Santander Consumer USA (SC) 10-Q 10 Aug 15 2015 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2015	Jul. 31, 2015
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q2
Entity Registrant Name	Santander Consumer USA Holdings Inc.
Entity Central Index Key	1,580,608
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		357,790,518

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents	$ 28,886	$ 33,157
Finance receivables held for sale	1,570,416	46,585
Finance receivables held for investment, net	24,778,311	23,915,551
Restricted cash - $40,506 and $44,805 held for affiliates, respectively	3,086,229	1,920,857
Accrued interest receivable	394,970	364,676
Leased vehicles, net	5,189,904	4,862,783
Furniture and equipment, net of accumulated depreciation of $52,710 and $45,768, respectively	50,786	41,218
Federal, state and other income taxes receivable	234,944	502,035
Related party taxes receivable	0	459
Deferred tax asset	5,152	21,244
Goodwill	74,056	74,056
Intangible assets, net of amortization of $25,185 and $21,990, respectively	53,642	53,682
Due from affiliates	86,268	102,457
Other assets	486,355	403,416
Total assets	36,039,919	32,342,176
Liabilities:
Notes payable — credit facilities	6,012,337	6,402,327
Notes payable — secured structured financings	20,340,365	17,718,974
Notes payable — related party	4,260,000	3,690,000
Accrued interest payable	21,805	17,432
Accounts payable and accrued expenses	395,990	315,130
Federal, state and other income taxes payable	1,268	319
Deferred tax liabilities, net	556,013	492,303
Due to affiliates	47,295	48,688
Other liabilities	159,396	98,654
Total liabilities	$ 31,794,469	$ 28,783,827
Commitments and contingencies (Notes 5 and 10)
Equity:
Common stock, $0.01 par value — 1,100,000,000 shares authorized; 357,835,950 and 349,029,766 shares issued and 357,783,809 and 348,977,625 shares outstanding, respectively	$ 3,578	$ 3,490
Additional paid-in capital	1,682,097	1,560,519
Accumulated other comprehensive income (loss), net	(5,726)	3,553
Retained earnings	2,565,501	1,990,787
Total stockholders’ equity	4,245,450	3,558,349
Total liabilities and equity	$ 36,039,919	$ 32,342,176

CONDENSED CONSOLIDATED BALANCE3

CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Restricted cash held for affiliates	$ 40,506	$ 44,805
Accumulated depreciation	52,710	45,768
Accumulated amortization	$ 25,185	$ 21,990
Common stock , par value (in usd per share)	$ 0.01	$ 0.01
Common stock , shares authorized	1,100,000,000	1,100,000,000
Common stock , shares issued	357,835,950	349,029,766
Common stock , shares outstanding	357,783,809	348,977,625

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Income Statement [Abstract]
Interest on finance receivables and loans	$ 1,321,245	$ 1,163,448	$ 2,551,247	$ 2,303,777
Leased vehicle income	355,137	218,938	688,083	366,061
Other finance and interest income	6,738	874	14,079	1,124
Total finance and other interest income	1,683,120	1,383,260	3,253,409	2,670,962
Interest expense — Including $42,450, $36,836, $86,466, and $71,079 to affiliates, respectively	150,622	128,314	299,478	252,760
Leased vehicle expense	281,118	179,135	554,182	299,204
Net finance and other interest income	1,251,380	1,075,811	2,399,749	2,118,998
Provision for credit losses	738,735	589,136	1,344,716	1,287,730
Net finance and other interest income after provision for credit losses	512,645	486,675	1,055,033	831,268
Profit sharing	21,501	24,056	35,017	56,217
Net finance and other interest income after provision for credit losses and profit sharing	491,144	462,619	1,020,016	775,051
Investment gains, net — Including zero, $5,576, zero, and $5,576 from affiliates, respectively	86,667	21,602	107,914	57,416
Servicing fee income — Including $3,991, $9,352, $9,015, and $11,576 from affiliates, respectively	28,043	22,099	52,846	32,504
Fees, commissions, and other — Including $3,032, $7,162, $8,881, and $11,072 from affiliates, respectively	94,268	95,030	195,401	184,334
Total other income	208,978	138,731	356,161	274,254
Salary and benefits expense	110,973	93,689	211,513	295,604
Repossession expense	55,470	45,648	114,296	94,079
Other operating costs — Including $5,307, $302, $5,678, and $597 to affiliates, respectively	86,985	71,889	172,998	139,991
Total operating expenses	253,428	211,226	498,807	529,674
Income before income taxes	446,694	390,124	877,370	519,631
Income tax expense	161,230	143,643	302,656	191,684
Net income	285,464	246,481	574,714	327,947
Other comprehensive income (loss):
Change in unrealized gains (losses) on cash flow hedges, net of tax of ($2,063), $1,950, $5,559 and $720	3,564	(3,364)	(9,279)	(1,276)
Comprehensive income	$ 289,028	$ 243,117	$ 565,435	$ 326,671
Net income per common share (basic) (in usd per share)	$ 0.80	$ 0.71	$ 1.63	$ 0.94
Net income per common share (diluted) (in usd per share)	0.79	0.69	1.61	0.92
Dividends declared per common share (in usd per share)	$ 0	$ 0.15	$ 0	$ 0.15
Weighted average common shares (basic)	355,091,818	348,826,897	352,272,552	348,465,666
Weighted average common shares (diluted)	359,193,738	356,381,921	355,932,481	356,008,288

CONDENSED CONSOLIDATED STATEME5

CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Income Statement [Abstract]
Interest expense to affiliates	$ 42,450	$ 36,836	$ 86,466	$ 71,079
Investment gains, net from affiliates	0	5,576	0	5,576
Servicing fee income to affiliates	3,991	9,352	9,015	11,576
Fees, commissions and other to affiliates	3,032	7,162	8,881	11,072
Other operating costs to affiliates	5,307	302	5,678	597
Change in unrealized gains (losses) on cash flow hedges, tax	$ (2,063)	$ 1,950	$ 5,559	$ 720

CONDENSED CONSOLIDATED STATEME6

CONDENSED CONSOLIDATED STATEMENTS OF EQUITY (Unaudited) - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Accumulated Other Comprehensive Income (Loss)	Retained Earnings
Balance, shares at Dec. 31, 2013		346,760,000
Balance at Dec. 31, 2013	$ 2,686,832	$ 3,468	$ 1,409,463	$ (2,853)	$ 1,276,754
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock issued in connection with employee incentive compensation plans, shares		2,168,000
Stock issued in connection with employee incentive compensation plans	18,260	$ 21	18,239
Stock-based compensation expense	122,811		122,811
Net income	327,947				327,947
Other comprehensive income (loss), net of taxes	(1,276)			(1,276)
Dividends declared per common share of $0.15	(52,316)				(52,316)
Balance, shares at Jun. 30, 2014		348,928,000
Balance at Jun. 30, 2014	$ 3,102,258	$ 3,489	1,550,513	(4,129)	1,552,385
Balance, shares at Dec. 31, 2014	348,977,625	348,978,000
Balance at Dec. 31, 2014	$ 3,558,349	$ 3,490	1,560,519	3,553	1,990,787
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock issued in connection with employee incentive compensation plans, shares		8,806,000
Stock issued in connection with employee incentive compensation plans	113,326	$ 88	113,238
Stock-based compensation expense	7,473		7,473
Tax sharing with affiliate	867		867
Net income	574,714				574,714
Other comprehensive income (loss), net of taxes	$ (9,279)			(9,279)
Balance, shares at Jun. 30, 2015	357,783,809	357,784,000
Balance at Jun. 30, 2015	$ 4,245,450	$ 3,578	$ 1,682,097	$ (5,726)	$ 2,565,501

CONDENSED CONSOLIDATED STATEME7

CONDENSED CONSOLIDATED STATEMENTS OF EQUITY (Unaudited) (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Statement of Stockholders' Equity [Abstract]
Dividends declared per common share (in usd per share)	$ 0	$ 0.15	$ 0	$ 0.15

CONDENSED CONSOLIDATED STATEME8

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Cash flows from operating activities:
Net income	$ 574,714	$ 327,947
Adjustments to reconcile net income to net cash provided by operating activities
Derivative mark to market	(4,424)	(8,112)
Provision for credit losses	1,344,716	1,287,730
Depreciation and amortization	606,397	335,902
Accretion of discount, net of amortization of capitalized origination costs	(485,192)	(403,654)
Originations and purchases of receivables held for sale	(2,238,753)	(2,385,913)
Proceeds from sales of and collections on receivables held for sale	1,694,575	2,376,818
Investment gains, net	(107,914)	(57,416)
Stock-based compensation	7,473	122,811
Deferred tax expense (benefit)	65,863	(13,027)
Changes in assets and liabilities:
Accrued interest receivable	(36,004)	(59,825)
Accounts receivable	(7,738)	(11,125)
Federal income tax and other taxes	314,980	438,373
Other assets	7,179	(21,774)
Accrued interest payable	4,373	3,017
Other liabilities	104,349	(899)
Due to/from affiliates	(3,341)	(22,036)
Net cash provided by operating activities	1,841,253	1,908,817
Cash flows from investing activities:
Originations of and disbursements on finance receivables held for investment	(9,320,752)	(7,896,090)
Collections on finance receivables held for investment	5,227,885	4,632,029
Proceeds from sale of loans held for investment	1,290,304	776,746
Leased vehicles purchased	(2,563,185)	(2,491,092)
Manufacturer incentives received	490,481	499,500
Proceeds from sale of leased vehicles	1,460,792	366,471
Change in revolving personal loans	(128,837)	(87,217)
Purchases of furniture and equipment	(11,583)	(11,543)
Sales of furniture and equipment	310	885
Change in restricted cash	(1,165,372)	(444,333)
Other investing activities	(3,182)	(22,979)
Net cash used in investing activities	(4,723,139)	(4,677,623)
Cash flows from financing activities:
Proceeds from notes payable related to secured structured financings — net of debt issuance costs	7,975,856	7,717,856
Payments on notes payable related to secured structured financings	(5,364,799)	(4,526,678)
Proceeds from unsecured notes payable	3,905,000	2,407,533
Payments on unsecured notes payable	(3,335,000)	(2,807,016)
Proceeds from notes payable	13,305,175	12,684,871
Payments on notes payable	(13,695,166)	(12,622,210)
Proceeds from stock option exercises, gross	86,123	14,625
Repurchase of stock - employee tax withholding	(430)	(5,908)
Dividends paid	0	(52,316)
Cash collateral received (paid) on derivatives	856	(6,569)
Net cash provided by financing activities	2,877,615	2,804,188
Net increase (decrease) in cash and cash equivalents	(4,271)	35,382
Cash — Beginning of period	33,157	10,531
Cash — End of period	28,886	45,913
Noncash investing and financing transactions:
Transfer of retail installment contracts to repossessed vehicles	$ 828,517	$ 725,377

Description of Business, Basis

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices	6 Months Ended
	Jun. 30, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices	Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices Santander Consumer USA Holdings Inc., a Delaware Corporation (together with its subsidiaries, “SCUSA” or “the Company”), is the holding company for Santander Consumer USA Inc., an Illinois corporation, and subsidiaries, a specialized consumer finance company focused on vehicle finance and personal lending products. The Company’s primary business is the indirect origination of retail installment contracts principally through manufacturer-franchised dealers in connection with their sale of new and used vehicles to retail consumers. In conjunction with the Chrysler Agreement, a ten -year private label financing agreement with Chrysler Group that became effective May 1, 2013, the Company offers a full spectrum of auto financing products and services to Chrysler customers and dealers under the Chrysler Capital brand. These products and services include consumer retail installment contracts and leases, as well as dealer loans for inventory, construction, real estate, working capital and revolving lines of credit. The Company also originates vehicle loans through a web-based direct lending program, purchases vehicle retail installment contracts from other lenders, and services automobile and recreational and marine vehicle portfolios for other lenders. Additionally, the Company has several relationships through which it provides personal loans, private label credit cards and other consumer finance products. As of June 30, 2015 , the Company was owned approximately 59.0% by SHUSA, a subsidiary of Santander, approximately 31.1% by public shareholders, approximately 9.8% by DDFS LLC, an entity affiliated with Thomas G. Dundon, the Company’s then-Chairman and CEO and approximately 0.1% by other holders, primarily members of senior management. Pursuant to a Separation Agreement with Mr. Dundon, SHUSA was deemed to have delivered, as of July 3, 2015, an irrevocable notice to exercise the call option with respect to all the shares of Company common stock owned by DDFS LLC and consummate the transactions contemplated by the call option notice, subject to required bank regulatory approvals and any other approvals required by law being obtained (see Note 16). Basis of Presentation The accompanying condensed consolidated financial statements include the accounts of the Company and its subsidiaries, including certain Trusts, which are considered VIEs. The Company also consolidates other VIEs for which it was deemed to be the primary beneficiary. All intercompany balances and transactions have been eliminated in consolidation. The accompanying condensed consolidated financial statements as of June 30, 2015 and December 31, 2014 , and for the three and six months ended June 30, 2015 and 2014 , have been prepared in accordance with U.S. GAAP for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, these financial statements contain all adjustments, consisting of normal recurring adjustments, necessary to present fairly the financial position, results of operations and cash flows for the periods indicated. Results of operations for the periods presented herein are not necessarily indicative of results of operations for the entire year. These financial statements should be read in conjunction with the Company’s Annual Report on Form 10-K for the year ended December 31, 2014 , filed on March 2, 2015 . Certain prior year amounts have been reclassified to conform to current year presentation; specifically, retail installment contracts held for investment, personal loans, receivables from dealers, and capital lease receivables, which previously were reported as separate line items in the condensed consolidated balance sheet, now are reported in aggregate in the condensed consolidated balance sheet as finance receivables held for investment, with disclosure of the components in Note 2 – Finance Receivables and Note 3 – Leases. Additionally, related-party assets and liabilities, which previously were disclosed separately within certain line items in the condensed consolidated balance sheet, are now reported as separate line items in the condensed consolidated balance sheet. The classification of related-party assets and liabilities reported in the condensed consolidated balance sheets as of June 30, 2015 and December 31, 2014 is as follows: Related-Party Assets and Liabilities Classification as of June 30, 2015 December 31, 2014 Related party taxes receivable Federal, state and other income taxes receivable Due from affiliates Other assets Notes payable – related party Notes payable – credit facilities Related party taxes payable Federal, state and other income taxes payable Due to affiliates Accrued interest payable Accounts payable and accrued expenses The reclassifications in the condensed consolidated balance sheets also are reflected in the corresponding categories in the condensed consolidated statements of cash flows. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosures of contingent assets and liabilities as of the date of the financial statements and the amount of revenue and expenses during the reporting periods. Actual results could differ from those estimates and those differences may be material. These estimates include the determination of credit loss allowance, discount accretion, impairment, expected end-of-term lease residual values, values of repossessed assets, and income taxes. These estimates, although based on actual historical trends and modeling, may potentially show significant variances over time. Business Segment Information The Company has one reportable segment: Consumer Finance, which includes the Company’s vehicle financial products and services, including retail installment contracts, vehicle leases, and dealer loans, as well as financial products and services related to motorcycles, recreational vehicles, and marine vehicles. It also includes the Company’s personal loan and point-of-sale financing operations. Recently Adopted Accounting Standards In June 2014, the FASB issued ASU 2014-11, Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures. The standard requires entities to account for repurchase-to-maturity transactions as secured borrowings, eliminates accounting guidance on linked repurchase financing transactions, and expands disclosure requirements related to certain transfers of financial assets that are accounted for as secured borrowings. This guidance became effective for the Company January 1, 2015 and implementation did not have a significant impact on the Company’s financial position, results of operations, or cash flows. Recent Accounting Pronouncements In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers, which provides guidance on a single comprehensive model for entities to use in accounting for revenue arising from contracts with customers. This guidance is effective for fiscal years beginning after December 15, 2017. The Company does not expect the adoption to have a material impact to the condensed consolidated financial statements. In June 2014, the FASB issued ASU 2014-12, Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could be Achieved after the Requisite Service Period. This standard affects entities that issue share-based payments when the terms of an award stipulate that a performance target could be achieved after an employee completes the requisite service period. This guidance is effective for fiscal years beginning after December 15, 2015. The Company is currently evaluating the impact of the adoption on its condensed consolidated financial statements. In January 2015, the FASB issued ASU 2015-01, Income Statement - Extraordinary and Unusual Items. This standard simplifies income statement classification by removing the concept of extraordinary items from U.S. GAAP, and as a result, items that are both unusual and infrequent no longer will be separately reported net of tax after continuing operations. This guidance is effective for periods beginning after December 15, 2015. The Company does not expect the adoption to have a material impact to the condensed consolidated financial statements. In February 2015, the FASB issued ASU 2015-02, Consolidation: Amendments to the Consolidation Analysis. This ASU changes the analysis that a reporting entity must perform to determine whether it should consolidate certain types of legal entities. This guidance is effective for periods beginning after December 15, 2015. The Company is in the process of evaluating the impacts of the adoption of this ASU. In April 2015, the FASB issued ASU 2015-03, Imputation of Interest . This ASU requires that debt issuance costs, as well as discounts arising from the imputation of interest, be recorded as part of the basis of the related note, rather than as a separate asset or liability. The guidance should be applied retrospectively and will be effective for fiscal years beginning after December 31, 2015. The Company does not expect the adoption to have a material impact to the condensed consolidated financial statements.

Finance Receivables

Finance Receivables	6 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
Finance Receivables	Finance Receivables Finance receivables held for investment includes individually acquired retail installment contracts and loans, purchased receivables portfolios, and capital leases (see Note 3). The Company's portfolio of individually acquired retail installment contracts and loans held for investment was comprised of the following at June 30, 2015 and December 31, 2014 : June 30, 2015 Retail Installment Contracts Receivables from Personal Loans Unpaid principal balance $ 26,027,676 $ 91,612 $ 2,261,726 Credit loss allowance (Note 4) (3,129,646 ) (968 ) (384,735 ) Discount (609,045 ) — (2,012 ) Capitalized origination costs and fees 44,504 — 1,488 Net carrying balance $ 22,333,489 $ 90,644 $ 1,876,467 December 31, 2014 Retail Installment Contracts Receivables from Personal Loans Unpaid principal balance $ 24,555,106 $ 100,164 $ 2,128,769 Credit loss allowance (Note 4) (2,726,338 ) (674 ) (348,660 ) Discount (597,862 ) — (1,356 ) Capitalized origination costs and fees 39,680 — 1,024 Net carrying balance $ 21,270,586 $ 99,490 $ 1,779,777 Purchased receivables portfolios, which were acquired with deteriorated credit quality, were comprised of the following at June 30, 2015 and December 31, 2014 : June 30, 2015 December 31, 2014 Unpaid principal balance $ 513,262 $ 846,355 Outstanding recorded investment $ 547,032 $ 873,134 Less: Impairment (179,903 ) (189,275 ) Outstanding recorded investment, net of impairment $ 367,129 $ 683,859 As of June 30, 2015 , retail installment contracts held for sale and receivables from dealers held for sale totaled $1,569,404 and $1,012 , respectively. As of December 31, 2014 , retail installment contracts and receivables from dealers held for sale totaled $45,424 and $1,161 , respectively. Sales of retail installment contracts for the three and six months ended June 30, 2015 included principal balance amounts of $2,016,675 and $2,935,753 , respectively. Sales of retail installment contracts for the three and six months ended June 30, 2014 included principal balance amounts of $1,384,174 and $3,069,898 , respectively. The Company retains servicing of sold retail installment contracts and was servicing $8,583,906 and $7,372,884 as of June 30, 2015 and December 31, 2014 , respectively, of contracts sold to unrelated third parties. Proceeds from sales of charged-off assets for the three and six months ended June 30, 2015 were $65,587 and $103,963 , respectively. Proceeds from sales of charged-off assets for the three and six months ended June 30, 2014 were zero and $1,687 , respectively. Retail installment contracts are collateralized by vehicle titles, and the Company has the right to repossess the vehicle in the event the consumer defaults on the payment terms of the contract. Most of the Company’s retail installment contracts held for investment are pledged against warehouse facilities or securitization bonds (Note 5). Most of the creditors on the Company’s retail installment contracts are retail consumers; however, $955,225 and $816,100 of the unpaid principal balance represented fleet contracts with commercial borrowers as of June 30, 2015 and December 31, 2014 , respectively. Borrowers on the Company’s retail installment contracts held for investment are located in Texas ( 17% ), Florida ( 12% ), California ( 9% ), Georgia ( 5% ) and other states each individually representing less than 5% of the Company’s total. Receivables from dealers held for investment includes a term loan with a third-party vehicle dealer and lender that operates in multiple states. The loan allowed committed borrowings of $50,000 at June 30, 2015 and December 31, 2014 , and the unpaid principal balance of the facility was $50,000 at each of those dates. The term loan will mature on December 31, 2018. The remaining receivables from dealers held for investment are all Chrysler-related. Borrowers on these Chrysler dealer receivables are located in Ohio ( 37% ), Virginia ( 26% ), California ( 16% ), New York ( 11% ), and other states each individually representing less than 5% of the Company’s total. Borrowers on the Company’s personal loans are located in California ( 11% ), Texas ( 8% ), New York ( 8% ), Florida ( 7% ), and other states each individually representing less than 5% of the Company’s total. Changes in accretable yield on the Company’s purchased receivables portfolios for the periods indicated were as follows: For the Three Months Ended For the Six Months Ended June 30, 2015 June 30, 2014 June 30, 2015 June 30, 2014 Balance — beginning of period $ 243,655 $ 362,823 $ 264,416 $ 403,400 Accretion of accretable yield (20,969 ) (52,519 ) (47,874 ) (117,565 ) Reclassifications from (to) nonaccretable difference 15,686 (5,050 ) 21,830 19,419 Balance — end of period $ 238,372 $ 305,254 $ 238,372 $ 305,254 During the three and six months ended June 30, 2015 and 2014 , the Company did not acquire any vehicle loan portfolios for which it was probable at acquisition that not all contractually required payments would be collected.

Leases

Leases	6 Months Ended
	Jun. 30, 2015
Leases [Abstract]
Leases	Leases The Company has both operating and capital leases, which are separately accounted for and recorded on the Company's condensed consolidated balance sheets. Operating leases are reported as leased vehicles, net, while capital leases are included in finance receivables held for investment, net. Operating Leases Leased vehicles, net, which is comprised of leases originated under the Chrysler Agreement, consisted of the following as of June 30, 2015 and December 31, 2014 : June 30, December 31, Leased vehicles $ 6,957,870 $ 6,309,096 Less: accumulated depreciation (1,099,586 ) (804,629 ) Depreciated net capitalized cost 5,858,284 5,504,467 Manufacturer subvention payments (678,861 ) (645,874 ) Origination fees and other costs 10,481 4,190 Net book value $ 5,189,904 $ 4,862,783 During the three and six months ended June 30, 2015, the Company executed bulk sales of Chrysler Capital leases with an aggregate depreciated net capitalized cost of $755,624 and $1,316,958 , respectively, and a net book value of $666,252 and $1,155,171 , respectively, to a third party. The bulk sales agreements included certain provisions whereby the Company agreed to share in residual losses for lease terminations with losses over a specific percentage threshold (see Note 10). SCUSA retained servicing on the sold leases. Due to the accelerated depreciation permitted for tax purposes, these sales generated large taxable gains that the Company has deferred through a qualified like-kind exchange program. In order to qualify for this deferral, the proceeds from the sales (along with the proceeds from recent lease terminations for which the Company also intends to defer the taxable gain) are held in a qualified exchange account, which is classified as restricted cash, until reinvested in new lease originations. The following summarizes the future minimum rental payments due to the Company as lessor under operating leases as of June 30, 2015 : Remainder of 2015 $ 477,980 2016 856,944 2017 484,780 2018 110,367 2019 416 Thereafter 33 Total $ 1,930,520 Capital Leases Certain leases originated by the Company are accounted for as capital leases, as the contractual residual values are nominal amounts. Capital lease receivables, net consisted of the following as of June 30, 2015 and December 31, 2014 : June 30, December 31, Gross investment in capital leases $ 196,948 $ 137,543 Origination fees and other 158 78 Less unearned income (70,954 ) (46,193 ) Net investment in capital leases before allowance 126,152 91,428 Less: allowance for lease losses (15,570 ) (9,589 ) Net investment in capital leases $ 110,582 $ 81,839 The following summarizes the future minimum lease payments due to the Company as lessor under capital leases as of June 30, 2015 : Remainder of 2015 $ 25,257 2016 50,513 2017 50,460 2018 49,396 2019 21,322 Thereafter — Total $ 196,948

Credit Loss Allowance and Credi

Credit Loss Allowance and Credit Quality	6 Months Ended
	Jun. 30, 2015
Loans and Leases Receivable, Allowance [Abstract]
Credit Loss Allowance and Credit Quality	Credit Loss Allowance and Credit Quality Credit Loss Allowance The Company estimates credit losses on individually acquired retail installment contracts and personal loans held for investment based on delinquency status, historical loss experience, estimated values of underlying collateral, when applicable, and various economic factors. The Company maintains a general credit loss allowance for receivables from dealers based on risk ratings, and individually evaluates the loans for specific impairment as necessary. The credit loss allowance for receivables from dealers is comprised entirely of general allowances as none of these receivables have been determined to be individually impaired. The activity in the credit loss allowance for individually acquired loans for the three and six months ended June 30, 2015 and 2014 was as follows: Three Months Ended June 30, 2015 Three Months Ended June 30, 2014 Retail Installment Receivables Personal Loans Retail Installment Receivables Personal Loans Balance — beginning of period $ 2,822,712 $ 1,130 $ 352,878 $ 2,444,552 $ 1,035 $ 203,190 Provision for credit losses 613,823 (162 ) 121,118 527,362 (112 ) 70,212 Charge-offs (835,283 ) — (97,218 ) (700,965 ) — (66,966 ) Recoveries 528,394 — 7,957 397,638 — 6,518 Balance — end of period $ 3,129,646 $ 968 $ 384,735 $ 2,668,587 $ 923 $ 212,954 Six Months Ended June 30, 2015 Six Months Ended June 30, 2014 Retail Installment Receivables Personal Loans Retail Installment Contracts Acquired Individually Receivables from Dealers Held for Investment Personal Loans Balance — beginning of period $ 2,726,338 $ 674 $ 348,660 $ 2,132,634 $ 1,090 $ 179,350 Provision for credit losses 1,120,971 294 218,821 1,184,068 (167 ) 132,341 Charge-offs (1,762,276 ) — (196,908 ) (1,453,530 ) — (107,914 ) Recoveries 1,071,730 — 14,162 805,415 — 9,177 Transfers to held for sale (27,117 ) — — — — — Balance — end of period $ 3,129,646 $ 968 $ 384,735 $ 2,668,587 $ 923 $ 212,954 The impairment activity related to purchased receivables portfolios for the three and six months ended June 30, 2015 and 2014 was as follows: Three Months Ended Six Months Ended 2015 2014 2015 2014 Balance — beginning of period $ 184,173 $ 206,170 $ 189,275 $ 226,356 Incremental provisions for purchased receivables portfolios — 350 300 1,675 Incremental reversal of provisions for purchased receivables portfolios (4,270 ) (8,676 ) (9,672 ) (30,187 ) Balance — end of period $ 179,903 $ 197,844 $ 179,903 $ 197,844 The Company estimates lease losses on the capital lease receivable portfolio based on delinquency status, loss experience to date, and consideration of similarity between this portfolio and individually acquired retail installment contracts as well as various economic factors. The activity in the lease loss allowance for capital leases for the three and six months ended June 30, 2015 was as follows: Three Months Ended Six Months Ended Balance — beginning of period $ 15,182 $ 9,589 Provision for lease losses 8,226 14,002 Charge-offs (17,393 ) (19,390 ) Recoveries 9,555 11,369 Balance — end of period $ 15,570 $ 15,570 Delinquencies Retail installment contracts and personal amortizing term loans are classified as non-performing when they are greater than 60 days past due as to contractual principal or interest payments. Dealer receivables are classified as non-performing when they are greater than 90 days past due. At the time a loan is placed in non-performing status, previously accrued and uncollected interest is reversed against interest income. If an account is returned to a performing status, the Company returns to accruing interest on the contract. The accrual of interest on revolving personal loans continues until the loan is charged off. A summary of delinquencies as of June 30, 2015 and December 31, 2014 is as follows: June 30, 2015 Retail Installment Contracts Held for Investment Personal Loans Loans Acquired Individually Purchased Receivables Portfolios Total Principal, 31-60 days past due $ 2,010,352 $ 55,663 $ 2,066,015 $ 57,285 Delinquent principal over 60 days 869,190 29,886 899,076 153,485 Total delinquent principal $ 2,879,542 $ 85,549 $ 2,965,091 $ 210,770 December 31, 2014 Retail Installment Contracts Held for Investment Personal Loans Acquired Individually Purchased Receivables Portfolios Total Principal, 31-60 days past due $ 2,319,203 $ 131,634 $ 2,450,837 $ 52,452 Delinquent principal over 60 days 1,030,580 72,473 1,103,053 138,400 Total delinquent principal $ 3,349,783 $ 204,107 $ 3,553,890 $ 190,852 The balances in the above tables reflect total unpaid principal rather than net investment before allowance; the difference is considered insignificant. As of June 30, 2015 and December 31, 2014 , no receivables from dealers were 31 days or more delinquent. As of June 30, 2015 and December 31, 2014 , there were no receivables from dealers or finance receivables held for sale that were non-performing. Delinquencies on the capital lease portfolio, which began in 2014, were immaterial as of June 30, 2015 and December 31, 2014 . FICO ® Distribution — A summary of the credit risk profile of the Company’s consumer loans by FICO ® distribution, determined at origination, as of June 30, 2015 and December 31, 2014 was as follows: June 30, 2015 FICO ® Band Retail Installment Contracts Held for Investment (a) Personal Loans (b) <540 29.0% 3.3% 540-599 35.8% 18.7% 600-639 20.5% 21.4% >640 14.7% 56.6% December 31, 2014 FICO ® Band Retail Installment Contracts Held for Investment (a) Personal Loans (b) <540 26.4% 3.3% 540-599 32.6% 20.1% 600-639 20.5% 21.4% >640 20.5% 55.2% (a) Unpaid principal balance excluded from the FICO ® distribution is $3,915,014 and $2,945,297 as of June 30, 2015 and December 31, 2014 , respectively, as the borrowers on these loans did not have FICO ® scores at origination. (b) Unpaid principal balance excluded from the FICO ® distribution is an insignificant amount of loans to borrowers that did not have FICO scores at origination. Commercial Lending Credit Quality Indicators — The credit quality of receivables from dealers, which are considered commercial loans, is summarized according to standard regulatory classifications as follows: Pass — Asset is well-protected by the current net worth and paying capacity of the obligor or guarantors, if any, or by the fair value less costs to acquire and sell any underlying collateral in a timely manner. Special Mention — Asset has potential weaknesses that deserve management’s close attention, which, if left uncorrected, may result in deterioration of the repayment prospects for an asset at some future date. Special Mention assets are not adversely classified. Substandard — Asset is inadequately protected by the current net worth and paying capacity of the obligor or by the collateral pledged, if any. A well-defined weakness or weaknesses exist that jeopardize the liquidation of the debt. The loans are characterized by the distinct possibility that the Company will sustain some loss if deficiencies are not corrected. Doubtful — Exhibits the inherent weaknesses of a substandard credit. Additional characteristics exist that make collection or liquidation in full highly questionable and improbable, on the basis of currently known facts, conditions and values. Possibility of loss is extremely high, but because of certain important and reasonable specific pending factors which may work to the advantage and strengthening of the credit, an estimated loss cannot yet be determined. Loss — Credit is considered uncollectible and of such little value that it does not warrant consideration as an active asset. There may be some recovery or salvage value, but there is doubt as to whether, how much or when the recovery would occur. As discussed in Note 2, the Company has $955,225 of fleet retail installment contracts with commercial borrowers. The Company's risk department performs a commercial analysis and classifies certain loans over an internal threshold based on the classifications above. As of June 30, 2015 , $1,010 of fleet loans were classified as Special Mention; the remaining fleet portfolio borrowers with balances over the classification threshold all were classified as Pass. Commercial loan credit quality indicators for receivables from dealers held for investment as of June 30, 2015 and December 31, 2014 were as follows: June 30, December 31, Pass $ 89,603 $ 97,903 Special Mention 2,009 2,261 Substandard — — Doubtful — — Loss — — Unpaid principal balance $ 91,612 $ 100,164 Troubled Debt Restructurings In certain circumstances, the Company modifies the terms of its finance receivables to troubled borrowers. Modifications may include a reduction in interest rate, an extension of the maturity date, rescheduling of future cash flows, or a combination thereof. A modification of finance receivable terms is considered a TDR if the Company grants a concession to a borrower for economic or legal reasons related to the debtor’s financial difficulties that would not otherwise have been considered. Management considers TDRs to include all individually acquired retail installment contracts that have been modified at least once, deferred for a period of 90 days or more, or deferred at least twice. Additionally, restructurings through bankruptcy proceedings are deemed to be TDRs. For personal loans, restructurings due to credit counseling or hardship also are considered TDRs. The purchased receivables portfolio and operating and capital leases are excluded from the scope of the applicable guidance. As of June 30, 2015 and December 31, 2014 , there were no receivables from dealers classified as a TDR. The table below presents the Company’s TDRs as of June 30, 2015 and December 31, 2014 : June 30, 2015 December 31, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Outstanding recorded investment $ 5,044,546 $ 18,286 $ 4,207,037 $ 17,356 Impairment (967,994 ) (7,315 ) (797,240 ) (6,939 ) Outstanding recorded investment, net of impairment $ 4,076,552 $ 10,971 $ 3,409,797 $ 10,417 A summary of the Company’s delinquent TDRs at June 30, 2015 and December 31, 2014 , is as follows: June 30, 2015 December 31, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Principal, 31-60 days past due $ 936,525 $ 1,608 $ 929,095 $ 1,595 Delinquent principal over 60 days 465,523 4,515 515,235 5,131 Total delinquent TDR principal $ 1,402,048 $ 6,123 $ 1,444,330 $ 6,726 A loan that has been classified as a TDR remains so until the loan is liquidated through payoff or charge-off. Consistent with other of the Company’s retail installment contracts, TDRs are placed on nonaccrual status when the account becomes past due more than 60 days, and returns to accrual status when the account is 60 days or less past due. Average recorded investment and income recognized on TDR loans are as follows: Three Months Ended June 30, 2015 June 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Average outstanding recorded investment in TDRs $ 4,830,381 $ 17,774 $ 2,979,944 $ 14,570 Interest income recognized $ 189,914 $ 629 $ 112,138 $ 391 Six Months Ended June 30, 2015 June 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Average outstanding recorded investment in TDRs $ 4,622,600 $ 17,634 $ 2,856,348 $ 12,510 Interest income recognized $ 386,890 $ 1,218 $ 232,589 $ 720 TDR Impact on Allowance for Credit Losses For loans not classified as TDRs, the Company generally estimates an appropriate allowance for credit losses based on delinquency status, the Company’s historical loss experience, estimated values of underlying collateral, and various economic factors. Once a loan has been classified as a TDR, it is assessed for impairment based on the present value of expected future cash flows discounted at the loan's original effective interest rate considering all available evidence. The following table summarizes the financial effects of TDRs that occurred during the three and six months ended June 30, 2015 and 2014 : Three Months Ended June 30, 2015 June 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Outstanding recorded investment before TDR $ 987,190 $ 4,384 $ 743,664 $ 4,637 Outstanding recorded investment after TDR $ 983,128 $ 4,364 $ 699,158 $ 4,573 Number of contracts 59,191 3,671 44,524 4,116 Six Months Ended June 30, 2015 June 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Outstanding recorded investment before TDR $ 1,862,999 $ 9,778 $ 1,367,673 $ 6,748 Outstanding recorded investment after TDR $ 1,857,499 $ 9,720 $ 1,280,211 $ 6,667 Number of contracts 111,510 8,139 83,753 6,135 A TDR is considered to have subsequently defaulted upon charge off, which for retail installment contracts is at the earlier of the date of repossession or 120 days past due and for revolving personal loans is generally the month in which the receivable becomes 180 days past due. Loan restructurings accounted for as TDRs within the previous twelve months that subsequently defaulted during the three and six months ended June 30, 2015 and 2014 are summarized in the following table: Three Months Ended June 30, 2015 June 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Recorded investment in TDRs that subsequently defaulted $ 213,991 $ 1,790 $ 70,811 (a) Number of contracts 15,392 1,603 7,234 (a) Six Months Ended June 30, 2015 June 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Recorded investment in TDRs that subsequently defaulted $ 372,509 $ 3,201 $ 120,275 (a) Number of contracts 27,046 3,014 13,123 (a) (a) Subsequent defaults on personal loan TDRs were insignificant for the three and six months ended June 30, 2014.

Debt

Debt	6 Months Ended
	Jun. 30, 2015
Debt Disclosure [Abstract]
Debt	Debt Revolving Credit Facilities The following table presents information regarding credit facilities as of June 30, 2015 and December 31, 2014 : June 30, 2015 Maturity Date(s) Utilized Balance Committed Amount Effective Rate Assets Pledged Restricted Cash Pledged Warehouse line June 2016 $ 343,021 $ 500,000 1.17% $ 515,668 $ — Warehouse line (a) Various 794,139 1,249,670 1.31% 1,180,412 31,154 Warehouse line (b) June 2016 1,612,229 4,300,000 1.13% 2,351,770 61,775 Warehouse line December 2016 1,230,177 2,500,000 1.17% 1,812,763 48,238 Warehouse line (c) July 2015 — 500,000 — — — Warehouse line (d) September 2015 101,480 200,000 2.52% 160,197 3,249 Repurchase facility (e) December 2015 876,605 876,605 1.76% — 41,369 Warehouse line March 2017 588,599 750,000 0.94% 885,384 15,324 Warehouse line (f) November 2016 175,000 175,000 1.74% — 6,625 Warehouse line (d) October 2016 41,087 250,000 4.60% 63,529 2,635 Warehouse line (f) November 2016 250,000 250,000 1.73% — 1,486 Total facilities with third parties 6,012,337 11,551,275 6,969,723 211,855 Lines of credit with Santander and related subsidiaries (g): Line of credit December 2016 500,000 500,000 2.49% — — Line of credit December 2018 — 500,000 — — — Line of credit December 2016 1,750,000 1,750,000 2.40% — — Line of credit December 2018 1,710,000 1,750,000 2.82% — — Line of credit March 2017 300,000 300,000 1.74% — — Total facilities with Santander and related subsidiaries 4,260,000 4,800,000 — — Total revolving credit facilities $ 10,272,337 $ 16,351,275 $ 6,969,723 $ 211,855 (a) Half of the outstanding balance on this facility matures in March 2016 and half matures in March 2017. (b) This line is held exclusively for Chrysler Capital retail loan and lease financing. On August 7, 2015, this facility was amended into two facilities, one with a $1,260,000 commitment for retail loan funding and the other with a $2,940,000 commitment for lease funding. Both facilities have a maturity date of August 2017. (c) This facility was terminated upon maturity on July 17, 2015. (d) These lines are held exclusively for personal term loans. (e) The repurchase facility is collateralized by securitization notes payable retained by the Company. This facility has rolling 30 -day and 90 -day maturities. (f) These lines are collateralized by residuals retained by the Company. (g) These lines are also collateralized by securitization notes payable and residuals retained by the Company. As of June 30, 2015 and December 31, 2014 , $2,797,230 and $2,152,625 , respectively, of the aggregate outstanding balances on these facilities were unsecured. December 31, 2014 Maturity Date(s) Utilized Balance Committed Amount Effective Rate Assets Pledged Restricted Cash Pledged Warehouse line June 2015 $ 243,736 $ 500,000 1.17% $ 344,822 $ — Warehouse line Various 397,452 1,244,318 1.26% 589,529 20,661 Warehouse line June 2016 2,201,511 4,300,000 0.98% 3,249,263 65,414 Warehouse line June 2016 1,051,777 2,500,000 1.06% 1,481,135 28,316 Warehouse line July 2015 — 500,000 — — — Warehouse line September 2015 199,980 200,000 1.96% 351,755 13,169 Repurchase facility Various 923,225 923,225 1.63% — 34,184 Warehouse line December 2015 468,565 750,000 0.93% 641,709 16,467 Warehouse line November 2016 175,000 175,000 1.71% — — Warehouse line October 2016 240,487 250,000 2.02% 299,195 17,143 Warehouse line November 2016 250,000 250,000 1.71% — 2,500 Warehouse line March 2015 250,594 250,594 0.98% — — Total facilities with third parties 6,402,327 11,843,137 6,957,408 197,854 Lines of credit with Santander and related subsidiaries: Line of credit December 2016 500,000 500,000 2.46% 1,340 — Line of credit December 2018 — 500,000 — — — Line of credit December 2016 1,750,000 1,750,000 2.33% — — Line of credit December 2018 1,140,000 1,750,000 2.85% 9,701 — Line of credit March 2017 300,000 300,000 1.71% — — Total facilities with Santander and related subsidiaries 3,690,000 4,800,000 11,041 — Total revolving credit facilities $ 10,092,327 $ 16,643,137 $ 6,968,449 $ 197,854 Facilities with Third Parties The warehouse lines and repurchase facility are fully collateralized by a designated portion of the Company’s retail installment contracts (Note 2), leased vehicles (Note 3), securitization notes payables and residuals retained by the Company. Lines of Credit with Santander and Related Subsidiaries Through its New York branch, Santander provides the Company with $4,500,000 of long-term committed revolving credit facilities. Through SHUSA, under an agreement entered into on March 6, 2014, Santander provides the Company with an additional $300,000 of committed revolving credit, collateralized by residuals retained on its own securitizations. The facilities offered through the New York branch are structured as three - and five -year floating rate facilities, with current maturity dates of December 31, 2016 and December 31, 2018 , respectively. Santander has the option to continue to renew the term of these facilities annually going forward, thereby maintaining the three- and five-year maturities. These facilities currently permit unsecured borrowing but generally are collateralized by retail installment contracts and retained residuals. Any secured balances outstanding under the facilities at the time of their maturity will amortize to match the maturities and expected cash flows of the corresponding collateral. Secured Structured Financings The following table presents information regarding secured structured financings as of June 30, 2015 and December 31, 2014 : June 30, 2015 Original Estimated Maturity Date(s) Balance Initial Note Amounts Issued Initial Weighted Average Interest Rate Collateral Restricted Cash 2011 Securitizations (a) February 2017 - September 2017 $ 276,588 $ 2,860,320 1.41%-2.02% $ 417,353 $ 88,404 2012 Securitizations (a) November 2017 - December 2018 1,659,405 8,023,840 0.92%-1.68% 2,293,938 300,050 2013 Securitizations January 2019 - January 2021 2,656,337 6,689,700 0.89%-1.59% 3,336,520 304,549 2014 Securitizations (a) August 2018 - January 2021 3,983,728 6,800,420 1.16%-1.72% 4,958,150 372,680 2015 Securitizations (b) September 2019 - July 2022 4,981,886 5,394,002 1.33%-2.07% 5,909,912 338,632 Public securitizations (c) 13,557,944 29,768,282 16,915,873 1,404,315 2010 Private issuances (d) June 2011 138,894 516,000 1.29% 269,972 7,988 2011 Private issuances (e) December 2018 554,188 1,700,000 1.46% 1,023,579 48,168 2012 Private issuances May 2016 330 70,308 1.07% 6,848 573 2013 Private issuances (f) September 2018-September 2020 2,619,086 2,693,754 1.13%-1.38% 3,787,493 145,727 2014 Private issuances March 2018 - December 2021 2,069,420 3,271,175 1.05%-1.40% 2,855,681 107,362 2015 Private issuances November 2018 - May 2020 1,400,503 1,493,750 0.88%-1.62% 1,845,042 71,782 Privately issued amortizing notes 6,782,421 9,744,987 9,788,615 381,600 Total secured structured financings $ 20,340,365 $ 39,513,269 $ 26,704,488 $ 1,785,915 (a) In July 2015, the Company sold the residuals and retained bonds on public issuances originally executed in 2011, 2012, & 2014. (b) In July 2015, the Company executed a securitization, issuing an additional $664,730 in Notes. In addition, this includes a series of subordinate bond transactions on the SDART platform to fund residual interests from existing securitizations. (c) Securitizations executed under Rule 144A of the Securities Act are included within this balance. (d) This securitization was most recently amended in May 2015 to extend the maturity date to May 2016. (e) In July 2015, the Company advanced an additional $487,000 on private issuances originally executed in 2011. (f) In May 2015, the Company advanced an additional $500,000 on private issuances originally executed in 2013. December 31, 2014 Original Estimated Maturity Date(s) Balance Initial Note Amounts Issued Initial Weighted Average Interest Rate Collateral Restricted Cash 2010 Securitizations November 2017 $ 81,907 $ 1,632,420 1.04% $ 234,706 $ 58,740 2011 Securitizations June 2016 - September 2017 421,315 3,536,550 1.21%-2.80% 699,875 115,962 2012 Securitizations November 2017 - December 2018 2,296,687 8,023,840 0.92%-1.68% 3,006,426 318,373 2013 Securitizations January 2019 - January 2021 3,426,242 6,689,700 0.89%-1.59% 4,231,006 320,182 2014 Securitizations August 2018 - January 2021 5,211,346 6,800,420 1.16%-1.72% 6,173,229 370,790 Public securitizations (a) 11,437,497 26,682,930 14,345,242 1,184,047 2010 Private issuances June 2011 172,652 516,000 1.29% 303,361 8,009 2011 Private issuances December 2018 859,309 1,700,000 1.46%-1.80% 1,316,903 52,524 2012 Private issuances May 2016 5,682 70,308 1.07% 11,760 1,086 2013 Private issuances September 2018 - September 2020 2,629,278 2,693,754 1.13%-1.38% 3,703,685 98,063 2014 Private issuances November 2015 - December 2021 2,614,556 3,519,049 1.05%-1.85% 3,779,288 121,356 Privately issued amortizing notes 6,281,477 8,499,111 9,114,997 281,038 Total secured structured financings $ 17,718,974 $ 35,182,041 $ 23,460,239 $ 1,465,085 (a) Securitizations executed under Rule 144A of the Securities Act are included within this balance. Most of the Company’s secured structured financings are in the form of public, SEC-registered securitizations. The Company also executes private securitizations under Rule 144A of the Securities Act and periodically issues private term amortizing notes, which are structured similarly to securitizations but are acquired by banks and conduits. The Company’s securitizations and private issuances are collateralized by vehicle retail installment contracts and loans or leases. Unamortized debt issuance costs are amortized as interest expense over the terms of the related notes payable using a method that approximates the effective interest method. For securitizations, the term takes into consideration the expected execution of the contractual call option, if applicable. Amortization of premium or accretion of discount on acquired notes payable is also included in interest expense using a method that approximates the effective interest method over the estimated remaining life of the acquired notes. Total interest expense on secured structured financings for the three months ended June 30, 2015 and 2014 was $ 70,328 and $57,217 , respectively. Total interest expense on secured structured financings for the six months ended June 30, 2015 and 2014 was $131,180 and $117,079 , respectively.

Variable Interest Entities

Variable Interest Entities	6 Months Ended
	Jun. 30, 2015
Variable Interest Entity Disclosure [Abstract]
Variable Interest Entities	Variable Interest Entities The Company transfers retail installment contracts and leased vehicles into newly formed Trusts that then issue one or more classes of notes payable backed by the collateral. The Company’s continuing involvement with these Trusts is in the form of servicing the assets and, except for the Chrysler Capital securitizations, through holding residual interests in the Trusts. These transactions are structured without recourse. The Trusts are considered VIEs under U.S. GAAP and, except for Chrysler Capital securitizations, are consolidated because the Company has: (a) power over the significant activities of each entity as servicer of its financial assets and (b) through the residual interest and in some cases debt securities held by the Company, an obligation to absorb losses or the right to receive benefits from each VIE which are potentially significant to the VIE. The Company does not retain any debt or equity interests in its Chrysler Capital securitizations, and records these transactions as sales of the associated retail installment contracts. Revolving credit facilities generally also utilize Trusts that are considered VIEs. The collateral, borrowings under credit facilities and securitization notes payable of the Company's consolidated VIEs remain on the condensed consolidated balance sheets. The Company recognizes finance charges and fee income on the retail installment contracts and leased vehicles and interest expense on the debt, and records a provision for credit losses to cover probable inherent losses on the contracts. All of the Trusts are separate legal entities and the collateral and other assets held by these subsidiaries are legally owned by them and are not available to other creditors. The Company also uses a titling trust to originate and hold its leased vehicles and the associated leases, in order to facilitate the pledging of leases to financing facilities or the sale of leases to other parties without incurring the costs and administrative burden of retitling the leased vehicles. This titling trust is considered a VIE. On-balance sheet variable interest entities The following table summarizes the assets and liabilities related to VIEs included in the Company’s condensed consolidated financial statements: June 30, December 31, Restricted cash $ 1,977,229 $ 1,626,257 Finance receivables held for sale 1,546,393 18,712 Finance receivables held for investment, net 23,012,380 21,366,121 Leased vehicles, net 5,189,904 4,862,783 Various other assets 586,420 1,283,281 Notes payable 31,048,462 27,796,999 Various other liabilities 8,980 — Certain amounts shown above are greater than the amounts shown in the corresponding line items in the accompanying condensed consolidated balance sheets due to intercompany eliminations between the VIEs and other entities consolidated by the Company. For example, for most of its securitizations, the Company retains one or more of the lowest tranches of bonds. Rather than showing investment in bonds as an asset and the associated debt as a liability, these amounts are eliminated in consolidation as required by U.S. GAAP. The Company retains servicing for receivables transferred to the Trusts and receives a monthly servicing fee on the outstanding principal balance. Supplemental fees, such as late charges, for servicing the receivables are reflected in fees, commissions and other income. As of June 30, 2015 and December 31, 2014 , the Company was servicing $27,360,458 and $24,611,624 , respectively, of gross retail installment contracts that have been transferred to consolidated Trusts. The remainder of the Company’s retail installment contracts remain unpledged. A summary of the cash flows received from consolidated securitization trusts during the three and six months ended June 30, 2015 and 2014 , is as follows: Three Months Ended Six Months Ended June 30, 2015 June 30, 2014 June 30, 2015 June 30, 2014 Assets securitized $ 5,255,516 $ 5,051,048 $ 9,237,371 $ 8,367,295 Net proceeds from new securitizations (a) $ 4,426,263 $ 4,707,336 $ 7,487,125 $ 7,441,429 Cash received for servicing fees (b) 172,854 153,514 332,656 299,285 Cash received upon release from reserved and restricted cash accounts (b) — 60 — 810 Net distributions from Trusts (b) 416,201 384,093 716,688 710,812 Total cash received from Trusts $ 5,015,318 $ 5,245,003 $ 8,536,469 $ 8,452,336 (a) Includes additional advances on existing securitizations. (b) These amounts are not reflected in the accompanying condensed consolidated statements of cash flows because the cash flows are between the VIEs and other entities included in the consolidation. Off-balance sheet variable interest entities The Company has completed sales to VIEs that met sale accounting treatment in accordance with the applicable guidance. Due to the nature, purpose, and activity of the transactions, the Company determined for consolidation purposes that it either does not hold potentially significant variable interests or is not the primary beneficiary as a result of the Company's limited further involvement with the financial assets. For such transactions, the transferred financial assets are removed from the Company's condensed consolidated balance sheets. In certain situations, the Company remains the servicer of the financial assets and receives servicing fees that represent adequate compensation. The Company also recognizes a gain or loss for the difference between the cash proceeds and carrying value of the assets sold. During the three and six months ended June 30, 2015, the Company sold $768,561 of gross retail installment contracts to a VIE in an off-balance sheet securitization. During the six months ended June 30, 2014 , the Company sold $774,183 of gross retail installment contracts to a VIE in an off-balance sheet securitization. During the three months ended June 30, 2014 , the Company executed no off-balance sheet securitizations. As of June 30, 2015 and December 31, 2014 , the Company was servicing $2,429,141 and $2,157,808 , respectively, of gross retail installment contracts that have been sold in these and other off-balance sheet Chrysler Capital securitizations. Other than repurchases of sold assets due to standard representations and warranties, the Company has no exposure to loss as a result of its involvement with these VIEs. A summary of the cash flows received from off-balance sheet securitization trusts during the three and six months ended June 30, 2015 and 2014 is as follows: Three Months Ended Six Months Ended June 30, 2015 June 30, 2014 June 30, 2015 June 30, 2014 Receivables securitized $ 768,561 $ — $ 768,561 $ 774,183 Net proceeds from new securitizations $ 785,983 $ — $ 785,983 $ 765,327 Cash received for servicing fees 6,319 4,184 11,623 6,972 Total cash received from securitization trusts $ 792,302 $ 4,184 $ 797,606 $ 772,299

Derivative Financial Instrument

Derivative Financial Instruments	6 Months Ended
	Jun. 30, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	Derivative Financial Instruments The Company manages its exposure to changing interest rates using derivative financial instruments. In certain circumstances, the Company is required to hedge its interest rate risk on its secured structured financings and the borrowings under its revolving credit facilities. The Company uses both interest rate swaps and interest rate caps to satisfy these requirements and to hedge the variability of cash flows on securities issued by securitization Trusts and borrowings under the Company's warehouse lines of credit. Certain of the Company’s interest rate swap agreements are designated as cash flow hedges for accounting purposes. Changes in the fair value of derivatives designated as cash flow hedges are recorded as a component of accumulated other comprehensive income (AOCI), to the extent that the hedge relationships are effective, and amounts are reclassified from AOCI to earnings as the forecasted transactions impact earnings. The Company’s remaining interest rate swap agreements, as well as its interest rate cap agreements, the corresponding options written in order to offset the interest rate cap agreements, and a total return swap, are not designated as hedges for accounting purposes. Changes in the fair value of derivative instruments not designated as hedges for accounting purposes are reflected in earnings as a component of interest expense. The underlying notional amounts and aggregate fair values of these agreements at June 30, 2015 and December 31, 2014 , were as follows: June 30, 2015 December 31, 2014 Notional Fair Value Notional Fair Value Interest rate swap agreements designated as cash flow hedges $ 8,895,000 $ (11,080 ) $ 8,020,000 $ 3,827 Interest rate swap agreements not designated as hedges 3,128,000 (9,322 ) 3,206,000 (12,175 ) Interest rate cap agreements 8,002,020 29,423 7,541,385 49,762 Options for interest rate cap agreements 8,002,020 (29,446 ) 7,541,385 (49,806 ) Total return swap — — 250,594 (1,736 ) See Note 13 for additional disclosure of fair value and balance sheet location of the Company's derivative financial instruments. In March 2014, the Company entered into a financing arrangement with a third party whereby the Company pledged certain bonds retained in its own securitizations in exchange for $250,594 in cash. In conjunction with the financing arrangement, the Company entered into a total return swap related to the bonds as an effective avenue to monetize the Company’s retained bonds as a source of financing. This arrangement matured and was terminated in May 2015. The Company is the holder of a warrant that gives it the right, if certain vesting conditions are satisfied, to purchase additional shares in a company in which it has a cost method investment. This warrant was issued in 2012 and is carried at its estimated fair value of zero at June 30, 2015 and December 31, 2014 . The Company enters into legally enforceable master netting agreements that reduce risk by permitting netting of transactions, such as derivatives and collateral posting, with the same counterparty on the occurrence of certain events. A master netting agreement allows two counterparties the ability to net-settle amounts under all contracts, including any related collateral posted, through a single payment. The right to offset and certain terms regarding the collateral process, such as valuation, credit events and settlement, are contained in ISDA master agreements. Information on the offsetting of derivative assets and derivative liabilities due to the right of offset was as follows, as of June 30, 2015 and December 31, 2014 : Offsetting of Financial Assets Gross Amounts Not Offset in the Gross Gross Amounts Net Amounts of Assets Presented Financial Cash Net June 30, 2015 Interest rate swaps - Santander & affiliates $ 910 $ — $ 910 $ — $ — $ 910 Interest rate swaps - third party 1,211 — 1,211 — — 1,211 Interest rate caps - Santander & affiliates 19,049 — 19,049 — — 19,049 Interest rate caps - third party 10,373 — 10,373 — — 10,373 Total derivatives subject to a master netting arrangement or similar arrangement 31,543 — 31,543 — — 31,543 Total derivatives not subject to a master netting arrangement or similar arrangement — — — — — — Total derivative assets $ 31,543 $ — $ 31,543 $ — $ — $ 31,543 Total financial assets $ 31,543 $ — $ 31,543 $ — $ — $ 31,543 December 31, 2014 Interest rate swaps - Santander & affiliates $ 5,208 $ — $ 5,208 $ — $ — $ 5,208 Interest rate swaps - third party 2,946 — 2,946 — — 2,946 Interest rate caps - Santander & affiliates 35,602 — 35,602 — — 35,602 Interest rate caps - third party 14,160 — 14,160 — — 14,160 Total derivatives subject to a master netting arrangement or similar arrangement 57,916 — 57,916 — — 57,916 Total derivatives not subject to a master netting arrangement or similar arrangement — — — — — — Total derivative assets $ 57,916 $ — $ 57,916 $ — $ — $ 57,916 Total financial assets $ 57,916 $ — $ 57,916 $ — $ — $ 57,916 Offsetting of Financial Liabilities Gross Amounts Not Offset in the Gross Gross Amounts Net Amounts of Liabilities Presented Financial Cash Net June 30, 2015 Interest rate swaps - Santander & affiliates $ 17,124 $ (11,408 ) $ 5,716 $ — $ — $ 5,716 Interest rate swaps - third party 5,398 (5,398 ) — — — — Back to back - Santander & affiliates 19,049 (19,049 ) — — — — Back to back - third party 10,397 (10,397 ) — — — — Total derivatives subject to a master netting arrangement or similar arrangement 51,968 (46,252 ) 5,716 — — 5,716 Total return swap — — — — — — Total derivatives not subject to a master netting arrangement or similar arrangement — — — — — — Total derivative liabilities $ 51,968 $ (46,252 ) $ 5,716 $ — $ — $ 5,716 Total financial liabilities $ 51,968 $ (46,252 ) $ 5,716 $ — $ — $ 5,716 December 31, 2014 Interest rate swaps - Santander & affiliates $ 15,783 $ (4,308 ) $ 11,475 $ — $ — $ 11,475 Interest rate swaps - third party 719 (191 ) 528 — — 528 Back to back - Santander & affiliates 35,602 (35,602 ) — — — — Back to back - third party 14,204 (14,204 ) — — — — Total derivatives subject to a master netting arrangement or similar arrangement 66,308 (54,305 ) 12,003 — — 12,003 Total return swap 1,736 (1,736 ) — — — — Total derivatives not subject to a master netting arrangement or similar arrangement 1,736 (1,736 ) — — — — Total derivative liabilities $ 68,044 $ (56,041 ) $ 12,003 $ — $ — $ 12,003 Total financial liabilities $ 68,044 $ (56,041 ) $ 12,003 $ — $ — $ 12,003 The gross gains (losses) reclassified from accumulated other comprehensive income (loss) to net income, and gains (losses) recognized in net income, are included as components of interest expense. The impacts on the condensed consolidated statements of income and comprehensive income for the three and six months ended June 30, 2015 and 2014 were as follows: Three Months Ended Three Months Ended Gains (Losses) Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income (Loss) Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income to Interest Expense Gains (Losses) Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income (Loss) Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income to Interest Expense Interest rate swap agreements designated as cash flow hedges $ — $ (5,640 ) $ (11,266 ) $ (47 ) $ (7,246 ) $ (1,931 ) Derivative instruments not designated as hedges $ 6,852 $ 3,199 Six Months Ended Six Months Ended Gains (Losses) Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income (Loss) Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income to Interest Expense Gains (Losses) Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income (Loss) Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income to Interest Expense Interest rate swap agreements designated as cash flow hedges $ 223 $ (37,176 ) $ (22,337 ) $ 91 $ (6,592 ) $ (4,595 ) Derivative instruments not designated as hedges $ 4,423 $ 8,388 The ineffectiveness related to the interest rate swap agreements designated as cash flow hedges was insignificant for the three and six months ended June 30, 2015 and 2014 .

Other Assets

Other Assets	6 Months Ended
	Jun. 30, 2015
Other Assets [Abstract]
Other Assets	Other Assets Other assets were comprised as follows: June 30, December 31, Upfront fee (a) $ 117,500 $ 125,000 Vehicles (b) 177,226 134,926 Manufacturer subvention payments receivable (a) 116,480 70,213 Accounts receivable 26,178 18,440 Prepaids 34,768 35,906 Derivative assets (Note 7) 11,584 17,106 Other 2,619 1,825 Total other assets $ 486,355 $ 403,416 (a) These amounts relate to the Chrysler Agreement. The Company paid a $150,000 upfront fee upon the May 2013 inception of the agreement. The fee is being amortized into finance and other interest income over a ten -year term. As the preferred financing provider for Chrysler, the Company is entitled to subvention payments on loans and leases with below-market customer payments. (b) Includes vehicles obtained through repossession as well as vehicles obtained due to lease terminations.

Income Taxes

Income Taxes	6 Months Ended
	Jun. 30, 2015
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The Company recorded income tax expense of $161,230 ( 36.1% effective tax rate) and $302,656 ( 34.5% effective tax rate) during the three and six months ended June 30, 2015 , respectively. The Company recorded income tax expense of $143,643 ( 36.8% effective tax rate) and $191,684 ( 36.9% effective tax rate) during the three and six months ended June 30, 2014 , respectively. The decrease in effective tax rate year over year is primarily due to discrete adjustments related to stock compensation, state rate changes due to geographic earnings mix, and laws guiding state apportionment. The Company is a party to a tax sharing agreement requiring that the unitary state tax liability among affiliates included in unitary state tax returns be allocated using the hypothetical separate company tax calculation method. At June 30, 2015 and December 31, 2014 , the Company had a net receivable from affiliates under the tax sharing agreement of zero and $459 , respectively, which was included in related party taxes receivable in the condensed consolidated balance sheets. Significant judgment is required in evaluating and reserving for uncertain tax positions. Although management believes adequate reserves have been established for all uncertain tax positions, the final outcomes of these matters may differ. Management does not believe the outcome of any uncertain tax position, individually or combined, will have a material effect on the results of operations. The reserve for uncertain tax positions, as well as associated penalties and interest, is a component of the income tax provision.

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
	Jun. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies The Company is obligated to make purchase price holdback payments to a third-party originator of loans that it purchases on a periodic basis, when losses are lower than originally expected. SCUSA also is obligated to make total return settlement payments to this third-party originator in 2016 and 2017 if returns on the purchased pools are greater than originally expected. The Company has extended revolving lines of credit to certain auto dealers. Under this arrangement, the Company is committed to lend up to each dealer's established credit limit. Under terms of agreements with a peer-to-peer personal lending platform company, the Company has committed to purchase at least the lesser of $30,000 per month or 75% of the lending platform company’s "near-prime" (as that term is defined in the agreements) originations through July 2015, and the lesser of $30,000 per month or 50% of the lending platform company’s near-prime originations thereafter through July 2017. This commitment can be reduced or canceled with 90 days ’ notice. The Company committed to purchase certain new advances on personal revolving financings originated by a third party retailer, along with existing balances on accounts with new advances, for an initial term ending in April 2020 and renewing through April 2022 at the retailer's option. Each customer account generated under the agreements generally is approved with a credit limit higher than the amount of the initial purchase, with each subsequent purchase automatically approved as long as it does not cause the account to exceed its limit and the customer is in good standing. As these credit lines do not have a specified maturity, but rather can be terminated at any time in the event of adverse credit changes or lack of use, the Company has not recorded an allowance for unfunded commitments. As of June 30, 2015 and December 31, 2014 , the Company was obligated to purchase $7,922 and $7,706 , respectively, in receivables that had been originated by the retailer but not yet purchased by SCUSA. The Company also is required to make a profit-sharing payment to the retailer each month if performance exceeds a specified return threshold. Under terms of an application transfer agreement with an OEM, the Company has the first opportunity to review for its own portfolio any credit applications turned down by the OEM's captive finance company. The agreement does not require the Company to originate any loans, but for each loan originated the Company will pay the OEM a referral fee, comprised of a volume bonus fee and a loss betterment bonus fee. The loss betterment bonus fee will be calculated annually and is based on the amount by which losses on loans originated under the agreement are lower than an established percentage threshold. The Company has agreements with SBNA to service recreational and marine vehicle portfolios. These agreements call for a periodic retroactive adjustment, based on cumulative return performance, of the servicing fee to inception of the contract. There were downward adjustments of zero and $147 for the three and six months ended June 30, 2015 , respectively. There were upward adjustments of $1,329 and $3,249 for the three and six months ended June 30, 2014 , respectively. In connection with the sale of retail installment contracts through securitizations and other sales, the Company has made standard representations and warranties customary to the consumer finance industry. Violations of these representations and warranties may require the Company to repurchase loans previously sold to on- or off-balance sheet trusts or other third parties. As of June 30, 2015 , the Company had no repurchase requests outstanding. In the opinion of management, the potential exposure of other recourse obligations related to the Company’s retail installment contract sales agreements will not have a material adverse effect on the Company’s consolidated financial position, results of operations, or cash flows. Santander has provided guarantees on the covenants, agreements, and obligations of the Company under the governing documents of its warehouse facilities and privately issued amortizing notes. These guarantees are limited to the obligations of SCUSA as servicer. Under terms of the agreement with Chrysler, the Company must make revenue sharing payments to Chrysler and also must make gain-sharing payments when residual gains on leased vehicles exceed a specified threshold. The Company has a flow agreement with Bank of America whereby the Company is committed to sell up to $300,000 of eligible loans to the bank each month through May 2018 . The Company retains servicing on all sold loans and may receive or pay a servicer performance payment based on an agreed-upon formula if performance on the sold loans is better or worse, respectively, than expected performance at time of sale. The Company has sold loans to CBP under terms of a flow agreement and predecessor sale agreements. The Company retains servicing on the sold loans and will owe CBP a loss-sharing payment capped at 0.5% of the original pool balance if losses exceed a specified threshold, established on a pool-by-pool basis. On June 25, 2015, the Company executed an amendment to the servicing agreement with CBP, which increased the servicing fee the Company receives. The Company and CBP also amended the flow agreement which reduced, effective from and after August 1, 2015, CBP's committed purchases of Chrysler Capital prime loans from a maximum of $600,000 and a minimum of $250,000 per quarter to a maximum of $200,000 and a minimum of $50,000 per quarter, as may be adjusted according to the agreement. The Company provided SBNA with the first right to review and approve consumer vehicle lease applications, subject to volume constraints, under terms of a flow agreement that was terminated on May 9, 2015. The Company has indemnified SBNA for potential credit and residual losses on $48,226 of leases that had been originated by SBNA under this program but were subsequently determined not to meet SBNA’s underwriting requirements. This indemnification agreement is supported by an equal amount of cash collateral posted by the Company in an SBNA bank account. The collateral account balance is included in restricted cash in the Company's condensed consolidated balance sheets. The Company additionally has agreed to indemnify SBNA for residual losses, up to a cap, on certain leases originated under the flow agreement between September 24, 2014 and May 9, 2015 for which SBNA and the Company had differing residual value expectations at lease inception. In connection with the bulk sales of Chrysler Capital leases (Note 3), the Company is obligated to make quarterly payments to the purchaser sharing residual losses for lease terminations with losses over a specific percentage threshold. The estimated guarantee liability was $5,154 , net, as of June 30, 2015 . On March 31, 2015, the Company executed a forward flow asset sale agreement with a third party under terms of which the Company committed to sell charged off loan receivables in bankruptcy status for at least $200,000 in proceeds. The Company and the third party executed an amendment to the forward flow asset sale agreement on June 29, 2015 which increased the committed sales of charged off loan receivables in bankruptcy status to $275,000 . As of June 30, 2015, the remaining commitment was $216,380 . Legal and Regulatory Proceedings Periodically, the Company is party to or otherwise involved in various lawsuits and other legal proceedings that arise in the ordinary course of business. On August 26, 2014, a purported securities class action lawsuit was filed in the United States District Court, Southern District of New York (the "Steck Lawsuit"). On October 6, 2014, another purported securities class action lawsuit was filed in the District Court of Dallas County, Texas and was subsequently removed to the United States District Court, Northern District of Texas. Both lawsuits were filed against the Company, certain of its current and former directors and executive officers and certain institutions that served as underwriters in the Company's initial public offering. Each lawsuit was brought by a purported stockholder of the Company seeking to represent a class consisting of all those who purchased or otherwise acquired securities pursuant and/or traceable to SCUSA's Registration Statement and Prospectus issued in connection with the initial public offering. Each complaint alleged that the Registration Statement and Prospectus contained misleading statements concerning the Company’s auto lending business and underwriting practices. Each lawsuit asserted claims under Section 11 and Section 15 of the Securities Act of 1933 and seeks damages and other relief. In February 2015, the purported class action lawsuit pending in the United States District Court, Northern District of Texas, was voluntarily dismissed without prejudice. In June 2015, the venue of the Steck Lawsuit was transferred from the Southern District of New York to the Northern District of Texas. Further, the Company is party to or are otherwise involved periodically in reviews, investigations, and proceedings (both formal and informal), and information-gathering requests, by government and self-regulatory agencies, including the Federal Reserve, the CFPB, the DOJ, the SEC, the FTC and various state regulatory agencies. Currently, such proceedings include a civil subpoena from the DOJ under FIRREA requesting the production of documents and communications that, among other things, relate to the underwriting and securitization of nonprime auto loans since 2007. Additionally, on October 28, 2014, the Company received a preservation letter and request for documents from the Commission requesting the preservation and production of documents and communications that, among other things, relate to the underwriting and securitization of auto loans since January 1, 2011. The Company also has received civil subpoenas from various state Attorneys General requesting similar documents and communications. The Company is complying with the requests for information and document preservation. On February 25, 2015, the Company entered into a consent order with the DOJ, approved by the United States District Court for the Northern District of Texas, that resolves the DOJ's claims against the Company that certain of its repossession and collection activities during the period of time between January 2008 and February 2013 violated the SCRA. The consent order requires SCUSA to pay a civil fine in the amount of $55 , as well as at least $9,360 to affected service members consisting of $10 plus compensation for any lost equity (with interest) for each repossession by SCUSA and $5 for each instance where SCUSA sought to collect repossession-related fees on accounts where a repossession was conducted by a prior account holder, as well as requires the Company to undertake additional remedial measures. On July 31, 2015, the CFPB notified the Company that it had referred to the DOJ certain alleged violations by the Company of the ECOA regarding (i) statistical disparities in markups charged by automobile dealers to protected groups on loans originated by those dealers and purchased by the Company and (ii) the treatment of certain types of income in the Company's underwriting process. The Company does not believe that there are any proceedings, threatened or pending, that, if determined adversely, would have a material adverse effect on the consolidated financial position, results of operations, or liquidity of the Company.

Related-Party Transactions

Related-Party Transactions	6 Months Ended
	Jun. 30, 2015
Related Party Transactions [Abstract]
Related-Party Transactions	Related-Party Transactions Related-party transactions not otherwise disclosed in these footnotes to the condensed consolidated financial statements include the following: Interest expense, including unused fees, for affiliate lines/letters of credit for the three and six months ended June 30, 2015 and 2014 , was as follows: Three Months Ended Six Months Ended June 30, 2015 June 30, 2014 June 30, 2015 June 30, 2014 Line of credit agreement with Santander - New York Branch (Note 5) $ 26,151 $ 22,709 $ 51,635 $ 47,583 Line of credit agreement with SHUSA (Note 5) 1,313 1,299 2,603 1,662 Letter of credit facility with Santander - New York Branch — 126 — 251 Accrued interest for affiliate lines/letters of credit at June 30, 2015 and December 31, 2014 , was as follows: June 30, 2015 December 31, 2014 Line of credit agreement with Santander - New York Branch (Note 5) $ 7,676 $ 7,750 Line of credit agreement with SHUSA (Note 5) 232 242 Letter of credit facility with Santander - New York Branch — 128 The Company has derivative financial instruments with Santander and affiliates with outstanding notional amounts of $16,301,039 and $16,330,771 at June 30, 2015 and December 31, 2014 , respectively (Note 7). The Company had a collateral overage on derivative liabilities with Santander and affiliates of $39,656 and $32,118 at June 30, 2015 and December 31, 2014 , respectively. Interest expense on these agreements includes amounts totaling $14,986 and $12,702 for the three months ended June 30, 2015 and 2014 , respectively, and $32,228 and $21,583 for the six months ended June 30, 2015 and 2014 , respectively. Until October 1, 2014, the Company had an agreement with SBNA whereby the Company provided SBNA with the first right to review and assess Chrysler dealer lending opportunities and, if SBNA elected, to provide the proposed financing. The Company provided servicing on all loans originated under this arrangement and was eligible to receive a servicer performance payment based on performance of the serviced loans. The Company also provided servicing on dealer loans sold to SBNA that were not subject to the servicer performance payment. Servicing fee income recognized on receivables from dealers sold to SBNA or originated by SBNA totaled $3,033 and $4,298 for the three and six months ended June 30, 2014 , including $1,259 and $1,723 in servicer performance payments. Effective October 1, 2014, the origination and servicing agreements were terminated and replaced with revised agreements requiring SCUSA to permit SBNA first right to review and assess Chrysler Capital dealer lending opportunities and requiring SBNA to pay SCUSA a Relationship Management Fee based upon the performance and yields of Chrysler Capital dealer loans held by SBNA. As of June 30, 2015 and December 31, 2014 , the Company had relationship management fees receivable from SBNA of $458 and $450 , respectively. The Company recognized $1,448 and $3,071 of relationship management fee income for the three and six months ended June 30, 2015 , respectively. These agreements also transferred the servicing of all Chrysler Capital receivables from dealers, including receivables held by SBNA and by SCUSA, from SCUSA to SBNA. Servicing fee expense under this new agreement totaled $84 and $170 for the three and six months ended June 30, 2015 , respectively. As of June 30, 2015 and December 31, 2014 , the Company had $27 and $28 , respectively, of servicing fees payable to SBNA. Under our exclusive relationship with Chrysler, the Company may provide advance funding to Chrysler for dealer loans originated by SBNA, which is reimbursed to the Company by SBNA. The Company had a receivable from SBNA for $7,637 and zero as of June 30, 2015 and December 31, 2014 , respectively, for such advances. Under an agreement with SBNA, the Company may originate retail consumer loans in connection with sales of vehicles that are collateral held against floorplan loans by SBNA. Upon origination, the Company remits payment to SBNA who settles the transaction with the dealer. As of June 30, 2015, the Company owed SBNA $2,078 related to such originations. The Company received a $9,000 referral fee in connection with the original arrangement and was amortizing the fee into income over the ten -year term of the agreement. The remaining balance of the referral fee SBNA paid to SCUSA in connection with the original sourcing and servicing agreement is considered a referral fee in connection with the new agreements and will continue to be amortized into income through the July 1, 2022 termination date of the new agreements. As of June 30, 2015 and December 31, 2014 , the unamortized fee balance was $7,200 and $7,650 , respectively. The Company recognized $225 and $450 of income related to the referral fee for each of the three and six months ended June 30, 2015 and 2014 , respectively. The Company also has agreements with SBNA to service auto retail installment contracts and recreational and marine vehicle portfolios. Servicing fee income recognized under these agreements totaled $689 and $5,784 for the three months ended June 30, 2015 and 2014 , respectively, and $2,633 and $6,649 for the six months ended June 30, 2015 and 2014 , respectively. Other information on the serviced auto loan and retail installment contract portfolios for SBNA as of June 30, 2015 and December 31, 2014 is as follows: June 30, December 31, Total serviced portfolio $ 788,509 $ 896,300 Cash collections due to owner 22,232 21,415 Servicing fees receivable 1,829 2,171 Until May 9, 2015, the Company was party to a flow agreement with SBNA whereby SBNA had the first right to review and approve Chrysler Capital consumer vehicle lease applications. SCUSA could review any applications declined by SBNA for the Company’s own portfolio. The Company provides servicing and received an origination fee on all leases originated under this agreement. Pursuant to the Chrysler Agreement, the Company pays Chrysler on behalf of SBNA for residual gains and losses on the flowed leases. The Company also services leases it sold to SBNA in 2014. Origination fee income recognized under the agreement totaled $2,807 and $6,937 for the three months ended June 30, 2015 and 2014 , respectively, and $8,431 and $10,622 for the six months ended June 30, 2015 and 2014 , respectively. Servicing fee income recognized on leases serviced for SBNA totaled $1,854 and $535 for the three months ended June 30, 2015 and 2014 , respectively, and $3,311 and $629 for the six months ended June 30, 2015 and 2014 , respectively. Other information on the consumer vehicle lease portfolio serviced for SBNA as of June 30, 2015 and December 31, 2014 is as follows: June 30, December 31, Total serviced portfolio $ 2,438,294 $ 1,989,967 Cash collections due to owner 7 1 Lease fundings due from owner — 3,365 Origination and servicing fees receivable 673 10,345 Revenue share reimbursement receivable 4,584 1,694 On June 30, 2014, the Company entered into an indemnification agreement with SBNA whereby SCUSA indemnifies SBNA for any credit or residual losses on a pool of $48,226 in leases originated under the flow agreement. The covered leases are non-conforming units because they did not meet SBNA’s credit criteria at origination. At time of the agreement, SCUSA established a $48,226 collateral account with SBNA in restricted cash that will be released over time to SBNA, in the case of losses, and SCUSA, in the case of payments and sale proceeds. As of June 30, 2015 and December 31, 2014 , the balance in the collateral account was $40,506 and $44,805 , respectively. For the three and six months ended June 30, 2015 the Company recognized an indemnification expense of $2,576 and had recorded a liability of $2,127 related to the residual losses covered under the agreement. The Company periodically sells loan and lease contracts to affiliates under certain agreements. Although no such sales occurred during the three and six months ended June 30, 2015, the Company sold leases with a depreciated net capitalized cost of $369,114 for a gain of $5,576 for the three and six months ended June 30, 2014. Produban Servicios Informaticos Generales S.L., a Santander affiliate, is under contract with the Company to provide professional services, telecommunications, and internal and/or external applications. Expenses incurred, which are included as a component of data processing, communications and other expenses, totaled $21 and $22 for the three months ended June 30, 2015 and 2014 , respectively, and $123 and $75 for the six months ended June 30, 2015 and 2014 , respectively. The Company is party to an MSA with a company in which it has a cost method investment of $6,000 and holds a warrant to increase its ownership if certain vesting conditions are satisfied. The MSA enables SCUSA to review credit applications of retail store customers. Under terms of the MSA, the Company originated personal revolving loans of $10,662 and $2,207 during the three months ended June 30, 2015 and 2014 , respectively, and $18,288 and $2,911 during the six months ended June 30, 2015 and 2014 , respectively. During the three and six months ended June 30, 2015 , the Company paid certain expenses incurred by the Company's then-Chairman and CEO in the operation of a private plane in which he owns a partial interest when used for SCUSA business within the contiguous 48 states. Under this practice, payment is based on a set flight time hourly rate, and the amount of reimbursement is not subject to a maximum cap per fiscal year. For the three months ended June 30, 2015 and 2014 , the Company paid $125 and $141 , respectively, to Meregrass, Inc., the company managing the plane's operations, with an average rate of $5.8 per hour. For the six months ended June 30, 2015 and 2014 , the Company paid $308 and $414 , respectively, to Meregrass, Inc., with an average hourly rate of $5.8 . As of June 30, 2015 , the Company's then-CEO and then-CFO, as well as a Santander employee who was a member of the SCUSA Board of Directors until the second quarter of 2015, each had a minority equity investment in a property in which the Company leases 373,000 square feet as its corporate headquarters. For the three months ended June 30, 2015 and 2014 , the Company paid $1,979 and $54 , respectively, in lease payments on this property. For the six months ended June 30, 2015 and 2014 , the Company paid $2,501 and $108 , respectively, in lease payments on this property. Future minimum lease payments for the 12 -year term of the lease total $81,054 . The Company is party to certain agreements with a third party retailer whereby the Company is committed to purchase receivables originated by the retailer for an initial term ending in April 2020 and renewable through April 2022 at the retailer's option. In November 2014, Capmark, a company of which affiliates of Centerbridge own an approximately 32% interest, acquired the retailer. Prior to SCUSA's IPO in January 2014, Centerbridge had a 7% indirect ownership interest in SCUSA. Immediately after the IPO, Centerbridge had an approximately 1% interest in SCUSA, which had decreased to less than 1% by December 31, 2014 and further decreased to zero in February 2015. Further, an individual that was a member of SCUSA's board of directors until July 15, 2015, is a member of Centerbridge management and also serves on the board of directors of Capmark. During the three and six months ended June 30, 2015 , the Company advanced $250,687 and $408,916 , respectively, to the retailer, and received $249,583 and $526,943 , respectively, in payments on receivables originated under its agreements with the retailer. At June 30, 2015 and December 31, 2014 , the Company had tax indemnification payments receivable of $5,472 and $5,504 , respectively, representing reimbursement of tax indemnification payments made to the original equity investors in two investment partnerships now owned by the Company. One of the equity investors, Centerbridge, also was an investor in SCUSA until February 2015, and both investors had representation on SCUSA's board until July 15, 2015. These payments are expected to be recovered through tax refunds passed through to the Company as the original investors recognize tax losses related to the investments.

Computation of Basic and Dilute

Computation of Basic and Diluted Earnings per Common Share	6 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings per Common Share	Computation of Basic and Diluted Earnings per Common Share Earnings per common share is computed using the two-class method required for participating securities. Restricted stock awards are considered to be participating securities because holders of such shares have non-forfeitable dividend rights in the event of a declaration of a dividend on the Company’s common shares. For the three and six months ended June 30, 2015 , the calculation of earnings per share excludes 48,800 and 1,307,113 employee stock option awards, respectively, as the effect of those securities would be anti-dilutive. Three Months Ended Six Months Ended 2015 2014 2015 2014 Earnings per common share Net income $ 285,464 $ 246,481 $ 574,714 $ 327,947 Weighted average number of common shares outstanding before restricted participating shares (in thousands) 354,625 348,243 351,806 347,882 Weighted average number of participating restricted common shares outstanding (in thousands) 467 584 467 584 Weighted average number of common shares outstanding (in thousands) 355,092 348,827 352,273 348,466 Earnings per common share $ 0.80 $ 0.71 $ 1.63 $ 0.94 Earnings per common share - assuming dilution Net income $ 285,464 $ 246,481 $ 574,714 $ 327,947 Weighted average number of common shares outstanding (in thousands) 355,092 348,827 352,273 348,466 Effect of employee stock-based awards (in thousands) 4,102 7,555 3,659 7,543 Weighted average number of common shares outstanding - assuming dilution (in thousands) 359,194 356,382 355,932 356,008 Earnings per common share - assuming dilution $ 0.79 $ 0.69 $ 1.61 $ 0.92

Fair Value of Financial Instrum

Fair Value of Financial Instruments	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments	Fair Value of Financial Instruments Fair value measurement requires that valuation techniques maximize the use of observable inputs and minimize the use of unobservable inputs and also establishes a fair value hierarchy that categorizes into three levels the inputs to valuation techniques used to measure fair value as follows: Level 1 inputs are quoted prices in active markets for identical assets or liabilities that can be accessed as of the measurement date. Active markets are those in which transactions for the asset or liability occur in sufficient frequency and volume to provide pricing information on an ongoing basis. Level 2 inputs are those other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets and quoted prices for identical or similar assets or liabilities in markets that are not active. Level 3 inputs are those that are unobservable for the asset or liability and are used to measure fair value to the extent relevant observable inputs are not available. Fair value estimates, methods, and assumptions are as follows: June 30, 2015 December 31, 2014 Level Carrying Estimated Carrying Estimated Cash and cash equivalents (a) 1 $ 28,886 $ 28,886 $ 33,157 $ 33,157 Receivables held for sale (b) 2 1,570,416 1,583,832 46,585 46,585 Finance receivables held for investment, net (c) 3 24,778,311 26,811,953 23,915,551 25,576,337 Restricted cash (a) 1 3,086,229 3,086,229 1,920,857 1,920,857 Notes payable — credit facilities (d) 3 6,012,337 6,012,337 6,402,327 6,402,327 Notes payable — secured structured financings (e) 2 20,340,365 20,449,462 17,718,974 17,810,062 Notes payable — related party (f) 3 4,260,000 4,260,000 3,690,000 3,690,000 (a) Cash and cash equivalents and restricted cash — The carrying amount of cash and cash equivalents, including restricted cash, is at an approximated fair value as the instruments mature within 90 days or less and bear interest at market rates. (b) Receivables held for sale — Receivables held for sale are carried at the lower of cost or market, as determined on an aggregate basis. The estimated fair value is based on the prices obtained or expected to be obtained in the subsequent sales usually in the following month. (c) Finance receivables held for investment, net — The carrying value and estimated fair value of finance receivables held for investment, net are reported at the aggregate carrying value and estimated fair value of the following financial instruments: • Retail installment contracts held for investment — Retail installment contracts held for investment are carried at amortized cost, net of credit loss allowance. The estimated fair value is calculated based on estimated market rates for similar contracts with similar credit risks. • Personal loans, net — Personal loans are carried at amortized cost, net of credit loss allowance. The estimated fair value is calculated based on estimated market rates for similar loans with similar credit risks. • Receivables from dealers held for investment, net — Receivables from dealers held for investment are carried at amortized cost, net of credit loss allowance. The estimated fair value is calculated based on estimated market rates for similar receivables with similar credit risks. • Capital lease receivables, net — Capital lease receivables are carried at amortized cost, net of the allowance for lease losses. The estimated fair value is calculated based on estimated market rates for similar contracts with similar credit risks. (d) Notes payable — credit facilities — The carrying amount of notes payable related to revolving credit facilities is estimated to approximate fair value. Management believes that the terms of these credit agreements approximate market terms for similar credit agreements. (e) Notes payable — secured structured financings — The estimated fair value of notes payable related to secured structured financings is calculated based on market quotes for the Company’s publicly traded debt and estimated market rates currently available from recent transactions involving similar debt with similar credit risks. (f) Notes payable — related party — The carrying amount of notes payable to a related party is estimated to approximate fair value. Management believes that the terms of these credit agreements approximate market terms for similar credit agreements. The following table presents the Company’s assets and liabilities that are measured at fair value on a recurring basis at June 30, 2015 and December 31, 2014 , and are categorized using the fair value hierarchy: Fair Value Measurements at June 30, 2015 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Other assets — trading interest rate caps (a) $ 10,373 $ — $ 10,373 $ — Due from affiliates — trading interest rate caps (a) 19,049 — 19,049 — Other assets — cash flow hedging interest rate swaps (a) 1,211 — 1,211 — Due from affiliates — cash flow hedging interest rate swaps (a) 113 — 113 — Due from affiliates — trading interest rate swaps (a) 797 — 797 — Due from affiliates — treasury bills 30,991 30,991 — — Other liabilities — trading options for interest rate caps (a) 10,397 — 10,397 — Due to affiliates — trading options for interest rate caps (a) 19,049 — 19,049 — Other liabilities — cash flow hedging interest rate swaps (a) 3,135 — 3,135 — Due to affiliates — cash flow hedging interest rate swaps (a) 9,270 — 9,270 — Other liabilities — trading interest rate swaps (a) 2,263 — 2,263 — Due to affiliates — trading interest rate swaps (a) 7,854 — 7,854 — Fair Value Measurements at December 31, 2014 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Other assets — trading interest rate caps (a) $ 14,160 $ — $ 14,160 $ — Due from affiliates — trading interest rate caps (a) 35,602 — 35,602 — Other assets — cash flow hedging interest rate swaps (a) 2,796 — 2,796 — Due from affiliates — cash flow hedging interest rate swaps (a) 4,823 — 4,823 — Other assets — trading interest rate swaps (a) 150 — 150 — Due from affiliates — trading interest rate swaps (a) 385 — 385 — Other liabilities — trading options for interest rate caps (a) 14,204 — 14,204 — Due to affiliates — trading options for interest rate caps (a) 35,602 — 35,602 — Other liabilities — cash flow hedging interest rate swaps (a) 476 — 476 — Due to affiliates — cash flow hedging interest rate swaps (a) 3,316 — 3,316 — Other liabilities — trading interest rate swaps (a) 243 — 243 — Due to affiliates — trading interest rate swaps (a) 12,467 — 12,467 — Other liabilities — total return swap (b) 1,736 — 1,736 — (a) The valuation of swaps and caps is determined using widely accepted valuation techniques including discounted cash flow analysis on the expected cash flows of each derivative. This analysis reflects the contractual terms of the derivative, including the period to maturity, and uses observable market-based inputs. The Company incorporates credit valuation adjustments to appropriately reflect both its own nonperformance risk and the respective counterparty’s nonperformance risk in the fair value measurement of its derivatives. In adjusting the fair value of its derivative contracts for the effect of nonperformance risk, the Company has considered the impact of netting and any applicable credit enhancements, such as collateral postings and guarantees. The Company utilizes the exception in ASC 820-10-35-18D (commonly referred to as the “portfolio exception”) with respect to measuring counterparty credit risk for instruments (Note 7). (b) The total return swap is valued based on the estimated market value of the underlying bonds pledged to the associated credit facility. There were no amounts transferred into or out of Level 3 during the three and six months ended June 30, 2015 and 2014 , respectively. The following table presents the Company’s assets and liabilities that are measured at fair value on a nonrecurring basis at June 30, 2015 and December 31, 2014 , and are categorized using the fair value hierarchy: Fair Value Measurements at June 30, 2015 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Other assets — vehicles $ 177,226 $ — $ 177,226 $ — Fair Value Measurements at December 31, 2014 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Other assets — vehicles $ 134,926 $ — $ 134,926 $ — The Company estimates the fair value of its vehicles, which are obtained either through repossession or lease termination, using historical auction rates and current market levels of used car prices.

Employee Benefit Plans

Employee Benefit Plans	6 Months Ended
	Jun. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Employee Benefit Plans	Employee Benefit Plans SCUSA Compensation Plan — Beginning in 2012, the Company granted stock options to certain executives, other employees, and independent directors under the MEP. The Plan was administered by the Board of Directors and enabled the Company to make stock awards up to a total of approximately 29 million common shares (net of shares canceled and forfeited), or 8.5% of the equity invested in the Company as of December 31, 2011. The MEP expired on January 31, 2015, and accordingly, no further awards will be made under this plan. In December 2013, the Board established the Omnibus Incentive Plan, which enables the Company to grant awards of nonqualified and incentive stock options, stock appreciation rights, restricted stock awards, restricted stock units and other awards that may be settled in or based upon the value of the Company's common stock up to a total of 5,192,640 common shares. Stock options granted have an exercise price based on the estimated fair market value of the Company’s common stock on the grant date. The stock options expire after ten years and include both time vesting options and performance vesting options. The fair value of the stock options is amortized into income over the vesting period as time and performance vesting conditions are met. Under the Management Shareholders Agreement entered into by certain employees, no shares obtained through exercise of stock options could be transferred until the later of December 31, 2016, and the Company’s execution of an IPO (the later date of which is referred to as the Lapse Date). Until the Lapse Date, if an employee were to leave the Company, the Company would have the right to repurchase any or all of the stock obtained by the employee through option exercise. If the employee were terminated for cause (as defined in the Plan) or voluntarily left the Company without good reason (as defined in the Plan), in each case, prior to the Lapse Date the repurchase price would be the lower of the strike price or fair market value at the date of repurchase. If the employee were terminated without cause or voluntarily left the Company with good reason, in each case, prior to the Lapse Date the repurchase price is the fair market value at the date of repurchase. Management believes the Company’s repurchase right caused the IPO event to constitute an implicit vesting condition and therefore did not record any stock compensation expense until the date of the IPO. On December 28, 2013, the Board approved certain changes to the Plan and the Management Shareholders Agreement, including acceleration of vesting for certain employees, removal of transfer restrictions for shares underlying a portion of the options outstanding under the Plan, and addition of transfer restrictions for shares underlying another portion of the outstanding options. All of the changes were contingent on, and effective upon, the Company’s execution of an IPO and, as such, became effective upon pricing of the IPO on January 22, 2014. Also, on December 28, 2013, the Company granted 583,890 shares of restricted stock to certain executives under terms of the Omnibus Incentive Plan. Compensation expense related to this restricted stock is recognized over a five -year vesting period, with $1,216 and $1,216 recorded for the six months ended June 30, 2015 and 2014 , respectively. On January 23, 2014, the Company executed an IPO, in which selling stockholders offered and sold to the public 85,242,042 shares of common stock at a price of $24.00 per share. The Company received no proceeds from the initial public offering. Stock-based compensation expense totaling $117,770 related to vested options was recognized upon the IPO, including expense related to accelerated vesting for certain executives of $33,845 . Also, in connection with the IPO, the Company granted additional stock options under the Plan to certain executives, other employees, and an independent director with an estimated compensation cost of $10,216 , which is being recognized over the awards' vesting period of five years for the employees and three years for the director. Additional stock option grants have been made during the six months ended June 30, 2015 to employees; the estimated compensation costs associated with these additional grants is $1,239 and will be recognized over the vesting periods of the awards. A summary of the Company’s stock options and related activity as of and for the six months ended June 30, 2015 is as follows: Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term (Years) Aggregate Intrinsic Value Options outstanding at January 1, 2015 21,357,911 $ 10.82 7.2 $ 187,637 Granted 161,244 23.27 — — Exercised (8,771,131 ) 9.86 — (121,923 ) Expired (15,197 ) 9.73 — — Forfeited (143,677 ) 14.47 — — Options outstanding at June 30, 2015 12,589,150 11.62 6.8 175,631 Options exercisable at June 30, 2015 8,391,322 10.29 6.6 128,261 In connection with compensation restrictions imposed on certain executive officers and other employees by the European Central Bank under the Capital Requirements Directive IV prudential rules, which require a portion of such officers' and employees' variable compensation to be paid in the form of equity, the Company granted RSUs in February and April 2015. A portion of the RSUs vested immediately upon grant, and a portion will vest annually over the next three years . In June 2015, as part of a separate long-term incentive plan, the Company granted certain officers RSUs that vest over a three -year period, with vesting dependent on Banco Santander performance over that time. After vesting, stock obtained through RSUs must be held for one year .

Shareholders' Equity

Shareholders' Equity	6 Months Ended
	Jun. 30, 2015
Equity [Abstract]
Shareholders' Equity	Shareholders' Equity Treasury Stock The Company had 52,141 shares of treasury stock outstanding with a cost of $983 as of June 30, 2015 and December 31, 2014 . Prior to the IPO, the Company repurchased 3,154 shares as a result of an employee leaving the company. Additionally, 48,987 shares were withheld in December 2014 to cover income taxes related to the vesting of RSUs awarded to certain executive officers. The value of the treasury stock is immaterial and included within additional paid-in-capital. Accumulated Other Comprehensive Income (Loss) A summary of changes in accumulated other comprehensive income (loss), net of tax, for the three and six months ended June 30, 2015 and 2014 is as follows: Three Months Ended Six Months Ended June 30, 2015 June 30, 2014 June 30, 2015 June 30, 2014 Beginning balance, unrealized gains (losses) on cash flow hedges $ (9,290 ) $ (765 ) $ 3,553 $ (2,853 ) Other comprehensive loss before reclassifications (3,458 ) (4,579 ) (23,249 ) (4,167 ) Amounts reclassified out of accumulated other comprehensive income (loss) (a) 7,022 1,215 13,970 2,891 Ending balance, unrealized losses on cash flow hedges $ (5,726 ) $ (4,129 ) $ (5,726 ) $ (4,129 ) (a) Amounts reclassified out of accumulated other comprehensive income (loss) during the three and six months ended June 30, 2015 and 2014 consist of the following: Three Months Ended June 30, 2015 Three Months Ended June 30, 2014 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges: Settlements of derivatives $ 11,266 Interest expense $ 1,931 Interest expense Tax benefit (4,244 ) (716 ) Net of tax $ 7,022 $ 1,215 Six Months Ended June 30, 2015 Six Months Ended June 30, 2014 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges: Settlements of derivatives $ 22,337 Interest expense $ 4,595 Interest expense Tax expense (benefit) (8,367 ) (1,704 ) Net of tax $ 13,970 $ 2,891 Dividend Restrictions The Dodd-Frank Act requires certain banks and bank holding companies, including SHUSA, to perform a stress test and submit a capital plan to the Federal Reserve on an annual basis. On March 11, 2015, the FRB informed SHUSA that, based on qualitative concerns, the FRB objected to SHUSA’s capital plan pursuant to CCAR that SHUSA had previously submitted to the FRB. This objection followed the FRB's objection to the capital plan submitted the previous year, following which objection SHUSA had entered into a written agreement with the FRB memorializing discussions under which, among other things, SHUSA is prohibited from allowing its non-wholly-owned nonbank subsidiaries, including the Company, to declare or pay any dividend, or to make any capital distribution, until such time as SHUSA has submitted to the FRB a capital plan and the FRB has issued a written non-objection to the plan, or the FRB otherwise issues its written non-objection to the proposed capital action. The Company will not pay any future dividends until such time as the FRB issues a written non-objection to a capital plan submitted by SHUSA or the FRB otherwise issues its written non-objection to the payment of a dividend by the Company.

Subsequent Events

Subsequent Events	6 Months Ended
	Jun. 30, 2015
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events Separation Agreement with Thomas G. Dundon On July 2, 2015, the Company announced the departure of Thomas G. Dundon from his roles as Chairman of the Board and Chief Executive Officer of the Company, effective as of the close of business on July 2, 2015. In connection with his departure, and subject to the terms and conditions of his Employment Agreement, including Mr. Dundon's execution of a release of claims against the Company, Mr. Dundon became entitled to receive certain payments and benefits under his Employment Agreement. Certain of the payments, agreements to make payments and benefits may be effective only upon receipt of certain required regulatory approvals. Additionally, the Separation Agreement confirms that, upon termination of his employment, Mr. Dundon’s unvested restricted stock awards vested in full in accordance with their terms, his outstanding stock options vested in full (to the extent they were previously unvested) and that all shares acquired upon the exercise of stock options awarded to Mr. Dundon in December 2011 or other awards previously restricted became freely transferable, subject to applicable regulatory approvals and applicable law. Mr. Dundon’s outstanding stock options will remain exercisable until the third anniversary of his resignation, and subject to certain time limitations, Mr. Dundon was permitted to exercise such options in whole, but not in part, and settle such options for a cash payment equal to the difference between the closing trading price of a share of Company common stock as of the date immediately preceding such exercise and the exercise price of such option. Mr. Dundon exercised this cash settlement option as of July 2, 2015. In addition, any service-based vesting requirements that were applicable to Mr. Dundon’s outstanding restricted stock units and deferred cash award in respect of his 2014 annual bonus were waived upon his termination of employment, and such awards will vest and be settled in accordance with the underlying award agreements. Mr. Dundon will serve as a consultant to the Company for twelve months from the date of the Separation Agreement at a mutually agreed rate, and will continue to serve as a Director on the Company’s Board. Pursuant to the Separation Agreement, SHUSA was deemed to have delivered as of July 3, 2015 an irrevocable notice to exercise a call option with respect to all the shares of Company common stock owned by DDFS and consummate the transactions contemplated by such call option notice, subject to required bank regulatory approvals and any other approvals required by law being obtained. Sale of Securitization Residuals On July 6, 2015, the Company settled a transaction to sell residual interests in certain SDART 2014 Trusts and its retained bonds in the related 2011 and 2012 vintage SDART Trusts to a third party. As of June 30, 2015 , retail installment contracts of $782,267 associated with these Trusts were classified as finance receivables held for sale.

Description of Business, Basi25

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices (Policies)	6 Months Ended
	Jun. 30, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation	Basis of Presentation The accompanying condensed consolidated financial statements include the accounts of the Company and its subsidiaries, including certain Trusts, which are considered VIEs. The Company also consolidates other VIEs for which it was deemed to be the primary beneficiary. All intercompany balances and transactions have been eliminated in consolidation. The accompanying condensed consolidated financial statements as of June 30, 2015 and December 31, 2014 , and for the three and six months ended June 30, 2015 and 2014 , have been prepared in accordance with U.S. GAAP for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, these financial statements contain all adjustments, consisting of normal recurring adjustments, necessary to present fairly the financial position, results of operations and cash flows for the periods indicated. Results of operations for the periods presented herein are not necessarily indicative of results of operations for the entire year. These financial statements should be read in conjunction with the Company’s Annual Report on Form 10-K for the year ended December 31, 2014 , filed on March 2, 2015 . Certain prior year amounts have been reclassified to conform to current year presentation; specifically, retail installment contracts held for investment, personal loans, receivables from dealers, and capital lease receivables, which previously were reported as separate line items in the condensed consolidated balance sheet, now are reported in aggregate in the condensed consolidated balance sheet as finance receivables held for investment, with disclosure of the components in Note 2 – Finance Receivables and Note 3 – Leases. Additionally, related-party assets and liabilities, which previously were disclosed separately within certain line items in the condensed consolidated balance sheet, are now reported as separate line items in the condensed consolidated balance sheet. The classification of related-party assets and liabilities reported in the condensed consolidated balance sheets as of June 30, 2015 and December 31, 2014 is as follows: Related-Party Assets and Liabilities Classification as of June 30, 2015 December 31, 2014 Related party taxes receivable Federal, state and other income taxes receivable Due from affiliates Other assets Notes payable – related party Notes payable – credit facilities Related party taxes payable Federal, state and other income taxes payable Due to affiliates Accrued interest payable Accounts payable and accrued expenses The reclassifications in the condensed consolidated balance sheets also are reflected in the corresponding categories in the condensed consolidated statements of cash flows. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosures of contingent assets and liabilities as of the date of the financial statements and the amount of revenue and expenses during the reporting periods. Actual results could differ from those estimates and those differences may be material. These estimates include the determination of credit loss allowance, discount accretion, impairment, expected end-of-term lease residual values, values of repossessed assets, and income taxes. These estimates, although based on actual historical trends and modeling, may potentially show significant variances over time.
Business Segment Information	Business Segment Information The Company has one reportable segment: Consumer Finance, which includes the Company’s vehicle financial products and services, including retail installment contracts, vehicle leases, and dealer loans, as well as financial products and services related to motorcycles, recreational vehicles, and marine vehicles. It also includes the Company’s personal loan and point-of-sale financing operations.
Recently Adopted Accounting Standards and Recent Accounting Pronouncements	Recently Adopted Accounting Standards In June 2014, the FASB issued ASU 2014-11, Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures. The standard requires entities to account for repurchase-to-maturity transactions as secured borrowings, eliminates accounting guidance on linked repurchase financing transactions, and expands disclosure requirements related to certain transfers of financial assets that are accounted for as secured borrowings. This guidance became effective for the Company January 1, 2015 and implementation did not have a significant impact on the Company’s financial position, results of operations, or cash flows. Recent Accounting Pronouncements In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers, which provides guidance on a single comprehensive model for entities to use in accounting for revenue arising from contracts with customers. This guidance is effective for fiscal years beginning after December 15, 2017. The Company does not expect the adoption to have a material impact to the condensed consolidated financial statements. In June 2014, the FASB issued ASU 2014-12, Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could be Achieved after the Requisite Service Period. This standard affects entities that issue share-based payments when the terms of an award stipulate that a performance target could be achieved after an employee completes the requisite service period. This guidance is effective for fiscal years beginning after December 15, 2015. The Company is currently evaluating the impact of the adoption on its condensed consolidated financial statements. In January 2015, the FASB issued ASU 2015-01, Income Statement - Extraordinary and Unusual Items. This standard simplifies income statement classification by removing the concept of extraordinary items from U.S. GAAP, and as a result, items that are both unusual and infrequent no longer will be separately reported net of tax after continuing operations. This guidance is effective for periods beginning after December 15, 2015. The Company does not expect the adoption to have a material impact to the condensed consolidated financial statements. In February 2015, the FASB issued ASU 2015-02, Consolidation: Amendments to the Consolidation Analysis. This ASU changes the analysis that a reporting entity must perform to determine whether it should consolidate certain types of legal entities. This guidance is effective for periods beginning after December 15, 2015. The Company is in the process of evaluating the impacts of the adoption of this ASU. In April 2015, the FASB issued ASU 2015-03, Imputation of Interest . This ASU requires that debt issuance costs, as well as discounts arising from the imputation of interest, be recorded as part of the basis of the related note, rather than as a separate asset or liability. The guidance should be applied retrospectively and will be effective for fiscal years beginning after December 31, 2015. The Company does not expect the adoption to have a material impact to the condensed consolidated financial statements.

Finance Receivables (Tables)

Finance Receivables (Tables)	6 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
Summary of Finance Receivables Held for Investment	Finance receivables held for investment includes individually acquired retail installment contracts and loans, purchased receivables portfolios, and capital leases (see Note 3). The Company's portfolio of individually acquired retail installment contracts and loans held for investment was comprised of the following at June 30, 2015 and December 31, 2014 : June 30, 2015 Retail Installment Contracts Receivables from Personal Loans Unpaid principal balance $ 26,027,676 $ 91,612 $ 2,261,726 Credit loss allowance (Note 4) (3,129,646 ) (968 ) (384,735 ) Discount (609,045 ) — (2,012 ) Capitalized origination costs and fees 44,504 — 1,488 Net carrying balance $ 22,333,489 $ 90,644 $ 1,876,467 December 31, 2014 Retail Installment Contracts Receivables from Personal Loans Unpaid principal balance $ 24,555,106 $ 100,164 $ 2,128,769 Credit loss allowance (Note 4) (2,726,338 ) (674 ) (348,660 ) Discount (597,862 ) — (1,356 ) Capitalized origination costs and fees 39,680 — 1,024 Net carrying balance $ 21,270,586 $ 99,490 $ 1,779,777 Purchased receivables portfolios, which were acquired with deteriorated credit quality, were comprised of the following at June 30, 2015 and December 31, 2014 : June 30, 2015 December 31, 2014 Unpaid principal balance $ 513,262 $ 846,355 Outstanding recorded investment $ 547,032 $ 873,134 Less: Impairment (179,903 ) (189,275 ) Outstanding recorded investment, net of impairment $ 367,129 $ 683,859
Changes in Accretable Yield on Purchased Receivables Portfolios	Changes in accretable yield on the Company’s purchased receivables portfolios for the periods indicated were as follows: For the Three Months Ended For the Six Months Ended June 30, 2015 June 30, 2014 June 30, 2015 June 30, 2014 Balance — beginning of period $ 243,655 $ 362,823 $ 264,416 $ 403,400 Accretion of accretable yield (20,969 ) (52,519 ) (47,874 ) (117,565 ) Reclassifications from (to) nonaccretable difference 15,686 (5,050 ) 21,830 19,419 Balance — end of period $ 238,372 $ 305,254 $ 238,372 $ 305,254

Leases (Tables)

Leases (Tables)	6 Months Ended
	Jun. 30, 2015
Leases [Abstract]
Summary of Leased Vehicles	Leased vehicles, net, which is comprised of leases originated under the Chrysler Agreement, consisted of the following as of June 30, 2015 and December 31, 2014 : June 30, December 31, Leased vehicles $ 6,957,870 $ 6,309,096 Less: accumulated depreciation (1,099,586 ) (804,629 ) Depreciated net capitalized cost 5,858,284 5,504,467 Manufacturer subvention payments (678,861 ) (645,874 ) Origination fees and other costs 10,481 4,190 Net book value $ 5,189,904 $ 4,862,783
Minimum Rental Payments Due to Lessor under Operating Leases	The following summarizes the future minimum rental payments due to the Company as lessor under operating leases as of June 30, 2015 : Remainder of 2015 $ 477,980 2016 856,944 2017 484,780 2018 110,367 2019 416 Thereafter 33 Total $ 1,930,520
Schedule of Capital Lease Receivable	Capital lease receivables, net consisted of the following as of June 30, 2015 and December 31, 2014 : June 30, December 31, Gross investment in capital leases $ 196,948 $ 137,543 Origination fees and other 158 78 Less unearned income (70,954 ) (46,193 ) Net investment in capital leases before allowance 126,152 91,428 Less: allowance for lease losses (15,570 ) (9,589 ) Net investment in capital leases $ 110,582 $ 81,839
Schedule of Future Minimum Lease Payments Receivable for Capital Leases	The following summarizes the future minimum lease payments due to the Company as lessor under capital leases as of June 30, 2015 : Remainder of 2015 $ 25,257 2016 50,513 2017 50,460 2018 49,396 2019 21,322 Thereafter — Total $ 196,948

Credit Loss Allowance and Cre28

Credit Loss Allowance and Credit Quality (Tables)	6 Months Ended
	Jun. 30, 2015
Loans and Leases Receivable, Allowance [Abstract]
Summary of Activity in Loan Loss Allowance	The activity in the credit loss allowance for individually acquired loans for the three and six months ended June 30, 2015 and 2014 was as follows: Three Months Ended June 30, 2015 Three Months Ended June 30, 2014 Retail Installment Receivables Personal Loans Retail Installment Receivables Personal Loans Balance — beginning of period $ 2,822,712 $ 1,130 $ 352,878 $ 2,444,552 $ 1,035 $ 203,190 Provision for credit losses 613,823 (162 ) 121,118 527,362 (112 ) 70,212 Charge-offs (835,283 ) — (97,218 ) (700,965 ) — (66,966 ) Recoveries 528,394 — 7,957 397,638 — 6,518 Balance — end of period $ 3,129,646 $ 968 $ 384,735 $ 2,668,587 $ 923 $ 212,954 Six Months Ended June 30, 2015 Six Months Ended June 30, 2014 Retail Installment Receivables Personal Loans Retail Installment Contracts Acquired Individually Receivables from Dealers Held for Investment Personal Loans Balance — beginning of period $ 2,726,338 $ 674 $ 348,660 $ 2,132,634 $ 1,090 $ 179,350 Provision for credit losses 1,120,971 294 218,821 1,184,068 (167 ) 132,341 Charge-offs (1,762,276 ) — (196,908 ) (1,453,530 ) — (107,914 ) Recoveries 1,071,730 — 14,162 805,415 — 9,177 Transfers to held for sale (27,117 ) — — — — — Balance — end of period $ 3,129,646 $ 968 $ 384,735 $ 2,668,587 $ 923 $ 212,954 The activity in the lease loss allowance for capital leases for the three and six months ended June 30, 2015 was as follows: Three Months Ended Six Months Ended Balance — beginning of period $ 15,182 $ 9,589 Provision for lease losses 8,226 14,002 Charge-offs (17,393 ) (19,390 ) Recoveries 9,555 11,369 Balance — end of period $ 15,570 $ 15,570
Summary of Activity in Loan Loss Allowance Related to Purchased Receivables Portfolios	The impairment activity related to purchased receivables portfolios for the three and six months ended June 30, 2015 and 2014 was as follows: Three Months Ended Six Months Ended 2015 2014 2015 2014 Balance — beginning of period $ 184,173 $ 206,170 $ 189,275 $ 226,356 Incremental provisions for purchased receivables portfolios — 350 300 1,675 Incremental reversal of provisions for purchased receivables portfolios (4,270 ) (8,676 ) (9,672 ) (30,187 ) Balance — end of period $ 179,903 $ 197,844 $ 179,903 $ 197,844
Summary of Delinquencies	A summary of delinquencies as of June 30, 2015 and December 31, 2014 is as follows: June 30, 2015 Retail Installment Contracts Held for Investment Personal Loans Loans Acquired Individually Purchased Receivables Portfolios Total Principal, 31-60 days past due $ 2,010,352 $ 55,663 $ 2,066,015 $ 57,285 Delinquent principal over 60 days 869,190 29,886 899,076 153,485 Total delinquent principal $ 2,879,542 $ 85,549 $ 2,965,091 $ 210,770 December 31, 2014 Retail Installment Contracts Held for Investment Personal Loans Acquired Individually Purchased Receivables Portfolios Total Principal, 31-60 days past due $ 2,319,203 $ 131,634 $ 2,450,837 $ 52,452 Delinquent principal over 60 days 1,030,580 72,473 1,103,053 138,400 Total delinquent principal $ 3,349,783 $ 204,107 $ 3,553,890 $ 190,852
Summary of Credit Risk Profile	A summary of the credit risk profile of the Company’s consumer loans by FICO ® distribution, determined at origination, as of June 30, 2015 and December 31, 2014 was as follows: June 30, 2015 FICO ® Band Retail Installment Contracts Held for Investment (a) Personal Loans (b) <540 29.0% 3.3% 540-599 35.8% 18.7% 600-639 20.5% 21.4% >640 14.7% 56.6% December 31, 2014 FICO ® Band Retail Installment Contracts Held for Investment (a) Personal Loans (b) <540 26.4% 3.3% 540-599 32.6% 20.1% 600-639 20.5% 21.4% >640 20.5% 55.2% (a) Unpaid principal balance excluded from the FICO ® distribution is $3,915,014 and $2,945,297 as of June 30, 2015 and December 31, 2014 , respectively, as the borrowers on these loans did not have FICO ® scores at origination. (b) Unpaid principal balance excluded from the FICO ® distribution is an insignificant amount of loans to borrowers that did not have FICO scores at origination.
Summary Commercial Loan Credit Quality Indicators for Receivables from Dealers Held for Investment	Commercial loan credit quality indicators for receivables from dealers held for investment as of June 30, 2015 and December 31, 2014 were as follows: June 30, December 31, Pass $ 89,603 $ 97,903 Special Mention 2,009 2,261 Substandard — — Doubtful — — Loss — — Unpaid principal balance $ 91,612 $ 100,164
Summary of Company's TDRs	The table below presents the Company’s TDRs as of June 30, 2015 and December 31, 2014 : June 30, 2015 December 31, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Outstanding recorded investment $ 5,044,546 $ 18,286 $ 4,207,037 $ 17,356 Impairment (967,994 ) (7,315 ) (797,240 ) (6,939 ) Outstanding recorded investment, net of impairment $ 4,076,552 $ 10,971 $ 3,409,797 $ 10,417
Summary of Performing and Nonperforming TDRs	A summary of the Company’s delinquent TDRs at June 30, 2015 and December 31, 2014 , is as follows: June 30, 2015 December 31, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Principal, 31-60 days past due $ 936,525 $ 1,608 $ 929,095 $ 1,595 Delinquent principal over 60 days 465,523 4,515 515,235 5,131 Total delinquent TDR principal $ 1,402,048 $ 6,123 $ 1,444,330 $ 6,726
Average Recorded Investment and Income Recognized on TDR Loans	Average recorded investment and income recognized on TDR loans are as follows: Three Months Ended June 30, 2015 June 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Average outstanding recorded investment in TDRs $ 4,830,381 $ 17,774 $ 2,979,944 $ 14,570 Interest income recognized $ 189,914 $ 629 $ 112,138 $ 391 Six Months Ended June 30, 2015 June 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Average outstanding recorded investment in TDRs $ 4,622,600 $ 17,634 $ 2,856,348 $ 12,510 Interest income recognized $ 386,890 $ 1,218 $ 232,589 $ 720
Summary of Loan Modification Accounted as TDRs	The following table summarizes the financial effects of TDRs that occurred during the three and six months ended June 30, 2015 and 2014 : Three Months Ended June 30, 2015 June 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Outstanding recorded investment before TDR $ 987,190 $ 4,384 $ 743,664 $ 4,637 Outstanding recorded investment after TDR $ 983,128 $ 4,364 $ 699,158 $ 4,573 Number of contracts 59,191 3,671 44,524 4,116 Six Months Ended June 30, 2015 June 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Outstanding recorded investment before TDR $ 1,862,999 $ 9,778 $ 1,367,673 $ 6,748 Outstanding recorded investment after TDR $ 1,857,499 $ 9,720 $ 1,280,211 $ 6,667 Number of contracts 111,510 8,139 83,753 6,135
Summary of Defaults in Loan Modifications Accounted as TDRs	Loan restructurings accounted for as TDRs within the previous twelve months that subsequently defaulted during the three and six months ended June 30, 2015 and 2014 are summarized in the following table: Three Months Ended June 30, 2015 June 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Recorded investment in TDRs that subsequently defaulted $ 213,991 $ 1,790 $ 70,811 (a) Number of contracts 15,392 1,603 7,234 (a) Six Months Ended June 30, 2015 June 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Recorded investment in TDRs that subsequently defaulted $ 372,509 $ 3,201 $ 120,275 (a) Number of contracts 27,046 3,014 13,123 (a) (a) Subsequent defaults on personal loan TDRs were insignificant for the three and six months ended June 30, 2014.

Debt (Tables)

Debt (Tables)	6 Months Ended
	Jun. 30, 2015
Debt Disclosure [Abstract]
Schedule of Credit Facilities	The following table presents information regarding credit facilities as of June 30, 2015 and December 31, 2014 : June 30, 2015 Maturity Date(s) Utilized Balance Committed Amount Effective Rate Assets Pledged Restricted Cash Pledged Warehouse line June 2016 $ 343,021 $ 500,000 1.17% $ 515,668 $ — Warehouse line (a) Various 794,139 1,249,670 1.31% 1,180,412 31,154 Warehouse line (b) June 2016 1,612,229 4,300,000 1.13% 2,351,770 61,775 Warehouse line December 2016 1,230,177 2,500,000 1.17% 1,812,763 48,238 Warehouse line (c) July 2015 — 500,000 — — — Warehouse line (d) September 2015 101,480 200,000 2.52% 160,197 3,249 Repurchase facility (e) December 2015 876,605 876,605 1.76% — 41,369 Warehouse line March 2017 588,599 750,000 0.94% 885,384 15,324 Warehouse line (f) November 2016 175,000 175,000 1.74% — 6,625 Warehouse line (d) October 2016 41,087 250,000 4.60% 63,529 2,635 Warehouse line (f) November 2016 250,000 250,000 1.73% — 1,486 Total facilities with third parties 6,012,337 11,551,275 6,969,723 211,855 Lines of credit with Santander and related subsidiaries (g): Line of credit December 2016 500,000 500,000 2.49% — — Line of credit December 2018 — 500,000 — — — Line of credit December 2016 1,750,000 1,750,000 2.40% — — Line of credit December 2018 1,710,000 1,750,000 2.82% — — Line of credit March 2017 300,000 300,000 1.74% — — Total facilities with Santander and related subsidiaries 4,260,000 4,800,000 — — Total revolving credit facilities $ 10,272,337 $ 16,351,275 $ 6,969,723 $ 211,855 (a) Half of the outstanding balance on this facility matures in March 2016 and half matures in March 2017. (b) This line is held exclusively for Chrysler Capital retail loan and lease financing. On August 7, 2015, this facility was amended into two facilities, one with a $1,260,000 commitment for retail loan funding and the other with a $2,940,000 commitment for lease funding. Both facilities have a maturity date of August 2017. (c) This facility was terminated upon maturity on July 17, 2015. (d) These lines are held exclusively for personal term loans. (e) The repurchase facility is collateralized by securitization notes payable retained by the Company. This facility has rolling 30 -day and 90 -day maturities. (f) These lines are collateralized by residuals retained by the Company. (g) These lines are also collateralized by securitization notes payable and residuals retained by the Company. As of June 30, 2015 and December 31, 2014 , $2,797,230 and $2,152,625 , respectively, of the aggregate outstanding balances on these facilities were unsecured. December 31, 2014 Maturity Date(s) Utilized Balance Committed Amount Effective Rate Assets Pledged Restricted Cash Pledged Warehouse line June 2015 $ 243,736 $ 500,000 1.17% $ 344,822 $ — Warehouse line Various 397,452 1,244,318 1.26% 589,529 20,661 Warehouse line June 2016 2,201,511 4,300,000 0.98% 3,249,263 65,414 Warehouse line June 2016 1,051,777 2,500,000 1.06% 1,481,135 28,316 Warehouse line July 2015 — 500,000 — — — Warehouse line September 2015 199,980 200,000 1.96% 351,755 13,169 Repurchase facility Various 923,225 923,225 1.63% — 34,184 Warehouse line December 2015 468,565 750,000 0.93% 641,709 16,467 Warehouse line November 2016 175,000 175,000 1.71% — — Warehouse line October 2016 240,487 250,000 2.02% 299,195 17,143 Warehouse line November 2016 250,000 250,000 1.71% — 2,500 Warehouse line March 2015 250,594 250,594 0.98% — — Total facilities with third parties 6,402,327 11,843,137 6,957,408 197,854 Lines of credit with Santander and related subsidiaries: Line of credit December 2016 500,000 500,000 2.46% 1,340 — Line of credit December 2018 — 500,000 — — — Line of credit December 2016 1,750,000 1,750,000 2.33% — — Line of credit December 2018 1,140,000 1,750,000 2.85% 9,701 — Line of credit March 2017 300,000 300,000 1.71% — — Total facilities with Santander and related subsidiaries 3,690,000 4,800,000 11,041 — Total revolving credit facilities $ 10,092,327 $ 16,643,137 $ 6,968,449 $ 197,854
Summary of Secured Structured Financings	The following table presents information regarding secured structured financings as of June 30, 2015 and December 31, 2014 : June 30, 2015 Original Estimated Maturity Date(s) Balance Initial Note Amounts Issued Initial Weighted Average Interest Rate Collateral Restricted Cash 2011 Securitizations (a) February 2017 - September 2017 $ 276,588 $ 2,860,320 1.41%-2.02% $ 417,353 $ 88,404 2012 Securitizations (a) November 2017 - December 2018 1,659,405 8,023,840 0.92%-1.68% 2,293,938 300,050 2013 Securitizations January 2019 - January 2021 2,656,337 6,689,700 0.89%-1.59% 3,336,520 304,549 2014 Securitizations (a) August 2018 - January 2021 3,983,728 6,800,420 1.16%-1.72% 4,958,150 372,680 2015 Securitizations (b) September 2019 - July 2022 4,981,886 5,394,002 1.33%-2.07% 5,909,912 338,632 Public securitizations (c) 13,557,944 29,768,282 16,915,873 1,404,315 2010 Private issuances (d) June 2011 138,894 516,000 1.29% 269,972 7,988 2011 Private issuances (e) December 2018 554,188 1,700,000 1.46% 1,023,579 48,168 2012 Private issuances May 2016 330 70,308 1.07% 6,848 573 2013 Private issuances (f) September 2018-September 2020 2,619,086 2,693,754 1.13%-1.38% 3,787,493 145,727 2014 Private issuances March 2018 - December 2021 2,069,420 3,271,175 1.05%-1.40% 2,855,681 107,362 2015 Private issuances November 2018 - May 2020 1,400,503 1,493,750 0.88%-1.62% 1,845,042 71,782 Privately issued amortizing notes 6,782,421 9,744,987 9,788,615 381,600 Total secured structured financings $ 20,340,365 $ 39,513,269 $ 26,704,488 $ 1,785,915 (a) In July 2015, the Company sold the residuals and retained bonds on public issuances originally executed in 2011, 2012, & 2014. (b) In July 2015, the Company executed a securitization, issuing an additional $664,730 in Notes. In addition, this includes a series of subordinate bond transactions on the SDART platform to fund residual interests from existing securitizations. (c) Securitizations executed under Rule 144A of the Securities Act are included within this balance. (d) This securitization was most recently amended in May 2015 to extend the maturity date to May 2016. (e) In July 2015, the Company advanced an additional $487,000 on private issuances originally executed in 2011. (f) In May 2015, the Company advanced an additional $500,000 on private issuances originally executed in 2013. December 31, 2014 Original Estimated Maturity Date(s) Balance Initial Note Amounts Issued Initial Weighted Average Interest Rate Collateral Restricted Cash 2010 Securitizations November 2017 $ 81,907 $ 1,632,420 1.04% $ 234,706 $ 58,740 2011 Securitizations June 2016 - September 2017 421,315 3,536,550 1.21%-2.80% 699,875 115,962 2012 Securitizations November 2017 - December 2018 2,296,687 8,023,840 0.92%-1.68% 3,006,426 318,373 2013 Securitizations January 2019 - January 2021 3,426,242 6,689,700 0.89%-1.59% 4,231,006 320,182 2014 Securitizations August 2018 - January 2021 5,211,346 6,800,420 1.16%-1.72% 6,173,229 370,790 Public securitizations (a) 11,437,497 26,682,930 14,345,242 1,184,047 2010 Private issuances June 2011 172,652 516,000 1.29% 303,361 8,009 2011 Private issuances December 2018 859,309 1,700,000 1.46%-1.80% 1,316,903 52,524 2012 Private issuances May 2016 5,682 70,308 1.07% 11,760 1,086 2013 Private issuances September 2018 - September 2020 2,629,278 2,693,754 1.13%-1.38% 3,703,685 98,063 2014 Private issuances November 2015 - December 2021 2,614,556 3,519,049 1.05%-1.85% 3,779,288 121,356 Privately issued amortizing notes 6,281,477 8,499,111 9,114,997 281,038 Total secured structured financings $ 17,718,974 $ 35,182,041 $ 23,460,239 $ 1,465,085 (a) Securitizations executed under Rule 144A of the Securities Act are included within this balance.

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	6 Months Ended
	Jun. 30, 2015
Variable Interest Entity Disclosure [Abstract]
Summary of Assets and Liabilities Related to VIEs	The following table summarizes the assets and liabilities related to VIEs included in the Company’s condensed consolidated financial statements: June 30, December 31, Restricted cash $ 1,977,229 $ 1,626,257 Finance receivables held for sale 1,546,393 18,712 Finance receivables held for investment, net 23,012,380 21,366,121 Leased vehicles, net 5,189,904 4,862,783 Various other assets 586,420 1,283,281 Notes payable 31,048,462 27,796,999 Various other liabilities 8,980 —
Summary of Cash Flows Received from Securitization Trusts	A summary of the cash flows received from consolidated securitization trusts during the three and six months ended June 30, 2015 and 2014 , is as follows: Three Months Ended Six Months Ended June 30, 2015 June 30, 2014 June 30, 2015 June 30, 2014 Assets securitized $ 5,255,516 $ 5,051,048 $ 9,237,371 $ 8,367,295 Net proceeds from new securitizations (a) $ 4,426,263 $ 4,707,336 $ 7,487,125 $ 7,441,429 Cash received for servicing fees (b) 172,854 153,514 332,656 299,285 Cash received upon release from reserved and restricted cash accounts (b) — 60 — 810 Net distributions from Trusts (b) 416,201 384,093 716,688 710,812 Total cash received from Trusts $ 5,015,318 $ 5,245,003 $ 8,536,469 $ 8,452,336 (a) Includes additional advances on existing securitizations. (b) These amounts are not reflected in the accompanying condensed consolidated statements of cash flows because the cash flows are between the VIEs and other entities included in the consolidation. A summary of the cash flows received from off-balance sheet securitization trusts during the three and six months ended June 30, 2015 and 2014 is as follows: Three Months Ended Six Months Ended June 30, 2015 June 30, 2014 June 30, 2015 June 30, 2014 Receivables securitized $ 768,561 $ — $ 768,561 $ 774,183 Net proceeds from new securitizations $ 785,983 $ — $ 785,983 $ 765,327 Cash received for servicing fees 6,319 4,184 11,623 6,972 Total cash received from securitization trusts $ 792,302 $ 4,184 $ 797,606 $ 772,299

Derivative Financial Instrume31

Derivative Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Summary of Underlying Notional Amounts and Aggregate Fair Values	The underlying notional amounts and aggregate fair values of these agreements at June 30, 2015 and December 31, 2014 , were as follows: June 30, 2015 December 31, 2014 Notional Fair Value Notional Fair Value Interest rate swap agreements designated as cash flow hedges $ 8,895,000 $ (11,080 ) $ 8,020,000 $ 3,827 Interest rate swap agreements not designated as hedges 3,128,000 (9,322 ) 3,206,000 (12,175 ) Interest rate cap agreements 8,002,020 29,423 7,541,385 49,762 Options for interest rate cap agreements 8,002,020 (29,446 ) 7,541,385 (49,806 ) Total return swap — — 250,594 (1,736 )
Offsetting of Derivative Assets and Liabilities	Information on the offsetting of derivative assets and derivative liabilities due to the right of offset was as follows, as of June 30, 2015 and December 31, 2014 : Offsetting of Financial Assets Gross Amounts Not Offset in the Gross Gross Amounts Net Amounts of Assets Presented Financial Cash Net June 30, 2015 Interest rate swaps - Santander & affiliates $ 910 $ — $ 910 $ — $ — $ 910 Interest rate swaps - third party 1,211 — 1,211 — — 1,211 Interest rate caps - Santander & affiliates 19,049 — 19,049 — — 19,049 Interest rate caps - third party 10,373 — 10,373 — — 10,373 Total derivatives subject to a master netting arrangement or similar arrangement 31,543 — 31,543 — — 31,543 Total derivatives not subject to a master netting arrangement or similar arrangement — — — — — — Total derivative assets $ 31,543 $ — $ 31,543 $ — $ — $ 31,543 Total financial assets $ 31,543 $ — $ 31,543 $ — $ — $ 31,543 December 31, 2014 Interest rate swaps - Santander & affiliates $ 5,208 $ — $ 5,208 $ — $ — $ 5,208 Interest rate swaps - third party 2,946 — 2,946 — — 2,946 Interest rate caps - Santander & affiliates 35,602 — 35,602 — — 35,602 Interest rate caps - third party 14,160 — 14,160 — — 14,160 Total derivatives subject to a master netting arrangement or similar arrangement 57,916 — 57,916 — — 57,916 Total derivatives not subject to a master netting arrangement or similar arrangement — — — — — — Total derivative assets $ 57,916 $ — $ 57,916 $ — $ — $ 57,916 Total financial assets $ 57,916 $ — $ 57,916 $ — $ — $ 57,916 Offsetting of Financial Liabilities Gross Amounts Not Offset in the Gross Gross Amounts Net Amounts of Liabilities Presented Financial Cash Net June 30, 2015 Interest rate swaps - Santander & affiliates $ 17,124 $ (11,408 ) $ 5,716 $ — $ — $ 5,716 Interest rate swaps - third party 5,398 (5,398 ) — — — — Back to back - Santander & affiliates 19,049 (19,049 ) — — — — Back to back - third party 10,397 (10,397 ) — — — — Total derivatives subject to a master netting arrangement or similar arrangement 51,968 (46,252 ) 5,716 — — 5,716 Total return swap — — — — — — Total derivatives not subject to a master netting arrangement or similar arrangement — — — — — — Total derivative liabilities $ 51,968 $ (46,252 ) $ 5,716 $ — $ — $ 5,716 Total financial liabilities $ 51,968 $ (46,252 ) $ 5,716 $ — $ — $ 5,716 December 31, 2014 Interest rate swaps - Santander & affiliates $ 15,783 $ (4,308 ) $ 11,475 $ — $ — $ 11,475 Interest rate swaps - third party 719 (191 ) 528 — — 528 Back to back - Santander & affiliates 35,602 (35,602 ) — — — — Back to back - third party 14,204 (14,204 ) — — — — Total derivatives subject to a master netting arrangement or similar arrangement 66,308 (54,305 ) 12,003 — — 12,003 Total return swap 1,736 (1,736 ) — — — — Total derivatives not subject to a master netting arrangement or similar arrangement 1,736 (1,736 ) — — — — Total derivative liabilities $ 68,044 $ (56,041 ) $ 12,003 $ — $ — $ 12,003 Total financial liabilities $ 68,044 $ (56,041 ) $ 12,003 $ — $ — $ 12,003
Gross Gains (Losses) Reclassified from Accumulated Other Comprehensive Income	The impacts on the condensed consolidated statements of income and comprehensive income for the three and six months ended June 30, 2015 and 2014 were as follows: Three Months Ended Three Months Ended Gains (Losses) Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income (Loss) Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income to Interest Expense Gains (Losses) Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income (Loss) Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income to Interest Expense Interest rate swap agreements designated as cash flow hedges $ — $ (5,640 ) $ (11,266 ) $ (47 ) $ (7,246 ) $ (1,931 ) Derivative instruments not designated as hedges $ 6,852 $ 3,199 Six Months Ended Six Months Ended Gains (Losses) Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income (Loss) Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income to Interest Expense Gains (Losses) Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income (Loss) Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income to Interest Expense Interest rate swap agreements designated as cash flow hedges $ 223 $ (37,176 ) $ (22,337 ) $ 91 $ (6,592 ) $ (4,595 ) Derivative instruments not designated as hedges $ 4,423 $ 8,388

Other Assets (Tables)

Other Assets (Tables)	6 Months Ended
	Jun. 30, 2015
Other Assets [Abstract]
Other Assets	Other assets were comprised as follows: June 30, December 31, Upfront fee (a) $ 117,500 $ 125,000 Vehicles (b) 177,226 134,926 Manufacturer subvention payments receivable (a) 116,480 70,213 Accounts receivable 26,178 18,440 Prepaids 34,768 35,906 Derivative assets (Note 7) 11,584 17,106 Other 2,619 1,825 Total other assets $ 486,355 $ 403,416 (a) These amounts relate to the Chrysler Agreement. The Company paid a $150,000 upfront fee upon the May 2013 inception of the agreement. The fee is being amortized into finance and other interest income over a ten -year term. As the preferred financing provider for Chrysler, the Company is entitled to subvention payments on loans and leases with below-market customer payments. (b) Includes vehicles obtained through repossession as well as vehicles obtained due to lease terminations.

Related-Party Transactions (Tab

Related-Party Transactions (Tables)	6 Months Ended
	Jun. 30, 2015
Related Party Transactions [Abstract]
Information on Related Party Transactions	Accrued interest for affiliate lines/letters of credit at June 30, 2015 and December 31, 2014 , was as follows: June 30, 2015 December 31, 2014 Line of credit agreement with Santander - New York Branch (Note 5) $ 7,676 $ 7,750 Line of credit agreement with SHUSA (Note 5) 232 242 Letter of credit facility with Santander - New York Branch — 128 Other information on the serviced auto loan and retail installment contract portfolios for SBNA as of June 30, 2015 and December 31, 2014 is as follows: June 30, December 31, Total serviced portfolio $ 788,509 $ 896,300 Cash collections due to owner 22,232 21,415 Servicing fees receivable 1,829 2,171 Interest expense, including unused fees, for affiliate lines/letters of credit for the three and six months ended June 30, 2015 and 2014 , was as follows: Three Months Ended Six Months Ended June 30, 2015 June 30, 2014 June 30, 2015 June 30, 2014 Line of credit agreement with Santander - New York Branch (Note 5) $ 26,151 $ 22,709 $ 51,635 $ 47,583 Line of credit agreement with SHUSA (Note 5) 1,313 1,299 2,603 1,662 Letter of credit facility with Santander - New York Branch — 126 — 251 Other information on the consumer vehicle lease portfolio serviced for SBNA as of June 30, 2015 and December 31, 2014 is as follows: June 30, December 31, Total serviced portfolio $ 2,438,294 $ 1,989,967 Cash collections due to owner 7 1 Lease fundings due from owner — 3,365 Origination and servicing fees receivable 673 10,345 Revenue share reimbursement receivable 4,584 1,694

Computation of Basic and Dilu34

Computation of Basic and Diluted Earnings per Common Share (Tables)	6 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Summary of Computation of Basic and Diluted Earnings per Common Share	Three Months Ended Six Months Ended 2015 2014 2015 2014 Earnings per common share Net income $ 285,464 $ 246,481 $ 574,714 $ 327,947 Weighted average number of common shares outstanding before restricted participating shares (in thousands) 354,625 348,243 351,806 347,882 Weighted average number of participating restricted common shares outstanding (in thousands) 467 584 467 584 Weighted average number of common shares outstanding (in thousands) 355,092 348,827 352,273 348,466 Earnings per common share $ 0.80 $ 0.71 $ 1.63 $ 0.94 Earnings per common share - assuming dilution Net income $ 285,464 $ 246,481 $ 574,714 $ 327,947 Weighted average number of common shares outstanding (in thousands) 355,092 348,827 352,273 348,466 Effect of employee stock-based awards (in thousands) 4,102 7,555 3,659 7,543 Weighted average number of common shares outstanding - assuming dilution (in thousands) 359,194 356,382 355,932 356,008 Earnings per common share - assuming dilution $ 0.79 $ 0.69 $ 1.61 $ 0.92

Fair Value of Financial Instr35

Fair Value of Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
Summary of Fair Value Estimates, Methods and Assumptions	Fair value estimates, methods, and assumptions are as follows: June 30, 2015 December 31, 2014 Level Carrying Estimated Carrying Estimated Cash and cash equivalents (a) 1 $ 28,886 $ 28,886 $ 33,157 $ 33,157 Receivables held for sale (b) 2 1,570,416 1,583,832 46,585 46,585 Finance receivables held for investment, net (c) 3 24,778,311 26,811,953 23,915,551 25,576,337 Restricted cash (a) 1 3,086,229 3,086,229 1,920,857 1,920,857 Notes payable — credit facilities (d) 3 6,012,337 6,012,337 6,402,327 6,402,327 Notes payable — secured structured financings (e) 2 20,340,365 20,449,462 17,718,974 17,810,062 Notes payable — related party (f) 3 4,260,000 4,260,000 3,690,000 3,690,000 (a) Cash and cash equivalents and restricted cash — The carrying amount of cash and cash equivalents, including restricted cash, is at an approximated fair value as the instruments mature within 90 days or less and bear interest at market rates. (b) Receivables held for sale — Receivables held for sale are carried at the lower of cost or market, as determined on an aggregate basis. The estimated fair value is based on the prices obtained or expected to be obtained in the subsequent sales usually in the following month. (c) Finance receivables held for investment, net — The carrying value and estimated fair value of finance receivables held for investment, net are reported at the aggregate carrying value and estimated fair value of the following financial instruments: • Retail installment contracts held for investment — Retail installment contracts held for investment are carried at amortized cost, net of credit loss allowance. The estimated fair value is calculated based on estimated market rates for similar contracts with similar credit risks. • Personal loans, net — Personal loans are carried at amortized cost, net of credit loss allowance. The estimated fair value is calculated based on estimated market rates for similar loans with similar credit risks. • Receivables from dealers held for investment, net — Receivables from dealers held for investment are carried at amortized cost, net of credit loss allowance. The estimated fair value is calculated based on estimated market rates for similar receivables with similar credit risks. • Capital lease receivables, net — Capital lease receivables are carried at amortized cost, net of the allowance for lease losses. The estimated fair value is calculated based on estimated market rates for similar contracts with similar credit risks. (d) Notes payable — credit facilities — The carrying amount of notes payable related to revolving credit facilities is estimated to approximate fair value. Management believes that the terms of these credit agreements approximate market terms for similar credit agreements. (e) Notes payable — secured structured financings — The estimated fair value of notes payable related to secured structured financings is calculated based on market quotes for the Company’s publicly traded debt and estimated market rates currently available from recent transactions involving similar debt with similar credit risks. (f) Notes payable — related party — The carrying amount of notes payable to a related party is estimated to approximate fair value. Management believes that the terms of these credit agreements approximate market terms for similar credit agreements.
Assets and Liabilities Measured at Fair Value on a Recurring Basis	The following table presents the Company’s assets and liabilities that are measured at fair value on a recurring basis at June 30, 2015 and December 31, 2014 , and are categorized using the fair value hierarchy: Fair Value Measurements at June 30, 2015 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Other assets — trading interest rate caps (a) $ 10,373 $ — $ 10,373 $ — Due from affiliates — trading interest rate caps (a) 19,049 — 19,049 — Other assets — cash flow hedging interest rate swaps (a) 1,211 — 1,211 — Due from affiliates — cash flow hedging interest rate swaps (a) 113 — 113 — Due from affiliates — trading interest rate swaps (a) 797 — 797 — Due from affiliates — treasury bills 30,991 30,991 — — Other liabilities — trading options for interest rate caps (a) 10,397 — 10,397 — Due to affiliates — trading options for interest rate caps (a) 19,049 — 19,049 — Other liabilities — cash flow hedging interest rate swaps (a) 3,135 — 3,135 — Due to affiliates — cash flow hedging interest rate swaps (a) 9,270 — 9,270 — Other liabilities — trading interest rate swaps (a) 2,263 — 2,263 — Due to affiliates — trading interest rate swaps (a) 7,854 — 7,854 — Fair Value Measurements at December 31, 2014 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Other assets — trading interest rate caps (a) $ 14,160 $ — $ 14,160 $ — Due from affiliates — trading interest rate caps (a) 35,602 — 35,602 — Other assets — cash flow hedging interest rate swaps (a) 2,796 — 2,796 — Due from affiliates — cash flow hedging interest rate swaps (a) 4,823 — 4,823 — Other assets — trading interest rate swaps (a) 150 — 150 — Due from affiliates — trading interest rate swaps (a) 385 — 385 — Other liabilities — trading options for interest rate caps (a) 14,204 — 14,204 — Due to affiliates — trading options for interest rate caps (a) 35,602 — 35,602 — Other liabilities — cash flow hedging interest rate swaps (a) 476 — 476 — Due to affiliates — cash flow hedging interest rate swaps (a) 3,316 — 3,316 — Other liabilities — trading interest rate swaps (a) 243 — 243 — Due to affiliates — trading interest rate swaps (a) 12,467 — 12,467 — Other liabilities — total return swap (b) 1,736 — 1,736 — (a) The valuation of swaps and caps is determined using widely accepted valuation techniques including discounted cash flow analysis on the expected cash flows of each derivative. This analysis reflects the contractual terms of the derivative, including the period to maturity, and uses observable market-based inputs. The Company incorporates credit valuation adjustments to appropriately reflect both its own nonperformance risk and the respective counterparty’s nonperformance risk in the fair value measurement of its derivatives. In adjusting the fair value of its derivative contracts for the effect of nonperformance risk, the Company has considered the impact of netting and any applicable credit enhancements, such as collateral postings and guarantees. The Company utilizes the exception in ASC 820-10-35-18D (commonly referred to as the “portfolio exception”) with respect to measuring counterparty credit risk for instruments (Note 7). (b) The total return swap is valued based on the estimated market value of the underlying bonds pledged to the associated credit facility.
Assets and Liabilities Measured at Fair Value on Nonrecurring Basis	The following table presents the Company’s assets and liabilities that are measured at fair value on a nonrecurring basis at June 30, 2015 and December 31, 2014 , and are categorized using the fair value hierarchy: Fair Value Measurements at June 30, 2015 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Other assets — vehicles $ 177,226 $ — $ 177,226 $ — Fair Value Measurements at December 31, 2014 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Other assets — vehicles $ 134,926 $ — $ 134,926 $ —

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	6 Months Ended
	Jun. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Summary of Stock Options and Related Activity	A summary of the Company’s stock options and related activity as of and for the six months ended June 30, 2015 is as follows: Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term (Years) Aggregate Intrinsic Value Options outstanding at January 1, 2015 21,357,911 $ 10.82 7.2 $ 187,637 Granted 161,244 23.27 — — Exercised (8,771,131 ) 9.86 — (121,923 ) Expired (15,197 ) 9.73 — — Forfeited (143,677 ) 14.47 — — Options outstanding at June 30, 2015 12,589,150 11.62 6.8 175,631 Options exercisable at June 30, 2015 8,391,322 10.29 6.6 128,261

Shareholders' Equity (Tables)

Shareholders' Equity (Tables)	6 Months Ended
	Jun. 30, 2015
Equity [Abstract]
Summary of Changes in Accumulated Other Comprehensive Loss	A summary of changes in accumulated other comprehensive income (loss), net of tax, for the three and six months ended June 30, 2015 and 2014 is as follows: Three Months Ended Six Months Ended June 30, 2015 June 30, 2014 June 30, 2015 June 30, 2014 Beginning balance, unrealized gains (losses) on cash flow hedges $ (9,290 ) $ (765 ) $ 3,553 $ (2,853 ) Other comprehensive loss before reclassifications (3,458 ) (4,579 ) (23,249 ) (4,167 ) Amounts reclassified out of accumulated other comprehensive income (loss) (a) 7,022 1,215 13,970 2,891 Ending balance, unrealized losses on cash flow hedges $ (5,726 ) $ (4,129 ) $ (5,726 ) $ (4,129 ) (a) Amounts reclassified out of accumulated other comprehensive income (loss) during the three and six months ended June 30, 2015 and 2014 consist of the following: Three Months Ended June 30, 2015 Three Months Ended June 30, 2014 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges: Settlements of derivatives $ 11,266 Interest expense $ 1,931 Interest expense Tax benefit (4,244 ) (716 ) Net of tax $ 7,022 $ 1,215 Six Months Ended June 30, 2015 Six Months Ended June 30, 2014 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges: Settlements of derivatives $ 22,337 Interest expense $ 4,595 Interest expense Tax expense (benefit) (8,367 ) (1,704 ) Net of tax $ 13,970 $ 2,891
Reclassification of Amounts Out of Accumulated Other Comprehensive Income (Loss)	Amounts reclassified out of accumulated other comprehensive income (loss) during the three and six months ended June 30, 2015 and 2014 consist of the following: Three Months Ended June 30, 2015 Three Months Ended June 30, 2014 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges: Settlements of derivatives $ 11,266 Interest expense $ 1,931 Interest expense Tax benefit (4,244 ) (716 ) Net of tax $ 7,022 $ 1,215 Six Months Ended June 30, 2015 Six Months Ended June 30, 2014 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges: Settlements of derivatives $ 22,337 Interest expense $ 4,595 Interest expense Tax expense (benefit) (8,367 ) (1,704 ) Net of tax $ 13,970 $ 2,891

Description of Business, Basi38

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Additional Information (Details) - segment	Jul. 03, 2015	Jun. 30, 2015
Basis Of Presentation And Significant Accounting Policies [Line Items]
Number of reportable segments		1
Subsequent Event | SHUSA
Basis Of Presentation And Significant Accounting Policies [Line Items]
Increase in parent's total ownership percentage	9.70%
SHUSA
Basis Of Presentation And Significant Accounting Policies [Line Items]
Ownership percentage held by third parties		59.00%
Public Shareholders
Basis Of Presentation And Significant Accounting Policies [Line Items]
Ownership percentage held by third parties		31.10%
DDFS LLC
Basis Of Presentation And Significant Accounting Policies [Line Items]
Ownership percentage held by third parties		9.80%
Other Holders
Basis Of Presentation And Significant Accounting Policies [Line Items]
Ownership percentage held by third parties		0.10%
Chrysler Group
Basis Of Presentation And Significant Accounting Policies [Line Items]
Financing contract term		10 years

Finance Receivables - Additiona

Finance Receivables - Additional Information (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for sale	$ 1,569,404,000		$ 1,569,404,000		$ 45,424,000
Principal amount sold on loans securitized	2,016,675,000	$ 1,384,174,000	2,935,753,000	$ 3,069,898,000
Servicing of sold retail installment contracts	8,583,906,000		8,583,906,000		7,372,884,000
Proceeds from sale of charged off assets	65,587,000	$ 0	103,963,000	$ 1,687,000
Unpaid principal balance of fleet contracts with commercial consumers	955,225,000		955,225,000		816,100,000
Utilized Balance	$ 6,012,337,000		$ 6,012,337,000		6,402,327,000
Texas
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for investment	17.00%		17.00%
Percentage of unsecured consumer loans	8.00%		8.00%
Florida
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for investment	12.00%		12.00%
Percentage of unsecured consumer loans	7.00%		7.00%
California
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for investment	9.00%		9.00%
Percentage of remaining receivable from dealers held for investment	16.00%		16.00%
Percentage of unsecured consumer loans	11.00%		11.00%
Georgia
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for investment	5.00%		5.00%
Other States (less than 5%)
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for investment	5.00%		5.00%
Percentage of remaining receivable from dealers held for investment	5.00%		5.00%
Percentage of unsecured consumer loans	5.00%		5.00%
Ohio
Schedule Of Financing Receivables [Line Items]
Percentage of remaining receivable from dealers held for investment	37.00%		37.00%
Virginia
Schedule Of Financing Receivables [Line Items]
Percentage of remaining receivable from dealers held for investment	26.00%		26.00%
New York
Schedule Of Financing Receivables [Line Items]
Percentage of remaining receivable from dealers held for investment	11.00%		11.00%
Percentage of unsecured consumer loans	8.00%		8.00%
Receivables From Dealers
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for sale	$ 1,012,000		$ 1,012,000		1,161,000
Receivables from Dealers Held for Investment
Schedule Of Financing Receivables [Line Items]
Committed amount	50,000,000		50,000,000		50,000,000
Utilized Balance	$ 50,000,000		$ 50,000,000		$ 50,000,000

Finance Receivables - Summary o

Finance Receivables - Summary of Finance Receivables Held for Investment (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Accounts Notes And Loans Receivable [Line Items]
Unpaid principal balance	$ 513,262	$ 846,355
Outstanding recorded investment	547,032	873,134
Less: Impairment	(179,903)	(189,275)
Outstanding recorded investment, net of impairment	367,129	683,859
Retail Installment Contracts Acquired Individually
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	22,333,489	21,270,586
Receivables from Dealers Held for Investment
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	90,644	99,490
Personal Loans
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	1,876,467	1,779,777
Unpaid Principal Balance | Retail Installment Contracts Acquired Individually
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	26,027,676	24,555,106
Unpaid Principal Balance | Receivables from Dealers Held for Investment
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	91,612	100,164
Unpaid Principal Balance | Personal Loans
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	2,261,726	2,128,769
Credit Loss Allowance | Retail Installment Contracts Acquired Individually
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	(3,129,646)	(2,726,338)
Credit Loss Allowance | Receivables from Dealers Held for Investment
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	(968)	(674)
Credit Loss Allowance | Personal Loans
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	(384,735)	(348,660)
Discount | Retail Installment Contracts Acquired Individually
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	(609,045)	(597,862)
Discount | Receivables from Dealers Held for Investment
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	0	0
Discount | Personal Loans
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	(2,012)	(1,356)
Capitalized Origination Costs and Fees | Retail Installment Contracts Acquired Individually
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	44,504	39,680
Capitalized Origination Costs and Fees | Receivables from Dealers Held for Investment
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	0	0
Capitalized Origination Costs and Fees | Personal Loans
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	$ 1,488	$ 1,024

Finance Receivables - Changes i

Finance Receivables - Changes in Accretable Yield on Purchased Receivables Portfolios (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Balance — beginning of period	$ 243,655	$ 362,823	$ 264,416	$ 403,400
Accretion of accretable yield	(20,969)	(52,519)	(47,874)	(117,565)
Reclassifications from (to) nonaccretable difference	15,686	(5,050)	21,830	19,419
Balance — end of period	$ 238,372	$ 305,254	$ 238,372	$ 305,254

Leases - Summary of Leased Vehi

Leases - Summary of Leased Vehicles (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2015	Dec. 31, 2014
Property Subject To Or Available For Operating Lease [Line Items]
Leased vehicles	$ 6,957,870	$ 6,957,870	$ 6,309,096
Less: accumulated depreciation	(1,099,586)	(1,099,586)	(804,629)
Depreciated net capitalized cost	5,858,284	5,858,284	5,504,467
Manufacturer subvention payments	(678,861)	(678,861)	(645,874)
Origination fees and other costs	10,481	10,481	4,190
Net book value	5,189,904	5,189,904	$ 4,862,783
Chrysler Group
Property Subject To Or Available For Operating Lease [Line Items]
Aggregate depreciated net capitalized cost of leases sold	755,624	1,316,958
Net book value of leases sold	$ 666,252	$ 1,155,171

Leases - Future Minimum Rental

Leases - Future Minimum Rental Payments Due to Lessor under Operating Leases (Details) $ in Thousands	Jun. 30, 2015USD ($)
Leases [Abstract]
Remainder of 2015	$ 477,980
2,016	856,944
2,017	484,780
2,018	110,367
2,019	416
Thereafter	33
Total	$ 1,930,520

Leases - Summary of Capital Lea

Leases - Summary of Capital Lease Receivables (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Leases [Abstract]
Gross investment in capital leases	$ 196,948	$ 137,543
Origination fees and other	158	78
Less unearned income	(70,954)	(46,193)
Net investment in capital leases before allowance	126,152	91,428
Less: allowance for lease losses	(15,570)	(9,589)
Net investment in capital leases	$ 110,582	$ 81,839

Leases - Future Minimum Renta45

Leases - Future Minimum Rental Receivable under Capital Leases (Details) $ in Thousands	Jun. 30, 2015USD ($)
Leases [Abstract]
Remainder of 2015	$ 25,257
2,016	50,513
2,017	50,460
2,018	49,396
2,019	21,322
Thereafter	0
Total	$ 196,948

Credit Loss Allowance and Cre46

Credit Loss Allowance and Credit Quality - Additional Information (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Receivables that were 31 days or more delinquent	$ 2,965,091,000	$ 3,553,890,000
Unpaid principal balance of fleet contracts with commercial consumers	955,225,000	816,100,000
Receivables From Dealers
Financing Receivable, Allowance for Credit Losses [Line Items]
Receivables that were 31 days or more delinquent	0	0
Receivables that were non-performing	0	0
Receivables classified as a TDR	0	$ 0
Fleet Contract Receivables | Special Mention
Financing Receivable, Allowance for Credit Losses [Line Items]
Fleet loans classified as Special Mention	$ 1,010,000

Credit Loss Allowance and Cre47

Credit Loss Allowance and Credit Quality - Summary of Activity in Credit Loss Allowance (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Retail Installment Contracts Acquired Individually
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of period	$ 2,822,712	$ 2,444,552	$ 2,726,338	$ 2,132,634
Provision for credit losses	613,823	527,362	1,120,971	1,184,068
Charge-offs	(835,283)	(700,965)	(1,762,276)	(1,453,530)
Recoveries	528,394	397,638	1,071,730	805,415
Transfers to held for sale			(27,117)	0
Balance — end of period	3,129,646	2,668,587	3,129,646	2,668,587
Receivables from Dealers Held for Investments
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of period	1,130	1,035	674	1,090
Provision for credit losses	(162)	(112)	294	(167)
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Transfers to held for sale			0	0
Balance — end of period	968	923	968	923
Personal Loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of period	352,878	203,190	348,660	179,350
Provision for credit losses	121,118	70,212	218,821	132,341
Charge-offs	(97,218)	(66,966)	(196,908)	(107,914)
Recoveries	7,957	6,518	14,162	9,177
Transfers to held for sale			0	0
Balance — end of period	384,735	$ 212,954	384,735	$ 212,954
Capital Lease Receivable
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of period	15,182		9,589
Provision for credit losses	8,226		14,002
Charge-offs	(17,393)		(19,390)
Recoveries	9,555		11,369
Balance — end of period	$ 15,570		$ 15,570

Credit Loss Allowance and Cre48

Credit Loss Allowance and Credit Quality - Summary of Activity in Credit Loss Allowance Related to Purchased Receivables Portfolios (Details) - Purchased Receivables Portfolios - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of period	$ 184,173	$ 206,170	$ 189,275	$ 226,356
Incremental provisions for purchased receivables portfolios	0	350	300	1,675
Incremental reversal of provisions for purchased receivables portfolios	(4,270)	(8,676)	(9,672)	(30,187)
Balance — end of period	$ 179,903	$ 197,844	$ 179,903	$ 197,844

Credit Loss Allowance and Cre49

Credit Loss Allowance and Credit Quality - Summary of Delinquencies (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable Recorded Investment Past Due [Line Items]
Principal, 31-60 days past due	$ 2,066,015	$ 2,450,837
Delinquent principal over 60 days	899,076	1,103,053
Total delinquent principal	2,965,091	3,553,890
Loans Acquired Individually
Financing Receivable Recorded Investment Past Due [Line Items]
Principal, 31-60 days past due	2,010,352	2,319,203
Delinquent principal over 60 days	869,190	1,030,580
Total delinquent principal	2,879,542	3,349,783
Purchased Receivables Portfolios
Financing Receivable Recorded Investment Past Due [Line Items]
Principal, 31-60 days past due	55,663	131,634
Delinquent principal over 60 days	29,886	72,473
Total delinquent principal	85,549	204,107
Personal Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Principal, 31-60 days past due	57,285	52,452
Delinquent principal over 60 days	153,485	138,400
Total delinquent principal	$ 210,770	$ 190,852

Credit Loss Allowance and Cre50

Credit Loss Allowance and Credit Quality - Summary of Credit Risk Profile (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Retail Installment Contracts
Financing Receivable Recorded Investment [Line Items]
Consumer loans without FICO scores	$ 3,915,014	$ 2,945,297
FICO Band 540
Financing Receivable Recorded Investment [Line Items]
Retail Installment Contracts Held for Investment	29.00%	26.40%
Personal Loans	3.30%	3.30%
FICO Band 540-599
Financing Receivable Recorded Investment [Line Items]
Retail Installment Contracts Held for Investment	35.80%	32.60%
Personal Loans	18.70%	20.10%
FICO Band 600-639
Financing Receivable Recorded Investment [Line Items]
Retail Installment Contracts Held for Investment	20.50%	20.50%
Personal Loans	21.40%	21.40%
FICO Band 640
Financing Receivable Recorded Investment [Line Items]
Retail Installment Contracts Held for Investment	14.70%	20.50%
Personal Loans	56.60%	55.20%

Credit Loss Allowance and Cre51

Credit Loss Allowance and Credit Quality - Summary Commercial Loan Credit Quality Indicators for Receivables from Dealers Held for Investment (Details) - Receivables From Dealers - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable Recorded Investment [Line Items]
Commercial Loan Credit Quality Indicators	$ 91,612	$ 100,164
Pass
Financing Receivable Recorded Investment [Line Items]
Commercial Loan Credit Quality Indicators	89,603	97,903
Special Mention
Financing Receivable Recorded Investment [Line Items]
Commercial Loan Credit Quality Indicators	2,009	2,261
Substandard
Financing Receivable Recorded Investment [Line Items]
Commercial Loan Credit Quality Indicators	0	0
Doubtful
Financing Receivable Recorded Investment [Line Items]
Commercial Loan Credit Quality Indicators	0	0
Loss
Financing Receivable Recorded Investment [Line Items]
Commercial Loan Credit Quality Indicators	$ 0	$ 0

Credit Loss Allowance and Cre52

Credit Loss Allowance and Credit Quality - Summary of Company's TDRs (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Retail Installment Contracts
Financing Receivable Modifications [Line Items]
Outstanding recorded investment	$ 5,044,546	$ 4,207,037
Impairment	(967,994)	(797,240)
Outstanding recorded investment, net of impairment	4,076,552	3,409,797
Personal Loans
Financing Receivable Modifications [Line Items]
Outstanding recorded investment	18,286	17,356
Impairment	(7,315)	(6,939)
Outstanding recorded investment, net of impairment	$ 10,971	$ 10,417

Credit Loss Allowance and Cre53

Credit Loss Allowance and Credit Quality - Summary of Performing and Non-performing TDRs (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Retail Installment Contracts
Troubled Debt Restructuring Debtor Current Period [Line Items]
Principal, 31-60 days past due	$ 936,525	$ 929,095
Delinquent principal over 60 days	465,523	515,235
Total delinquent TDR principal	1,402,048	1,444,330
Personal Loans
Troubled Debt Restructuring Debtor Current Period [Line Items]
Principal, 31-60 days past due	1,608	1,595
Delinquent principal over 60 days	4,515	5,131
Total delinquent TDR principal	$ 6,123	$ 6,726

Credit Loss Allowance and Cre54

Credit Loss Allowance and Credit Quality - Average Recorded Investment and Income Recognized on TDR Loans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Retail Installment Contracts
Financing Receivable Modifications [Line Items]
Average outstanding recorded investment in TDRs	$ 4,830,381	$ 2,979,944	$ 4,622,600	$ 2,856,348
Interest income recognized	189,914	112,138	386,890	232,589
Personal Loans
Financing Receivable Modifications [Line Items]
Average outstanding recorded investment in TDRs	17,774	14,570	17,634	12,510
Interest income recognized	$ 629	$ 391	$ 1,218	$ 720

Credit Loss Allowance and Cre55

Credit Loss Allowance and Credit Quality - Summary of Loan Modification Accounted as TDRs (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015USD ($)contract	Jun. 30, 2014USD ($)contract	Jun. 30, 2015USD ($)contract	Jun. 30, 2014USD ($)contract
Retail Installment Contracts
Financing Receivable Modifications [Line Items]
Outstanding recorded investment before TDR	$ 987,190	$ 743,664	$ 1,862,999	$ 1,367,673
Outstanding recorded investment after TDR	$ 983,128	$ 699,158	$ 1,857,499	$ 1,280,211
Number of contracts | contract	59,191,000	44,524,000	111,510,000	83,753,000
Personal Loans
Financing Receivable Modifications [Line Items]
Outstanding recorded investment before TDR	$ 4,384	$ 4,637	$ 9,778	$ 6,748
Outstanding recorded investment after TDR	$ 4,364	$ 4,573	$ 9,720	$ 6,667
Number of contracts | contract	3,671,000	4,116,000	8,139,000	6,135,000

Credit Loss Allowance and Cre56

Credit Loss Allowance and Credit Quality - Summary of Defaults in Loan Modifications Accounted as TDRs (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015USD ($)contract	Jun. 30, 2014USD ($)contract	Jun. 30, 2015USD ($)contract	Jun. 30, 2014USD ($)contract
Retail Installment Contracts
Financing Receivable Modifications [Line Items]
Recorded investment in TDRs that subsequently defaulted	$ 213,991	$ 70,811	$ 372,509	$ 120,275
Number of contracts | contract	15,392,000	7,234,000	27,046,000	13,123,000
Personal Loans
Financing Receivable Modifications [Line Items]
Recorded investment in TDRs that subsequently defaulted	$ 1,790		$ 3,201
Number of contracts | contract	1,603,000		3,014,000

Debt - Schedule of Credit Facil

Debt - Schedule of Credit Facilities (Details)	6 Months Ended	12 Months Ended
	Jun. 30, 2015USD ($)	Dec. 31, 2014USD ($)	Aug. 07, 2015USD ($)facility
Line Of Credit Facility [Line Items]
Utilized Balance	$ 6,012,337,000	$ 6,402,327,000
Unsecured Debt
Line Of Credit Facility [Line Items]
Utilized Balance	$ 2,797,230	$ 2,152,625
Warehouse line, due June 2016
Line Of Credit Facility [Line Items]
Maturity Date	2016-06
Utilized Balance	$ 343,021,000
Committed Amount	$ 500,000,000
Effective Rate	1.17%
Assets Pledged	$ 515,668,000
Restricted Cash Pledged	$ 0
Warehouse line, due Various
Line Of Credit Facility [Line Items]
Maturity Date	Various	Various
Utilized Balance	$ 794,139,000	$ 397,452,000
Committed Amount	$ 1,249,670,000	$ 1,244,318,000
Effective Rate	1.31%	1.26%
Assets Pledged	$ 1,180,412,000	$ 589,529,000
Restricted Cash Pledged	$ 31,154,000	$ 20,661,000
Warehouse line, due June 2016
Line Of Credit Facility [Line Items]
Maturity Date	2016-06	2016-06
Utilized Balance	$ 1,612,229,000	$ 2,201,511,000
Committed Amount	$ 4,300,000,000	$ 4,300,000,000
Effective Rate	1.13%	0.98%
Assets Pledged	$ 2,351,770,000	$ 3,249,263,000
Restricted Cash Pledged	$ 61,775,000	$ 65,414,000
Warehouse line, due June 2016 | Subsequent Event
Line Of Credit Facility [Line Items]
Number of credit facilities | facility			2
Warehouse line, due June 2016 | Subsequent Event | Retail Loan Funding
Line Of Credit Facility [Line Items]
Committed Amount			$ 1,260,000
Warehouse line, due June 2016 | Subsequent Event | Lease Funding
Line Of Credit Facility [Line Items]
Committed Amount			$ 2,940,000
Warehouse line, due December 2016
Line Of Credit Facility [Line Items]
Maturity Date	2016-12
Utilized Balance	$ 1,230,177,000
Committed Amount	$ 2,500,000,000
Effective Rate	1.17%
Assets Pledged	$ 1,812,763,000
Restricted Cash Pledged	$ 48,238,000
Warehouse line, due July 2015
Line Of Credit Facility [Line Items]
Maturity Date	2015-07	2015-07
Utilized Balance	$ 0	$ 0
Committed Amount	$ 500,000,000	$ 500,000,000
Effective Rate	0.00%	0.00%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	$ 0	$ 0
Warehouse line, due September 2015
Line Of Credit Facility [Line Items]
Maturity Date	2015-09	2015-09
Utilized Balance	$ 101,480,000	$ 199,980,000
Committed Amount	$ 200,000,000	$ 200,000,000
Effective Rate	2.52%	1.96%
Assets Pledged	$ 160,197,000	$ 351,755,000
Restricted Cash Pledged	$ 3,249,000	$ 13,169,000
Repurchase facility, due December 2015
Line Of Credit Facility [Line Items]
Maturity Date	2015-12
Utilized Balance	$ 876,605,000
Committed Amount	$ 876,605,000
Effective Rate	1.76%
Assets Pledged	$ 0
Restricted Cash Pledged	$ 41,369,000
Warehouse line, due March 2017
Line Of Credit Facility [Line Items]
Maturity Date	2017-03
Utilized Balance	$ 588,599,000
Committed Amount	$ 750,000,000
Effective Rate	0.94%
Assets Pledged	$ 885,384,000
Restricted Cash Pledged	$ 15,324,000
Warehouse line, due November 2016
Line Of Credit Facility [Line Items]
Maturity Date	2016-11	2016-11
Utilized Balance	$ 175,000,000	$ 175,000,000
Committed Amount	$ 175,000,000	$ 175,000,000
Effective Rate	1.74%	1.71%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	$ 6,625,000	$ 0
Warehouse line, due October 2016
Line Of Credit Facility [Line Items]
Maturity Date		2016-10
Utilized Balance	$ 41,087,000	$ 240,487,000
Committed Amount	$ 250,000,000	$ 250,000,000
Effective Rate	4.60%	2.02%
Assets Pledged	$ 63,529,000	$ 299,195,000
Restricted Cash Pledged	$ 2,635,000	$ 17,143,000
Warehouse line, due November 2016
Line Of Credit Facility [Line Items]
Maturity Date	2016-11	2016-11
Utilized Balance	$ 250,000,000	$ 250,000,000
Committed Amount	$ 250,000,000	$ 250,000,000
Effective Rate	1.73%	1.71%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	1,486,000	$ 2,500,000
Warehouse line, due June 2015
Line Of Credit Facility [Line Items]
Maturity Date		2015-06
Utilized Balance		$ 243,736,000
Committed Amount		$ 500,000,000
Effective Rate		1.17%
Assets Pledged		$ 344,822,000
Restricted Cash Pledged		$ 0
Warehouse line, due June 2016
Line Of Credit Facility [Line Items]
Maturity Date		2016-06
Utilized Balance		$ 1,051,777,000
Committed Amount		$ 2,500,000,000
Effective Rate		1.06%
Assets Pledged		$ 1,481,135,000
Restricted Cash Pledged		$ 28,316,000
Repurchase facility, due Various
Line Of Credit Facility [Line Items]
Maturity Date		Various
Utilized Balance		$ 923,225,000
Committed Amount		$ 923,225,000
Effective Rate		1.63%
Assets Pledged		$ 0
Restricted Cash Pledged		$ 34,184,000
Warehouse line, due December 2015
Line Of Credit Facility [Line Items]
Maturity Date		2015-12
Utilized Balance		$ 468,565,000
Committed Amount		$ 750,000,000
Effective Rate		0.93%
Assets Pledged		$ 641,709,000
Restricted Cash Pledged		$ 16,467,000
Warehouse line, due March 2015
Line Of Credit Facility [Line Items]
Maturity Date		2015-03
Utilized Balance		$ 250,594,000
Committed Amount		$ 250,594,000
Effective Rate		0.98%
Assets Pledged		$ 0
Restricted Cash Pledged		0
Total facilities with third parties
Line Of Credit Facility [Line Items]
Utilized Balance	6,012,337,000	6,402,327,000
Committed Amount	11,551,275,000	11,843,137,000
Assets Pledged	6,969,723,000	6,957,408,000
Restricted Cash Pledged	$ 211,855,000	$ 197,854,000
Line of credit, due December 2016
Line Of Credit Facility [Line Items]
Maturity Date	2016-12	2016-12
Utilized Balance	$ 500,000,000	$ 500,000,000
Committed Amount	$ 500,000,000	$ 500,000,000
Effective Rate	2.49%	2.46%
Assets Pledged	$ 0	$ 1,340,000
Restricted Cash Pledged	$ 0	$ 0
Line of credit, due December 2018
Line Of Credit Facility [Line Items]
Maturity Date	2018-12	2018-12
Utilized Balance	$ 0	$ 0
Committed Amount	$ 500,000,000	$ 500,000,000
Effective Rate	0.00%	0.00%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	$ 0	$ 0
Line of credit, due December 2016
Line Of Credit Facility [Line Items]
Maturity Date	2016-12	2016-12
Utilized Balance	$ 1,750,000,000	$ 1,750,000,000
Committed Amount	$ 1,750,000,000	$ 1,750,000,000
Effective Rate	2.40%	2.33%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	$ 0	$ 0
Line of credit, due December 2018
Line Of Credit Facility [Line Items]
Maturity Date	2018-12	2018-12
Utilized Balance	$ 1,710,000,000	$ 1,140,000,000
Committed Amount	$ 1,750,000,000	$ 1,750,000,000
Effective Rate	2.82%	2.85%
Assets Pledged	$ 0	$ 9,701,000
Restricted Cash Pledged	$ 0	$ 0
Line of credit, due March 2017
Line Of Credit Facility [Line Items]
Maturity Date	2017-03	2017-03
Utilized Balance	$ 300,000,000	$ 300,000,000
Committed Amount	$ 300,000,000	$ 300,000,000
Effective Rate	1.74%	1.71%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	0	0
Total facilities with Santander and related subsidiaries
Line Of Credit Facility [Line Items]
Utilized Balance	4,260,000,000	3,690,000,000
Committed Amount	4,800,000,000	4,800,000,000
Assets Pledged	0	11,041,000
Restricted Cash Pledged	0	0
Revolving credit facilities
Line Of Credit Facility [Line Items]
Utilized Balance	10,272,337,000	10,092,327,000
Committed Amount	16,351,275,000	16,643,137,000
Assets Pledged	6,969,723,000	6,968,449,000
Restricted Cash Pledged	$ 211,855,000	$ 197,854,000
Repurchase Facilities with Maturity up to 30 Days
Line Of Credit Facility [Line Items]
Debt term	30 days
Repurchase Facilities with Maturity up to 90 Days
Line Of Credit Facility [Line Items]
Debt term	90 days

Debt - Summary of Secured Struc

Debt - Summary of Secured Structured Financings (Details) - USD ($) $ in Thousands	1 Months Ended		6 Months Ended	12 Months Ended
	Jul. 31, 2015	May. 31, 2015	Jun. 30, 2015	Dec. 31, 2014	Jul. 22, 2015
Debt Instrument [Line Items]
Balance			$ 20,340,365	$ 17,718,974
Initial Note Amounts Issued			6,012,337	6,402,327
Secured Structured Financings
Debt Instrument [Line Items]
Balance			20,340,365	17,718,974
Initial Note Amounts Issued			39,513,269	35,182,041
Collateral			26,704,488	23,460,239
Restricted Cash			1,785,915	$ 1,465,085
Secured Structured Financings | 2010 Securitizations
Debt Instrument [Line Items]
Original Estimated Maturity Dates				2017-11
Balance				$ 81,907
Initial Note Amounts Issued				$ 1,632,420
Initial Weighted Average Interest Rate				1.04%
Collateral				$ 234,706
Restricted Cash				58,740
Secured Structured Financings | 2011 Securitizations
Debt Instrument [Line Items]
Balance			276,588	421,315
Initial Note Amounts Issued			2,860,320	3,536,550
Collateral			417,353	699,875
Restricted Cash			$ 88,404	$ 115,962
Secured Structured Financings | 2011 Securitizations | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2017-02	2016-06
Initial Weighted Average Interest Rate			1.41%	1.21%
Secured Structured Financings | 2011 Securitizations | Maximum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2017-09	2017-09
Initial Weighted Average Interest Rate			2.02%	2.80%
Secured Structured Financings | 2012 Securitizations
Debt Instrument [Line Items]
Balance			$ 1,659,405	$ 2,296,687
Initial Note Amounts Issued			8,023,840	8,023,840
Collateral			2,293,938	3,006,426
Restricted Cash			$ 300,050	$ 318,373
Secured Structured Financings | 2012 Securitizations | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2017-11	2017-11
Initial Weighted Average Interest Rate			0.92%	0.92%
Secured Structured Financings | 2012 Securitizations | Maximum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2018-12	2018-12
Initial Weighted Average Interest Rate			1.68%	1.68%
Secured Structured Financings | 2013 Securitizations
Debt Instrument [Line Items]
Balance			$ 2,656,337	$ 3,426,242
Initial Note Amounts Issued			6,689,700	6,689,700
Collateral			3,336,520	4,231,006
Restricted Cash			$ 304,549	$ 320,182
Secured Structured Financings | 2013 Securitizations | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2019-01	2019-01
Initial Weighted Average Interest Rate			0.89%	0.89%
Secured Structured Financings | 2013 Securitizations | Maximum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2021-01	2021-01
Initial Weighted Average Interest Rate			1.59%	1.59%
Secured Structured Financings | 2014 Securitizations
Debt Instrument [Line Items]
Balance			$ 3,983,728	$ 5,211,346
Initial Note Amounts Issued			6,800,420	6,800,420
Collateral			4,958,150	6,173,229
Restricted Cash			$ 372,680	$ 370,790
Secured Structured Financings | 2014 Securitizations | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2018-08	2018-08
Initial Weighted Average Interest Rate			1.16%	1.16%
Secured Structured Financings | 2014 Securitizations | Maximum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2021-01	2021-01
Initial Weighted Average Interest Rate			1.72%	1.72%
Secured Structured Financings | 2015 Securitizations
Debt Instrument [Line Items]
Balance			$ 4,981,886
Initial Note Amounts Issued			5,394,002
Collateral			5,909,912
Restricted Cash			$ 338,632
Secured Structured Financings | 2015 Securitizations | Subsequent Event
Debt Instrument [Line Items]
Balance					$ 664,730
Secured Structured Financings | 2015 Securitizations | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2019-09
Initial Weighted Average Interest Rate			1.33%
Secured Structured Financings | 2015 Securitizations | Maximum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2022-07
Initial Weighted Average Interest Rate			2.07%
Secured Structured Financings | Public Securitizations
Debt Instrument [Line Items]
Balance			$ 13,557,944	$ 11,437,497
Initial Note Amounts Issued			29,768,282	26,682,930
Collateral			16,915,873	14,345,242
Restricted Cash			$ 1,404,315	$ 1,184,047
Secured Structured Financings | 2010 Private Issuances
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2011-06	2011-06
Balance			$ 138,894	$ 172,652
Initial Note Amounts Issued			$ 516,000	$ 516,000
Initial Weighted Average Interest Rate			1.29%	1.29%
Collateral			$ 269,972	$ 303,361
Restricted Cash			$ 7,988	$ 8,009
Secured Structured Financings | 2011 Private Issuances
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2018-12	2018-12
Balance			$ 554,188	$ 859,309
Initial Note Amounts Issued			1,700,000	1,700,000
Collateral			1,023,579	1,316,903
Restricted Cash			$ 48,168	$ 52,524
Secured Structured Financings | 2011 Private Issuances | Subsequent Event
Debt Instrument [Line Items]
Advances on private issuance	$ 487
Secured Structured Financings | 2011 Private Issuances | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate			1.46%	1.46%
Secured Structured Financings | 2011 Private Issuances | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate				1.80%
Secured Structured Financings | 2012 Private Issuances
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2016-05	2016-05
Balance			$ 330	$ 5,682
Initial Note Amounts Issued			$ 70,308	$ 70,308
Initial Weighted Average Interest Rate			1.07%	1.07%
Collateral			$ 6,848	$ 11,760
Restricted Cash			573	1,086
Secured Structured Financings | 2013 Private Issuances
Debt Instrument [Line Items]
Balance			2,619,086	2,629,278
Initial Note Amounts Issued			2,693,754	2,693,754
Collateral			3,787,493	3,703,685
Restricted Cash			$ 145,727	$ 98,063
Advances on private issuance		$ 500,000
Secured Structured Financings | 2013 Private Issuances | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2018-09	2018-09
Initial Weighted Average Interest Rate			1.13%	1.13%
Secured Structured Financings | 2013 Private Issuances | Maximum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2020-09	2020-09
Initial Weighted Average Interest Rate			1.38%	1.38%
Secured Structured Financings | 2014 Private Issuances
Debt Instrument [Line Items]
Balance			$ 2,069,420	$ 2,614,556
Initial Note Amounts Issued			3,271,175	3,519,049
Collateral			2,855,681	3,779,288
Restricted Cash			$ 107,362	$ 121,356
Secured Structured Financings | 2014 Private Issuances | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2018-03	2015-11
Initial Weighted Average Interest Rate			1.05%	1.05%
Secured Structured Financings | 2014 Private Issuances | Maximum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2021-12	2021-12
Initial Weighted Average Interest Rate			1.40%	1.85%
Secured Structured Financings | 2015 Private Issuances
Debt Instrument [Line Items]
Balance			$ 1,400,503
Initial Note Amounts Issued			1,493,750
Collateral			1,845,042
Restricted Cash			$ 71,782
Secured Structured Financings | 2015 Private Issuances | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2018-11
Initial Weighted Average Interest Rate			0.88%
Secured Structured Financings | 2015 Private Issuances | Maximum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2020-05
Initial Weighted Average Interest Rate			1.62%
Secured Structured Financings | Privately Issued Amortizing Notes
Debt Instrument [Line Items]
Balance			$ 6,782,421	$ 6,281,477
Initial Note Amounts Issued			9,744,987	8,499,111
Collateral			9,788,615	9,114,997
Restricted Cash			$ 381,600	$ 281,038

Debt - Additional Information (

Debt - Additional Information (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Mar. 06, 2014
Debt Instrument [Line Items]
Interest expense on secured structured financing	$ 70,328,000	$ 57,217,000	$ 131,180,000	$ 117,079,000
Maturity Year One
Debt Instrument [Line Items]
Debt term			3 years
Credit facility maturity date			Dec. 31, 2016
Maturity Year Two
Debt Instrument [Line Items]
Debt term			5 years
Credit facility maturity date			Dec. 31, 2018
Total facilities with Santander and related subsidiaries
Debt Instrument [Line Items]
Committed amount	$ 4,500,000,000		$ 4,500,000,000
Line of Credit Facility Five
Debt Instrument [Line Items]
Committed amount					$ 300,000,000

Variable Interest Entities - Su

Variable Interest Entities - Summary of Assets and Liabilities Related to VIEs (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Securitization Financial Asset For Which Transfer Is Accounted As Sale [Line Items]
Restricted cash	$ 3,086,229	$ 1,920,857
Finance receivables held for sale	1,570,416	46,585
Leased vehicles, net	5,189,904	4,862,783
Various other assets	486,355	403,416
Notes payable	6,012,337	6,402,327
Various other liabilities	159,396	98,654
Variable Interest Entities
Securitization Financial Asset For Which Transfer Is Accounted As Sale [Line Items]
Restricted cash	1,977,229	1,626,257
Finance receivables held for sale	1,546,393	18,712
Finance receivables held for investment, net	23,012,380	21,366,121
Leased vehicles, net	5,189,904	4,862,783
Various other assets	586,420	1,283,281
Notes payable	31,048,462	27,796,999
Various other liabilities	$ 8,980	$ 0

Variable Interest Entities - 61

Variable Interest Entities - Summary of Cash Flows Received from Securitization Trusts (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Variable Interest Entity [Line Items]
Assets securitized	$ 5,255,516	$ 5,051,048	$ 9,237,371	$ 8,367,295
Net proceeds from new securitizations	4,426,263	4,707,336	7,487,125	7,441,429
Cash received for servicing fees	172,854	153,514	332,656	299,285
Cash received upon release from reserved and restricted cash accounts	0	60	0	810
Net distributions from Trusts	416,201	384,093	716,688	710,812
Total cash received from Trusts	5,015,318	5,245,003	8,536,469	8,452,336
VIE, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Assets securitized	768,561	0	768,561	774,183
Net proceeds from new securitizations	785,983	0	785,983	765,327
Cash received for servicing fees	6,319	4,184	11,623	6,972
Total cash received from Trusts	$ 792,302	$ 4,184	$ 797,606	$ 772,299

Variable Interest Entities - Ad

Variable Interest Entities - Additional Information (Details) - USD ($)	3 Months Ended	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Securitization Financial Asset For Which Transfer Is Accounted As Sale [Line Items]
Gross retail installment contracts transferred	$ 27,360,458,000	$ 27,360,458,000		$ 24,611,624,000
VIE, Not Primary Beneficiary | Chrysler Capital
Securitization Financial Asset For Which Transfer Is Accounted As Sale [Line Items]
Gross retail installment contracts transferred	2,429,141,000	2,429,141,000		$ 2,157,808,000
Retail installment contracts gross	768,561,000	768,561,000	$ 774,183,000
Maximum exposure to loss, involvement with the VIE	$ 0	$ 0

Derivative Financial Instrume63

Derivative Financial Instruments - Additional Information (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014	Mar. 31, 2014
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Company pledged bonds retained in its own securitizations in exchange			$ 250,594,000
Warrant
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Estimated fair value of warrant	$ 0	$ 0

Derivative Financial Instrume64

Derivative Financial Instruments - Summary of Underlying Notional Amounts and Aggregate Fair Values (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Interest Rate Swap | Designated as Cash Flow Hedges
Derivative [Line Items]
Notional	$ 8,895,000	$ 8,020,000
Fair Value	(11,080)	3,827
Interest Rate Swap | Not Designated As Hedges
Derivative [Line Items]
Notional	3,128,000	3,206,000
Fair Value	(9,322)	(12,175)
Interest Rate Cap
Derivative [Line Items]
Notional	8,002,020	7,541,385
Fair Value	29,423	49,762
Options for Interest Rate Cap
Derivative [Line Items]
Notional	8,002,020	7,541,385
Fair Value	(29,446)	(49,806)
Total Return Swap
Derivative [Line Items]
Notional	0	250,594
Fair Value	$ 0	$ (1,736)

Derivative Financial Instrume65

Derivative Financial Instruments - Offsetting of Derivative Assets and Liabilities (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Offsetting of Financial Assets
Gross Amounts of Recognized Assets	$ 31,543	$ 57,916
Gross Amounts of Recognized Assets, Total derivative assets	31,543	57,916
Gross Amounts of Recognized Assets, Total financial assets	31,543	57,916
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	0	0
Gross Amounts Offset in the Condensed Consolidated Balance Sheet, Total financial assets	0	0
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet	31,543	57,916
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet, Total derivative assets	31,543	57,916
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet, Total financial assets	31,543	57,916
Total derivatives not subject to a master netting arrangement or similar arrangement	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments, Total financial assets	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Received	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Received, Total financial assets	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount	31,543	57,916
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount, Total financial assets	31,543	57,916
Offsetting of Financial Liabilities
Gross Amounts of Recognized Liabilities	51,968	66,308
Gross Amounts of Recognized Liabilities, Total derivative liabilities	51,968	68,044
Gross Amounts of Recognized Liabilities, Total financial liabilities	51,968	68,044
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	(46,252)	(54,305)
Gross Amounts Offset in the Condensed Consolidated Balance Sheet, Total derivative liabilities	(46,252)	(56,041)
Gross Amounts Offset in the Condensed Consolidated Balance Sheet, Total financial liabilities	(46,252)	(56,041)
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet	5,716	12,003
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet, Total derivative liabilities	5,716	12,003
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet, Total financial liabilities	5,716	12,003
Total derivatives not subject to a master netting arrangement or similar arrangement, Gross Amounts of Recognized Liabilities	0	1,736
Total derivatives not subject to a master netting arrangement or similar arrangement, Gross Amounts Offset in the Condensed Consolidated Balance Sheets	0	(1,736)
Total derivatives not subject to a master netting arrangement or similar arrangement, Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments, Total financial liabilities	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Pledged	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Pledged, Total financial liabilities	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount	5,716	12,003
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount, Total financial liabilities	5,716	12,003
Interest Rate Swaps | Santander and Affiliates
Offsetting of Financial Assets
Gross Amounts of Recognized Assets	910	5,208
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	0	0
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet	910	5,208
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Received	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount	910	5,208
Offsetting of Financial Liabilities
Gross Amounts of Recognized Liabilities	17,124	15,783
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	(11,408)	(4,308)
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet	5,716	11,475
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Pledged	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount	5,716	11,475
Interest Rate Swaps | Third Party
Offsetting of Financial Assets
Gross Amounts of Recognized Assets	1,211	2,946
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	0	0
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet	1,211	2,946
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Received	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount	1,211	2,946
Offsetting of Financial Liabilities
Gross Amounts of Recognized Liabilities	5,398	719
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	(5,398)	(191)
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet	0	528
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Pledged	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount	0	528
Interest Rate Caps | Santander and Affiliates
Offsetting of Financial Assets
Gross Amounts of Recognized Assets	19,049	35,602
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	0	0
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet	19,049	35,602
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Received	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount	19,049	35,602
Interest Rate Caps | Third Party
Offsetting of Financial Assets
Gross Amounts of Recognized Assets	10,373	14,160
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	0	0
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet	10,373	14,160
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Received	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount	10,373	14,160
Back to Back | Santander and Affiliates
Offsetting of Financial Liabilities
Gross Amounts of Recognized Liabilities	19,049	35,602
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	(19,049)	(35,602)
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Pledged	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount	0	0
Back to Back | Third Party
Offsetting of Financial Liabilities
Gross Amounts of Recognized Liabilities	10,397	14,204
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	(10,397)	(14,204)
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Pledged	0	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount	0	0
Total Return Swap
Offsetting of Financial Liabilities
Total derivatives not subject to a master netting arrangement or similar arrangement, Gross Amounts of Recognized Liabilities	0	1,736
Total derivatives not subject to a master netting arrangement or similar arrangement, Gross Amounts Offset in the Condensed Consolidated Balance Sheets	0	(1,736)
Total derivatives not subject to a master netting arrangement or similar arrangement, Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet	$ 0	$ 0

Derivative Financial Instrume66

Derivative Financial Instruments - Gross Gains (Losses) Reclassified from Accumulated Other Comprehensive Income (Details) - Interest Rate Swaps - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Designated as Cash Flow Hedges
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Interest Expense	$ 0	$ (47)	$ 223	$ 91
Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income (Loss)	(5,640)	(7,246)	(37,176)	(6,592)
Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income to Interest Expense	(11,266)	(1,931)	(22,337)	(4,595)
Not Designated As Hedges
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Interest Expense	$ 6,852	$ 3,199	$ 4,423	$ 8,388

Other Assets (Details)

Other Assets (Details) - USD ($) $ in Thousands	1 Months Ended
	May. 31, 2013	Jun. 30, 2015	Dec. 31, 2014
Other Assets [Line Items]
Other assets		$ 486,355	$ 403,416
Upfront fee	$ 150,000
Finance and other interest income amortization period	10 years
Upfront Fee
Other Assets [Line Items]
Other assets		117,500	125,000
Vehicles
Other Assets [Line Items]
Other assets		177,226	134,926
Manufacturer Subvention Payments Receivable
Other Assets [Line Items]
Other assets		116,480	70,213
Accounts Receivable
Other Assets [Line Items]
Other assets		26,178	18,440
Prepaids
Other Assets [Line Items]
Other assets		34,768	35,906
Derivative Assets
Other Assets [Line Items]
Other assets		11,584	17,106
Other
Other Assets [Line Items]
Other assets		$ 2,619	$ 1,825

Income Taxes - Additional Infor

Income Taxes - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Income tax expense	$ 161,230	$ 143,643	$ 302,656	$ 191,684
Effective tax rate	36.10%	36.80%	34.50%	36.90%
Related party taxes receivable	$ 0		$ 0		$ 459

Commitments and Contingencies -

Commitments and Contingencies - Additional Information (Details) - USD ($)	Feb. 25, 2015	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Jul. 30, 2015	Jun. 29, 2015	Mar. 31, 2015	Dec. 31, 2014
Contingencies And Commitments [Line Items]
Purchase commitment				Under terms of agreements with a peer-to-peer personal lending platform company, the Company has committed to purchase at least the lesser of $30,000 per month or 75% of the lending platform company’s "near-prime" (as that term is defined in the agreements) originations through July 2015, and the lesser of $30,000 per month or 50% of the lending platform company’s near-prime originations thereafter through July 2017.
Purchase commitment notice period				90 days
Unsecured revolving financing initial term ending				Apr. 30, 2020
Purchase obligation		$ 7,922,000		$ 7,922,000					$ 7,706,000
Servicing fees adjustment		0	$ 1,329,000	(147,000)	$ 3,249,000
Outstanding repurchase requests		0		0
Estimated fair value of the guarantee		5,154,000		5,154,000
Violation of Servicemembers Civil Relief Act | Civil Fine
Contingencies And Commitments [Line Items]
Civil fine, amount	$ 55,000
Violation of Servicemembers Civil Relief Act | Civil Fine to Affected Service Members | Minimum
Contingencies And Commitments [Line Items]
Civil fine, amount	9,360,000
Violation of Servicemembers Civil Relief Act | Lost Equity for Each Repossession
Contingencies And Commitments [Line Items]
Civil fine, amount	10,000
Violation of Servicemembers Civil Relief Act | Sought to Collect Repossession-related Fees
Contingencies And Commitments [Line Items]
Civil fine, amount	$ 5,000
NCEP, LLC
Contingencies And Commitments [Line Items]
Commitments to sell charged off loan receivables in bankruptcy status							$ 275,000,000	$ 200,000,000
Remaining commitment to sell charged off loan receivables		216,380,000		$ 216,380,000
CBP
Contingencies And Commitments [Line Items]
Loans servicing, loss-sharing payment ratio				0.50%
CBP | Chrysler Capital
Contingencies And Commitments [Line Items]
Maximum purchase amount committed		600,000		$ 600,000
Minimum purchase amount committed per quarter		250,000		250,000
CBP | Chrysler Capital | Subsequent Event
Contingencies And Commitments [Line Items]
Maximum purchase amount committed						$ 200,000
Minimum purchase amount committed per quarter						$ 50,000
SBNA
Contingencies And Commitments [Line Items]
Indemnification of leases		48,226,000		48,226,000
Bank of America
Contingencies And Commitments [Line Items]
Commitment to sell loans		$ 300,000,000		$ 300,000,000
Commitment to sell loans, maturity period				May 31, 2018
July 2,015
Contingencies And Commitments [Line Items]
Purchase commitment amount				$ 30,000,000
Purchase commitment percent				75.00%
July 2,017
Contingencies And Commitments [Line Items]
Purchase commitment amount				$ 30,000,000
Purchase commitment percent				50.00%

Related-Party Transactions - Ad

Related-Party Transactions - Additional Information (Details) ft² in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015USD ($)ft²	Jun. 30, 2014USD ($)	Jun. 30, 2015USD ($)ft²$ / hour	Jun. 30, 2014USD ($)$ / hour	Feb. 28, 2015	Dec. 31, 2014USD ($)	Nov. 30, 2014	Jan. 31, 2014	Dec. 31, 2013
Class of Stock [Line Items]
Depreciated net capitalized cost	$ 5,858,284,000		$ 5,858,284,000			$ 5,504,467,000
Cost method investment	6,000,000		6,000,000
Origination in unsecured revolving loans			128,837,000	$ 87,217,000
Capmark
Class of Stock [Line Items]
Ownership percentage by affiliate of noncontrolling interest owner							32.00%
Centerbridge
Class of Stock [Line Items]
Ownership percentage by noncontrolling owners (less than)					0.00%	1.00%		1.00%	7.00%
Third Party Retailer
Class of Stock [Line Items]
Advances on receivables originated under the agreement	250,687,000		408,916,000
Proceeds from receivables originated under the agreement	249,583,000		526,943,000
Santander and Affiliates
Class of Stock [Line Items]
Notional	16,301,039		16,301,039			$ 16,330,771
Collateral coverage on derivative liabilities	39,656,000		39,656,000			32,118,000
Derivative instrument interest expenses	14,986,000	$ 12,702,000	32,228,000	21,583,000
SBNA
Class of Stock [Line Items]
Servicing fee income on receivables sold	1,854,000	535,000	3,311,000	629,000
Funds receivable	7,637,000		7,637,000			0
Referral fee			$ 9,000,000
Referral fee, amortization period			10 years
Unamortized fee balance	7,200,000		$ 7,200,000			7,650,000
Referral fee income	225,000	225,000	450,000	450,000
Origination income	2,807,000	6,937,000	8,431,000	10,622,000
Credit loss indemnification of leases	40,506,000	48,226,000	40,506,000	48,226,000		44,805,000
Indemnification expense	2,576,000		2,576,000
Indemnification liability	2,127,000		2,127,000
Affiliates
Class of Stock [Line Items]
Depreciated net capitalized cost		369,114,000		369,114,000
Gain on sale of leases		5,576,000		5,576,000
Produban Servicios Informaticos Generales S.L
Class of Stock [Line Items]
Expenses incurred	21,000	22,000	123,000	75,000
Cost Method Investment
Class of Stock [Line Items]
Origination in unsecured revolving loans	$ 10,662,000	2,207,000	$ 18,288,000	2,911,000
Chairman and CEO, President and CFO and Board Member
Class of Stock [Line Items]
Area of leased property (in square foot) | ft²	373		373
Lease payments	$ 1,979,000	54,000	$ 2,501,000	108,000
Lease term			12 years
Future minimum payment of lease	81,054,000		$ 81,054,000
Original Equity Investors
Class of Stock [Line Items]
Tax indemnification payments receivable	5,472,000		5,472,000			5,504,000
Dealer Loan Portfolio | SBNA
Class of Stock [Line Items]
Servicing fee income on receivables sold	3,033,000		4,298,000
Servicer performance payments		1,259,000		1,723,000
Relationship management fees receivable	458,000		458,000			450,000
Relationship management fee income	1,448,000		3,071,000
Servicing fee expense	84,000		170,000
Servicing fees payable	27,000		27,000			$ 28,000
Loan Origination on Sales of Floorplan Inventory | SBNA
Class of Stock [Line Items]
Due to related parties	2,078,000		2,078,000
Serviced Auto Loan and Retail Installment | SBNA
Class of Stock [Line Items]
Servicing fee income on receivables sold	689,000	5,784,000	2,633,000	6,649,000
Expenses Paid for Use of CEO Private Plane | Chairman and CEO
Class of Stock [Line Items]
Related party, amount of transaction	$ 125,000	$ 141,000	$ 308,000	$ 414,000
Average hourly rate (in usd per hour) | $ / hour			5,800	5,800

Related-Party Transactions - In

Related-Party Transactions - Interest Expense and Accrued Interest (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Santander
Related Party Transaction [Line Items]
Line of credit agreement, interest expense (Note 5)	$ 26,151	$ 22,709	$ 51,635	$ 47,583
Letter of credit facility with Santander - New York Branch	0	126	0	251
Line of credit agreement, accrued interest (Note 5)	7,676		7,676		$ 7,750
Letter of credit facility with Santander - New York Branch	0		0		128
SHUSA
Related Party Transaction [Line Items]
Line of credit agreement, interest expense (Note 5)	1,313	$ 1,299	2,603	$ 1,662
Line of credit agreement, accrued interest (Note 5)	$ 232		$ 232		$ 242

Related-Party Transactions - 72

Related-Party Transactions - Information on Serviced Auto Loan and Retail Installment Contract Portfolio (Details) - Serviced Auto Loan and Retail Installment - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Related Party Transaction [Line Items]
Total serviced portfolio	$ 788,509	$ 896,300
Cash collections due to owner	22,232	21,415
Servicing fees receivable	$ 1,829	$ 2,171

Related-Party Transactions - 73

Related-Party Transactions - Information on Consumer Vehicle Lease Portfolio (Details) - SBNA - Consumer Vehicle Lease - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Related Party Transaction [Line Items]
Total serviced portfolio	$ 2,438,294	$ 1,989,967
Cash collections due to owner	7	1
Lease fundings due from owner	0	3,365
Origination and servicing fees receivable	673	10,345
Revenue share reimbursement receivable	$ 4,584	$ 1,694

Computation of Basic and Dilu74

Computation of Basic and Diluted Earnings per Common Share - Additional Information (Details) - Jun. 30, 2015 - shares shares in Thousands	Total	Total
Earnings Per Share [Abstract]
Employee stock option awards excluded from computation of earnings per share (in shares)	48,800	1,307,113

Computation of Basic and Dilu75

Computation of Basic and Diluted Earnings per Common Share - Summary of Computation of Basic and Diluted Earnings per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Earnings per common share
Net income	$ 285,464	$ 246,481	$ 574,714	$ 327,947
Weighted average number of common shares outstanding before restricted participating shares	354,625,000	348,243,000	351,806,000	347,882,000
Weighted average number of participating restricted common shares outstanding	467,000	584,000	467,000	584,000
Weighted average number of common shares outstanding	355,091,818	348,826,897	352,272,552	348,465,666
Earnings per common share (in usd per share)	$ 0.80	$ 0.71	$ 1.63	$ 0.94
Earnings per common share - assuming dilution
Net income	$ 285,464	$ 246,481	$ 574,714	$ 327,947
Weighted average number of common shares outstanding	355,091,818	348,826,897	352,272,552	348,465,666
Effect of employee stock-based awards (in shares)	4,102,000	7,555,000	3,659,000	7,543,000
Weighted average number of common shares outstanding - assuming dilution	359,193,738	356,381,921	355,932,481	356,008,288
Earnings per common share - assuming dilution (in usd per share)	$ 0.79	$ 0.69	$ 1.61	$ 0.92

Fair Value of Financial Instr76

Fair Value of Financial Instruments - Summary of Fair Value Estimates, Methods and Assumptions (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	$ 28,886	$ 33,157	$ 45,913	$ 10,531
Finance receivables held for sale	1,570,416	46,585
Finance receivables held for investment, net	24,778,311	23,915,551
Restricted cash	3,086,229	1,920,857
Notes payable — credit facilities	6,012,337	6,402,327
Notes payable — secured structured financings	20,340,365	17,718,974
Notes payable — related party	4,260,000	3,690,000
Carrying Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	28,886	33,157
Finance receivables held for sale	1,570,416	46,585
Finance receivables held for investment, net	24,778,311	23,915,551
Restricted cash	3,086,229	1,920,857
Notes payable — credit facilities	6,012,337	6,402,327
Notes payable — secured structured financings	20,340,365	17,718,974
Notes payable — related party	4,260,000	3,690,000
Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	28,886	33,157
Finance receivables held for sale	1,583,832	46,585
Finance receivables held for investment, net	26,811,953	25,576,337
Restricted cash	3,086,229	1,920,857
Notes payable — credit facilities	6,012,337	6,402,327
Notes payable — secured structured financings	20,449,462	17,810,062
Notes payable — related party	$ 4,260,000	$ 3,690,000

Fair Value of Financial Instr77

Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Transfers out of Level 3	$ 0	$ 0	$ 0	$ 0
Total Return Swap
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other liabilities					$ 1,736,000
Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	10,373,000		10,373,000		14,160,000
Due from affiliates	19,049,000		19,049,000		35,602,000
Interest Rate Swaps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets					150,000
Due from affiliates	797,000		797,000		385,000
Other liabilities	2,263,000		2,263,000		243,000
Due to affiliates	7,854,000		7,854,000		12,467,000
Interest Rate Swaps | Designated as Cash Flow Hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	1,211,000		1,211,000		2,796,000
Due from affiliates	113,000		113,000		4,823,000
Other liabilities	3,135,000		3,135,000		476,000
Due to affiliates	9,270,000		9,270,000		3,316,000
Treasury Bills
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Due from affiliates	30,991,000		30,991,000
Trading Options for Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other liabilities	10,397,000		10,397,000		14,204,000
Due to affiliates	19,049,000		19,049,000		35,602,000
Quoted Prices in Active Markets for Identical Assets (Level 1) | Total Return Swap
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other liabilities					0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	0		0		0
Due from affiliates	0		0		0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Interest Rate Swaps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets					0
Due from affiliates	0		0		0
Other liabilities	0		0		0
Due to affiliates	0		0		0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Interest Rate Swaps | Designated as Cash Flow Hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	0		0		0
Due from affiliates	0		0		0
Other liabilities	0		0		0
Due to affiliates	0		0		0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Treasury Bills
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Due from affiliates	30,991,000		30,991,000
Quoted Prices in Active Markets for Identical Assets (Level 1) | Trading Options for Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other liabilities	0		0		0
Due to affiliates	0		0		0
Significant Other Observable Inputs (Level 2) | Total Return Swap
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other liabilities					1,736,000
Significant Other Observable Inputs (Level 2) | Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	10,373,000		10,373,000		14,160,000
Due from affiliates	19,049,000		19,049,000		35,602,000
Significant Other Observable Inputs (Level 2) | Interest Rate Swaps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets					150,000
Due from affiliates	797,000		797,000		385,000
Other liabilities	2,263,000		2,263,000		243,000
Due to affiliates	7,854,000		7,854,000		12,467,000
Significant Other Observable Inputs (Level 2) | Interest Rate Swaps | Designated as Cash Flow Hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	1,211,000		1,211,000		2,796,000
Due from affiliates	113,000		113,000		4,823,000
Other liabilities	3,135,000		3,135,000		476,000
Due to affiliates	9,270,000		9,270,000		3,316,000
Significant Other Observable Inputs (Level 2) | Treasury Bills
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Due from affiliates	0		0
Significant Other Observable Inputs (Level 2) | Trading Options for Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other liabilities	10,397,000		10,397,000		14,204,000
Due to affiliates	19,049,000		19,049,000		35,602,000
Significant Unobservable Inputs (Level 3) | Total Return Swap
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other liabilities					0
Significant Unobservable Inputs (Level 3) | Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	0		0		0
Due from affiliates	0		0		0
Significant Unobservable Inputs (Level 3) | Interest Rate Swaps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets					0
Due from affiliates	0		0		0
Other liabilities	0		0		0
Due to affiliates	0		0		0
Significant Unobservable Inputs (Level 3) | Interest Rate Swaps | Designated as Cash Flow Hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	0		0		0
Due from affiliates	0		0		0
Other liabilities	0		0		0
Due to affiliates	0		0		0
Significant Unobservable Inputs (Level 3) | Treasury Bills
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Due from affiliates	0		0
Significant Unobservable Inputs (Level 3) | Trading Options for Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other liabilities	0		0		0
Due to affiliates	$ 0		$ 0		$ 0

Fair Value of Financial Instr78

Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value on Nonrecurring Basis (Details) - Vehicles - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets — vehicles	$ 177,226	$ 134,926
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets — vehicles	0	0
Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets — vehicles	177,226	134,926
Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets — vehicles	$ 0	$ 0

Employee Benefit Plans - Additi

Employee Benefit Plans - Additional Information (Details) - USD ($)	Jan. 23, 2014	Jun. 30, 2015	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2011	Dec. 31, 2014	Dec. 31, 2013	Dec. 28, 2013
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Common shares stock awards available for grant					29,000,000
Percentage of equity invested in the Company for the stock awards available for grant					8.50%
Common stock , shares issued	85,242,042	357,835,950	357,835,950			349,029,766
Expiration period			10 years
Common stock , par value (in usd per share)	$ 24	$ 0.01	$ 0.01			$ 0.01
Proceeds from the initial public offering	$ 0
Stock compensation expense	117,770,000
Share-based compensation to executives	33,845,000
Fair value of options granted in period	$ 10,216,000		$ 1,239,000
RSUs
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stock vesting period			3 years
Award holding period			1 year
Employees
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stock vesting period	5 years
Director
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stock vesting period	3 years
Certain Officers | RSUs
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stock vesting period		3 years
Omnibus Incentive Plan
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Common shares stock awards available for grant								583,890
Common stock , shares issued							5,192,640
Stock vesting period			5 years
Employee benefits and share-based compensation			$ 1,216,000	$ 1,216,000

Employee Benefit Plans - Summar

Employee Benefit Plans - Summary of Stock Options and Related Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Options outstanding, shares
Options outstanding, Beginning balance (in shares)	21,357,911,000
Granted (in shares)	161,244,000
Exercised (in shares)	(8,771,131,000)
Expired (in shares)	(15,197,000)
Forfeited (in shares)	(143,677,000)
Options outstanding, Ending balance (in shares)	12,589,150,000	21,357,911,000
Options exercisable, Ending balance (in shares)	8,391,322,000
Options Outstanding, Weighted Average Exercise Price
Options outstanding, Beginning balance (in usd per share)	$ 10.82
Granted (in usd per share)	23.27
Exercised (in usd per share)	9.86
Expired (in usd per share)	9.73
Forfeited (in usd per share)	14.47
Options outstanding, Ending balance (in usd per share)	11.62	$ 10.82
Options exercisable, Weighted average exercise price, Ending balance (in usd per share)	$ 10.29
Weighted-Average Remaining Contractual Term (Years)
Options outstanding, Weighted average remaining contractual term (Years)	6 years 9 months 18 days	7 years 2 months 12 days
Options exercisable, Weighted average remaining contractual term (Years)	6 years 7 months 6 days
Aggregate Intrinsic Value
Options outstanding, Aggregate intrinsic value	$ 175,631	$ 187,637
Exercised Aggregate intrinsic value	(121,923)
Options exercisable, Aggregate intrinsic value	$ 128,261

Shareholders' Equity - Treasury

Shareholders' Equity - Treasury Stock (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2013	Jun. 30, 2015	Dec. 31, 2014
Equity [Abstract]
Treasury stock shares		52,141	52,141
Treasury stock value		$ 983	$ 983
Number of shares repurchased prior to the IPO	3,154
Number of shares withheld to cover income taxes related to vesting of RSUs			48,987

Shareholders' Equity - Summary

Shareholders' Equity - Summary of Changes in Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Increase (Decrease) in Accumulated Other Comprehensive Loss [Roll Forward]
Beginning balance, unrealized gains (losses) on cash flow hedges			$ 3,553
Ending balance, unrealized losses on cash flow hedges	$ (5,726)		(5,726)
Unrealized Gains (Losses) on Cash Flow Hedges
Increase (Decrease) in Accumulated Other Comprehensive Loss [Roll Forward]
Beginning balance, unrealized gains (losses) on cash flow hedges	(9,290)	$ (765)	3,553	$ (2,853)
Other comprehensive loss before reclassifications	(3,458)	(4,579)	(23,249)	(4,167)
Amounts reclassified out of accumulated other comprehensive income (loss)	7,022	1,215	13,970	2,891
Ending balance, unrealized losses on cash flow hedges	$ (5,726)	$ (4,129)	$ (5,726)	$ (4,129)

Shareholders' Equity - Reclassi

Shareholders' Equity - Reclassification of Amounts Out of Accumulated Other Comprehensive Income (Loss) (Details) - Reclassification out of Accumulated Other Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income On Derivatives [Line Items]
Tax benefit	$ 161,230	$ 143,643	$ 302,656	$ 191,684
Unrealized Gains (Losses) on Cash Flow Hedges | Designated as Cash Flow Hedges
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income On Derivatives [Line Items]
Tax benefit	(4,244)	(716)	(8,367)	(1,704)
Net of tax	7,022	1,215	13,970	2,891
Unrealized Gains (Losses) on Cash Flow Hedges | Designated as Cash Flow Hedges | Interest Expense
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income On Derivatives [Line Items]
Settlements of derivatives	$ (11,266)	$ (1,931)	$ (22,337)	$ (4,595)

Subsequent Events (Details)

Subsequent Events (Details) - USD ($) $ in Thousands	Jul. 03, 2015	Jun. 30, 2015	Dec. 31, 2014
Subsequent Event [Line Items]
Finance receivables held for sale		$ 1,570,416	$ 46,585
Retail Installment Contracts
Subsequent Event [Line Items]
Finance receivables held for sale		$ 782,267
Subsequent Event | SHUSA
Subsequent Event [Line Items]
Increase in parent's total ownership percentage	9.70%