revenue From Enrollment And Registration Fees In Program
Percentage of enrollment fee of first accelerated dealer holdback payment
Percentage Of Revenue From Enrollment And Registration Fees In Program
Percentage Of Revenue From Enrollment And Registration Fees In Program
Percentage of Consumer Loans Assigned with FICO Score of Less Than 650 or No FICO Score
Financing Receivable Credit Quality Indicators [Table Text Block]
Schedule of Percentage of Consumer Loans Assigned Based on Unit Volumes
Schedule Of Percentage Of Consumer Loans Assigned Based On Unit Volumes [Table Text Block]
Schedule Of Percentage Of Consumer Loans Assigned Based On Unit Volumes Table Text Block
Schedule of Loans Receivable
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
Summary of Changes in Loans Receivable
Schedule Of Changes In Accounts Notes Loans And Financing Receivable [Table Text Block]
Schedule Of Changes In Accounts Notes Loans And Financing Receivable [Table Text Block]
Summary of Changes in Accretable Yield
Summary Of Changes In Accretable Yield [Table Text Block]
Summary of changes in the accretable yield.
Summary of Information Related to New Consumer Loan Assignments
Schedule Of New Consumer Loan Assignments [Table Text Block]
Schedule of new consumer loan assignments.
Schedule of Consumer Loans Forecasted Collection Percentage
Schedule Of Consumer Loans Forecasted Collection Percentage [Text Block]
Schedule Of Consumer Loans Forecasted Collection Percentage [Text Block]
Schedule of Consumer Loans Performance
Schedule Of Consumer Loans Performance [Table Text Block]
Schedule Of Consumer Loans Performance [Table Text Block]
Summary of Changes in Allowance for Credit Losses
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]
Income Tax Disclosure [Abstract]
U.S. federal statutory rate
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent
State income taxes
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent
Excess tax benefits from stock-based compensation plans
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Share-based Compensation Cost, Percent
Other
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent
Effective tax rate
Effective Income Tax Rate Reconciliation, Percent
Accounting Policies [Abstract]
Summary of Significant Accounting Policies
Significant Accounting Policies [Text Block]
Business Segment Information
Segment Reporting, Policy [Policy Text Block]
Cash and Cash Equivalents
Cash and Cash Equivalents, Policy [Policy Text Block]
Restricted Cash and Cash Equivalents
Cash and Cash Equivalents, Restricted Cash and Cash Equivalents, Policy [Policy Text Block]
Loans Receivable and Allowance for Credit Losses
Policy Loans Receivable, Policy [Policy Text Block]
Reinsurance
Reinsurance Accounting Policy [Policy Text Block]
New Accounting Updates
New Accounting Pronouncements, Policy [Policy Text Block]
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Terms of Interest Rate Cap Agreements
Schedule of Interest Rate Derivatives [Table Text Block]
Certain Loans Acquired in Transfer Not Accounted for as Loans Accretable Yield Movement Schedule [Roll Forward]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Balance, beginning of period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield
New Consumer Loan assignments
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Additions
Accretion
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion
Provision for credit losses
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications (to) from Nonaccretable Difference
Forecast changes
Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference Forecast Changes
Change in the estimate of cash flows expected to be collected, after acquisition of a loan, which results in an increase in accretable yield (for example, if actual cash flows are significantly greater than previously expected). This relates to loans with evidence of deterioration of credit quality since origination that was acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable.
Transfers
Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers
Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers
Balance, end of period
Loans and Leases Receivable, Net [Roll Forward]
Loans and Leases Receivable, Net [Roll Forward]
Loans and Leases Receivable, Net [Roll Forward]
Balance, beginning of period
New Consumer Loan assignments
New Consumer Loan Assignments
New consumer loan assignments
Principal collected on Loans receivable
Accelerated Dealer Holdback payments
Transfers
Loans And Leases Receivable Transfers
Loans and leases receivable transfers.
Write-offs
Allowance for Loan and Lease Losses, Write-offs
Recoveries
Allowance for Loan and Lease Loss, Recovery of Bad Debts
Balance, end of period
Debt Disclosure [Abstract]
Schedule of Long-term Debt Instruments [Table]
Schedule of Long-term Debt Instruments [Table]
Variable Rate [Axis]
Variable Rate [Axis]
Variable Rate [Domain]
Variable Rate [Domain]
LIBOR [Member]
London Interbank Offered Rate (LIBOR) [Member]
Prime Rate [Member]
Prime Rate [Member]
Debt Instrument [Axis]
Debt Instrument [Axis]
Debt Instrument, Name [Domain]
Debt Instrument, Name [Domain]
Revolving Secured Line of Credit [Member]
Line of Credit [Member]
Revolving Secured Line of Credit 2019 [Member]
Line of Credit Two Thousand Nineteen [Member]
Line of Credit Two Thousand Nineteen [Member]
Warehouse Facilities [Member]
Warehouse Facilities [Member]
Warehouse facilities member.
Warehouse Facility II [Member]
Warehouse Facility II [Member]
Warehouse Facility II [Member]
Warehouse Facility IV [Member]
Warehouse Facility IV [Member]
Warehouse Facility IV Member
Warehouse Facility V [Member]
Warehouse Facility V [Member]
Warehouse Facility V Member
Warehouse Facility VI [Member]
Warehouse Facility VI [Member]
WarehouseFacilityVI [Member]
2017 Senior Notes [Member]
Two Thousand Seventeen Senior Notes [Member]
Two Thousand Seventeen Senior Notes [Member]
2021 Senior Notes [Member]
Two Thousand Twenty One Senior Notes [Member]
Two Thousand Twenty One Senior Notes [Member]
2023 Senior Notes [Member]
Two Thousand Twenty Three Senior Notes [Member]
Two Thousand Twenty Three Senior Notes [Member]
Term ABS 2014-2 [Member]
TermAssetBackedSecuredFinancingsTwoThousandFourteenTwo [Member]
TermAssetBackedSecuredFinancingsTwoThousandFourteenTwo
Term ABS 2015-1 [Member]
TermAssetBackedSecuredFinancingsTwoThousandFifteenOne [Member]
TermAssetBackedSecuredFinancingsTwoThousandFifteenOne [Member]
Term ABS 2015-2 [Member]
TermAssetBackedSecuredFinancingsTwoThousandFifteenTwo [Member]
TermAssetBackedSecuredFinancingsTwoThousandFifteenTwo [Member]
Term ABS 2016-1 [Member]
TermAssetBackedSecuredFinancingsTwoThousandSixteenOne [Member]
TermAssetBackedSecuredFinancingsTwoThousandSixteenOne [Member]
Term ABS 2016-2 [Member]
TermAssetBackedSecuredFinancingsTwoThousandSixteenTwo [Member]
TermAssetBackedSecuredFinancingsTwoThousandSixteenTwo [Member]
Term ABS 2016-3 [Member]
TermAssetBackedSecuredFinancingsTwoThousandSixteenThree [Member]
TermAssetBackedSecuredFinancingsTwoThousandSixteenThree [Member]
Term ABS 2017-1 [Member]
TermAssetBackedSecuredFinancingsTwoThousandSeventeenOne [Member]
TermAssetBackedSecuredFinancingsTwoThousandSeventeenOne [Member]
Term ABS 2017-2 [Member]
TermAssetBackedSecuredFinancingsTwoThousandSeventeenTwo [Member]
TermAssetBackedSecuredFinancingsTwoThousandSeventeenTwo
Debt Instrument [Line Items]
Debt Instrument [Line Items]
Line of credit facility
Line of Credit Facility, Maximum Borrowing Capacity
Percentage of net book value of loans
Percentage Of Net Book Value Of Loans
Percentage of net book value of loans, maximum.
Maximum hedging reserve
Maximum Hedging Reserve
Maximum hedging reserve
Number of warehouse facilities
Number Warehouse Facilities
Number Warehouse Facilities
Debt facility financing amount
Debt Instrument, Face Amount
Wholly-owned Subsidiary
Debt Instrument, Issuer
Percentage of collections on contributed loans
Percentage of collections on contributed loans
Percentage of collections on contributed loans
Monthly servicing fee per financing
Monthly Servicing Fee Per Financing
Monthly Servicing Fee Per Financing
Debt financing close date
Debt financing close date
Debt financing close date
Close date, secured financings
Debt Instrument, Issuance Date
Senior notes stated interest rate
Debt Instrument, Interest Rate, Stated Percentage
Debt maturity date
Debt Instrument, Maturity Date
Repayment of senior notes
Repayments of Senior Debt
Redemption price, percentage of principal amount redeemed
Debt Instrument, Redemption Price, Percentage of Principal Amount Redeemed
Proceeds from issuance of senior notes
Proceeds from Issuance of Senior Long-term Debt
Senior notes yield to maturity
Debt Instrument, Interest Rate, Effective Percentage
Debt covenants
Debt Instrument Covenant Net Income For Past Two Quarters
Debt Instrument Covenant Net Income For Past Two Quarters
Unamortized debt discount
Debt Instrument, Unamortized Discount
Net Book Value Of Loans Pledged As Collateral
Net Book Value Of Loans Pledged As Collateral
Net Book Value Of Loans Pledged As Collateral
Schedule of Reconciliation of the U.S. Federal Statutory Rate to Effective Tax Rate
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]
Schedule of Principal Debt Outstanding
Schedule of Principal Debt Outstanding [Table Text Block]
Schedule of Principal Debt Outstanding [Table Text Block]
Schedule of General Information of Financing Transaction
Schedule of Debt [Table Text Block]
Schedule of Additional Information Related to Debt Instruments
Schedule Of Additional Information Related To Debt Instruments [Table Text Block]
Schedule Of Additional Information Related To Debt Instruments [Table Text Block]
Summary of Debt
Schedule of Long-term Debt Instruments [Table Text Block]
Summary of Term ABS Financings
ScheduleOfAssetBackedDebtInstrumentsTextBlock [Table Text Block]
ScheduleOfAssetBackedDebtInstrumentsTextBlock [Table Text Block]
Earnings Per Share [Abstract]
Schedule of Weighted Average Shares Outstanding Basic and Diluted
Schedule of Weighted Average Number of Shares [Table Text Block]
Reinsurance [Text Block]
Reinsurance [Text Block]
Income Taxes
Income Tax Disclosure [Text Block]
Cash and Cash Equivalents [Axis]
Cash and Cash Equivalents [Axis]
Restricted Cash and Cash Equivalents [Member]
Restricted Cash And Cash Equivalents [Member]
Restricted Cash And Cash Equivalents
Number of reportable segments
Number of Reportable Segments
Uninsured cash and cash equivalents
Cash, Uninsured Amount
Number of portfolio segments
Number of Portfolio Segments
Number of Portfolio Segments
Period after Consumer Loan assignment that Dealer Loans written off
Period After Determination Dealer Loan Write Off
Period After Determination Dealer Loan Write Off
Period after month of purchase that Purchased Loans written off
Period After Determination Purchased Loan Write Off
Period After Determination Purchased Loan Write Off
Allowance for Loan and Lease Losses [Roll Forward]
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period
Provision for credit losses
Write-offs
Balance, end of period
Schedule of Short-term Debt [Table]
Schedule of Short-term Debt [Table]
Line of credit maturity date
Line of Credit Facility, Expiration Date
Financing Amount
Debt facility financing amount
Basis spread on variable rate
Debt Instrument, Basis Spread on Variable Rate
Term ABS 2013-1 [Member]
Term Asset Backed Secured Financings Two Thousand Thirteen One [Member]
Term Asset Backed Secured Financings Two Thousand Thirteen One [Member]
Term ABS 2013-2 [Member]
TermAssetBackedSecuredfinancingsTwoThousandThirteenTwo [Member]
TermAssetBackedSecuredfinancingsTwoThousandThirteenTwo [Member]
Term ABS 2014-1 [Member]
TermAssetBackedSecuredFinancingsTwoThousandFourteenOne [Member]
TermAssetBackedSecuredFinancingsTwoThousandFourteenOne [Member]
Balance outstanding
Long-term Line of Credit
Balance outstanding
Secured Debt
Balance outstanding
Senior Notes, Noncurrent
Amount available for borrowing
Line of Credit Facility, Remaining Borrowing Capacity
Amount available for borrowing
Debt Instrument Amount Available For Borrowing
Debt Instrument Amount Available For Borrowing
Loans pledged as collateral
Loans Pledged as Collateral
Restricted cash and cash equivalents pledged as collateral
Interest rate
Line of Credit Facility, Interest Rate at Period End
Derivative and Hedging Instruments
Derivative Instruments and Hedging Activities Disclosure [Text Block]
Related Party Transactions
Related Party Transactions Disclosure [Text Block]
Income Statement [Abstract]
Revenue:
Revenues [Abstract]
Finance charges
Financial Services Revenue
Premiums earned
Other income
Other Income
Total revenue
Revenues
Costs and expenses:
Costs and Expenses [Abstract]
Salaries and wages
Labor and Related Expense
General and administrative
General and Administrative Expense
Sales and marketing
Selling and Marketing Expense
Interest
Interest Expense
Total costs and expenses
Costs and Expenses
Income before provision for income taxes
Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Noncontrolling Interest
Provision for income taxes
Income Tax Expense (Benefit)
Net income per share:
Earnings Per Share, Basic and Diluted [Abstract]
Basic (in usd per share)
Earnings Per Share, Basic
Diluted (in usd per share)
Earnings Per Share, Diluted
Weighted average shares outstanding:
Weighted Average Number of Shares Outstanding Reconciliation [Abstract]
Basic (in shares)
Weighted Average Number of Shares Outstanding, Basic
Diluted (in shares)
Weighted Average Number of Shares Outstanding, Diluted
Subsequent Events [Abstract]
Subsequent Events [Text Block]
Subsequent Events [Text Block]
Derivative [Table]
Derivative [Table]
Derivative Instrument Risk [Axis]
Derivative Instrument [Axis]
Derivative Contract Type [Domain]
Derivative Contract [Domain]
5.50% Cap Interest Rate Original [Member]
FivePointFivePercentCapInterestRateOriginal [Member]
FivePointFivePercentCapInterestRateOriginal [Member]
Additional Interest Rate Cap [Member]
InterestRateAdditionalCap [Member]
InterestRateAdditionalCap [Member]
5.50% Cap Interest Rate [Member]
Five Point Five Percent Cap Interest Rate [Member]
5.5% Cap Interest Rate [Member]
5.00% Cap Interest Rate [Member]
cacc_FivePercentCapInterestRate [Member]
cacc_FivePercentCapInterestRate [Member]
Derivative [Line Items]
Derivative [Line Items]
Notional
Derivative, Notional Amount
Cap Interest Rate
Derivative, Cap Interest Rate
Interest rate caps, fair value of less than $0.1 million
Derivative Asset, Fair Value, Amount Not Offset Against Collateral
Loans Originating In 2008 [Member]
Loans Originating In2008 [Member]
Loans Originating In 2008 [Member]
Loans Originating In 2009 [Member]
Loans Originating In2009 [Member]
Loans Originating In 2009 [Member]
Loans Originating In 2010 [Member]
Loans Originating In2010 [Member]
Loans Originating In 2010 [Member]
Loans Originating In 2011 [Member]
Loans Originating In2011 [Member]
Loans Originating In 2011 [Member]
Loans Originating In 2012 [Member]
Loans Originating In2012 [Member]
Loans Originating In 2012 [Member]
Loans Originating In 2013 [Member]
Loans Originating In2013 [Member]
Loans Originating In 2013 [Member]
Loans Originating In 2014 [Member]
LoansOriginatingIn2014 [Member]
OriginatingIn2014 [Member]
Loans Originating In 2015 [Member]
Loans Originating in 2015 [Member]
Loans Originating in 2015 [Member]
Loans Originating In 2016 [Member]
Loans Originating In 2016 [Member]
Loans Originating in 2016 [Member]
Loans Originating In 2017 [Member]
Loans Originating In 2017 [Member]
Loans Originating in 2017 [Member]
LoansOriginatingInCurrentYearPriorQuarters [Member]
LoansOriginatingInCurrentYearPriorQuarters [Member]
LoansOriginatingInCurrent YearPriorQuarters [Member]
LoansOriginatinginCurrentYearCurrentQuarter [Member]
LoansOriginatinginCurrentYearCurrentQuarter [Member]
LoansOriginatinginCurrentYearCurrentQuarter [Member]
Forecasted Collection Percentage
Loans Receivable Forecasted Collection Percentage
Loans Receivable Forecasted Collection Percentage
Initial Forecasted Collection Percentage
Loans Receivable Initial Forecasted Collection Percentage
Loans Receivable Initial Forecasted Collection Percentage
Variance In Forecasted Collection Percentage from Prior Quarter End
Loans Receivable Variance In Forecasted Collection Percentage From Prior Quarter End
Loans Receivable Variance In Forecasted Collection Percentage From Prior Quarter End
Variance In Forecasted Collection Percentage from Prior Year End
Loans Receivable Variance In Forecasted Collection Percentage From Prior Year End
Loans Receivable Variance In Forecasted Collection Percentage From Prior Year End
Variance In Initial Forecasted Collection Percentage
Loans Receivable Variance In Initial Forecasted Collection Percentage
Loans Receivable Variance In Initial Forecasted Collection Percentage
Summary of Reinsurance Activity
Schedule Of Reinsurance Activity [Table Text Block]
The tabular disclosure pertaining to the existence, magnitude and information about insurance that has been ceded to or assumed from another insurance company, including the methodologies and assumptions used in determining recorded amounts.
Schedule of Trust Assets and Reinsurance Liabilities
Schedule Of Trust Assets And Reinsurance Liabilities [Table Text Block]
Schedule Of Trust Assets And Reinsurance Liabilities Table Text Block
Statement of Financial Position [Abstract]
Loans receivable, from affiliates
Preferred stock, par value (in usd per share)
Preferred Stock, Par or Stated Value Per Share
Preferred stock, shares authorized
Preferred Stock, Shares Authorized
Preferred stock, shares issued
Preferred Stock, Shares Issued
Common stock, par value (in usd per share)
Common Stock, Par or Stated Value Per Share
Common stock, shares authorized
Common Stock, Shares Authorized
Common stock, shares issued
Common Stock, Shares, Issued
Common stock, shares outstanding
Common Stock, Shares, Outstanding
Close Date
Net Book Value of Loans Contributed at Closing
Maturity Date
Stock Repurchases
Stock Repurchases [Text Block]
The entire disclosure for an entity's stock repurchases, including the description of the share repurchase program authorized by an entity's board of directors, the number of shares repurchased, the cost of the shares repurchased, the remaining maximum dollar value of shares available for repurchase under the program, and other information necessary to a fair presentation.
Common shares
Weighted Average Number of Shares Issued, Basic
Vested restricted stock units
Weighted Average Number of Shares, Restricted Stock
Basic number of weighted average shares outstanding
Dilutive effect of restricted stock and restricted stock units
Dilutive Securities Restricted Stock And Restricted Stock Units
Dilutive securities restricted stock and restricted stock units.
Dilutive number of weighted average shares outstanding
Shares outstanding excluded from calculation of diluted net income per share
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount
Maximum outstanding balance
Line of Credit Facility, Maximum Amount Outstanding During Period
Average outstanding balance
Line of Credit Facility, Average Outstanding Amount
ASSETS:
Assets [Abstract]
Cash and cash equivalents
Loans receivable (including $1.4 from affiliates as of December 31, 2016)
Loans receivable, net
Property and equipment, net
Property, Plant and Equipment, Net
Income taxes receivable
Income Taxes Receivable
Other assets
Other Assets
Total Assets
Assets
LIABILITIES AND SHAREHOLDERS' EQUITY:
Liabilities and Equity [Abstract]
Liabilities:
Liabilities [Abstract]
Revolving secured line of credit
Secured financing
Senior notes
Deferred income taxes, net
Deferred Tax Liabilities, Net
Income taxes payable
Accrued Income Taxes
Total Liabilities
Liabilities
Commitments and Contingencies - See Note 15
Commitments and Contingencies
Shareholders' Equity:
Stockholders' Equity Attributable to Parent [Abstract]
Preferred stock, $0.01 par value, 1,000,000 shares authorized, none issued
Preferred Stock, Value, Issued
Common stock, $0.01 par value, 80,000,000 shares authorized, 19,310,346 and 19,877,381 shares issued and outstanding as of June 30, 2017 and December 31, 2016, respectively
Common Stock, Value, Issued
Paid-in capital
Additional Paid in Capital, Common Stock
Retained earnings
Retained Earnings (Accumulated Deficit)
Accumulated other comprehensive loss
Accumulated Other Comprehensive Income (Loss), Net of Tax
Total Shareholders' Equity
Stockholders' Equity Attributable to Parent
Total Liabilities and Shareholders' Equity
Liabilities and Equity
Debt
Debt Disclosure [Text Block]
Commitments and Contingencies Disclosure [Abstract]
Loss Contingencies [Table]
Loss Contingencies [Table]
Loss Contingency Nature [Axis]
Loss Contingency Nature [Axis]
Loss Contingency, Nature [Domain]
Loss Contingency, Nature [Domain]
Litigation Status [Axis]
Litigation Status [Axis]
Litigation Status [Domain]
Litigation Status [Domain]
Litigation Case [Axis]
Litigation Case [Axis]
Litigation Case [Domain]
Litigation Case [Domain]
Loss Contingencies [Line Items]
Loss Contingencies [Line Items]
Secured financings [Member]
Secured financings [Member]
Secured financings [Member]
Senior Notes [Member]
Senior Notes [Member]
Deferred Debt Issuance Costs
Unamortized Debt Issuance Expense
Unamortized debt discount
Carrying Amount
Debt Instrument, Fair Value Disclosure
Fair Value of Financial Instruments
Fair Value Disclosures [Text Block]
Schedule of Financing Receivable, Recorded Investment, Credit Quality Indicator [Table]
Schedule of Financing Receivable, Recorded Investment, Credit Quality Indicator [Table]
Credit Score, FICO [Axis]
Credit Score, FICO [Axis]
Credit Score, FICO [Domain]
Credit Score, FICO [Domain]
Percentage Of Contracts With FICO Score Lower Than 650 Or No FICO Score [Member]
Percentage Of Contracts With FICO Score Lower Than 650 Or No FICO Score [Member]
Percentage Of Contracts With FICO Score Lower Than 650 Or No FICO Score [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Recorded Investment [Line Items]
Percentage of total unit volume with FICO score lower than 650 o no FICO score
Financing Receivable, Credit Quality, Additional Information
Document And Entity Information [Abstract]
Document and Entity Information (Abstract)
Document Type
Document Type
Amendment Flag
Amendment Flag
Document Period End Date
Document Period End Date
Document Fiscal Year Focus
Document Fiscal Year Focus
Document Fiscal Period Focus
Document Fiscal Period Focus
Entity Registrant Name
Entity Registrant Name
Entity Central Index Key
Entity Central Index Key
Current Fiscal Year End Date
Current Fiscal Year End Date
Entity Filer Category
Entity Filer Category
Entity Common Stock, Shares Outstanding
Entity Common Stock, Shares Outstanding
Schedule of Related Party Loan Activity
Schedule of Related Party Transactions [Table Text Block]
Contractual net cash flows at the time of assignment
Loans Receivable Contractual Net Cash Flows At Assignment
Loans Receivable Contractual Net Cash Flows At Assignment
Expected net cash flows at the time of assignment
Loans Receivable Expected Net Cash Flows At Assignment
Loans Receivable Expected Net Cash Flows At Assignment
Fair value at the time of assignment
Loans Receivable Fair Value Of Net Cash Flows At Assignment
Loans Receivable Fair Value Of Net Cash Flows At Assignment
Fair Value Measurements, Recurring and Nonrecurring [Table]
Fair Value Measurements, Recurring and Nonrecurring [Table]
Fair Value, Hierarchy [Axis]
Fair Value, Hierarchy [Axis]
Fair Value, Measurements, Fair Value Hierarchy [Domain]
Fair Value Hierarchy [Domain]
Level 1 [Member]
Fair Value, Inputs, Level 1 [Member]
Level 2 [Member]
Fair Value, Inputs, Level 2 [Member]
Level 3 [Member]
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Net Income Per Share
Earnings Per Share [Text Block]
Stock-Based Compensation Plans
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]
Litigation and Contingent Liabilities
Commitments and Contingencies Disclosure [Text Block]
Description Of Business [Table]
Description Of Business [Table]
Description Of Business [Table]
Payments For Proceeds From Loans Receivable Programs [Axis]
Payments For Proceeds From Loans Receivable Programs [Axis]
Payments For Proceeds From Loans Receivable Programs Axis
Payments For Proceeds From Loans Receivable Programs [Domain]
Payments For Proceeds From Loans Receivable Programs [Domain]
Payments For Proceeds From Loans Receivable Programs Domain
Portfolio Program [Member]
Portfolio Program [Member]
Portfolio Program Member
Purchase Program [Member]
Purchase Program [Member]
Purchase Program Member
Description Of Business [Line Items]
Description Of Business [Line Items]
Description Of Business [Line Items]
Percentage of new consumer loans unit volume
Percentage Of New Consumer Loans In Unit Volume
Percentage of new consumer loans in unit volume
Percentage of new consumer loans dollar volume
Percentage of new consumer loans dollar volume
Percentage of new consumer loans dollar volume
Schedule of Comparison of the Carrying Value and Estimated Fair Value of Financial Instruments
Fair Value, by Balance Sheet Grouping [Table Text Block]
Schedule of Assets and Liabilities, Measured at Fair Value on a Recurring Basis
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]
Class of Treasury Stock [Table]
Class of Treasury Stock [Table]
Share Repurchase Program [Axis]
Share Repurchase Program [Axis]
Share Repurchase Program [Domain]
Share Repurchase Program [Domain]
Open Market [Member]
Open Market [Member]
Open Market [Member]
Other [Member]
Tax Withholdings For Share Based Compensation Awards Vested [Member]
Tax Withholdings For Share Based Compensation Awards Vested [Member]
Equity, Class of Treasury Stock [Line Items]
Equity, Class of Treasury Stock [Line Items]
Increase in number of shares authorized for repurchase
Stock Repurchase Program Number Of Shares Authorized To Be Repurchased Increase
Stock Repurchase Program Number Of Shares Authorized To Be Repurchased Increase
Remaining number of shares authorized for repurchase
Stock Repurchase Program, Remaining Number of Shares Authorized to be Repurchased
Common stock repurchased, shares
Stock Repurchased During Period, Shares
Common stock repurchased, value
Stock Repurchased During Period, Value