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    <link:label id="lab_cacc_AdditionalSixPointFivePercentCapInterestRateMember_0D1139E7848E82B714C1C37397085082_documentation_en-US" xlink:label="lab_cacc_AdditionalSixPointFivePercentCapInterestRateMember_0D1139E7848E82B714C1C37397085082" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Additional Six Point Five Percent Cap Interest Rate [Member]</link:label>
    <link:loc xlink:href="cacc-20181231.xsd#cacc_AdditionalSixPointFivePercentCapInterestRateMember" xlink:label="loc_cacc_AdditionalSixPointFivePercentCapInterestRateMember_0D1139E7848E82B714C1C37397085082" xlink:type="locator" />
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    <link:loc xlink:href="cacc-20181231.xsd#cacc_SixPointFivePercentCapInterestRateMember" xlink:label="loc_cacc_SixPointFivePercentCapInterestRateMember_155AE544D17C4B07EC5CC3521F890604" xlink:type="locator" />
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    <link:label id="lab_cacc_FivePercentCapInterestRateMember_978895E882099B62F052C3521F897A43_label_en-US" xlink:label="lab_cacc_FivePercentCapInterestRateMember_978895E882099B62F052C3521F897A43" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Five Percent Cap Interest Rate [Member]</link:label>
    <link:label id="lab_cacc_FivePercentCapInterestRateMember_978895E882099B62F052C3521F897A43_documentation_en-US" xlink:label="lab_cacc_FivePercentCapInterestRateMember_978895E882099B62F052C3521F897A43" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">5% Cap Interest Rate [Member]</link:label>
    <link:loc xlink:href="cacc-20181231.xsd#cacc_FivePercentCapInterestRateMember" xlink:label="loc_cacc_FivePercentCapInterestRateMember_978895E882099B62F052C3521F897A43" xlink:type="locator" />
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    <link:label id="lab_cacc_WarehouseFacilitiesMember_1115294406EC234C1B13C364B4EEEBB1_terseLabel_en-US" xlink:label="lab_cacc_WarehouseFacilitiesMember_1115294406EC234C1B13C364B4EEEBB1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Warehouse Facilities [Member]</link:label>
    <link:label id="lab_cacc_WarehouseFacilitiesMember_1115294406EC234C1B13C364B4EEEBB1_label_en-US" xlink:label="lab_cacc_WarehouseFacilitiesMember_1115294406EC234C1B13C364B4EEEBB1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Warehouse Facilities [Member]</link:label>
    <link:label id="lab_cacc_WarehouseFacilitiesMember_1115294406EC234C1B13C364B4EEEBB1_documentation_en-US" xlink:label="lab_cacc_WarehouseFacilitiesMember_1115294406EC234C1B13C364B4EEEBB1" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Warehouse facilities member.</link:label>
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    <link:label id="lab_cacc_WarehouseFacilityVIMember_3E78E99CA05F27FC5A47C364B4EFB673_terseLabel_en-US" xlink:label="lab_cacc_WarehouseFacilityVIMember_3E78E99CA05F27FC5A47C364B4EFB673" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Warehouse Facility VI [Member]</link:label>
    <link:label id="lab_cacc_WarehouseFacilityVIMember_3E78E99CA05F27FC5A47C364B4EFB673_label_en-US" xlink:label="lab_cacc_WarehouseFacilityVIMember_3E78E99CA05F27FC5A47C364B4EFB673" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Warehouse Facility VI [Member]</link:label>
    <link:label id="lab_cacc_WarehouseFacilityVIMember_3E78E99CA05F27FC5A47C364B4EFB673_documentation_en-US" xlink:label="lab_cacc_WarehouseFacilityVIMember_3E78E99CA05F27FC5A47C364B4EFB673" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">WarehouseFacilityVI [Member]</link:label>
    <link:loc xlink:href="cacc-20181231.xsd#cacc_WarehouseFacilityVIMember" xlink:label="loc_cacc_WarehouseFacilityVIMember_3E78E99CA05F27FC5A47C364B4EFB673" xlink:type="locator" />
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    <link:label id="lab_cacc_TwoThousandSeventeenSeniorNotesMember_87F3ED2470E2B74D0FA6C364B4EF8288_terseLabel_en-US" xlink:label="lab_cacc_TwoThousandSeventeenSeniorNotesMember_87F3ED2470E2B74D0FA6C364B4EF8288" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2017 Senior Notes [Member]</link:label>
    <link:label id="lab_cacc_TwoThousandSeventeenSeniorNotesMember_87F3ED2470E2B74D0FA6C364B4EF8288_label_en-US" xlink:label="lab_cacc_TwoThousandSeventeenSeniorNotesMember_87F3ED2470E2B74D0FA6C364B4EF8288" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Two Thousand Seventeen Senior Notes [Member]</link:label>
    <link:label id="lab_cacc_TwoThousandSeventeenSeniorNotesMember_87F3ED2470E2B74D0FA6C364B4EF8288_documentation_en-US" xlink:label="lab_cacc_TwoThousandSeventeenSeniorNotesMember_87F3ED2470E2B74D0FA6C364B4EF8288" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Two Thousand Seventeen Senior Notes [Member]</link:label>
    <link:loc xlink:href="cacc-20181231.xsd#cacc_TwoThousandSeventeenSeniorNotesMember" xlink:label="loc_cacc_TwoThousandSeventeenSeniorNotesMember_87F3ED2470E2B74D0FA6C364B4EF8288" xlink:type="locator" />
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    <link:label id="lab_cacc_TwoThousandTwentyOneSeniorNotesMember_65A5034799C74E9BA9EBC364B4EFD4FE_terseLabel_en-US" xlink:label="lab_cacc_TwoThousandTwentyOneSeniorNotesMember_65A5034799C74E9BA9EBC364B4EFD4FE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2021 Senior Notes [Member]</link:label>
    <link:label id="lab_cacc_TwoThousandTwentyOneSeniorNotesMember_65A5034799C74E9BA9EBC364B4EFD4FE_label_en-US" xlink:label="lab_cacc_TwoThousandTwentyOneSeniorNotesMember_65A5034799C74E9BA9EBC364B4EFD4FE" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Two Thousand Twenty One Senior Notes [Member]</link:label>
    <link:label id="lab_cacc_TwoThousandTwentyOneSeniorNotesMember_65A5034799C74E9BA9EBC364B4EFD4FE_documentation_en-US" xlink:label="lab_cacc_TwoThousandTwentyOneSeniorNotesMember_65A5034799C74E9BA9EBC364B4EFD4FE" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Two Thousand Twenty One Senior Notes [Member]</link:label>
    <link:loc xlink:href="cacc-20181231.xsd#cacc_TwoThousandTwentyOneSeniorNotesMember" xlink:label="loc_cacc_TwoThousandTwentyOneSeniorNotesMember_65A5034799C74E9BA9EBC364B4EFD4FE" xlink:type="locator" />
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    <link:label id="lab_cacc_TwoThousandTwentyThreeSeniorNotesMember_593BD3FBE5948961992CC364B4EF7D7E_terseLabel_en-US" xlink:label="lab_cacc_TwoThousandTwentyThreeSeniorNotesMember_593BD3FBE5948961992CC364B4EF7D7E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2023 Senior Notes [Member]</link:label>
    <link:label id="lab_cacc_TwoThousandTwentyThreeSeniorNotesMember_593BD3FBE5948961992CC364B4EF7D7E_label_en-US" xlink:label="lab_cacc_TwoThousandTwentyThreeSeniorNotesMember_593BD3FBE5948961992CC364B4EF7D7E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Two Thousand Twenty Three Senior Notes [Member]</link:label>
    <link:label id="lab_cacc_TwoThousandTwentyThreeSeniorNotesMember_593BD3FBE5948961992CC364B4EF7D7E_documentation_en-US" xlink:label="lab_cacc_TwoThousandTwentyThreeSeniorNotesMember_593BD3FBE5948961992CC364B4EF7D7E" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Two Thousand Twenty Three Senior Notes [Member]</link:label>
    <link:loc xlink:href="cacc-20181231.xsd#cacc_TwoThousandTwentyThreeSeniorNotesMember" xlink:label="loc_cacc_TwoThousandTwentyThreeSeniorNotesMember_593BD3FBE5948961992CC364B4EF7D7E" xlink:type="locator" />
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    <link:label id="lab_us-gaap_MortgagesMember_C61B33147E770EDE0230C41BD5B7F9B7_terseLabel_en-US" xlink:label="lab_us-gaap_MortgagesMember_C61B33147E770EDE0230C41BD5B7F9B7" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage [Member]</link:label>
    <link:label id="lab_us-gaap_MortgagesMember_C61B33147E770EDE0230C41BD5B7F9B7_label_en-US" xlink:label="lab_us-gaap_MortgagesMember_C61B33147E770EDE0230C41BD5B7F9B7" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgages [Member]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_MortgagesMember" xlink:label="loc_us-gaap_MortgagesMember_C61B33147E770EDE0230C41BD5B7F9B7" xlink:type="locator" />
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    <link:label id="lab_us-gaap_DebtInstrumentIssuanceDate1_F16D826BFF72AA8BE0BEC364B4EFC6D6_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentIssuanceDate1_F16D826BFF72AA8BE0BEC364B4EFC6D6" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument, Issuance Date</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DebtInstrumentIssuanceDate1" xlink:label="loc_us-gaap_DebtInstrumentIssuanceDate1_F16D826BFF72AA8BE0BEC364B4EFC6D6" xlink:type="locator" />
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    <link:label id="lab_us-gaap_DebtInstrumentMaturityDate_971394DD7DF2A37BC43AC364B4F0054F_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentMaturityDate_971394DD7DF2A37BC43AC364B4F0054F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt maturity date</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentMaturityDate_971394DD7DF2A37BC43AC364B4F0054F_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentMaturityDate_971394DD7DF2A37BC43AC364B4F0054F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Maturity Date</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DebtInstrumentMaturityDate" xlink:label="loc_us-gaap_DebtInstrumentMaturityDate_971394DD7DF2A37BC43AC364B4F0054F" xlink:type="locator" />
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    <link:label id="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_4DA278D89858E3C92D5BC364B4F0B5BE_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_4DA278D89858E3C92D5BC364B4F0B5BE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument, Basis Spread on Variable Rate</link:label>
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    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_CA3BBDC20F9C3192C922C364B4F0490C_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_CA3BBDC20F9C3192C922C364B4F0490C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of credit facility</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_CA3BBDC20F9C3192C922C364B4F0490C_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_CA3BBDC20F9C3192C922C364B4F0490C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Maximum Borrowing Capacity</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_CA3BBDC20F9C3192C922C364B4F0490C" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_CA3BBDC20F9C3192C922C364B4F0490C" xlink:to="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_CA3BBDC20F9C3192C922C364B4F0490C" xlink:type="arc" />
    <link:label id="lab_cacc_PercentageOfNetBookValueOfLoans_350F85ADC32F0C986D9FC364B4F043F7_terseLabel_en-US" xlink:label="lab_cacc_PercentageOfNetBookValueOfLoans_350F85ADC32F0C986D9FC364B4F043F7" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of net book value of loans</link:label>
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    <link:label id="lab_cacc_PercentageOfNetBookValueOfLoans_350F85ADC32F0C986D9FC364B4F043F7_documentation_en-US" xlink:label="lab_cacc_PercentageOfNetBookValueOfLoans_350F85ADC32F0C986D9FC364B4F043F7" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of net book value of loans, maximum.</link:label>
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    <link:label id="lab_cacc_MaximumHedgingReserve_8104D1C148F0040B93BCC364B4F0F936_terseLabel_en-US" xlink:label="lab_cacc_MaximumHedgingReserve_8104D1C148F0040B93BCC364B4F0F936" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum hedging reserve</link:label>
    <link:label id="lab_cacc_MaximumHedgingReserve_8104D1C148F0040B93BCC364B4F0F936_label_en-US" xlink:label="lab_cacc_MaximumHedgingReserve_8104D1C148F0040B93BCC364B4F0F936" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum Hedging Reserve</link:label>
    <link:label id="lab_cacc_MaximumHedgingReserve_8104D1C148F0040B93BCC364B4F0F936_documentation_en-US" xlink:label="lab_cacc_MaximumHedgingReserve_8104D1C148F0040B93BCC364B4F0F936" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maximum hedging reserve</link:label>
    <link:loc xlink:href="cacc-20181231.xsd#cacc_MaximumHedgingReserve" xlink:label="loc_cacc_MaximumHedgingReserve_8104D1C148F0040B93BCC364B4F0F936" xlink:type="locator" />
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    <link:label id="lab_cacc_NumberWarehouseFacilities_0074884C726A4B844EB4C364B4F15FFC_terseLabel_en-US" xlink:label="lab_cacc_NumberWarehouseFacilities_0074884C726A4B844EB4C364B4F15FFC" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of warehouse facilities</link:label>
    <link:label id="lab_cacc_NumberWarehouseFacilities_0074884C726A4B844EB4C364B4F15FFC_label_en-US" xlink:label="lab_cacc_NumberWarehouseFacilities_0074884C726A4B844EB4C364B4F15FFC" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Warehouse Facilities</link:label>
    <link:label id="lab_cacc_NumberWarehouseFacilities_0074884C726A4B844EB4C364B4F15FFC_documentation_en-US" xlink:label="lab_cacc_NumberWarehouseFacilities_0074884C726A4B844EB4C364B4F15FFC" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Warehouse Facilities</link:label>
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    <link:label id="lab_cacc_OtherMember_5BD88B526F014C7A06F9C9757C395C30_terseLabel_en-US" xlink:label="lab_cacc_OtherMember_5BD88B526F014C7A06F9C9757C395C30" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other [Member]</link:label>
    <link:label id="lab_cacc_OtherMember_5BD88B526F014C7A06F9C9757C395C30_label_en-US" xlink:label="lab_cacc_OtherMember_5BD88B526F014C7A06F9C9757C395C30" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other [Member]</link:label>
    <link:label id="lab_cacc_OtherMember_5BD88B526F014C7A06F9C9757C395C30_documentation_en-US" xlink:label="lab_cacc_OtherMember_5BD88B526F014C7A06F9C9757C395C30" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other [Member]</link:label>
    <link:loc xlink:href="cacc-20181231.xsd#cacc_OtherMember" xlink:label="loc_cacc_OtherMember_5BD88B526F014C7A06F9C9757C395C30" xlink:type="locator" />
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DisaggregationOfRevenueLineItems" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems_EB36F7CD70E19D31413EC9757C3906CD" xlink:type="locator" />
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    <link:label id="lab_cacc_RevenueFromEnrollmentAndRegistrationFeesInProgram_E961EA155FE2E3E53D50C9757C32A544_terseLabel_en-US" xlink:label="lab_cacc_RevenueFromEnrollmentAndRegistrationFeesInProgram_E961EA155FE2E3E53D50C9757C32A544" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">One-time enrollment fee in program</link:label>
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    <link:loc xlink:href="cacc-20181231.xsd#cacc_RevenueFromEnrollmentAndRegistrationFeesInProgram" xlink:label="loc_cacc_RevenueFromEnrollmentAndRegistrationFeesInProgram_E961EA155FE2E3E53D50C9757C32A544" xlink:type="locator" />
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    <link:label id="lab_cacc_PaymentHoldbackPercentage_8AD5DE114EB3AAAAD21FC9757C3282D0_terseLabel_en-US" xlink:label="lab_cacc_PaymentHoldbackPercentage_8AD5DE114EB3AAAAD21FC9757C3282D0" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of first accelerated Dealer Holdback payment retained</link:label>
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    <link:label id="lab_cacc_PaymentHoldbackPercentage_8AD5DE114EB3AAAAD21FC9757C3282D0_documentation_en-US" xlink:label="lab_cacc_PaymentHoldbackPercentage_8AD5DE114EB3AAAAD21FC9757C3282D0" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payment Holdback Percentage</link:label>
    <link:loc xlink:href="cacc-20181231.xsd#cacc_PaymentHoldbackPercentage" xlink:label="loc_cacc_PaymentHoldbackPercentage_8AD5DE114EB3AAAAD21FC9757C3282D0" xlink:type="locator" />
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    <link:label id="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_055ED4B7C7146AC21719C364B49A108C_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_055ED4B7C7146AC21719C364B49A108C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Related Party Transactions, by Related Party [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_055ED4B7C7146AC21719C364B49A108C_label_en-US" xlink:label="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_055ED4B7C7146AC21719C364B49A108C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Related Party Transactions, by Related Party [Table]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:label="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_055ED4B7C7146AC21719C364B49A108C" xlink:type="locator" />
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    <link:label id="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_3E26DFD1EF3B547EC6CAC364B49A4D84_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_3E26DFD1EF3B547EC6CAC364B49A4D84" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party [Axis]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_3E26DFD1EF3B547EC6CAC364B49A4D84" xlink:type="locator" />
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    <link:label id="lab_us-gaap_RelatedPartyDomain_D4664AE1AF735A170F9AC364B49A60F6_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyDomain_D4664AE1AF735A170F9AC364B49A60F6" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party [Domain]</link:label>
    <link:label id="lab_us-gaap_RelatedPartyDomain_D4664AE1AF735A170F9AC364B49A60F6_label_en-US" xlink:label="lab_us-gaap_RelatedPartyDomain_D4664AE1AF735A170F9AC364B49A60F6" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party [Domain]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_RelatedPartyDomain" xlink:label="loc_us-gaap_RelatedPartyDomain_D4664AE1AF735A170F9AC364B49A60F6" xlink:type="locator" />
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    <link:label id="lab_srt_AffiliatedEntityMember_C31CD08B5C185EE45113C364B49BBC04_terseLabel_en-US" xlink:label="lab_srt_AffiliatedEntityMember_C31CD08B5C185EE45113C364B49BBC04" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Affiliated Dealer Activity [Member]</link:label>
    <link:label id="lab_srt_AffiliatedEntityMember_C31CD08B5C185EE45113C364B49BBC04_label_en-US" xlink:label="lab_srt_AffiliatedEntityMember_C31CD08B5C185EE45113C364B49BBC04" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Affiliated Entity [Member]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd#srt_AffiliatedEntityMember" xlink:label="loc_srt_AffiliatedEntityMember_C31CD08B5C185EE45113C364B49BBC04" xlink:type="locator" />
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    <link:label id="lab_us-gaap_RelatedPartyTransactionLineItems_6430C4A758A38DA45DE5C364B49B58F8_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionLineItems_6430C4A758A38DA45DE5C364B49B58F8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Line Items]</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionLineItems_6430C4A758A38DA45DE5C364B49B58F8_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionLineItems_6430C4A758A38DA45DE5C364B49B58F8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Line Items]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_RelatedPartyTransactionLineItems" xlink:label="loc_us-gaap_RelatedPartyTransactionLineItems_6430C4A758A38DA45DE5C364B49B58F8" xlink:type="locator" />
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    <link:label id="lab_us-gaap_RevenueFromRelatedParties_8548C5ED7E7523BA0375C364B49BCD78_terseLabel_en-US" xlink:label="lab_us-gaap_RevenueFromRelatedParties_8548C5ED7E7523BA0375C364B49BCD78" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dealer Loan revenue</link:label>
    <link:label id="lab_us-gaap_RevenueFromRelatedParties_8548C5ED7E7523BA0375C364B49BCD78_label_en-US" xlink:label="lab_us-gaap_RevenueFromRelatedParties_8548C5ED7E7523BA0375C364B49BCD78" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revenue from Related Parties</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_RevenueFromRelatedParties" xlink:label="loc_us-gaap_RevenueFromRelatedParties_8548C5ED7E7523BA0375C364B49BCD78" xlink:type="locator" />
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    <link:label id="lab_cacc_PercentageOfRelatedPartyTransactionRevenuesFromTransaction_974B2558BBA3B6624B61C364B49CBE49_terseLabel_en-US" xlink:label="lab_cacc_PercentageOfRelatedPartyTransactionRevenuesFromTransaction_974B2558BBA3B6624B61C364B49CBE49" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dealer Loan revenue, percentage</link:label>
    <link:label id="lab_cacc_PercentageOfRelatedPartyTransactionRevenuesFromTransaction_974B2558BBA3B6624B61C364B49CBE49_label_en-US" xlink:label="lab_cacc_PercentageOfRelatedPartyTransactionRevenuesFromTransaction_974B2558BBA3B6624B61C364B49CBE49" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Related Party Transaction Revenues From Transaction</link:label>
    <link:label id="lab_cacc_PercentageOfRelatedPartyTransactionRevenuesFromTransaction_974B2558BBA3B6624B61C364B49CBE49_documentation_en-US" xlink:label="lab_cacc_PercentageOfRelatedPartyTransactionRevenuesFromTransaction_974B2558BBA3B6624B61C364B49CBE49" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Of Related Party Transaction Revenues From Transaction</link:label>
    <link:loc xlink:href="cacc-20181231.xsd#cacc_PercentageOfRelatedPartyTransactionRevenuesFromTransaction" xlink:label="loc_cacc_PercentageOfRelatedPartyTransactionRevenuesFromTransaction_974B2558BBA3B6624B61C364B49CBE49" xlink:type="locator" />
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    <link:label id="lab_cacc_AdvancesToDealers_E3F54C079B95C82164C3C364B49C7321_verboseLabel_en-US" xlink:label="lab_cacc_AdvancesToDealers_E3F54C079B95C82164C3C364B49C7321" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">New Consumer Loan assignments</link:label>
    <link:label id="lab_cacc_AdvancesToDealers_E3F54C079B95C82164C3C364B49C7321_label_en-US" xlink:label="lab_cacc_AdvancesToDealers_E3F54C079B95C82164C3C364B49C7321" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Advances To Dealers</link:label>
    <link:label id="lab_cacc_AdvancesToDealers_E3F54C079B95C82164C3C364B49C7321_documentation_en-US" xlink:label="lab_cacc_AdvancesToDealers_E3F54C079B95C82164C3C364B49C7321" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">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.</link:label>
    <link:loc xlink:href="cacc-20181231.xsd#cacc_AdvancesToDealers" xlink:label="loc_cacc_AdvancesToDealers_E3F54C079B95C82164C3C364B49C7321" xlink:type="locator" />
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    <link:label id="lab_cacc_PercentageOfAdvancesToDealers_4AF167517EB40525131FC364B49CCC89_terseLabel_en-US" xlink:label="lab_cacc_PercentageOfAdvancesToDealers_4AF167517EB40525131FC364B49CCC89" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">New Consumer Loan assignments, percentage</link:label>
    <link:label id="lab_cacc_PercentageOfAdvancesToDealers_4AF167517EB40525131FC364B49CCC89_label_en-US" xlink:label="lab_cacc_PercentageOfAdvancesToDealers_4AF167517EB40525131FC364B49CCC89" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Advances To Dealers</link:label>
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    <link:loc xlink:href="cacc-20181231.xsd#cacc_PercentageOfAdvancesToDealers" xlink:label="loc_cacc_PercentageOfAdvancesToDealers_4AF167517EB40525131FC364B49CCC89" xlink:type="locator" />
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    <link:label id="lab_cacc_AcceleratedPaymentsOfDealerHoldback_6E92037DCDEDF31EF35DC364B49D25E8_terseLabel_en-US" xlink:label="lab_cacc_AcceleratedPaymentsOfDealerHoldback_6E92037DCDEDF31EF35DC364B49D25E8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accelerated Dealer Holdback payments</link:label>
    <link:label id="lab_cacc_AcceleratedPaymentsOfDealerHoldback_6E92037DCDEDF31EF35DC364B49D25E8_label_en-US" xlink:label="lab_cacc_AcceleratedPaymentsOfDealerHoldback_6E92037DCDEDF31EF35DC364B49D25E8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accelerated Payments of Dealer Holdback</link:label>
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_BF2903D39510E59663D9C95D61916C34_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_BF2903D39510E59663D9C95D61916C34" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax</link:label>
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesRestricted_C78708B4A31BF10B4BB6C95D619104B7_verboseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesRestricted_C78708B4A31BF10B4BB6C95D619104B7" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total restricted securities available for sale</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_AvailableForSaleSecuritiesRestricted" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesRestricted_C78708B4A31BF10B4BB6C95D619104B7" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesRestricted_C78708B4A31BF10B4BB6C95D619104B7" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesRestricted_C78708B4A31BF10B4BB6C95D619104B7" xlink:type="arc" />
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    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_69C93AABFD3911B22C7BA4316301F815" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_69C93AABFD3911B22C7BA4316301F815" xlink:type="arc" />
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_226E6FA2D7FA73A3148EA43163013183" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_226E6FA2D7FA73A3148EA43163013183" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_226E6FA2D7FA73A3148EA43163013183" xlink:type="arc" />
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_D6F4FC063BF9F6D2EB4CA43163029FB9_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_D6F4FC063BF9F6D2EB4CA43163029FB9" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Over ten years, cost</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_D6F4FC063BF9F6D2EB4CA43163029FB9" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_D6F4FC063BF9F6D2EB4CA43163029FB9" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_D6F4FC063BF9F6D2EB4CA43163029FB9" xlink:type="arc" />
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_2CA15D18C55569F2DEBDA43163027305_totalLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_2CA15D18C55569F2DEBDA43163027305" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total restricted securities available for sale, cost</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_2CA15D18C55569F2DEBDA43163027305_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_2CA15D18C55569F2DEBDA43163027305" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-sale, Amortized Cost</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_2CA15D18C55569F2DEBDA43163027305" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_2CA15D18C55569F2DEBDA43163027305" xlink:to="lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_2CA15D18C55569F2DEBDA43163027305" xlink:type="arc" />
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_C476B7E18FF649D0AF33A43163029D8B_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_C476B7E18FF649D0AF33A43163029D8B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Within one year, estimated fair value</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_C476B7E18FF649D0AF33A43163029D8B_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_C476B7E18FF649D0AF33A43163029D8B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Fair Value</link:label>
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    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_0F61A861BCD3A55B545BC9CA6C14D138_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_0F61A861BCD3A55B545BC9CA6C14D138" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash Flows From Investing Activities:</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_0F61A861BCD3A55B545BC9CA6C14D138_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_0F61A861BCD3A55B545BC9CA6C14D138" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities [Abstract]</link:label>
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    <link:label id="lab_us-gaap_IncreaseDecreaseInRestrictedCash_B14C029251D3D6EE6313C9CA6C14E39E_negatedLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInRestrictedCash_B14C029251D3D6EE6313C9CA6C14E39E" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Increase in restricted cash and cash equivalents</link:label>
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    <link:label id="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecurities_E01901C81401ED675A96C9CA6C146CCF_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecurities_E01901C81401ED675A96C9CA6C146CCF" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Purchases of restricted securities available for sale</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecurities_E01901C81401ED675A96C9CA6C146CCF" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecurities_E01901C81401ED675A96C9CA6C146CCF" xlink:to="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecurities_E01901C81401ED675A96C9CA6C146CCF" xlink:type="arc" />
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    <link:label id="lab_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_AB92A8EBDDB04C31D125C9CA6C15B255_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_AB92A8EBDDB04C31D125C9CA6C15B255" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale and Maturity of Debt Securities, Available-for-sale</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:label="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_AB92A8EBDDB04C31D125C9CA6C15B255" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_AB92A8EBDDB04C31D125C9CA6C15B255" xlink:to="lab_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_AB92A8EBDDB04C31D125C9CA6C15B255" xlink:type="arc" />
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    <link:label id="lab_us-gaap_ProceedsFromCollectionOfLoansReceivable_D466FAAFE9D7ABFF4B34C9CA6C15CF20_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromCollectionOfLoansReceivable_D466FAAFE9D7ABFF4B34C9CA6C15CF20" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Principal collected on Loans receivable</link:label>
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