Santander Consumer USA (SC) 10-Q 29 Oct 15 2015 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2015	Oct. 23, 2015
Document And Entity Information [Abstract]
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
Document Type	10-Q
Document Period End Date	Sep. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q3
Amendment Flag	false
Entity Common Stock, Shares Outstanding		357,902,036

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents	$ 104,552	$ 33,157
Finance receivables held for sale, net	2,709,944	46,585
Finance receivables held for investment, net	23,464,030	23,915,551
Restricted cash - $37,917 and $44,805 held for affiliates, respectively	2,217,879	1,920,857
Accrued interest receivable	394,692	364,676
Leased vehicles, net	6,078,865	4,862,783
Furniture and equipment, net of accumulated depreciation of $56,219 and $45,768, respectively	50,642	41,218
Federal, state and other income taxes receivable	256,956	502,035
Related party taxes receivable	0	459
Deferred tax asset	14,488	21,244
Goodwill	74,056	74,056
Intangible assets, net of amortization of $26,857 and $21,990, respectively	53,710	53,682
Due from affiliates	63,924	102,457
Other assets	507,490	403,416
Total assets	35,991,228	32,342,176
Liabilities:
Notes payable — credit facilities	6,654,184	6,402,327
Notes payable — secured structured financings	20,027,111	17,718,974
Notes payable — related party	3,525,000	3,690,000
Accrued interest payable	19,855	17,432
Accounts payable and accrued expenses	378,552	315,130
Federal, state and other income taxes payable	417	319
Deferred tax liabilities, net	698,509	492,303
Related party taxes payable	396	0
Due to affiliates	148,250	48,688
Other liabilities	178,113	98,654
Total liabilities	$ 31,630,387	$ 28,783,827
Commitments and contingencies (Notes 5 and 10)
Equity:
Common stock, $0.01 par value - 1,100,000,000 shares authorized; 357,954,177 and 349,029,766 shares issued and 357,902,036 and 348,977,625 shares outstanding, respectively	$ 3,579	$ 3,490
Additional paid-in capital	1,592,100	1,560,519
Accumulated other comprehensive income (loss), net	(24,239)	3,553
Retained earnings	2,789,401	1,990,787
Total stockholders’ equity	4,360,841	3,558,349
Total liabilities and equity	$ 35,991,228	$ 32,342,176

CONDENSED CONSOLIDATED BALANCE3

CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Restricted cash held for affiliates	$ 37,917	$ 44,805
Accumulated depreciation	56,219	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	357,954,177	349,029,766
Common stock , shares outstanding	357,902,036	348,977,625

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Income Statement [Abstract]
Interest on finance receivables and loans	$ 1,334,655	$ 1,177,828	$ 3,885,902	$ 3,481,605
Leased vehicle income	389,537	263,148	1,077,620	629,209
Other finance and interest income	9,334	2,512	23,413	3,636
Total finance and other interest income	1,733,526	1,443,488	4,986,935	4,114,450
Interest expense — Including $49,795, $30,877, $136,261, and $101,956 to affiliates, respectively	171,420	129,135	470,898	381,895
Leased vehicle expense	296,352	200,397	850,534	499,601
Net finance and other interest income	1,265,754	1,113,956	3,665,503	3,232,954
Provision for credit losses	744,140	769,689	2,088,856	2,057,419
Net finance and other interest income after provision for credit losses	521,614	344,267	1,576,647	1,175,535
Profit sharing	11,818	10,556	46,835	66,773
Net finance and other interest income after provision for credit losses and profit sharing	509,796	333,711	1,529,812	1,108,762
Investment gains, net — Including ($5,654), $347, ($5,654) and $5,923 from affiliates, respectively	1,567	38,015	109,481	95,431
Servicing fee income — Including $4,650, $5,453, $13,665, and $17,029 from affiliates, respectively	35,910	20,547	88,756	53,051
Fees, commissions, and other — Including $225, $6,318, $9,106, and $17,390 to affiliates, respectively	93,076	91,399	288,477	275,733
Total other income	130,553	149,961	486,714	424,215
Salary and benefits expense	136,291	88,940	347,804	384,544
Repossession expense	60,770	50,738	175,066	144,817
Other operating costs — Including $2,199, $151, $7,877, and $748 from affiliates, respectively	90,282	62,228	263,280	202,219
Total operating expenses	287,343	201,906	786,150	731,580
Income before income taxes	353,006	281,766	1,230,376	801,397
Income tax expense	129,106	90,397	431,762	282,081
Net income	223,900	191,369	798,614	519,316
Other comprehensive income (loss):
Change in unrealized gains (losses) on cash flow hedges, net of tax of $11,066, $5,044, $16,626, and $4,324	(18,513)	8,685	(27,792)	7,409
Comprehensive income	$ 205,387	$ 200,054	$ 770,822	$ 526,725
Net income per common share (basic) (in usd per share)	$ 0.63	$ 0.55	$ 2.26	$ 1.49
Net income per common share (diluted) (in usd per share)	0.62	0.54	2.23	1.46
Dividends declared per common share (in usd per share)	$ 0	$ 0	$ 0	$ 0.15
Weighted average common shares (basic)	357,846,564	348,955,505	354,150,973	348,630,740
Weighted average common shares (diluted)	362,221,918	355,921,570	357,837,426	355,809,576

CONDENSED CONSOLIDATED STATEME5

CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Income Statement [Abstract]
Interest expense to affiliates	$ 49,795	$ 30,877	$ 136,261	$ 101,956
Investment gains, net from affiliates	(5,654)	347	(5,654)	5,923
Servicing fee income from affiliates	4,650	5,453	13,665	17,029
Fees, commissions and other from affiliates	225	6,318	9,106	17,390
Other operating costs from affiliates	2,199	151	7,877	748
Change in unrealized gains (losses) on chase flow hedges, tax	$ (11,066)	$ 5,044	$ (16,626)	$ 4,324

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
Beginning balance, shares at Dec. 31, 2013		346,760,000
Beginning 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		2,221,000
Stock issued in connection with employee incentive compensation plans	18,696	$ 22	18,674
Stock-based compensation expense	123,276		123,276
Net income	519,316				519,316
Other comprehensive income (loss), net of taxes	7,409			7,409
Dividends declared per common share of $0.15	(52,316)				(52,316)
Ending balance, shares at Sep. 30, 2014		348,981,000
Ending balance at Sep. 30, 2014	$ 3,303,213	$ 3,490	1,551,413	4,556	1,743,754
Beginning balance, shares at Dec. 31, 2014	348,977,625	348,978,000
Beginning 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		8,924,000
Stock issued in connection with employee incentive compensation plans	114,678	$ 89	114,589
Stock-based compensation expense	20,928		20,928
Stock-based compensation reclassified to liabilities (Note 14)	(102,799)		(102,799)
Tax sharing with affiliate	(1,137)		(1,137)
Net income	798,614				798,614
Other comprehensive income (loss), net of taxes	$ (27,792)			(27,792)
Ending balance, shares at Sep. 30, 2015	357,902,036	357,902,000
Ending balance at Sep. 30, 2015	$ 4,360,841	$ 3,579	$ 1,592,100	$ (24,239)	$ 2,789,401

CONDENSED CONSOLIDATED STATEME7

CONDENSED CONSOLIDATED STATEMENTS OF EQUITY (Unaudited) (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Statement of Stockholders' Equity [Abstract]
Dividends declared per common share (in usd per share)	$ 0	$ 0	$ 0	$ 0.15

CONDENSED CONSOLIDATED STATEME8

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Cash flows from operating activities:
Net income	$ 798,614	$ 519,316
Adjustments to reconcile net income to net cash provided by operating activities
Derivative mark to market	(678)	(15,868)
Provision for credit losses	2,088,856	2,057,419
Depreciation and amortization	936,259	561,432
Accretion of discount, net of amortization of capitalized origination costs	(752,394)	(636,604)
Originations and purchases of receivables held for sale	(3,810,662)	(3,248,055)
Proceeds from sales of and collections on receivables held for sale	3,019,253	3,264,855
Investment gains, net	(109,481)	(95,431)
Stock-based compensation	20,928	123,276
Deferred tax expense	209,884	49,358
Changes in assets and liabilities:
Accrued interest receivable	(59,538)	(83,597)
Accounts receivable	(8,832)	(10,328)
Federal income tax and other taxes	264,595	336,778
Other assets	(14,278)	(52,134)
Accrued interest payable	1,515	3,403
Other liabilities	128,461	47,660
Due to/from affiliates	10,506	(46,516)
Net cash provided by operating activities	2,723,008	2,774,964
Cash flows from investing activities:
Originations of and disbursements on finance receivables held for investment	(13,695,695)	(12,504,602)
Collections on finance receivables held for investment	7,764,374	7,042,299
Proceeds from sale of loans held for investment	1,950,276	2,392,773
Leased vehicles purchased	(4,138,748)	(3,706,763)
Manufacturer incentives received	799,252	744,089
Proceeds from sale of leased vehicles	1,717,234	412,167
Change in revolving personal loans	(197,448)	(177,478)
Purchases of furniture and equipment	(15,584)	(13,862)
Sales of furniture and equipment	310	662
Change in restricted cash	(467,165)	(425,821)
Other investing activities	(9,434)	(4,526)
Net cash used in investing activities	(6,292,628)	(6,241,062)
Cash flows from financing activities:
Proceeds from notes payable related to secured structured financings — net of debt issuance costs	11,816,224	10,310,701
Payments on notes payable related to secured structured financings	(8,343,736)	(7,071,464)
Proceeds from unsecured notes payable	5,745,000	3,348,334
Payments on unsecured notes payable	(5,910,000)	(3,681,399)
Proceeds from notes payable	20,373,451	20,028,887
Payments on notes payable	(20,121,595)	(19,405,515)
Proceeds from stock option exercises, gross	87,714	24,529
Excess tax benefit on stock option exercises	26,390	0
Repurchase of stock - employee tax withholding	(1,263)	(5,999)
Dividends paid	0	(52,316)
Cash collateral received (paid) on derivatives	(31,170)	3,698
Net cash provided by financing activities	3,641,015	3,499,456
Net increase in cash and cash equivalents	71,395	33,358
Cash — Beginning of period	33,157	10,531
Cash — End of period	104,552	43,889
Noncash investing and financing transactions:
Transfer of retail installment contracts to repossessed vehicles	$ 1,268,249	$ 1,103,809

Description of Business, Basis

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices	9 Months Ended
	Sep. 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, “SC” 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. 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 September 30, 2015 , the Company was owned approximately 59.0% by SHUSA, a subsidiary of Santander, approximately 31.2% by public shareholders, approximately 9.8% by DDFS LLC, an entity affiliated with Thomas G. Dundon, the Company’s former 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 (the "Call Transaction"). Pursuant to the Separation Agreement, because the Call Transaction was not consummated prior to October 15, 2015 (the “Call End Date”), DDFS is free to transfer any or all of its shares of Company common stock, subject to the terms and conditions of the Amended and Restated Loan Agreement, dated as of July 16, 2014, between DDFS and Santander. In the event the Call Transaction were to be completed after the Call End Date, interest would accrue on the price paid per share in the Call Transaction at the overnight LIBOR rate on the third business day preceding the consummation of the Call Transaction plus 100 basis points with respect to any shares of Company common stock ultimately sold in the Call Transaction. (Note 11). 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 September 30, 2015 and December 31, 2014 , and for the three and nine months ended September 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, net, 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 September 30, 2015 and December 31, 2014 is as follows: Related-Party Assets and Liabilities Classification as of September 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 of this guidance did not have a significant impact on the Company’s financial position, results of operations, or cash flows. 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. In August 2015, the FASB and SEC further clarified their views on debt costs incurred in connection with a line of credit arrangement with ASU 2015-15. The guidance should be applied retrospectively and will be effective for fiscal years beginning after December 31, 2015. Early adoption is permitted. The Company early adopted ASU 2015-3 in its third quarter ended September 30, 2015. The adoption of this guidance did not have a material impact to the Company’s consolidated financial statements for current or previous interim and annual reporting periods. 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. The effective date for this ASU, which was deferred by ASU 2015-14 issued in August 2015, is 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.

Finance Receivables

Finance Receivables	9 Months Ended
	Sep. 30, 2015
Receivables [Abstract]
Finance Receivables	Finance Receivables Finance receivables held for investment includes individually acquired retail installment contracts and loans, purchased receivables portfolios, capital leases (Note 3) and, prior to September 30, 2015, personal loans. The Company's portfolio of individually acquired retail installment contracts and loans held for investment was comprised of the following at September 30, 2015 and December 31, 2014 : September 30, 2015 Retail Installment Contracts Receivables from Personal Loans (a) Unpaid principal balance $ 26,718,576 $ 76,293 $ — Credit loss allowance (Note 4) (3,159,102 ) (926 ) — Discount (592,625 ) — — Capitalized origination costs and fees 46,964 — — Net carrying balance $ 23,013,813 $ 75,367 $ — (a) As of September 30, 2015 all of the Company's personal loans were classified as held for sale. 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 September 30, 2015 and December 31, 2014 : September 30, 2015 December 31, 2014 Unpaid principal balance $ 412,645 $ 846,355 Outstanding recorded investment $ 452,937 $ 873,134 Less: Impairment (177,403 ) (189,275 ) Outstanding recorded investment, net of impairment $ 275,534 $ 683,859 As of September 30, 2015 , the Company determined that it no longer had the intent to hold its personal loans for investment and that classification of all personal loans as held for sale was appropriate as of that date. In connection with the reclassification to held for sale, the Company adjusted the credit loss allowance associated with the personal loan portfolio to reflect the valuation of the portfolio at the lower of cost or market through provision for credit losses, and the adjusted credit loss allowance was released through provision for credit losses. The net impact of the reclassification of the personal loan portfolio to held for sale was a decrease to provision expense of $13,999 . Future loan originations and purchases under the Company’s personal lending platform will also be classified as held for sale. As of September 30, 2015 , personal loans held for sale totaled $1,884,191 . As of September 30, 2015 , retail installment contracts held for sale and receivables from dealers held for sale totaled $825,753 and zero , 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 nine months ended September 30, 2015 included principal balance amounts of $3,057,654 and $5,993,407 , respectively. Sales of retail installment contracts for the three and nine months ended September 30, 2014 included principal balance amounts of $2,413,251 and $5,483,149 , respectively. The Company retains servicing of sold retail installment contracts and was servicing $10,490,844 and $7,372,884 as of September 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 nine months ended September 30, 2015 were $13,730 and $117,693 , respectively. Proceeds from sales of charged-off assets for the three and nine months ended September 30, 2014 were $24,987 and $26,674 , 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, $1,058,560 and $816,100 of the unpaid principal balance represented fleet contracts with commercial borrowers as of September 30, 2015 and December 31, 2014 , respectively. Borrowers on the Company’s retail installment contracts held for investment are located in Texas ( 17% ), Florida ( 13% ), California ( 10% ), 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 September 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 Virginia ( 40% ), California ( 24% ), New York ( 19% ), Mississippi ( 8% ), Missouri ( 7% ) 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 Nine Months Ended September 30, 2015 September 30, 2014 September 30, 2015 September 30, 2014 Balance — beginning of period $ 238,372 $ 305,254 $ 264,416 $ 403,400 Accretion of accretable yield (16,509 ) (43,231 ) (64,383 ) (164,651 ) Reclassifications from (to) nonaccretable difference 16,838 36,394 38,668 59,668 Balance — end of period $ 238,701 $ 298,417 $ 238,701 $ 298,417 During the three and nine months ended September 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	9 Months Ended
	Sep. 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 September 30, 2015 and December 31, 2014 : September 30, December 31, Leased vehicles $ 8,173,562 $ 6,309,096 Less: accumulated depreciation (1,287,960 ) (804,629 ) Depreciated net capitalized cost 6,885,602 5,504,467 Manufacturer subvention payments (821,539 ) (645,874 ) Origination fees and other costs 14,802 4,190 Net book value $ 6,078,865 $ 4,862,783 During the three and nine months ended September 30, 2015 , the Company executed bulk sales of Chrysler Capital leases with an aggregate depreciated net capitalized cost of zero and $1,316,958 , respectively, and a net book value of zero 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 (Note 10). The Company retained servicing on the sold leases. Due to the accelerated depreciation permitted for tax purposes, these sales generated large taxable gains that the Company will defer 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. Any taxable gains that do not qualify for deferral will be recognized upon expiration of the reinvestment period. The following summarizes the future minimum rental payments due to the Company as lessor under operating leases as of September 30, 2015 : Remainder of 2015 $ 282,067 2016 1,014,377 2017 622,376 2018 159,777 2019 830 Thereafter — Total $ 2,079,427 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 September 30, 2015 and December 31, 2014 : September 30, December 31, Gross investment in capital leases $ 174,761 $ 137,543 Origination fees and other 138 78 Less unearned income (62,284 ) (46,193 ) Net investment in capital leases before allowance 112,615 91,428 Less: allowance for lease losses (13,299 ) (9,589 ) Net investment in capital leases $ 99,316 $ 81,839 The following summarizes the future minimum lease payments due to the Company as lessor under capital leases as of September 30, 2015 : Remainder of 2015 $ 12,179 2016 48,713 2017 48,636 2018 46,739 2019 18,225 Thereafter 269 Total $ 174,761

Credit Loss Allowance and Credi

Credit Loss Allowance and Credit Quality	9 Months Ended
	Sep. 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 nine months ended September 30, 2015 and 2014 was as follows: Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Retail Installment Receivables Personal Loans (a) Retail Installment Receivables Personal Loans Balance — beginning of period $ 3,129,646 $ 968 $ 384,735 $ 2,668,587 $ 923 $ 212,954 Provision for credit losses 640,113 (42 ) 105,813 601,414 (275 ) 167,409 Charge-offs (b) (1,108,435 ) — (499,010 ) (932,145 ) — (86,512 ) Recoveries 497,778 — 8,462 455,343 — 6,574 Balance — end of period $ 3,159,102 $ 926 $ — $ 2,793,199 $ 648 $ 300,425 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Retail Installment Receivables Personal Loans (a) 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 1,761,084 252 324,634 1,785,482 (442 ) 299,750 Charge-offs (b) (2,870,711 ) — (695,918 ) (2,385,675 ) — (194,426 ) Recoveries 1,569,508 — 22,624 1,260,758 — 15,751 Transfers to held for sale (27,117 ) — — — — — Balance — end of period $ 3,159,102 $ 926 $ — $ 2,793,199 $ 648 $ 300,425 (a) As of September 30, 2015 all of the Company's personal loans were classified as held for sale. (b) Charge-offs of retail installment contracts acquired individually include lower of cost or market adjustments of $64,140 and $73,388 for the three and nine months ended September 30, 2015 , respectively. Charge-offs of personal loans include lower of cost or market adjustments of $377,598 for the three and nine months ended September 30, 2015 , which were charged off against the credit loss allowance. During the third quarter of 2015, the Company removed the volatility associated with seasonality assumptions from the loss provisioning model for individually acquired retail installment contracts. The impact of removing the seasonality assumptions from the loss provisioning model was a $134,017 decrease in the provision for credit losses and the credit loss allowance. The impairment activity related to purchased receivables portfolios for the three and nine months ended September 30, 2015 and 2014 was as follows: Three Months Ended Nine Months Ended 2015 2014 2015 2014 Balance — beginning of period $ 179,903 $ 197,844 $ 189,275 $ 226,356 Incremental provisions for purchased receivables portfolios 175 1,606 475 3,281 Incremental reversal of provisions for purchased receivables portfolios (2,675 ) (6,490 ) (12,347 ) (36,677 ) Balance — end of period $ 177,403 $ 192,960 $ 177,403 $ 192,960 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 nine months ended September 30, 2015 and 2014 was as follows: Three Months Ended Nine Months Ended 2015 2014 2015 2014 Balance — beginning of period $ 15,570 $ — $ 9,589 $ — Provision for lease losses 756 6,106 14,758 6,106 Charge-offs (11,304 ) — (30,694 ) — Recoveries 8,277 — 19,646 — Balance — end of period $ 13,299 $ 6,106 $ 13,299 $ 6,106 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 September 30, 2015 and December 31, 2014 is as follows: September 30, 2015 Retail Installment Contracts Held for Investment Personal Loans (a) Loans Acquired Individually Purchased Receivables Portfolios Total Principal, 31-60 days past due $ 2,176,539 $ 39,106 $ 2,215,645 $ 63,422 Delinquent principal over 60 days 1,012,042 22,429 1,034,471 165,759 Total delinquent principal $ 3,188,581 $ 61,535 $ 3,250,116 $ 229,181 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 (a) As of September 30, 2015 all of the Company's personal loans were classified as held for sale. The balances in the above tables reflect total unpaid principal rather than net investment before allowance; the difference is considered insignificant. As of September 30, 2015 and December 31, 2014 , there were no receivables from dealers or retail installment contracts held for sale that were 31 days or more delinquent. Delinquencies on the capital lease portfolio, which began in 2014, were immaterial as of September 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 September 30, 2015 and December 31, 2014 was as follows: September 30, 2015 FICO ® Band Retail Installment Contracts Held for Investment (a) Personal Loans (b)(c) <540 28.2% 3.2% 540-599 36.2% 18.3% 600-639 20.4% 21.6% >640 15.2% 56.9% 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 $4,317,476 and $2,945,297 as of September 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. (c) As of September 30, 2015 all of the Company's personal loans were classified as held for sale. 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 $1,058,560 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 September 30, 2015 , $2,986 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 September 30, 2015 and December 31, 2014 were as follows: September 30, December 31, Pass $ 68,010 $ 97,903 Special Mention 8,283 2,261 Substandard — — Doubtful — — Loss — — Unpaid principal balance $ 76,293 $ 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 September 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 September 30, 2015 and December 31, 2014 : September 30, 2015 December 31, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Outstanding recorded investment $ 4,385,422 $ 15,696 $ 4,207,037 $ 17,356 Impairment (1,402,215 ) (12,568 ) (797,240 ) (6,939 ) Outstanding recorded investment, net of impairment $ 2,983,207 $ 3,128 $ 3,409,797 $ 10,417 A summary of the Company’s delinquent TDRs at September 30, 2015 and December 31, 2014 , is as follows: September 30, 2015 December 31, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Principal, 31-60 days past due $ 858,206 $ 1,647 $ 929,095 $ 1,595 Delinquent principal over 60 days 447,587 4,326 515,235 5,131 Total delinquent TDR principal $ 1,305,793 $ 5,973 $ 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 September 30, 2015 September 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Average outstanding recorded investment in TDRs $ 4,714,984 $ 16,991 $ 3,412,644 $ 17,484 Interest income recognized $ 179,618 $ 1,002 $ 130,716 $ 449 Nine Months Ended September 30, 2015 September 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Average outstanding recorded investment in TDRs $ 4,563,305 $ 17,150 $ 3,060,141 $ 13,240 Interest income recognized $ 566,508 $ 2,220 $ 363,305 $ 1,169 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 nine months ended September 30, 2015 and 2014 : Three Months Ended September 30, 2015 September 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Outstanding recorded investment before TDR $ 828,828 $ 5,270 $ 951,012 $ 6,284 Outstanding recorded investment after TDR $ 821,731 $ 5,241 $ 948,164 $ 6,311 Number of contracts 40,506 4,416 57,829 5,653 Nine Months Ended September 30, 2015 September 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Outstanding recorded investment before TDR $ 2,691,827 $ 15,048 $ 2,318,685 $ 13,032 Outstanding recorded investment after TDR $ 2,679,230 $ 14,961 $ 2,228,375 $ 12,978 Number of contracts 152,016 12,555 141,582 11,788 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 nine months ended September 30, 2015 and 2014 are summarized in the following table: Three Months Ended September 30, 2015 September 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Recorded investment in TDRs that subsequently defaulted $ 149,924 $ 2,145 $ 110,528 $ 1,054 Number of contracts 7,192 1,905 10,736 1,015 Nine Months Ended September 30, 2015 September 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Recorded investment in TDRs that subsequently defaulted $ 522,433 $ 5,346 $ 230,803 $ 1,801 Number of contracts 34,238 4,919 23,859 1,766 The following table summarizes the cumulative changes of the TDR balance, and its components, for retail installment contracts during the three and nine months ended September 30, 2015 and 2014 : Three Months Ended Nine Months Ended September 30, 2015 September 30, 2014 September 30, 2015 September 30, 2014 Balance — beginning of period $ 5,044,546 $ 3,153,771 $ 4,207,037 $ 2,609,156 New TDRs 821,731 948,164 2,679,230 2,228,375 Charge-offs (373,525 ) (253,850 ) (958,115 ) (654,717 ) Sales (895,449 ) — (904,129 ) — Paydowns (211,881 ) (176,567 ) (638,601 ) (511,296 ) Balance — end of period $ 4,385,422 $ 3,671,518 $ 4,385,422 $ 3,671,518

Debt

Debt	9 Months Ended
	Sep. 30, 2015
Debt Disclosure [Abstract]
Debt	Debt Revolving Credit Facilities The following table presents information regarding credit facilities as of September 30, 2015 and December 31, 2014 : September 30, 2015 Maturity Date(s) Utilized Balance Committed Amount Effective Rate Assets Pledged Restricted Cash Pledged Warehouse line June 2016 $ 397,021 $ 500,000 1.18% $ 544,546 $ — Warehouse line (a) Various 698,715 1,250,000 1.26% 1,001,601 39,046 Warehouse line (b) July 2017 874,320 1,260,000 1.18% 1,006,388 34,531 Warehouse line (c) July 2017 1,608,643 2,940,000 1.17% 2,481,681 30,818 Warehouse line (d) Various 1,087,977 2,500,000 1.36% 1,565,626 55,126 Warehouse line (e) October 2015 199,680 200,000 2.10% 261,042 9,433 Repurchase facility (f) December 2015 851,929 851,929 1.87% 1,966 37,844 Warehouse line March 2017 510,899 750,000 0.94% 752,083 22,528 Warehouse line (g) November 2016 175,000 175,000 1.76% — — Warehouse line (g) November 2016 250,000 250,000 1.76% — 2,501 Total facilities with third parties 6,654,184 10,676,929 7,614,933 231,827 Lines of credit with Santander and related subsidiaries (h): Line of credit December 2016 500,000 500,000 2.51% — — Line of credit December 2018 — 500,000 — — — Line of credit December 2016 1,750,000 1,750,000 2.48% — — Line of credit December 2018 975,000 1,750,000 2.89% — — Line of credit March 2017 300,000 300,000 1.76% — — Total facilities with Santander and related subsidiaries 3,525,000 4,800,000 — — Total revolving credit facilities $ 10,179,184 $ 15,476,929 $ 7,614,933 $ 231,827 (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 financing of Chrysler loans. (c) This line is held exclusively for financing of Chrysler leases. (d) In December 2016, $500,000 of the total revolving commitment under this warehouse line will expire, at which time any utilized balance attributable that portion of the commitment will become an amortizing obligation; the remainder of the commitment of $2,000,000 matures in June 2017. (e) This line is held exclusively for personal term loans. On October 26, 2015, the maturity date for this warehouse line commitment was extended to November 9, 2015. (f) The repurchase facility is collateralized by securitization notes payable retained by the Company. This facility has rolling 30 -day and 90 -day maturities. (g) These lines are collateralized by residuals retained by the Company. (h) These lines are also collateralized by securitization notes payable and residuals retained by the Company. As of September 30, 2015 and December 31, 2014 , $2,502,000 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 September 30, 2015 and December 31, 2014 : September 30, 2015 Original Estimated Maturity Date(s) Balance Initial Note Amounts Issued Initial Weighted Average Interest Rate Collateral Restricted Cash 2012 Securitizations September 2018 513,944 2,525,540 0.92%-1.23% 669,023 89,331 2013 Securitizations January 2019 - January 2021 2,309,981 6,689,700 0.89%-1.59% 2,933,188 282,213 2014 Securitizations February 2020 - January 2021 3,391,814 6,391,020 1.16%-1.72% 4,388,118 340,628 2015 Securitizations September 2019 - January 2023 7,134,737 8,257,582 1.33%-2.29% 8,862,341 482,191 Public securitizations (a) 13,350,476 23,863,842 16,852,670 1,194,363 2010 Private issuances (b) June 2011 122,632 516,000 1.29% 254,328 7,254 2011 Private issuances (c) December 2018 877,974 1,700,000 1.46% 1,310,567 54,119 2013 Private issuances September 2018-September 2020 2,187,683 2,693,754 1.13%-1.38% 3,338,749 129,631 2014 Private issuances March 2018 - December 2021 1,808,945 3,271,175 1.05%-1.40% 2,520,624 103,406 2015 Private issuances November 2018 - May 2020 1,679,401 1,993,750 0.88%-1.62% 2,406,894 73,724 Privately issued amortizing notes 6,676,635 10,174,679 9,831,162 368,134 Total secured structured financings $ 20,027,111 $ 34,038,521 $ 26,683,832 $ 1,562,497 (a) Securitizations executed under Rule 144A of the Securities Act are included within this balance. (b) This securitization was most recently amended in May 2015 to extend the maturity date to May 2016. (c) In July 2015, the Company advanced an additional $487,000 on private issuances originally executed in 2011. 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 September 30, 2015 and 2014 was $76,787 and $60,700 , respectively. Total interest expense on secured structured financings for the nine months ended September 30, 2015 and 2014 was $207,967 and $177,779 , respectively.

Variable Interest Entities

Variable Interest Entities	9 Months Ended
	Sep. 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, generally, through holding residual interests in the Trusts. These transactions are structured without recourse. The Trusts are considered VIEs under U.S. GAAP and, when the Company holds the residual interest, 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 that are potentially significant to the VIE. When the Company does not retain any debt or equity interests in its securitizations or subsequently sells such interests it 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: September 30, December 31, Restricted cash $ 1,753,979 $ 1,626,257 Finance receivables held for sale 1,593,587 18,712 Finance receivables held for investment, net 22,788,727 21,366,121 Leased vehicles, net 6,078,865 4,862,783 Various other assets 579,691 1,283,280 Notes payable 30,440,762 27,796,999 Various other liabilities 15,662 — 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 September 30, 2015 and December 31, 2014 , the Company was servicing $27,767,242 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 nine months ended September 30, 2015 and 2014 , is as follows: Three Months Ended Nine Months Ended September 30, 2015 September 30, 2014 September 30, 2015 September 30, 2014 Assets securitized $ 4,190,872 $ 3,723,447 $ 13,428,243 $ 12,090,743 Net proceeds from new securitizations (a) $ 3,356,303 $ 2,919,796 $ 10,843,428 $ 10,310,702 Cash received for servicing fees (b) 185,894 166,390 518,550 465,675 Cash received upon release from reserved and restricted cash accounts (b) — — — 810 Net distributions from Trusts (b) 329,357 426,966 1,046,045 1,137,778 Total cash received from Trusts $ 3,871,554 $ 3,513,152 $ 12,408,023 $ 11,914,965 (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 nine months ended September 30, 2015 , the Company sold zero and $768,561 of gross retail installment contracts to a VIE in an off-balance sheet securitization. During the three and nine months ended September 30, 2014 , the Company sold $1,028,278 and $1,802,461 of gross retail installment contracts to a VIE in an off-balance sheet securitization, respectively. As of September 30, 2015 and December 31, 2014 , the Company was servicing $2,157,189 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 these off-balance sheet securitization trusts during the three and nine months ended September 30, 2015 and 2014 is as follows: Three Months Ended Nine Months Ended September 30, 2015 September 30, 2014 September 30, 2015 September 30, 2014 Receivables securitized $ — $ 1,028,278 $ 768,561 $ 1,802,461 Net proceeds from new securitizations $ — $ 1,078,202 $ 785,983 $ 1,894,052 Cash received for servicing fees 5,955 3,925 17,578 10,897 Total cash received from securitization trusts $ 5,955 $ 1,082,127 $ 803,561 $ 1,904,949 During the three months ended September 30, 2015 , the Company settled transactions to sell residual interests in certain Trusts and certain retained bonds in those Trusts to an unrelated third party. The Company received cash proceeds of $661,675 for the three months ended September 30, 2015 related to the sale of these residual interests and retained bonds. The Company retained an investment in the notes issued by one of these Trusts with a carrying value of $5,577 , which also approximated fair value on the date of settlement. Each of these Trusts was previously determined to be a VIE. Prior to the sale of these residual interests, the associated Trusts were consolidated by the Company because the Company held a variable interest in each VIE and had determined that it was the primary beneficiary of the VIEs. Although the Company will continue to service the loans in the associated Trusts and, therefore, will have the power to direct the activities that most significantly impact the economic performance of the trust, the Company concluded that it was no longer the primary beneficiary of the Trusts upon the sale of the Company's residual interests. As a result, the Company deconsolidated the assets and liabilities of the corresponding trusts upon their sale. Upon settlement of these transactions in the third quarter of 2015 , the Company derecognized $1,919,171 in assets and $1,183,792 in notes payable and other liabilities of the trust. The sale of these interests resulted in a net decrease to provision for credit losses of $38,260 , after giving effect to lower of cost or market adjustments. Since deconsolidation during the three months ended September 30, 2015 , the Company received cash for servicing fees from the related trusts of $5,922 .

Derivative Financial Instrument

Derivative Financial Instruments	9 Months Ended
	Sep. 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. Ineffectiveness, if any, associated with changes in the fair value of derivatives designated as cash flow hedges is recorded currently in 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 September 30, 2015 and December 31, 2014 , were as follows: September 30, 2015 December 31, 2014 Notional Fair Value Notional Fair Value Interest rate swap agreements designated as cash flow hedges $ 8,870,000 $ (40,664 ) $ 8,020,000 $ 3,827 Interest rate swap agreements not designated as hedges 2,833,000 (12,743 ) 3,206,000 (12,175 ) Interest rate cap agreements 9,211,000 24,451 7,541,385 49,762 Options for interest rate cap agreements 9,211,000 (24,462 ) 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 September 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 September 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 September 30, 2015 Interest rate swaps - Santander & affiliates $ — $ — $ — $ — $ — $ — Interest rate swaps - third party — — — — — — Interest rate caps - Santander & affiliates 10,316 — 10,316 — — 10,316 Interest rate caps - third party 14,135 — 14,135 — — 14,135 Total derivatives subject to a master netting arrangement or similar arrangement 24,451 — 24,451 — — 24,451 Total derivatives not subject to a master netting arrangement or similar arrangement — — — — — — Total derivative assets $ 24,451 $ — $ 24,451 $ — $ — $ 24,451 Total financial assets $ 24,451 $ — $ 24,451 $ — $ — $ 24,451 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 September 30, 2015 Interest rate swaps - Santander & affiliates $ 27,598 $ (23,960 ) $ 3,638 $ — $ — $ 3,638 Interest rate swaps - third party 25,809 (22,138 ) 3,671 — — 3,671 Back to back - Santander & affiliates 10,316 (10,316 ) — — — — Back to back - third party 14,146 (14,146 ) — — — — Total derivatives subject to a master netting arrangement or similar arrangement 77,869 (70,560 ) 7,309 — — 7,309 Total return swap — — — — — — Total derivatives not subject to a master netting arrangement or similar arrangement — — — — — — Total derivative liabilities $ 77,869 $ (70,560 ) $ 7,309 $ — $ — $ 7,309 Total financial liabilities $ 77,869 $ (70,560 ) $ 7,309 $ — $ — $ 7,309 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 nine months ended September 30, 2015 and 2014 were as follows: Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 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 $ — $ (43,025 ) $ (13,446 ) $ (383 ) $ 12,822 $ (906 ) Derivative instruments not designated as hedges $ (3,746 ) $ — $ — $ 8,227 $ — $ — Nine Months Ended Nine 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 $ (80,201 ) $ (35,783 ) $ (292 ) $ 6,230 $ (5,501 ) Derivative instruments not designated as hedges $ 677 $ — $ — $ 16,615 $ — $ — The ineffectiveness related to the interest rate swap agreements designated as cash flow hedges was insignificant for the three and nine months ended September 30, 2015 and 2014 .

Other Assets

Other Assets	9 Months Ended
	Sep. 30, 2015
Other Assets [Abstract]
Other Assets	Other Assets Other assets were comprised as follows: September 30, December 31, Upfront fee (a) $ 113,750 $ 125,000 Vehicles (b) 181,791 134,926 Manufacturer subvention payments receivable (a) 127,764 70,213 Accounts receivable 27,275 18,440 Prepaids 34,044 35,906 Derivative assets (Note 7) 14,135 17,106 Other 8,731 1,825 Total other assets $ 507,490 $ 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	9 Months Ended
	Sep. 30, 2015
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The Company recorded income tax expense of $129,106 ( 36.6% effective tax rate) and $431,762 ( 35.1% effective tax rate) during the three and nine months ended September 30, 2015 , respectively. The Company recorded income tax expense of $90,397 ( 32.1% effective tax rate) and $282,081 ( 35.2% effective tax rate) during the three and nine months ended September 30, 2014 , respectively. The increase in effective tax rate for the three months ended September 30, 2015 is primarily due to favorable permanent book to tax differences recognized during the three months ended September 30, 2014 . 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 September 30, 2015 and December 31, 2014 , the Company had a net receivable from (payable to) affiliates under the tax sharing agreement of ( $396 ) and $459 , respectively, which was included in related party taxes payable 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	9 Months Ended
	Sep. 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. The Company 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 was committed as of September 30, 2015 to purchase at least the lesser of $30,000 per month or 50% of the lending platform company’s "near-prime" (as that term is defined in the agreements) originations thereafter through July 2017. This commitment could be reduced or canceled with 90 days ’ notice. On October 9, 2015, the Company sent a notice of termination to the lending platform company (Note 16). 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 September 30, 2015 and December 31, 2014 , the Company was obligated to purchase $15,681 and $7,706 , respectively, in receivables that had been originated by the retailer but not yet purchased by the Company. The Company also is required to make a profit-sharing payment to the retailer each month if performance exceeds a specified return threshold. During the three months ended September 30, 2015 , the Company and the third-party retailer executed an amendment that, among other provisions, increases the profit-sharing percentage retained by the Company, gives the retailer the right to repurchase up to 9.99% of the existing portfolio at any time during the term of the agreement, and, provided that repurchase right is exercised, gives the retailer the right to retain up to 20% of new accounts subsequently originated. 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 $904 and $1,051 for the three and nine months ended September 30, 2015 , respectively. There were no adjustments for the three months ended September 30, 2014 , and a net upward adjustment of $1,329 for the nine months ended September 30, 2014 . 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 September 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 the Company 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 a specified amount of eligible loans to the bank each month through May 2018 . Prior to October 1, 2015, the amount of this monthly commitment was $300,000 . On October 1, 2015, the Company and Bank of America amended the flow agreement to increase the maximum commitment to sell to $350,000 of eligible loans each month, and to change the required written notice period from either party, in the event of termination of the agreement, from 120 days to 90 days . 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 $3,857 , net, as of September 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 is committed to sell charged off loan receivables in bankruptcy status on a quarterly basis until sales total 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 , and another amendment on September 29, 2015 requiring sales to occur quarterly. Previous to the most recent amendment there was no requirement on the timing of sales. As of September 30, 2015 , the remaining aggregate commitment was $203,449 . 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 the Company'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 with 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. On October 15, 2015, a shareholder derivative complaint was filed in the Court of Chancery of the State of Delaware, captioned Feldman v. Jason A. Kulas, et al. , C.A. No. 11614. The lawsuit names as defendants current and former members of the Company’s board of directors, and names the Company as a nominal defendant. The complaint alleges, among other things, that the current and former director defendants breached their fiduciary duties in connection with overseeing the Company’s subprime auto lending practices, resulting in harm to the Company. The complaint seeks unspecified damages and equitable relief. 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 SEC 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 SC 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 SC and $5 for each instance where SC 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. On September 25, 2015, the DOJ notified the Company that it has initiated, based on the referral from the CFPB, an investigation under the ECOA of the Company's pricing of automobile loans. 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	9 Months Ended
	Sep. 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 nine months ended September 30, 2015 and 2014 , was as follows: Three Months Ended Nine Months Ended September 30, 2015 September 30, 2014 September 30, 2015 September 30, 2014 Line of credit agreement with Santander - New York Branch (Note 5) $ 24,638 $ 21,408 $ 76,273 $ 68,991 Line of credit agreement with SHUSA (Note 5) 1,337 1,339 3,940 3,001 Letter of credit facility with Santander - New York Branch (Note 5) — 128 — 379 Accrued interest for affiliate lines/letters of credit at September 30, 2015 and December 31, 2014 , was as follows: September 30, 2015 December 31, 2014 Line of credit agreement with Santander - New York Branch (Note 5) $ 7,979 $ 7,750 Line of credit agreement with SHUSA (Note 5) 235 242 Letter of credit facility with Santander - New York Branch (Note 5) — 128 In August 2015, under a new agreement with Santander, the Company began paying Santander a fee of 12.5 basis points (per annum) on certain warehouse lines, as they renew, for which Santander provides a guarantee of the Company's servicing obligations. The Company recognized guarantee fee expense of $1,535 for the three months ended September 30, 2015 . As of September 30, 2015 , the company had $1,535 of related fees payable to Santander. The Company has derivative financial instruments with Santander and affiliates with outstanding notional amounts of $14,887,000 and $16,330,771 at September 30, 2015 and December 31, 2014 , respectively (Note 7). The Company had a collateral overage on derivative liabilities with Santander and affiliates of $49,591 and $32,118 at September 30, 2015 and December 31, 2014 , respectively. Interest expense on these agreements includes amounts totaling $22,285 and $8,002 for the three months ended September 30, 2015 and 2014 , respectively, and $54,513 and $29,585 for the nine months ended September 30, 2015 and 2014 , respectively. Until October 1, 2014, the Company had a origination and servicing 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 $2,897 and $7,195 for the three and nine months ended September 30, 2014 , including $1,209 and $2,932 in servicer performance payments. Effective October 1, 2014, the origination and servicing agreements were terminated and replaced with revised agreements requiring SC to permit SBNA first right to review and assess Chrysler Capital dealer lending opportunities and requiring SBNA to pay SC a relationship management fee based upon the performance and yields of Chrysler Capital dealer loans held by SBNA. As of September 30, 2015 and December 31, 2014 , the Company had relationship management fees receivable from SBNA of $403 and $450 , respectively. The Company recognized $1,186 and $4,257 of relationship management fee income for the three and nine months ended September 30, 2015 , respectively. These agreements also transferred the servicing of all Chrysler Capital receivables from dealers, including receivables held by SBNA and by SC, from SC to SBNA. Servicing fee expense under this new agreement totaled $48 and $218 for the three and nine months ended September 30, 2015 , respectively. As of September 30, 2015 and December 31, 2014 , the Company had $14 and $28 , respectively, of servicing fees payable to SBNA. 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 no outstanding receivable from SBNA as of September 30, 2015 or December 31, 2014 for such advances. Under the 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. The Company owed SBNA $1,988 and zero , related to such originations, as of September 30, 2015 and December 31, 2014 , respectively. 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 SC 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 September 30, 2015 and December 31, 2014 , the unamortized fee balance was $6,975 and $7,650 , respectively. The Company recognized $225 and $675 of income related to the referral fee for each of the three and nine months ended September 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 $1,589 and $2,217 for the three months ended September 30, 2015 and 2014 , respectively, and $4,222 and $8,866 for the nine months ended September 30, 2015 and 2014 , respectively. Other information on the serviced auto loan and retail installment contract portfolios for SBNA as of September 30, 2015 and December 31, 2014 is as follows: September 30, December 31, Total serviced portfolio $ 735,359 $ 896,300 Cash collections due to owner 20,335 21,415 Servicing fees receivable 1,713 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. The Company 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 zero and $6,093 for the three months ended September 30, 2015 and 2014 , respectively, and $8,431 and $16,715 for the nine months ended September 30, 2015 and 2014 , respectively. Servicing fee income recognized on leases serviced for SBNA totaled $1,875 and $339 for the three months ended September 30, 2015 and 2014 , respectively, and $5,186 and $968 for the nine months ended September 30, 2015 and 2014 , respectively. Other information on the consumer vehicle lease portfolio serviced for SBNA as of September 30, 2015 and December 31, 2014 is as follows: September 30, December 31, Total serviced portfolio $ 2,327,624 $ 1,989,967 Cash collections due to owner 61 1 Lease fundings due from owner — 3,365 Origination and servicing fees receivable 772 10,345 Revenue share reimbursement receivable 1,127 1,694 On June 30, 2014, the Company entered into an indemnification agreement with SBNA whereby SC 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 the time of the agreement, SC 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 SC, in the case of payments and sale proceeds. As of September 30, 2015 and December 31, 2014 , the balance in the collateral account was $37,917 and $44,805 , respectively. For the three and nine months ended September 30, 2015 the Company recognized an indemnification expense of $566 and $3,142 , respectively, As of September 30, 2015 and December 31, 2014 , we had a recorded liability of $2,691 and zero , respectively, 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 nine months ended September 30, 2015 , the Company sold leases with a depreciated net capitalized cost of zero and $369,114 for a gain of zero and $5,576 for the three and nine months ended September 30, 2014 , respectively. The Company also sold $18,227 of receivables from dealers resulting in a gain of $347 for the three and nine months ended September 30, 2014 . At the first anniversary date of the sale, which occurred during the three months ended September 30, 2015 , the Company received $346 in additional proceeds related to the sale due to the satisfaction of conditions specified at the time of the sale. The Company is entitled to additional proceeds totaling $347 if the conditions continue to be met on the second anniversary of the sale. 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 $22 and zero for the three months ended September 30, 2015 and 2014 , respectively, and $145 and $75 for the nine months ended September 30, 2015 and 2014 , respectively. The Company is party to an MSA with a company in which it has a cost method investment and holds a warrant to increase its ownership if certain vesting conditions are satisfied. The MSA enables SC to review credit applications of retail store customers. Under terms of the MSA, the Company originated personal revolving loans of $4,683 and $3,237 during the three months ended September 30, 2015 and 2014 , respectively, and $22,971 and $6,148 during the nine months ended September 30, 2015 and 2014 , respectively. During the three months ended September 30, 2015 , the company fully impaired its cost method investment in this entity and recorded a loss of $6,000 in 'investment gains, net' in the accompanying condensed consolidated statement of income and comprehensive income. 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. The Separation Agreement also provided for the modification of terms for certain equity based awards (Note 14). Certain of the payments, agreements to make payments and benefits may be effective only upon receipt of certain required regulatory approvals. During the three months ended September 30, 2015 , the Company recognized $12,340 in severance related expenses, and $9,881 in stock compensation expense in connection with Mr. Dundon’s departure and the terms of the Separation Agreement. As of September 30, 2015 , the Company had recorded a liability for $115,139 in contemplation of the payments and benefits due under the terms of the Separation Agreement. Mr. Dundon will continue to serve as a Director of the Company's Board, and will serve as a consultant to the Company for twelve months from the date of the Separation Agreement at a mutually agreed rate, subject to required bank regulatory approvals. As of September 30, 2015 , the Company has not made any payments to Mr. Dundon arising from or pursuant to the terms of the Separation Agreement. As of July 3, 2015, SHUSA and Mr. Dundon entered into the Separation Agreement, by which SHUSA was deemed to have delivered an irrevocable notice to exercise a call option with respect to all the shares of Company common stock owned by DDFS LLC and consummate the Call Transaction, subject to required bank regulatory approvals and any other approvals required by law being obtained (Note 1). Pursuant to the Separation Agreement, because the Call Transaction was not consummated prior to the Call End Date, DDFS is free to transfer any or all of its shares of Company common stock, subject to the terms and conditions of the Amended and Restated Loan Agreement, dated as of July 16, 2014, between DDFS and Santander. In the event the Call Transaction were to be completed after the Call End Date, interest would accrue on the price paid per share in the Call Transaction at the overnight LIBOR rate on the third business day preceding the consummation of the Call Transaction plus 100 basis points with respect to any shares of Company common stock ultimately sold in the Call Transaction. During the three and nine months ended September 30, 2015 , the Company paid certain expenses incurred by Mr. Dundon in the operation of a private plane in which he owns a partial interest when used for SC 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 September 30, 2015 and 2014 , the Company paid $59 and $115 , respectively, to Meregrass, Inc., the company managing the plane's operations, with an average rate of $5.8 per hour. For the nine months ended September 30, 2015 and 2014 , the Company paid $367 and $529 , respectively, to Meregrass, Inc., with an average hourly rate of $5.8 . Under an agreement with Mr. Dundon, the Company is provided access to a suite at an event center that is leased by Mr. Dundon, and which the Company uses for business purposes. The Company reimburses Mr. Dundon for the use of this space on a periodic basis. During the three and nine months ended September 30, 2015, the Company reimbursed Mr. Dundon $200 for the use of this space. As of September 30, 2015 , the Company had a payable of $200 to Mr. Dundon related to the use of this suite. As of September 30, 2015 , Jason Kulas, the Company's current CEO, Mr. Dundon, and a Santander employee who was a member of the SC 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 September 30, 2015 and 2014 , the Company paid $1,504 and $36 , respectively, in lease payments on this property. For the nine months ended September 30, 2015 and 2014 , the Company paid $4,005 and $144 , respectively, in lease payments on this property. Future minimum lease payments for the 12 -year term of the lease total $79,550 . 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 owned an approximately 32% interest, acquired the retailer. Prior to SC's IPO in January 2014, Centerbridge had a 7% indirect ownership interest in SC. Immediately after the IPO, Centerbridge had an approximately 1% interest in SC, 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 SC'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 nine months ended September 30, 2015 , but only through the date these individuals were considered related parties (July 15, 2015), the Company advanced $33,423 and $442,339 , respectively, to the retailer, and received $48,236 and $575,179 , respectively, in payments on receivables originated under its agreements with the retailer. At December 31, 2014 , the Company had tax indemnification payments receivable of $5,504 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 SC until February 2015, and both investors had representation on SC'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	9 Months Ended
	Sep. 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. The calculation of earnings per share excludes employee stock option awards of 1,520,113 and 1,731,329 for the three months ended September 30, 2015 and 2014 , and 1,520,113 and 1,539,861 for the nine months ended September 30, 2015 and 2014 , respectively, as the effect of those securities would be anti-dilutive. Three Months Ended Nine Months Ended 2015 2014 2015 2014 Earnings per common share Net income $ 223,900 $ 191,369 $ 798,614 $ 519,316 Weighted average number of common shares outstanding before restricted participating shares (in thousands) 357,380 348,372 353,684 348,047 Weighted average number of participating restricted common shares outstanding (in thousands) 467 584 467 584 Weighted average number of common shares outstanding (in thousands) 357,847 348,956 354,151 348,631 Earnings per common share $ 0.63 $ 0.55 $ 2.26 $ 1.49 Earnings per common share - assuming dilution Net income $ 223,900 $ 191,369 $ 798,614 $ 519,316 Weighted average number of common shares outstanding (in thousands) 357,847 348,956 354,151 348,631 Effect of employee stock-based awards (in thousands) 4,375 6,966 3,686 7,179 Weighted average number of common shares outstanding - assuming dilution (in thousands) 362,222 355,922 357,837 355,810 Earnings per common share - assuming dilution $ 0.62 $ 0.54 $ 2.23 $ 1.46

Fair Value of Financial Instrum

Fair Value of Financial Instruments	9 Months Ended
	Sep. 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: September 30, 2015 December 31, 2014 Level Carrying Estimated Carrying Estimated Cash and cash equivalents (a) 1 $ 104,552 $ 104,552 $ 33,157 $ 33,157 Receivables held for sale (b) 2 2,709,944 2,760,561 46,585 46,585 Finance receivables held for investment, net (c) 3 23,464,030 25,150,822 23,915,551 25,576,337 Restricted cash (a) 1 2,217,879 2,217,879 1,920,857 1,920,857 Notes payable — credit facilities (d) 3 6,654,184 6,654,184 6,402,327 6,402,327 Notes payable — secured structured financings (e) 2 20,027,111 20,131,570 17,718,974 17,810,062 Notes payable — related party (f) 3 3,525,000 3,525,000 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. Receivables held for sale also includes personal loans carried at cost, net of impairment, as of September 30, 2015. (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 were carried at amortized cost, net of credit loss allowance. The estimated fair value was 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 September 30, 2015 and December 31, 2014 , and are categorized using the fair value hierarchy: Fair Value Measurements at September 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) $ 14,135 $ — $ 14,135 $ — Due from affiliates — trading interest rate caps (a) 10,316 — 10,316 — Due from affiliates — treasury bills (c) 29,915 29,915 — — Other liabilities — trading options for interest rate caps (a) 14,146 — 14,146 — Due to affiliates — trading options for interest rate caps (a) 10,316 — 10,316 — Other liabilities — cash flow hedging interest rate swaps (a) 23,697 — 23,697 — Due to affiliates — cash flow hedging interest rate swaps (a) 16,967 — 16,967 — Other liabilities — trading interest rate swaps (a) 2,112 — 2,112 — Due to affiliates — trading interest rate swaps (a) 10,631 — 10,631 — 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 was valued based on the estimated market value of the underlying bonds pledged to the associated credit facility. (c) Treasury bills are valued using unadjusted quoted prices in active markets for identical assets. There were no amounts transferred into or out of Level 3 during the three and nine months ended September 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 September 30, 2015 and December 31, 2014 , and are categorized using the fair value hierarchy: Fair Value Measurements at September 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 $ 181,791 $ — $ 181,791 $ — 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	9 Months Ended
	Sep. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Employee Benefit Plans	Employee Benefit Plans SC 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 $7,423 and $637 recorded for the three months ended September 30, 2015 and 2014 , respectively, and $8,639 and $1,853 recorded for the nine months ended September 30, 2015 and 2014 , respectively. Compensation expense recognized during the three and nine months ended September 30, 2015 included $9,881 related to the acceleration of vesting certain awards modified in accordance with the Separation Agreement with Mr. Dundon. 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 nine months ended September 30, 2015 to employees; the estimated compensation costs associated with these additional grants is $3,355 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 nine months ended September 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 433,844 24.29 — — Exercised (8,893,119 ) 9.85 — (123,621 ) Expired (15,197 ) — — — Forfeited (225,935 ) 16.98 — — Options outstanding at September 30, 2015 12,657,504 11.85 6.6 108,438 Options exercisable at September 30, 2015 8,933,385 11.27 6.5 81,754 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 . In connection with the departure of Mr. Dundon on July 2, 2015 and pursuant to the Separation Agreement, the Company modified certain equity-based awards previously made to Mr. Dundon such that Mr. Dundon’s unvested RSUs 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 law. Subject to applicable regulatory approvals and 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 would be 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 on July 2, 2015. Following the modification of Mr. Dundon's stock option awards, subject to applicable regulatory approvals and law, the Company determined that the modified stock option awards should no longer be accounted for within equity, and should be recognized as a liability at fair value. In addition, the modification and immediate vesting of Mr. Dundon's unvested RSUs also resulted in the Company recognizing additional stock compensation expense based upon the fair value of the restricted stock awards on the date of the modification. The Company transferred $102,799 from 'Additional Paid-in Capital' to 'Due to affiliates' (Note 11) in connection with the stock option modification and cash settlement option exercise, and recognized an additional $9,881 in stock compensation expense during the three months ended September 30, 2015 for all equity-based award modifications. As of September 30, 2015 , the Company had not made any payments associated with Mr. Dundon's exercise of the cash settlement option, and the Company had recorded a liability in 'Due to affiliates' of $102,799 associated with the modified awards.

Shareholders' Equity

Shareholders' Equity	9 Months Ended
	Sep. 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 September 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 nine months ended September 30, 2015 and 2014 is as follows: Three Months Ended Nine Months Ended September 30, 2015 September 30, 2014 September 30, 2015 September 30, 2014 Beginning balance, unrealized gains (losses) on cash flow hedges $ (5,726 ) $ (4,129 ) $ 3,553 $ (2,853 ) Other comprehensive loss before reclassifications (26,929 ) 8,115 (50,178 ) 3,949 Amounts reclassified out of accumulated other comprehensive income (loss)(a) 8,416 570 22,386 3,460 Ending balance, unrealized losses on cash flow hedges $ (24,239 ) $ 4,556 $ (24,239 ) $ 4,556 (a) Amounts reclassified out of accumulated other comprehensive income (loss) during the three and nine months ended September 30, 2015 and 2014 consist of the following: Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges: Settlements of derivatives $ 13,446 Interest expense $ 906 Interest expense Tax benefit (5,030 ) (336 ) Net of tax $ 8,416 $ 570 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges: Settlements of derivatives $ 35,783 Interest expense $ 5,501 Interest expense Tax expense (benefit) (13,397 ) (2,041 ) Net of tax $ 22,386 $ 3,460 Dividend Restrictions The Dodd-Frank Act requires certain banks and bank holding companies, including SHUSA, to perform stress testing 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 SHUSA 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	9 Months Ended
	Sep. 30, 2015
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events Termination of a Loan Purchase Agreement In connection with the Company's strategic evaluation of its personal lending portfolio, the Company decided to reduce its exposure to personal loans on a prospective basis. In connection with that decision, on October 9, 2015, the Company delivered a 90 -day notice of termination of a loan purchase agreement between the Company and a peer-to-peer personal lending platform company. Under that agreement, the Company had committed to purchase at least the lesser of $30,000 per month or 50% of the lending platform company’s "near-prime" (as that term is defined in the agreements) originations. In accordance with the provisions of the Loan Purchase Agreement, the termination of the agreement will be effective 90 days following delivery of the notice.

Description of Business, Basi25

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices (Policies)	9 Months Ended
	Sep. 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 September 30, 2015 and December 31, 2014 , and for the three and nine months ended September 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, net, 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 September 30, 2015 and December 31, 2014 is as follows: Related-Party Assets and Liabilities Classification as of September 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 of this guidance did not have a significant impact on the Company’s financial position, results of operations, or cash flows. 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. In August 2015, the FASB and SEC further clarified their views on debt costs incurred in connection with a line of credit arrangement with ASU 2015-15. The guidance should be applied retrospectively and will be effective for fiscal years beginning after December 31, 2015. Early adoption is permitted. The Company early adopted ASU 2015-3 in its third quarter ended September 30, 2015. The adoption of this guidance did not have a material impact to the Company’s consolidated financial statements for current or previous interim and annual reporting periods. 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. The effective date for this ASU, which was deferred by ASU 2015-14 issued in August 2015, is 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.

Finance Receivables (Tables)

Finance Receivables (Tables)	9 Months Ended
	Sep. 30, 2015
Receivables [Abstract]
Portfolio of Individually Acquired Retail Installment Contracts, Loans Held for Investment and Purchased Receivables with Deteriorated Credit Quality	The Company's portfolio of individually acquired retail installment contracts and loans held for investment was comprised of the following at September 30, 2015 and December 31, 2014 : September 30, 2015 Retail Installment Contracts Receivables from Personal Loans (a) Unpaid principal balance $ 26,718,576 $ 76,293 $ — Credit loss allowance (Note 4) (3,159,102 ) (926 ) — Discount (592,625 ) — — Capitalized origination costs and fees 46,964 — — Net carrying balance $ 23,013,813 $ 75,367 $ — (a) As of September 30, 2015 all of the Company's personal loans were classified as held for sale. 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 September 30, 2015 and December 31, 2014 : September 30, 2015 December 31, 2014 Unpaid principal balance $ 412,645 $ 846,355 Outstanding recorded investment $ 452,937 $ 873,134 Less: Impairment (177,403 ) (189,275 ) Outstanding recorded investment, net of impairment $ 275,534 $ 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 Nine Months Ended September 30, 2015 September 30, 2014 September 30, 2015 September 30, 2014 Balance — beginning of period $ 238,372 $ 305,254 $ 264,416 $ 403,400 Accretion of accretable yield (16,509 ) (43,231 ) (64,383 ) (164,651 ) Reclassifications from (to) nonaccretable difference 16,838 36,394 38,668 59,668 Balance — end of period $ 238,701 $ 298,417 $ 238,701 $ 298,417

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 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 September 30, 2015 and December 31, 2014 : September 30, December 31, Leased vehicles $ 8,173,562 $ 6,309,096 Less: accumulated depreciation (1,287,960 ) (804,629 ) Depreciated net capitalized cost 6,885,602 5,504,467 Manufacturer subvention payments (821,539 ) (645,874 ) Origination fees and other costs 14,802 4,190 Net book value $ 6,078,865 $ 4,862,783
Summary of Minimum Rental Payments under Operating Leases	The following summarizes the future minimum rental payments due to the Company as lessor under operating leases as of September 30, 2015 : Remainder of 2015 $ 282,067 2016 1,014,377 2017 622,376 2018 159,777 2019 830 Thereafter — Total $ 2,079,427
Schedule of Capital Lease Receivables	Capital lease receivables, net consisted of the following as of September 30, 2015 and December 31, 2014 : September 30, December 31, Gross investment in capital leases $ 174,761 $ 137,543 Origination fees and other 138 78 Less unearned income (62,284 ) (46,193 ) Net investment in capital leases before allowance 112,615 91,428 Less: allowance for lease losses (13,299 ) (9,589 ) Net investment in capital leases $ 99,316 $ 81,839
Summary of Future Minimum Lease Payments for Capital Leases	The following summarizes the future minimum lease payments due to the Company as lessor under capital leases as of September 30, 2015 : Remainder of 2015 $ 12,179 2016 48,713 2017 48,636 2018 46,739 2019 18,225 Thereafter 269 Total $ 174,761

Credit Loss Allowance and Cre28

Credit Loss Allowance and Credit Quality (Tables)	9 Months Ended
	Sep. 30, 2015
Loans and Leases Receivable, Allowance [Abstract]
Summary of Activity in Loan Loss Allowance	The activity in the lease loss allowance for capital leases for the three and nine months ended September 30, 2015 and 2014 was as follows: Three Months Ended Nine Months Ended 2015 2014 2015 2014 Balance — beginning of period $ 15,570 $ — $ 9,589 $ — Provision for lease losses 756 6,106 14,758 6,106 Charge-offs (11,304 ) — (30,694 ) — Recoveries 8,277 — 19,646 — Balance — end of period $ 13,299 $ 6,106 $ 13,299 $ 6,106 The activity in the credit loss allowance for individually acquired loans for the three and nine months ended September 30, 2015 and 2014 was as follows: Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Retail Installment Receivables Personal Loans (a) Retail Installment Receivables Personal Loans Balance — beginning of period $ 3,129,646 $ 968 $ 384,735 $ 2,668,587 $ 923 $ 212,954 Provision for credit losses 640,113 (42 ) 105,813 601,414 (275 ) 167,409 Charge-offs (b) (1,108,435 ) — (499,010 ) (932,145 ) — (86,512 ) Recoveries 497,778 — 8,462 455,343 — 6,574 Balance — end of period $ 3,159,102 $ 926 $ — $ 2,793,199 $ 648 $ 300,425 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Retail Installment Receivables Personal Loans (a) 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 1,761,084 252 324,634 1,785,482 (442 ) 299,750 Charge-offs (b) (2,870,711 ) — (695,918 ) (2,385,675 ) — (194,426 ) Recoveries 1,569,508 — 22,624 1,260,758 — 15,751 Transfers to held for sale (27,117 ) — — — — — Balance — end of period $ 3,159,102 $ 926 $ — $ 2,793,199 $ 648 $ 300,425 (a) As of September 30, 2015 all of the Company's personal loans were classified as held for sale. (b) Charge-offs of retail installment contracts acquired individually include lower of cost or market adjustments of $64,140 and $73,388 for the three and nine months ended September 30, 2015 , respectively. Charge-offs of personal loans include lower of cost or market adjustments of $377,598 for the three and nine months ended September 30, 2015 , which were charged off against the credit loss allowance.
Summary of Impairment Activity Related to Purchased Receivables Portfolios	The impairment activity related to purchased receivables portfolios for the three and nine months ended September 30, 2015 and 2014 was as follows: Three Months Ended Nine Months Ended 2015 2014 2015 2014 Balance — beginning of period $ 179,903 $ 197,844 $ 189,275 $ 226,356 Incremental provisions for purchased receivables portfolios 175 1,606 475 3,281 Incremental reversal of provisions for purchased receivables portfolios (2,675 ) (6,490 ) (12,347 ) (36,677 ) Balance — end of period $ 177,403 $ 192,960 $ 177,403 $ 192,960
Summary of Delinquencies	A summary of delinquencies as of September 30, 2015 and December 31, 2014 is as follows: September 30, 2015 Retail Installment Contracts Held for Investment Personal Loans (a) Loans Acquired Individually Purchased Receivables Portfolios Total Principal, 31-60 days past due $ 2,176,539 $ 39,106 $ 2,215,645 $ 63,422 Delinquent principal over 60 days 1,012,042 22,429 1,034,471 165,759 Total delinquent principal $ 3,188,581 $ 61,535 $ 3,250,116 $ 229,181 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 (a) As of September 30, 2015 all of the Company's personal loans were classified as held for sale.
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 September 30, 2015 and December 31, 2014 was as follows: September 30, 2015 FICO ® Band Retail Installment Contracts Held for Investment (a) Personal Loans (b)(c) <540 28.2% 3.2% 540-599 36.2% 18.3% 600-639 20.4% 21.6% >640 15.2% 56.9% 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 $4,317,476 and $2,945,297 as of September 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. (c) As of September 30, 2015 all of the Company's personal loans were classified as held for sale.
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 September 30, 2015 and December 31, 2014 were as follows: September 30, December 31, Pass $ 68,010 $ 97,903 Special Mention 8,283 2,261 Substandard — — Doubtful — — Loss — — Unpaid principal balance $ 76,293 $ 100,164
Summary of TDRs	The table below presents the Company’s TDRs as of September 30, 2015 and December 31, 2014 : September 30, 2015 December 31, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Outstanding recorded investment $ 4,385,422 $ 15,696 $ 4,207,037 $ 17,356 Impairment (1,402,215 ) (12,568 ) (797,240 ) (6,939 ) Outstanding recorded investment, net of impairment $ 2,983,207 $ 3,128 $ 3,409,797 $ 10,417
Summary of Delinquent TDRs	A summary of the Company’s delinquent TDRs at September 30, 2015 and December 31, 2014 , is as follows: September 30, 2015 December 31, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Principal, 31-60 days past due $ 858,206 $ 1,647 $ 929,095 $ 1,595 Delinquent principal over 60 days 447,587 4,326 515,235 5,131 Total delinquent TDR principal $ 1,305,793 $ 5,973 $ 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 September 30, 2015 September 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Average outstanding recorded investment in TDRs $ 4,714,984 $ 16,991 $ 3,412,644 $ 17,484 Interest income recognized $ 179,618 $ 1,002 $ 130,716 $ 449 Nine Months Ended September 30, 2015 September 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Average outstanding recorded investment in TDRs $ 4,563,305 $ 17,150 $ 3,060,141 $ 13,240 Interest income recognized $ 566,508 $ 2,220 $ 363,305 $ 1,169
Summary of Financial Effects of TDRs	The following table summarizes the financial effects of TDRs that occurred during the three and nine months ended September 30, 2015 and 2014 : Three Months Ended September 30, 2015 September 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Outstanding recorded investment before TDR $ 828,828 $ 5,270 $ 951,012 $ 6,284 Outstanding recorded investment after TDR $ 821,731 $ 5,241 $ 948,164 $ 6,311 Number of contracts 40,506 4,416 57,829 5,653 Nine Months Ended September 30, 2015 September 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Outstanding recorded investment before TDR $ 2,691,827 $ 15,048 $ 2,318,685 $ 13,032 Outstanding recorded investment after TDR $ 2,679,230 $ 14,961 $ 2,228,375 $ 12,978 Number of contracts 152,016 12,555 141,582 11,788
Summary of Loan Restructuring Accounted for as TDRs	Loan restructurings accounted for as TDRs within the previous twelve months that subsequently defaulted during the three and nine months ended September 30, 2015 and 2014 are summarized in the following table: Three Months Ended September 30, 2015 September 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Recorded investment in TDRs that subsequently defaulted $ 149,924 $ 2,145 $ 110,528 $ 1,054 Number of contracts 7,192 1,905 10,736 1,015 Nine Months Ended September 30, 2015 September 30, 2014 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans Recorded investment in TDRs that subsequently defaulted $ 522,433 $ 5,346 $ 230,803 $ 1,801 Number of contracts 34,238 4,919 23,859 1,766
Troubled Debt Restructuring Roll Forward	The following table summarizes the cumulative changes of the TDR balance, and its components, for retail installment contracts during the three and nine months ended September 30, 2015 and 2014 : Three Months Ended Nine Months Ended September 30, 2015 September 30, 2014 September 30, 2015 September 30, 2014 Balance — beginning of period $ 5,044,546 $ 3,153,771 $ 4,207,037 $ 2,609,156 New TDRs 821,731 948,164 2,679,230 2,228,375 Charge-offs (373,525 ) (253,850 ) (958,115 ) (654,717 ) Sales (895,449 ) — (904,129 ) — Paydowns (211,881 ) (176,567 ) (638,601 ) (511,296 ) Balance — end of period $ 4,385,422 $ 3,671,518 $ 4,385,422 $ 3,671,518

Debt (Tables)

Debt (Tables)	9 Months Ended
	Sep. 30, 2015
Debt Disclosure [Abstract]
Schedule of Credit Facilities	The following table presents information regarding credit facilities as of September 30, 2015 and December 31, 2014 : September 30, 2015 Maturity Date(s) Utilized Balance Committed Amount Effective Rate Assets Pledged Restricted Cash Pledged Warehouse line June 2016 $ 397,021 $ 500,000 1.18% $ 544,546 $ — Warehouse line (a) Various 698,715 1,250,000 1.26% 1,001,601 39,046 Warehouse line (b) July 2017 874,320 1,260,000 1.18% 1,006,388 34,531 Warehouse line (c) July 2017 1,608,643 2,940,000 1.17% 2,481,681 30,818 Warehouse line (d) Various 1,087,977 2,500,000 1.36% 1,565,626 55,126 Warehouse line (e) October 2015 199,680 200,000 2.10% 261,042 9,433 Repurchase facility (f) December 2015 851,929 851,929 1.87% 1,966 37,844 Warehouse line March 2017 510,899 750,000 0.94% 752,083 22,528 Warehouse line (g) November 2016 175,000 175,000 1.76% — — Warehouse line (g) November 2016 250,000 250,000 1.76% — 2,501 Total facilities with third parties 6,654,184 10,676,929 7,614,933 231,827 Lines of credit with Santander and related subsidiaries (h): Line of credit December 2016 500,000 500,000 2.51% — — Line of credit December 2018 — 500,000 — — — Line of credit December 2016 1,750,000 1,750,000 2.48% — — Line of credit December 2018 975,000 1,750,000 2.89% — — Line of credit March 2017 300,000 300,000 1.76% — — Total facilities with Santander and related subsidiaries 3,525,000 4,800,000 — — Total revolving credit facilities $ 10,179,184 $ 15,476,929 $ 7,614,933 $ 231,827 (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 financing of Chrysler loans. (c) This line is held exclusively for financing of Chrysler leases. (d) In December 2016, $500,000 of the total revolving commitment under this warehouse line will expire, at which time any utilized balance attributable that portion of the commitment will become an amortizing obligation; the remainder of the commitment of $2,000,000 matures in June 2017. (e) This line is held exclusively for personal term loans. On October 26, 2015, the maturity date for this warehouse line commitment was extended to November 9, 2015. (f) The repurchase facility is collateralized by securitization notes payable retained by the Company. This facility has rolling 30 -day and 90 -day maturities. (g) These lines are collateralized by residuals retained by the Company. (h) These lines are also collateralized by securitization notes payable and residuals retained by the Company. As of September 30, 2015 and December 31, 2014 , $2,502,000 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 September 30, 2015 and December 31, 2014 : September 30, 2015 Original Estimated Maturity Date(s) Balance Initial Note Amounts Issued Initial Weighted Average Interest Rate Collateral Restricted Cash 2012 Securitizations September 2018 513,944 2,525,540 0.92%-1.23% 669,023 89,331 2013 Securitizations January 2019 - January 2021 2,309,981 6,689,700 0.89%-1.59% 2,933,188 282,213 2014 Securitizations February 2020 - January 2021 3,391,814 6,391,020 1.16%-1.72% 4,388,118 340,628 2015 Securitizations September 2019 - January 2023 7,134,737 8,257,582 1.33%-2.29% 8,862,341 482,191 Public securitizations (a) 13,350,476 23,863,842 16,852,670 1,194,363 2010 Private issuances (b) June 2011 122,632 516,000 1.29% 254,328 7,254 2011 Private issuances (c) December 2018 877,974 1,700,000 1.46% 1,310,567 54,119 2013 Private issuances September 2018-September 2020 2,187,683 2,693,754 1.13%-1.38% 3,338,749 129,631 2014 Private issuances March 2018 - December 2021 1,808,945 3,271,175 1.05%-1.40% 2,520,624 103,406 2015 Private issuances November 2018 - May 2020 1,679,401 1,993,750 0.88%-1.62% 2,406,894 73,724 Privately issued amortizing notes 6,676,635 10,174,679 9,831,162 368,134 Total secured structured financings $ 20,027,111 $ 34,038,521 $ 26,683,832 $ 1,562,497 (a) Securitizations executed under Rule 144A of the Securities Act are included within this balance. (b) This securitization was most recently amended in May 2015 to extend the maturity date to May 2016. (c) In July 2015, the Company advanced an additional $487,000 on private issuances originally executed in 2011. 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)	9 Months Ended
	Sep. 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: September 30, December 31, Restricted cash $ 1,753,979 $ 1,626,257 Finance receivables held for sale 1,593,587 18,712 Finance receivables held for investment, net 22,788,727 21,366,121 Leased vehicles, net 6,078,865 4,862,783 Various other assets 579,691 1,283,280 Notes payable 30,440,762 27,796,999 Various other liabilities 15,662 —
Summary of Cash Flows Received from Consolidated Securitization Trusts	A summary of the cash flows received from consolidated securitization trusts during the three and nine months ended September 30, 2015 and 2014 , is as follows: Three Months Ended Nine Months Ended September 30, 2015 September 30, 2014 September 30, 2015 September 30, 2014 Assets securitized $ 4,190,872 $ 3,723,447 $ 13,428,243 $ 12,090,743 Net proceeds from new securitizations (a) $ 3,356,303 $ 2,919,796 $ 10,843,428 $ 10,310,702 Cash received for servicing fees (b) 185,894 166,390 518,550 465,675 Cash received upon release from reserved and restricted cash accounts (b) — — — 810 Net distributions from Trusts (b) 329,357 426,966 1,046,045 1,137,778 Total cash received from Trusts $ 3,871,554 $ 3,513,152 $ 12,408,023 $ 11,914,965 (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 these off-balance sheet securitization trusts during the three and nine months ended September 30, 2015 and 2014 is as follows: Three Months Ended Nine Months Ended September 30, 2015 September 30, 2014 September 30, 2015 September 30, 2014 Receivables securitized $ — $ 1,028,278 $ 768,561 $ 1,802,461 Net proceeds from new securitizations $ — $ 1,078,202 $ 785,983 $ 1,894,052 Cash received for servicing fees 5,955 3,925 17,578 10,897 Total cash received from securitization trusts $ 5,955 $ 1,082,127 $ 803,561 $ 1,904,949

Derivative Financial Instrume31

Derivative Financial Instruments (Tables)	9 Months Ended
	Sep. 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 September 30, 2015 and December 31, 2014 , were as follows: September 30, 2015 December 31, 2014 Notional Fair Value Notional Fair Value Interest rate swap agreements designated as cash flow hedges $ 8,870,000 $ (40,664 ) $ 8,020,000 $ 3,827 Interest rate swap agreements not designated as hedges 2,833,000 (12,743 ) 3,206,000 (12,175 ) Interest rate cap agreements 9,211,000 24,451 7,541,385 49,762 Options for interest rate cap agreements 9,211,000 (24,462 ) 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 September 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 September 30, 2015 Interest rate swaps - Santander & affiliates $ — $ — $ — $ — $ — $ — Interest rate swaps - third party — — — — — — Interest rate caps - Santander & affiliates 10,316 — 10,316 — — 10,316 Interest rate caps - third party 14,135 — 14,135 — — 14,135 Total derivatives subject to a master netting arrangement or similar arrangement 24,451 — 24,451 — — 24,451 Total derivatives not subject to a master netting arrangement or similar arrangement — — — — — — Total derivative assets $ 24,451 $ — $ 24,451 $ — $ — $ 24,451 Total financial assets $ 24,451 $ — $ 24,451 $ — $ — $ 24,451 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 September 30, 2015 Interest rate swaps - Santander & affiliates $ 27,598 $ (23,960 ) $ 3,638 $ — $ — $ 3,638 Interest rate swaps - third party 25,809 (22,138 ) 3,671 — — 3,671 Back to back - Santander & affiliates 10,316 (10,316 ) — — — — Back to back - third party 14,146 (14,146 ) — — — — Total derivatives subject to a master netting arrangement or similar arrangement 77,869 (70,560 ) 7,309 — — 7,309 Total return swap — — — — — — Total derivatives not subject to a master netting arrangement or similar arrangement — — — — — — Total derivative liabilities $ 77,869 $ (70,560 ) $ 7,309 $ — $ — $ 7,309 Total financial liabilities $ 77,869 $ (70,560 ) $ 7,309 $ — $ — $ 7,309 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 (Loss)	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 nine months ended September 30, 2015 and 2014 were as follows: Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 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 $ — $ (43,025 ) $ (13,446 ) $ (383 ) $ 12,822 $ (906 ) Derivative instruments not designated as hedges $ (3,746 ) $ — $ — $ 8,227 $ — $ — Nine Months Ended Nine 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 $ (80,201 ) $ (35,783 ) $ (292 ) $ 6,230 $ (5,501 ) Derivative instruments not designated as hedges $ 677 $ — $ — $ 16,615 $ — $ —

Other Assets (Tables)

Other Assets (Tables)	9 Months Ended
	Sep. 30, 2015
Other Assets [Abstract]
Schedule of Other Assets	Other assets were comprised as follows: September 30, December 31, Upfront fee (a) $ 113,750 $ 125,000 Vehicles (b) 181,791 134,926 Manufacturer subvention payments receivable (a) 127,764 70,213 Accounts receivable 27,275 18,440 Prepaids 34,044 35,906 Derivative assets (Note 7) 14,135 17,106 Other 8,731 1,825 Total other assets $ 507,490 $ 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)	9 Months Ended
	Sep. 30, 2015
Related Party Transactions [Abstract]
Schedule of Related Party Transactions	Other information on the consumer vehicle lease portfolio serviced for SBNA as of September 30, 2015 and December 31, 2014 is as follows: September 30, December 31, Total serviced portfolio $ 2,327,624 $ 1,989,967 Cash collections due to owner 61 1 Lease fundings due from owner — 3,365 Origination and servicing fees receivable 772 10,345 Revenue share reimbursement receivable 1,127 1,694 Other information on the serviced auto loan and retail installment contract portfolios for SBNA as of September 30, 2015 and December 31, 2014 is as follows: September 30, December 31, Total serviced portfolio $ 735,359 $ 896,300 Cash collections due to owner 20,335 21,415 Servicing fees receivable 1,713 2,171 Interest expense, including unused fees, for affiliate lines/letters of credit for the three and nine months ended September 30, 2015 and 2014 , was as follows: Three Months Ended Nine Months Ended September 30, 2015 September 30, 2014 September 30, 2015 September 30, 2014 Line of credit agreement with Santander - New York Branch (Note 5) $ 24,638 $ 21,408 $ 76,273 $ 68,991 Line of credit agreement with SHUSA (Note 5) 1,337 1,339 3,940 3,001 Letter of credit facility with Santander - New York Branch (Note 5) — 128 — 379 Accrued interest for affiliate lines/letters of credit at September 30, 2015 and December 31, 2014 , was as follows: September 30, 2015 December 31, 2014 Line of credit agreement with Santander - New York Branch (Note 5) $ 7,979 $ 7,750 Line of credit agreement with SHUSA (Note 5) 235 242 Letter of credit facility with Santander - New York Branch (Note 5) — 128

Computation of Basic and Dilu34

Computation of Basic and Diluted Earnings per Common Share (Tables)	9 Months Ended
	Sep. 30, 2015
Earnings Per Share [Abstract]
Summary of Computation of Basic and Diluted Earnings per Common Share	Three Months Ended Nine Months Ended 2015 2014 2015 2014 Earnings per common share Net income $ 223,900 $ 191,369 $ 798,614 $ 519,316 Weighted average number of common shares outstanding before restricted participating shares (in thousands) 357,380 348,372 353,684 348,047 Weighted average number of participating restricted common shares outstanding (in thousands) 467 584 467 584 Weighted average number of common shares outstanding (in thousands) 357,847 348,956 354,151 348,631 Earnings per common share $ 0.63 $ 0.55 $ 2.26 $ 1.49 Earnings per common share - assuming dilution Net income $ 223,900 $ 191,369 $ 798,614 $ 519,316 Weighted average number of common shares outstanding (in thousands) 357,847 348,956 354,151 348,631 Effect of employee stock-based awards (in thousands) 4,375 6,966 3,686 7,179 Weighted average number of common shares outstanding - assuming dilution (in thousands) 362,222 355,922 357,837 355,810 Earnings per common share - assuming dilution $ 0.62 $ 0.54 $ 2.23 $ 1.46

Fair Value of Financial Instr35

Fair Value of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2015
Fair Value Disclosures [Abstract]
Summary of Fair Value Estimates, Methods and Assumptions	Fair value estimates, methods, and assumptions are as follows: September 30, 2015 December 31, 2014 Level Carrying Estimated Carrying Estimated Cash and cash equivalents (a) 1 $ 104,552 $ 104,552 $ 33,157 $ 33,157 Receivables held for sale (b) 2 2,709,944 2,760,561 46,585 46,585 Finance receivables held for investment, net (c) 3 23,464,030 25,150,822 23,915,551 25,576,337 Restricted cash (a) 1 2,217,879 2,217,879 1,920,857 1,920,857 Notes payable — credit facilities (d) 3 6,654,184 6,654,184 6,402,327 6,402,327 Notes payable — secured structured financings (e) 2 20,027,111 20,131,570 17,718,974 17,810,062 Notes payable — related party (f) 3 3,525,000 3,525,000 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. Receivables held for sale also includes personal loans carried at cost, net of impairment, as of September 30, 2015. (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 were carried at amortized cost, net of credit loss allowance. The estimated fair value was 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 September 30, 2015 and December 31, 2014 , and are categorized using the fair value hierarchy: Fair Value Measurements at September 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) $ 14,135 $ — $ 14,135 $ — Due from affiliates — trading interest rate caps (a) 10,316 — 10,316 — Due from affiliates — treasury bills (c) 29,915 29,915 — — Other liabilities — trading options for interest rate caps (a) 14,146 — 14,146 — Due to affiliates — trading options for interest rate caps (a) 10,316 — 10,316 — Other liabilities — cash flow hedging interest rate swaps (a) 23,697 — 23,697 — Due to affiliates — cash flow hedging interest rate swaps (a) 16,967 — 16,967 — Other liabilities — trading interest rate swaps (a) 2,112 — 2,112 — Due to affiliates — trading interest rate swaps (a) 10,631 — 10,631 — 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 was valued based on the estimated market value of the underlying bonds pledged to the associated credit facility. (c) Treasury bills are valued using unadjusted quoted prices in active markets for identical assets.
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 September 30, 2015 and December 31, 2014 , and are categorized using the fair value hierarchy: Fair Value Measurements at September 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 $ 181,791 $ — $ 181,791 $ — 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)	9 Months Ended
	Sep. 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 nine months ended September 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 433,844 24.29 — — Exercised (8,893,119 ) 9.85 — (123,621 ) Expired (15,197 ) — — — Forfeited (225,935 ) 16.98 — — Options outstanding at September 30, 2015 12,657,504 11.85 6.6 108,438 Options exercisable at September 30, 2015 8,933,385 11.27 6.5 81,754

Shareholders' Equity (Tables)

Shareholders' Equity (Tables)	9 Months Ended
	Sep. 30, 2015
Equity [Abstract]
Summary of Changes in Accumulated Other Comprehensive Income (Loss)	A summary of changes in accumulated other comprehensive income (loss), net of tax, for the three and nine months ended September 30, 2015 and 2014 is as follows: Three Months Ended Nine Months Ended September 30, 2015 September 30, 2014 September 30, 2015 September 30, 2014 Beginning balance, unrealized gains (losses) on cash flow hedges $ (5,726 ) $ (4,129 ) $ 3,553 $ (2,853 ) Other comprehensive loss before reclassifications (26,929 ) 8,115 (50,178 ) 3,949 Amounts reclassified out of accumulated other comprehensive income (loss)(a) 8,416 570 22,386 3,460 Ending balance, unrealized losses on cash flow hedges $ (24,239 ) $ 4,556 $ (24,239 ) $ 4,556 (a) Amounts reclassified out of accumulated other comprehensive income (loss) during the three and nine months ended September 30, 2015 and 2014 consist of the following: Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges: Settlements of derivatives $ 13,446 Interest expense $ 906 Interest expense Tax benefit (5,030 ) (336 ) Net of tax $ 8,416 $ 570 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges: Settlements of derivatives $ 35,783 Interest expense $ 5,501 Interest expense Tax expense (benefit) (13,397 ) (2,041 ) Net of tax $ 22,386 $ 3,460
Reclassification of Amounts Out of Accumulated Other Comprehensive Income (Loss)	Amounts reclassified out of accumulated other comprehensive income (loss) during the three and nine months ended September 30, 2015 and 2014 consist of the following: Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges: Settlements of derivatives $ 13,446 Interest expense $ 906 Interest expense Tax benefit (5,030 ) (336 ) Net of tax $ 8,416 $ 570 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges: Settlements of derivatives $ 35,783 Interest expense $ 5,501 Interest expense Tax expense (benefit) (13,397 ) (2,041 ) Net of tax $ 22,386 $ 3,460

Description of Business, Basi38

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices (Details) - segment	9 Months Ended
	Sep. 30, 2015	Oct. 15, 2015
Basis Of Presentation And Significant Accounting Policies [Line Items]
Number of reportable segments	1
LIBOR | Subsequent Event
Basis Of Presentation And Significant Accounting Policies [Line Items]
Call transaction, basis spread on variable rate		1.00%
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	31.20%
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		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Schedule Of Financing Receivables [Line Items]
Decrease in provision for credit losses	$ 38,260,000
Retail installment contracts held for sale	825,753,000		$ 825,753,000		$ 45,424,000
Principal amount sold on loans securitized	3,057,654,000	$ 2,413,251,000	5,993,407,000	$ 5,483,149,000
Servicing of sold retail installment contracts	10,490,844,000		10,490,844,000		7,372,884,000
Proceeds from sale of charged off assets	13,730,000	$ 24,987,000	117,693,000	$ 26,674,000
Unpaid principal balance of fleet contracts with commercial consumers					816,100,000
Notes payable — credit facilities	$ 6,654,184,000		$ 6,654,184,000		6,402,327,000
Texas
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for investment (as a percent)	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 (as a percent)	13.00%		13.00%
Percentage of unsecured consumer loans	7.00%		7.00%
California
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for investment (as a percent)	10.00%		10.00%
Percentage of remaining receivable from dealers held for investment	24.00%		24.00%
Percentage of unsecured consumer loans	11.00%		11.00%
Georgia
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for investment (as a percent)	5.00%		5.00%
Other States (less than 5%)
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for investment (as a percent)	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%
Virginia
Schedule Of Financing Receivables [Line Items]
Percentage of remaining receivable from dealers held for investment	40.00%		40.00%
New York
Schedule Of Financing Receivables [Line Items]
Percentage of remaining receivable from dealers held for investment	19.00%		19.00%
Percentage of unsecured consumer loans	8.00%		8.00%
Mississippi
Schedule Of Financing Receivables [Line Items]
Percentage of remaining receivable from dealers held for investment	8.00%		8.00%
Missouri
Schedule Of Financing Receivables [Line Items]
Percentage of remaining receivable from dealers held for investment	7.00%		7.00%
Personal Loans
Schedule Of Financing Receivables [Line Items]
Decrease in provision for credit losses	$ 13,999,000
Personal loans held for sale, net of impairment	1,884,191,000		$ 1,884,191,000
Receivables From Dealers
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for sale	0		0		1,161,000
Fleet Contracts
Schedule Of Financing Receivables [Line Items]
Unpaid principal balance of fleet contracts with commercial consumers	1,058,560,000		1,058,560,000
Receivables from Dealers Held for Investment
Schedule Of Financing Receivables [Line Items]
Committed amount	50,000,000		50,000,000		50,000,000
Notes payable — credit facilities	$ 50,000,000		$ 50,000,000		$ 50,000,000

Finance Receivables - Portfolio

Finance Receivables - Portfolio of Retail Installment Contracts, Loans Held for Investment and Purchased Receivables (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Purchased receivables portfolios acquired with deteriorated credit quality:
Unpaid principal balance	$ 412,645	$ 846,355
Outstanding recorded investment	452,937	873,134
Less: Impairment	(177,403)	(189,275)
Outstanding recorded investment, net of impairment	275,534	683,859
Retail Installment Contracts Acquired Individually
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	23,013,813	21,270,586
Receivables from Dealers Held for Investment
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	75,367	99,490
Personal Loans
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	0	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	26,718,576	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	76,293	100,164
Unpaid principal balance | Personal Loans
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	0	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	(3,159,102)	(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	(926)	(674)
Credit loss allowance | Personal Loans
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	0	(348,660)
Discount | Retail Installment Contracts Acquired Individually
Accounts Notes And Loans Receivable [Line Items]
Retail installment contracts and loans held for investment	(592,625)	(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	0	(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	46,964	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	$ 0	$ 1,024

Finance Receivables - Changes i

Finance Receivables - Changes in Accretable Yield on Purchased Receivables Portfolios (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Balance — beginning of period	$ 238,372	$ 305,254	$ 264,416	$ 403,400
Accretion of accretable yield	(16,509)	(43,231)	(64,383)	(164,651)
Reclassifications from (to) nonaccretable difference	16,838	36,394	38,668	59,668
Balance — end of period	$ 238,701	$ 298,417	$ 238,701	$ 298,417

Leases - Summary of Leased Vehi

Leases - Summary of Leased Vehicles (Details) - USD ($)	3 Months Ended	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2015	Dec. 31, 2014
Property Subject To Or Available For Operating Lease [Line Items]
Leased vehicles	$ 8,173,562,000	$ 8,173,562,000	$ 6,309,096,000
Less: accumulated depreciation	(1,287,960,000)	(1,287,960,000)	(804,629,000)
Depreciated net capitalized cost	6,885,602,000	6,885,602,000	5,504,467,000
Manufacturer subvention payments	(821,539,000)	(821,539,000)	(645,874,000)
Origination fees and other costs	14,802,000	14,802,000	4,190,000
Net book value	6,078,865,000	6,078,865,000	$ 4,862,783,000
Chrysler Group
Property Subject To Or Available For Operating Lease [Line Items]
Aggregate depreciated net capitalized cost of leases sold	0	1,316,958,000
Net book value of leases sold	$ 0	$ 1,155,171,000

Leases - Future Minimum Rental

Leases - Future Minimum Rental Payments Due to Lessor under Operating Leases (Details) $ in Thousands	Sep. 30, 2015USD ($)
Leases [Abstract]
Remainder of 2015	$ 282,067
2,016	1,014,377
2,017	622,376
2,018	159,777
2,019	830
Thereafter	0
Total	$ 2,079,427

Leases - Summary of Capital Lea

Leases - Summary of Capital Lease Receivables (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Leases [Abstract]
Gross investment in capital leases	$ 174,761	$ 137,543
Origination fees and other	138	78
Less unearned income	(62,284)	(46,193)
Net investment in capital leases before allowance	112,615	91,428
Less: allowance for lease losses	(13,299)	(9,589)
Net investment in capital leases	$ 99,316	$ 81,839

Leases - Future Minimum Renta45

Leases - Future Minimum Rental Receivable under Capital Leases (Details) $ in Thousands	Sep. 30, 2015USD ($)
Leases [Abstract]
Remainder of 2015	$ 12,179
2,016	48,713
2,017	48,636
2,018	46,739
2,019	18,225
Thereafter	269
Total	$ 174,761

Credit Loss Allowance and Cre46

Credit Loss Allowance and Credit Quality - Additional Information (Details) - USD ($)	3 Months Ended	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Decrease in provision for credit losses	$ 38,260,000
Unpaid principal balance of fleet contracts with commercial consumers				$ 816,100,000
TDRs, number of days past due for determination of nonaccrual and accrual status		60 days
Retail Installment Contracts Acquired Individually
Financing Receivable, Allowance for Credit Losses [Line Items]
Decrease in provision for credit losses	134,017,000
Decrease in credit loss allowance	134,000,000	$ 27,117,000	$ 0
TDRs, deferral period		90 days
Retail Installment Contracts
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans classified as non-performing, period for classification		60 days
Fleet loans classified as Special Mention	4,317,476,000	$ 4,317,476,000		2,945,297,000
TDRs, number of days past due, considered subsequently defaulted		120 days
Receivables From Dealers
Financing Receivable, Allowance for Credit Losses [Line Items]
Decrease in credit loss allowance		$ 0	$ 0
Loans classified as non-performing, period for classification		90 days
Receivables that were 31 days or more delinquent	0	$ 0		0
Receivables classified as a TDR	0	0		0
Retail Installment Contracts Held-for-sale
Financing Receivable, Allowance for Credit Losses [Line Items]
Receivables that were 31 days or more delinquent	0	0		$ 0
Fleet Contracts
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance of fleet contracts with commercial consumers	1,058,560,000	1,058,560,000
Fleet Contracts | Special Mention
Financing Receivable, Allowance for Credit Losses [Line Items]
Fleet loans classified as Special Mention	2,986,000	$ 2,986,000
Personal Term Loan
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans classified as non-performing, period for classification		60 days
Personal Loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Decrease in provision for credit losses	$ 13,999,000
TDRs, number of days past due, considered subsequently defaulted		180 days

Credit Loss Allowance and Cre47

Credit Loss Allowance and Credit Quality - Summary of Activity in Loan Loss Allowance (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Retail Installment Contracts Acquired Individually
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of period	$ 3,129,646	$ 2,668,587	$ 2,726,338	$ 2,132,634
Provision for credit losses	640,113	601,414	1,761,084	1,785,482
Charge-offs	(1,108,435)	(932,145)	(2,870,711)	(2,385,675)
Recoveries	497,778	455,343	1,569,508	1,260,758
Transfers to held for sale	(134,000)		(27,117)	0
Balance — end of period	3,159,102	2,793,199	3,159,102	2,793,199
Charge-off expense, lower of cost or market adjustments	64,140		73,388
Receivables from Dealers Held for Investment
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of period	968	923	674	1,090
Provision for credit losses	(42)	(275)	252	(442)
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Transfers to held for sale			0	0
Balance — end of period	926	648	926	648
Personal Loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of period	384,735	212,954	348,660	179,350
Provision for credit losses	105,813	167,409	324,634	299,750
Charge-offs	(499,010)	(86,512)	(695,918)	(194,426)
Recoveries	8,462	6,574	22,624	15,751
Transfers to held for sale			0	0
Balance — end of period	0	300,425	0	300,425
Charge-off expense, lower of cost or market adjustments	377,598		377,598
Capital Lease Receivable
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of period	15,570	0	9,589	0
Provision for credit losses	756	6,106	14,758	6,106
Charge-offs	(11,304)	0	(30,694)	0
Recoveries	8,277	0	19,646	0
Balance — end of period	$ 13,299	$ 6,106	$ 13,299	$ 6,106

Credit Loss Allowance and Cre48

Credit Loss Allowance and Credit Quality - Summary of Impairment Activity Related to Purchased Receivables Portfolios (Details) - Purchased Receivables Portfolios - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of period	$ 179,903	$ 197,844	$ 189,275	$ 226,356
Incremental provisions for purchased receivables portfolios	175	1,606	475	3,281
Incremental reversal of provisions for purchased receivables portfolios	(2,675)	(6,490)	(12,347)	(36,677)
Balance — end of period	$ 177,403	$ 192,960	$ 177,403	$ 192,960

Credit Loss Allowance and Cre49

Credit Loss Allowance and Credit Quality - Summary of Delinquencies (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable Recorded Investment Past Due [Line Items]
Principal, 31-60 days past due	$ 2,215,645	$ 2,450,837
Delinquent principal over 60 days	1,034,471	1,103,053
Total delinquent principal	3,250,116	3,553,890
Loans Acquired Individually
Financing Receivable Recorded Investment Past Due [Line Items]
Principal, 31-60 days past due	2,176,539	2,319,203
Delinquent principal over 60 days	1,012,042	1,030,580
Total delinquent principal	3,188,581	3,349,783
Purchased Receivables Portfolios
Financing Receivable Recorded Investment Past Due [Line Items]
Principal, 31-60 days past due	39,106	131,634
Delinquent principal over 60 days	22,429	72,473
Total delinquent principal	61,535	204,107
Personal Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Principal, 31-60 days past due	63,422	52,452
Delinquent principal over 60 days	165,759	138,400
Total delinquent principal	$ 229,181	$ 190,852

Credit Loss Allowance and Cre50

Credit Loss Allowance and Credit Quality - Summary of Credit Risk Profile (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Retail Installment Contracts
Financing Receivable Recorded Investment [Line Items]
Consumer loans without FICO scores	$ 4,317,476	$ 2,945,297
FICO Band 540
Financing Receivable Recorded Investment [Line Items]
Retail Installment Contracts Held for Investment	28.20%	26.40%
Personal Loans	3.20%	3.30%
FICO Band 540-599
Financing Receivable Recorded Investment [Line Items]
Retail Installment Contracts Held for Investment	36.20%	32.60%
Personal Loans	18.30%	20.10%
FICO Band 600-639
Financing Receivable Recorded Investment [Line Items]
Retail Installment Contracts Held for Investment	20.40%	20.50%
Personal Loans	21.60%	21.40%
FICO Band 640
Financing Receivable Recorded Investment [Line Items]
Retail Installment Contracts Held for Investment	15.20%	20.50%
Personal Loans	56.90%	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	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable Recorded Investment [Line Items]
Commercial loan credit quality indicators	$ 76,293	$ 100,164
Pass
Financing Receivable Recorded Investment [Line Items]
Commercial loan credit quality indicators	68,010	97,903
Special Mention
Financing Receivable Recorded Investment [Line Items]
Commercial loan credit quality indicators	8,283	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 TDRs (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Retail Installment Contracts
Financing Receivable Modifications [Line Items]
Outstanding recorded investment	$ 4,385,422	$ 4,207,037
Impairment	(1,402,215)	(797,240)
Outstanding recorded investment, net of impairment	2,983,207	3,409,797
Personal Loans
Financing Receivable Modifications [Line Items]
Outstanding recorded investment	15,696	17,356
Impairment	(12,568)	(6,939)
Outstanding recorded investment, net of impairment	$ 3,128	$ 10,417

Credit Loss Allowance and Cre53

Credit Loss Allowance and Credit Quality - Summary of Delinquent TDRs (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Retail Installment Contracts
Troubled Debt Restructuring Debtor Current Period [Line Items]
Principal, 31-60 days past due	$ 858,206	$ 929,095
Delinquent principal over 60 days	447,587	515,235
Total delinquent TDR principal	1,305,793	1,444,330
Personal Loans
Troubled Debt Restructuring Debtor Current Period [Line Items]
Principal, 31-60 days past due	1,647	1,595
Delinquent principal over 60 days	4,326	5,131
Total delinquent TDR principal	$ 5,973	$ 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		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Retail Installment Contracts
Financing Receivable Modifications [Line Items]
Average outstanding recorded investment in TDRs	$ 4,714,984	$ 3,412,644	$ 4,563,305	$ 3,060,141
Interest income recognized	179,618	130,716	566,508	363,305
Personal Loans
Financing Receivable Modifications [Line Items]
Average outstanding recorded investment in TDRs	16,991	17,484	17,150	13,240
Interest income recognized	$ 1,002	$ 449	$ 2,220	$ 1,169

Credit Loss Allowance and Cre55

Credit Loss Allowance and Credit Quality - Summary of Financial Effects of TDRs (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)contract	Sep. 30, 2014USD ($)contract	Sep. 30, 2015USD ($)contract	Sep. 30, 2014USD ($)contract
Retail Installment Contracts
Financing Receivable Modifications [Line Items]
Outstanding recorded investment before TDR	$ 828,828	$ 951,012	$ 2,691,827	$ 2,318,685
Outstanding recorded investment after TDR	$ 821,731	$ 948,164	$ 2,679,230	$ 2,228,375
Number of contracts | contract	40,506	57,829	152,016	141,582
Personal Loans
Financing Receivable Modifications [Line Items]
Outstanding recorded investment before TDR	$ 5,270	$ 6,284	$ 15,048	$ 13,032
Outstanding recorded investment after TDR	$ 5,241	$ 6,311	$ 14,961	$ 12,978
Number of contracts | contract	4,416	5,653	12,555	11,788

Credit Loss Allowance and Cre56

Credit Loss Allowance and Credit Quality - Summary of Loan Restructuring Accounted for as TDRs (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)contract	Sep. 30, 2014USD ($)contract	Sep. 30, 2015USD ($)contract	Sep. 30, 2014USD ($)contract
Retail Installment Contracts
Financing Receivable Modifications [Line Items]
Recorded investment in TDRs that subsequently defaulted | $	$ 149,924	$ 110,528	$ 522,433	$ 230,803
Number of contracts	7,192	10,736	34,238	23,859
Personal Loans
Financing Receivable Modifications [Line Items]
Recorded investment in TDRs that subsequently defaulted | $	$ 2,145	$ 1,054	$ 5,346	$ 1,801
Number of contracts	1,905	1,015	4,919	1,766

Credit Loss Allowance and Cre57

Credit Loss Allowance and Credit Quality - Rollforward of TDRs (Details) - Retail Installment Contracts - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Troubled Debt Restructuring [Roll Forward]
Balance — beginning of period	$ 5,044,546	$ 3,153,771	$ 4,207,037	$ 2,609,156
New TDRs	821,731	948,164	2,679,230	2,228,375
Charge-offs	(373,525)	(253,850)	(958,115)	(654,717)
Sales	(895,449)	0	(904,129)	0
Paydowns	(211,881)	(176,567)	(638,601)	(511,296)
Balance — end of period	$ 4,385,422	$ 3,671,518	$ 4,385,422	$ 3,671,518

Debt - Schedule of Credit Facil

Debt - Schedule of Credit Facilities (Details) - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Line Of Credit Facility [Line Items]
Utilized Balance	$ 6,654,184,000	$ 6,402,327,000
Unsecured Debt
Line Of Credit Facility [Line Items]
Utilized Balance	2,502,000,000	2,152,625,000
Total facilities with third parties
Line Of Credit Facility [Line Items]
Utilized Balance	6,654,184,000	6,402,327,000
Committed Amount	10,676,929,000	11,843,137,000
Assets Pledged	7,614,933,000	6,957,408,000
Restricted Cash Pledged	$ 231,827,000	$ 197,854,000
Warehouse line, due June 2016
Line Of Credit Facility [Line Items]
Maturity Date	2016-06
Utilized Balance	$ 397,021,000
Committed Amount	$ 500,000,000
Effective Rate	1.18%
Assets Pledged	$ 544,546,000
Restricted Cash Pledged	$ 0
Warehouse line, due Various
Line Of Credit Facility [Line Items]
Maturity Date, Various	Various	Various
Utilized Balance	$ 698,715,000	$ 397,452,000
Committed Amount	$ 1,250,000,000	$ 1,244,318,000
Effective Rate	1.26%	1.26%
Assets Pledged	$ 1,001,601,000	$ 589,529,000
Restricted Cash Pledged	$ 39,046,000	$ 20,661,000
Warehouse line, due July 2017
Line Of Credit Facility [Line Items]
Maturity Date	2017-07
Utilized Balance	$ 874,320,000
Committed Amount	$ 1,260,000,000
Effective Rate	1.18%
Assets Pledged	$ 1,006,388,000
Restricted Cash Pledged	$ 34,531,000
Warehouse line, due July 2017
Line Of Credit Facility [Line Items]
Maturity Date	2017-07
Utilized Balance	$ 1,608,643,000
Committed Amount	$ 2,940,000,000
Effective Rate	1.17%
Assets Pledged	$ 2,481,681,000
Restricted Cash Pledged	$ 30,818,000
Warehouse line, due Various
Line Of Credit Facility [Line Items]
Maturity Date, Various	Various
Utilized Balance	$ 1,087,977,000
Committed Amount	$ 2,500,000,000
Effective Rate	1.36%
Assets Pledged	$ 1,565,626,000
Restricted Cash Pledged	55,126,000
Warehouse line, due Various | December 2016
Line Of Credit Facility [Line Items]
Committed Amount	500,000,000
Warehouse line, due Various | June 2017
Line Of Credit Facility [Line Items]
Remaining commitment	$ 2,000,000
Warehouse line, due October 2015
Line Of Credit Facility [Line Items]
Maturity Date	2015-10
Utilized Balance	$ 199,680,000
Committed Amount	$ 200,000,000
Effective Rate	2.10%
Assets Pledged	$ 261,042,000
Restricted Cash Pledged	$ 9,433,000
Repurchase facility, due December 2015
Line Of Credit Facility [Line Items]
Maturity Date	2015-12
Utilized Balance	$ 851,929,000
Committed Amount	$ 851,929,000
Effective Rate	1.87%
Assets Pledged	$ 1,966,000
Restricted Cash Pledged	$ 37,844,000
Warehouse line, due March 2017
Line Of Credit Facility [Line Items]
Maturity Date	2017-03
Utilized Balance	$ 510,899,000
Committed Amount	$ 750,000,000
Effective Rate	0.94%
Assets Pledged	$ 752,083,000
Restricted Cash Pledged	$ 22,528,000
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	1.76%	1.71%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	$ 0	$ 0
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	1.76%	1.71%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	$ 2,501,000	$ 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		$ 2,201,511,000
Committed Amount		$ 4,300,000,000
Effective Rate		0.98%
Assets Pledged		$ 3,249,263,000
Restricted Cash Pledged		$ 65,414,000
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
Warehouse line, due July 2015
Line Of Credit Facility [Line Items]
Maturity Date	2015-07	2015-07
Utilized Balance		$ 0
Committed Amount		$ 500,000,000
Effective Rate		0.00%
Assets Pledged		$ 0
Restricted Cash Pledged		$ 0
Warehouse line, due September 2015
Line Of Credit Facility [Line Items]
Maturity Date	2015-09	2015-09
Utilized Balance		$ 199,980,000
Committed Amount		$ 200,000,000
Effective Rate		1.96%
Assets Pledged		$ 351,755,000
Restricted Cash Pledged		$ 13,169,000
Repurchase facility, due Various
Line Of Credit Facility [Line Items]
Maturity Date, Various		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 October 2016
Line Of Credit Facility [Line Items]
Maturity Date		2016-10
Utilized Balance		$ 240,487,000
Committed Amount		$ 250,000,000
Effective Rate		2.02%
Assets Pledged		$ 299,195,000
Restricted Cash Pledged		$ 17,143,000
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 Santander and related subsidiaries
Line Of Credit Facility [Line Items]
Utilized Balance	$ 3,525,000,000	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
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	2.51%	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	2.48%	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	$ 975,000,000	$ 1,140,000,000
Committed Amount	$ 1,750,000,000	$ 1,750,000,000
Effective Rate	2.89%	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	1.76%	1.71%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	0	0
Revolving credit facilities
Line Of Credit Facility [Line Items]
Utilized Balance	10,179,184,000	10,092,327,000
Committed Amount	15,476,929,000	16,643,137,000
Assets Pledged	7,614,933,000	6,968,449,000
Restricted Cash Pledged	$ 231,827,000	$ 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	9 Months Ended	12 Months Ended
	Jul. 31, 2015	Sep. 30, 2015	Dec. 31, 2014
Debt Instrument [Line Items]
Balance		$ 20,027,111	$ 17,718,974
Initial Note Amounts Issued		6,654,184	6,402,327
Secured Structured Financings
Debt Instrument [Line Items]
Balance		20,027,111	17,718,974
Initial Note Amounts Issued		34,038,521	35,182,041
Collateral		26,683,832	23,460,239
Restricted Cash		1,562,497	1,465,085
Secured Structured Financings | Public securitizations
Debt Instrument [Line Items]
Balance		13,350,476	11,437,497
Initial Note Amounts Issued		23,863,842	26,682,930
Collateral		16,852,670	14,345,242
Restricted Cash		$ 1,194,363	$ 1,184,047
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			421,315
Initial Note Amounts Issued			3,536,550
Collateral			699,875
Restricted Cash			$ 115,962
Secured Structured Financings | 2011 Securitizations | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2016-06
Initial Weighted Average Interest Rate			1.21%
Secured Structured Financings | 2011 Securitizations | Maximum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			2017-09
Initial Weighted Average Interest Rate			2.80%
Secured Structured Financings | 2012 Securitizations
Debt Instrument [Line Items]
Original Estimated Maturity Dates		2018-09
Balance		$ 513,944	$ 2,296,687
Initial Note Amounts Issued		2,525,540	8,023,840
Collateral		669,023	3,006,426
Restricted Cash		$ 89,331	$ 318,373
Secured Structured Financings | 2012 Securitizations | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Dates			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
Initial Weighted Average Interest Rate		1.23%	1.68%
Secured Structured Financings | 2013 Securitizations
Debt Instrument [Line Items]
Balance		$ 2,309,981	$ 3,426,242
Initial Note Amounts Issued		6,689,700	6,689,700
Collateral		2,933,188	4,231,006
Restricted Cash		$ 282,213	$ 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		$ 3,391,814	$ 5,211,346
Initial Note Amounts Issued		6,391,020	6,800,420
Collateral		4,388,118	6,173,229
Restricted Cash		$ 340,628	$ 370,790
Secured Structured Financings | 2014 Securitizations | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Dates		2020-02	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		$ 7,134,737
Initial Note Amounts Issued		8,257,582
Collateral		8,862,341
Restricted Cash		$ 482,191
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		2023-01
Initial Weighted Average Interest Rate		2.29%
Secured Structured Financings | Privately issued amortizing notes
Debt Instrument [Line Items]
Balance		$ 6,676,635	$ 6,281,477
Initial Note Amounts Issued		10,174,679	8,499,111
Collateral		9,831,162	9,114,997
Restricted Cash		$ 368,134	$ 281,038
Secured Structured Financings | 2010 Private issuances
Debt Instrument [Line Items]
Original Estimated Maturity Dates		2011-06	2011-06
Balance		$ 122,632	$ 172,652
Initial Note Amounts Issued		$ 516,000	$ 516,000
Initial Weighted Average Interest Rate		1.29%	1.29%
Collateral		$ 254,328	$ 303,361
Restricted Cash		$ 7,254	$ 8,009
Secured Structured Financings | 2011 Private issuances
Debt Instrument [Line Items]
Original Estimated Maturity Dates		2018-12	2018-12
Balance		$ 877,974	$ 859,309
Initial Note Amounts Issued		1,700,000	1,700,000
Collateral		1,310,567	1,316,903
Restricted Cash		$ 54,119	$ 52,524
Additional advances on private issuances	$ 487,000
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
Balance			$ 5,682
Initial Note Amounts Issued			$ 70,308
Initial Weighted Average Interest Rate			1.07%
Collateral			$ 11,760
Restricted Cash			1,086
Secured Structured Financings | 2013 Private issuances
Debt Instrument [Line Items]
Balance		$ 2,187,683	2,629,278
Initial Note Amounts Issued		2,693,754	2,693,754
Collateral		3,338,749	3,703,685
Restricted Cash		$ 129,631	$ 98,063
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		$ 1,808,945	$ 2,614,556
Initial Note Amounts Issued		3,271,175	3,519,049
Collateral		2,520,624	3,779,288
Restricted Cash		$ 103,406	$ 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		$ 1,679,401
Initial Note Amounts Issued		1,993,750
Collateral		2,406,894
Restricted Cash		$ 73,724
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%

Debt - Additional Information (

Debt - Additional Information (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Mar. 06, 2014
Debt Instrument [Line Items]
Interest expense on secured structured financing	$ 76,787,000	$ 60,700,000	$ 207,967,000	$ 177,779,000
Total facilities with Santander and related subsidiaries
Debt Instrument [Line Items]
Committed amount	$ 4,500,000,000		$ 4,500,000,000		$ 300,000,000
Total facilities with Santander and related subsidiaries | Maturity Year One
Debt Instrument [Line Items]
Debt term			3 years
Credit facility maturity date			Dec. 31, 2016
Total facilities with Santander and related subsidiaries | Maturity Year Two
Debt Instrument [Line Items]
Debt term			5 years
Credit facility maturity date			Dec. 31, 2018

Variable Interest Entities - Su

Variable Interest Entities - Summary of Assets and Liabilities Related to VIEs (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Securitization Financial Asset For Which Transfer Is Accounted As Sale [Line Items]
Restricted cash	$ 2,217,879	$ 1,920,857
Finance receivables held for sale, net	2,709,944	46,585
Leased vehicles, net	6,078,865	4,862,783
Various other assets	507,490	403,416
Notes payable — credit facilities	6,654,184	6,402,327
Various other liabilities	178,113	98,654
Variable Interest Entities
Securitization Financial Asset For Which Transfer Is Accounted As Sale [Line Items]
Restricted cash	1,753,979	1,626,257
Finance receivables held for sale, net	1,593,587	18,712
Finance receivables held for investment, net	22,788,727	21,366,121
Leased vehicles, net	6,078,865	4,862,783
Various other assets	579,691	1,283,280
Notes payable — credit facilities	30,440,762	27,796,999
Various other liabilities	$ 15,662	$ 0

Variable Interest Entities - 62

Variable Interest Entities - Summary of Cash Flows Received from Securitization Trusts (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Variable Interest Entity [Line Items]
Assets securitized	$ 4,190,872	$ 3,723,447	$ 13,428,243	$ 12,090,743
Net proceeds from new securitizations	3,356,303	2,919,796	10,843,428	10,310,702
Cash received for servicing fees	185,894	166,390	518,550	465,675
Cash received upon release from reserved and restricted cash accounts	0	0	0	810
Net distributions from Trusts	329,357	426,966	1,046,045	1,137,778
Total cash received from Trusts	3,871,554	3,513,152	12,408,023	11,914,965
VIE, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Assets securitized	0	1,028,278	768,561	1,802,461
Net proceeds from new securitizations	0	1,078,202	785,983	1,894,052
Cash received for servicing fees	5,955	3,925	17,578	10,897
Total cash received from Trusts	$ 5,955	$ 1,082,127	$ 803,561	$ 1,904,949

Variable Interest Entities - Ad

Variable Interest Entities - Additional Information (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Securitization Financial Asset For Which Transfer Is Accounted As Sale [Line Items]
Gross retail installment contracts transferred	$ 27,767,242,000		$ 27,767,242,000		$ 24,611,624,000
Cash proceeds from sale of residual interest in SDART 2012 Trusts	661,675,000
Retained investment in notes issued	5,577,000		5,577,000
Derecognized assets	1,919,171,000		1,919,171,000
Derecognized notes payable and other liabilities	1,183,792,000		1,183,792,000
Decrease in provision for credit losses	38,260,000
Cash received for servicing fees	5,922,000
VIE, Not Primary Beneficiary | Chrysler Capital
Securitization Financial Asset For Which Transfer Is Accounted As Sale [Line Items]
Gross retail installment contracts transferred	2,157,189,000		2,157,189,000		$ 2,157,808,000
Retail installment contracts gross	0	$ 1,028,278,000	768,561,000	$ 1,802,461,000
Maximum exposure to loss, involvement with the VIE	$ 0		$ 0

Derivative Financial Instrume64

Derivative Financial Instruments - Additional Information (Details) - USD ($)	Sep. 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 Instrume65

Derivative Financial Instruments - Summary of Underlying Notional Amounts and Aggregate Fair Values (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Interest Rate Swap | Designated as Cash Flow Hedges
Derivative [Line Items]
Notional	$ 8,870,000	$ 8,020,000
Fair Value	(40,664)	3,827
Interest Rate Swap | Not Designated As Hedges
Derivative [Line Items]
Notional	2,833,000	3,206,000
Fair Value	(12,743)	(12,175)
Interest Rate Cap
Derivative [Line Items]
Notional	9,211,000	7,541,385
Fair Value	24,451	49,762
Options for Interest Rate Cap
Derivative [Line Items]
Notional	9,211,000	7,541,385
Fair Value	(24,462)	(49,806)
Total Return Swap
Derivative [Line Items]
Notional	0	250,594
Fair Value	$ 0	$ (1,736)

Derivative Financial Instrume66

Derivative Financial Instruments - Offsetting of Derivative Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Offsetting of Financial Assets
Gross Amounts of Recognized Assets	$ 24,451	$ 57,916
Gross Amounts of Recognized Assets, Total derivative assets	24,451	57,916
Gross Amounts of Recognized Assets, Total financial assets	24,451	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	24,451	57,916
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet, Total derivative assets	24,451	57,916
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet, Total financial assets	24,451	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	24,451	57,916
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount, Total financial assets	24,451	57,916
Offsetting of Financial Liabilities
Gross Amounts of Recognized Liabilities	77,869	66,308
Gross Amounts of Recognized Liabilities, Total derivative liabilities	77,869	68,044
Gross Amounts of Recognized Liabilities, Total financial liabilities	77,869	68,044
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	(70,560)	(54,305)
Gross Amounts Offset in the Condensed Consolidated Balance Sheet, Total derivative liabilities	(70,560)	(56,041)
Gross Amounts Offset in the Condensed Consolidated Balance Sheet, Total financial liabilities	(70,560)	(56,041)
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet	7,309	12,003
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet, Total derivative liabilities	7,309	12,003
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet, Total financial liabilities	7,309	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	7,309	12,003
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount, Total financial liabilities	7,309	12,003
Interest Rate Swaps | Santander and Affiliates
Offsetting of Financial Assets
Gross Amounts of Recognized Assets	0	5,208
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	0	0
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet	0	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	0	5,208
Offsetting of Financial Liabilities
Gross Amounts of Recognized Liabilities	27,598	15,783
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	(23,960)	(4,308)
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet	3,638	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	3,638	11,475
Interest Rate Swaps | Third Party
Offsetting of Financial Assets
Gross Amounts of Recognized Assets	0	2,946
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	0	0
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet	0	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	0	2,946
Offsetting of Financial Liabilities
Gross Amounts of Recognized Liabilities	25,809	719
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	(22,138)	(191)
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet	3,671	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	3,671	528
Interest Rate Caps | Santander and Affiliates
Offsetting of Financial Assets
Gross Amounts of Recognized Assets	10,316	35,602
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	0	0
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet	10,316	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	10,316	35,602
Interest Rate Caps | Third Party
Offsetting of Financial Assets
Gross Amounts of Recognized Assets	14,135	14,160
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	0	0
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet	14,135	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	14,135	14,160
Back to Back | Santander and Affiliates
Offsetting of Financial Liabilities
Gross Amounts of Recognized Liabilities	10,316	35,602
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	(10,316)	(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	14,146	14,204
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	(14,146)	(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 Instrume67

Derivative Financial Instruments - Gross Gains (Losses) Reclassified from Accumulated Other Comprehensive Income (Details) - Interest Rate Swaps - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Designated as Cash Flow Hedges
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Interest Expense	$ 0	$ (383)	$ 223	$ (292)
Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income (Loss)	(43,025)	12,822	(80,201)	6,230
Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income to Interest Expense	(13,446)	(906)	(35,783)	(5,501)
Not Designated As Hedges
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Interest Expense	(3,746)	8,227	677	16,615
Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income (Loss)	0	0	0	0
Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income to Interest Expense	$ 0	$ 0	$ 0	$ 0

Other Assets (Details)

Other Assets (Details) - USD ($) $ in Thousands	1 Months Ended
	May. 31, 2013	Sep. 30, 2015	Dec. 31, 2014
Other Assets [Line Items]
Other assets		$ 507,490	$ 403,416
Upfront fee	$ 150,000
Finance and other interest income amortization period	10 years
Upfront fee
Other Assets [Line Items]
Other assets		113,750	125,000
Vehicles
Other Assets [Line Items]
Other assets		181,791	134,926
Manufacturer subvention payments receivable
Other Assets [Line Items]
Other assets		127,764	70,213
Accounts receivable
Other Assets [Line Items]
Other assets		27,275	18,440
Prepaids
Other Assets [Line Items]
Other assets		34,044	35,906
Derivative assets
Other Assets [Line Items]
Other assets		14,135	17,106
Other
Other Assets [Line Items]
Other assets		$ 8,731	$ 1,825

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Income tax expense	$ 129,106	$ 90,397	$ 431,762	$ 282,081
Effective tax rate	36.60%	32.10%	35.10%	35.20%
Net receivable from (payable to) affiliates	$ (396)		$ (396)		$ 459

Commitments and Contingencies (

Commitments and Contingencies (Details) - USD ($)

Oct. 09, 2015

Oct. 01, 2015

Feb. 25, 2015

Sep. 30, 2015

Sep. 30, 2014

Sep. 30, 2015

Sep. 30, 2014

Jul. 31, 2015

Jun. 29, 2015

May. 09, 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.

Unsecured revolving financing initial term ending

Apr. 30, 2020

Purchase obligation

$ 15,681,000

$ 15,681,000

$ 7,706,000

Repurchase rate (up to)

9.99%

Retainer rate (up to) upon exercise of repurchase right

20.00%

Servicing fees adjustment

(904,000)

$ 0

$ (1,051,000)

$ 1,329,000

Outstanding repurchase requests

0

0

Estimated fair value of the guarantee

3,857,000

3,857,000

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

203,449,000

$ 203,449,000

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

200,000

$ 200,000

$ 600,000

Minimum purchase amount committed per quarter

50,000

50,000

$ 250,000

SBNA

Contingencies And Commitments [Line Items]

Indemnification of leases

$ 48,226,000

Lending Company

Contingencies And Commitments [Line Items]

Purchase commitment amount

$ 30,000,000

Purchase commitment percent

50.00%

Termination of Loan Purchase Agreement, effective period from delivery of notice

90 days

Lending Company | Subsequent Event

Contingencies And Commitments [Line Items]

Termination of Loan Purchase Agreement, effective period from delivery of notice

90 days

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

Loan commitment, termination notice, period

120 days

Bank of America | Subsequent Event

Contingencies And Commitments [Line Items]

Commitment to sell loans

$ 350,000

Loan commitment, termination notice, period

90 days

Related-Party Transactions - Ad

Related-Party Transactions - Additional Information (Details) ft² in Thousands	Jan. 23, 2014USD ($)	Aug. 31, 2015	Sep. 30, 2015USD ($)ft²$ / h	Sep. 30, 2014USD ($)$ / h	Sep. 30, 2015USD ($)ft²$ / h	Sep. 30, 2014USD ($)$ / h	Oct. 15, 2015	Feb. 28, 2015	Dec. 31, 2014USD ($)investment_partnership	Nov. 30, 2014	Jun. 30, 2014USD ($)	Jan. 31, 2014	Dec. 31, 2013
Class of Stock [Line Items]
Servicing fee expense			$ 5,922,000
Sale of receivables from dealers			3,057,654,000	$ 2,413,251,000	$ 5,993,407,000	$ 5,483,149,000
Origination in unsecured revolving loans					197,448,000	177,478,000
Stock compensation expense	$ 117,770,000
Number of investment partnerships owned | investment_partnership									2
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			33,423,000		442,339,000
Proceeds from receivables originated under the agreement			48,236,000		575,179,000
LIBOR | Subsequent Event
Class of Stock [Line Items]
Call transaction, basis spread on variable rate							1.00%
Chairman and CEO
Class of Stock [Line Items]
Severance related expenses			12,340,000
Chairman and CEO | Modified Stock Option
Class of Stock [Line Items]
Stock compensation expense			9,881,000
Compensation liability			115,139,000		115,139,000
Investment Gains, Net
Class of Stock [Line Items]
Cost method investment, impairment			6,000,000
Santander
Class of Stock [Line Items]
Guarantee fee, basis spread		0.125%
Guarantee fee expense			1,535,000
Guarantee fee payable			1,535,000		1,535,000
Santander and Affiliates
Class of Stock [Line Items]
Outstanding notional amount			14,887,000		14,887,000				$ 16,330,771
Collateral coverage on derivative liabilities			49,591,000		49,591,000				32,118,000
Derivative instrument interest expenses			22,285,000	8,002,000	54,513,000	29,585,000
SBNA
Class of Stock [Line Items]
Servicing fee income on receivables sold			1,875,000	339,000	5,186,000	968,000
Funds receivable			0		0				0
Referral fee					$ 9,000,000
Referral fee, amortization period					10 years
Unamortized fee balance			6,975,000		$ 6,975,000				7,650,000
Referral fee income			225,000	225,000	675,000	675,000
Origination income			0	6,093,000	8,431,000	16,715,000
Credit loss indemnification of leases			37,917,000		37,917,000				44,805,000		$ 48,226,000
Indemnification expense			566,000		3,142,000
Indemnification liability			2,691,000		2,691,000				0
SBNA | Dealer Loan Portfolio
Class of Stock [Line Items]
Servicing fee income on receivables sold			2,897,000		7,195,000
Servicer performance payments				1,209,000		2,932,000
Relationship management fees receivable			403,000		403,000				450,000
Relationship management fee income			1,186,000		4,257,000
Servicing fee expense			48,000		218,000
Servicing fees payable			14,000		14,000				28,000
SBNA | Loan Origination on Sales of Floorplan Inventory
Class of Stock [Line Items]
Due to related parties			1,988,000		1,988,000				0
SBNA | Serviced Auto Loan and Retail Installment
Class of Stock [Line Items]
Servicing fee income on receivables sold			1,589,000	2,217,000	4,222,000	8,866,000
Affiliates
Class of Stock [Line Items]
Depreciated net capitalized cost				0		369,114,000
Gain on sale of leases				0		5,576,000
Affiliates | Receivables From Dealers
Class of Stock [Line Items]
Sale of receivables from dealers				18,227,000		18,227,000
Gain from sale of receivables from dealers				347,000		347,000
Additional proceeds related to sale			346,000
Additional proceeds if the conditions continue to be me on the second anniversary of the sale			347,000		347,000
Produban Servicios Informaticos Generales S.L
Class of Stock [Line Items]
Expenses incurred			22,000	0	145,000	75,000
Cost Method Investment
Class of Stock [Line Items]
Origination in unsecured revolving loans			4,683,000	3,237,000	22,971,000	6,148,000
Chairman and CEO | Expenses Paid for Use of CEO Private Plane
Class of Stock [Line Items]
Related party, amount of transaction			$ 59,000	$ 115,000	$ 367,000	$ 529,000
Average hourly rate (in usd per hour) | $ / h			5,800	5,800	5,800	5,800
Chairman and CEO | Reimbursement for Use of Leased Space [Member]
Class of Stock [Line Items]
Due to related parties			$ 200,000		$ 200,000
Lease payments			200,000		200,000
Chairman and CEO, President and CFO and Board Member
Class of Stock [Line Items]
Lease payments			$ 1,504,000	$ 36,000	$ 4,005,000	$ 144,000
Area of leased property (in square foot) | ft²			373		373
Lease term					12 years
Future minimum payment of lease			$ 79,550,000		$ 79,550,000
Equity Investors
Class of Stock [Line Items]
Tax indemnification payments receivable									$ 5,504,000

Related-Party Transactions - In

Related-Party Transactions - Interest Expense and Accrued Interest (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Santander
Related Party Transaction [Line Items]
Line of credit agreement, interest expense (Note 5)	$ 24,638	$ 21,408	$ 76,273	$ 68,991
Letter of credit facility with Santander - New York Branch, interest expense (Note 5)	0	128	0	379
Line of credit agreement, accrued interest (Note 5)	7,979		7,979		$ 7,750
Letter of credit facility with Santander - New York Branch, accrued interest (Note 5)	0		0		128
SHUSA
Related Party Transaction [Line Items]
Line of credit agreement, interest expense (Note 5)	1,337	$ 1,339	3,940	$ 3,001
Line of credit agreement, accrued interest (Note 5)	$ 235		$ 235		$ 242

Related-Party Transactions - 73

Related-Party Transactions - Information on Serviced Auto Loan and Retail Installment Contract Portfolio (Details) - Serviced Auto Loan and Retail Installment - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Related Party Transaction [Line Items]
Total serviced portfolio	$ 735,359	$ 896,300
Cash collections due to owner	20,335	21,415
Servicing fees receivable	$ 1,713	$ 2,171

Related-Party Transactions - 74

Related-Party Transactions - Information on Consumer Vehicle Lease Portfolio (Details) - SBNA - Consumer Vehicle Lease - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Related Party Transaction [Line Items]
Total serviced portfolio	$ 2,327,624	$ 1,989,967
Cash collections due to owner	61	1
Lease fundings due from owner	0	3,365
Origination and servicing fees receivable	772	10,345
Revenue share reimbursement receivable	$ 1,127	$ 1,694

Computation of Basic and Dilu75

Computation of Basic and Diluted Earnings per Common Share - Additional Information (Details) - shares shares in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Earnings Per Share [Abstract]
Employee stock option awards excluded from computation of earnings per share (in shares)	1,520,113	1,731,329	1,520,113	1,539,861

Computation of Basic and Dilu76

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		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Earnings per common share
Net income	$ 223,900	$ 191,369	$ 798,614	$ 519,316
Weighted average number of common shares outstanding before restricted participating shares	357,380,000	348,372,000	353,684,000	348,047,000
Weighted average number of participating restricted common shares outstanding	467,000	584,000	467,000	584,000
Weighted average number of common shares outstanding	357,846,564	348,955,505	354,150,973	348,630,740
Earnings per common share (in usd per share)	$ 0.63	$ 0.55	$ 2.26	$ 1.49
Earnings per common share - assuming dilution
Net income	$ 223,900	$ 191,369	$ 798,614	$ 519,316
Weighted average number of common shares outstanding	357,846,564	348,955,505	354,150,973	348,630,740
Effect of employee stock-based awards (in shares)	4,375,000	6,966,000	3,686,000	7,179,000
Weighted average number of common shares outstanding - assuming dilution	362,221,918	355,921,570	357,837,426	355,809,576
Earnings per common share - assuming dilution (in usd per share)	$ 0.62	$ 0.54	$ 2.23	$ 1.46

Fair Value of Financial Instr77

Fair Value of Financial Instruments - Summary of Fair Value Estimates, Methods and Assumptions (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014	Sep. 30, 2014	Dec. 31, 2013
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	$ 104,552	$ 33,157	$ 43,889	$ 10,531
Receivables held for sale	2,709,944	46,585
Finance receivables held for investment, net	23,464,030	23,915,551
Restricted cash	2,217,879	1,920,857
Notes payable — credit facilities	6,654,184	6,402,327
Notes payable — secured structured financings	20,027,111	17,718,974
Notes payable — related party	3,525,000	3,690,000
Carrying Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	104,552	33,157
Receivables held for sale	2,709,944	46,585
Finance receivables held for investment, net	23,464,030	23,915,551
Restricted cash	2,217,879	1,920,857
Notes payable — credit facilities	6,654,184	6,402,327
Notes payable — secured structured financings	20,027,111	17,718,974
Notes payable — related party	3,525,000	3,690,000
Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	104,552	33,157
Receivables held for sale	2,760,561	46,585
Finance receivables held for investment, net	25,150,822	25,576,337
Restricted cash	2,217,879	1,920,857
Notes payable — credit facilities	6,654,184	6,402,327
Notes payable — secured structured financings	20,131,570	17,810,062
Notes payable — related party	$ 3,525,000	$ 3,690,000

Fair Value of Financial Instr78

Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 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	14,135,000		14,135,000		14,160,000
Due from affiliates	10,316,000		10,316,000		35,602,000
Interest Rate Swaps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets					150,000
Due from affiliates					385,000
Other liabilities	2,112,000		2,112,000		243,000
Due to affiliates	10,631,000		10,631,000		12,467,000
Interest Rate Swaps | Designated as Cash Flow Hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets					2,796,000
Due from affiliates					4,823,000
Other liabilities	23,697,000		23,697,000		476,000
Due to affiliates	16,967,000		16,967,000		3,316,000
Treasury Bills
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Due from affiliates	29,915,000		29,915,000
Trading Options for Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other liabilities	14,146,000		14,146,000		14,204,000
Due to affiliates	10,316,000		10,316,000		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
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
Due from affiliates					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	29,915,000		29,915,000
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	14,135,000		14,135,000		14,160,000
Due from affiliates	10,316,000		10,316,000		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					385,000
Other liabilities	2,112,000		2,112,000		243,000
Due to affiliates	10,631,000		10,631,000		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					2,796,000
Due from affiliates					4,823,000
Other liabilities	23,697,000		23,697,000		476,000
Due to affiliates	16,967,000		16,967,000		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	14,146,000		14,146,000		14,204,000
Due to affiliates	10,316,000		10,316,000		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
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
Due from affiliates					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 Instr79

Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value on Nonrecurring Basis (Details) - Vehicles - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets — vehicles	$ 181,791	$ 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	181,791	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	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 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 stock, shares issued	85,242,042		357,954,177		357,954,177			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
Fair value of options granted in period	$ 10,216,000
Stock-based compensation reclassified to liabilities (Note 14)					$ (102,799,000)
Due to affiliates			$ 148,250,000		$ 148,250,000			$ 48,688,000
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
Compensation cost not yet recognized			3,355,000		$ 3,355,000
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
Chairman and CEO
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Share-based compensation to executives			9,881,000		9,881,000
Chairman and CEO | Modified Stock Option
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stock compensation expense			9,881,000
Due to affiliates			102,799,000		$ 102,799,000
Chairman and CEO | Modified Stock Option | Due to Affiliates
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stock-based compensation reclassified to liabilities (Note 14)			(102,799,000)
MEP
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%
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			$ 7,423,000	$ 637,000	$ 8,639,000	$ 1,853,000
Share-based compensation to executives	$ 33,845,000

Employee Benefit Plans - Summar

Employee Benefit Plans - Summary of Stock Options and Related Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Shares
Options outstanding, Beginning balance (in shares)	21,357,911,000
Granted (in shares)	433,844,000
Exercised (in shares)	(8,893,119,000)
Expired (in shares)	(15,197,000)
Forfeited (in shares)	(225,935,000)
Options outstanding, Ending balance (in shares)	12,657,504,000	21,357,911,000
Options exercisable, Ending balance (in shares)	8,933,385,000
Weighted Average Exercise Price
Options outstanding, Beginning balance (in usd per share)	$ 10.82
Granted (in usd per share)	24.29
Exercised (in usd per share)	9.85
Expired (in usd per share)	0
Forfeited (in usd per share)	16.98
Options outstanding, Ending balance (in usd per share)	11.85	$ 10.82
Options exercisable, Weighted average exercise price, Ending balance (in usd per share)	$ 11.27
Weighted Average Remaining Contractual Term (Years)
Options outstanding, Weighted average remaining contractual term (Years)	6 years 7 months 6 days	7 years 2 months 12 days
Options exercisable, Weighted average remaining contractual term (Years)	6 years 6 months
Aggregate Intrinsic Value
Options outstanding, Aggregate intrinsic value	$ 108,438	$ 187,637
Exercised Aggregate intrinsic value	(123,621)
Options exercisable, Aggregate intrinsic value	$ 81,754

Shareholders' Equity - Treasury

Shareholders' Equity - Treasury Stock (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2013	Sep. 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		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 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	$ (24,239)		(24,239)
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	(5,726)	$ (4,129)	3,553	$ (2,853)
Other comprehensive loss before reclassifications	(26,929)	8,115	(50,178)	3,949
Amounts reclassified out of accumulated other comprehensive income (loss)	8,416	570	22,386	3,460
Ending balance, unrealized losses on cash flow hedges	$ (24,239)	$ 4,556	$ (24,239)	$ 4,556

Shareholders' Equity - Reclassi

Shareholders' Equity - Reclassification of Amounts Out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income On Derivatives [Line Items]
Tax benefit	$ 129,106	$ 90,397	$ 431,762	$ 282,081
Reclassification out of Accumulated Other Comprehensive Income | 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	(5,030)	(336)	(13,397)	(2,041)
Net of tax	8,416	570	22,386	3,460
Reclassification out of Accumulated Other Comprehensive Income | 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	$ 13,446	$ 906	$ 35,783	$ 5,501

Subsequent Events (Details)

Subsequent Events (Details) - Lending Company - USD ($)	Oct. 09, 2015	Sep. 30, 2015
Subsequent Event [Line Items]
Termination of Loan Purchase Agreement, effective period from delivery of notice		90 days
Purchase commitment amount		$ 30,000,000
Purchase commitment percent		50.00%
Subsequent Event
Subsequent Event [Line Items]
Termination of Loan Purchase Agreement, effective period from delivery of notice	90 days