false2022Q2000088555012/3100008855502022-01-012022-06-3000008855502022-07-25xbrli:shares00008855502022-06-30iso4217:USD00008855502021-12-31iso4217:USDxbrli:shares00008855502022-04-012022-06-3000008855502021-04-012021-06-3000008855502021-01-012021-06-300000885550us-gaap:CommonStockMember2022-03-310000885550us-gaap:AdditionalPaidInCapitalMember2022-03-310000885550us-gaap:RetainedEarningsMember2022-03-310000885550us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-03-3100008855502022-03-310000885550us-gaap:CommonStockMember2022-04-012022-06-300000885550us-gaap:AdditionalPaidInCapitalMember2022-04-012022-06-300000885550us-gaap:RetainedEarningsMember2022-04-012022-06-300000885550us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-04-012022-06-300000885550us-gaap:CommonStockMember2022-06-300000885550us-gaap:AdditionalPaidInCapitalMember2022-06-300000885550us-gaap:RetainedEarningsMember2022-06-300000885550us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-06-300000885550us-gaap:CommonStockMember2021-03-310000885550us-gaap:AdditionalPaidInCapitalMember2021-03-310000885550us-gaap:RetainedEarningsMember2021-03-310000885550us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-03-3100008855502021-03-310000885550us-gaap:CommonStockMember2021-04-012021-06-300000885550us-gaap:AdditionalPaidInCapitalMember2021-04-012021-06-300000885550us-gaap:RetainedEarningsMember2021-04-012021-06-300000885550us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-04-012021-06-300000885550us-gaap:CommonStockMember2021-06-300000885550us-gaap:AdditionalPaidInCapitalMember2021-06-300000885550us-gaap:RetainedEarningsMember2021-06-300000885550us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-06-3000008855502021-06-300000885550us-gaap:CommonStockMember2021-12-310000885550us-gaap:AdditionalPaidInCapitalMember2021-12-310000885550us-gaap:RetainedEarningsMember2021-12-310000885550us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-12-310000885550us-gaap:CommonStockMember2022-01-012022-06-300000885550us-gaap:AdditionalPaidInCapitalMember2022-01-012022-06-300000885550us-gaap:RetainedEarningsMember2022-01-012022-06-300000885550us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-01-012022-06-300000885550us-gaap:CommonStockMember2020-12-310000885550us-gaap:AdditionalPaidInCapitalMember2020-12-310000885550us-gaap:RetainedEarningsMember2020-12-310000885550us-gaap:AccumulatedOtherComprehensiveIncomeMember2020-12-3100008855502020-12-310000885550us-gaap:CommonStockMember2021-01-012021-06-300000885550us-gaap:AdditionalPaidInCapitalMember2021-01-012021-06-300000885550us-gaap:RetainedEarningsMember2021-01-012021-06-300000885550us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-01-012021-06-3000008855502021-01-012021-12-310000885550cacc:FICOScoreLowerThan650OrNoFICOScoreMember2022-04-012022-06-30xbrli:pure0000885550cacc:FICOScoreLowerThan650OrNoFICOScoreMember2021-04-012021-06-300000885550cacc:FICOScoreLowerThan650OrNoFICOScoreMember2022-01-012022-06-300000885550cacc:FICOScoreLowerThan650OrNoFICOScoreMember2021-01-012021-06-30cacc:program0000885550cacc:PortfolioProgramMember2021-01-012021-03-310000885550cacc:PurchaseProgramMember2021-01-012021-03-310000885550cacc:PortfolioProgramMember2021-04-012021-06-300000885550cacc:PurchaseProgramMember2021-04-012021-06-300000885550cacc:PortfolioProgramMember2021-07-012021-09-300000885550cacc:PurchaseProgramMember2021-07-012021-09-300000885550cacc:PortfolioProgramMember2021-10-012021-12-310000885550cacc:PurchaseProgramMember2021-10-012021-12-310000885550cacc:PortfolioProgramMember2022-01-012022-03-310000885550cacc:PurchaseProgramMember2022-01-012022-03-310000885550cacc:PortfolioProgramMember2022-04-012022-06-300000885550cacc:PurchaseProgramMember2022-04-012022-06-30cacc:loancacc:segment0000885550cacc:RestrictedCashAndCashEquivalentsMember2022-06-300000885550cacc:RestrictedCashAndCashEquivalentsMember2021-12-310000885550us-gaap:CarryingReportedAmountFairValueDisclosureMember2022-06-300000885550us-gaap:EstimateOfFairValueFairValueDisclosureMember2022-06-300000885550us-gaap:CarryingReportedAmountFairValueDisclosureMember2021-12-310000885550us-gaap:EstimateOfFairValueFairValueDisclosureMember2021-12-310000885550us-gaap:FairValueInputsLevel1Member2022-06-300000885550us-gaap:FairValueInputsLevel2Member2022-06-300000885550us-gaap:FairValueInputsLevel3Member2022-06-300000885550us-gaap:FairValueInputsLevel1Member2021-12-310000885550us-gaap:FairValueInputsLevel2Member2021-12-310000885550us-gaap:FairValueInputsLevel3Member2021-12-310000885550us-gaap:CorporateBondSecuritiesMember2022-06-300000885550us-gaap:USGovernmentCorporationsAndAgenciesSecuritiesMember2022-06-300000885550us-gaap:AssetBackedSecuritiesMember2022-06-300000885550us-gaap:CommercialPaperNotIncludedWithCashAndCashEquivalentsMember2022-06-300000885550us-gaap:MortgageBackedSecuritiesMember2022-06-300000885550us-gaap:CorporateBondSecuritiesMember2021-12-310000885550us-gaap:USGovernmentCorporationsAndAgenciesSecuritiesMember2021-12-310000885550us-gaap:AssetBackedSecuritiesMember2021-12-310000885550us-gaap:MortgageBackedSecuritiesMember2021-12-310000885550us-gaap:CommercialPaperMember2022-06-300000885550cacc:DealerLoansMember2022-06-300000885550cacc:PurchasedLoansMember2022-06-300000885550cacc:DealerLoansMember2021-12-310000885550cacc:PurchasedLoansMember2021-12-310000885550cacc:DealerLoansMemberus-gaap:LoansReceivableMember2022-03-310000885550cacc:PurchasedLoansMemberus-gaap:LoansReceivableMember2022-03-310000885550us-gaap:LoansReceivableMember2022-03-310000885550cacc:DealerLoansMembercacc:AllowanceforCreditLossesMember2022-03-310000885550cacc:PurchasedLoansMembercacc:AllowanceforCreditLossesMember2022-03-310000885550cacc:AllowanceforCreditLossesMember2022-03-310000885550cacc:DealerLoansMember2022-03-310000885550cacc:PurchasedLoansMember2022-03-310000885550cacc:DealerLoansMemberus-gaap:LoansReceivableMember2022-04-012022-06-300000885550cacc:PurchasedLoansMemberus-gaap:LoansReceivableMember2022-04-012022-06-300000885550us-gaap:LoansReceivableMember2022-04-012022-06-300000885550cacc:DealerLoansMembercacc:AllowanceforCreditLossesMember2022-04-012022-06-300000885550cacc:PurchasedLoansMembercacc:AllowanceforCreditLossesMember2022-04-012022-06-300000885550cacc:AllowanceforCreditLossesMember2022-04-012022-06-300000885550cacc:DealerLoansMember2022-04-012022-06-300000885550cacc:PurchasedLoansMember2022-04-012022-06-300000885550cacc:DealerLoansMemberus-gaap:LoansReceivableMember2022-06-300000885550cacc:PurchasedLoansMemberus-gaap:LoansReceivableMember2022-06-300000885550us-gaap:LoansReceivableMember2022-06-300000885550cacc:DealerLoansMembercacc:AllowanceforCreditLossesMember2022-06-300000885550cacc:PurchasedLoansMembercacc:AllowanceforCreditLossesMember2022-06-300000885550cacc:AllowanceforCreditLossesMember2022-06-300000885550cacc:DealerLoansMemberus-gaap:LoansReceivableMember2021-03-310000885550cacc:PurchasedLoansMemberus-gaap:LoansReceivableMember2021-03-310000885550us-gaap:LoansReceivableMember2021-03-310000885550cacc:DealerLoansMembercacc:AllowanceforCreditLossesMember2021-03-310000885550cacc:PurchasedLoansMembercacc:AllowanceforCreditLossesMember2021-03-310000885550cacc:AllowanceforCreditLossesMember2021-03-310000885550cacc:DealerLoansMember2021-03-310000885550cacc:PurchasedLoansMember2021-03-310000885550cacc:DealerLoansMemberus-gaap:LoansReceivableMember2021-04-012021-06-300000885550cacc:PurchasedLoansMemberus-gaap:LoansReceivableMember2021-04-012021-06-300000885550us-gaap:LoansReceivableMember2021-04-012021-06-300000885550cacc:DealerLoansMembercacc:AllowanceforCreditLossesMember2021-04-012021-06-300000885550cacc:PurchasedLoansMembercacc:AllowanceforCreditLossesMember2021-04-012021-06-300000885550cacc:AllowanceforCreditLossesMember2021-04-012021-06-300000885550cacc:DealerLoansMember2021-04-012021-06-300000885550cacc:PurchasedLoansMember2021-04-012021-06-300000885550cacc:DealerLoansMemberus-gaap:LoansReceivableMember2021-06-300000885550cacc:PurchasedLoansMemberus-gaap:LoansReceivableMember2021-06-300000885550us-gaap:LoansReceivableMember2021-06-300000885550cacc:DealerLoansMembercacc:AllowanceforCreditLossesMember2021-06-300000885550cacc:PurchasedLoansMembercacc:AllowanceforCreditLossesMember2021-06-300000885550cacc:AllowanceforCreditLossesMember2021-06-300000885550cacc:DealerLoansMember2021-06-300000885550cacc:PurchasedLoansMember2021-06-300000885550cacc:DealerLoansMemberus-gaap:LoansReceivableMember2021-12-310000885550cacc:PurchasedLoansMemberus-gaap:LoansReceivableMember2021-12-310000885550us-gaap:LoansReceivableMember2021-12-310000885550cacc:DealerLoansMembercacc:AllowanceforCreditLossesMember2021-12-310000885550cacc:PurchasedLoansMembercacc:AllowanceforCreditLossesMember2021-12-310000885550cacc:AllowanceforCreditLossesMember2021-12-310000885550cacc:DealerLoansMemberus-gaap:LoansReceivableMember2022-01-012022-06-300000885550cacc:PurchasedLoansMemberus-gaap:LoansReceivableMember2022-01-012022-06-300000885550us-gaap:LoansReceivableMember2022-01-012022-06-300000885550cacc:DealerLoansMembercacc:AllowanceforCreditLossesMember2022-01-012022-06-300000885550cacc:PurchasedLoansMembercacc:AllowanceforCreditLossesMember2022-01-012022-06-300000885550cacc:AllowanceforCreditLossesMember2022-01-012022-06-300000885550cacc:DealerLoansMember2022-01-012022-06-300000885550cacc:PurchasedLoansMember2022-01-012022-06-300000885550cacc:DealerLoansMemberus-gaap:LoansReceivableMember2020-12-310000885550cacc:PurchasedLoansMemberus-gaap:LoansReceivableMember2020-12-310000885550us-gaap:LoansReceivableMember2020-12-310000885550cacc:DealerLoansMembercacc:AllowanceforCreditLossesMember2020-12-310000885550cacc:PurchasedLoansMembercacc:AllowanceforCreditLossesMember2020-12-310000885550cacc:AllowanceforCreditLossesMember2020-12-310000885550cacc:DealerLoansMember2020-12-310000885550cacc:PurchasedLoansMember2020-12-310000885550cacc:DealerLoansMemberus-gaap:LoansReceivableMember2021-01-012021-06-300000885550cacc:PurchasedLoansMemberus-gaap:LoansReceivableMember2021-01-012021-06-300000885550us-gaap:LoansReceivableMember2021-01-012021-06-300000885550cacc:DealerLoansMembercacc:AllowanceforCreditLossesMember2021-01-012021-06-300000885550cacc:PurchasedLoansMembercacc:AllowanceforCreditLossesMember2021-01-012021-06-300000885550cacc:AllowanceforCreditLossesMember2021-01-012021-06-300000885550cacc:DealerLoansMember2021-01-012021-06-300000885550cacc:PurchasedLoansMember2021-01-012021-06-300000885550cacc:DealerLoansMembercacc:NewConsumerLoanAssignmentsMember2022-04-012022-06-300000885550cacc:PurchasedLoansMembercacc:NewConsumerLoanAssignmentsMember2022-04-012022-06-300000885550cacc:NewConsumerLoanAssignmentsMember2022-04-012022-06-300000885550cacc:DealerLoansMembercacc:ForecastChangesMember2022-04-012022-06-300000885550cacc:PurchasedLoansMembercacc:ForecastChangesMember2022-04-012022-06-300000885550cacc:ForecastChangesMember2022-04-012022-06-300000885550cacc:DealerLoansMembercacc:NewConsumerLoanAssignmentsMember2021-04-012021-06-300000885550cacc:PurchasedLoansMembercacc:NewConsumerLoanAssignmentsMember2021-04-012021-06-300000885550cacc:NewConsumerLoanAssignmentsMember2021-04-012021-06-300000885550cacc:DealerLoansMembercacc:ForecastChangesMember2021-04-012021-06-300000885550cacc:PurchasedLoansMembercacc:ForecastChangesMember2021-04-012021-06-300000885550cacc:ForecastChangesMember2021-04-012021-06-300000885550cacc:DealerLoansMembercacc:NewConsumerLoanAssignmentsMember2022-01-012022-06-300000885550cacc:PurchasedLoansMembercacc:NewConsumerLoanAssignmentsMember2022-01-012022-06-300000885550cacc:NewConsumerLoanAssignmentsMember2022-01-012022-06-300000885550cacc:DealerLoansMembercacc:ForecastChangesMember2022-01-012022-06-300000885550cacc:PurchasedLoansMembercacc:ForecastChangesMember2022-01-012022-06-300000885550cacc:ForecastChangesMember2022-01-012022-06-300000885550cacc:DealerLoansMembercacc:NewConsumerLoanAssignmentsMember2021-01-012021-06-300000885550cacc:PurchasedLoansMembercacc:NewConsumerLoanAssignmentsMember2021-01-012021-06-300000885550cacc:NewConsumerLoanAssignmentsMember2021-01-012021-06-300000885550cacc:DealerLoansMembercacc:ForecastChangesMember2021-01-012021-06-300000885550cacc:PurchasedLoansMembercacc:ForecastChangesMember2021-01-012021-06-300000885550cacc:ForecastChangesMember2021-01-012021-06-300000885550cacc:LoansOriginatingIn2013Member2022-06-300000885550cacc:LoansOriginatingIn2013Member2022-03-310000885550cacc:LoansOriginatingIn2013Member2021-12-310000885550cacc:LoansOriginatingIn2013Member2013-12-310000885550cacc:LoansOriginatingIn2014Member2022-06-300000885550cacc:LoansOriginatingIn2014Member2022-03-310000885550cacc:LoansOriginatingIn2014Member2021-12-310000885550cacc:LoansOriginatingIn2014Member2014-12-310000885550cacc:LoansOriginatingin2015Member2022-06-300000885550cacc:LoansOriginatingin2015Member2022-03-310000885550cacc:LoansOriginatingin2015Member2021-12-310000885550cacc:LoansOriginatingin2015Member2015-12-310000885550cacc:LoansOriginatingIn2016Member2022-06-300000885550cacc:LoansOriginatingIn2016Member2022-03-310000885550cacc:LoansOriginatingIn2016Member2021-12-310000885550cacc:LoansOriginatingIn2016Member2016-12-310000885550cacc:LoansOriginatingIn2017Member2022-06-300000885550cacc:LoansOriginatingIn2017Member2022-03-310000885550cacc:LoansOriginatingIn2017Member2021-12-310000885550cacc:LoansOriginatingIn2017Member2017-12-310000885550cacc:LoansOriginatingIn2018Member2022-06-300000885550cacc:LoansOriginatingIn2018Member2022-03-310000885550cacc:LoansOriginatingIn2018Member2021-12-310000885550cacc:LoansOriginatingIn2018Member2018-12-310000885550cacc:LoansOriginatingin2019Member2022-06-300000885550cacc:LoansOriginatingin2019Member2022-03-310000885550cacc:LoansOriginatingin2019Member2021-12-310000885550cacc:LoansOriginatingin2019Member2019-12-310000885550cacc:LoansOriginatingIn2020Member2022-06-300000885550cacc:LoansOriginatingIn2020Member2022-03-310000885550cacc:LoansOriginatingIn2020Member2021-12-310000885550cacc:LoansOriginatingIn2020Member2020-12-310000885550cacc:LoansOriginatingIn2021Member2022-06-300000885550cacc:LoansOriginatingIn2021Member2022-03-310000885550cacc:LoansOriginatingIn2021Member2021-12-310000885550cacc:LoansOriginatingIn2022Member2022-06-300000885550cacc:LoansOriginatingIn2022Member2022-03-310000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2013Member2022-06-300000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2013Member2022-03-310000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2013Member2021-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2013Member2013-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2014Member2022-06-300000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2014Member2022-03-310000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2014Member2021-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2014Member2014-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingin2015Member2022-06-300000885550cacc:DealerLoansMembercacc:LoansOriginatingin2015Member2022-03-310000885550cacc:DealerLoansMembercacc:LoansOriginatingin2015Member2021-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingin2015Member2015-12-310000885550cacc:LoansOriginatingIn2016Membercacc:DealerLoansMember2022-06-300000885550cacc:LoansOriginatingIn2016Membercacc:DealerLoansMember2022-03-310000885550cacc:LoansOriginatingIn2016Membercacc:DealerLoansMember2021-12-310000885550cacc:LoansOriginatingIn2016Membercacc:DealerLoansMember2016-12-310000885550cacc:LoansOriginatingIn2017Membercacc:DealerLoansMember2022-06-300000885550cacc:LoansOriginatingIn2017Membercacc:DealerLoansMember2022-03-310000885550cacc:LoansOriginatingIn2017Membercacc:DealerLoansMember2021-12-310000885550cacc:LoansOriginatingIn2017Membercacc:DealerLoansMember2017-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2018Member2022-06-300000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2018Member2022-03-310000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2018Member2021-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2018Member2018-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingin2019Member2022-06-300000885550cacc:DealerLoansMembercacc:LoansOriginatingin2019Member2022-03-310000885550cacc:DealerLoansMembercacc:LoansOriginatingin2019Member2021-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingin2019Member2019-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2020Member2022-06-300000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2020Member2022-03-310000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2020Member2021-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2020Member2020-12-310000885550cacc:LoansOriginatingIn2021Membercacc:DealerLoansMember2022-06-300000885550cacc:LoansOriginatingIn2021Membercacc:DealerLoansMember2022-03-310000885550cacc:LoansOriginatingIn2021Membercacc:DealerLoansMember2021-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2022Member2022-06-300000885550cacc:DealerLoansMembercacc:LoansOriginatingIn2022Member2022-03-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2013Member2022-06-300000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2013Member2022-03-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2013Member2021-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2013Member2013-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2014Member2022-06-300000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2014Member2022-03-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2014Member2021-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2014Member2014-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingin2015Member2022-06-300000885550cacc:PurchasedLoansMembercacc:LoansOriginatingin2015Member2022-03-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingin2015Member2021-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingin2015Member2015-12-310000885550cacc:LoansOriginatingIn2016Membercacc:PurchasedLoansMember2022-06-300000885550cacc:LoansOriginatingIn2016Membercacc:PurchasedLoansMember2022-03-310000885550cacc:LoansOriginatingIn2016Membercacc:PurchasedLoansMember2021-12-310000885550cacc:LoansOriginatingIn2016Membercacc:PurchasedLoansMember2016-12-310000885550cacc:LoansOriginatingIn2017Membercacc:PurchasedLoansMember2022-06-300000885550cacc:LoansOriginatingIn2017Membercacc:PurchasedLoansMember2022-03-310000885550cacc:LoansOriginatingIn2017Membercacc:PurchasedLoansMember2021-12-310000885550cacc:LoansOriginatingIn2017Membercacc:PurchasedLoansMember2017-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2018Member2022-06-300000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2018Member2022-03-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2018Member2021-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2018Member2018-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingin2019Member2022-06-300000885550cacc:PurchasedLoansMembercacc:LoansOriginatingin2019Member2022-03-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingin2019Member2021-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingin2019Member2019-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2020Member2022-06-300000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2020Member2022-03-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2020Member2021-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2020Member2020-12-310000885550cacc:LoansOriginatingIn2021Membercacc:PurchasedLoansMember2022-06-300000885550cacc:LoansOriginatingIn2021Membercacc:PurchasedLoansMember2022-03-310000885550cacc:LoansOriginatingIn2021Membercacc:PurchasedLoansMember2021-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2022Member2022-06-300000885550cacc:PurchasedLoansMembercacc:LoansOriginatingIn2022Member2022-03-310000885550cacc:CurrentPretermMembercacc:LoansOriginatingFiveYearsPriorAndBeforeMember2022-06-300000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:PastDueOver90DaysPretermMember2022-06-300000885550cacc:PosttermMembercacc:LoansOriginatingFiveYearsPriorAndBeforeMember2022-06-300000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMember2022-06-300000885550cacc:LoansOriginatingFourYearsPriorMembercacc:CurrentPretermMember2022-06-300000885550cacc:LoansOriginatingFourYearsPriorMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:LoansOriginatingFourYearsPriorMembercacc:PastDueOver90DaysPretermMember2022-06-300000885550cacc:PosttermMembercacc:LoansOriginatingFourYearsPriorMember2022-06-300000885550cacc:LoansOriginatingFourYearsPriorMember2022-06-300000885550cacc:CurrentPretermMembercacc:LoansOriginatingThreeYearsPriorMember2022-06-300000885550cacc:LoansOriginatingThreeYearsPriorMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:LoansOriginatingThreeYearsPriorMembercacc:PastDueOver90DaysPretermMember2022-06-300000885550cacc:PosttermMembercacc:LoansOriginatingThreeYearsPriorMember2022-06-300000885550cacc:LoansOriginatingThreeYearsPriorMember2022-06-300000885550cacc:CurrentPretermMembercacc:LoansOriginatingTwoYearsPriorMember2022-06-300000885550cacc:LoansOriginatingTwoYearsPriorMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:PastDueOver90DaysPretermMembercacc:LoansOriginatingTwoYearsPriorMember2022-06-300000885550cacc:PosttermMembercacc:LoansOriginatingTwoYearsPriorMember2022-06-300000885550cacc:LoansOriginatingTwoYearsPriorMember2022-06-300000885550cacc:CurrentPretermMembercacc:LoansOriginatingInThePriorYearMember2022-06-300000885550cacc:PastDue1190DaysPretermMembercacc:LoansOriginatingInThePriorYearMember2022-06-300000885550cacc:PastDueOver90DaysPretermMembercacc:LoansOriginatingInThePriorYearMember2022-06-300000885550cacc:PosttermMembercacc:LoansOriginatingInThePriorYearMember2022-06-300000885550cacc:LoansOriginatingInThePriorYearMember2022-06-300000885550cacc:CurrentPretermMembercacc:LoansOriginatingInTheCurrentYearMember2022-06-300000885550cacc:LoansOriginatingInTheCurrentYearMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:LoansOriginatingInTheCurrentYearMembercacc:PastDueOver90DaysPretermMember2022-06-300000885550cacc:PosttermMembercacc:LoansOriginatingInTheCurrentYearMember2022-06-300000885550cacc:LoansOriginatingInTheCurrentYearMember2022-06-300000885550cacc:CurrentPretermMember2022-06-300000885550cacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:PastDueOver90DaysPretermMember2022-06-300000885550cacc:PosttermMember2022-06-300000885550cacc:CurrentPretermMembercacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:DealerLoansMember2022-06-300000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:DealerLoansMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:DealerLoansMembercacc:PastDueOver90DaysPretermMember2022-06-300000885550cacc:PosttermMembercacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:DealerLoansMember2022-06-300000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:DealerLoansMember2022-06-300000885550cacc:LoansOriginatingFourYearsPriorMembercacc:CurrentPretermMembercacc:DealerLoansMember2022-06-300000885550cacc:LoansOriginatingFourYearsPriorMembercacc:DealerLoansMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:LoansOriginatingFourYearsPriorMembercacc:DealerLoansMembercacc:PastDueOver90DaysPretermMember2022-06-300000885550cacc:PosttermMembercacc:LoansOriginatingFourYearsPriorMembercacc:DealerLoansMember2022-06-300000885550cacc:LoansOriginatingFourYearsPriorMembercacc:DealerLoansMember2022-06-300000885550cacc:CurrentPretermMembercacc:DealerLoansMembercacc:LoansOriginatingThreeYearsPriorMember2022-06-300000885550cacc:DealerLoansMembercacc:LoansOriginatingThreeYearsPriorMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:DealerLoansMembercacc:LoansOriginatingThreeYearsPriorMembercacc:PastDueOver90DaysPretermMember2022-06-300000885550cacc:PosttermMembercacc:DealerLoansMembercacc:LoansOriginatingThreeYearsPriorMember2022-06-300000885550cacc:DealerLoansMembercacc:LoansOriginatingThreeYearsPriorMember2022-06-300000885550cacc:CurrentPretermMembercacc:DealerLoansMembercacc:LoansOriginatingTwoYearsPriorMember2022-06-300000885550cacc:DealerLoansMembercacc:LoansOriginatingTwoYearsPriorMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:DealerLoansMembercacc:PastDueOver90DaysPretermMembercacc:LoansOriginatingTwoYearsPriorMember2022-06-300000885550cacc:PosttermMembercacc:DealerLoansMembercacc:LoansOriginatingTwoYearsPriorMember2022-06-300000885550cacc:DealerLoansMembercacc:LoansOriginatingTwoYearsPriorMember2022-06-300000885550cacc:CurrentPretermMembercacc:DealerLoansMembercacc:LoansOriginatingInThePriorYearMember2022-06-300000885550cacc:DealerLoansMembercacc:PastDue1190DaysPretermMembercacc:LoansOriginatingInThePriorYearMember2022-06-300000885550cacc:DealerLoansMembercacc:PastDueOver90DaysPretermMembercacc:LoansOriginatingInThePriorYearMember2022-06-300000885550cacc:PosttermMembercacc:DealerLoansMembercacc:LoansOriginatingInThePriorYearMember2022-06-300000885550cacc:DealerLoansMembercacc:LoansOriginatingInThePriorYearMember2022-06-300000885550cacc:CurrentPretermMembercacc:LoansOriginatingInTheCurrentYearMembercacc:DealerLoansMember2022-06-300000885550cacc:LoansOriginatingInTheCurrentYearMembercacc:DealerLoansMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:LoansOriginatingInTheCurrentYearMembercacc:DealerLoansMembercacc:PastDueOver90DaysPretermMember2022-06-300000885550cacc:PosttermMembercacc:LoansOriginatingInTheCurrentYearMembercacc:DealerLoansMember2022-06-300000885550cacc:LoansOriginatingInTheCurrentYearMembercacc:DealerLoansMember2022-06-300000885550cacc:CurrentPretermMembercacc:DealerLoansMember2022-06-300000885550cacc:DealerLoansMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:DealerLoansMembercacc:PastDueOver90DaysPretermMember2022-06-300000885550cacc:PosttermMembercacc:DealerLoansMember2022-06-300000885550cacc:CurrentPretermMembercacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:PurchasedLoansMember2022-06-300000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:PurchasedLoansMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:PurchasedLoansMembercacc:PastDueOver90DaysPretermMember2022-06-300000885550cacc:PosttermMembercacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:PurchasedLoansMember2022-06-300000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:PurchasedLoansMember2022-06-300000885550cacc:LoansOriginatingFourYearsPriorMembercacc:CurrentPretermMembercacc:PurchasedLoansMember2022-06-300000885550cacc:LoansOriginatingFourYearsPriorMembercacc:PurchasedLoansMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:LoansOriginatingFourYearsPriorMembercacc:PurchasedLoansMembercacc:PastDueOver90DaysPretermMember2022-06-300000885550cacc:PosttermMembercacc:LoansOriginatingFourYearsPriorMembercacc:PurchasedLoansMember2022-06-300000885550cacc:LoansOriginatingFourYearsPriorMembercacc:PurchasedLoansMember2022-06-300000885550cacc:CurrentPretermMembercacc:PurchasedLoansMembercacc:LoansOriginatingThreeYearsPriorMember2022-06-300000885550cacc:PurchasedLoansMembercacc:LoansOriginatingThreeYearsPriorMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:PurchasedLoansMembercacc:LoansOriginatingThreeYearsPriorMembercacc:PastDueOver90DaysPretermMember2022-06-300000885550cacc:PosttermMembercacc:PurchasedLoansMembercacc:LoansOriginatingThreeYearsPriorMember2022-06-300000885550cacc:PurchasedLoansMembercacc:LoansOriginatingThreeYearsPriorMember2022-06-300000885550cacc:CurrentPretermMembercacc:PurchasedLoansMembercacc:LoansOriginatingTwoYearsPriorMember2022-06-300000885550cacc:PurchasedLoansMembercacc:LoansOriginatingTwoYearsPriorMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:PurchasedLoansMembercacc:PastDueOver90DaysPretermMembercacc:LoansOriginatingTwoYearsPriorMember2022-06-300000885550cacc:PosttermMembercacc:PurchasedLoansMembercacc:LoansOriginatingTwoYearsPriorMember2022-06-300000885550cacc:PurchasedLoansMembercacc:LoansOriginatingTwoYearsPriorMember2022-06-300000885550cacc:CurrentPretermMembercacc:PurchasedLoansMembercacc:LoansOriginatingInThePriorYearMember2022-06-300000885550cacc:PurchasedLoansMembercacc:PastDue1190DaysPretermMembercacc:LoansOriginatingInThePriorYearMember2022-06-300000885550cacc:PurchasedLoansMembercacc:PastDueOver90DaysPretermMembercacc:LoansOriginatingInThePriorYearMember2022-06-300000885550cacc:PosttermMembercacc:PurchasedLoansMembercacc:LoansOriginatingInThePriorYearMember2022-06-300000885550cacc:PurchasedLoansMembercacc:LoansOriginatingInThePriorYearMember2022-06-300000885550cacc:CurrentPretermMembercacc:LoansOriginatingInTheCurrentYearMembercacc:PurchasedLoansMember2022-06-300000885550cacc:LoansOriginatingInTheCurrentYearMembercacc:PurchasedLoansMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:LoansOriginatingInTheCurrentYearMembercacc:PurchasedLoansMembercacc:PastDueOver90DaysPretermMember2022-06-300000885550cacc:PosttermMembercacc:LoansOriginatingInTheCurrentYearMembercacc:PurchasedLoansMember2022-06-300000885550cacc:PurchasedLoansMembercacc:LoansOriginatingInTheCurrentYearMember2022-06-300000885550cacc:CurrentPretermMembercacc:PurchasedLoansMember2022-06-300000885550cacc:PurchasedLoansMembercacc:PastDue1190DaysPretermMember2022-06-300000885550cacc:PurchasedLoansMembercacc:PastDueOver90DaysPretermMember2022-06-300000885550cacc:PosttermMembercacc:PurchasedLoansMember2022-06-300000885550cacc:CurrentPretermMembercacc:LoansOriginatingFiveYearsPriorAndBeforeMember2021-12-310000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:PastDueOver90DaysPretermMember2021-12-310000885550cacc:PosttermMembercacc:LoansOriginatingFiveYearsPriorAndBeforeMember2021-12-310000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMember2021-12-310000885550cacc:LoansOriginatingFourYearsPriorMembercacc:CurrentPretermMember2021-12-310000885550cacc:LoansOriginatingFourYearsPriorMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:LoansOriginatingFourYearsPriorMembercacc:PastDueOver90DaysPretermMember2021-12-310000885550cacc:PosttermMembercacc:LoansOriginatingFourYearsPriorMember2021-12-310000885550cacc:LoansOriginatingFourYearsPriorMember2021-12-310000885550cacc:CurrentPretermMembercacc:LoansOriginatingThreeYearsPriorMember2021-12-310000885550cacc:LoansOriginatingThreeYearsPriorMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:LoansOriginatingThreeYearsPriorMembercacc:PastDueOver90DaysPretermMember2021-12-310000885550cacc:PosttermMembercacc:LoansOriginatingThreeYearsPriorMember2021-12-310000885550cacc:LoansOriginatingThreeYearsPriorMember2021-12-310000885550cacc:CurrentPretermMembercacc:LoansOriginatingTwoYearsPriorMember2021-12-310000885550cacc:LoansOriginatingTwoYearsPriorMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:PastDueOver90DaysPretermMembercacc:LoansOriginatingTwoYearsPriorMember2021-12-310000885550cacc:PosttermMembercacc:LoansOriginatingTwoYearsPriorMember2021-12-310000885550cacc:LoansOriginatingTwoYearsPriorMember2021-12-310000885550cacc:CurrentPretermMembercacc:LoansOriginatingInThePriorYearMember2021-12-310000885550cacc:PastDue1190DaysPretermMembercacc:LoansOriginatingInThePriorYearMember2021-12-310000885550cacc:PastDueOver90DaysPretermMembercacc:LoansOriginatingInThePriorYearMember2021-12-310000885550cacc:PosttermMembercacc:LoansOriginatingInThePriorYearMember2021-12-310000885550cacc:LoansOriginatingInThePriorYearMember2021-12-310000885550cacc:CurrentPretermMembercacc:LoansOriginatingInTheCurrentYearMember2021-12-310000885550cacc:LoansOriginatingInTheCurrentYearMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:LoansOriginatingInTheCurrentYearMembercacc:PastDueOver90DaysPretermMember2021-12-310000885550cacc:PosttermMembercacc:LoansOriginatingInTheCurrentYearMember2021-12-310000885550cacc:LoansOriginatingInTheCurrentYearMember2021-12-310000885550cacc:CurrentPretermMember2021-12-310000885550cacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:PastDueOver90DaysPretermMember2021-12-310000885550cacc:PosttermMember2021-12-310000885550cacc:CurrentPretermMembercacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:DealerLoansMember2021-12-310000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:DealerLoansMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:DealerLoansMembercacc:PastDueOver90DaysPretermMember2021-12-310000885550cacc:PosttermMembercacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:DealerLoansMember2021-12-310000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:DealerLoansMember2021-12-310000885550cacc:LoansOriginatingFourYearsPriorMembercacc:CurrentPretermMembercacc:DealerLoansMember2021-12-310000885550cacc:LoansOriginatingFourYearsPriorMembercacc:DealerLoansMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:LoansOriginatingFourYearsPriorMembercacc:DealerLoansMembercacc:PastDueOver90DaysPretermMember2021-12-310000885550cacc:PosttermMembercacc:LoansOriginatingFourYearsPriorMembercacc:DealerLoansMember2021-12-310000885550cacc:LoansOriginatingFourYearsPriorMembercacc:DealerLoansMember2021-12-310000885550cacc:CurrentPretermMembercacc:DealerLoansMembercacc:LoansOriginatingThreeYearsPriorMember2021-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingThreeYearsPriorMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingThreeYearsPriorMembercacc:PastDueOver90DaysPretermMember2021-12-310000885550cacc:PosttermMembercacc:DealerLoansMembercacc:LoansOriginatingThreeYearsPriorMember2021-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingThreeYearsPriorMember2021-12-310000885550cacc:CurrentPretermMembercacc:DealerLoansMembercacc:LoansOriginatingTwoYearsPriorMember2021-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingTwoYearsPriorMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:DealerLoansMembercacc:PastDueOver90DaysPretermMembercacc:LoansOriginatingTwoYearsPriorMember2021-12-310000885550cacc:PosttermMembercacc:DealerLoansMembercacc:LoansOriginatingTwoYearsPriorMember2021-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingTwoYearsPriorMember2021-12-310000885550cacc:CurrentPretermMembercacc:DealerLoansMembercacc:LoansOriginatingInThePriorYearMember2021-12-310000885550cacc:DealerLoansMembercacc:PastDue1190DaysPretermMembercacc:LoansOriginatingInThePriorYearMember2021-12-310000885550cacc:DealerLoansMembercacc:PastDueOver90DaysPretermMembercacc:LoansOriginatingInThePriorYearMember2021-12-310000885550cacc:PosttermMembercacc:DealerLoansMembercacc:LoansOriginatingInThePriorYearMember2021-12-310000885550cacc:DealerLoansMembercacc:LoansOriginatingInThePriorYearMember2021-12-310000885550cacc:CurrentPretermMembercacc:LoansOriginatingInTheCurrentYearMembercacc:DealerLoansMember2021-12-310000885550cacc:LoansOriginatingInTheCurrentYearMembercacc:DealerLoansMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:LoansOriginatingInTheCurrentYearMembercacc:DealerLoansMembercacc:PastDueOver90DaysPretermMember2021-12-310000885550cacc:PosttermMembercacc:LoansOriginatingInTheCurrentYearMembercacc:DealerLoansMember2021-12-310000885550cacc:LoansOriginatingInTheCurrentYearMembercacc:DealerLoansMember2021-12-310000885550cacc:CurrentPretermMembercacc:DealerLoansMember2021-12-310000885550cacc:DealerLoansMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:DealerLoansMembercacc:PastDueOver90DaysPretermMember2021-12-310000885550cacc:PosttermMembercacc:DealerLoansMember2021-12-310000885550cacc:CurrentPretermMembercacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:PurchasedLoansMember2021-12-310000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:PurchasedLoansMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:PurchasedLoansMembercacc:PastDueOver90DaysPretermMember2021-12-310000885550cacc:PosttermMembercacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:PurchasedLoansMember2021-12-310000885550cacc:LoansOriginatingFiveYearsPriorAndBeforeMembercacc:PurchasedLoansMember2021-12-310000885550cacc:LoansOriginatingFourYearsPriorMembercacc:CurrentPretermMembercacc:PurchasedLoansMember2021-12-310000885550cacc:LoansOriginatingFourYearsPriorMembercacc:PurchasedLoansMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:LoansOriginatingFourYearsPriorMembercacc:PurchasedLoansMembercacc:PastDueOver90DaysPretermMember2021-12-310000885550cacc:PosttermMembercacc:LoansOriginatingFourYearsPriorMembercacc:PurchasedLoansMember2021-12-310000885550cacc:LoansOriginatingFourYearsPriorMembercacc:PurchasedLoansMember2021-12-310000885550cacc:CurrentPretermMembercacc:PurchasedLoansMembercacc:LoansOriginatingThreeYearsPriorMember2021-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingThreeYearsPriorMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingThreeYearsPriorMembercacc:PastDueOver90DaysPretermMember2021-12-310000885550cacc:PosttermMembercacc:PurchasedLoansMembercacc:LoansOriginatingThreeYearsPriorMember2021-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingThreeYearsPriorMember2021-12-310000885550cacc:CurrentPretermMembercacc:PurchasedLoansMembercacc:LoansOriginatingTwoYearsPriorMember2021-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingTwoYearsPriorMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:PurchasedLoansMembercacc:PastDueOver90DaysPretermMembercacc:LoansOriginatingTwoYearsPriorMember2021-12-310000885550cacc:PosttermMembercacc:PurchasedLoansMembercacc:LoansOriginatingTwoYearsPriorMember2021-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingTwoYearsPriorMember2021-12-310000885550cacc:CurrentPretermMembercacc:PurchasedLoansMembercacc:LoansOriginatingInThePriorYearMember2021-12-310000885550cacc:PurchasedLoansMembercacc:PastDue1190DaysPretermMembercacc:LoansOriginatingInThePriorYearMember2021-12-310000885550cacc:PurchasedLoansMembercacc:PastDueOver90DaysPretermMembercacc:LoansOriginatingInThePriorYearMember2021-12-310000885550cacc:PosttermMembercacc:PurchasedLoansMembercacc:LoansOriginatingInThePriorYearMember2021-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingInThePriorYearMember2021-12-310000885550cacc:CurrentPretermMembercacc:LoansOriginatingInTheCurrentYearMembercacc:PurchasedLoansMember2021-12-310000885550cacc:LoansOriginatingInTheCurrentYearMembercacc:PurchasedLoansMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:LoansOriginatingInTheCurrentYearMembercacc:PurchasedLoansMembercacc:PastDueOver90DaysPretermMember2021-12-310000885550cacc:PosttermMembercacc:LoansOriginatingInTheCurrentYearMembercacc:PurchasedLoansMember2021-12-310000885550cacc:PurchasedLoansMembercacc:LoansOriginatingInTheCurrentYearMember2021-12-310000885550cacc:CurrentPretermMembercacc:PurchasedLoansMember2021-12-310000885550cacc:PurchasedLoansMembercacc:PastDue1190DaysPretermMember2021-12-310000885550cacc:PurchasedLoansMembercacc:PastDueOver90DaysPretermMember2021-12-310000885550cacc:PosttermMembercacc:PurchasedLoansMember2021-12-310000885550cacc:COVID19AdjustmentMember2022-04-012022-06-300000885550cacc:RemovalOfCOVIDForecastAdjustmentMember2022-04-012022-06-300000885550cacc:ImplementationOfEnhancedForecastingMethodologyMember2022-04-012022-06-300000885550cacc:TrustAssetsMember2022-06-300000885550cacc:TrustAssetsMember2021-12-310000885550cacc:UnearnedPremiumMember2022-06-300000885550cacc:UnearnedPremiumMember2021-12-310000885550cacc:ClaimsReserveMember2022-06-300000885550cacc:ClaimsReserveMember2021-12-310000885550cacc:AncillaryproductprofitsharingMember2022-04-012022-06-300000885550cacc:AncillaryproductprofitsharingMember2021-04-012021-06-300000885550cacc:AncillaryproductprofitsharingMember2022-01-012022-06-300000885550cacc:AncillaryproductprofitsharingMember2021-01-012021-06-300000885550cacc:RemarketingFeesMember2022-04-012022-06-300000885550cacc:RemarketingFeesMember2021-04-012021-06-300000885550cacc:RemarketingFeesMember2022-01-012022-06-300000885550cacc:RemarketingFeesMember2021-01-012021-06-300000885550cacc:DealerEnrollmentFeesMember2022-04-012022-06-300000885550cacc:DealerEnrollmentFeesMember2021-04-012021-06-300000885550cacc:DealerEnrollmentFeesMember2022-01-012022-06-300000885550cacc:DealerEnrollmentFeesMember2021-01-012021-06-300000885550cacc:InterestMember2022-04-012022-06-300000885550cacc:InterestMember2021-04-012021-06-300000885550cacc:InterestMember2022-01-012022-06-300000885550cacc:InterestMember2021-01-012021-06-300000885550cacc:DealerSupportProductsAndServicesMember2022-04-012022-06-300000885550cacc:DealerSupportProductsAndServicesMember2021-04-012021-06-300000885550cacc:DealerSupportProductsAndServicesMember2022-01-012022-06-300000885550cacc:DealerSupportProductsAndServicesMember2021-01-012021-06-300000885550cacc:OtherMember2022-04-012022-06-300000885550cacc:OtherMember2021-04-012021-06-300000885550cacc:OtherMember2022-01-012022-06-300000885550cacc:OtherMember2021-01-012021-06-3000008855502019-01-012019-08-050000885550cacc:ThirdPartyProvidersMembercacc:AncillaryproductprofitsharingMember2022-04-012022-06-300000885550cacc:ThirdPartyProvidersMembercacc:RemarketingFeesMember2022-04-012022-06-300000885550cacc:DealerEnrollmentFeesMembercacc:ThirdPartyProvidersMember2022-04-012022-06-300000885550cacc:ThirdPartyProvidersMembercacc:InterestMember2022-04-012022-06-300000885550cacc:ThirdPartyProvidersMembercacc:DealerSupportProductsAndServicesMember2022-04-012022-06-300000885550cacc:ThirdPartyProvidersMember2022-04-012022-06-300000885550cacc:DealersMembercacc:AncillaryproductprofitsharingMember2022-04-012022-06-300000885550cacc:DealersMembercacc:RemarketingFeesMember2022-04-012022-06-300000885550cacc:DealerEnrollmentFeesMembercacc:DealersMember2022-04-012022-06-300000885550cacc:DealersMembercacc:InterestMember2022-04-012022-06-300000885550cacc:DealersMembercacc:DealerSupportProductsAndServicesMember2022-04-012022-06-300000885550cacc:DealersMember2022-04-012022-06-300000885550us-gaap:TransferredOverTimeMembercacc:AncillaryproductprofitsharingMember2022-04-012022-06-300000885550us-gaap:TransferredOverTimeMembercacc:RemarketingFeesMember2022-04-012022-06-300000885550cacc:DealerEnrollmentFeesMemberus-gaap:TransferredOverTimeMember2022-04-012022-06-300000885550us-gaap:TransferredOverTimeMembercacc:InterestMember2022-04-012022-06-300000885550us-gaap:TransferredOverTimeMembercacc:DealerSupportProductsAndServicesMember2022-04-012022-06-300000885550us-gaap:TransferredOverTimeMember2022-04-012022-06-300000885550cacc:AncillaryproductprofitsharingMemberus-gaap:TransferredAtPointInTimeMember2022-04-012022-06-300000885550cacc:RemarketingFeesMemberus-gaap:TransferredAtPointInTimeMember2022-04-012022-06-300000885550cacc:DealerEnrollmentFeesMemberus-gaap:TransferredAtPointInTimeMember2022-04-012022-06-300000885550us-gaap:TransferredAtPointInTimeMembercacc:InterestMember2022-04-012022-06-300000885550us-gaap:TransferredAtPointInTimeMembercacc:DealerSupportProductsAndServicesMember2022-04-012022-06-300000885550us-gaap:TransferredAtPointInTimeMember2022-04-012022-06-300000885550cacc:ThirdPartyProvidersMembercacc:AncillaryproductprofitsharingMember2022-01-012022-06-300000885550cacc:ThirdPartyProvidersMembercacc:RemarketingFeesMember2022-01-012022-06-300000885550cacc:DealerEnrollmentFeesMembercacc:ThirdPartyProvidersMember2022-01-012022-06-300000885550cacc:ThirdPartyProvidersMembercacc:InterestMember2022-01-012022-06-300000885550cacc:ThirdPartyProvidersMembercacc:DealerSupportProductsAndServicesMember2022-01-012022-06-300000885550cacc:ThirdPartyProvidersMember2022-01-012022-06-300000885550cacc:DealersMembercacc:AncillaryproductprofitsharingMember2022-01-012022-06-300000885550cacc:DealersMembercacc:RemarketingFeesMember2022-01-012022-06-300000885550cacc:DealerEnrollmentFeesMembercacc:DealersMember2022-01-012022-06-300000885550cacc:DealersMembercacc:InterestMember2022-01-012022-06-300000885550cacc:DealersMembercacc:DealerSupportProductsAndServicesMember2022-01-012022-06-300000885550cacc:DealersMember2022-01-012022-06-300000885550us-gaap:TransferredOverTimeMembercacc:AncillaryproductprofitsharingMember2022-01-012022-06-300000885550us-gaap:TransferredOverTimeMembercacc:RemarketingFeesMember2022-01-012022-06-300000885550cacc:DealerEnrollmentFeesMemberus-gaap:TransferredOverTimeMember2022-01-012022-06-300000885550us-gaap:TransferredOverTimeMembercacc:InterestMember2022-01-012022-06-300000885550us-gaap:TransferredOverTimeMembercacc:DealerSupportProductsAndServicesMember2022-01-012022-06-300000885550us-gaap:TransferredOverTimeMember2022-01-012022-06-300000885550cacc:AncillaryproductprofitsharingMemberus-gaap:TransferredAtPointInTimeMember2022-01-012022-06-300000885550cacc:RemarketingFeesMemberus-gaap:TransferredAtPointInTimeMember2022-01-012022-06-300000885550cacc:DealerEnrollmentFeesMemberus-gaap:TransferredAtPointInTimeMember2022-01-012022-06-300000885550us-gaap:TransferredAtPointInTimeMembercacc:InterestMember2022-01-012022-06-300000885550us-gaap:TransferredAtPointInTimeMembercacc:DealerSupportProductsAndServicesMember2022-01-012022-06-300000885550us-gaap:TransferredAtPointInTimeMember2022-01-012022-06-300000885550us-gaap:LineOfCreditMember2022-06-300000885550cacc:SecuredFinancingsMember2022-06-300000885550us-gaap:SeniorNotesMember2022-06-300000885550us-gaap:MortgagesMember2022-06-300000885550us-gaap:LineOfCreditMember2021-12-310000885550cacc:SecuredFinancingsMember2021-12-310000885550us-gaap:SeniorNotesMember2021-12-310000885550us-gaap:MortgagesMember2021-12-310000885550us-gaap:OtherAssetsMember2022-06-300000885550us-gaap:OtherAssetsMember2021-12-310000885550us-gaap:LineOfCreditMember2022-01-012022-06-300000885550us-gaap:BaseRateMemberus-gaap:LineOfCreditMember2022-01-012022-06-300000885550us-gaap:PrimeRateMemberus-gaap:LineOfCreditMember2022-01-012022-06-300000885550cacc:WarehouseFacilityIIMember2022-01-012022-06-300000885550cacc:WarehouseFacilityIIMember2022-06-300000885550cacc:WarehouseFacilityIIMemberus-gaap:LondonInterbankOfferedRateLIBORMember2022-01-012022-06-300000885550cacc:WarehouseFacilityIVMember2022-01-012022-06-300000885550cacc:WarehouseFacilityIVMember2022-06-300000885550us-gaap:SecuredOvernightFinancingRateSofrOvernightIndexSwapRateMembercacc:WarehouseFacilityIVMember2022-01-012022-06-300000885550cacc:WarehouseFacilityVMember2022-01-012022-06-300000885550cacc:WarehouseFacilityVMember2022-06-300000885550cacc:WarehouseFacilityVMemberus-gaap:LondonInterbankOfferedRateLIBORMember2022-01-012022-06-300000885550cacc:WarehouseFacilityVIMember2022-01-012022-06-300000885550cacc:WarehouseFacilityVIMember2022-06-300000885550cacc:WarehouseFacilityVIMemberus-gaap:LondonInterbankOfferedRateLIBORMember2022-01-012022-06-300000885550cacc:WarehouseFacilityVIIIMember2022-01-012022-06-300000885550cacc:WarehouseFacilityVIIIMember2022-06-300000885550cacc:WarehouseFacilityVIIIMemberus-gaap:LondonInterbankOfferedRateLIBORMember2022-01-012022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandNineteenTwoMember2022-01-012022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandNineteenTwoMember2022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandNineteenThreeMember2022-01-012022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandNineteenThreeMember2022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneMember2022-01-012022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneMember2022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyTwoMember2022-01-012022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyTwoMember2022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyThreeMember2022-01-012022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyThreeMember2022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneOneMember2022-01-012022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneOneMember2022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneOneMemberus-gaap:LondonInterbankOfferedRateLIBORMember2022-01-012022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneTwoMember2022-01-012022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneTwoMember2022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneThreeMember2022-01-012022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneThreeMember2022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneFourMember2022-01-012022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneFourMember2022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyTwoOneMember2022-01-012022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyTwoOneMember2022-06-300000885550cacc:TwoThousandTwentyFourSeniorNotesMember2022-01-012022-06-300000885550cacc:TwoThousandTwentyFourSeniorNotesMember2022-06-300000885550cacc:TwoThousandTwentySixSeniorNotesMember2022-01-012022-06-300000885550cacc:TwoThousandTwentySixSeniorNotesMember2022-06-300000885550us-gaap:MortgagesMember2022-01-012022-06-300000885550us-gaap:MortgagesMemberus-gaap:LondonInterbankOfferedRateLIBORMember2022-01-012022-06-300000885550us-gaap:LineOfCreditMember2022-04-012022-06-300000885550us-gaap:LineOfCreditMember2021-04-012021-06-300000885550us-gaap:LineOfCreditMember2021-01-012021-06-300000885550cacc:WarehouseFacilityIIMember2022-04-012022-06-300000885550cacc:WarehouseFacilityIIMember2021-04-012021-06-300000885550cacc:WarehouseFacilityIIMember2021-01-012021-06-300000885550cacc:WarehouseFacilityIVMember2022-04-012022-06-300000885550cacc:WarehouseFacilityIVMember2021-04-012021-06-300000885550cacc:WarehouseFacilityIVMember2021-01-012021-06-300000885550cacc:WarehouseFacilityVMember2022-04-012022-06-300000885550cacc:WarehouseFacilityVMember2021-04-012021-06-300000885550cacc:WarehouseFacilityVMember2021-01-012021-06-300000885550cacc:WarehouseFacilityVIMember2022-04-012022-06-300000885550cacc:WarehouseFacilityVIMember2021-04-012021-06-300000885550cacc:WarehouseFacilityVIMember2021-01-012021-06-300000885550cacc:WarehouseFacilityVIIIMember2022-04-012022-06-300000885550cacc:WarehouseFacilityVIIIMember2021-04-012021-06-300000885550cacc:WarehouseFacilityVIIIMember2021-01-012021-06-300000885550cacc:WarehouseFacilityIIMember2021-12-310000885550cacc:WarehouseFacilityIVMember2021-12-310000885550cacc:WarehouseFacilityVMember2021-12-310000885550cacc:WarehouseFacilityVIMember2021-12-310000885550cacc:WarehouseFacilityVIIIMember2021-12-310000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandNineteenOneMember2022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandNineteenOneMember2021-12-310000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandNineteenTwoMember2021-12-310000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandNineteenThreeMember2021-12-310000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneMember2021-12-310000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyTwoMember2021-12-310000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyThreeMember2021-12-310000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneOneMember2021-12-310000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneTwoMember2021-12-310000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneThreeMember2021-12-310000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneFourMember2021-12-310000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyTwoOneMember2021-12-310000885550cacc:TwoThousandTwentyFourSeniorNotesMember2021-12-310000885550cacc:TwoThousandTwentySixSeniorNotesMember2021-12-310000885550cacc:WarehouseFacilitiesMember2022-01-012022-06-300000885550cacc:WarehouseFacilitiesMember2022-06-300000885550cacc:TwoThousandTwentyFourSeniorNotesMember2019-12-180000885550cacc:TwoThousandTwentyOneSeniorNotesMember2019-12-1800008855502020-07-012020-09-300000885550cacc:TwoThousandTwentyOneSeniorNotesMember2020-10-012020-12-310000885550cacc:TwoThousandTwentyThreeSeniorNotesMember2022-03-310000885550cacc:TwoThousandTwentyThreeSeniorNotesMember2019-12-1800008855502021-01-012021-03-310000885550cacc:TwoThousandTwentySixSeniorNotesMember2019-03-072019-03-070000885550cacc:TwoThousandTwentySixSeniorNotesMember2019-03-070000885550us-gaap:MortgagesMember2018-08-062018-08-060000885550us-gaap:MortgagesMember2018-08-060000885550cacc:WarehouseFacilityIIMembercacc:FivePointFivePercentCapInterestRateMember2022-06-300000885550cacc:SixPointFivePercentCapInterestRateMembercacc:WarehouseFacilityIVMember2022-06-300000885550cacc:WarehouseFacilityVMembercacc:FivePointFivePercentCapInterestRateMember2022-06-300000885550cacc:WarehouseFacilityVIIIMembercacc:FivePointFivePercentCapInterestRateMember2022-06-300000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneOneMembercacc:FivePointFivePercentCapInterestRateMember2022-06-300000885550cacc:WarehouseFacilityIIMembercacc:FivePointFivePercentCapInterestRateMember2021-12-310000885550cacc:SixPointFivePercentCapInterestRateMembercacc:WarehouseFacilityIVMember2021-12-310000885550cacc:WarehouseFacilityVMembercacc:FivePointFivePercentCapInterestRateMember2021-12-310000885550cacc:WarehouseFacilityVIIIMembercacc:FivePointFivePercentCapInterestRateMember2021-12-310000885550cacc:TermAssetBackedSecuredFinancingsTwoThousandTwentyOneOneMembercacc:FivePointFivePercentCapInterestRateMember2021-12-310000885550cacc:OpenMarketMember2022-04-012022-06-300000885550cacc:OpenMarketMember2021-04-012021-06-300000885550cacc:OpenMarketMember2022-01-012022-06-300000885550cacc:OpenMarketMember2021-01-012021-06-300000885550cacc:TaxWithholdingsForShareBasedCompensationAwardsVestedMember2022-01-012022-06-300000885550cacc:TaxWithholdingsForShareBasedCompensationAwardsVestedMember2021-01-012021-06-3000008855502020-03-050000885550us-gaap:StockOptionMember2022-04-012022-06-300000885550us-gaap:StockOptionMember2021-04-012021-06-300000885550us-gaap:StockOptionMember2022-01-012022-06-300000885550us-gaap:StockOptionMember2021-01-012021-06-300000885550us-gaap:RestrictedStockUnitsRSUMember2022-04-012022-06-300000885550us-gaap:RestrictedStockUnitsRSUMember2021-04-012021-06-300000885550us-gaap:RestrictedStockUnitsRSUMember2022-01-012022-06-300000885550us-gaap:RestrictedStockUnitsRSUMember2021-01-012021-06-300000885550us-gaap:RestrictedStockMember2022-04-012022-06-300000885550us-gaap:RestrictedStockMember2021-04-012021-06-300000885550us-gaap:RestrictedStockMember2022-01-012022-06-300000885550us-gaap:RestrictedStockMember2021-01-012021-06-3000008855502020-01-012021-06-30