Santander Consumer USA (SC) 10-K 31 Mar 16 2015 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Billions	12 Months Ended
	Dec. 31, 2015	Mar. 25, 2016	Jun. 30, 2015
Document And Entity Information [Abstract]
Entity Registrant Name	Santander Consumer USA Holdings Inc.
Entity Central Index Key	1,580,608
Document Type	10-K
Document Period End Date	Dec. 31, 2015
Amendment Flag	false
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	No
Entity Filer Category	Large Accelerated Filer
Entity Public Float			$ 2.8
Entity Common Stock, Shares Outstanding		358,039,346

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	[1]
Assets
Cash and cash equivalents	$ 18,893	$ 33,157
Finance receivables held for sale, net	2,868,603	46,585
Finance receivables held for investment, net	23,479,680	23,972,059
Restricted cash — $39,436 and $44,805 held for affiliates, respectively	2,236,329	1,920,857
Accrued interest receivable	405,464	364,676
Leased vehicles, net	6,516,030	4,862,783
Furniture and equipment, net of accumulated depreciation of $50,409 and $45,768, respectively	58,007	41,218
Federal, state and other income taxes receivable	267,686	502,035
Related party taxes receivable	0	459
Deferred tax asset	0	19,080
Goodwill	74,056	74,056
Intangible assets, net of amortization of $28,422 and $21,990, respectively	53,316	53,682
Due from affiliates	42,665	102,457
Other assets	549,644	403,416
Total assets	36,570,373	32,396,520
Liabilities:
Notes payable — credit facilities	6,902,779	6,402,327
Notes payable — secured structured financings	20,872,900	17,718,974
Notes payable — related party	2,600,000	3,690,000
Accrued interest payable	22,544	17,432
Accounts payable and accrued expenses	413,269	315,130
Federal, state and other income taxes payable	2,449	319
Deferred tax liabilities, net	908,252	511,324
Related party taxes payable	342	0
Due to affiliates	145,013	48,688
Other liabilities	277,862	98,654
Total liabilities	$ 32,145,410	$ 28,802,848
Commitments and contingencies (Notes 6 and 11)
Equity:
Common stock, $0.01 par value - 1,100,000,000 shares authorized; 358,014,870 and 349,029,766 shares issued and 357,945,865 and 348,977,625 shares outstanding, respectively	$ 3,579	$ 3,490
Additional paid-in capital	1,565,856	1,560,519
Accumulated other comprehensive income, net	2,125	3,553
Retained earnings	2,853,403	2,026,110
Total stockholders’ equity	4,424,963	3,593,672
Total liabilities and equity	$ 36,570,373	$ 32,396,520
[1]	As Restated - Note 1

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	[1]
Statement of Financial Position [Abstract]
Restricted cash held for affiliates	$ 39,436	$ 44,805
Accumulated depreciation	50,409	45,768
Amortization	$ 28,422	$ 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	358,014,870	349,029,766
Common stock, shares outstanding	357,945,865	348,977,625
[1]	As Restated - Note 1

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	[1]	Dec. 31, 2013	[1]
Income Statement [Abstract]
Interest on finance receivables and loans	$ 5,251,164	$ 4,631,847		$ 3,773,072
Leased vehicle income	1,037,793	660,493		113,891
Other finance and interest income	18,162	8,068		6,010
Total finance and other interest income	6,307,119	5,300,408		3,892,973
Interest expense — Including $162,353, $141,381, and $93,069 to affiliates, respectively	628,791	523,203		408,787
Leased vehicle expense	721,890	470,984		80,493
Net finance and other interest income	4,956,438	4,306,221		3,403,693
Provision for credit losses	2,965,198	2,682,809		1,832,494
Net finance and other interest income after provision for credit losses	1,991,240	1,623,412		1,571,199
Profit sharing	57,484	74,925		78,246
Net finance and other interest income after provision for credit losses and profit sharing	1,933,756	1,548,487		1,492,953
Investment gains (losses), net — Including ($5,654), $4,917, and $819 from affiliates, respectively	(116,127)	116,765		40,689
Servicing fee income — Including $16,453, $21,930, and $15,762 from affiliates, respectively	131,113	72,627		25,464
Fees, commissions, and other — Including $9,331, $25,985, and $450 from affiliates, respectively	375,079	368,279		245,413
Total other income	390,065	557,671		311,566
Compensation expense	456,262	482,637		305,056
Repossession expense	241,522	201,017		147,543
Other operating costs — Including $9,195, $829, and $1,147 to affiliates, respectively	340,712	278,382		246,359
Total operating expenses	1,038,496	962,036		698,958
Income before income taxes	1,285,325	1,144,122		1,105,561
Income tax expense	458,032	419,885		396,771
Net income	827,293	724,237		708,790
Noncontrolling interests	0	0		1,821
Net income attributable to Santander Consumer USA Holdings Inc. shareholders	827,293	724,237		710,611
Other comprehensive income:
Change in unrealized gains (losses) on cash flow hedges, net of tax of $872, $3,814, and $5,899, respectively	(1,428)	6,406		9,563
Change in unrealized gains (losses) on investments available for sale, net of tax of $1,993	0	0		(3,252)
Other comprehensive income, net	(1,428)	6,406		6,311
Comprehensive income	825,865	730,643		715,101
Comprehensive loss attributable to noncontrolling interests	0	0		953
Comprehensive income attributable to Santander Consumer USA Holdings Inc. shareholders	$ 825,865	$ 730,643		$ 716,054
Net income per common share (basic) (in usd per share)	$ 2.33	$ 2.08		$ 2.05
Net income per common share (diluted) (in usd per share)	2.31	2.04		2.05
Dividends declared per common share (in usd per share)	$ 0	$ 0.15		$ 0.84
Weighted average common shares (basic) (in shares)	355,102,742	348,723,472		346,177,515
Weighted average common shares (diluted) (in shares)	358,887,151	355,722,363		346,177,515
[1]	As Restated - Note 1

CONSOLIDATED STATEMENTS OF INC5

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Statement [Abstract]
Interest expense to affiliates	$ 162,353	$ 141,381	$ 93,069
Investment gains (losses), net from affiliates	(5,654)	4,917	819
Servicing fee income to affiliates	16,453	21,930	15,762
Fees, commissions and other from affiliates	9,331	25,985	450
Other operating costs to affiliates	9,195	829	1,147
Change in unrealized gains (losses) on cash flow hedges, tax	$ 872	$ 3,814	5,899
Change in unrealized gains on investments available for sale, tax			$ 1,993

CONSOLIDATED STATEMENTS OF EQUI

CONSOLIDATED STATEMENTS OF EQUITY - USD ($) $ in Thousands	Total		Common Stock	Additional Paid-in Capital	Accumulated Other Comprehensive Income (Loss)	Retained Earnings	Noncontrolling Interests
Beginning balance, shares (As Reported) at Dec. 31, 2012			346,165,000
Beginning balance, shares at Dec. 31, 2012			346,165,000
Beginning balance (As Reported) at Dec. 31, 2012	$ 2,239,466		$ 3,462	$ 1,335,572	$ (9,164)	$ 869,664	$ 39,932
Beginning balance (Corrections)	64,315					64,315
Beginning balance at Dec. 31, 2012	2,303,781		$ 3,462	1,335,572	(9,164)	933,979	39,932
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Repayment of employee loans	1,562			1,562
Stock issued in connection with employee incentive compensation plans, shares			595,000
Stock issued in connection with employee incentive compensation plans	7		$ 6	1
Issuance of common stock, shares			3,000
Issuance of common stock	23			23
Purchase of treasury stock, shares			(3,000)
Purchase of treasury stock	(23)			(23)
Capital contribution received from shareholder	48,275			48,275
Net income, as restated | As Reported	695,670					697,491
Net income, as restated | Corrections	13,120					13,120
Net income, as restated	708,790	[1]				710,611	(1,821)
Other comprehensive income (loss), net of taxes	6,311	[1]			6,311
Abandonment of noncontrolling interest	(14,058)			24,053			(38,111)
Dividends declared per common share	(290,401)					(290,401)
Ending balance, shares at Dec. 31, 2013			346,760,000
Ending balance (As Reported) at Dec. 31, 2013	2,686,832					1,276,754
Ending balance (Corrections)	77,435					77,435
Ending balance at Dec. 31, 2013	2,764,267		$ 3,468	1,409,463	(2,853)	1,354,189	0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock issued in connection with employee incentive compensation plans, shares			2,267,000
Stock issued in connection with employee incentive compensation plans	19,353		$ 22	19,331
Purchase of treasury stock, shares			(49,000)
Purchase of treasury stock	(960)			(960)
Capital contribution received from shareholder	6,797			6,797
Stock-based compensation	125,888			125,888
Net income, as restated | As Reported	766,349					766,349
Net income, as restated | Corrections	(42,112)					(42,112)
Net income, as restated	724,237	[1]				724,237
Other comprehensive income (loss), net of taxes	6,406	[1]			6,406
Dividends declared per common share	$ (52,316)					(52,316)
Ending balance, shares at Dec. 31, 2014	348,977,625	[1]	348,978,000
Ending balance (As Reported) at Dec. 31, 2014	$ 3,558,349					1,990,787
Ending balance (Corrections)	35,323					35,323
Ending balance at Dec. 31, 2014	3,593,672		$ 3,490	1,560,519	3,553	2,026,110	0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock issued in connection with employee incentive compensation plans, shares			8,985,000
Stock issued in connection with employee incentive compensation plans	88,851		$ 89	88,762
Purchase of treasury stock, shares			(17,000)
Purchase of treasury stock	(267)			(267)
Stock-based compensation	20,567			20,567
Stock-based compensation reclassified to liabilities (Note 16)	(102,799)			(102,799)
Tax sharing with affiliate	(926)			(926)
Net income, as restated	827,293					827,293
Other comprehensive income (loss), net of taxes	$ (1,428)				(1,428)
Ending balance, shares at Dec. 31, 2015	357,945,865		357,946,000
Ending balance at Dec. 31, 2015	$ 4,424,963		$ 3,579	$ 1,565,856	$ 2,125	$ 2,853,403	$ 0
[1]	As Restated - Note 1

CONSOLIDATED STATEMENTS OF EQU7

CONSOLIDATED STATEMENTS OF EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014		Dec. 31, 2013
Statement of Stockholders' Equity [Abstract]
Dividends declared per common share (in usd per share)	$ 0	$ 0.15	[1]	$ 0.84	[1]
[1]	As Restated - Note 1

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015		Dec. 31, 2014	[1]	Dec. 31, 2013
Cash flows from operating activities:
Net income	$ 827,293		$ 724,237		$ 708,790	[1]
Adjustments to reconcile net income to net cash provided by operating activities:
Derivative mark to market	(12,623)		(17,541)		(21,311)	[1]
Provision for credit losses	2,965,198		2,682,809		1,832,494	[1]
Depreciation and amortization	833,071		555,745		147,875
Accretion of discount, net of amortization of capitalized origination costs	(632,402)		(597,928)		(430,093)
Originations and purchases of receivables held for sale	(5,472,995)		(3,936,973)		(1,965,957)	[1]
Proceeds from sales of and repayments on receivables held for sale	4,662,778		4,053,051		1,904,533	[1]
Change in revolving unsecured consumer loans	(107,947)		0		0	[1]
Investment (gains) losses, net	116,127		(116,765)		(40,689)	[1]
Stock-based compensation	20,567		125,888		217	[1]
Deferred tax expense	415,660		650,340		298,616	[1]
Changes in assets and liabilities:
Accrued interest receivable	(93,089)		(68,964)		(108,001)	[1]
Accounts receivable	(8,587)		(9,895)		(8,105)	[1]
Federal income tax and other taxes	237,396		(139,927)		(367,753)	[1]
Other assets	1,571		24,099		(12,046)	[1]
Accrued interest payable	4,204		2,482		3,312	[1]
Other liabilities	125,594		95,838		159,672	[1]
Due to/from affiliates	16,949		(128,022)		19,394	[1]
Net cash provided by operating activities	3,898,765		3,898,474		2,120,948	[1]
Cash flows from investing activities:
Originations of and disbursements on finance receivables held for investment	(16,910,010)		(16,381,530)		(14,748,655)	[1]
Collections on finance receivables held for investment	10,178,209		9,282,673		8,134,572	[1]
Proceeds from sale of loans held for investment	2,187,328		2,823,046		913,395	[1]
Leased vehicles purchased	(5,149,481)		(4,482,921)		(2,420,882)	[1]
Manufacturer incentives received	979,183		895,964		412,897	[1]
Proceeds from sale of leased vehicles	1,926,068		465,481		18,188	[1]
Change in revolving personal loans	(438,785)		(560,388)		(911,024)	[1]
Collections on investments available for sale	0		0		91,563	[1]
Purchases of furniture and equipment	(18,798)		(19,256)		(23,353)	[1]
Sales of furniture and equipment	511		951		601	[1]
Upfront fee paid in accordance with private- label financing agreement	0		0		(150,000)	[1]
Change in restricted cash	(466,497)		(357,244)		(273,152)	[1]
Other investing activities	(8,829)		(5,921)		(6,530)	[1]
Net cash used in investing activities	(7,721,101)		(8,339,145)		(8,962,380)	[1]
Cash flows from financing activities:
Proceeds from notes payable related to secured structured financings — net of debt issuance costs	15,232,692		11,948,421		10,072,311	[1]
Payments on notes payable related to secured structured financings	(11,113,459)		(9,439,255)		(7,845,301)	[1]
Sale of retained bonds	0		0		98,650	[1]
Proceeds from unsecured notes payable	7,395,000		5,082,062		4,223,822	[1]
Payments on unsecured notes payable	(8,485,000)		(5,322,030)		(3,517,755)	[1]
Proceeds from notes payable	26,134,570		25,543,242		22,954,383	[1]
Payments on notes payable	(25,460,056)		(23,310,720)		(18,935,343)	[1]
Proceeds from stock option exercises, gross	87,762		24,809		48,275	[1]
Repurchase of stock - employee tax withholding	(267)		(6,960)		1,562	[1]
Dividends paid	0		(52,316)		(290,401)	[1]
Cash collateral received (paid) on cash flow hedges	16,830		(3,956)		(29,127)	[1]
Net cash provided by financing activities	3,808,072		4,463,297		6,781,076	[1]
Net increase (decrease) in cash and cash equivalents	(14,264)		22,626		(60,356)	[1]
Cash — Beginning of year	33,157	[1]	10,531		70,887
Cash — End of year	$ 18,893		$ 33,157		$ 10,531	[1]
[1]	As Restated - Note 1

Description of Business, Basis

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices	12 Months Ended
	Dec. 31, 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 and third-party servicing. 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 a ten -year private label financing agreement (the Chrysler Agreement) with Fiat Chrysler Automobiles US LLC (FCA) that became effective May 1, 2013, the Company offers a full spectrum of auto financing products and services to FCA 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 December 31, 2015 , the Company was owned approximately 58.9% by Santander Holdings USA, Inc. (SHUSA), a subsidiary of Banco Santander, S.A. (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). Because the Call Transaction was not consummated prior to October 15, 2015 (the Call End Date), DDFS LLC 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 LLC and Santander. Also, because the Call Transaction was not completed prior to the Call End Date, interest began accruing 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 12). Basis of Presentation The accompanying consolidated financial statements include the accounts of the Company and its subsidiaries, including certain Trusts, which are considered variable interest entities (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. Corrections of errors The Company has determined that its historical methodology for estimating its credit loss allowance for individually acquired retail installment contracts was in error as it did not estimate impairment on troubled debt restructurings (TDRs) separately from a general credit loss allowance on loans not classified as TDRs, and incorrectly applied a loss emergence period to the entire portfolio rather than only to loans not classified as TDRs. The Company has corrected its allowance methodology accordingly, and has determined, based on this corrected methodology, that the credit loss allowance reported on the consolidated balance sheets as of December 31, 2014, 2013, and 2012 was overstated by $56,508 , $122,374 , and $101,901 , respectively. In addition, the Company has determined that it had incorrectly identified the population of loans that should be classified as TDRs and, separately, had incorrectly estimated the impairment on these loans, as of each of these balance sheet dates. The Company also has determined that subvention payments related to leased vehicles were incorrectly classified, within the income statement, as an addition to Leased vehicle income rather than a reduction of Leased vehicle expense. The following table summarizes the impacts of the corrections on the consolidated balance sheet as of December 31, 2014: As Reported Corrections As Restated Finance receivables held for investment, net $ 23,915,551 $ 56,508 $ 23,972,059 Deferred tax asset 21,244 (2,164 ) 19,080 Total assets 32,342,176 54,344 32,396,520 Deferred tax liabilities, net 492,303 19,021 511,324 Total liabilities 28,783,827 19,021 28,802,848 Retained earnings 1,990,787 35,323 2,026,110 Total stockholders’ equity 3,558,349 35,323 3,593,672 Total liabilities and equity 32,342,176 54,344 32,396,520 The following table summarizes the impacts of the corrections on the consolidated statement of income for the year ended December 31, 2014: As Reported Corrections As Restated Leased vehicle income $ 929,745 $ (269,252 ) $ 660,493 Total finance and other interest income 5,569,660 (269,252 ) 5,300,408 Leased vehicle expense 740,236 (269,252 ) 470,984 Provision for credit losses 2,616,943 65,866 2,682,809 Net finance and other interest income after provision for credit losses 1,689,278 (65,866 ) 1,623,412 Net finance and other interest income after provision for credit losses and profit sharing 1,614,353 (65,866 ) 1,548,487 Income before income taxes 1,209,988 (65,866 ) 1,144,122 Income tax expense 443,639 (23,754 ) 419,885 Net income 766,349 (42,112 ) 724,237 Comprehensive income $ 772,755 $ (42,112 ) $ 730,643 Net income per common share (basic) $ 2.20 $ (0.12 ) $ 2.08 Net income per common share (diluted) $ 2.15 $ (0.11 ) $ 2.04 The following table summarizes the impacts of the corrections on the consolidated statement of income for the year ended December 31, 2013: As Reported Corrections As Restated Leased vehicle income $ 154,939 $ (41,048 ) $ 113,891 Total finance and other interest income 3,934,021 (41,048 ) 3,892,973 Leased vehicle expense 121,541 (41,048 ) 80,493 Provision for credit losses 1,852,967 (20,473 ) 1,832,494 Net finance and other interest income after provision for credit losses 1,550,726 20,473 1,571,199 Net finance and other interest income after provision for credit losses and profit sharing 1,472,480 20,473 1,492,953 Income before income taxes 1,085,088 20,473 1,105,561 Income tax expense 389,418 7,353 396,771 Net income 695,670 13,120 708,790 Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 697,491 $ 13,120 $ 710,611 Comprehensive income $ 701,981 $ 13,120 $ 715,101 Comprehensive income attributable to Santander Consumer USA Holdings Inc. shareholders $ 702,934 $ 13,120 $ 716,054 Net income per common share (basic) $ 2.01 $ 0.04 $ 2.05 Net income per common share (diluted) $ 2.01 $ 0.04 $ 2.05 The following table summarizes the impact of the corrections on the consolidated statements of equity for the years ended December 31, 2014 and 2013: Retained Earnings Total Stockholders' Equity As Reported Corrections As Restated As Reported Corrections As Restated Balance — January 1, 2013 $ 869,664 $ 64,315 $ 933,979 $ 2,239,466 $ 64,315 $ 2,303,781 Net income for the year ended December 31, 2013 697,491 13,120 710,611 695,670 13,120 708,790 Balance — December 31, 2013 1,276,754 77,435 1,354,189 2,686,832 77,435 2,764,267 Net income for the year ended December 31, 2014 766,349 (42,112 ) 724,237 766,349 (42,112 ) 724,237 Balance — December 31, 2014 1,990,787 35,323 2,026,110 3,558,349 35,323 3,593,672 The following table summarizes the impact of the corrections on the consolidated statement of cash flows for the year ended December 31, 2014: As Reported Corrections As Restated Cash flows from operating activities: Net income $ 766,349 $ (42,112 ) $ 724,237 Adjustments to reconcile net income to net cash provided by operating activities: Provision for credit losses 2,616,943 65,866 2,682,809 Depreciation and amortization 824,997 (269,252 ) 555,745 Accretion of discount, net of amortization of capitalized origination costs (867,180 ) 269,252 (597,928 ) Deferred tax expense 674,094 (23,754 ) 650,340 The following table summarizes the impact of the corrections on the consolidated statement of cash flows for the year ended December 31, 2013: As Reported Corrections As Restated Cash flows from operating activities: Net income $ 695,670 $ 13,120 $ 708,790 Adjustments to reconcile net income to net cash provided by operating activities: Provision for credit losses 1,852,967 (20,473 ) 1,832,494 Depreciation and amortization 188,923 (41,048 ) 147,875 Accretion of discount, net of amortization of capitalized origination costs (471,141 ) 41,048 (430,093 ) Deferred tax expense 291,263 7,353 298,616 Certain footnote disclosures herein have been restated to reflect the effects of the corrections related to allowance methodology, as well as other corrections made in order for the footnote disclosure amounts to be in accordance with GAAP. Footnote disclosures that have been corrected are denoted with “As restated.” Footnote disclosures not affected are unchanged and reflect the disclosures made at the time of the previous filing. The impact of the corrections on the Company's disclosure of retail installment contract TDRs as of December 31, 2014 was as follows: As Reported Corrections As Restated Outstanding recorded investment $ 4,207,037 $ (106,647 ) $ 4,100,390 Impairment (797,240 ) (362,587 ) (1,159,827 ) Outstanding recorded investment, net of impairment $ 3,409,797 $ (469,234 ) $ 2,940,563 The impact of the corrections on the Company's disclosure of delinquent retail installment contract TDRs at December 31, 2014 was as follows: As Reported Corrections As Restated Principal, 31-60 days past due $ 929,095 $ (16,540 ) $ 912,555 Delinquent principal over 60 days 515,235 (46,963 ) 468,272 Total delinquent TDR principal $ 1,444,330 $ (63,503 ) $ 1,380,827 The impact of the corrections on the Company's disclosures of the average recorded investment and income recognized on retail installment contract TDRs was as follows: December 31, 2014 December 31, 2013 As Reported Corrections As Restated As Reported Corrections As Restated Average outstanding recorded investment in TDRs $ 3,289,520 $ (93,418 ) $ 3,196,102 $ 2,466,122 $ (322,896 ) $ 2,143,226 Interest income recognized 481,843 27,161 509,004 322,965 20,921 343,886 The impact of the corrections on the Company's disclosures of the financial effects of retail installment contract TDRs that occurred for the years ended December 31, 2014 and 2013 was as follows: For the Year Ended December 31, 2014 December 31, 2013 As Reported Corrections As Restated As Reported Corrections As Restated Outstanding recorded investment before TDR $ 3,042,731 $ (121,545 ) $ 2,921,186 $ 1,755,241 $ (9,332 ) $ 1,745,909 Outstanding recorded investment after TDR $ 3,039,419 $ (82,657 ) $ 2,956,762 $ 1,747,837 $ 21,520 $ 1,769,357 Number of contracts (not in thousands) 184,640 (13,473 ) 171,167 116,846 (6,340 ) 110,506 The impact of the corrections on the Company's disclosures of retail installment contracts modified as TDRs within the previous twelve months that subsequently defaulted for the years ended December 31, 2014 and 2013 was as follows: For the Year Ended December 31, 2014 December 31, 2013 As Reported Corrections As Restated As Reported Corrections As Restated Recorded investment in TDRs that subsequently defaulted $ 419,032 $ 107,835 $ 526,867 $ 79,714 $ 250,927 $ 330,641 Number of contracts (not in thousands) 36,843 (4,622 ) 32,221 6,383 15,479 21,862 The impact of the corrections on the Company's disclosures of the carrying and fair values of finance receivables held for investment, net as of December 31, 2014 : Finance receivables held for investment, net - Level 3 Carrying Value As Reported Corrections As Restated Finance receivables held for investment, net $ 23,915,551 $ 56,508 $ 23,972,059 Reclassifications 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 consolidated balance sheet, now are reported in aggregate in the 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 parenthetically and included with third party balances on the consolidated balance sheet, are now reported as separate line items in the consolidated balance sheet. The classification of related-party assets and liabilities reported in the consolidated balance sheets as of December 31, 2015 and 2014 is as follows: Related-Party Assets and Liabilities Classification as of December 31, 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 The reclassifications in the consolidated balance sheets also are reflected in the corresponding categories in the 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, market values of loans, 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. Accounting Policies Finance Receivables Finance receivables are comprised of retail installment contracts individually acquired, purchased receivables, receivables from dealer, personal loans, and capital lease receivables. Finance receivables are classified as either held for sale or held for investment, depending on the Company’s intent and ability to hold the underlying contract until maturity or payoff. Most of the Company’s retail installment contracts held for investment are pledged under its warehouse facilities or securitization transactions. Retail Installment Contracts Retail installment contracts consist largely of nonprime automobile finance receivables, which are acquired individually from dealers at a nonrefundable discount from the contractual principal amount. Retail installment contracts also include receivables originated through a direct lending program and loan portfolios purchased from other lenders. Retail installment contracts acquired individually or originated directly are primarily classified as held for investment and carried at amortized cost, net of allowance for credit losses. The Company has elected the fair value option for certain non-performing loans acquired through the exercise of a clean-up call (Note 7). Accordingly, changes in the fair value of these finance receivables, which are based upon fair value estimates (Note 15), are reported in investment gains (losses), net, in the consolidated statements of income and comprehensive income. The fair value of finance receivables for which the Company has elected the fair value option was $6,770 and zero as of December 31, 2015 and 2014 , respectively. Interest is accrued when earned in accordance with the terms of the retail installment contract. The accrual of interest is discontinued and reversed once a retail installment contract becomes more than 60 days past due, and is resumed and reinstated if a delinquent account subsequently becomes 60 days or less past due. The amortization of discounts, subvention payments from manufacturers, and other origination costs on retail installment contracts held for investment acquired individually, or through a direct lending program, are recognized as adjustments to the yield of the related contract using the effective interest method. The Company estimates future principal prepayments and defaults in the calculation of the constant effective yield. Purchased Receivables Portfolios Receivables portfolios purchased from other lenders that are purchased at amounts less than the principal amount of those receivables, resulting in a discount to par, are accounted for in accordance with ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality , if the discount was attributable, at least in part, to the expectation that not all contractual cash flows will be received from borrowers, which did not exist at the origination of the loans. The excess of the estimated undiscounted principal, interest, and other cash flows expected to be collected over the initial investment in the acquired loans, or accretable yield, is accreted to interest income over the expected life of the loans using the effective interest rate method. The nonaccretable difference is the excess between the contractually required payments and the amount of cash flows, considering the impact of prepayments, expected to be collected. The nonaccretable difference is not accreted into income. Any deterioration in the performance of the purchased portfolios results in an incremental impairment. Improvements in performance of the purchased pools that significantly increase actual or expected cash flows result in first a reversal of previously recorded impairment and then in a transfer of the excess from nonaccretable difference to accretable yield, which will be recorded as finance income over the remaining life of the receivables. Personal Loans, Net Personal loans, net, primarily consist of both revolving and amortizing term finance receivables acquired individually under terms of the Company’s agreements with certain third parties who originate and continue to service the loans. Personal loans also include private-label revolving lines of credit originated through the Company’s relationship with a point-of-sale lending technology company. Certain of the revolving receivables were acquired at a discount. Interest is accrued when earned in accordance with the terms of the contract. The accrual of interest on amortizing term receivables is discontinued and reversed once a receivable becomes past due more than 60 days , and is resumed and reinstated if a delinquent account subsequently becomes 60 days or less past due. The accrual of interest on revolving personal loans continues until the receivable becomes 180 days past due, at which point the principal amount and interest are charged off. The amortization of discounts is recognized on a straight-line basis over the estimated period over which the receivables are expected to be outstanding. Receivables from Dealers Receivables from dealers include floorplan loans provided to dealerships to finance new and used vehicles for their inventory. Receivables from dealers also include real estate loans and working capital revolving lines of credit. Interest on these loans is accrued when earned in accordance with the agreement with the dealer. Receivables from dealers the Company does not have the intent and ability to hold for the foreseeable future or until maturity or payoff are classified as held for sale and carried at the lower of cost or market, as determined on an aggregate basis. Dealers with floorplan loans are permitted to deposit cash with the Company in exchange for a lower interest rate. This cash is commingled with the Company’s other cash and available for general use. As of December 31, 2015 and 2014 , no dealer had cash on deposit with the Company. Finance Receivables Held for Sale Finance receivables, which may include any of the receivables described above, that the Company does not have the intent and ability to hold for the foreseeable future or until maturity or payoff, including those previously designated as held for investment and subsequently identified for sale, are classified as held for sale, at origination or at the time a decision to sell is made. Finance receivables designated as held for sale are carried at the lower of cost or market, as determined on an aggregate basis. Cost, or recorded investment, includes deferred net origination fees and costs, premium or discounts, accrued interest, manufacturer subvention (if any) and any direct write-down of the investment. When loans are transferred from held for investment, if the recorded investment of a loan exceeds its market value at the time of initial designation as held for sale, the Company will recognize a direct write-down of the excess of the recorded investment over market as a charge-off against the credit loss allowance. Subsequent to the initial measurement of retail installment contracts held for sale, market declines in the recorded investment, whether due to credit or market risk, are recorded through investment gains (losses), net as lower of cost or market adjustments. Provision for Credit Losses Provisions for credit losses are charged to operations in amounts sufficient to maintain the credit loss allowance at a level considered adequate to cover probable credit losses inherent in the finance receivables held for investment portfolio other than those classified as TDRs. Probable losses are estimated based on contractual delinquency status and historical loss experience, in addition to the Company’s judgment of estimates of the value of the underlying collateral, bankruptcy trends, economic conditions such as unemployment rates, changes in the used vehicle value index, delinquency status, historical collection rates and other information in order to make the necessary judgments as to probable loan losses. Provisions for credit losses are charged to operations for impairment on TDRs. Retail installment contracts acquired individually are charged off against the allowance in the month in which the account becomes 120 days contractually delinquent if the Company has not repossessed the related vehicle. The Company charges off accounts in repossession when the automobile is repossessed and legally available for disposition. A charge-off represents the difference between the estimated net sales proceeds and the amount of the delinquent contract. Accounts in repossession that have been charged off and are pending liquidation are removed from retail installment contracts and the related repossessed automobiles are included in other assets in the Company’s consolidated balance sheets. Term and revolving personal loans are charged off against the allowance in the month in which the accounts become 120 and 180 days contractually delinquent, respectively. In addition to maintaining a general allowance based on risk ratings, receivables from dealers are evaluated individually for impairment with allowances established for receivables determined to be individually impaired. Receivables from dealers are charged off against these allowances at management’s discretion based on the dealer’s individual facts and circumstances. Troubled Debt Restructurings A modification of finance receivable terms is considered a troubled debt restructuring (TDR) if the Company grants a concession it would not otherwise have considered to a borrower for economic or legal reasons related to the debtor's financial difficulties. The Company considers TDRs to include all individually acquired retail installment contracts or personal revolving loans 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. The purchased receivables portfolio and operating and capital leases are excluded from the scope of the applicable guidance, and none of the Company's personal term loans or dealer loans have been modified or deferred. For TDRs, impairment is typically measured based on the difference between the net carrying value of the loan and the present value of the expected future cash flows of the loan. The loan may also be measured for impairment based on the fair value of the underlying collateral less costs to sell for loans that are collateral dependent. Leased Vehicles, Net Most vehicles for which the Company is the lessor are classified as operating leases, as they do not meet the accounting requirements to be classified as a capital lease. The net capitalized cost of each lease is recorded as an asset and depreciated on a straight-line basis over the contractual term of the lease to the expected residual value. The expected residual value and, accordingly, the monthly depreciation expense may change throughout the term of the lease. The Company estimates expected residual values using independent data sources and internal statistical models that take into consideration economic conditions, current auction results, the Company’s remarketing abilities, and manufacturer vehicle and marketing programs. Over the life of the lease, the Company evaluates the adequacy of the estimate of the residual value and may make adjustments to the depreciation rates to the extent the expected value of the vehicle at lease termination changes. Lease payments due from customers are recorded as income until and unless a customer becomes more than 60 days delinquent, at which time the accrual of revenue is discontinued and reversed. The accrual is resumed and reinstated if a delinquent account subsequently becomes 60 days or less past due. Subvention payments from the manufacturer, down payments from the customer, and initial direct costs incurred in connection with originating the lease are treated as a reduction to the cost basis of the underlying lease asset and are amortized on a straight-line basis over the contractual term of the lease. The amortization of manufacturer subvention payments is reflected as a reduction to depreciation expense over the life of the contract. The Company periodically evaluates its investment in operating leases for impairment if circumstances, such as a general decline in used vehicle values, indicate that an impairment may exist. Capital Lease Receivables, net Leases classified as capital leases are accounted for as direct financing leases. Minimum lease payments plus the estimated residual value of the leased vehicle are recorded as the gross investment. The difference between the gross investment and the cost of the leased vehicle is recorded as unearned income. Direct financing leases are reported at the aggregate of gross investments, net of unearned income and allowance for lease losses. Income for direct financing leases is recognized using the effective interest method, which provides a constant periodic rate of return on the outstanding investment on the lease. Repossessed Vehicles and Repossession Expense Repossessed vehicles represent vehicles the Company has repossessed due to the borrowers’ default on the payment terms of the retail installment contracts, loans or leases. The Company generally begins repossession activity once a customer has reached 60 days past due. The customer has an opportunity to redeem the repossessed vehicle by paying all outstanding balances, including finance charges and fees. Any vehicles not redeemed are sold at auction. The Company records the vehicles currently in its inventory at the lower of cost or estimated fair value, net of estimated costs to sell. (See Notes 9 and 15.) Repossession expense includes the costs to repossess and sell vehicles obtained due to borrower default. These costs include transportation, storage, rekeying, condition reports, legal fees and the fees paid to repossession agents. Noncontrolling Interests Noncontrolling interests represent the activity and net assets of two Delaware limited liability companies (the LLCs), Auto Loan Acquisition 2011-A LLC and Auto Loan Acquisition 2011-B LLC, which were formed in 2011 to purchase and hold certain loan portfolios. Two of the investors in Sponsor Auto Finance Holdings Series LP (Auto Finance Holdings), then an investor in the Company, were the equity investors in the LLCs. Although SC had no equity interest in the LLCs, it had variable interests in the LLCs, including the servicing agreements and an investment in subordinated bonds of the LLCs. Because the Company had the power, through execution of the servicing agreements, to direct the activities of the LLCs that had the most impact on the LLCs’ performance, and had the potential to absorb losses of the entities because of the investment in the bonds, SC was considered the primary beneficiary. Accordingly, these LLCs were consolidated in SC’s consolidated financial statements, with noncontrolling interest expense recorded equal to their entire net income. On August 30, 2013, the two equity investors abandoned their interests in the LLCs, resulting in SC having full ownership of the LLCs. Accordingly, the $38,111 noncontrolling interests balance as of that date was reclassified into additional paid-in capital, net of a $14,058 adjustment to the deferred tax asset representing the change in the book-tax basis difference of SC’s investment in the LLCs. As a result of the abandonment, noncontrolling interests are no longer recorded. Sales of Finance Receivables and Leases The Company transfers retail installment contracts into newly formed Trusts, which then issue one or more classes of notes payable backed by the retail installment contracts. The Company’s continuing involvement with the credit facilities and Trusts are in the form of servicing loans held by the special purpose entities (SPEs) and, generally, through holding a residual interest in the SPE. These transactions are structured without recourse. The Trusts are considered VIEs under U.S. GAAP and are consolidated when the Company has: (a) power over the significant activities of the entity and (b) an obligation to absorb losses or the right to receive benefits from the VIE which are potentially significant to the VIE. The Company has power over the significant activities of those Trusts as servicer of the financial assets held in the Trust. Servicing fees are not considered significant variable interests in the Trusts; however, when the Company also retains a residual interest in the Trust, either in the form of a debt security or equity interest, the Company has an obligation to absorb losses or the right to receive benefits that are potentially significant to the SPE. Accordingly, these Trusts are consolidated within the consolidated financial statements, and the associated retail installment contracts, borrowings under credit facilities and securitization notes payable remain on the consolidated balance sheets. Securitizations involving Trusts in which the Company does not retain a residual interest or any other debt or equity interests are treated as sales of the associated retail installment contracts. While these Trusts are included in the consolidated financial statements, these Trusts are separate legal entities; thus, the finance receivables and other assets sold to these Trusts are legally owned by these Trusts, are available only to satisfy the notes payable related to the securitized retail installment contracts, and are not available to the Company's creditors or other subsidiari

Finance Receivables

Finance Receivables	12 Months Ended
	Dec. 31, 2015
Receivables [Abstract]
Finance Receivables	Finance Receivables Finance receivables held for investment, net is comprised of the following at December 31, 2015 and 2014 : December 31, 2015 December 31, 2014 As restated Retail installment contracts acquired individually $ 23,111,146 $ 21,327,094 Purchased receivables 244,362 683,859 Receivables from dealers 76,025 99,490 Personal loans 941 1,779,777 Capital lease receivables (Note 3) 47,206 81,839 $ 23,479,680 $ 23,972,059 The Company's held for investment portfolio of retail installment contracts acquired individually, receivables from dealers, and personal loans was comprised of the following at December 31, 2015 and 2014 : December 31, 2015 Retail Installment Contracts Receivables from Personal Loans (a) Unpaid principal balance $ 26,863,946 $ 76,941 $ 941 Credit loss allowance (Note 4) (3,296,023 ) (916 ) — Discount (502,342 ) — — Capitalized origination costs and fees 45,565 — — Net carrying balance $ 23,111,146 $ 76,025 $ 941 December 31, 2014 Retail Installment Contracts Receivables from Personal Loans As restated - Note 1 Unpaid principal balance $ 24,555,106 $ 100,164 $ 2,128,769 Credit loss allowance (Note 4) (2,669,830 ) (674 ) (348,660 ) Discount (597,862 ) — (1,356 ) Capitalized origination costs 39,680 — 1,024 Net carrying balance $ 21,327,094 $ 99,490 $ 1,779,777 Purchased receivables portfolios, which were acquired with deteriorated credit quality, were comprised of the following at December 31, 2015 and 2014 : December 31, 2015 December 31, 2014 Unpaid principal balance $ 359,822 $ 846,355 Outstanding recorded investment $ 419,183 $ 873,134 Less: Impairment (174,821 ) (189,275 ) Outstanding recorded investment, net of impairment $ 244,362 $ 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 transferred the personal loan portfolio at the lower of cost or market with the lower of cost or market adjustment being charged off against the credit loss allowance. The net impact of the reclassification of the personal loan portfolio to held for sale was a decrease to provision expense of $13,999 . Loan originations and purchases under the Company’s personal lending platform subsequent to September 30, 2015, also are classified as held for sale. Following the reclassification of personal loans to held for sale, further adjustments to the recorded investment in personal loans held for sale, whether due to customer default or declines in market value, are recorded in investment gains (losses), net in the consolidated statement of income and comprehensive income (Note 19). At December 31, 2015 , the Company determined that its intent to sell certain non-performing personal loans with an unpaid principal balance of $18,807 had changed and now expects to hold these loans through their maturity. The Company recorded a lower of cost or market adjustment of $17,866 through investment gains (losses), net, immediately prior to transferring the loans to finance receivables held for investment at their new recorded investment of $941 . The carrying value of the Company's finance receivables held for sale was comprised of the following at December 31, 2015 and 2014 : December 31, 2015 December 31, 2014 Retail installment contracts acquired individually $ 905,710 $ 45,424 Receivables from dealers — 1,161 Personal loans 1,962,893 — $ 2,868,603 $ 46,585 Sales of retail installment contracts to third parties and proceeds from sales of charged-off assets for the years ended December 31, 2015 , 2014 , and 2013 were as follows: For the Year Ended December 31, 2015 2014 2013 Sales of retail installment contracts to third parties $ 7,862,520 $ 6,620,620 $ 2,505,442 Proceeds from sales of charged-off assets 122,436 26,674 121,868 The Company retains servicing of retail installment contracts sold to third parties. Total contracts sold to unrelated third parties and serviced as of December 31, 2015 and 2014 were as follows: December 31, 2015 December 31, 2014 Serviced balance of retail installment contracts sold to third parties $ 12,155,844 $ 7,372,884 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 6). Most of the creditors on the Company’s retail installment contracts are retail consumers; however, $1,087,024 and $816,100 of the unpaid principal balance represented fleet contracts with commercial borrowers as of December 31, 2015 and 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 December 31, 2015 and 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 Agreement-related. Borrowers on these dealer receivables are located in Virginia ( 40% ), California ( 24% ), New York ( 19% ), Mississippi ( 9% ), Missouri ( 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 Year Ended December 31, 2015 2014 2013 Balance — beginning of year $ 264,416 $ 403,400 $ 816,854 Accretion of accretable yield (89,133 ) (194,996 ) (493,778 ) Reclassifications from nonaccretable difference 18,281 56,012 80,324 Balance — end of year $ 193,564 $ 264,416 $ 403,400 During the years ended December 31, 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. However, in December 2015, the Company recognized certain retail installment loans with an unpaid principal balance of $95,596 held by a non-consolidated securitization Trust under an optional clean-up call (Note 7). Following the initial recognition of these loans at fair value, the performing loans in the portfolio will be carried at amortized cost, net of allowance for credit losses. The Company elected the fair value option for all non-performing loans acquired (more than 60 days delinquent as of the re-recognition date), for which it was probable that not all contractually required payments would be collected (Note 15).

Leases

Leases	12 Months Ended
	Dec. 31, 2015
Leases [Abstract]
Leases	Leases The Company has both operating and capital leases, which are separately accounted for and recorded on the Company's 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 December 31, 2015 and 2014 : December 31, December 31, Leased vehicles $ 8,862,214 $ 6,309,096 Less: accumulated depreciation (1,517,198 ) (804,629 ) Depreciated net capitalized cost 7,345,016 5,504,467 Manufacturer subvention payments, net of accretion (a) (845,142 ) (645,874 ) Origination fees and other costs 16,156 4,190 Net book value $ 6,516,030 $ 4,862,783 (a) The Company recognized accretion of lease subvention payments, as a reduction to depreciation expense, of $465,093 and $269,252 for the years ended December 31, 2015 and 2014, respectively. During the year ended December 31, 2015 , the Company executed bulk sales of Chrysler Capital leases with an aggregate depreciated net capitalized cost of $1,316,958 , and a net book value of $1,155,171 , 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 11). The Company retained servicing on the sold leases. Due to the accelerated depreciation permitted for tax purposes, these sales generated taxable gains of $784,365 that the Company deferred through a qualified like-kind exchange program. Taxable gains of $327 that did not qualify for deferral were 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 December 31, 2015 : 2016 $ 1,140,744 2017 760,665 2018 274,319 2019 8,279 2020 — Thereafter — Total $ 2,184,007 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 December 31, 2015 and 2014 : December 31, December 31, Gross investment in capital leases $ 91,393 $ 137,543 Origination fees and other 155 78 Less unearned income (24,464 ) (46,193 ) Net investment in capital leases before allowance 67,084 91,428 Less: allowance for lease losses (19,878 ) (9,589 ) Net investment in capital leases $ 47,206 $ 81,839 The following summarizes the future minimum lease payments due to the Company as lessor under capital leases as of December 31, 2015 : 2016 $ 27,393 2017 27,318 2018 26,075 2019 9,795 2020 812 Thereafter — Total $ 91,393

Credit Loss Allowance and Credi

Credit Loss Allowance and Credit Quality	12 Months Ended
	Dec. 31, 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 not classified as TDRs based on delinquency status, historical loss experience, estimated values of underlying collateral, when applicable, and various economic factors. Loans classified as TDRs are assessed for impairment based on the present value of expected future cash flows discounted at the original effective interest rate. The Company maintains a general credit loss allowance for receivables from dealers based on risk ratings, and individually evaluates 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 years ended December 31, 2015 , 2014 , and 2013 were as follows: Year Ended December 31, 2015 Retail Installment Receivables Personal Loans (a) Balance — beginning of year $ 2,669,830 $ 674 $ 348,660 Provision for credit losses 2,612,944 242 324,634 Charge-offs (b) (4,061,343 ) — (695,918 ) Recoveries 2,101,709 — 22,624 Impact of loans transferred to held for sale (27,117 ) — — Balance — end of year $ 3,296,023 $ 916 $ — (a) As of December 31, 2015 , substantially all of the Company's personal loans were classified as held for sale. (b) Charge-offs of retail installment contracts acquired individually and personal loans include lower of cost or market adjustments of $73,388 and $377,598 , respectively, which were charged off against the credit loss allowance. Year Ended December 31, 2014 Retail Installment Receivables Personal Loans As restated Balance — beginning of year, as restated $ 2,010,260 $ 1,090 $ 179,350 Provision for credit losses, as restated 2,276,921 (416 ) 434,030 Charge-offs (3,341,047 ) — (286,331 ) Recoveries 1,723,696 — 21,611 Balance — end of year, as restated $ 2,669,830 $ 674 $ 348,660 Year Ended December 31, 2013 Retail Installment Receivables Personal Loans Balance — beginning of year, as reported $ 1,555,362 $ — $ — Correction of an error (Note 1) (101,901 ) — — Balance — beginning of year, as restated $ 1,453,461 $ — $ — Provision for credit losses, as restated 1,630,943 1,090 192,745 Charge-offs (2,094,149 ) — (13,413 ) Recoveries 1,020,005 — 18 Balance — end of year, as restated $ 2,010,260 $ 1,090 $ 179,350 The impairment activity related to purchased receivables portfolios for the years ended December 31, 2015 , 2014 , and 2013 was as follows: For the Year Ended December 31, 2015 2014 2013 Balance — beginning of year $ 188,639 $ 226,356 $ 218,640 Incremental provisions for purchased receivables portfolios 475 3,568 313,021 Incremental reversal of provisions for purchased receivables portfolios (14,293 ) (41,285 ) (305,305 ) Balance — end of year $ 174,821 $ 188,639 $ 226,356 The Company estimates lease losses on the capital lease receivable portfolio based on delinquency status and loss experience to date, as well as various economic factors. The activity in the lease loss allowance for capital leases for the years ended December 31, 2015 and 2014 was as follows: For the Year Ended December 31, 2015 2014 Balance — beginning of year $ 9,589 $ — Provision for credit losses 41,196 9,991 Charge-offs (64,209 ) (804 ) Recoveries 33,302 402 Balance — end of year $ 19,878 $ 9,589 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. The unpaid principal balance on revolving personal loans 90 days past due and still accruing totaled $110,972 and $90,186 as of December 31, 2015 and 2014, respectively. A summary of delinquencies as of December 31, 2015 and 2014 is as follows: December 31, 2015 Retail Installment Contracts Held for Investment Loans Purchased Total Principal, 31-60 days past due $ 2,454,986 $ 30,442 $ 2,485,428 Delinquent principal over 60 days 1,191,567 17,297 1,208,864 Total delinquent principal $ 3,646,553 $ 47,739 $ 3,694,292 December 31, 2014 Retail Installment Contracts Held for Investment Personal Loans Loans Purchased Total Principal, 31-60 days past due $ 2,319,203 $ 131,634 $ 2,450,837 $ 52,452 Delinquent principal over 60 days 1,030,580 72,473 1,103,053 138,400 Total delinquent principal $ 3,349,783 $ 204,107 $ 3,553,890 $ 190,852 The balances in the above tables reflect total unpaid principal balance rather than net investment before allowance. As of December 31, 2015 and 2014 , there were no receivables from dealers or retail installment contracts held for sale that were 31 days or more delinquent. In early 2015, the Company increased its origination volume of loans to borrowers with limited credit bureau attributes, such as less than 36 months of history or less than four trade lines. For these borrowers, many of whom do not have a FICO ® score, other factors, such as the LexisNexis risk view score, loan-to-value ratio, and payment-to-income ratio, are utilized to assign an internal credit score. Origination volume of these loans was $3,790,221 and $2,197,537 for the years ended December 31, 2015 and 2014 , respectively. The Company's credit loss allowance forecasting models are not calibrated for this higher concentration of loans with limited bureau attributes and, accordingly, as of December 31, 2015 , the Company recorded a qualitative adjustment of $157,822 , increasing the allowance ratio on individually acquired retail installment contracts by 0.6% of unpaid principal balance. This adjustment was necessary to increase the credit loss allowance for additional charge offs expected on this portfolio, based on loss performance information available to date, which evidences higher losses in the first months after origination for these loans in comparison to loans with standard bureau attributes. FICO® Distribution - A summary of the credit risk profile of the Company's consumer loans by FICO® distribution, determined at origination, as of December 31, 2015 and 2014 was as follows: December 31, 2015 FICO ® Band Retail Installment Contracts Held for Investment No-FICOs 16.2% <540 23.4% 540-599 30.9% 600-639 17.3% >640 12.2% December 31, 2014 FICO ® Band Retail Installment Contracts Held for Investment Personal Loans (a) No-FICOs 11.6% — <540 23.4% 3.3% 540-599 28.8% 20.1% 600-639 18.1% 21.4% >640 18.1% 55.2% (a) Unpaid principal balance excluded from the FICO ® distribution is an insignificant amount of loans to borrowers that did not have FICO ® scores at origination. Commercial Lending Credit Quality Indicators — The credit quality of receivables from dealers, which are considered commercial loans, is summarized according to standard regulatory classifications as follows: Pass — Asset is well-protected by the current net worth and paying capacity of the obligor or guarantors, if any, or by the fair value less costs to acquire and sell any underlying collateral in a timely manner. Special Mention — Asset has potential weaknesses that deserve management’s close attention, which, if left uncorrected, may result in deterioration of the repayment prospects for an asset at some future date. Special Mention assets are not adversely classified. Substandard — Asset is inadequately protected by the current net worth and paying capacity of the obligor or by the collateral pledged, if any. A well-defined weakness or weaknesses exist that jeopardize the liquidation of the debt. The loans are characterized by the distinct possibility that the Company will sustain some loss if deficiencies are not corrected. Doubtful — Exhibits the inherent weaknesses of a substandard credit. Additional characteristics exist that make collection or liquidation in full highly questionable and improbable, on the basis of currently known facts, conditions and values. Possibility of loss is extremely high, but because of certain important and reasonable specific pending factors which may work to the advantage and strengthening of the credit, an estimated loss cannot yet be determined. Loss — Credit is considered uncollectible and of such little value that it does not warrant consideration as an active asset. There may be some recovery or salvage value, but there is doubt as to whether, how much or when the recovery would occur. As discussed in Note 2, the Company has $1,087,024 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 December 31, 2015 , $5,466 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 December 31, 2015 and 2014 were as follows: December 31, December 31, Pass $ 68,873 $ 97,903 Special Mention 8,068 2,261 Substandard — — Doubtful — — Loss — — $ 76,941 $ 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 are considered TDRs. The purchased receivables portfolio and operating and capital leases are excluded from the scope of the applicable guidance. As of December 31, 2015 and 2014 , there were no receivables from dealers classified as a TDR. 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 table below presents the Company’s loans modified in TDRs as of December 31, 2015 and 2014 : December 31, 2015 (1) December 31, 2014 Retail Installment Contracts Retail Installment Contracts Personal Loans As restated Outstanding recorded investment $ 4,667,380 $ 4,100,390 $ 17,356 Impairment (1,356,092 ) (1,159,827 ) (6,939 ) Outstanding recorded investment, net of impairment $ 3,311,288 $ 2,940,563 $ 10,417 (1) As of December 31, 2015 , substantially all of the Company's personal loans were classified as held for sale, and therefore excluded from the scope of the applicable TDR guidance. A summary of the Company’s delinquent TDRs at December 31, 2015 and 2014 , is as follows: December 31, 2015 (1) December 31, 2014 Retail Installment Contracts Retail Installment Contracts Personal Loans As restated Principal, 31-60 days past due $ 942,021 $ 912,555 $ 1,595 Delinquent principal over 60 days 510,015 468,272 5,131 Total delinquent TDR principal $ 1,452,036 $ 1,380,827 $ 6,726 (1) As of December 31, 2015 , substantially all of the Company's personal loans were classified as held for sale, and therefore excluded from the scope of the applicable TDR guidance. 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: For the Year Ended December 31, 2015 Retail Installment Contracts Personal Loans (a) Average outstanding recorded investment in TDRs $ 4,424,676 $ 17,150 Interest income recognized 716,054 2,220 (a) As of December 31, 2015 , substantially all of the Company's personal loans were classified as held for sale, and therefore excluded from the scope of the applicable TDR guidance. For the Year Ended December 31, 2014 December 31, 2013 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans As restated As restated Average outstanding recorded investment in TDRs $ 3,196,102 $ 14,061 $ 2,143,226 $ 3,260 Interest income recognized 509,004 1,679 343,886 269 The following table summarizes the financial effects, excluding impacts related to credit loss allowance and impairment, of TDRs that occurred for the years ended December 31, 2015 , 2014 , and 2013 : For the Year Ended December 31, 2015 Retail Installment Contracts Personal Loans (a) Outstanding recorded investment before TDR $ 3,482,114 $ 15,418 Outstanding recorded investment after TDR $ 3,514,289 $ 15,340 Number of contracts (not in thousands) 198,325 12,501 (a) As of December 31, 2015 , substantially all of the Company's personal loans were classified as held for sale, and therefore excluded from the scope of the applicable TDR guidance. For the Year Ended December 31, 2014 December 31, 2013 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans As restated As restated Outstanding recorded investment before TDR $ 2,921,186 $ 18,443 $ 1,745,909 $ 9,408 Outstanding recorded investment after TDR $ 2,956,762 $ 18,359 $ 1,769,357 $ 9,264 Number of contracts (not in thousands) 171,167 16,614 110,506 13,196 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 for the years ended December 31, 2015 , 2014 , and 2013 are summarized in the following table: For the Year Ended December 31, 2015 Retail Installment Contracts Personal Loans (a) Recorded investment in TDRs that subsequently defaulted $ 805,091 $ 5,346 Number of contracts (not in thousands) 45,840 4,919 (a) As of December 31, 2015 , substantially all of the Company's personal loans were classified as held for sale, and therefore excluded from the scope of the applicable TDR guidance. For the Year Ended December 31, 2014 December 31, 2013 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans As restated As restated Recorded investment in TDRs that subsequently defaulted $ 526,867 $ 3,437 $ 330,641 (a) Number of contracts (not in thousands) 32,221 3,401 21,862 (a) (a) Subsequent defaults on personal loan TDRs were insignificant in 2013.

Goodwill and Intangibles

Goodwill and Intangibles	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangibles	Goodwill and Intangibles The carrying amount of goodwill for the years ended December 31, 2015 , 2014 , and 2013 , was unchanged at $74,056 . For each of the years ended December 31, 2015 , 2014 , and 2013 , goodwill amortization of $5,463 was deductible for tax purposes. The components of intangible assets at December 31, 2015 and 2014 were as follows: December 31, 2015 Useful Life Gross Carrying Amount Accumulated Amortization Net Carrying Value Amortized intangible assets: Customer relationships 10 years $ 12,400 $ (9,403 ) $ 2,997 Software and technology 3 years 28,691 (16,672 ) 12,019 Trademarks 3 years 2,347 (2,347 ) — Intangible assets not subject to amortization - trademarks 38,300 — 38,300 Total $ 81,738 $ (28,422 ) $ 53,316 December 31, 2014 Useful Life Gross Carrying Amount Accumulated Amortization Net Carrying Value Amortized intangible assets: Customer relationships 10 years $ 12,400 $ (8,163 ) $ 4,237 Software and technology 3 years 22,625 (11,480 ) 11,145 Trademarks 3 years 2,347 (2,347 ) — Intangible assets not subject to amortization - trademarks 38,300 — 38,300 Total $ 75,672 $ (21,990 ) $ 53,682 Amortization expense on the assets was $6,742 , $6,902 , and $4,509 for the years ended December 31, 2015 , 2014 , and 2013 respectively. Estimated future amortization expense is as follows: 2016 $ 7,175 2017 5,122 2018 2,719 2019 — 2020 and thereafter — $ 15,016 The weighted average remaining useful life for the Company's amortizing intangible assets was 2.9 years, 3.1 years, and 3.5 years at December 31, 2015 , 2014 , and 2013 , respectively.

Debt

Debt	12 Months Ended
	Dec. 31, 2015
Debt Disclosure [Abstract]
Debt	Debt Revolving Credit Facilities The following table presents information regarding credit facilities as of December 31, 2015 and 2014 : December 31, 2015 Maturity Date(s) Utilized Balance Committed Amount Effective Rate Assets Pledged Restricted Cash Pledged Warehouse line June 2016 $ 378,301 $ 500,000 1.48% $ 535,737 $ — Warehouse line (a) Various 808,135 1,250,000 1.29% 1,137,257 24,942 Warehouse line (b) July 2017 682,720 1,260,000 1.35% 809,185 20,852 Warehouse line (c) July 2017 2,247,443 2,940,000 1.41% 3,412,321 48,589 Warehouse line December 2017 944,877 2,000,000 1.56% 1,345,051 32,038 Repurchase facility (d) December 2016 850,904 850,904 2.07% — 34,166 Warehouse line September 2017 565,399 1,000,000 1.20% 824,327 15,759 Warehouse line (e) November 2016 175,000 175,000 1.90% — — Warehouse line (e) November 2016 250,000 250,000 1.90% — 2,501 Total facilities with third parties 6,902,779 10,225,904 8,063,878 178,847 Lines of credit with Santander and related subsidiaries (f): Line of credit December 2016 500,000 500,000 2.65% — — Line of credit December 2018 — 500,000 3.48% — — Line of credit (g) December 2016 1,000,000 1,750,000 2.61% — — Line of credit (g) December 2018 800,000 1,750,000 2.84% — — Line of credit March 2017 300,000 300,000 1.88% — — Total facilities with Santander and related subsidiaries 2,600,000 4,800,000 — — Total revolving credit facilities $ 9,502,779 $ 15,025,904 $ 8,063,878 $ 178,847 (a) Half of the outstanding balance on this facility matures in March 2016 and half matures in March 2017. On March 29, 2016, the facility was amended to, among other changes, extend the maturity for half of the balance to March 2017 and half to March 2018. (b) This line is held exclusively for financing of Chrysler Capital loans. (c) This line is held exclusively for financing of Chrysler Capital leases. (d) The repurchase facility is collateralized by securitization notes payable retained by the Company. This facility has rolling 30 -day and 90 -day maturities. (e) These lines are collateralized by residuals retained by the Company. (f) These lines are also collateralized by securitization notes payable and residuals retained by the Company. As of December 31, 2015 and December 31, 2014 , $1,420,584 and $2,152,625 , respectively, of the aggregate outstanding balances on these facilities were unsecured. (g) On March 4, 2016, the Company and Santander amended these debt agreements to reduce the committed amount of each line to $1,000,000 . Also on March 4, 2016, the Company entered into a revolving credit facility with SHUSA with a committed amount of $1,500,000 and a maturity date of March 2019. 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. Certain of the Company's credit facilities have covenants requiring timely filing of periodic reports with the SEC. The Company has obtained waivers of all such covenants such that the non-timely filing of this Annual Report on Form 10-K for the year ended December 31, 2015 did not cause an event of default on any of the Company's facilities. 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. This facility has a maturity date of March 5, 2017. 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. These facilities currently permit borrowing for personal lending 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 December 31, 2015 and 2014 : December 31, 2015 Original Estimated Maturity Date(s) Balance Initial Note Amounts Issued Initial Weighted Average Interest Rate Collateral Restricted Cash 2012 Securitizations September 2018 $ 433,771 $ 2,525,540 0.92%-1.23% $ 580,581 $ 84,231 2013 Securitizations January 2019 - January 2021 2,000,915 6,689,700 0.89%-1.59% 2,577,552 267,623 2014 Securitizations February 2020 - January 2021 2,956,273 6,391,020 1.16%-1.72% 3,894,365 313,356 2015 Securitizations September 2019 - January 2023 7,269,037 9,317,032 1.33%-2.29% 9,203,569 577,647 Public securitizations (a) 12,659,996 24,923,292 16,256,067 1,242,857 2010 Private issuances (b) June 2011 108,201 516,000 1.29% 240,026 6,855 2011 Private issuances December 2018 708,884 1,700,000 1.46% 1,142,853 50,432 2013 Private issuances September 2018-September 2020 2,836,420 2,693,754 1.13%-1.38% 4,311,481 143,450 2014 Private issuances March 2018 - December 2021 1,541,970 3,271,175 1.05%-1.40% 2,192,495 95,325 2015 Private issuances November 2016 - May 2020 3,017,429 3,548,242 0.88%-2.81% 3,608,497 161,778 Privately issued amortizing notes 8,212,904 11,729,171 11,495,352 457,840 Total secured structured financings $ 20,872,900 $ 36,652,463 $ 27,751,419 $ 1,700,697 (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. 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. Notes Payable — Secured Structured Financings The principal and interest on secured structured financings are paid using the cash flows from the underlying retail installment contracts, loans and leases, which serve as collateral for the notes. Accordingly, the timing of the principal payments on these notes is dependent on the payments received on the underlying retail installment contracts, which back the notes. The final contractual maturity and weighted average interest rate by year on these notes at December 31, 2015 , were as follows: 2016, 2.01% $ 814,351 2017, 2.65% 1,228,517 2018, 1.33% 4,272,728 2019, 1.76% 5,589,111 2020, 2.28% 4,255,535 Thereafter, 2.47% 4,756,717 $ 20,916,959 Less: unamortized costs (44,059 ) Notes payable - secured structured financings $ 20,872,900 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. As of December 31, 2015 and 2014 , the Company had private issuances of notes backed by vehicle leases totaling $3,228,240 and $1,959,033 , respectively. 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 and are classified as a discount to the related recorded debt balance. 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 years ended December 31, 2015 , 2014 , and 2013 was $291,247 , $238,394 , and $233,564 , respectively.

Variable Interest Entities

Variable Interest Entities	12 Months Ended
	Dec. 31, 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 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 consolidated financial statements: December 31, December 31, Restricted cash $ 1,842,877 $ 1,626,257 Finance receivables held for sale 1,539,686 18,712 Finance receivables held for investment, net 22,891,064 21,432,284 Leased vehicles, net 6,516,030 4,862,783 Various other assets 620,482 1,283,280 Notes payable 30,611,019 27,796,999 Various other liabilities 5,379 — Certain amounts shown above are greater than the amounts shown in the corresponding line items in the accompanying 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 December 31, 2015 and 2014 , the Company was servicing $27,995,907 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 for the years ended December 31, 2015 , 2014 , and 2013 , is as follows: For the Year Ended December 31, 2015 2014 2013 Assets securitized $ 18,282,363 $ 14,251,258 $ 11,589,632 Net proceeds from new securitizations (a) $ 15,232,692 $ 11,948,421 $ 9,980,538 Net proceeds from sale of retained bonds — — 98,650 Cash received for servicing fees (b) 704,374 632,955 506,656 Cash received upon release from reserved and restricted cash accounts (b) — 810 9,933 Net distributions from Trusts (b) 1,283,850 1,386,833 1,482,425 Total cash received from Trusts $ 17,220,916 $ 13,969,019 $ 12,078,202 (a) Includes additional advances on existing securitizations. (b) These amounts are not reflected in the accompanying 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 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 years ended December 31, 2015 , 2014 , and 2013 the Company sold $1,557,099 , $1,802,461 , and $1,091,282 , respectively, of gross retail installment contracts to VIEs in off-balance sheet securitizations for a gain of $59,983 , $72,443 , and $24,575 , respectively, recorded in investment gains (losses), net, in the accompanying consolidated statements of income. As of December 31, 2015 and 2014 , the Company was servicing $2,663,494 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 for the years ended December 31, 2015 , 2014 , and 2013 , is as follows: For the Year Ended December 31, 2015 2014 2013 Receivables securitized $ 1,557,099 $ 1,802,461 $ 1,091,282 Net proceeds from new securitizations $ 1,578,320 $ 1,894,052 $ 1,140,416 Cash received for servicing fees 23,848 17,000 1,863 Total cash received from securitization trusts $ 1,602,168 $ 1,911,052 $ 1,142,279 During the year ended December 31, 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 year ended December 31, 2015 related to the sale of these residual interests and retained bonds. 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. The Company will continue to service the loans of these Trusts and may reacquire certain retail installment loans from the Trusts through the exercise of an optional clean-up call, as permitted through the respective servicing agreements. 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, the Company derecognized $1,919,171 in assets and $1,183,792 in notes payable and other liabilities of the trust. For the year ended December 31, 2015 the sale of these interests resulted in a net decrease to provision for credit losses of $112,804 , after giving effect to lower of cost or market adjustments of $73,388 . Since deconsolidation, during the year ended December 31, 2015 , the Company received cash for servicing fees from the related trusts of $17,323 . In December 2015, the Company delivered notice of its intent to exercise the optional clean-up call on SDART 2011-3, a non-consolidated securitization Trust, as permitted by the applicable servicing agreement. Once the conditions of exercise of the clean-up call were met, the Company is considered to have regained effective control of the assets due to its unilateral ability to exercise the call and, therefore, recognized the assets, which had an unpaid principal balance of $95,596 , and recognized a corresponding liability for the purchase price. As each other non-consolidated SDART Trust reaches the collateral balance at which its clean-up call be exercised, the Company will be required to recognize the assets of the Trust. For each of these SDART Trusts, this point is expected to be reached in 2016 or 2017.

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 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 facilities. 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 to offset the interest rate cap agreements, and a total return swap were not designated as hedges for accounting purposes. Changes in the fair value and settlements 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 December 31, 2015 and 2014 , were as follows: December 31, 2015 December 31, 2014 Notional Fair Value Notional Fair Value Interest rate swap agreements designated as cash flow hedges $ 9,150,000 $ 1,706 $ 8,020,000 $ 3,827 Interest rate swap agreements not designated as hedges 2,399,000 (1,306 ) 3,206,000 (12,175 ) Interest rate cap agreements 10,013,912 32,951 7,541,385 49,762 Options for interest rate cap agreements 10,013,912 (32,977 ) 7,541,385 (49,806 ) Total return swap — — 250,594 (1,736 ) The aggregate fair value of the interest rate swap agreements was included on the Company’s consolidated balance sheets in other assets and other liabilities, as appropriate. The interest rate cap agreements were included in other assets and the related options in other liabilities on the Company’s consolidated balance sheets. The fair value of the total return swap was included in other liabilities on the Company's consolidated balance sheets. See Note 15 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. The Company received the fixed return on the bonds in exchange for paying a variable rate of three-month LIBOR plus 75 basis points. In addition, at maturity in May 2015, the Company paid the counterparty $1,339 based on the change in fair value of the bonds during the one-year term of the facility. Throughout the term of the facility, the party in a net liability position was required to post collateral. The Company had the ability to substitute collateral if a bond was set to begin amortizing. Alternatively, the amortization could be utilized to reduce the notional amount of the facility. 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 International Swaps and Derivative Association (ISDA) master agreements. Information on the offsetting of derivative assets and derivative liabilities due to the right of offset was as follows, as of December 31, 2015 and 2014 : Offsetting of Financial Assets Gross Amounts Not Offset in the Gross Gross Amounts Net Amounts of Assets Presented Financial Cash Net December 31, 2015 Interest rate swaps - Santander & affiliates $ 4,607 $ — $ 4,607 $ — $ — $ 4,607 Interest rate swaps - third party 3,863 — 3,863 — — 3,863 Interest rate caps - Santander & affiliates 12,724 — 12,724 — — 12,724 Interest rate caps - third party 20,227 — 20,227 — — 20,227 Total derivatives subject to a master netting arrangement or similar arrangement 41,421 — 41,421 — — 41,421 Total derivatives not subject to a master netting arrangement or similar arrangement — — — — — — Total derivative assets $ 41,421 $ — $ 41,421 $ — $ — $ 41,421 Total financial assets $ 41,421 $ — $ 41,421 $ — $ — $ 41,421 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 December 31, 2015 Interest rate swaps - Santander & affiliates $ 4,977 $ (3,430 ) $ 1,547 $ — $ — $ 1,547 Interest rate swaps - third party 3,093 (3,093 ) — — — — Back to back - Santander & affiliates 12,724 (12,270 ) 454 — — 454 Back to back - third party 20,253 (20,253 ) — — — — Total derivatives subject to a master netting arrangement or similar arrangement 41,047 (39,046 ) 2,001 — — 2,001 Total return swap — — — — — — Total derivatives not subject to a master netting arrangement or similar arrangement — — — — — — Total derivative liabilities $ 41,047 $ (39,046 ) $ 2,001 $ — $ — $ 2,001 Total financial liabilities $ 41,047 $ (39,046 ) $ 2,001 $ — $ — $ 2,001 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 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 December 31, 2015 and 2014 . The gross gains (losses) reclassified from accumulated other comprehensive income to net income, and gains (losses) recognized in net income, are included as components of interest expense. The Company’s derivative instruments had effects on its consolidated statements of income and comprehensive income for the years ended December 31, 2015 , 2014 , and 2013 as follows: December 31, 2015 Gains (Losses) Recognized in Interest Expense Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income To Interest Expense Interest rate swap agreements designated as cash flow hedges $ 223 $ (53,160 ) $ (50,860 ) Derivative instruments not designated as hedges $ (11,880 ) December 31, 2014 Gains (Losses) Recognized in Interest Expense Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income To Interest Expense Interest rate swap agreements designated as cash flow hedges $ (708 ) $ (23,015 ) $ (33,235 ) Derivative instruments not designated as hedges $ 19,278 December 31, 2013 Gains (Losses) Recognized in Interest Expense Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income To Interest Expense Interest rate swap agreements designated as cash flow hedges $ — $ 4,062 $ (19,526 ) Derivative instruments not designated as hedges $ 21,080 The ineffectiveness related to the interest rate swap agreements designated as cash flow hedges was insignificant for the years ended December 31, 2015 , 2014 , and 2013 . The Company estimates that approximately $51,000 of unrealized losses included in accumulated other comprehensive income will be reclassified to interest expense within the next twelve months.

Other Assets

Other Assets	12 Months Ended
	Dec. 31, 2015
Other Assets [Abstract]
Other Assets	Other Assets Other assets were comprised as follows: December 31, December 31, Upfront fee (a) $ 110,000 $ 125,000 Vehicles (b) 203,906 134,926 Manufacturer subvention payments receivable (a) 132,856 70,213 Accounts receivable 27,028 18,440 Prepaids 33,183 35,906 Derivative assets (Note 8) 24,090 17,106 Other 18,581 1,825 $ 549,644 $ 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 FCA, 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	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The components of the provision for income taxes for the years ended December 31, 2015 , 2014 , and 2013 , were as follows: For the Year Ended December 31, 2015 2014 2013 Current income tax expense (benefit): As restated As restated Federal $ 37,464 $ (261,655 ) $ 65,168 State 4,908 31,200 32,987 Total current income tax expense (benefit) 42,372 (230,455 ) 98,155 Deferred income tax expense: Federal 377,563 628,055 292,874 State 38,097 22,285 5,742 Total deferred income tax expense 415,660 650,340 298,616 Total income tax expense $ 458,032 $ 419,885 $ 396,771 The reconciliation of the federal statutory income tax rate to the Company’s effective income tax rates for the years ended December 31, 2015 , 2014 , and 2013 , is as follows: For the Year Ended December 31, 2015 2014 2013 As restated As restated Federal statutory rate 35.0 % 35.0 % 35.0 % State and local income taxes — net of federal income tax benefit 2.6 2.5 2.3 Valuation allowance (0.2 ) 1.1 (0.2 ) Electric vehicle credit (1.5 ) (1.8 ) (0.9 ) Other (0.3 ) (0.1 ) (0.3 ) Effective income tax rate 35.6 % 36.7 % 35.9 % 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. Under the hypothetical separate company method, SC recorded a deemed contribution from affiliates in the amount of $926 , which is included in additional paid-in capital section in the accompanying consolidated balance sheets. At December 31, 2015 , the Company had a net payable to affiliates under the tax sharing agreement of $342 , which was included in Related party taxes payable in the consolidated balance sheet. At December 31, 2014 , the Company had a net receivable from affiliates under the tax sharing agreement of $459 , which was included in Related party taxes receivable in the consolidated balance sheet. The tax effects of temporary differences between the financial reporting and income tax basis of assets and liabilities at December 31, 2015 and 2014 , are as follows: December 31, December 31, Deferred tax assets: As restated Debt issuance costs $ 3,502 $ 3,728 Receivables 553,586 616,799 Derivatives — 2,444 Capital loss carryforwards 27,013 27,150 Net operating loss carryforwards 198,573 6,791 Equity-based compensation 41,677 29,418 Credit carryforwards 79,037 42,780 Other 29,499 35,221 Total gross deferred tax assets 932,887 764,331 Deferred tax liabilities: Capitalized origination costs (12,188 ) (11,567 ) Goodwill (13,198 ) (11,136 ) Leased vehicles (1,767,901 ) (1,183,267 ) Furniture and equipment (13,212 ) (14,325 ) Original purchase discount on investments — (616 ) Derivatives (356 ) — Other (3,795 ) (2,763 ) Total gross deferred tax liabilities (1,810,650 ) (1,223,674 ) Valuation allowance (30,489 ) (32,901 ) Net deferred tax asset (liability) $ (908,252 ) $ (492,244 ) At December 31, 2015 and 2014 , the Company’s largest deferred tax liability was leased vehicles of $1,767,901 and $1,183,267 , respectively. The increase in this liability is due to accelerated depreciation taken for tax purposes. The Company began generating qualified plug-in electric vehicle credits in 2013; the credit carryforwards will begin expiring in 2034 . In addition to the net operating losses included in deferred income tax assets in the above table, the Company had approximately $70,929 of income tax deductions related to share-based payments that are in excess of the amount recognized in the accompanying financial statements as of December 31, 2015 . When these benefits are realized in the Company's tax returns as a reduction of taxes that otherwise would have been required to be paid in cash, the Company will recognize these excess benefits as an increase in additional paid in capital on an after-tax basis, which at current income tax rates would approximate $26,457 . The Company uses the "tax law ordering" method when determining when excess tax benefits have been realized. As of December 31, 2015 , the Company had federal net operating loss carryforwards of $613,557 , which will begin to expire in 2036 , state net operating loss carryforwards of $181,383 , which will begin to expire in 2018 , and capital loss carryforwards of $72,419 , which will begin to expire in 2017 . As of December 31, 2015 and 2014 , the Company had recorded a valuation allowance for capital loss carryforwards and state tax net operating loss carryforwards for which it does not have a tax-planning strategy in place. A rollforward of the valuation allowance for the years ended December 31, 2015 , 2014 , and 2013 is as follows: For the Year Ended December 31, 2015 2014 2013 Valuation allowance, beginning of year $ 32,901 $ 19,942 $ 22,381 Provision (release) (2,412 ) 12,959 (2,439 ) Valuation allowance, end of year $ 30,489 32,901 $ 19,942 A reconciliation of the beginning and ending balances of gross unrecognized tax benefits for each of the years ended December 31, 2015 , 2014 , and 2013 is as follows: For the Year Ended December 31, 2015 2014 2013 Gross unrecognized tax benefits balance, January 1 $ 166 $ 1,487 $ 2,146 Additions for tax positions of prior years 70 5,472 — Reductions for tax positions of prior years (11 ) (3,783 ) — Reductions as a result of a lapse of the applicable statute of limitations — (2,473 ) (754 ) Settlements — (537 ) 95 Gross unrecognized tax benefits balance, December 31 $ 225 $ 166 $ 1,487 At December 31, 2015 , 2014 , and 2013 , there were $95 , $26 and $1,020 , respectively, of net unrecognized tax benefits that, if recognized, would affect the annual effective tax rate. Accrued interest and penalties associated with uncertain tax positions are recognized as a component of the income tax provision. Accrued interest and penalties of $85 and $55 are included with the related tax liability line in the accompanying consolidated balance sheets as of December 31, 2015 and 2014 , respectively. At December 31, 2015 , the Company believes that it is reasonably possible that the balance of the gross unrecognized tax benefits could decrease to zero in the next twelve months due to ongoing activities with various taxing jurisdictions that the Company expects may give rise to settlements or the expiration of statute of limitations. The Company continually evaluates expiring statutes of limitations, audits, proposed settlements, changes in tax law, and new authoritative rulings. The Company is subject to examination by federal and state taxing authorities. Periods subsequent to December 31, 2010 are open for audit by the IRS. The SHUSA consolidated return, of which the Company is a part through December 31, 2011, is currently under IRS examination for 2011. The Company's separate returns for 2012, 2013, and 2014 are also under IRS examination. Periods subsequent to December 31, 2008, are open for audit by various state taxing authorities.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 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 auto loans that the Company has purchased, when losses are lower than originally expected. SC 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 balance of these pools totaled $11,998 and $57,883 as of December 31, 2015 and 2014, respectively. 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. At December 31, 2015 , there was an outstanding balance of $26,941 and a committed amount of $27,385 . Under terms of agreements with LendingClub, the Company was committed to purchase, at a minimum, through December 31, 2015 , the lesser of $30,000 per month or 50% of the lending platform company’s aggregate "near-prime" (as that term is defined in the agreements) originations and, thereafter through July 2017, the lesser of $30,000 per month or 50% of the lending platform company’s aggregate near-prime originations. This commitment could be reduced or canceled with 90 days' notice. On October 9, 2015, the Company sent a notice of termination to LendingClub, and, accordingly, ceased originations on this platform on January 7, 2016. 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 December 31, 2015 and December 31, 2014 , the Company was obligated to purchase $12,486 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 year ended December 31, 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 another original equipment manufacturer (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 also 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 rate to inception of the contract. Adjustments for the years ended December 31, 2015 and 2014 totaled a net downward adjustment of $4,192 and a net upward adjustment of $399 , respectively. In connection with the sale of retail installment contracts through securitizations and other sales, the Company has made standard representations and warranties customary to the consumer finance industry. Violations of these representations and warranties may require the Company to repurchase loans previously sold to on- or off-balance sheet Trusts or other third parties. As of December 31, 2015 , there were no loans that were the subject of a demand to repurchase or replace for breach of representations and warranties for the Company's asset-backed securities or other sales. 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 SC as servicer. Under terms of the Chrysler Agreement, the Company must make revenue sharing payments to FCA 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. In January 2016, the Company executed an amendment to the servicing agreement with CBP which decreased the servicing fee the Company receives on loans sold to CBP by the Company under the flow 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 consolidated balance sheets. In January 2015, the Company additionally 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 to a third party (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 $2,893 , net, as of December 31, 2015 . On March 31, 2015, the Company executed a forward flow asset sale agreement with a third party under terms of which the Company committed to sell charged off loan receivables in bankruptcy status on a quarterly basis until sales total at least $200,000 in proceeds. On June 29, 2015, the Company and the third party executed an amendment to the forward flow asset sale agreement, which increased the committed sales of charged off loan receivables in bankruptcy status to $275,000 . On September 30, 2015, the Company and the third party executed a second amendment to the forward flow asset sale agreement, which required sales to occur quarterly. On November 13, 2015, the Company and the third party executed a third amendment to the forward flow asset sale agreement, which increased the committed sales of charged off loan receivables in bankruptcy status to $350,000 . However, any sale more than $275,000 is subject to a market price check. As of December 31, 2015 , the remaining aggregate commitment was $200,707 . The Company has entered into various operating leases, primarily for office space and computer equipment. Lease expense incurred totaled $8,965 , $9,651 and $5,627 for the years ended 2015 , 2014 , and 2013 , respectively. The remaining obligation under lease commitments at December 31, 2015 are as follows: 2016 $ 12,863 2017 11,701 2018 12,532 2019 12,677 2020 13,015 Thereafter 69,863 $ 132,651 Legal 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 IPO. 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 IPO. 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 is periodically otherwise involved in reviews, investigations, and proceedings (both formal and informal), and information-gathering requests, by government and self-regulatory agencies, including the Federal Reserve, the Consumer Finance Protection Bureau (CFPB), the Department of Justice (DOJ), the Securities and Exchange Commission (the SEC or Commission), the FTC and various state regulatory agencies. Currently, such proceedings include a civil subpoena from the DOJ under The Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), requesting the production of documents and communications that, among other things, relate to the underwriting and securitization of nonprime auto loans since 2007. Additionally, on October 28, 2014, the Company received a preservation letter and request for documents from the Commission requesting the preservation and production of documents and communications that, among other things, relate to the underwriting and securitization of auto loans since January 1, 2011. The Company also has received civil subpoenas from various state Attorneys General requesting similar documents and communications. The Company is complying with the requests for information and document preservation. On November 4, 2015, the Company entered into an Assurance of Discontinuance (AOD) with the Office of Attorney General of the Commonwealth of Massachusetts (the Massachusetts AG). The Massachusetts AG had alleged that the Company violated the maximum permissible interest rates allowed by Massachusetts law due to the inclusion of Guaranteed Auto Protection (GAP) in the calculation of finance charges. Among other things, the AOD requires the Company, with respect to any loan that exceeded the maximum rates, to issue refunds of all finance charges paid to date and to waive all future finance charges. The AOD also requires the Company to undertake certain remedial measures, including ensuring that interest rates on its loans do not exceed maximum rates (when GAP charges are included) in the future, and provides that the Company pay $150 to the Massachusetts AG to reimburse its costs in implementing the AOD. 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 Servicemembers Civil Relief Act (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 servicemembers 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	12 Months Ended
	Dec. 31, 2015
Related Party Transactions [Abstract]
Related-Party Transactions	Related-Party Transactions Related-party transactions not otherwise disclosed in these footnotes to the consolidated financial statements include the following: Interest expense, including unused fees, for affiliate lines/letters of credit for the years ended December 31, 2015 , 2014 , and 2013 was as follows: For the Year Ended December 31, 2015 2014 2013 Line of credit agreement with Santander - New York Branch (Note 6) $ 96,753 $ 92,209 $ 62,845 Line of credit agreement with SHUSA (Note 6) 5,299 4,299 — Letter of credit facility with Santander - New York Branch (Note 6) — 507 526 Accrued interest for affiliate lines/letters of credit at December 31, 2015 and 2014 , were comprised as follows: December 31, 2015 December 31, 2014 Line of credit agreement with Santander - New York Branch (Note 6) $ 6,015 $ 7,750 Line of credit agreement with SHUSA (Note 6) 267 242 Letter of credit facility with Santander - New York Branch (Note 6) — 128 In August 2015, under a new agreement with Santander, the Company agreed to begin paying Santander a fee of 12.5 basis points (per annum) on certain warehouse facilities, as they renew, for which Santander provides a guarantee of the Company's servicing obligations. The Company recognized guarantee fee expense of $2,282 for the year ended December 31, 2015 . As of December 31, 2015 , the company had $2,282 of related fees payable to Santander. The Company has derivative financial instruments with Santander and affiliates with outstanding notional amounts of $13,739,000 and $16,330,771 at December 31, 2015 and 2014 , respectively (Note 8). The Company had a collateral overage on derivative liabilities with Santander and affiliates of $20,775 and $32,118 at December 31, 2015 and 2014 , respectively. Interest expense on these agreements includes amounts totaling $58,019 , $44,366 , and $29,698 for the years ended December 31, 2015 , 2014 , and 2013 , respectively. Until October 1, 2014, the Company had an origination and servicing agreement with SBNA whereby the Company provided SBNA with the first right to review and assess Chrysler Capital 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 $4,289 and $822 for the years ended December 31, 2014 and 2013 , respectively, and the Company received $4,610 and $165 for the years ended December 31, 2014 and 2013 , respectively, 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 December 31, 2015 and 2014 , the Company had relationship management fees receivable from SBNA of $419 and $450 , respectively. The Company recognized $6,976 and $11 of relationship management fee income for the years ended December 31, 2015 and 2014 , 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 $253 and $80 for the years ended December 31, 2015 and 2014 , respectively. As of December 31, 2015 and 2014 , the Company had $37 and $28 , respectively, of servicing fees payable to SBNA. The Company may provide advance funding for dealer loans originated by SBNA, which is reimbursed to the Company by SBNA. The Company had no outstanding receivable from SBNA as of December 31, 2015 or 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 $2,737 and zero related to such originations as of December 31, 2015 and 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 December 31, 2015 and 2014 , the unamortized fee balance was $6,750 and $7,650 , respectively. The Company recognized $900 , $900 , and $450 of income related to the referral fee for the years ended December 31, 2015 , 2014 , and 2013 , 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 $2,500 , $9,990 , and $14,775 for the years ended December 31, 2015 , 2014 , and 2013 , respectively. Other information on the serviced auto loan and retail installment contract portfolios for SBNA as of December 31, 2015 and 2014 is as follows: December 31, December 31, Total serviced portfolio $ 692,291 $ 896,300 Cash collections due to owner 19,302 21,415 Servicing fees receivable 1,476 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 FCA 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 $8,431 and $24,478 for the years ended December 31, 2015 and 2014 , respectively. Servicing fee income recognized on leases serviced for SBNA totaled $6,977 and $3,041 for the years ended December 31, 2015 and 2014 , respectively. Other information on the consumer vehicle lease portfolio serviced for SBNA as of December 31, 2015 and 2014 is as follows: December 31, December 31, Total serviced portfolio $ 2,198,519 $ 1,989,967 Cash collections due to owner 132 1 Lease fundings due from owner — 3,365 Origination and servicing fees receivable 784 10,345 Revenue share reimbursement receivable 1,370 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 December 31, 2015 and 2014 , the balance in the collateral account was $34,516 and $44,805 , respectively. For the years ended December 31, 2015 , 2014 , and 2013 , the Company recognized indemnification expense of $3,142 , zero , and zero , respectively. As of December 31, 2015 and 2014 , the Company 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 year ended December 31, 2015 , the Company sold leases with a depreciated net capitalized cost of $369,114 and a net book value of $317,275 in Chrysler Capital leases to SBNA. This sale was effected through the transfer of a special unit of beneficial interest (SUBI) in SC's titling trust. Proceeds from the sale were $322,851 for a gain of $4,570 for the year ended December 31, 2014 . SC retained servicing on the sold leases. On September 16, 2014, the Company sold $18,227 of receivables from dealers to SBNA, resulting in a gain of $347 . The Company was entitled to additional proceeds on this sale totaling $694 if certain conditions, including continued existence and performance of the sold loans, are met at the first and second anniversaries of the sale. At the first anniversary date of the sale, which occurred during the year ended December 31, 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. In December 2015, the Company formed a new wholly-owned subsidiary, Santander Consumer International PR, LLC (SCI), and SCI opened deposit accounts with Banco Santander Puerto Rico, an affiliated entity. As of December 31, 2015 , SCI had cash of $4,920 on deposit with Banco Santander Puerto Rico. During 2015, Santander Investment Securities Inc. (SIS), an affiliated entity, purchased a portion of the Class B notes of SDART 2013-3, a consolidated securitization Trust, with a principal balance of $725 . As of December 31, 2015 , the unpaid note balance of the Class B notes owned by SIS was $510 . In addition, SIS purchased an investment of $2,000 in the Class A3 notes of CCART 2013-A, a securitization Trust formed by the Company in 2013. Although CCART 2013-A is not a consolidated entity of the Company, the Company continues to service the assets of the associated trust. SIS also serves as co-manager on certain of the Company’s securitizations. Amounts paid to SIS as co-manager for the years ended December 31, 2015 , 2014 , and 2013 totaled $550 , $350 , and $200 , respectively, and are included in debt issuance costs in the accompanying consolidated financial statements. 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 "other operating costs" in the accompanying consolidated statements of income, totaled $161 , $135 , and $152 for the year ended December 31, 2015 , 2014 , and 2013 , respectively. The Company is party to a Master Service Agreement (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 point-of-sale credit applications of retail store customers. Under terms of the MSA, the Company originated personal revolving loans of $23,504 , $17,357 , and $139 during the years ended December 31, 2015 , 2014 , and 2013 , respectively. During the year ended December 31, 2015 , the company fully impaired its cost method investment in this entity and recorded a loss of $6,000 in 'investment gains (losses), net' in the accompanying consolidated statement of income and comprehensive income. On March 24, 2016, the Company notified most of the retailers for which it reviews credit applications that it will no longer fund new originations effective April 11, 2016. On July 2, 2015, the Company announced the departure of Thomas G. Dundon from his roles as Chairman of the Board and CEO 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. Subject to limitations of banking regulators and applicable law, the Separation Agreement also provided for the modification of terms for certain equity-based awards (Note 16). Certain of the payments, agreements to make payments, and benefits may be effective only upon receipt of certain required regulatory approvals. During the year ended December 31, 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 December 31, 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 December 31, 2015 , the Company has not made any payments to Mr. Dundon arising from or pursuant to the terms of the Separation Agreement. On July 2, 2015, Mr. Dundon entered into a Separation Agreement with the Company, DDFS LLC, SHUSA and Santander, under which his roles as Chairman of the Board and CEO were terminated effective as of that date. The Separation Agreement provided, among other things, that Mr. Dundon resign as Chairman of the Board, as CEO of the Company and as an officer and/or director of any of the Company’s subsidiary companies. Also, in connection with, and pursuant to, the Separation Agreement, on July 2, 2015, Mr. Dundon, the Company, DDFS LLC, SHUSA and Santander entered into an amendment to the Shareholders Agreement (the Second Amendment). The Second Amendment amended, for purposes of calculating the price per share to be paid in the event that a put or call option was exercised with respect to the shares of Company Common Stock owned by DDFS LLC in accordance with the terms and conditions of the Shareholders Agreement, the definition of the term “Average Stock Price” to mean $26.83 . Pursuant to the Separation Agreement, SHUSA was deemed to have delivered as of July 3, 2015 an irrevocable notice to exercise the call option with respect to all 34,598,506 shares of our Common Stock owned by DDFS and consummate the transactions contemplated by such call option notice, subject to the receipt of required bank regulatory approvals and any other approvals required by law (the “Call Transaction”). Because the Call Transaction was not consummated prior to the Call End Date, DDFS LLC is free to transfer any or all shares of Company Common Stock it owns, subject to the terms and conditions of the Amended and Restated Loan Agreement, dated as of July 16, 2014, between DDFS LLC and Santander (the Loan Agreement). The Loan Agreement provides for a $300,000 revolving loan which as of December 31, 2015 had an unpaid principal balance of approximately $290,000 . Pursuant to the Loan Agreement, 29,598,506 shares of the Company’s common stock owned by DDFS LLC are pledged as collateral under a related pledge agreement (the Pledge Agreement). Because the Call Transaction was completed on or before the Call End Date, interest will 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. The Shareholder Agreement further provides that Santander may, at its option, become the direct beneficiary of the Call Option, and Santander has exercised this option. If consummated in full, DDFS LLC would receive $928,278 plus interest that has accrued since the Call End Date. To date, the Call Transaction has not been consummated and remains subject to receipt of applicable regulatory approvals. Pursuant to the Loan Agreement, if at any time the value of the Common Stock pledged under the Pledge Agreement is less than 150% of the aggregate principal amount outstanding under the Loan Agreement, DDFS LLC has an obligation to either (a) repay a portion of such outstanding principal amount such that the value of the pledged collateral is equal to at least 200% of the outstanding principal amount, or (b) pledge additional shares of Company Common Stock such that the value of the additional shares of Common Stock, together with the 29,598,506 shares already pledged under the Pledge Agreement, is equal to at least 200% of the outstanding principal amount. As of the date of this proxy statement, the value of the pledged collateral is less than 150% of aggregate principal amount outstanding under the Loan Agreement, and DDFS LLC has not taken any of the collateral posting actions described in clauses (a) or (b) above. If Santander declares the borrower’s obligations under the Loan Agreement due and payable as a result of an event of default (including with respect to the collateral posting obligations described above), under the terms of the Loan Agreement and the Pledge Agreement, Santander’s ability to rely upon the shares of Company Common Stock subject to the Pledge Agreement is, subject to certain exceptions, limited to the exercise by SHUSA and/or Santander of the right to deliver the call option notice and to consummate the Call Transaction at the price specified in the Shareholders Agreement. If the borrower fails to pay obligations under the Loan Agreement when due, including because of Santander’s declaration of such obligations as due and payable as a result of an event of default, a higher default interest rate will apply to such overdue amounts. In connection with, and pursuant to, the Separation Agreement, on July 2, 2015, DDFS LLC and Santander entered into an amendment to the Loan Agreement and an amendment to the Pledge Agreement that provide, among other things, that outstanding balance under the Loan Agreement shall become due and payable upon the consummation of the Call Transaction and that the amount otherwise payable to DDFS LLC under the Call Transaction shall be reduced by the amount outstanding under the Loan Agreement, including principal, interest and fees, and further that any net cash proceeds received by DDFS LLC on account of sales of Company Common Stock after the Call End Date shall be applied to the outstanding balance under the Loan Agreement. The revolving loan has a final maturity date of April 15, 2016. During the year ended December 31, 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 years ended December 31, 2015 , 2014 , and 2013 , the Company paid $404 , $577 , and $496 , respectively, to Meregrass, Inc., the company managing the plane's operations, with an average rate of $5.8 per hour. 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 year ended December 31, 2015 , the Company reimbursed Mr. Dundon $200 for the use of this space. As of December 31, 2015 , Jason Kulas, the Company's current CEO, Mr. Dundon, and a Santander employee who was a member of the SC Board 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. Per the rental agreement, the Company was not required to pay base rent until February 2015. During the year ended December 31, 2015 , the Company paid $5,035 in lease payments on this property. Future minimum lease payments over the 12 -year term of the lease, which extends through 2026, total $75,402 . 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 Financial Group Inc., an investment company (Capmark), a company of which affiliates of Centerbridge Partners, L.P., a private equity firm (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 until July 15, 2015, is a member of Centerbridge management and also serves on the board of directors of Capmark. During the year ended December 31, 2015 , but only through the date these individuals last were considered related parties (July 15, 2015), the Company advanced $442,339 to the retailer, and received $575,179 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. The Company also paid expenses totaling zero , $37 , and $499 for the years ended December 31, 2015 , 2014 , and 2013 on behalf of the former managing member of the investment partnerships. The former managing member was an investor in Auto Finance Holdings.

Supplemental Cash Flow Informat

Supplemental Cash Flow Information	12 Months Ended
	Dec. 31, 2015
Supplemental Cash Flow Elements [Abstract]
Supplemental Cash Flow Information	Supplemental Cash Flow Information Supplemental cash flow information is as follows: For the Year Ended December 31, 2015 2014 2013 Cash paid (received) during the year for: Interest $ 635,558 $ 541,705 $ 417,128 Income taxes (190,663 ) 278,210 465,828 Noncash investing and financing transactions: Acquisition of noncontrolling interests $ — $ — $ 38,111 Transfer of revolving credit facilities to secured structured financings 193,180 — — Transfer of personal loans to held for sale 1,883,251 — — During the year ended December 31, 2015, the Company deconsolidated certain Trusts from the consolidated balance sheet following the sale of its retained interests in the respective Trusts (Note 7). Upon deconsolidation, the Company derecognized $1,919,171 in assets, including $170,144 in restricted cash, and $1,183,792 in notes payable and other liabilities of the Trusts.

Computation of Basic and Dilute

Computation of Basic and Diluted Earnings per Common Share	12 Months Ended
	Dec. 31, 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 (EPS) 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 1,662,719 , 1,406,204 , and zero employee stock options for the years ended December 31, 2015 , 2014 , and 2013 , respectively, as the effect of those securities would be anti-dilutive. The following table represents EPS numbers for the years ended December 31, 2015 and 2014 : For the Year Ended December 31, 2015 2014 2013 Earnings per common share (As Restated - Note 1) (As Restated - Note 1) Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 827,293 $ 724,237 $ 710,611 Weighted average number of common shares outstanding before restricted participating shares (in thousands) 354,636 348,139 346,172 Weighted average number of participating restricted common shares outstanding (in thousands) 467 584 6 Weighted average number of common shares outstanding (in thousands) 355,103 348,723 346,178 Earnings per common share $ 2.33 $ 2.08 $ 2.05 Earnings per common share - assuming dilution Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 827,293 $ 724,237 $ 710,611 Weighted average number of common shares outstanding (in thousands) 355,103 348,723 346,178 Effect of employee stock-based awards (in thousands) 3,784 6,999 — Weighted average number of common shares outstanding - assuming dilution (in thousands) 358,887 355,722 346,178 Earnings per common share - assuming dilution $ 2.31 $ 2.04 $ 2.05

Fair Value of Financial Instrum

Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 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: December 31, 2015 December 31, 2014 Level Carrying Estimated Carrying Estimated As Restated - Note 1 Cash and cash equivalents (a) 1 $ 18,893 $ 18,893 $ 33,157 $ 33,157 Finance receivables held for sale, net (b) 3 2,868,603 2,889,043 46,585 46,585 Finance receivables held for investment, net (c) 3 23,479,680 24,960,092 23,972,059 25,576,337 Restricted cash (a) 1 2,236,329 2,236,329 1,920,857 1,920,857 Notes payable — credit facilities (d) 3 6,902,779 6,902,779 6,402,327 6,402,327 Notes payable — secured structured financings (e) 2 20,872,900 20,917,733 17,718,974 17,810,062 Notes payable — related party (f) 3 2,600,000 2,600,000 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) Finance receivables held for sale, net — Finance receivables held for sale, net are comprised of retail installment contracts acquired individually and personal loans and are carried at the lower of cost or market, as determined on an aggregate basis for each type of receivable. • Retail installment contracts acquired individually — The estimated fair value is based on prices obtained in recent market transactions or expected to be obtained in the subsequent sales for similar assets. • Personal loans — The estimated fair value for personal loans held for sale is calculated based on a combination of estimated cash flows and market rates for similar loans with similar credit risks and a discounted cash flow analysis (DCF) in which the Company uses significant unobservable inputs on key assumptions, including historical default rates and adjustments to reflect prepayment rates, discount rates reflective of the cost of funding, and credit loss expectations. (c) Finance receivables held for investment, net — Finance receivables held for investment, net are carried at amortized cost, net of an allowance. The estimated fair value for the underlying financial instruments are determined as follows: • Retail installment contracts held for investment, net — The estimated fair value is calculated based on a DCF in which the Company uses significant unobservable inputs on key assumptions, including historical default rates and adjustments to reflect prepayment rates, expected recovery rates, discount rates reflective of the cost of funding, and credit loss expectations. • Receivables from dealers held for investment and Capital lease receivables, net — Receivables from dealers held for investment and capital lease receivables are carried at amortized cost, net of credit loss allowance and gross investments, net of unearned income and allowance for lease losses, respectively. Management believes that the terms of these credit agreements approximate market terms for similar credit agreements. (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 as the facilities are subject to short-term floating interest rates that approximate rates available to the Company. (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 as the facilities are subject to short-term floating interest rates that approximate rates available to the Company. The following table presents the Company’s assets and liabilities that are measured at fair value on a recurring basis at December 31, 2015 and 2014 , and are categorized using the fair value hierarchy: Fair Value Measurements at December 31, 2015 Total Quoted Prices Significant Significant Other assets — trading interest rate caps (a) $ 20,227 $ — $ 20,227 $ — Due from affiliates — trading interest rate caps (a) 12,724 — 12,724 — Other assets — cash flow hedging interest rate swaps (a) 3,863 — 3,863 — Due from affiliates — cash flow hedging interest rate swaps (a) 3,431 — 3,431 — Due from affiliates — trading interest rate swaps (a) 1,176 — 1,176 — Other liabilities — trading options for interest rate caps (a) 20,253 — 20,253 — Due to affiliates — trading options for interest rate caps (a) 12,724 — 12,724 — Other liabilities — cash flow hedging interest rate swaps (a) 3,093 — 3,093 — Due to affiliates — cash flow hedging interest rate swaps (a) 2,496 — 2,496 — Due to affiliates — trading interest rate swaps (a) 2,481 — 2,481 — Retail installment contracts acquired individually (b) 6,770 — — 6,770 Fair Value Measurements at December 31, 2014 Total Quoted Prices Significant Significant 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 (c) 1,736 — 1,736 — (a) The valuation of swaps and caps is determined using widely accepted valuation techniques including a DCF 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 8). (b) For certain retail installment contracts reported in finance receivables held for investment, net, the Company has elected the fair value option. The fair values of the retail installment contracts are estimated using a DCF model. When estimating the fair value using this model, the Company uses significant unobservable inputs on key assumptions, which includes historical default rates and adjustments to reflect prepayment rates based on available data from a comparable market securitization of similar assets, discount rates reflective of the cost of funding of debt issuance and recent historical equity yields, and recovery rates based on the average severity utilizing reported severity rates and loss severity utilizing available market data from a comparable securitized pool. Accordingly, retail installment contracts held for investment are classified as Level 3. (c) The total return swap was valued based on the estimated market value of the underlying bonds pledged to the associated credit facility. The table below presents the changes in all Level 3 balances for the year ended December 31, 2015 : Retail Installment Contracts Held for Investment Fair value, December 31, 2014 $ — Additions / issuances 6,770 Fair value, December 31, 2015 $ 6,770 The following table presents the Company’s assets and liabilities that are measured at fair value on a nonrecurring basis at December 31, 2015 and 2014 , and are categorized using the fair value hierarchy: Fair Value Measurements at December 31, 2015 Total Quoted Prices Significant Significant Lower of cost or fair value adjustment recognized in earnings Other assets — vehicles (a) $ 203,906 $ — $ 203,906 $ — $ — Personal loans held for sale (b) $ 1,962,893 $ — $ — $ 1,962,893 $ 609,869 Fair Value Measurements at December 31, 2014 Total Quoted Prices Significant Significant Lower of cost or fair value adjustment recognized in earnings Other assets — vehicles (a) $ 134,926 $ — $ 134,926 $ — $ — (a) Represents vehicles in repossession or lease termination status at year-end, which have been charged off against credit loss allowance at fair value. (b) Represents the portion of the portfolio specifically impaired during 2015. 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. The estimated fair value for personal loans held for sale is calculated based on a combination of estimated market rates for similar loans with similar credit risks and a discounted cash flow analysis (DCF) in which the Company uses significant unobservable inputs on key assumptions, including historical default rates and adjustments to reflect prepayment rates, discount rates reflective of the cost of funding, and credit loss expectations.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Employee Benefit Plans	Employee Benefit Plans SC Compensation Plans — Beginning in 2012, the Company granted stock options to certain executives, other employees, and independent directors under the 2011 Management Equity Plan (the Plan). The Plan was administered by the Board 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 Plan 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 non-qualified and incentive stock options, stock appreciation rights, restricted stock awards, restricted stock units (RSUs), 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 $8,851 and $2,471 recorded for the years ended December 31, 2015 and 2014 , respectively. Compensation expense recognized during the year ended December 31, 2015 included $7,210 related to the acceleration of vesting of restricted stock 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 IPO. 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 year ended December 31, 2015 to employees; the estimated compensation cost associated with these additional grants is $3,266 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 year ended December 31, 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 (8,953,812 ) 9.85 (124,132 ) Expired (15,197 ) 9.73 Forfeited (300,040 ) 16.62 Options outstanding at December 31, 2015 12,522,706 $ 11.84 6.4 $ 50,163 Options exercisable at December 31, 2015 9,619,940 $ 11.09 6.2 $ 45,773 Options expected to vest at December 31, 2015 2,574,904 $ 14.49 6.9 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. Under the Omnibus Incentive Plan, 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 grant under the Omnibus 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 by employees and officers through RSUs must be held for one year. In October 2015, the Company granted, under the Omnibus Incentive Plan, certain directors RSUs that vest upon the earlier of the first anniversary of grant date or the first annual meeting following the grant date. In December 2015, the Company granted a new officer RSUs that will vest in equal portions on each of the first three anniversaries of the grant date. Subject to limitations of banking regulators and applicable law, Mr. Dundon’s Separation Agreement provided that his unvested restricted stock awards would vest in full in accordance with their terms and his unvested stock options would vest in full. Further, on July 2, 2015, Mr. Dundon exercised a right under the Separation Agreement to settle his options for a cash payment. In addition, any service-based vesting requirements that were applicable to Mr. Dundon’s outstanding RSUs in respect of his 2014 annual bonus were waived, and such RSUs continue to vest and be settled in accordance with the underlying award agreement. Because, as of the date hereof, these actions have not been approved by banking regulators. 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 limitations of banking regulators and applicable 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 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 12) in connection with the stock option modification and cash settlement option exercise, and recognized an additional $9,881 in stock compensation expense during the year ended December 31, 2015 , for all equity-based award modifications. As of December 31, 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. A summary of the status and changes of the Company's nonvested stock options as of and for the year ended December 31, 2015 , is presented below: Shares Weighted Average Grant Date Fair Value Non-vested at January 1, 2015 4,487,731 $ 6.72 Granted 433,844 8.10 Vested (1,703,572 ) 7.08 Forfeited or expired (315,237 ) 7.02 Non-vested at December 31, 2015 2,902,766 $ 6.68 At December 31, 2015 , total unrecognized compensation expense for non-vested stock options granted was $ 11,943 , which is expected to be recognized over a weighted average period of 2.4 years. The following summarizes the assumptions used for estimating the fair value of stock options granted under the Management Equity Plan to employees for the years ended December 31, 2015 , 2014 , and 2013 . For the Year Ended December 31, 2015 2014 2013 Assumption Risk-free interest rate 1.64% - 1.97% 1.94% - 2.12% 1.08% - 1.11% Expected life (in years) 6.0 - 6.5 6.0 - 6.5 6.5 Expected volatility 32% - 48% 49% - 51% 50% Dividend yield 1.6% - 2.7% 2.3% - 4.2% 0.38% Weighted average grant date fair value $6.92 - $9.67 $7.54 - $8.38 $6.56 - $7.46 Santander Stock-Based Compensation Plan — Santander previously established a stock-based compensation plan for certain employees of the Company. The compensation plan is linked to Santander’s earnings per share growth in comparison to similar financial institutions. The shares are awarded based on performance during specific cycles at various per share prices. • Cycle one, from July 2007 through June 2009, had maximum authorized shares of 96,030 at a price of $19.38 per share. The cycle closed with total shares distributed of 77,469 . • Cycle two, from July 2007 through June 2010, had maximum shares authorized of 144,120 at a price of $19.38 per share. The cycle closed with total shares distributed of 114,040 . • Cycle three, from July 2008 through June 2011, had maximum shares authorized of 147,908 at a price of $7.29 per share. The cycle closed with total shares distributed of 120,732 . • Cycle four, from July 2009 through June 2012, had maximum authorized shares of 157,611 at a price of $6.50 per share. The cycle closed with total shares distributed of 43,475 . • Cycle five, from July 2010 through June 2013, had maximum authorized shares of 163,302 at a price of $6.87 per share. The cycle closed with no shares distributed. The shares were awarded at the end of each cycle; however, the awarding of these shares was contingent upon Santander’s meeting the specified performance requirements during each cycle and each employee’s continued employment with the Company. The Company recognized compensation expense related to this plan totaling zero , zero , and $187 during the years ended December 31, 2015 , 2014 , and 2013 , respectively. Defined Contribution Plan — The Company sponsors a defined contribution plan offered to qualifying employees. Employees participating in the plan may contribute up to 75% of their base salary, subject to federal limitations on absolute amounts contributed. The Company will match up to 6% of their base salary, with matching contributions of 100% of employee contributions. The total amount contributed by the Company in 2015 , 2014 , and 2013 , was $9,498 , $7,923 , and $5,867 , respectively.

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2015
Equity [Abstract]
Shareholders' Equity	Shareholders' Equity Treasury Stock The Company had 69,005 and 52,141 shares of treasury stock outstanding with a cost of $1,250 and $983 as of December 31, 2015 and 2014 , respectively. Prior to the IPO, the Company repurchased 3,154 shares as a result of an employee leaving the company. Additionally, 16,864 and 48,987 shares were withheld in December 2015 and 2014 , respectively, to cover income taxes related to the vesting of restricted stock units 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 years ended December 31, 2015 , 2014 , and 2013 is as follows: Unrealized gains (losses) on cash flow hedges Unrealized gains (losses) on investments available for sale Total Balance - January 1, 2013 $ (12,416 ) $ 3,252 $ (9,164 ) Other comprehensive income (loss) before reclassifications (2,761 ) (2,490 ) (5,251 ) Amounts reclassified out of accumulated other comprehensive income (loss) 12,324 (762 ) 11,562 Balance - December 31, 2013 (2,853 ) — (2,853 ) Other comprehensive income (loss) before reclassifications (14,636 ) — (14,636 ) Amounts reclassified out of accumulated other comprehensive income (loss) 21,042 — 21,042 Balance - December 31, 2014 3,553 — 3,553 Other comprehensive income (loss) before reclassifications (34,182 ) — (34,182 ) Amounts reclassified out of accumulated other comprehensive income (loss) 32,754 — 32,754 Balance - December 31, 2015 $ 2,125 $ — $ 2,125 Amounts reclassified out of accumulated other comprehensive income (loss) consist of the following: Year Ended December 31, 2015 Year Ended December 31, 2014 Year Ended December 31, 2013 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges: Settlements of derivatives $ 50,860 Interest Expense $ 33,235 Interest Expense $ 19,526 Interest Expense Tax expense (benefit) (18,106 ) (12,193 ) (7,202 ) Net of tax $ 32,754 $ 21,042 $ 12,324 Investments available for sale: Discount accretion $ — $ — $ (1,208 ) Interest Expense Tax expense (benefit) — — 446 Net of tax $ — $ — $ (762 ) 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.

Quarterly Financial Data (unaud

Quarterly Financial Data (unaudited)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Data (unaudited)	Quarterly Financial Data (unaudited) The Company has determined that its historical methodology for estimating the credit loss allowance for individually acquired retail installment contracts was in error as it did not estimate impairment on TDRs separately from a general credit loss allowance on loans not classified as TDRs, and incorrectly applied a loss emergence period to the entire portfolio rather than only to loans not classified as TDRs. In addition, the Company has determined that it had incorrectly identified the population of loans that should be classified as TDRs and, separately, had incorrectly estimated the impairment on these loans. Additionally, subvention payments related to leased vehicles were incorrectly classified, within the income statement, as additions to Leased vehicle income rather than reductions to Leased vehicle expense. The impacts of the corrections on the unaudited quarterly financial information filed in the Company's Quarterly Reports on Form 10-Q for each quarter of 2014 and 2015 are included in the following tables. For the Three Months Ended March 31, 2015 As Reported Corrections As Restated Total finance and other interest income $ 1,570,289 $ (101,330 ) $ 1,468,959 Provision for credit losses 605,981 68,706 674,687 Income before income taxes 430,676 (68,706 ) 361,970 Net income 289,250 (42,968 ) 246,282 Net income per common share (basic) $ 0.83 $ (0.13 ) $ 0.70 Net income per common share (diluted) $ 0.81 $ (0.12 ) $ 0.69 As of March 31, 2015 As Reported Corrections As Restated Allowance for credit losses $ 3,192,902 $ 12,198 $ 3,205,100 Finance receivables held for investment, net 24,650,372 (12,198 ) 24,638,174 Total assets 34,665,571 (11,762 ) 34,653,809 Total equity 3,850,481 (7,645 ) 3,842,836 For the Three Months Ended June 30, 2015 As Reported Corrections As Restated Total finance and other interest income $ 1,683,120 $ (111,280 ) $ 1,571,840 Provision for credit losses 738,735 (122,660 ) 616,075 Income before income taxes 446,694 122,660 569,354 Net income 285,464 76,783 362,247 Net income per common share (basic) $ 0.80 $ 0.22 $ 1.02 Net income per common share (diluted) $ 0.79 $ 0.22 $ 1.01 As of June 30, 2015 As Reported Corrections As Restated Allowance for credit losses $ 3,530,919 $ (110,462 ) $ 3,420,457 Finance receivables held for investment, net 24,778,311 110,462 24,888,773 Total assets 36,039,919 106,375 36,146,294 Total equity 4,245,450 69,138 4,314,588 For the Three Months Ended September 30, 2015 As Reported Corrections As Restated Total finance and other interest income $ 1,733,526 $ (122,326 ) $ 1,611,200 Provision for credit losses 744,140 27,770 771,910 Income before income taxes 353,006 (27,770 ) 325,236 Net income 223,900 (17,274 ) 206,626 Net income per common share (basic) $ 0.63 $ (0.05 ) $ 0.58 Net income per common share (diluted) $ 0.62 $ (0.05 ) $ 0.57 As of September 30, 2015 As Reported Corrections As Restated Allowance for credit losses $ 3,173,327 $ (82,692 ) $ 3,090,635 Finance receivables held for investment, net 23,464,030 82,692 23,546,722 Total assets 35,991,228 79,797 36,071,025 Total equity 4,360,841 51,864 4,412,705 For the Three Months Ended December 31, 2015 Total finance and other interest income $ 1,655,120 Net finance and other interest income 1,290,935 Provision for credit losses 902,526 Income before income taxes 28,765 Net income 12,138 Net income per common share (basic) $ 0.03 Net income per common share (diluted) $ 0.03 As of December 31, 2015 Allowance for credit losses $ 3,316,817 Finance receivables held for investment, net 23,479,680 Total assets 36,570,373 Total equity 4,424,963 For the Three Months Ended March 31, 2014 As Reported Corrections As Restated Total finance and other interest income $ 1,287,702 $ (40,915 ) $ 1,246,787 Provision for credit losses 698,594 (93,874 ) 604,720 Income before income taxes 129,507 93,874 223,381 Net income 81,466 59,363 140,829 Net income per common share (basic) $ 0.23 $ 0.17 $ 0.40 Net income per common share (diluted) $ 0.23 $ 0.17 $ 0.40 As of March 31, 2014 As Reported Corrections As Restated Allowance for credit losses $ 2,648,777 $ (216,248 ) $ 2,432,529 Finance receivables held for investment, net 22,195,918 216,248 22,412,166 Total assets 28,796,233 136,798 28,933,031 Total equity 2,908,018 136,798 3,044,816 For the Three Months Ended June 30, 2014 As Reported Corrections As Restated Total finance and other interest income $ 1,383,260 $ (58,626 ) $ 1,324,634 Provision for credit losses 589,136 (40,108 ) 549,028 Income before income taxes 390,124 40,108 430,232 Net income 246,481 25,372 271,853 Net income per common share (basic) $ 0.71 $ 0.07 $ 0.78 Net income per common share (diluted) $ 0.69 $ 0.07 $ 0.76 As of June 30, 2014 As Reported Corrections As Restated Allowance for credit losses $ 2,882,464 $ (256,356 ) $ 2,626,108 Finance receivables held for investment, net 22,763,432 256,356 23,019,788 Total assets 29,732,396 162,170 29,894,566 Total equity 3,102,258 162,170 3,264,428 For the Three Months Ended September 30, 2014 As Reported Corrections As Restated Total finance and other interest income $ 1,443,488 $ (81,435 ) $ 1,362,053 Provision for credit losses 769,689 32,578 802,267 Income before income taxes 281,766 (32,578 ) 249,188 Net income 191,369 (21,481 ) 169,888 Net income per common share (basic) $ 0.55 $ (0.06 ) $ 0.49 Net income per common share (diluted) $ 0.54 $ (0.06 ) $ 0.48 As of September 30, 2014 As Reported Corrections As Restated Allowance for credit losses $ 3,100,378 $ (223,778 ) $ 2,876,600 Finance receivables held for investment, net 22,802,129 223,778 23,025,907 Total assets 30,641,292 140,689 30,781,981 Total equity 3,303,213 140,689 3,443,902 For the Three Months Ended December 31, 2014 As Reported Corrections As Restated Total finance and other interest income $ 1,455,210 $ (88,276 ) $ 1,366,934 Provision for credit losses 559,524 167,270 726,794 Income before income taxes 408,591 (167,270 ) 241,321 Net income 247,033 (105,366 ) 141,667 Net income per common share (basic) $ 0.71 $ (0.30 ) $ 0.41 Net income per common share (diluted) $ 0.69 $ (0.29 ) $ 0.40 As of December 31, 2014 As Reported Corrections As Restated Allowance for credit losses $ 3,085,261 $ (56,508 ) $ 3,028,753 Finance receivables held for investment, net 23,915,551 56,508 23,972,059 Total assets 32,342,176 54,344 32,396,520 Total equity 3,558,349 35,323 3,593,672

Investment Gains (Losses), Net

Investment Gains (Losses), Net	12 Months Ended
	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Investment Gains (Losses), Net	Investment Gains (Losses), Net When the Company sells retail installment contracts acquired individually, personal loans or leases to unrelated third parties or to VIEs and determines that such sale meets the applicable criteria for sale accounting, the Company recognizes a gain or loss for the difference between the cash proceeds and carrying value of the assets sold. The gain or loss is recorded in investment gains (losses), net. Lower of cost or market adjustments on the recorded investment of finance receivables held for sale are also recorded in investment gains (losses), net. Investment gains (losses), net was comprised of the following for the years ended December 31, 2015 , 2014 , and 2013 : For the Year Ended December 31, 2015 2014 2013 Gain on sale of loans and leases $ 130,370 $ 116,765 $ 40,689 Lower of cost or market adjustments (232,271 ) — — Other losses and impairments (14,226 ) — — $ (116,127 ) $ 116,765 $ 40,689 On September 30, 2015, the Company's personal loan portfolio was transferred to held for sale. Subsequent to the transfer of these loans to held for sale, the Company recorded further lower of cost or market adjustments on its personal loans, due to market decline as evidenced by customer defaults on the underlying receivables and declines in the market value of the loans of $123,254 and $109,017 , respectively, which are included in "Lower of cost or market adjustments" in the table above.

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2015
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events Personal Lending Exit Activities On February 1, 2016, the Company completed the sale of assets from its personal lending portfolio to an unrelated third party. The portfolio was comprised solely of personal installment loans with an unpaid principal balance of approximately $900,000 as of December 31, 2015 . On March 24, 2016, the Company notified most of the retailers for which it reviews point-of-sale credit applications that it will no longer fund new originations effective April 11, 2016. Loan Agreements with Santander and Related Subsidiaries On March 4, 2016, the Company amended two revolving credit facilities with Santander to reduce the committed amount of each from $1,750,000 to $1,000,000 (Note 6). On March 4, 2016, the Company and SHUSA, as borrower and lender, respectively, entered into a revolving credit facility with a committed amount of $1,500,000 through March 2019 (Note 6).

Description of Business, Basi29

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices (Policies)	12 Months Ended
	Dec. 31, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation	Basis of Presentation The accompanying consolidated financial statements include the accounts of the Company and its subsidiaries, including certain Trusts, which are considered variable interest entities (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.
Reclassifications	Reclassifications 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 consolidated balance sheet, now are reported in aggregate in the 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 parenthetically and included with third party balances on the consolidated balance sheet, are now reported as separate line items in the consolidated balance sheet. The classification of related-party assets and liabilities reported in the consolidated balance sheets as of December 31, 2015 and 2014 is as follows: Related-Party Assets and Liabilities Classification as of December 31, 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 The reclassifications in the consolidated balance sheets also are reflected in the corresponding categories in the 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, market values of loans, 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.
Finance Receivables	Finance Receivables Finance receivables are comprised of retail installment contracts individually acquired, purchased receivables, receivables from dealer, personal loans, and capital lease receivables. Finance receivables are classified as either held for sale or held for investment, depending on the Company’s intent and ability to hold the underlying contract until maturity or payoff. Most of the Company’s retail installment contracts held for investment are pledged under its warehouse facilities or securitization transactions. Retail Installment Contracts Retail installment contracts consist largely of nonprime automobile finance receivables, which are acquired individually from dealers at a nonrefundable discount from the contractual principal amount. Retail installment contracts also include receivables originated through a direct lending program and loan portfolios purchased from other lenders. Retail installment contracts acquired individually or originated directly are primarily classified as held for investment and carried at amortized cost, net of allowance for credit losses. The Company has elected the fair value option for certain non-performing loans acquired through the exercise of a clean-up call (Note 7). Accordingly, changes in the fair value of these finance receivables, which are based upon fair value estimates (Note 15), are reported in investment gains (losses), net, in the consolidated statements of income and comprehensive income. The fair value of finance receivables for which the Company has elected the fair value option was $6,770 and zero as of December 31, 2015 and 2014 , respectively. Interest is accrued when earned in accordance with the terms of the retail installment contract. The accrual of interest is discontinued and reversed once a retail installment contract becomes more than 60 days past due, and is resumed and reinstated if a delinquent account subsequently becomes 60 days or less past due. The amortization of discounts, subvention payments from manufacturers, and other origination costs on retail installment contracts held for investment acquired individually, or through a direct lending program, are recognized as adjustments to the yield of the related contract using the effective interest method. The Company estimates future principal prepayments and defaults in the calculation of the constant effective yield. Purchased Receivables Portfolios Receivables portfolios purchased from other lenders that are purchased at amounts less than the principal amount of those receivables, resulting in a discount to par, are accounted for in accordance with ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality , if the discount was attributable, at least in part, to the expectation that not all contractual cash flows will be received from borrowers, which did not exist at the origination of the loans. The excess of the estimated undiscounted principal, interest, and other cash flows expected to be collected over the initial investment in the acquired loans, or accretable yield, is accreted to interest income over the expected life of the loans using the effective interest rate method. The nonaccretable difference is the excess between the contractually required payments and the amount of cash flows, considering the impact of prepayments, expected to be collected. The nonaccretable difference is not accreted into income. Any deterioration in the performance of the purchased portfolios results in an incremental impairment. Improvements in performance of the purchased pools that significantly increase actual or expected cash flows result in first a reversal of previously recorded impairment and then in a transfer of the excess from nonaccretable difference to accretable yield, which will be recorded as finance income over the remaining life of the receivables. Personal Loans, Net Personal loans, net, primarily consist of both revolving and amortizing term finance receivables acquired individually under terms of the Company’s agreements with certain third parties who originate and continue to service the loans. Personal loans also include private-label revolving lines of credit originated through the Company’s relationship with a point-of-sale lending technology company. Certain of the revolving receivables were acquired at a discount. Interest is accrued when earned in accordance with the terms of the contract. The accrual of interest on amortizing term receivables is discontinued and reversed once a receivable becomes past due more than 60 days , and is resumed and reinstated if a delinquent account subsequently becomes 60 days or less past due. The accrual of interest on revolving personal loans continues until the receivable becomes 180 days past due, at which point the principal amount and interest are charged off. The amortization of discounts is recognized on a straight-line basis over the estimated period over which the receivables are expected to be outstanding. Receivables from Dealers Receivables from dealers include floorplan loans provided to dealerships to finance new and used vehicles for their inventory. Receivables from dealers also include real estate loans and working capital revolving lines of credit. Interest on these loans is accrued when earned in accordance with the agreement with the dealer. Receivables from dealers the Company does not have the intent and ability to hold for the foreseeable future or until maturity or payoff are classified as held for sale and carried at the lower of cost or market, as determined on an aggregate basis. Dealers with floorplan loans are permitted to deposit cash with the Company in exchange for a lower interest rate. This cash is commingled with the Company’s other cash and available for general use. As of December 31, 2015 and 2014 , no dealer had cash on deposit with the Company. Finance Receivables Held for Sale Finance receivables, which may include any of the receivables described above, that the Company does not have the intent and ability to hold for the foreseeable future or until maturity or payoff, including those previously designated as held for investment and subsequently identified for sale, are classified as held for sale, at origination or at the time a decision to sell is made. Finance receivables designated as held for sale are carried at the lower of cost or market, as determined on an aggregate basis. Cost, or recorded investment, includes deferred net origination fees and costs, premium or discounts, accrued interest, manufacturer subvention (if any) and any direct write-down of the investment. When loans are transferred from held for investment, if the recorded investment of a loan exceeds its market value at the time of initial designation as held for sale, the Company will recognize a direct write-down of the excess of the recorded investment over market as a charge-off against the credit loss allowance. Subsequent to the initial measurement of retail installment contracts held for sale, market declines in the recorded investment, whether due to credit or market risk, are recorded through investment gains (losses), net as lower of cost or market adjustments.
Retail Installment Contracts, Personal Loans, Net and Receivables from Dealers	Personal Loans, Net Personal loans, net, primarily consist of both revolving and amortizing term finance receivables acquired individually under terms of the Company’s agreements with certain third parties who originate and continue to service the loans. Personal loans also include private-label revolving lines of credit originated through the Company’s relationship with a point-of-sale lending technology company. Certain of the revolving receivables were acquired at a discount. Interest is accrued when earned in accordance with the terms of the contract. The accrual of interest on amortizing term receivables is discontinued and reversed once a receivable becomes past due more than 60 days , and is resumed and reinstated if a delinquent account subsequently becomes 60 days or less past due. The accrual of interest on revolving personal loans continues until the receivable becomes 180 days past due, at which point the principal amount and interest are charged off. The amortization of discounts is recognized on a straight-line basis over the estimated period over which the receivables are expected to be outstanding. Receivables from Dealers Receivables from dealers include floorplan loans provided to dealerships to finance new and used vehicles for their inventory. Receivables from dealers also include real estate loans and working capital revolving lines of credit. Interest on these loans is accrued when earned in accordance with the agreement with the dealer. Receivables from dealers the Company does not have the intent and ability to hold for the foreseeable future or until maturity or payoff are classified as held for sale and carried at the lower of cost or market, as determined on an aggregate basis. Dealers with floorplan loans are permitted to deposit cash with the Company in exchange for a lower interest rate. This cash is commingled with the Company’s other cash and available for general use. As of December 31, 2015 and 2014 , no dealer had cash on deposit with the Company. Retail Installment Contracts Retail installment contracts consist largely of nonprime automobile finance receivables, which are acquired individually from dealers at a nonrefundable discount from the contractual principal amount. Retail installment contracts also include receivables originated through a direct lending program and loan portfolios purchased from other lenders. Retail installment contracts acquired individually or originated directly are primarily classified as held for investment and carried at amortized cost, net of allowance for credit losses. The Company has elected the fair value option for certain non-performing loans acquired through the exercise of a clean-up call (Note 7). Accordingly, changes in the fair value of these finance receivables, which are based upon fair value estimates (Note 15), are reported in investment gains (losses), net, in the consolidated statements of income and comprehensive income. The fair value of finance receivables for which the Company has elected the fair value option was $6,770 and zero as of December 31, 2015 and 2014 , respectively. Interest is accrued when earned in accordance with the terms of the retail installment contract. The accrual of interest is discontinued and reversed once a retail installment contract becomes more than 60 days past due, and is resumed and reinstated if a delinquent account subsequently becomes 60 days or less past due. The amortization of discounts, subvention payments from manufacturers, and other origination costs on retail installment contracts held for investment acquired individually, or through a direct lending program, are recognized as adjustments to the yield of the related contract using the effective interest method. The Company estimates future principal prepayments and defaults in the calculation of the constant effective yield.
Purchased Receivables Portfolios	Purchased Receivables Portfolios Receivables portfolios purchased from other lenders that are purchased at amounts less than the principal amount of those receivables, resulting in a discount to par, are accounted for in accordance with ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality , if the discount was attributable, at least in part, to the expectation that not all contractual cash flows will be received from borrowers, which did not exist at the origination of the loans. The excess of the estimated undiscounted principal, interest, and other cash flows expected to be collected over the initial investment in the acquired loans, or accretable yield, is accreted to interest income over the expected life of the loans using the effective interest rate method. The nonaccretable difference is the excess between the contractually required payments and the amount of cash flows, considering the impact of prepayments, expected to be collected. The nonaccretable difference is not accreted into income. Any deterioration in the performance of the purchased portfolios results in an incremental impairment. Improvements in performance of the purchased pools that significantly increase actual or expected cash flows result in first a reversal of previously recorded impairment and then in a transfer of the excess from nonaccretable difference to accretable yield, which will be recorded as finance income over the remaining life of the receivables.
Finance Receivables Held for Sale	Finance Receivables Held for Sale Finance receivables, which may include any of the receivables described above, that the Company does not have the intent and ability to hold for the foreseeable future or until maturity or payoff, including those previously designated as held for investment and subsequently identified for sale, are classified as held for sale, at origination or at the time a decision to sell is made. Finance receivables designated as held for sale are carried at the lower of cost or market, as determined on an aggregate basis. Cost, or recorded investment, includes deferred net origination fees and costs, premium or discounts, accrued interest, manufacturer subvention (if any) and any direct write-down of the investment. When loans are transferred from held for investment, if the recorded investment of a loan exceeds its market value at the time of initial designation as held for sale, the Company will recognize a direct write-down of the excess of the recorded investment over market as a charge-off against the credit loss allowance. Subsequent to the initial measurement of retail installment contracts held for sale, market declines in the recorded investment, whether due to credit or market risk, are recorded through investment gains (losses), net as lower of cost or market adjustments.
Provision for Credit Losses	Provision for Credit Losses Provisions for credit losses are charged to operations in amounts sufficient to maintain the credit loss allowance at a level considered adequate to cover probable credit losses inherent in the finance receivables held for investment portfolio other than those classified as TDRs. Probable losses are estimated based on contractual delinquency status and historical loss experience, in addition to the Company’s judgment of estimates of the value of the underlying collateral, bankruptcy trends, economic conditions such as unemployment rates, changes in the used vehicle value index, delinquency status, historical collection rates and other information in order to make the necessary judgments as to probable loan losses. Provisions for credit losses are charged to operations for impairment on TDRs. Retail installment contracts acquired individually are charged off against the allowance in the month in which the account becomes 120 days contractually delinquent if the Company has not repossessed the related vehicle. The Company charges off accounts in repossession when the automobile is repossessed and legally available for disposition. A charge-off represents the difference between the estimated net sales proceeds and the amount of the delinquent contract. Accounts in repossession that have been charged off and are pending liquidation are removed from retail installment contracts and the related repossessed automobiles are included in other assets in the Company’s consolidated balance sheets. Term and revolving personal loans are charged off against the allowance in the month in which the accounts become 120 and 180 days contractually delinquent, respectively. In addition to maintaining a general allowance based on risk ratings, receivables from dealers are evaluated individually for impairment with allowances established for receivables determined to be individually impaired. Receivables from dealers are charged off against these allowances at management’s discretion based on the dealer’s individual facts and circumstances.
Troubled Debt Restructurings	Troubled Debt Restructurings A modification of finance receivable terms is considered a troubled debt restructuring (TDR) if the Company grants a concession it would not otherwise have considered to a borrower for economic or legal reasons related to the debtor's financial difficulties. The Company considers TDRs to include all individually acquired retail installment contracts or personal revolving loans 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. The purchased receivables portfolio and operating and capital leases are excluded from the scope of the applicable guidance, and none of the Company's personal term loans or dealer loans have been modified or deferred. For TDRs, impairment is typically measured based on the difference between the net carrying value of the loan and the present value of the expected future cash flows of the loan. The loan may also be measured for impairment based on the fair value of the underlying collateral less costs to sell for loans that are collateral dependent.
Leased Vehicles, net and Capital Lease Receivables, net	Leased Vehicles, Net Most vehicles for which the Company is the lessor are classified as operating leases, as they do not meet the accounting requirements to be classified as a capital lease. The net capitalized cost of each lease is recorded as an asset and depreciated on a straight-line basis over the contractual term of the lease to the expected residual value. The expected residual value and, accordingly, the monthly depreciation expense may change throughout the term of the lease. The Company estimates expected residual values using independent data sources and internal statistical models that take into consideration economic conditions, current auction results, the Company’s remarketing abilities, and manufacturer vehicle and marketing programs. Over the life of the lease, the Company evaluates the adequacy of the estimate of the residual value and may make adjustments to the depreciation rates to the extent the expected value of the vehicle at lease termination changes. Lease payments due from customers are recorded as income until and unless a customer becomes more than 60 days delinquent, at which time the accrual of revenue is discontinued and reversed. The accrual is resumed and reinstated if a delinquent account subsequently becomes 60 days or less past due. Subvention payments from the manufacturer, down payments from the customer, and initial direct costs incurred in connection with originating the lease are treated as a reduction to the cost basis of the underlying lease asset and are amortized on a straight-line basis over the contractual term of the lease. The amortization of manufacturer subvention payments is reflected as a reduction to depreciation expense over the life of the contract. The Company periodically evaluates its investment in operating leases for impairment if circumstances, such as a general decline in used vehicle values, indicate that an impairment may exist. Capital Lease Receivables, net Leases classified as capital leases are accounted for as direct financing leases. Minimum lease payments plus the estimated residual value of the leased vehicle are recorded as the gross investment. The difference between the gross investment and the cost of the leased vehicle is recorded as unearned income. Direct financing leases are reported at the aggregate of gross investments, net of unearned income and allowance for lease losses. Income for direct financing leases is recognized using the effective interest method, which provides a constant periodic rate of return on the outstanding investment on the lease.
Repossessed Vehicles and Repossession Expense	Repossessed Vehicles and Repossession Expense Repossessed vehicles represent vehicles the Company has repossessed due to the borrowers’ default on the payment terms of the retail installment contracts, loans or leases. The Company generally begins repossession activity once a customer has reached 60 days past due. The customer has an opportunity to redeem the repossessed vehicle by paying all outstanding balances, including finance charges and fees. Any vehicles not redeemed are sold at auction. The Company records the vehicles currently in its inventory at the lower of cost or estimated fair value, net of estimated costs to sell. (See Notes 9 and 15.) Repossession expense includes the costs to repossess and sell vehicles obtained due to borrower default. These costs include transportation, storage, rekeying, condition reports, legal fees and the fees paid to repossession agents.
Noncontrolling Interests	Noncontrolling Interests Noncontrolling interests represent the activity and net assets of two Delaware limited liability companies (the LLCs), Auto Loan Acquisition 2011-A LLC and Auto Loan Acquisition 2011-B LLC, which were formed in 2011 to purchase and hold certain loan portfolios. Two of the investors in Sponsor Auto Finance Holdings Series LP (Auto Finance Holdings), then an investor in the Company, were the equity investors in the LLCs. Although SC had no equity interest in the LLCs, it had variable interests in the LLCs, including the servicing agreements and an investment in subordinated bonds of the LLCs. Because the Company had the power, through execution of the servicing agreements, to direct the activities of the LLCs that had the most impact on the LLCs’ performance, and had the potential to absorb losses of the entities because of the investment in the bonds, SC was considered the primary beneficiary. Accordingly, these LLCs were consolidated in SC’s consolidated financial statements, with noncontrolling interest expense recorded equal to their entire net income. On August 30, 2013, the two equity investors abandoned their interests in the LLCs, resulting in SC having full ownership of the LLCs. Accordingly, the $38,111 noncontrolling interests balance as of that date was reclassified into additional paid-in capital, net of a $14,058 adjustment to the deferred tax asset representing the change in the book-tax basis difference of SC’s investment in the LLCs. As a result of the abandonment, noncontrolling interests are no longer recorded.
Sales of Finance Receivables and Leases	Sales of Finance Receivables and Leases The Company transfers retail installment contracts into newly formed Trusts, which then issue one or more classes of notes payable backed by the retail installment contracts. The Company’s continuing involvement with the credit facilities and Trusts are in the form of servicing loans held by the special purpose entities (SPEs) and, generally, through holding a residual interest in the SPE. These transactions are structured without recourse. The Trusts are considered VIEs under U.S. GAAP and are consolidated when the Company has: (a) power over the significant activities of the entity and (b) an obligation to absorb losses or the right to receive benefits from the VIE which are potentially significant to the VIE. The Company has power over the significant activities of those Trusts as servicer of the financial assets held in the Trust. Servicing fees are not considered significant variable interests in the Trusts; however, when the Company also retains a residual interest in the Trust, either in the form of a debt security or equity interest, the Company has an obligation to absorb losses or the right to receive benefits that are potentially significant to the SPE. Accordingly, these Trusts are consolidated within the consolidated financial statements, and the associated retail installment contracts, borrowings under credit facilities and securitization notes payable remain on the consolidated balance sheets. Securitizations involving Trusts in which the Company does not retain a residual interest or any other debt or equity interests are treated as sales of the associated retail installment contracts. While these Trusts are included in the consolidated financial statements, these Trusts are separate legal entities; thus, the finance receivables and other assets sold to these Trusts are legally owned by these Trusts, are available only to satisfy the notes payable related to the securitized retail installment contracts, and are not available to the Company's creditors or other subsidiaries. The Company also sells retail installment contracts and leases to VIEs or directly to third parties, which the Company may determine meet sale accounting treatment in accordance with the applicable guidance. Due to the nature, purpose, and activity of these transactions, the Company 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. The transferred financial assets are removed from the Company's consolidated balance sheets at the time the sale is completed. The Company generally remains the servicer of the financial assets and receives servicing fees. The Company also recognizes a gain or loss for the difference between the fair value, as measured based on sales proceeds plus (or minus) the value of any servicing asset (or liability) retained and carrying value of the assets sold.
Cash and Cash Equivalents	Cash and Cash Equivalents The Company considers all highly liquid investments with original maturities of three months or less to be cash equivalents. The Company has maintained balances in various operating and money market accounts in excess of federally insured limits.
Restricted Cash	Restricted Cash Cash deposited to support securitization transactions, lockbox collections, and the related required reserve accounts is recorded in the Company’s consolidated balance sheet as restricted cash. Excess cash flows generated by the securitization trusts are added to the restricted cash reserve account, creating additional over-collateralization until the contractual securitization requirement has been reached. Once the targeted reserve requirement is satisfied, additional excess cash flows generated by the Trusts are released to the Company as distributions from the Trusts. Lockbox collections are added to restricted cash and released when transferred to the appropriate warehouse facility or Trust. The Company has several limited guarantees with Santander that provide explicit performance guarantees on certain servicer obligations related to the Company’s warehouse facilities and certain securitizations. As a result of those guarantees, the Company was permitted to commingle funds received on contracts that have been included in the securitizations and certain warehouse facilities, and retain and remit cash to the respective collection accounts once a month prior to the distribution dates. However, due to downgrades in Santander’s credit ratings, the commingling rights were lost during 2012, and no funds were commingled as of and subsequent to December 31, 2012.
Investments	Investments Investments the Company expects to hold for an indefinite period of time are classified as available for sale and carried at fair value with temporary unrealized gains and losses reported as a component of other comprehensive income, net of estimated income taxes. Investments of less than 20% ownership in privately held companies over which the Company has no significant influence are recorded using the cost method.
Income Taxes	Income Taxes Income tax expense consists of income taxes currently payable and deferred income taxes computed using the asset and liability method. Under the asset and liability method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis. The deferred tax asset is subject to reduction by a valuation allowance in certain circumstances. This valuation allowance is recognized if it is more likely than not that some portion or all of the deferred tax asset will not be realized based on a review of available evidence. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. The Company records the benefit of uncertain tax positions in the consolidated financial statements when such positions (1) meet a more-likely-than-not threshold, (2) are settled through negotiation or litigation, or (3) the statute of limitations for the taxing authority to examine the position has expired. Tax benefits associated with an uncertain tax position are derecognized in the period in which the more-likely-than-not recognition threshold is no longer satisfied.
Furniture and Equipment	Furniture and Equipment Furniture and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed using the straight-line method over the estimated useful lives of the respective assets, which range from three to ten years . Leasehold improvements are amortized over the shorter of the lease term or the estimated useful lives of the improvements. Depreciation and amortization on furniture and equipment for the years ended December 31, 2015 , 2014 , and 2013 totaled $16,111 , $13,069 , and $10,502 , respectively. Expenditures for major renewals and betterments are capitalized. Repairs and maintenance expenditures are charged to operations as incurred.
Goodwill and Intangibles	Goodwill and Intangibles Goodwill represents the excess of consideration paid over fair value of net assets acquired in business combinations. Intangibles represent intangible assets purchased or acquired through business combinations, including trade names and software development costs. Certain intangibles are amortized over their estimated useful lives. Goodwill and indefinite-lived intangibles are tested for impairment at least annually as of December 31, 2015 .
Derivative Financial Instruments	Derivative Financial Instruments Derivative financial instruments are recognized as either assets or liabilities in the consolidated balance sheets at fair value. The accounting for changes in the fair value of each derivative financial instrument depends on whether it has been designated and qualifies as a hedge for accounting purposes, as well as the type of hedging relationship identified. The Company does not use derivative instruments for trading or speculative purposes. Interest Rate Swap Agreements — The Company uses interest rate swaps to hedge the variability of cash flows on securities issued by securitization Trusts and borrowings under the Company’s warehouse facilities. Certain interest rate swap agreements are designated and qualify as cash flow hedges, and are highly effective in reducing exposure to interest rate risk from both an accounting and an economic perspective. At hedge inception and at least quarterly, the interest rate swap agreements designated as accounting hedges are assessed to determine their effectiveness in offsetting changes in the cash flows of the hedged items and whether those interest rate swap agreements may be expected to remain highly effective in future periods. The Company uses change in variable cash flows to assess hedge effectiveness of cash flow hedges on a prospective and retrospective basis. At December 31, 2015 , all of the Company’s interest rate swap agreements designated as cash flow hedges are deemed to be effective hedges for accounting purposes. The Company uses the dollar offset method to measure the amount of ineffectiveness and a net earnings impact occurs when the cumulative change in the value of a derivative, as adjusted, differs from the cumulative change in value of the discounted future cash flows of the forecasted transaction. The excess change in value (the ineffectiveness) is recognized in earnings. The effective portion of the changes in the fair value of the interest rate swaps qualifying as cash flow hedges is included as a component of other comprehensive loss, net of estimated income taxes, as an unrealized gain or loss on cash flow hedges. These unrealized gains or losses are recognized as adjustments to income over the same period in which cash flows from the related hedged item affect earnings. Additionally, to the extent that any of these contracts are not considered to be perfectly effective in offsetting the change in the value of the cash flows being hedged, any changes in fair value relating to the ineffective portion of these contracts are recognized in interest expense on the consolidated statements of income and comprehensive income. The Company discontinues hedge accounting prospectively when it is determined that an interest rate swap agreement has ceased to be effective as an accounting hedge or if the underlying hedged cash flow is no longer probable of occurring. The Company has also entered into interest rate swap agreements related to its securitization trusts and warehouse facilities that are not designated as hedges. These agreements are intended to reduce the risk of interest rate fluctuations. For the interest rate swap agreements not designated as hedges, any gains or losses are included in the Company’s earnings as a component of interest expense. Interest Rate Cap Agreements — The Company purchases interest rate cap agreements to limit floating rate exposures on securities issued in credit facilities. As part of the interest rate risk management strategy, and when economically feasible, the Company may simultaneously sell a corresponding written option to offset the premium paid to purchase the interest rate cap agreement and thus retain the interest rate risk. Because these instruments entered into directly by the Company or through SPEs are not designated for hedge accounting, changes in the fair value of interest rate cap agreements purchased by the SPEs and written option sold by the Company are recorded in interest expense on the consolidated statements of income and comprehensive income. Warrants — 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 would allow SC to increase its ownership to approximately 22% in the investee company.
Stock-Based Compensation	Stock-Based Compensation The Company measures the compensation cost of stock-based awards using the estimated fair value of those awards on the grant date, and recognizes the cost as expense over the vesting period of the awards (see Note 16).
Earnings per Share	Earnings per Share Basic earnings per share is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised. It is computed after giving consideration to the weighted average dilutive effect of the Company’s stock options and restricted stock grants. Because the Company has issued participating securities in the form of unvested restricted stock that has dividend rights, the Company applies the two-class method when computing earnings per share.
Recently Adopted Accounting Standards and Recent Accounting Pronouncements	Recently Adopted Accounting Standards In June 2014, the FASB issued Accounting Standards Update (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 was permitted, and the Company early adopted ASU 2015-3 in its third quarter ended September 30, 2015. The adoption of this guidance had no 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 of this standard to have a material impact to the 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 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 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 does not expect the adoption to have a material impact to the consolidated financial statements. In January 2016, the FASB issued ASU 2016-01, Recognition and Measurement of Financial Assets and Financial Liabilities , which provides guidance for the recognition, measurement, presentation, and disclosure of financial assets and liabilities. The guidance will be effective for the fiscal year beginning after December 15, 2017, including interim periods within that year. The Company is in the process of evaluating the impacts of the adoption of this ASU. In February 2016, the FASB issued ASU 2016-02, Leases, which will, among other impacts, change the criteria under which leases are identified and accounted for as on- or off-balance sheet. The guidance will be effective for the fiscal year beginning after December 15, 2018, including interim periods within that year. Once effective, the new guidance must be applied for all periods presented. The Company is in the process of evaluating the impacts of the adoption of this ASU. In March 2016, the FASB issued ASU 2016-09, Stock Compensation, which is intended to simplify several aspects of the accounting for share-based payment award transactions. The guidance will be effective for the fiscal year beginning after December 15, 2016, including interim periods within that year. The Company is in the process of evaluating the impacts of the adoption of this ASU.

Description of Business, Basi30

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices (Tables)	12 Months Ended
	Dec. 31, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Schedule of Error Corrections and Prior Period Adjustments	The following table summarizes the impacts of the corrections on the consolidated balance sheet as of December 31, 2014: As Reported Corrections As Restated Finance receivables held for investment, net $ 23,915,551 $ 56,508 $ 23,972,059 Deferred tax asset 21,244 (2,164 ) 19,080 Total assets 32,342,176 54,344 32,396,520 Deferred tax liabilities, net 492,303 19,021 511,324 Total liabilities 28,783,827 19,021 28,802,848 Retained earnings 1,990,787 35,323 2,026,110 Total stockholders’ equity 3,558,349 35,323 3,593,672 Total liabilities and equity 32,342,176 54,344 32,396,520 The following table summarizes the impacts of the corrections on the consolidated statement of income for the year ended December 31, 2014: As Reported Corrections As Restated Leased vehicle income $ 929,745 $ (269,252 ) $ 660,493 Total finance and other interest income 5,569,660 (269,252 ) 5,300,408 Leased vehicle expense 740,236 (269,252 ) 470,984 Provision for credit losses 2,616,943 65,866 2,682,809 Net finance and other interest income after provision for credit losses 1,689,278 (65,866 ) 1,623,412 Net finance and other interest income after provision for credit losses and profit sharing 1,614,353 (65,866 ) 1,548,487 Income before income taxes 1,209,988 (65,866 ) 1,144,122 Income tax expense 443,639 (23,754 ) 419,885 Net income 766,349 (42,112 ) 724,237 Comprehensive income $ 772,755 $ (42,112 ) $ 730,643 Net income per common share (basic) $ 2.20 $ (0.12 ) $ 2.08 Net income per common share (diluted) $ 2.15 $ (0.11 ) $ 2.04 The following table summarizes the impacts of the corrections on the consolidated statement of income for the year ended December 31, 2013: As Reported Corrections As Restated Leased vehicle income $ 154,939 $ (41,048 ) $ 113,891 Total finance and other interest income 3,934,021 (41,048 ) 3,892,973 Leased vehicle expense 121,541 (41,048 ) 80,493 Provision for credit losses 1,852,967 (20,473 ) 1,832,494 Net finance and other interest income after provision for credit losses 1,550,726 20,473 1,571,199 Net finance and other interest income after provision for credit losses and profit sharing 1,472,480 20,473 1,492,953 Income before income taxes 1,085,088 20,473 1,105,561 Income tax expense 389,418 7,353 396,771 Net income 695,670 13,120 708,790 Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 697,491 $ 13,120 $ 710,611 Comprehensive income $ 701,981 $ 13,120 $ 715,101 Comprehensive income attributable to Santander Consumer USA Holdings Inc. shareholders $ 702,934 $ 13,120 $ 716,054 Net income per common share (basic) $ 2.01 $ 0.04 $ 2.05 Net income per common share (diluted) $ 2.01 $ 0.04 $ 2.05 The following table summarizes the impact of the corrections on the consolidated statements of equity for the years ended December 31, 2014 and 2013: Retained Earnings Total Stockholders' Equity As Reported Corrections As Restated As Reported Corrections As Restated Balance — January 1, 2013 $ 869,664 $ 64,315 $ 933,979 $ 2,239,466 $ 64,315 $ 2,303,781 Net income for the year ended December 31, 2013 697,491 13,120 710,611 695,670 13,120 708,790 Balance — December 31, 2013 1,276,754 77,435 1,354,189 2,686,832 77,435 2,764,267 Net income for the year ended December 31, 2014 766,349 (42,112 ) 724,237 766,349 (42,112 ) 724,237 Balance — December 31, 2014 1,990,787 35,323 2,026,110 3,558,349 35,323 3,593,672 The following table summarizes the impact of the corrections on the consolidated statement of cash flows for the year ended December 31, 2014: As Reported Corrections As Restated Cash flows from operating activities: Net income $ 766,349 $ (42,112 ) $ 724,237 Adjustments to reconcile net income to net cash provided by operating activities: Provision for credit losses 2,616,943 65,866 2,682,809 Depreciation and amortization 824,997 (269,252 ) 555,745 Accretion of discount, net of amortization of capitalized origination costs (867,180 ) 269,252 (597,928 ) Deferred tax expense 674,094 (23,754 ) 650,340 The following table summarizes the impact of the corrections on the consolidated statement of cash flows for the year ended December 31, 2013: As Reported Corrections As Restated Cash flows from operating activities: Net income $ 695,670 $ 13,120 $ 708,790 Adjustments to reconcile net income to net cash provided by operating activities: Provision for credit losses 1,852,967 (20,473 ) 1,832,494 Depreciation and amortization 188,923 (41,048 ) 147,875 Accretion of discount, net of amortization of capitalized origination costs (471,141 ) 41,048 (430,093 ) Deferred tax expense 291,263 7,353 298,616 Certain footnote disclosures herein have been restated to reflect the effects of the corrections related to allowance methodology, as well as other corrections made in order for the footnote disclosure amounts to be in accordance with GAAP. Footnote disclosures that have been corrected are denoted with “As restated.” Footnote disclosures not affected are unchanged and reflect the disclosures made at the time of the previous filing. The impact of the corrections on the Company's disclosure of retail installment contract TDRs as of December 31, 2014 was as follows: As Reported Corrections As Restated Outstanding recorded investment $ 4,207,037 $ (106,647 ) $ 4,100,390 Impairment (797,240 ) (362,587 ) (1,159,827 ) Outstanding recorded investment, net of impairment $ 3,409,797 $ (469,234 ) $ 2,940,563 The impact of the corrections on the Company's disclosure of delinquent retail installment contract TDRs at December 31, 2014 was as follows: As Reported Corrections As Restated Principal, 31-60 days past due $ 929,095 $ (16,540 ) $ 912,555 Delinquent principal over 60 days 515,235 (46,963 ) 468,272 Total delinquent TDR principal $ 1,444,330 $ (63,503 ) $ 1,380,827 The impact of the corrections on the Company's disclosures of the average recorded investment and income recognized on retail installment contract TDRs was as follows: December 31, 2014 December 31, 2013 As Reported Corrections As Restated As Reported Corrections As Restated Average outstanding recorded investment in TDRs $ 3,289,520 $ (93,418 ) $ 3,196,102 $ 2,466,122 $ (322,896 ) $ 2,143,226 Interest income recognized 481,843 27,161 509,004 322,965 20,921 343,886 The impact of the corrections on the Company's disclosures of the financial effects of retail installment contract TDRs that occurred for the years ended December 31, 2014 and 2013 was as follows: For the Year Ended December 31, 2014 December 31, 2013 As Reported Corrections As Restated As Reported Corrections As Restated Outstanding recorded investment before TDR $ 3,042,731 $ (121,545 ) $ 2,921,186 $ 1,755,241 $ (9,332 ) $ 1,745,909 Outstanding recorded investment after TDR $ 3,039,419 $ (82,657 ) $ 2,956,762 $ 1,747,837 $ 21,520 $ 1,769,357 Number of contracts (not in thousands) 184,640 (13,473 ) 171,167 116,846 (6,340 ) 110,506 The impact of the corrections on the Company's disclosures of retail installment contracts modified as TDRs within the previous twelve months that subsequently defaulted for the years ended December 31, 2014 and 2013 was as follows: For the Year Ended December 31, 2014 December 31, 2013 As Reported Corrections As Restated As Reported Corrections As Restated Recorded investment in TDRs that subsequently defaulted $ 419,032 $ 107,835 $ 526,867 $ 79,714 $ 250,927 $ 330,641 Number of contracts (not in thousands) 36,843 (4,622 ) 32,221 6,383 15,479 21,862 The impact of the corrections on the Company's disclosures of the carrying and fair values of finance receivables held for investment, net as of December 31, 2014 : Finance receivables held for investment, net - Level 3 Carrying Value As Reported Corrections As Restated Finance receivables held for investment, net $ 23,915,551 $ 56,508 $ 23,972,059

Finance Receivables (Tables)

Finance Receivables (Tables)	12 Months Ended
	Dec. 31, 2015
Receivables [Abstract]
Summary of Finance Receivables Held for Investment	Finance receivables held for investment, net is comprised of the following at December 31, 2015 and 2014 : December 31, 2015 December 31, 2014 As restated Retail installment contracts acquired individually $ 23,111,146 $ 21,327,094 Purchased receivables 244,362 683,859 Receivables from dealers 76,025 99,490 Personal loans 941 1,779,777 Capital lease receivables (Note 3) 47,206 81,839 $ 23,479,680 $ 23,972,059 The Company's held for investment portfolio of retail installment contracts acquired individually, receivables from dealers, and personal loans was comprised of the following at December 31, 2015 and 2014 : December 31, 2015 Retail Installment Contracts Receivables from Personal Loans (a) Unpaid principal balance $ 26,863,946 $ 76,941 $ 941 Credit loss allowance (Note 4) (3,296,023 ) (916 ) — Discount (502,342 ) — — Capitalized origination costs and fees 45,565 — — Net carrying balance $ 23,111,146 $ 76,025 $ 941 December 31, 2014 Retail Installment Contracts Receivables from Personal Loans As restated - Note 1 Unpaid principal balance $ 24,555,106 $ 100,164 $ 2,128,769 Credit loss allowance (Note 4) (2,669,830 ) (674 ) (348,660 ) Discount (597,862 ) — (1,356 ) Capitalized origination costs 39,680 — 1,024 Net carrying balance $ 21,327,094 $ 99,490 $ 1,779,777
Schedule of Finance Receivables, Deteriorated Credit Quality	Purchased receivables portfolios, which were acquired with deteriorated credit quality, were comprised of the following at December 31, 2015 and 2014 : December 31, 2015 December 31, 2014 Unpaid principal balance $ 359,822 $ 846,355 Outstanding recorded investment $ 419,183 $ 873,134 Less: Impairment (174,821 ) (189,275 ) Outstanding recorded investment, net of impairment $ 244,362 $ 683,859
Schedule of Financing Receivables Held-For-Sale, Carrying Values	The carrying value of the Company's finance receivables held for sale was comprised of the following at December 31, 2015 and 2014 : December 31, 2015 December 31, 2014 Retail installment contracts acquired individually $ 905,710 $ 45,424 Receivables from dealers — 1,161 Personal loans 1,962,893 — $ 2,868,603 $ 46,585
Schedule of Sales of Retail Installment Contracts and Charged-off Assets	Sales of retail installment contracts to third parties and proceeds from sales of charged-off assets for the years ended December 31, 2015 , 2014 , and 2013 were as follows: For the Year Ended December 31, 2015 2014 2013 Sales of retail installment contracts to third parties $ 7,862,520 $ 6,620,620 $ 2,505,442 Proceeds from sales of charged-off assets 122,436 26,674 121,868
Servicing of Retail Installment Contracts	The Company retains servicing of retail installment contracts sold to third parties. Total contracts sold to unrelated third parties and serviced as of December 31, 2015 and 2014 were as follows: December 31, 2015 December 31, 2014 Serviced balance of retail installment contracts sold to third parties $ 12,155,844 $ 7,372,884
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 Year Ended December 31, 2015 2014 2013 Balance — beginning of year $ 264,416 $ 403,400 $ 816,854 Accretion of accretable yield (89,133 ) (194,996 ) (493,778 ) Reclassifications from nonaccretable difference 18,281 56,012 80,324 Balance — end of year $ 193,564 $ 264,416 $ 403,400

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 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 December 31, 2015 and 2014 : December 31, December 31, Leased vehicles $ 8,862,214 $ 6,309,096 Less: accumulated depreciation (1,517,198 ) (804,629 ) Depreciated net capitalized cost 7,345,016 5,504,467 Manufacturer subvention payments, net of accretion (a) (845,142 ) (645,874 ) Origination fees and other costs 16,156 4,190 Net book value $ 6,516,030 $ 4,862,783 (a) The Company recognized accretion of lease subvention payments, as a reduction to depreciation expense, of $465,093 and $269,252 for the years ended December 31, 2015 and 2014, respectively.
Minimum Rental Payments Due to Lessor under Operating Leases	The following summarizes the future minimum rental payments due to the Company as lessor under operating leases as of December 31, 2015 : 2016 $ 1,140,744 2017 760,665 2018 274,319 2019 8,279 2020 — Thereafter — Total $ 2,184,007
Schedule of Capital Lease Receivable	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 December 31, 2015 and 2014 : December 31, December 31, Gross investment in capital leases $ 91,393 $ 137,543 Origination fees and other 155 78 Less unearned income (24,464 ) (46,193 ) Net investment in capital leases before allowance 67,084 91,428 Less: allowance for lease losses (19,878 ) (9,589 ) Net investment in capital leases $ 47,206 $ 81,839
Schedule of Future Minimum Lease Payments Receivable for Capital Leases	The following summarizes the future minimum lease payments due to the Company as lessor under capital leases as of December 31, 2015 : 2016 $ 27,393 2017 27,318 2018 26,075 2019 9,795 2020 812 Thereafter — Total $ 91,393

Credit Loss Allowance and Cre33

Credit Loss Allowance and Credit Quality (Tables)	12 Months Ended
	Dec. 31, 2015
Loans and Leases Receivable, Allowance [Abstract]
Summary of Activity in Credit Loss Allowance	The activity in the lease loss allowance for capital leases for the years ended December 31, 2015 and 2014 was as follows: For the Year Ended December 31, 2015 2014 Balance — beginning of year $ 9,589 $ — Provision for credit losses 41,196 9,991 Charge-offs (64,209 ) (804 ) Recoveries 33,302 402 Balance — end of year $ 19,878 $ 9,589 The activity in the credit loss allowance for individually acquired loans for the years ended December 31, 2015 , 2014 , and 2013 were as follows: Year Ended December 31, 2015 Retail Installment Receivables Personal Loans (a) Balance — beginning of year $ 2,669,830 $ 674 $ 348,660 Provision for credit losses 2,612,944 242 324,634 Charge-offs (b) (4,061,343 ) — (695,918 ) Recoveries 2,101,709 — 22,624 Impact of loans transferred to held for sale (27,117 ) — — Balance — end of year $ 3,296,023 $ 916 $ — (a) As of December 31, 2015 , substantially all of the Company's personal loans were classified as held for sale. (b) Charge-offs of retail installment contracts acquired individually and personal loans include lower of cost or market adjustments of $73,388 and $377,598 , respectively, which were charged off against the credit loss allowance. Year Ended December 31, 2014 Retail Installment Receivables Personal Loans As restated Balance — beginning of year, as restated $ 2,010,260 $ 1,090 $ 179,350 Provision for credit losses, as restated 2,276,921 (416 ) 434,030 Charge-offs (3,341,047 ) — (286,331 ) Recoveries 1,723,696 — 21,611 Balance — end of year, as restated $ 2,669,830 $ 674 $ 348,660 Year Ended December 31, 2013 Retail Installment Receivables Personal Loans Balance — beginning of year, as reported $ 1,555,362 $ — $ — Correction of an error (Note 1) (101,901 ) — — Balance — beginning of year, as restated $ 1,453,461 $ — $ — Provision for credit losses, as restated 1,630,943 1,090 192,745 Charge-offs (2,094,149 ) — (13,413 ) Recoveries 1,020,005 — 18 Balance — end of year, as restated $ 2,010,260 $ 1,090 $ 179,350
Summary of Impairment Activity Related to Purchased Receivables Portfolios	The impairment activity related to purchased receivables portfolios for the years ended December 31, 2015 , 2014 , and 2013 was as follows: For the Year Ended December 31, 2015 2014 2013 Balance — beginning of year $ 188,639 $ 226,356 $ 218,640 Incremental provisions for purchased receivables portfolios 475 3,568 313,021 Incremental reversal of provisions for purchased receivables portfolios (14,293 ) (41,285 ) (305,305 ) Balance — end of year $ 174,821 $ 188,639 $ 226,356
Summary of Delinquencies	A summary of delinquencies as of December 31, 2015 and 2014 is as follows: December 31, 2015 Retail Installment Contracts Held for Investment Loans Purchased Total Principal, 31-60 days past due $ 2,454,986 $ 30,442 $ 2,485,428 Delinquent principal over 60 days 1,191,567 17,297 1,208,864 Total delinquent principal $ 3,646,553 $ 47,739 $ 3,694,292 December 31, 2014 Retail Installment Contracts Held for Investment Personal Loans Loans Purchased Total Principal, 31-60 days past due $ 2,319,203 $ 131,634 $ 2,450,837 $ 52,452 Delinquent principal over 60 days 1,030,580 72,473 1,103,053 138,400 Total delinquent principal $ 3,349,783 $ 204,107 $ 3,553,890 $ 190,852
Summary of Credit Risk Profile	FICO® Distribution - A summary of the credit risk profile of the Company's consumer loans by FICO® distribution, determined at origination, as of December 31, 2015 and 2014 was as follows: December 31, 2015 FICO ® Band Retail Installment Contracts Held for Investment No-FICOs 16.2% <540 23.4% 540-599 30.9% 600-639 17.3% >640 12.2% December 31, 2014 FICO ® Band Retail Installment Contracts Held for Investment Personal Loans (a) No-FICOs 11.6% — <540 23.4% 3.3% 540-599 28.8% 20.1% 600-639 18.1% 21.4% >640 18.1% 55.2% (a) Unpaid principal balance excluded from the FICO ® distribution is an insignificant amount of loans to borrowers that did not have FICO ® scores at origination.
Commercial 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 December 31, 2015 and 2014 were as follows: December 31, December 31, Pass $ 68,873 $ 97,903 Special Mention 8,068 2,261 Substandard — — Doubtful — — Loss — — $ 76,941 $ 100,164
Summary of Company's TDRs	The table below presents the Company’s loans modified in TDRs as of December 31, 2015 and 2014 : December 31, 2015 (1) December 31, 2014 Retail Installment Contracts Retail Installment Contracts Personal Loans As restated Outstanding recorded investment $ 4,667,380 $ 4,100,390 $ 17,356 Impairment (1,356,092 ) (1,159,827 ) (6,939 ) Outstanding recorded investment, net of impairment $ 3,311,288 $ 2,940,563 $ 10,417 (1) As of December 31, 2015 , substantially all of the Company's personal loans were classified as held for sale, and therefore excluded from the scope of the applicable TDR guidance.
Summary of Delinquent TDRs	A summary of the Company’s delinquent TDRs at December 31, 2015 and 2014 , is as follows: December 31, 2015 (1) December 31, 2014 Retail Installment Contracts Retail Installment Contracts Personal Loans As restated Principal, 31-60 days past due $ 942,021 $ 912,555 $ 1,595 Delinquent principal over 60 days 510,015 468,272 5,131 Total delinquent TDR principal $ 1,452,036 $ 1,380,827 $ 6,726 (1) As of December 31, 2015 , substantially all of the Company's personal loans were classified as held for sale, and therefore excluded from the scope of the applicable TDR guidance.
Average Recorded Investment and Income Recognized on TDR Loans	Average recorded investment and income recognized on TDR loans are as follows: For the Year Ended December 31, 2015 Retail Installment Contracts Personal Loans (a) Average outstanding recorded investment in TDRs $ 4,424,676 $ 17,150 Interest income recognized 716,054 2,220 (a) As of December 31, 2015 , substantially all of the Company's personal loans were classified as held for sale, and therefore excluded from the scope of the applicable TDR guidance. For the Year Ended December 31, 2014 December 31, 2013 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans As restated As restated Average outstanding recorded investment in TDRs $ 3,196,102 $ 14,061 $ 2,143,226 $ 3,260 Interest income recognized 509,004 1,679 343,886 269
Summary of Financial Effects of TDRs	The following table summarizes the financial effects, excluding impacts related to credit loss allowance and impairment, of TDRs that occurred for the years ended December 31, 2015 , 2014 , and 2013 : For the Year Ended December 31, 2015 Retail Installment Contracts Personal Loans (a) Outstanding recorded investment before TDR $ 3,482,114 $ 15,418 Outstanding recorded investment after TDR $ 3,514,289 $ 15,340 Number of contracts (not in thousands) 198,325 12,501 (a) As of December 31, 2015 , substantially all of the Company's personal loans were classified as held for sale, and therefore excluded from the scope of the applicable TDR guidance. For the Year Ended December 31, 2014 December 31, 2013 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans As restated As restated Outstanding recorded investment before TDR $ 2,921,186 $ 18,443 $ 1,745,909 $ 9,408 Outstanding recorded investment after TDR $ 2,956,762 $ 18,359 $ 1,769,357 $ 9,264 Number of contracts (not in thousands) 171,167 16,614 110,506 13,196
Summary of Defaults in Loan Modifications Accounted as TDRs	Loan restructurings accounted for as TDRs within the previous twelve months that subsequently defaulted for the years ended December 31, 2015 , 2014 , and 2013 are summarized in the following table: For the Year Ended December 31, 2015 Retail Installment Contracts Personal Loans (a) Recorded investment in TDRs that subsequently defaulted $ 805,091 $ 5,346 Number of contracts (not in thousands) 45,840 4,919 (a) As of December 31, 2015 , substantially all of the Company's personal loans were classified as held for sale, and therefore excluded from the scope of the applicable TDR guidance. For the Year Ended December 31, 2014 December 31, 2013 Retail Installment Contracts Personal Loans Retail Installment Contracts Personal Loans As restated As restated Recorded investment in TDRs that subsequently defaulted $ 526,867 $ 3,437 $ 330,641 (a) Number of contracts (not in thousands) 32,221 3,401 21,862 (a) (a) Subsequent defaults on personal loan TDRs were insignificant in 2013.

Goodwill and Intangibles (Table

Goodwill and Intangibles (Tables)	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Finite-Lived Intangible Assets	The components of intangible assets at December 31, 2015 and 2014 were as follows: December 31, 2015 Useful Life Gross Carrying Amount Accumulated Amortization Net Carrying Value Amortized intangible assets: Customer relationships 10 years $ 12,400 $ (9,403 ) $ 2,997 Software and technology 3 years 28,691 (16,672 ) 12,019 Trademarks 3 years 2,347 (2,347 ) — Intangible assets not subject to amortization - trademarks 38,300 — 38,300 Total $ 81,738 $ (28,422 ) $ 53,316 December 31, 2014 Useful Life Gross Carrying Amount Accumulated Amortization Net Carrying Value Amortized intangible assets: Customer relationships 10 years $ 12,400 $ (8,163 ) $ 4,237 Software and technology 3 years 22,625 (11,480 ) 11,145 Trademarks 3 years 2,347 (2,347 ) — Intangible assets not subject to amortization - trademarks 38,300 — 38,300 Total $ 75,672 $ (21,990 ) $ 53,682
Schedule of Indefinite-Lived Intangible Assets	The components of intangible assets at December 31, 2015 and 2014 were as follows: December 31, 2015 Useful Life Gross Carrying Amount Accumulated Amortization Net Carrying Value Amortized intangible assets: Customer relationships 10 years $ 12,400 $ (9,403 ) $ 2,997 Software and technology 3 years 28,691 (16,672 ) 12,019 Trademarks 3 years 2,347 (2,347 ) — Intangible assets not subject to amortization - trademarks 38,300 — 38,300 Total $ 81,738 $ (28,422 ) $ 53,316 December 31, 2014 Useful Life Gross Carrying Amount Accumulated Amortization Net Carrying Value Amortized intangible assets: Customer relationships 10 years $ 12,400 $ (8,163 ) $ 4,237 Software and technology 3 years 22,625 (11,480 ) 11,145 Trademarks 3 years 2,347 (2,347 ) — Intangible assets not subject to amortization - trademarks 38,300 — 38,300 Total $ 75,672 $ (21,990 ) $ 53,682
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense	Amortization expense on the assets was $6,742 , $6,902 , and $4,509 for the years ended December 31, 2015 , 2014 , and 2013 respectively. Estimated future amortization expense is as follows: 2016 $ 7,175 2017 5,122 2018 2,719 2019 — 2020 and thereafter — $ 15,016

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2015
Debt Disclosure [Abstract]
Schedule of Credit Facilities	The following table presents information regarding credit facilities as of December 31, 2015 and 2014 : December 31, 2015 Maturity Date(s) Utilized Balance Committed Amount Effective Rate Assets Pledged Restricted Cash Pledged Warehouse line June 2016 $ 378,301 $ 500,000 1.48% $ 535,737 $ — Warehouse line (a) Various 808,135 1,250,000 1.29% 1,137,257 24,942 Warehouse line (b) July 2017 682,720 1,260,000 1.35% 809,185 20,852 Warehouse line (c) July 2017 2,247,443 2,940,000 1.41% 3,412,321 48,589 Warehouse line December 2017 944,877 2,000,000 1.56% 1,345,051 32,038 Repurchase facility (d) December 2016 850,904 850,904 2.07% — 34,166 Warehouse line September 2017 565,399 1,000,000 1.20% 824,327 15,759 Warehouse line (e) November 2016 175,000 175,000 1.90% — — Warehouse line (e) November 2016 250,000 250,000 1.90% — 2,501 Total facilities with third parties 6,902,779 10,225,904 8,063,878 178,847 Lines of credit with Santander and related subsidiaries (f): Line of credit December 2016 500,000 500,000 2.65% — — Line of credit December 2018 — 500,000 3.48% — — Line of credit (g) December 2016 1,000,000 1,750,000 2.61% — — Line of credit (g) December 2018 800,000 1,750,000 2.84% — — Line of credit March 2017 300,000 300,000 1.88% — — Total facilities with Santander and related subsidiaries 2,600,000 4,800,000 — — Total revolving credit facilities $ 9,502,779 $ 15,025,904 $ 8,063,878 $ 178,847 (a) Half of the outstanding balance on this facility matures in March 2016 and half matures in March 2017. On March 29, 2016, the facility was amended to, among other changes, extend the maturity for half of the balance to March 2017 and half to March 2018. (b) This line is held exclusively for financing of Chrysler Capital loans. (c) This line is held exclusively for financing of Chrysler Capital leases. (d) The repurchase facility is collateralized by securitization notes payable retained by the Company. This facility has rolling 30 -day and 90 -day maturities. (e) These lines are collateralized by residuals retained by the Company. (f) These lines are also collateralized by securitization notes payable and residuals retained by the Company. As of December 31, 2015 and December 31, 2014 , $1,420,584 and $2,152,625 , respectively, of the aggregate outstanding balances on these facilities were unsecured. (g) On March 4, 2016, the Company and Santander amended these debt agreements to reduce the committed amount of each line to $1,000,000 . Also on March 4, 2016, the Company entered into a revolving credit facility with SHUSA with a committed amount of $1,500,000 and a maturity date of March 2019. 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 December 31, 2015 and 2014 : December 31, 2015 Original Estimated Maturity Date(s) Balance Initial Note Amounts Issued Initial Weighted Average Interest Rate Collateral Restricted Cash 2012 Securitizations September 2018 $ 433,771 $ 2,525,540 0.92%-1.23% $ 580,581 $ 84,231 2013 Securitizations January 2019 - January 2021 2,000,915 6,689,700 0.89%-1.59% 2,577,552 267,623 2014 Securitizations February 2020 - January 2021 2,956,273 6,391,020 1.16%-1.72% 3,894,365 313,356 2015 Securitizations September 2019 - January 2023 7,269,037 9,317,032 1.33%-2.29% 9,203,569 577,647 Public securitizations (a) 12,659,996 24,923,292 16,256,067 1,242,857 2010 Private issuances (b) June 2011 108,201 516,000 1.29% 240,026 6,855 2011 Private issuances December 2018 708,884 1,700,000 1.46% 1,142,853 50,432 2013 Private issuances September 2018-September 2020 2,836,420 2,693,754 1.13%-1.38% 4,311,481 143,450 2014 Private issuances March 2018 - December 2021 1,541,970 3,271,175 1.05%-1.40% 2,192,495 95,325 2015 Private issuances November 2016 - May 2020 3,017,429 3,548,242 0.88%-2.81% 3,608,497 161,778 Privately issued amortizing notes 8,212,904 11,729,171 11,495,352 457,840 Total secured structured financings $ 20,872,900 $ 36,652,463 $ 27,751,419 $ 1,700,697 (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. 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.
Schedule of Maturities of Long-term Debt	The final contractual maturity and weighted average interest rate by year on these notes at December 31, 2015 , were as follows: 2016, 2.01% $ 814,351 2017, 2.65% 1,228,517 2018, 1.33% 4,272,728 2019, 1.76% 5,589,111 2020, 2.28% 4,255,535 Thereafter, 2.47% 4,756,717 $ 20,916,959 Less: unamortized costs (44,059 ) Notes payable - secured structured financings $ 20,872,900

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	12 Months Ended
	Dec. 31, 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 consolidated financial statements: December 31, December 31, Restricted cash $ 1,842,877 $ 1,626,257 Finance receivables held for sale 1,539,686 18,712 Finance receivables held for investment, net 22,891,064 21,432,284 Leased vehicles, net 6,516,030 4,862,783 Various other assets 620,482 1,283,280 Notes payable 30,611,019 27,796,999 Various other liabilities 5,379 —
Summary of Cash Flows Received from Securitization Trusts	A summary of the cash flows received from consolidated securitization trusts for the years ended December 31, 2015 , 2014 , and 2013 , is as follows: For the Year Ended December 31, 2015 2014 2013 Assets securitized $ 18,282,363 $ 14,251,258 $ 11,589,632 Net proceeds from new securitizations (a) $ 15,232,692 $ 11,948,421 $ 9,980,538 Net proceeds from sale of retained bonds — — 98,650 Cash received for servicing fees (b) 704,374 632,955 506,656 Cash received upon release from reserved and restricted cash accounts (b) — 810 9,933 Net distributions from Trusts (b) 1,283,850 1,386,833 1,482,425 Total cash received from Trusts $ 17,220,916 $ 13,969,019 $ 12,078,202 (a) Includes additional advances on existing securitizations. (b) These amounts are not reflected in the accompanying 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 for the years ended December 31, 2015 , 2014 , and 2013 , is as follows: For the Year Ended December 31, 2015 2014 2013 Receivables securitized $ 1,557,099 $ 1,802,461 $ 1,091,282 Net proceeds from new securitizations $ 1,578,320 $ 1,894,052 $ 1,140,416 Cash received for servicing fees 23,848 17,000 1,863 Total cash received from securitization trusts $ 1,602,168 $ 1,911,052 $ 1,142,279

Derivative Financial Instrume37

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 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 December 31, 2015 and 2014 , were as follows: December 31, 2015 December 31, 2014 Notional Fair Value Notional Fair Value Interest rate swap agreements designated as cash flow hedges $ 9,150,000 $ 1,706 $ 8,020,000 $ 3,827 Interest rate swap agreements not designated as hedges 2,399,000 (1,306 ) 3,206,000 (12,175 ) Interest rate cap agreements 10,013,912 32,951 7,541,385 49,762 Options for interest rate cap agreements 10,013,912 (32,977 ) 7,541,385 (49,806 ) Total return swap — — 250,594 (1,736 )
Schedule of Offsetting Assets	Offsetting of Financial Assets Gross Amounts Not Offset in the Gross Gross Amounts Net Amounts of Assets Presented Financial Cash Net December 31, 2015 Interest rate swaps - Santander & affiliates $ 4,607 $ — $ 4,607 $ — $ — $ 4,607 Interest rate swaps - third party 3,863 — 3,863 — — 3,863 Interest rate caps - Santander & affiliates 12,724 — 12,724 — — 12,724 Interest rate caps - third party 20,227 — 20,227 — — 20,227 Total derivatives subject to a master netting arrangement or similar arrangement 41,421 — 41,421 — — 41,421 Total derivatives not subject to a master netting arrangement or similar arrangement — — — — — — Total derivative assets $ 41,421 $ — $ 41,421 $ — $ — $ 41,421 Total financial assets $ 41,421 $ — $ 41,421 $ — $ — $ 41,421 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
Schedule of Offsetting Liabilities	Offsetting of Financial Liabilities Gross Amounts Not Offset in the Gross Gross Amounts Net Amounts of Liabilities Presented Financial Cash Net December 31, 2015 Interest rate swaps - Santander & affiliates $ 4,977 $ (3,430 ) $ 1,547 $ — $ — $ 1,547 Interest rate swaps - third party 3,093 (3,093 ) — — — — Back to back - Santander & affiliates 12,724 (12,270 ) 454 — — 454 Back to back - third party 20,253 (20,253 ) — — — — Total derivatives subject to a master netting arrangement or similar arrangement 41,047 (39,046 ) 2,001 — — 2,001 Total return swap — — — — — — Total derivatives not subject to a master netting arrangement or similar arrangement — — — — — — Total derivative liabilities $ 41,047 $ (39,046 ) $ 2,001 $ — $ — $ 2,001 Total financial liabilities $ 41,047 $ (39,046 ) $ 2,001 $ — $ — $ 2,001 December 31, 2014 Interest rate swaps - Santander & affiliates $ 15,783 $ (4,308 ) $ 11,475 $ — $ — $ 11,475 Interest rate swaps - third party 719 (191 ) 528 — — 528 Back to back - Santander & affiliates 35,602 (35,602 ) — — — — Back to back - third party 14,204 (14,204 ) — — — — Total derivatives subject to a master netting arrangement or similar arrangement 66,308 (54,305 ) 12,003 — — 12,003 Total return swap 1,736 (1,736 ) — — — — Total derivatives not subject to a master netting arrangement or similar arrangement 1,736 (1,736 ) — — — — Total derivative liabilities $ 68,044 $ (56,041 ) $ 12,003 $ — $ — $ 12,003 Total financial liabilities $ 68,044 $ (56,041 ) $ 12,003 $ — $ — $ 12,003
Gross Gains (Losses) Reclassified from Accumulated Other Comprehensive Income	The Company’s derivative instruments had effects on its consolidated statements of income and comprehensive income for the years ended December 31, 2015 , 2014 , and 2013 as follows: December 31, 2015 Gains (Losses) Recognized in Interest Expense Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income To Interest Expense Interest rate swap agreements designated as cash flow hedges $ 223 $ (53,160 ) $ (50,860 ) Derivative instruments not designated as hedges $ (11,880 ) December 31, 2014 Gains (Losses) Recognized in Interest Expense Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income To Interest Expense Interest rate swap agreements designated as cash flow hedges $ (708 ) $ (23,015 ) $ (33,235 ) Derivative instruments not designated as hedges $ 19,278 December 31, 2013 Gains (Losses) Recognized in Interest Expense Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income To Interest Expense Interest rate swap agreements designated as cash flow hedges $ — $ 4,062 $ (19,526 ) Derivative instruments not designated as hedges $ 21,080

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Dec. 31, 2015
Other Assets [Abstract]
Schedule of Other Assets	Other assets were comprised as follows: December 31, December 31, Upfront fee (a) $ 110,000 $ 125,000 Vehicles (b) 203,906 134,926 Manufacturer subvention payments receivable (a) 132,856 70,213 Accounts receivable 27,028 18,440 Prepaids 33,183 35,906 Derivative assets (Note 8) 24,090 17,106 Other 18,581 1,825 $ 549,644 $ 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 FCA, 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 (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit)	The components of the provision for income taxes for the years ended December 31, 2015 , 2014 , and 2013 , were as follows: For the Year Ended December 31, 2015 2014 2013 Current income tax expense (benefit): As restated As restated Federal $ 37,464 $ (261,655 ) $ 65,168 State 4,908 31,200 32,987 Total current income tax expense (benefit) 42,372 (230,455 ) 98,155 Deferred income tax expense: Federal 377,563 628,055 292,874 State 38,097 22,285 5,742 Total deferred income tax expense 415,660 650,340 298,616 Total income tax expense $ 458,032 $ 419,885 $ 396,771
Schedule of Effective Income Tax Rate Reconciliation	The reconciliation of the federal statutory income tax rate to the Company’s effective income tax rates for the years ended December 31, 2015 , 2014 , and 2013 , is as follows: For the Year Ended December 31, 2015 2014 2013 As restated As restated Federal statutory rate 35.0 % 35.0 % 35.0 % State and local income taxes — net of federal income tax benefit 2.6 2.5 2.3 Valuation allowance (0.2 ) 1.1 (0.2 ) Electric vehicle credit (1.5 ) (1.8 ) (0.9 ) Other (0.3 ) (0.1 ) (0.3 ) Effective income tax rate 35.6 % 36.7 % 35.9 %
Schedule of Deferred Tax Assets and Liabilities	The tax effects of temporary differences between the financial reporting and income tax basis of assets and liabilities at December 31, 2015 and 2014 , are as follows: December 31, December 31, Deferred tax assets: As restated Debt issuance costs $ 3,502 $ 3,728 Receivables 553,586 616,799 Derivatives — 2,444 Capital loss carryforwards 27,013 27,150 Net operating loss carryforwards 198,573 6,791 Equity-based compensation 41,677 29,418 Credit carryforwards 79,037 42,780 Other 29,499 35,221 Total gross deferred tax assets 932,887 764,331 Deferred tax liabilities: Capitalized origination costs (12,188 ) (11,567 ) Goodwill (13,198 ) (11,136 ) Leased vehicles (1,767,901 ) (1,183,267 ) Furniture and equipment (13,212 ) (14,325 ) Original purchase discount on investments — (616 ) Derivatives (356 ) — Other (3,795 ) (2,763 ) Total gross deferred tax liabilities (1,810,650 ) (1,223,674 ) Valuation allowance (30,489 ) (32,901 ) Net deferred tax asset (liability) $ (908,252 ) $ (492,244 )
Summary of Valuation Allowance	A rollforward of the valuation allowance for the years ended December 31, 2015 , 2014 , and 2013 is as follows: For the Year Ended December 31, 2015 2014 2013 Valuation allowance, beginning of year $ 32,901 $ 19,942 $ 22,381 Provision (release) (2,412 ) 12,959 (2,439 ) Valuation allowance, end of year $ 30,489 32,901 $ 19,942
Reconciliation of Gross Unrecognized Tax Benefits	A reconciliation of the beginning and ending balances of gross unrecognized tax benefits for each of the years ended December 31, 2015 , 2014 , and 2013 is as follows: For the Year Ended December 31, 2015 2014 2013 Gross unrecognized tax benefits balance, January 1 $ 166 $ 1,487 $ 2,146 Additions for tax positions of prior years 70 5,472 — Reductions for tax positions of prior years (11 ) (3,783 ) — Reductions as a result of a lapse of the applicable statute of limitations — (2,473 ) (754 ) Settlements — (537 ) 95 Gross unrecognized tax benefits balance, December 31 $ 225 $ 166 $ 1,487

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Schedule of Future Minimum Rental Payments for Operating Leases	The remaining obligation under lease commitments at December 31, 2015 are as follows: 2016 $ 12,863 2017 11,701 2018 12,532 2019 12,677 2020 13,015 Thereafter 69,863 $ 132,651

Related-Party Transactions (Tab

Related-Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2015
Related Party Transaction [Line Items]
Information on Related Party Transactions	Interest expense, including unused fees, for affiliate lines/letters of credit for the years ended December 31, 2015 , 2014 , and 2013 was as follows: For the Year Ended December 31, 2015 2014 2013 Line of credit agreement with Santander - New York Branch (Note 6) $ 96,753 $ 92,209 $ 62,845 Line of credit agreement with SHUSA (Note 6) 5,299 4,299 — Letter of credit facility with Santander - New York Branch (Note 6) — 507 526 Accrued interest for affiliate lines/letters of credit at December 31, 2015 and 2014 , were comprised as follows: December 31, 2015 December 31, 2014 Line of credit agreement with Santander - New York Branch (Note 6) $ 6,015 $ 7,750 Line of credit agreement with SHUSA (Note 6) 267 242 Letter of credit facility with Santander - New York Branch (Note 6) — 128
Serviced Auto Loan and Retail Installment
Related Party Transaction [Line Items]
Information on Related Party Transactions	Other information on the serviced auto loan and retail installment contract portfolios for SBNA as of December 31, 2015 and 2014 is as follows: December 31, December 31, Total serviced portfolio $ 692,291 $ 896,300 Cash collections due to owner 19,302 21,415 Servicing fees receivable 1,476 2,171
Consumer Vehicle Lease
Related Party Transaction [Line Items]
Information on Related Party Transactions	Other information on the consumer vehicle lease portfolio serviced for SBNA as of December 31, 2015 and 2014 is as follows: December 31, December 31, Total serviced portfolio $ 2,198,519 $ 1,989,967 Cash collections due to owner 132 1 Lease fundings due from owner — 3,365 Origination and servicing fees receivable 784 10,345 Revenue share reimbursement receivable 1,370 1,694

Supplemental Cash Flow Inform42

Supplemental Cash Flow Information (Tables)	12 Months Ended
	Dec. 31, 2015
Supplemental Cash Flow Elements [Abstract]
Schedule of Cash Flow, Supplemental Disclosures	Supplemental cash flow information is as follows: For the Year Ended December 31, 2015 2014 2013 Cash paid (received) during the year for: Interest $ 635,558 $ 541,705 $ 417,128 Income taxes (190,663 ) 278,210 465,828 Noncash investing and financing transactions: Acquisition of noncontrolling interests $ — $ — $ 38,111 Transfer of revolving credit facilities to secured structured financings 193,180 — — Transfer of personal loans to held for sale 1,883,251 — —

Computation of Basic and Dilu43

Computation of Basic and Diluted Earnings per Common Share (Tables)	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
Schedule of Computation of Basic and Diluted Earnings per Common Share	The following table represents EPS numbers for the years ended December 31, 2015 and 2014 : For the Year Ended December 31, 2015 2014 2013 Earnings per common share (As Restated - Note 1) (As Restated - Note 1) Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 827,293 $ 724,237 $ 710,611 Weighted average number of common shares outstanding before restricted participating shares (in thousands) 354,636 348,139 346,172 Weighted average number of participating restricted common shares outstanding (in thousands) 467 584 6 Weighted average number of common shares outstanding (in thousands) 355,103 348,723 346,178 Earnings per common share $ 2.33 $ 2.08 $ 2.05 Earnings per common share - assuming dilution Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 827,293 $ 724,237 $ 710,611 Weighted average number of common shares outstanding (in thousands) 355,103 348,723 346,178 Effect of employee stock-based awards (in thousands) 3,784 6,999 — Weighted average number of common shares outstanding - assuming dilution (in thousands) 358,887 355,722 346,178 Earnings per common share - assuming dilution $ 2.31 $ 2.04 $ 2.05

Fair Value of Financial Instr44

Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Summary of Fair Value Estimates, Methods and Assumptions	Fair value estimates, methods, and assumptions are as follows: December 31, 2015 December 31, 2014 Level Carrying Estimated Carrying Estimated As Restated - Note 1 Cash and cash equivalents (a) 1 $ 18,893 $ 18,893 $ 33,157 $ 33,157 Finance receivables held for sale, net (b) 3 2,868,603 2,889,043 46,585 46,585 Finance receivables held for investment, net (c) 3 23,479,680 24,960,092 23,972,059 25,576,337 Restricted cash (a) 1 2,236,329 2,236,329 1,920,857 1,920,857 Notes payable — credit facilities (d) 3 6,902,779 6,902,779 6,402,327 6,402,327 Notes payable — secured structured financings (e) 2 20,872,900 20,917,733 17,718,974 17,810,062 Notes payable — related party (f) 3 2,600,000 2,600,000 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) Finance receivables held for sale, net — Finance receivables held for sale, net are comprised of retail installment contracts acquired individually and personal loans and are carried at the lower of cost or market, as determined on an aggregate basis for each type of receivable. • Retail installment contracts acquired individually — The estimated fair value is based on prices obtained in recent market transactions or expected to be obtained in the subsequent sales for similar assets. • Personal loans — The estimated fair value for personal loans held for sale is calculated based on a combination of estimated cash flows and market rates for similar loans with similar credit risks and a discounted cash flow analysis (DCF) in which the Company uses significant unobservable inputs on key assumptions, including historical default rates and adjustments to reflect prepayment rates, discount rates reflective of the cost of funding, and credit loss expectations. (c) Finance receivables held for investment, net — Finance receivables held for investment, net are carried at amortized cost, net of an allowance. The estimated fair value for the underlying financial instruments are determined as follows: • Retail installment contracts held for investment, net — The estimated fair value is calculated based on a DCF in which the Company uses significant unobservable inputs on key assumptions, including historical default rates and adjustments to reflect prepayment rates, expected recovery rates, discount rates reflective of the cost of funding, and credit loss expectations. • Receivables from dealers held for investment and Capital lease receivables, net — Receivables from dealers held for investment and capital lease receivables are carried at amortized cost, net of credit loss allowance and gross investments, net of unearned income and allowance for lease losses, respectively. Management believes that the terms of these credit agreements approximate market terms for similar credit agreements. (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 as the facilities are subject to short-term floating interest rates that approximate rates available to the Company. (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 as the facilities are subject to short-term floating interest rates that approximate rates available to the Company.
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 December 31, 2015 and 2014 , and are categorized using the fair value hierarchy: Fair Value Measurements at December 31, 2015 Total Quoted Prices Significant Significant Other assets — trading interest rate caps (a) $ 20,227 $ — $ 20,227 $ — Due from affiliates — trading interest rate caps (a) 12,724 — 12,724 — Other assets — cash flow hedging interest rate swaps (a) 3,863 — 3,863 — Due from affiliates — cash flow hedging interest rate swaps (a) 3,431 — 3,431 — Due from affiliates — trading interest rate swaps (a) 1,176 — 1,176 — Other liabilities — trading options for interest rate caps (a) 20,253 — 20,253 — Due to affiliates — trading options for interest rate caps (a) 12,724 — 12,724 — Other liabilities — cash flow hedging interest rate swaps (a) 3,093 — 3,093 — Due to affiliates — cash flow hedging interest rate swaps (a) 2,496 — 2,496 — Due to affiliates — trading interest rate swaps (a) 2,481 — 2,481 — Retail installment contracts acquired individually (b) 6,770 — — 6,770 Fair Value Measurements at December 31, 2014 Total Quoted Prices Significant Significant 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 (c) 1,736 — 1,736 — (a) The valuation of swaps and caps is determined using widely accepted valuation techniques including a DCF 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 8). (b) For certain retail installment contracts reported in finance receivables held for investment, net, the Company has elected the fair value option. The fair values of the retail installment contracts are estimated using a DCF model. When estimating the fair value using this model, the Company uses significant unobservable inputs on key assumptions, which includes historical default rates and adjustments to reflect prepayment rates based on available data from a comparable market securitization of similar assets, discount rates reflective of the cost of funding of debt issuance and recent historical equity yields, and recovery rates based on the average severity utilizing reported severity rates and loss severity utilizing available market data from a comparable securitized pool. Accordingly, retail installment contracts held for investment are classified as Level 3. (c) The total return swap was valued based on the estimated market value of the underlying bonds pledged to the associated credit facility.
Schedule of Changes in Level 3 Balances	The table below presents the changes in all Level 3 balances for the year ended December 31, 2015 : Retail Installment Contracts Held for Investment Fair value, December 31, 2014 $ — Additions / issuances 6,770 Fair value, December 31, 2015 $ 6,770
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 December 31, 2015 and 2014 , and are categorized using the fair value hierarchy: Fair Value Measurements at December 31, 2015 Total Quoted Prices Significant Significant Lower of cost or fair value adjustment recognized in earnings Other assets — vehicles (a) $ 203,906 $ — $ 203,906 $ — $ — Personal loans held for sale (b) $ 1,962,893 $ — $ — $ 1,962,893 $ 609,869 Fair Value Measurements at December 31, 2014 Total Quoted Prices Significant Significant Lower of cost or fair value adjustment recognized in earnings Other assets — vehicles (a) $ 134,926 $ — $ 134,926 $ — $ — (a) Represents vehicles in repossession or lease termination status at year-end, which have been charged off against credit loss allowance at fair value. (b) Represents the portion of the portfolio specifically impaired during 2015.

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 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 year ended December 31, 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 (8,953,812 ) 9.85 (124,132 ) Expired (15,197 ) 9.73 Forfeited (300,040 ) 16.62 Options outstanding at December 31, 2015 12,522,706 $ 11.84 6.4 $ 50,163 Options exercisable at December 31, 2015 9,619,940 $ 11.09 6.2 $ 45,773 Options expected to vest at December 31, 2015 2,574,904 $ 14.49 6.9 A summary of the status and changes of the Company's nonvested stock options as of and for the year ended December 31, 2015 , is presented below: Shares Weighted Average Grant Date Fair Value Non-vested at January 1, 2015 4,487,731 $ 6.72 Granted 433,844 8.10 Vested (1,703,572 ) 7.08 Forfeited or expired (315,237 ) 7.02 Non-vested at December 31, 2015 2,902,766 $ 6.68
Summary of the Assumptions Used to Estimate the Fair Value of Stock Options	The following summarizes the assumptions used for estimating the fair value of stock options granted under the Management Equity Plan to employees for the years ended December 31, 2015 , 2014 , and 2013 . For the Year Ended December 31, 2015 2014 2013 Assumption Risk-free interest rate 1.64% - 1.97% 1.94% - 2.12% 1.08% - 1.11% Expected life (in years) 6.0 - 6.5 6.0 - 6.5 6.5 Expected volatility 32% - 48% 49% - 51% 50% Dividend yield 1.6% - 2.7% 2.3% - 4.2% 0.38% Weighted average grant date fair value $6.92 - $9.67 $7.54 - $8.38 $6.56 - $7.46

Shareholders' Equity (Tables)

Shareholders' Equity (Tables)	12 Months Ended
	Dec. 31, 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 years ended December 31, 2015 , 2014 , and 2013 is as follows: Unrealized gains (losses) on cash flow hedges Unrealized gains (losses) on investments available for sale Total Balance - January 1, 2013 $ (12,416 ) $ 3,252 $ (9,164 ) Other comprehensive income (loss) before reclassifications (2,761 ) (2,490 ) (5,251 ) Amounts reclassified out of accumulated other comprehensive income (loss) 12,324 (762 ) 11,562 Balance - December 31, 2013 (2,853 ) — (2,853 ) Other comprehensive income (loss) before reclassifications (14,636 ) — (14,636 ) Amounts reclassified out of accumulated other comprehensive income (loss) 21,042 — 21,042 Balance - December 31, 2014 3,553 — 3,553 Other comprehensive income (loss) before reclassifications (34,182 ) — (34,182 ) Amounts reclassified out of accumulated other comprehensive income (loss) 32,754 — 32,754 Balance - December 31, 2015 $ 2,125 $ — $ 2,125
Reclassification of Amounts out of Accumulated Other Comprehensive Income (Loss)	Amounts reclassified out of accumulated other comprehensive income (loss) consist of the following: Year Ended December 31, 2015 Year Ended December 31, 2014 Year Ended December 31, 2013 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges: Settlements of derivatives $ 50,860 Interest Expense $ 33,235 Interest Expense $ 19,526 Interest Expense Tax expense (benefit) (18,106 ) (12,193 ) (7,202 ) Net of tax $ 32,754 $ 21,042 $ 12,324 Investments available for sale: Discount accretion $ — $ — $ (1,208 ) Interest Expense Tax expense (benefit) — — 446 Net of tax $ — $ — $ (762 )

Quarterly Financial Data (una47

Quarterly Financial Data (unaudited) (Tables)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Schedule of Quarterly Financial Information	For the Three Months Ended March 31, 2015 As Reported Corrections As Restated Total finance and other interest income $ 1,570,289 $ (101,330 ) $ 1,468,959 Provision for credit losses 605,981 68,706 674,687 Income before income taxes 430,676 (68,706 ) 361,970 Net income 289,250 (42,968 ) 246,282 Net income per common share (basic) $ 0.83 $ (0.13 ) $ 0.70 Net income per common share (diluted) $ 0.81 $ (0.12 ) $ 0.69 As of March 31, 2015 As Reported Corrections As Restated Allowance for credit losses $ 3,192,902 $ 12,198 $ 3,205,100 Finance receivables held for investment, net 24,650,372 (12,198 ) 24,638,174 Total assets 34,665,571 (11,762 ) 34,653,809 Total equity 3,850,481 (7,645 ) 3,842,836 For the Three Months Ended June 30, 2015 As Reported Corrections As Restated Total finance and other interest income $ 1,683,120 $ (111,280 ) $ 1,571,840 Provision for credit losses 738,735 (122,660 ) 616,075 Income before income taxes 446,694 122,660 569,354 Net income 285,464 76,783 362,247 Net income per common share (basic) $ 0.80 $ 0.22 $ 1.02 Net income per common share (diluted) $ 0.79 $ 0.22 $ 1.01 As of June 30, 2015 As Reported Corrections As Restated Allowance for credit losses $ 3,530,919 $ (110,462 ) $ 3,420,457 Finance receivables held for investment, net 24,778,311 110,462 24,888,773 Total assets 36,039,919 106,375 36,146,294 Total equity 4,245,450 69,138 4,314,588 For the Three Months Ended September 30, 2015 As Reported Corrections As Restated Total finance and other interest income $ 1,733,526 $ (122,326 ) $ 1,611,200 Provision for credit losses 744,140 27,770 771,910 Income before income taxes 353,006 (27,770 ) 325,236 Net income 223,900 (17,274 ) 206,626 Net income per common share (basic) $ 0.63 $ (0.05 ) $ 0.58 Net income per common share (diluted) $ 0.62 $ (0.05 ) $ 0.57 As of September 30, 2015 As Reported Corrections As Restated Allowance for credit losses $ 3,173,327 $ (82,692 ) $ 3,090,635 Finance receivables held for investment, net 23,464,030 82,692 23,546,722 Total assets 35,991,228 79,797 36,071,025 Total equity 4,360,841 51,864 4,412,705 For the Three Months Ended December 31, 2015 Total finance and other interest income $ 1,655,120 Net finance and other interest income 1,290,935 Provision for credit losses 902,526 Income before income taxes 28,765 Net income 12,138 Net income per common share (basic) $ 0.03 Net income per common share (diluted) $ 0.03 As of December 31, 2015 Allowance for credit losses $ 3,316,817 Finance receivables held for investment, net 23,479,680 Total assets 36,570,373 Total equity 4,424,963 For the Three Months Ended March 31, 2014 As Reported Corrections As Restated Total finance and other interest income $ 1,287,702 $ (40,915 ) $ 1,246,787 Provision for credit losses 698,594 (93,874 ) 604,720 Income before income taxes 129,507 93,874 223,381 Net income 81,466 59,363 140,829 Net income per common share (basic) $ 0.23 $ 0.17 $ 0.40 Net income per common share (diluted) $ 0.23 $ 0.17 $ 0.40 As of March 31, 2014 As Reported Corrections As Restated Allowance for credit losses $ 2,648,777 $ (216,248 ) $ 2,432,529 Finance receivables held for investment, net 22,195,918 216,248 22,412,166 Total assets 28,796,233 136,798 28,933,031 Total equity 2,908,018 136,798 3,044,816 For the Three Months Ended June 30, 2014 As Reported Corrections As Restated Total finance and other interest income $ 1,383,260 $ (58,626 ) $ 1,324,634 Provision for credit losses 589,136 (40,108 ) 549,028 Income before income taxes 390,124 40,108 430,232 Net income 246,481 25,372 271,853 Net income per common share (basic) $ 0.71 $ 0.07 $ 0.78 Net income per common share (diluted) $ 0.69 $ 0.07 $ 0.76 As of June 30, 2014 As Reported Corrections As Restated Allowance for credit losses $ 2,882,464 $ (256,356 ) $ 2,626,108 Finance receivables held for investment, net 22,763,432 256,356 23,019,788 Total assets 29,732,396 162,170 29,894,566 Total equity 3,102,258 162,170 3,264,428 For the Three Months Ended September 30, 2014 As Reported Corrections As Restated Total finance and other interest income $ 1,443,488 $ (81,435 ) $ 1,362,053 Provision for credit losses 769,689 32,578 802,267 Income before income taxes 281,766 (32,578 ) 249,188 Net income 191,369 (21,481 ) 169,888 Net income per common share (basic) $ 0.55 $ (0.06 ) $ 0.49 Net income per common share (diluted) $ 0.54 $ (0.06 ) $ 0.48 As of September 30, 2014 As Reported Corrections As Restated Allowance for credit losses $ 3,100,378 $ (223,778 ) $ 2,876,600 Finance receivables held for investment, net 22,802,129 223,778 23,025,907 Total assets 30,641,292 140,689 30,781,981 Total equity 3,303,213 140,689 3,443,902 For the Three Months Ended December 31, 2014 As Reported Corrections As Restated Total finance and other interest income $ 1,455,210 $ (88,276 ) $ 1,366,934 Provision for credit losses 559,524 167,270 726,794 Income before income taxes 408,591 (167,270 ) 241,321 Net income 247,033 (105,366 ) 141,667 Net income per common share (basic) $ 0.71 $ (0.30 ) $ 0.41 Net income per common share (diluted) $ 0.69 $ (0.29 ) $ 0.40 As of December 31, 2014 As Reported Corrections As Restated Allowance for credit losses $ 3,085,261 $ (56,508 ) $ 3,028,753 Finance receivables held for investment, net 23,915,551 56,508 23,972,059 Total assets 32,342,176 54,344 32,396,520 Total equity 3,558,349 35,323 3,593,672

Investment Gains (Losses), Net

Investment Gains (Losses), Net (Tables)	12 Months Ended
	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Summary of Investment Gains (Losses), Net	Investment gains (losses), net was comprised of the following for the years ended December 31, 2015 , 2014 , and 2013 : For the Year Ended December 31, 2015 2014 2013 Gain on sale of loans and leases $ 130,370 $ 116,765 $ 40,689 Lower of cost or market adjustments (232,271 ) — — Other losses and impairments (14,226 ) — — $ (116,127 ) $ 116,765 $ 40,689

Description of Business, Basi49

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Narrative (Details)

12 Months Ended

Dec. 31, 2016USD ($)

Dec. 31, 2015USD ($)entitysegment

Dec. 31, 2014USD ($)

Dec. 31, 2013USD ($)

Oct. 15, 2015

Sep. 30, 2015USD ($)

Jun. 30, 2015USD ($)

Mar. 31, 2015USD ($)

Sep. 30, 2014USD ($)

Jun. 30, 2014USD ($)

Mar. 31, 2014USD ($)

Dec. 31, 2012USD ($)

Basis Of Presentation And Significant Accounting Policies [Line Items]

Credit loss allowance

$ (3,316,817,000)

$ (3,028,753,000)

$ (3,090,635,000)

$ (3,420,457,000)

$ (3,205,100,000)

$ (2,876,600,000)

$ (2,626,108,000)

$ (2,432,529,000)

Number of reportable segments | segment

1

TDRs, deferral period (or more)

90 days

Lease, period to be considered delinquent

60 days

Inventory repossession period

60 days

Number of noncontrolling interests entities | entity

2

Abandonment of noncontrolling interest

$ 14,058,000

Investments included in other assets

$ 0

6,000,000

6,000,000

Goodwill, impairment expense

0

0

0

Goodwill, accumulated impairment charges

0

0

0

Long-lived intangible assets, impairment expense

0

0

0

Accumulated impairment of intangible assets, finite lived

$ 0

0

0

Increase in ownership in the invested company

22.00%

Furniture and Equipment

Basis Of Presentation And Significant Accounting Policies [Line Items]

Depreciation and amortization

$ 16,111,000

13,069,000

10,502,000

Furniture and Equipment | Minimum

Basis Of Presentation And Significant Accounting Policies [Line Items]

Furniture and equipment, useful life

3 years

Furniture and Equipment | Maximum

Basis Of Presentation And Significant Accounting Policies [Line Items]

Furniture and equipment, useful life

10 years

Noncontrolling Interests

Basis Of Presentation And Significant Accounting Policies [Line Items]

Abandonment of noncontrolling interest

38,111,000

Automobile Loan

Basis Of Presentation And Significant Accounting Policies [Line Items]

Threshold period past due for nonaccrual state of financing receivables

60 days

Revolving Unsecured Consumer Loans, Net

Basis Of Presentation And Significant Accounting Policies [Line Items]

Threshold period past due for nonaccrual state of financing receivables

60 days

Period for loans to become contractually delinquent

180 days

Amortizing Unsecured Consumer Loans, Net

Basis Of Presentation And Significant Accounting Policies [Line Items]

Threshold period past due for nonaccrual state of financing receivables

180 days

Retail Installment Contracts

Basis Of Presentation And Significant Accounting Policies [Line Items]

Period for loans to become contractually delinquent

120 days

Term Unsecured Consumer Loans

Basis Of Presentation And Significant Accounting Policies [Line Items]

Period for loans to become contractually delinquent

120 days

SHUSA

Basis Of Presentation And Significant Accounting Policies [Line Items]

Ownership percentage held by third parties

58.90%

DDFS LLC

Basis Of Presentation And Significant Accounting Policies [Line Items]

Ownership percentage held by third parties

9.80%

Public Shareholders

Basis Of Presentation And Significant Accounting Policies [Line Items]

Ownership percentage held by third parties

31.20%

Other Related Parties

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

LIBOR

Basis Of Presentation And Significant Accounting Policies [Line Items]

Call transaction, basis spread on variable rate

1.00%

Estimated Fair Value | Nonperforming Financial Instruments | Retail Installment Contracts | Consumer Portfolio Segment

Basis Of Presentation And Significant Accounting Policies [Line Items]

Financing receivable

$ 6,770,000

0

Corrections

Basis Of Presentation And Significant Accounting Policies [Line Items]

Credit loss allowance

$ 56,508,000

$ 122,374,000

$ 82,692,000

$ 110,462,000

$ (12,198,000)

$ 223,778,000

$ 256,356,000

$ 216,248,000

$ 101,901,000

Scenario, Forecast

Basis Of Presentation And Significant Accounting Policies [Line Items]

Goodwill, impairment expense

$ 74,056,000

Long-lived intangible assets, impairment expense

$ 38,300,000

Description of Business, Basi50

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Error Correction (Details) $ / shares in Units, $ in Thousands	3 Months Ended									12 Months Ended
	Dec. 31, 2015USD ($)$ / shares	Sep. 30, 2015USD ($)$ / shares	Jun. 30, 2015USD ($)$ / shares	Mar. 31, 2015USD ($)$ / shares	Dec. 31, 2014USD ($)$ / shares		Sep. 30, 2014USD ($)$ / shares	Jun. 30, 2014USD ($)$ / shares	Mar. 31, 2014USD ($)$ / shares	Dec. 31, 2015USD ($)contract$ / shares	Dec. 31, 2014USD ($)contract$ / shares		Dec. 31, 2013USD ($)contract$ / shares		Dec. 31, 2012USD ($)
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for investment, net	$ 23,479,680	$ 23,546,722	$ 24,888,773	$ 24,638,174	$ 23,972,059	[1]	$ 23,025,907	$ 23,019,788	$ 22,412,166	$ 23,479,680	$ 23,972,059	[1]
Deferred tax asset	0				19,080	[1]				0	19,080	[1]
Total assets	36,570,373	36,071,025	36,146,294	34,653,809	32,396,520	[1]	30,781,981	29,894,566	28,933,031	36,570,373	32,396,520	[1]
Deferred tax liabilities, net	908,252				511,324	[1]				908,252	511,324	[1]
Total liabilities	32,145,410				28,802,848	[1]				32,145,410	28,802,848	[1]
Retained earnings	2,853,403				2,026,110	[1]				2,853,403	2,026,110	[1]
Total stockholders’ equity	4,424,963	4,412,705	4,314,588	3,842,836	3,593,672	[1]	3,443,902	3,264,428	3,044,816	4,424,963	3,593,672	[1]
Total liabilities and equity	36,570,373				32,396,520	[1]				36,570,373	32,396,520	[1]
Leased vehicle income										1,037,793	660,493	[1]	$ 113,891	[1]
Total finance and other interest income	1,655,120	1,611,200	1,571,840	1,468,959	1,366,934		1,362,053	1,324,634	1,246,787	6,307,119	5,300,408	[1]	3,892,973	[1]
Leased vehicle expense										721,890	470,984	[1]	80,493	[1]
Provision for credit losses	902,526	771,910	616,075	674,687	726,794		802,267	549,028	604,720	2,965,198	2,682,809	[1]	1,832,494	[1]
Depreciation and amortization										833,071	555,745	[1]	147,875
Accretion of discount, net of amortization of capitalized origination costs										(632,402)	(597,928)	[1]	(430,093)
Net finance and other interest income after provision for credit losses										1,991,240	1,623,412	[1]	1,571,199	[1]
Net finance and other interest income after provision for credit losses and profit sharing										1,933,756	1,548,487	[1]	1,492,953	[1]
Income before income taxes	28,765	325,236	569,354	361,970	241,321		249,188	430,232	223,381	1,285,325	1,144,122	[1]	1,105,561	[1]
Income tax expense										458,032	419,885	[1]	396,771	[1]
Net income	$ 12,138	$ 206,626	$ 362,247	$ 246,282	$ 141,667		$ 169,888	$ 271,853	$ 140,829	827,293	724,237	[1]	708,790	[1]
Net income attributable to Santander Consumer USA Holdings Inc. shareholders										827,293	724,237	[1]	710,611	[1]
Comprehensive income										825,865	730,643	[1]	715,101	[1]
Comprehensive income attributable to Santander Consumer USA Holdings Inc. shareholders										$ 825,865	$ 730,643	[1]	$ 716,054	[1]
Net income per common share (basic) (in usd per share) | $ / shares	$ 0.03	$ 0.58	$ 1.02	$ 0.70	$ 0.41		$ 0.49	$ 0.78	$ 0.40	$ 2.33	$ 2.08	[1]	$ 2.05	[1]
Net income per common share (diluted) (in usd per share) | $ / shares	$ 0.03	$ 0.57	$ 1.01	$ 0.69	$ 0.40		$ 0.48	$ 0.76	$ 0.40	$ 2.31	$ 2.04	[1]	$ 2.05	[1]
Stockholders' equity	$ 4,424,963				$ 3,593,672					$ 4,424,963	$ 3,593,672		$ 2,764,267		$ 2,303,781
Deferred tax expense										415,660	650,340	[1]	298,616	[1]
Retail Installment Contracts
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Outstanding recorded investment	4,667,380				4,100,390					4,667,380	4,100,390
Impairment	(1,356,092)				(1,159,827)					(1,356,092)	(1,159,827)
Outstanding recorded investment, net of impairment	3,311,288				2,940,563					3,311,288	2,940,563
Principal, 31-60 days past due	942,021				912,555					942,021	912,555
Delinquent principal over 60 days	510,015				468,272					510,015	468,272
Total delinquent TDR principal	1,452,036				1,380,827					1,452,036	1,380,827
Average outstanding recorded investment in TDRs										4,424,676	3,196,102		2,143,226
Interest income recognized										716,054	509,004		343,886
Outstanding recorded investment before TDR										3,482,114	2,921,186		1,745,909
Outstanding recorded investment after TDR										$ 3,514,289	$ 2,956,762		$ 1,769,357
Number of contracts | contract										198,325	171,167		110,506
Recorded investment in TDRs that subsequently defaulted										$ 805,091	$ 526,867		$ 330,641
Number of contracts (not in thousands) | contract										45,840	32,221		21,862
As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for investment, net		$ 23,464,030	$ 24,778,311	$ 24,650,372	23,915,551		$ 22,802,129	$ 22,763,432	$ 22,195,918		$ 23,915,551
Deferred tax asset					21,244						21,244
Total assets		35,991,228	36,039,919	34,665,571	32,342,176		30,641,292	29,732,396	28,796,233		32,342,176
Deferred tax liabilities, net					492,303						492,303
Total liabilities					28,783,827						28,783,827
Retained earnings					1,990,787						1,990,787
Total stockholders’ equity		4,360,841	4,245,450	3,850,481	3,558,349		3,303,213	3,102,258	2,908,018		3,558,349
Total liabilities and equity					32,342,176						32,342,176
Leased vehicle income											929,745		$ 154,939
Total finance and other interest income		1,733,526	1,683,120	1,570,289	1,455,210		1,443,488	1,383,260	1,287,702		5,569,660		3,934,021
Leased vehicle expense											740,236		121,541
Provision for credit losses		744,140	738,735	605,981	559,524		769,689	589,136	698,594		2,616,943		1,852,967
Depreciation and amortization											824,997		188,923
Accretion of discount, net of amortization of capitalized origination costs											(867,180)		(471,141)
Net finance and other interest income after provision for credit losses											1,689,278		1,550,726
Net finance and other interest income after provision for credit losses and profit sharing											1,614,353		1,472,480
Income before income taxes		353,006	446,694	430,676	408,591		281,766	390,124	129,507		1,209,988		1,085,088
Income tax expense											443,639		389,418
Net income		$ 223,900	$ 285,464	$ 289,250	$ 247,033		$ 191,369	$ 246,481	$ 81,466		766,349		695,670
Net income attributable to Santander Consumer USA Holdings Inc. shareholders													697,491
Comprehensive income											$ 772,755		701,981
Comprehensive income attributable to Santander Consumer USA Holdings Inc. shareholders													$ 702,934
Net income per common share (basic) (in usd per share) | $ / shares		$ 0.63	$ 0.80	$ 0.83	$ 0.71		$ 0.55	$ 0.71	$ 0.23		$ 2.20		$ 2.01
Net income per common share (diluted) (in usd per share) | $ / shares		$ 0.62	$ 0.79	$ 0.81	$ 0.69		$ 0.54	$ 0.69	$ 0.23		$ 2.15		$ 2.01
Stockholders' equity					$ 3,558,349						$ 3,558,349		$ 2,686,832		2,239,466
Deferred tax expense											674,094		291,263
As Reported | Retail Installment Contracts
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Outstanding recorded investment					4,207,037						4,207,037
Impairment					(797,240)						(797,240)
Outstanding recorded investment, net of impairment					3,409,797						3,409,797
Principal, 31-60 days past due					929,095						929,095
Delinquent principal over 60 days					515,235						515,235
Total delinquent TDR principal					1,444,330						1,444,330
Average outstanding recorded investment in TDRs											3,289,520		2,466,122
Interest income recognized											481,843		322,965
Outstanding recorded investment before TDR											3,042,731		1,755,241
Outstanding recorded investment after TDR											$ 3,039,419		$ 1,747,837
Number of contracts | contract											184,640		116,846
Recorded investment in TDRs that subsequently defaulted											$ 419,032		$ 79,714
Number of contracts (not in thousands) | contract											36,843		6,383
Corrections
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for investment, net		$ 82,692	$ 110,462	$ (12,198)	56,508		$ 223,778	$ 256,356	$ 216,248		$ 56,508
Deferred tax asset					(2,164)						(2,164)
Total assets		79,797	106,375	(11,762)	54,344		140,689	162,170	136,798		54,344
Deferred tax liabilities, net					19,021						19,021
Total liabilities					19,021						19,021
Retained earnings					35,323						35,323
Total stockholders’ equity		51,864	69,138	(7,645)	35,323		140,689	162,170	136,798		35,323
Total liabilities and equity					54,344						54,344
Leased vehicle income											(269,252)		$ (41,048)
Total finance and other interest income		(122,326)	(111,280)	(101,330)	(88,276)		(81,435)	(58,626)	(40,915)		(269,252)		(41,048)
Leased vehicle expense											(269,252)		(41,048)
Provision for credit losses		27,770	(122,660)	68,706	167,270		32,578	(40,108)	(93,874)		65,866		(20,473)
Depreciation and amortization											(269,252)		(41,048)
Accretion of discount, net of amortization of capitalized origination costs											269,252		41,048
Net finance and other interest income after provision for credit losses											(65,866)		20,473
Net finance and other interest income after provision for credit losses and profit sharing											(65,866)		20,473
Income before income taxes		(27,770)	122,660	(68,706)	(167,270)		(32,578)	40,108	93,874		(65,866)		20,473
Income tax expense											(23,754)		7,353
Net income		$ (17,274)	$ 76,783	$ (42,968)	$ (105,366)		$ (21,481)	$ 25,372	$ 59,363		(42,112)		13,120
Net income attributable to Santander Consumer USA Holdings Inc. shareholders													13,120
Comprehensive income											$ (42,112)		13,120
Comprehensive income attributable to Santander Consumer USA Holdings Inc. shareholders													$ 13,120
Net income per common share (basic) (in usd per share) | $ / shares		$ (0.05)	$ 0.22	$ (0.13)	$ (0.30)		$ (0.06)	$ 0.07	$ 0.17		$ (0.12)		$ 0.04
Net income per common share (diluted) (in usd per share) | $ / shares		$ (0.05)	$ 0.22	$ (0.12)	$ (0.29)		$ (0.06)	$ 0.07	$ 0.17		$ (0.11)		$ 0.04
Stockholders' equity					$ 35,323						$ 35,323		$ 77,435		64,315
Deferred tax expense											(23,754)		7,353
Corrections | Retail Installment Contracts
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Outstanding recorded investment					(106,647)						(106,647)
Impairment					(362,587)						(362,587)
Outstanding recorded investment, net of impairment					(469,234)						(469,234)
Principal, 31-60 days past due					(16,540)						(16,540)
Delinquent principal over 60 days					(46,963)						(46,963)
Total delinquent TDR principal					(63,503)						(63,503)
Average outstanding recorded investment in TDRs											(93,418)		(322,896)
Interest income recognized											27,161		20,921
Outstanding recorded investment before TDR											(121,545)		(9,332)
Outstanding recorded investment after TDR											$ (82,657)		$ 21,520
Number of contracts | contract											(13,473)		(6,340)
Recorded investment in TDRs that subsequently defaulted											$ 107,835		$ 250,927
Number of contracts (not in thousands) | contract											(4,622)		15,479
Retained Earnings
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net income										$ 827,293	$ 724,237		$ 710,611
Stockholders' equity	$ 2,853,403				2,026,110					$ 2,853,403	2,026,110		1,354,189		933,979
Retained Earnings | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net income											766,349		697,491
Stockholders' equity					1,990,787						1,990,787		1,276,754		869,664
Retained Earnings | Corrections
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net income											(42,112)		13,120
Stockholders' equity					$ 35,323						$ 35,323		$ 77,435		$ 64,315
[1]	As Restated - Note 1

Finance Receivables - Narrative

Finance Receivables - Narrative (Details) - USD ($)	1 Months Ended	9 Months Ended	12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Dec. 31, 2015	Dec. 31, 2014
Schedule Of Financing Receivables [Line Items]
Decrease in provision for credit losses			$ 112,804,000
Lower of cost or market adjustment			109,017,000
Utilized Balance	$ 6,902,779,000		$ 6,902,779,000	$ 6,402,327,000	[1]
Texas
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for investment	17.00%		17.00%
Florida
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for investment	13.00%		13.00%
California
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for investment	10.00%		10.00%
Percentage of remaining receivable from dealers held for investment	24.00%		24.00%
Georgia
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for investment	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%
Mississippi
Schedule Of Financing Receivables [Line Items]
Percentage of remaining receivable from dealers held for investment	9.00%		9.00%
Missouri
Schedule Of Financing Receivables [Line Items]
Percentage of remaining receivable from dealers held for investment	7.00%		7.00%
Other States (less than 5%)
Schedule Of Financing Receivables [Line Items]
Retail installment contracts held for investment	5.00%		5.00%
Percentage of remaining receivable from dealers held for investment	5.00%		5.00%
Personal Loans
Schedule Of Financing Receivables [Line Items]
Decrease in provision for credit losses		$ 13,999,000
Fleet Contract Receivables
Schedule Of Financing Receivables [Line Items]
Impaired receivable, unpaid principal balance	$ 1,087,024,000		$ 1,087,024,000	816,100,000
Receivables from Dealers
Schedule Of Financing Receivables [Line Items]
Committed Amount	50,000,000		50,000,000	50,000,000
Utilized Balance	50,000,000		50,000,000	$ 50,000,000
Retail Installment Contracts | Consumer Portfolio Segment
Schedule Of Financing Receivables [Line Items]
Retail installment contracts, securitized	95,596,000		95,596,000
Nonperforming Financial Instruments | Personal Loans | Consumer Portfolio Segment
Schedule Of Financing Receivables [Line Items]
Impaired receivable, unpaid principal balance	18,807,000		18,807,000
Lower of cost or market adjustment	17,866,000
Finance receivables held for investment, recorded investment	$ 941,000		$ 941,000
[1]	As Restated - Note 1

Finance Receivables - Summary o

Finance Receivables - Summary of Finance Receivables Held for Investment (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014		Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Purchased receivables	$ 244,362				$ 683,859
Capital lease receivables	47,206				81,839
Finance receivables held for investment, net	23,479,680	$ 23,546,722	$ 24,888,773	$ 24,638,174	23,972,059	[1]	$ 23,025,907	$ 23,019,788	$ 22,412,166
Retail Installment Contracts Acquired Individually
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	23,111,146				21,327,094
Receivables from Dealers
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	76,025				99,490
Personal Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	941				1,779,777
Unpaid principal balance | Retail Installment Contracts Acquired Individually
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	26,863,946				24,555,106
Unpaid principal balance | Receivables from Dealers
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	76,941				100,164
Unpaid principal balance | Personal Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	941				2,128,769
Credit loss allowance | Retail Installment Contracts Acquired Individually
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	(3,296,023)				(2,669,830)
Credit loss allowance | Receivables from Dealers
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	(916)				(674)
Credit loss allowance | Personal Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	0				(348,660)
Discount | Retail Installment Contracts Acquired Individually
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	(502,342)				(597,862)
Discount | Receivables from Dealers
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	0				0
Discount | Personal Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	0				(1,356)
Capitalized origination costs and fees | Retail Installment Contracts Acquired Individually
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	45,565				39,680
Capitalized origination costs and fees | Receivables from Dealers
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	0				0
Capitalized origination costs and fees | Personal Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	$ 0				$ 1,024
[1]	As Restated - Note 1

Finance Receivables - Finance R

Finance Receivables - Finance Receivables Held for Investment with Deteriorated Credit Quality (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Receivables [Abstract]
Unpaid principal balance	$ 359,822	$ 846,355
Outstanding recorded investment	419,183	873,134
Less: Impairment	(174,821)	(189,275)
Outstanding recorded investment, net of impairment	$ 244,362	$ 683,859

Finance Receivables - Carrying

Finance Receivables - Carrying Value of Financing Receivables Held For Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for sale	$ 2,868,603	$ 46,585
Retail Installment Contracts Acquired Individually
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for sale	905,710	45,424
Receivables From Dealers
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for sale	0	1,161
Personal Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for sale	$ 1,962,893	$ 0

Finance Receivables - Sales of

Finance Receivables - Sales of Retail Installment Contracts and Charged-off Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Receivables [Abstract]
Sales of retail installment contracts to third parties	$ 7,862,520	$ 6,620,620	$ 2,505,442
Proceeds from sales of charged-off assets	$ 122,436	$ 26,674	$ 121,868

Finance Receivables - Servicing

Finance Receivables - Servicing of Retail Installment Contracts (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Receivables [Abstract]
Serviced balance of retail installment contracts sold to third parties	$ 12,155,844	$ 7,372,884

Finance Receivables - Changes i

Finance Receivables - Changes in Accretable Yield on Purchased Receivables Portfolios (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Balance — beginning of year	$ 264,416	$ 403,400	$ 816,854
Accretion of accretable yield	(89,133)	(194,996)	(493,778)
Reclassifications from nonaccretable difference	18,281	56,012	80,324
Balance — end of year	$ 193,564	$ 264,416	$ 403,400

Leases - Summary of Leased Vehi

Leases - Summary of Leased Vehicles (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Property Subject To Or Available For Operating Lease [Line Items]
Leased vehicles	$ 8,862,214	$ 6,309,096
Less: accumulated depreciation	(1,517,198)	(804,629)
Depreciated net capitalized cost	7,345,016	5,504,467
Manufacturer subvention payments, net of accretion	(845,142)	(645,874)
Origination fees and other costs	16,156	4,190
Net book value	6,516,030	4,862,783	[1]
Accretion of lease subvention payments	465,093	$ 269,252
Chrysler Group
Property Subject To Or Available For Operating Lease [Line Items]
Aggregate depreciated net capitalized cost of leases sold	1,316,958
Net book value of leases sold	1,155,171
Taxable gains deferred	784,365
Gain on sale of leases	$ 327
[1]	As Restated - Note 1

Leases - Future Minimum Rental

Leases - Future Minimum Rental Payments Due to Lessor under Operating Leases (Details) $ in Thousands	Dec. 31, 2015USD ($)
Operating Leases, Future Minimum Payments Receivable [Abstract]
2,016	$ 1,140,744
2,017	760,665
2,018	274,319
2,019	8,279
2,020	0
Thereafter	0
Total	$ 2,184,007

Leases - Summary of Capital Lea

Leases - Summary of Capital Lease Receivables (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Leases [Abstract]
Gross investment in capital leases		$ 137,543
Origination fees and other		78
Less unearned income		(46,193)
Net investment in capital leases before allowance	$ 67,084	91,428
Less: allowance for lease losses	(19,878)	(9,589)
Net investment in capital leases	$ 47,206	$ 81,839

Leases - Future Minimum Renta61

Leases - Future Minimum Rental Receivable under Capital Leases (Details) $ in Thousands	Dec. 31, 2015USD ($)
Capital Leases, Future Minimum Payments Receivable [Abstract]
2,016	$ 27,393
2,017	27,318
2,018	26,075
2,019	9,795
2,020	812
Thereafter	0
Total	$ 91,393

Credit Loss Allowance and Cre62

Credit Loss Allowance and Credit Quality - Activity in Credit Loss Allowance (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	$ 3,028,753
Balance — end of year	3,316,817	$ 3,028,753
Retail Installment Contracts Acquired Individually
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lower of cost or market adjustment	73,388
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	2,669,830	2,010,260	$ 1,453,461
Provision for credit losses	2,612,944	2,276,921	1,630,943
Charge-offs	(4,061,343)	(3,341,047)	(2,094,149)
Recoveries	2,101,709	1,723,696	1,020,005
Impact of loans transferred to held for sale	(27,117)
Balance — end of year	3,296,023	2,669,830	2,010,260
Receivables from Dealers Held for Investment
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	674	1,090	0
Provision for credit losses	242	(416)	1,090
Charge-offs	0	0	0
Recoveries	0	0	0
Impact of loans transferred to held for sale	0
Balance — end of year	916	674	1,090
Personal Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lower of cost or market adjustment	377,598
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	348,660	179,350	0
Provision for credit losses	324,634	434,030	192,745
Charge-offs	(695,918)	(286,331)	(13,413)
Recoveries	22,624	21,611	18
Impact of loans transferred to held for sale	0
Balance — end of year	0	348,660	179,350
Finance Leases Portfolio Segment
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	9,589	0
Provision for credit losses	41,196	9,991
Charge-offs	(64,209)	(804)
Recoveries	33,302	402
Balance — end of year	19,878	9,589	0
As Reported
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	3,085,261
Balance — end of year		3,085,261
As Reported | Retail Installment Contracts Acquired Individually
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year			1,555,362
As Reported | Receivables from Dealers Held for Investment
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year			0
As Reported | Personal Loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year			0
Corrections
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	$ (56,508)	(122,374)	(101,901)
Balance — end of year		$ (56,508)	(122,374)
Corrections | Retail Installment Contracts Acquired Individually
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year			(101,901)
Corrections | Receivables from Dealers Held for Investment
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year			0
Corrections | Personal Loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year			$ 0

Credit Loss Allowance and Cre63

Credit Loss Allowance and Credit Quality - Impairment Activity Related to Purchased Receivables Portfolios (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	$ 3,028,753
Balance — end of year	3,316,817	$ 3,028,753
Purchased Receivables Portfolios
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	188,639	226,356	$ 218,640
Incremental provisions for purchased receivables portfolios	475	3,568	313,021
Incremental reversal of provisions for purchased receivables portfolios	(14,293)	(41,285)	(305,305)
Balance — end of year	174,821	188,639	226,356
Finance Leases Portfolio Segment
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	9,589	0
Provision for credit losses	41,196	9,991
Charge-offs	(64,209)	(804)
Recoveries	33,302	402
Balance — end of year	$ 19,878	$ 9,589	$ 0

Credit Loss Allowance and Cre64

Credit Loss Allowance and Credit Quality - Delinquencies (Details)	12 Months Ended
	Dec. 31, 2015USD ($)trade_line	Dec. 31, 2014USD ($)
Financing Receivable Recorded Investment Past Due [Line Items]
Principal, 31-60 days past due	$ 2,485,428,000	$ 2,450,837,000
Delinquent principal over 60 days	1,208,864,000	1,103,053,000
Total delinquent principal	3,694,292,000	3,553,890,000
Loans Acquired Individually
Financing Receivable Recorded Investment Past Due [Line Items]
Principal, 31-60 days past due	2,454,986,000	2,319,203,000
Delinquent principal over 60 days	1,191,567,000	1,030,580,000
Total delinquent principal	3,646,553,000	3,349,783,000
Purchased Receivables Portfolios
Financing Receivable Recorded Investment Past Due [Line Items]
Principal, 31-60 days past due	30,442,000	131,634,000
Delinquent principal over 60 days	17,297,000	72,473,000
Total delinquent principal	47,739,000	204,107,000
Personal Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Principal, 31-60 days past due		52,452,000
Delinquent principal over 60 days		138,400,000
Total delinquent principal		190,852,000
Allowance for credit losses, increase	$ 0
Receivables From Dealers
Financing Receivable Recorded Investment Past Due [Line Items]
Financing receivable, nonperforming loans, period for classification	90 days
Financing receivable, recorded investment, past due	$ 0	0
Financing receivable	76,941,000	100,164,000
Allowance for credit losses, increase	$ 0
Retail Installment Contracts
Financing Receivable Recorded Investment Past Due [Line Items]
Financing receivable, nonperforming loans, period for classification	60 days
Retail Installment Contracts Held for Sale
Financing Receivable Recorded Investment Past Due [Line Items]
Financing receivable, recorded investment, past due	$ 0	0
Unfunded Loan Commitment | Consumer Portfolio Segment | Receivables From Dealers
Financing Receivable Recorded Investment Past Due [Line Items]
Financing receivable	$ 26,941,000
Unfunded Loan Commitment | Consumer Portfolio Segment | Limited Bureau Attributes
Financing Receivable Recorded Investment Past Due [Line Items]
Financing receivable, credit history	36 months
Financing receivable, number of trade lines on credit report | trade_line	4
Financing receivable	$ 3,790,221,000	2,197,537,000
Allowance for credit losses, increase	$ 157,822,000
Allowance for credit losses, ratio to unpaid principal balance, increase	0.60%
Unpaid principal balance | Unfunded Loan Commitment | Consumer Portfolio Segment | Personal Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Financing receivable, recorded investment, 90 days past due and still accruing	$ 110,972,000	$ 90,186,000

Credit Loss Allowance and Cre65

Credit Loss Allowance and Credit Quality - Credit Risk Profile (Details) - Consumer Portfolio Segment	Dec. 31, 2015	Dec. 31, 2014
Retail Installment Contracts Held for Investment | No FICO Score
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total	16.20%	11.60%
Retail Installment Contracts Held for Investment | FICO Band 540
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total	23.40%	23.40%
Retail Installment Contracts Held for Investment | FICO Band 540-599
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total	30.90%	28.80%
Retail Installment Contracts Held for Investment | FICO Band 600-639
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total	17.30%	18.10%
Retail Installment Contracts Held for Investment | FICO Band 640
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total	12.20%	18.10%
Personal Loans | No FICO Score
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total		0.00%
Personal Loans | FICO Band 540
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total		3.30%
Personal Loans | FICO Band 540-599
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total		20.10%
Personal Loans | FICO Band 600-639
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total		21.40%
Personal Loans | FICO Band 640
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total		55.20%

Credit Loss Allowance and Cre66

Credit Loss Allowance and Credit Quality - Commercial Loan Credit Quality Indicators for Receivables from Dealers Held for Investment (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fleet Contract Receivables
Financing Receivable Recorded Investment [Line Items]
Unpaid principal balance of fleet contracts with commercial consumers	$ 1,087,024	$ 816,100
Fleet Contract Receivables | Special Mention
Financing Receivable Recorded Investment [Line Items]
Consumer loans without FICO scores	5,466
Receivables From Dealers
Financing Receivable Recorded Investment [Line Items]
Financing receivable	76,941	100,164
Receivables From Dealers | Pass
Financing Receivable Recorded Investment [Line Items]
Financing receivable	68,873	97,903
Receivables From Dealers | Special Mention
Financing Receivable Recorded Investment [Line Items]
Financing receivable	8,068	2,261
Receivables From Dealers | Substandard
Financing Receivable Recorded Investment [Line Items]
Financing receivable	0	0
Receivables From Dealers | Doubtful
Financing Receivable Recorded Investment [Line Items]
Financing receivable	0	0
Receivables From Dealers | Loss
Financing Receivable Recorded Investment [Line Items]
Financing receivable	$ 0	$ 0

Credit Loss Allowance and Cre67

Credit Loss Allowance and Credit Quality - Troubled Debt Restructurings (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable Modifications [Line Items]
TDRs, deferral period (or more)	90 days
Retail Installment Contracts Acquired Individually
Financing Receivable Modifications [Line Items]
TDRs, deferral period (or more)	90 days
Receivables From Dealers
Financing Receivable Modifications [Line Items]
Total TDR principal		$ 0
Retail Installment Contracts
Financing Receivable Modifications [Line Items]
Outstanding recorded investment	$ 4,667,380,000	4,100,390,000
Impairment	(1,356,092,000)	(1,159,827,000)
Outstanding recorded investment, net of impairment	$ 3,311,288,000	2,940,563,000
Personal Loans
Financing Receivable Modifications [Line Items]
Outstanding recorded investment		17,356,000
Impairment		(6,939,000)
Outstanding recorded investment, net of impairment		$ 10,417,000

Credit Loss Allowance and Cre68

Credit Loss Allowance and Credit Quality - Delinquent TDRs (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Retail Installment Contracts
Troubled Debt Restructuring Debtor Current Period [Line Items]
Principal, 31-60 days past due	$ 942,021	$ 912,555
Delinquent principal over 60 days	510,015	468,272
Total delinquent TDR principal	$ 1,452,036	1,380,827
Personal Loans
Troubled Debt Restructuring Debtor Current Period [Line Items]
Principal, 31-60 days past due		1,595
Delinquent principal over 60 days		5,131
Total delinquent TDR principal		$ 6,726

Credit Loss Allowance and Cre69

Credit Loss Allowance and Credit Quality - Average Recorded Investment and Income Recognized on TDR Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable Modifications [Line Items]
TDRs, number of days past due	60 days
Retail Installment Contracts
Financing Receivable Modifications [Line Items]
Average outstanding recorded investment in TDRs	$ 4,424,676	$ 3,196,102	$ 2,143,226
Interest income recognized	716,054	509,004	343,886
Personal Loans
Financing Receivable Modifications [Line Items]
Average outstanding recorded investment in TDRs	17,150	14,061	3,260
Interest income recognized	$ 2,220	$ 1,679	$ 269

Credit Loss Allowance and Cre70

Credit Loss Allowance and Credit Quality - Financial Effects of TDRs (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)contract	Dec. 31, 2014USD ($)contract	Dec. 31, 2013USD ($)contract
Retail Installment Contracts
Financing Receivable Modifications [Line Items]
Outstanding recorded investment before TDR	$ 3,482,114	$ 2,921,186	$ 1,745,909
Outstanding recorded investment after TDR	$ 3,514,289	$ 2,956,762	$ 1,769,357
Number of contracts | contract	198,325	171,167	110,506
Personal Loans
Financing Receivable Modifications [Line Items]
Outstanding recorded investment before TDR	$ 15,418	$ 18,443	$ 9,408
Outstanding recorded investment after TDR	$ 15,340	$ 18,359	$ 9,264
Number of contracts | contract	12,501	16,614	13,196

Credit Loss Allowance and Cre71

Credit Loss Allowance and Credit Quality - Defaults in Loan Modifications Accounted as TDRs (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)contract	Dec. 31, 2014USD ($)contract	Dec. 31, 2013USD ($)contract
Retail Installment Contracts
Financing Receivable Modifications [Line Items]
TDRs, number of days past due considered subsequently defaulted	120 days
Recorded investment in TDRs that subsequently defaulted | $	$ 805,091	$ 526,867	$ 330,641
Number of contracts (not in thousands) | contract	45,840	32,221	21,862
Personal Loans
Financing Receivable Modifications [Line Items]
TDRs, number of days past due considered subsequently defaulted	180 days
Recorded investment in TDRs that subsequently defaulted | $	$ 5,346	$ 3,437
Number of contracts (not in thousands) | contract	4,919	3,401

Goodwill and Intangibles - Narr

Goodwill and Intangibles - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014		Dec. 31, 2013
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	$ 74,056	$ 74,056	[1]	$ 74,056
Goodwill amortization	5,463	5,463		5,463
Amortization expense	$ 6,742	$ 6,902		$ 4,509
Weighted average useful life of amortizing intangible assets	2 years 10 months 24 days	3 years 1 month 6 days		3 years 6 months
[1]	As Restated - Note 1

Goodwill and Intangibles - Comp

Goodwill and Intangibles - Components of Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Acquired Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount, Total	$ 81,738	$ 75,672
Accumulated Amortization	(28,422)	(21,990)	[1]
Net Carrying Value, Total	53,316	53,682	[1]
Trademarks
Acquired Indefinite-lived Intangible Assets [Line Items]
Intangible assets not subject to amortization - trademarks	$ 38,300	$ 38,300
Customer relationships
Acquired Finite-Lived Intangible Assets [Line Items]
Useful Life	10 years	10 years
Gross Carrying Amount	$ 12,400	$ 12,400
Accumulated Amortization	(9,403)	(8,163)
Net Carrying Value	$ 2,997	$ 4,237
Software and technology
Acquired Finite-Lived Intangible Assets [Line Items]
Useful Life	3 years	3 years
Gross Carrying Amount	$ 28,691	$ 22,625
Accumulated Amortization	(16,672)	(11,480)
Net Carrying Value	$ 12,019	$ 11,145
Trademarks
Acquired Finite-Lived Intangible Assets [Line Items]
Useful Life	3 years	3 years
Gross Carrying Amount	$ 2,347	$ 2,347
Accumulated Amortization	(2,347)	(2,347)
Net Carrying Value	$ 0	$ 0
[1]	As Restated - Note 1

Goodwill and Intangibles - Sche

Goodwill and Intangibles - Schedule of Estimated Future Amortization Expense (Details) $ in Thousands	Dec. 31, 2015USD ($)
Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]
2,016	$ 7,175
2,017	5,122
2,018	2,719
2,019	0
2020 and thereafter	0
Estimated future amortization expense	$ 15,016

Debt - Narrative (Details)

Debt - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Mar. 06, 2014
Debt Instrument [Line Items]
Private issuance notes secured with vehicle lease	$ 3,228,240,000	$ 1,959,033,000
Interest expense on secured structured financing	291,247,000	$ 238,394,000	$ 233,564,000
Total facilities with Santander and related subsidiaries
Debt Instrument [Line Items]
Committed Amount	$ 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
Current maturity date	Dec. 31, 2016
Total facilities with Santander and related subsidiaries | Maturity Year Two
Debt Instrument [Line Items]
Debt term	5 years
Current maturity date	Dec. 31, 2018

Debt - Schedule of Credit Facil

Debt - Schedule of Credit Facilities (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014		Mar. 04, 2016
Line Of Credit Facility [Line Items]
Utilized Balance	$ 6,902,779,000	$ 6,402,327,000	[1]
Unsecured Debt
Line Of Credit Facility [Line Items]
Utilized Balance	1,420,584,000	2,152,625,000
Total revolving credit facilities
Line Of Credit Facility [Line Items]
Utilized Balance	9,502,779,000	10,092,327,000
Committed Amount	15,025,904,000	16,643,137,000
Assets Pledged	8,063,878,000	6,968,449,000
Restricted Cash Pledged	178,847,000	197,854,000
Total facilities with third parties
Line Of Credit Facility [Line Items]
Utilized Balance	6,902,779,000	6,402,327,000
Committed Amount	10,225,904,000	11,843,137,000
Assets Pledged	8,063,878,000	6,957,408,000
Restricted Cash Pledged	178,847,000	197,854,000
Warehouse Line, due June 2015
Line Of Credit Facility [Line Items]
Utilized Balance		243,736,000
Committed Amount		$ 500,000,000
Effective Rate		1.17%
Assets Pledged		$ 344,822,000
Restricted Cash Pledged		$ 0
Debt instrument maturity, year and month		2015-06
Warehouse Line, due June 2016
Line Of Credit Facility [Line Items]
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
Debt instrument maturity, year and month		2016-06
Warehouse Line, due June 2016
Line Of Credit Facility [Line Items]
Utilized Balance	378,301,000
Committed Amount	$ 500,000,000
Effective Rate	1.48%
Assets Pledged	$ 535,737,000
Restricted Cash Pledged	$ 0
Debt instrument maturity, year and month	2016-06
Warehouse Line, due Various
Line Of Credit Facility [Line Items]
Utilized Balance	$ 808,135,000	$ 397,452,000
Committed Amount	$ 1,250,000,000	$ 1,244,318,000
Effective Rate	1.29%	1.26%
Assets Pledged	$ 1,137,257,000	$ 589,529,000
Restricted Cash Pledged	$ 24,942,000	$ 20,661,000
Debt instrument maturity, date	Various	Various
Warehouse Line, due July 2017
Line Of Credit Facility [Line Items]
Utilized Balance	$ 682,720,000
Committed Amount	$ 1,260,000,000
Effective Rate	1.35%
Assets Pledged	$ 809,185,000
Restricted Cash Pledged	$ 20,852,000
Debt instrument maturity, year and month	2017-07
Warehouse Line, due July 2017
Line Of Credit Facility [Line Items]
Utilized Balance	$ 2,247,443,000
Committed Amount	$ 2,940,000,000
Effective Rate	1.41%
Assets Pledged	$ 3,412,321,000
Restricted Cash Pledged	$ 48,589,000
Debt instrument maturity, year and month	2017-07
Warehouse Line, due December 2017
Line Of Credit Facility [Line Items]
Utilized Balance	$ 944,877,000
Committed Amount	$ 2,000,000,000
Effective Rate	1.56%
Assets Pledged	$ 1,345,051,000
Restricted Cash Pledged	$ 32,038,000
Debt instrument maturity, year and month	2017-12
Repurchase Facilities
Line Of Credit Facility [Line Items]
Utilized Balance	$ 850,904,000	$ 923,225,000
Committed Amount	$ 850,904,000	$ 923,225,000
Effective Rate	2.07%	1.63%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	$ 34,166,000	$ 34,184,000
Debt instrument maturity, year and month	2016-12
Debt instrument maturity, date		Various
Warehouse Line, due September 2017
Line Of Credit Facility [Line Items]
Utilized Balance	$ 565,399,000
Committed Amount	$ 1,000,000,000
Effective Rate	1.20%
Assets Pledged	$ 824,327,000
Restricted Cash Pledged	$ 15,759,000
Debt instrument maturity, year and month	2017-09
Warehouse Line, due June 2016
Line Of Credit Facility [Line Items]
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
Debt instrument maturity, year and month		2016-06
Warehouse Line, due July 2015
Line Of Credit Facility [Line Items]
Utilized Balance		$ 0
Committed Amount		$ 500,000,000
Effective Rate		0.00%
Assets Pledged		$ 0
Restricted Cash Pledged		$ 0
Debt instrument maturity, year and month		2015-07
Warehouse Line, due September 2015
Line Of Credit Facility [Line Items]
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
Debt instrument maturity, year and month		2015-09
Warehouse Line, due December 2015
Line Of Credit Facility [Line Items]
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
Debt instrument maturity, year and month		2015-12
Warehouse Line, due November 2016
Line Of Credit Facility [Line Items]
Utilized Balance	$ 175,000,000	$ 175,000,000
Committed Amount	$ 175,000,000	$ 175,000,000
Effective Rate	1.90%	1.71%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	$ 0	$ 0
Debt instrument maturity, year and month	2016-11	2016-11
Warehouse Line, due October 2016
Line Of Credit Facility [Line Items]
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
Debt instrument maturity, year and month		2016-10
Warehouse Line, due November 2016
Line Of Credit Facility [Line Items]
Utilized Balance	$ 250,000,000	$ 250,000,000
Committed Amount	$ 250,000,000	$ 250,000,000
Effective Rate	1.90%	1.71%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	$ 2,501,000	$ 2,500,000
Debt instrument maturity, year and month	2016-11	2016-11
Warehouse Line, due March 2015
Line Of Credit Facility [Line Items]
Utilized Balance		$ 250,594,000
Committed Amount		$ 250,594,000
Effective Rate		0.98%
Assets Pledged		$ 0
Restricted Cash Pledged		$ 0
Debt instrument maturity, year and month		2015-03
Total facilities with Santander and related subsidiaries
Line Of Credit Facility [Line Items]
Utilized Balance	$ 2,600,000,000	$ 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]
Utilized Balance	500,000,000	500,000,000
Committed Amount	$ 500,000,000	$ 500,000,000
Effective Rate	2.65%	2.46%
Assets Pledged	$ 0	$ 1,340,000
Restricted Cash Pledged	$ 0	$ 0
Debt instrument maturity, year and month	2016-12	2016-12
Line of Credit, due December 2018
Line Of Credit Facility [Line Items]
Utilized Balance	$ 0	$ 0
Committed Amount	$ 500,000,000	500,000,000
Effective Rate	3.48%
Assets Pledged	$ 0	0
Restricted Cash Pledged	$ 0	$ 0
Debt instrument maturity, year and month	2018-12	2018-12
Line of Credit, due December 2016
Line Of Credit Facility [Line Items]
Utilized Balance	$ 1,000,000,000	$ 1,750,000,000
Committed Amount	$ 1,750,000,000	$ 1,750,000,000
Effective Rate	2.61%	2.33%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	$ 0	$ 0
Debt instrument maturity, year and month	2016-12	2016-12
Line of Credit, due December 2018
Line Of Credit Facility [Line Items]
Utilized Balance	$ 800,000,000	$ 1,140,000,000
Committed Amount	$ 1,750,000,000	$ 1,750,000,000
Effective Rate	2.84%	2.85%
Assets Pledged	$ 0	$ 9,701,000
Restricted Cash Pledged	$ 0	$ 0
Debt instrument maturity, year and month	2018-12	2018-12
Line of Credit, due March 2017
Line Of Credit Facility [Line Items]
Utilized Balance	$ 300,000,000	$ 300,000,000
Committed Amount	$ 300,000,000	$ 300,000,000
Effective Rate	1.88%	1.71%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	$ 0	$ 0
Debt instrument maturity, year and month	2017-03	2017-03
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
Subsequent Event | Line of Credit, due December 2016
Line Of Credit Facility [Line Items]
Committed Amount				$ 1,000,000,000
Subsequent Event | Line of Credit, due December 2018
Line Of Credit Facility [Line Items]
Committed Amount				1,000,000,000
SHUSA | Subsequent Event | Total revolving credit facilities
Line Of Credit Facility [Line Items]
Committed Amount				$ 1,500,000,000
[1]	As Restated - Note 1

Debt - Summary of Secured Struc

Debt - Summary of Secured Structured Financings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Debt Instrument [Line Items]
Balance	$ 20,872,900	$ 17,718,974	[1]
Initial Note Amounts Issued	6,902,779	6,402,327	[1]
Secured Structured Financings
Debt Instrument [Line Items]
Balance	20,872,900	17,718,974
Initial Note Amounts Issued	36,652,463	35,182,041
Collateral	27,751,419	23,460,239
Restricted Cash	1,700,697	1,465,085
Secured Structured Financings | Public Securitizations
Debt Instrument [Line Items]
Balance	12,659,996	11,437,497
Initial Note Amounts Issued	24,923,292	26,682,930
Collateral	16,256,067	14,345,242
Restricted Cash	$ 1,242,857	$ 1,184,047
Secured Structured Financings | 2010 Securitizations
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)		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 Date(s)		2016-06
Initial Weighted Average Interest Rate		1.21%
Secured Structured Financings | 2011 Securitizations | Maximum
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)		2017-09
Initial Weighted Average Interest Rate		2.80%
Secured Structured Financings | 2012 Securitizations
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)	2018-09
Balance	$ 433,771	$ 2,296,687
Initial Note Amounts Issued	2,525,540	8,023,840
Collateral	580,581	3,006,426
Restricted Cash	$ 84,231	$ 318,373
Secured Structured Financings | 2012 Securitizations | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)		2017-11
Initial Weighted Average Interest Rate	0.92%	0.92%
Secured Structured Financings | 2012 Securitizations | Maximum
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)		2018-12
Initial Weighted Average Interest Rate	1.23%	1.68%
Secured Structured Financings | 2013 Securitizations
Debt Instrument [Line Items]
Balance	$ 2,000,915	$ 3,426,242
Initial Note Amounts Issued	6,689,700	6,689,700
Collateral	2,577,552	4,231,006
Restricted Cash	$ 267,623	$ 320,182
Secured Structured Financings | 2013 Securitizations | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)	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 Date(s)	2021-01	2021-01
Initial Weighted Average Interest Rate	1.59%	1.59%
Secured Structured Financings | 2014 Securitizations
Debt Instrument [Line Items]
Balance	$ 2,956,273	$ 5,211,346
Initial Note Amounts Issued	6,391,020	6,800,420
Collateral	3,894,365	6,173,229
Restricted Cash	$ 313,356	$ 370,790
Secured Structured Financings | 2014 Securitizations | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)	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 Date(s)	2021-01	2021-01
Initial Weighted Average Interest Rate	1.72%	1.72%
Secured Structured Financings | 2015 Securitizations
Debt Instrument [Line Items]
Balance	$ 7,269,037
Initial Note Amounts Issued	9,317,032
Collateral	9,203,569
Restricted Cash	$ 577,647
Secured Structured Financings | 2015 Securitizations | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)	2019-09
Initial Weighted Average Interest Rate	1.33%
Secured Structured Financings | 2015 Securitizations | Maximum
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)	2023-01
Initial Weighted Average Interest Rate	2.29%
Secured Structured Financings | Privately Issued Amortizing Notes
Debt Instrument [Line Items]
Balance	$ 8,212,904	$ 6,281,477
Initial Note Amounts Issued	11,729,171	8,499,111
Collateral	11,495,352	9,114,997
Restricted Cash	$ 457,840	$ 281,038
Secured Structured Financings | 2010 Private Issuance
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)	2011-06	2011-06
Balance	$ 108,201	$ 172,652
Initial Note Amounts Issued	$ 516,000	$ 516,000
Initial Weighted Average Interest Rate	1.29%	1.29%
Collateral	$ 240,026	$ 303,361
Restricted Cash	$ 6,855	$ 8,009
Secured Structured Financings | 2011 Private Issuance
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)	2018-12	2018-12
Balance	$ 708,884	$ 859,309
Initial Note Amounts Issued	$ 1,700,000	1,700,000
Initial Weighted Average Interest Rate	1.46%
Collateral	$ 1,142,853	1,316,903
Restricted Cash	50,432	$ 52,524
Secured Structured Financings | 2011 Private Issuance | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate		1.46%
Secured Structured Financings | 2011 Private Issuance | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate		1.80%
Secured Structured Financings | 2012 Private Issuance
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)		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 Issuance
Debt Instrument [Line Items]
Balance	2,836,420	2,629,278
Initial Note Amounts Issued	2,693,754	2,693,754
Collateral	4,311,481	3,703,685
Restricted Cash	$ 143,450	$ 98,063
Secured Structured Financings | 2013 Private Issuance | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)	2018-09	2018-09
Initial Weighted Average Interest Rate	1.13%	1.13%
Secured Structured Financings | 2013 Private Issuance | Maximum
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)	2020-09	2020-09
Initial Weighted Average Interest Rate	1.38%	1.38%
Secured Structured Financings | 2014 Private Issuance
Debt Instrument [Line Items]
Balance	$ 1,541,970	$ 2,614,556
Initial Note Amounts Issued	3,271,175	3,519,049
Collateral	2,192,495	3,779,288
Restricted Cash	$ 95,325	$ 121,356
Secured Structured Financings | 2014 Private Issuance | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)	2018-03	2015-11
Initial Weighted Average Interest Rate	1.05%	1.05%
Secured Structured Financings | 2014 Private Issuance | Maximum
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)	2021-12	2021-12
Initial Weighted Average Interest Rate	1.40%	1.85%
Secured Structured Financings | 2015 Private Issuance
Debt Instrument [Line Items]
Balance	$ 3,017,429
Initial Note Amounts Issued	3,548,242
Collateral	3,608,497
Restricted Cash	$ 161,778
Secured Structured Financings | 2015 Private Issuance | Minimum
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)	2016-11
Initial Weighted Average Interest Rate	0.88%
Secured Structured Financings | 2015 Private Issuance | Maximum
Debt Instrument [Line Items]
Original Estimated Maturity Date(s)	2020-05
Initial Weighted Average Interest Rate	2.81%
[1]	As Restated - Note 1

Debt - Contractual Maturities a

Debt - Contractual Maturities and Weighted Average Interest Rate (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	[1]
Debt Instrument [Line Items]
Notes payable - secured structured financings	$ 20,872,900	$ 17,718,974
2016, weighted average interest rate	2.01%
2017, weighted average interest rate	2.65%
2018, weighted average interest rate	1.33%
2019, weighted average interest rate	1.76%
2020, weighted average interest rate	2.28%
Thereafter, weighted average interest rate	2.47%
Notes Payable - Secured Structured Financings
Debt Instrument [Line Items]
2016, 2.01%	$ 814,351
2017, 2.65%	1,228,517
2018, 1.33%	4,272,728
2019, 1.76%	5,589,111
2020, 2.28%	4,255,535
Thereafter, 2.47%	4,756,717
Notes payable - secured structured financings, gross	20,916,959
Less: unamortized costs	(44,059)
Notes payable - secured structured financings	$ 20,872,900
[1]	As Restated - Note 1

Variable Interest Entities - Na

Variable Interest Entities - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Gross retail installment contracts transferred	$ 27,995,907,000	$ 24,611,624,000
Assets securitized	18,282,363,000	14,251,258,000	$ 11,589,632,000
Cash proceeds from sale of residual interest	661,675,000
Derecognized assets	1,919,171,000
Derecognized notes payable and other liabilities	1,183,792,000
Decrease in provision for credit losses	112,804,000
Decrease in provision for credit losses, lower of cost or market adjustment	73,388,000
Servicing fees	17,323,000
VIE, Not Primary Beneficiary
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Assets securitized	1,557,099,000	1,802,461,000	1,091,282,000
VIE, Not Primary Beneficiary | Chrysler Capital
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Gross retail installment contracts transferred	2,663,494,000	2,157,808,000
Gain on retail installment contracts	59,983,000	$ 72,443,000	$ 24,575,000
Maximum exposure to loss, involvement with the VIE	0
Consumer Portfolio Segment | Retail Installment Contracts
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Retail installment contracts, securitized	$ 95,596,000

Variable Interest Entities - As

Variable Interest Entities - Assets and Liabilities Related to VIEs (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Restricted cash	$ 2,236,329	$ 1,920,857	[1]
Finance receivables held for sale, net	2,868,603	46,585	[1]
Leased vehicles, net	6,516,030	4,862,783	[1]
Various other assets	549,644	403,416	[1]
Notes payable	6,902,779	6,402,327	[1]
Various other liabilities	277,862	98,654	[1]
Variable Interest Entities
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Restricted cash	1,842,877	1,626,257
Finance receivables held for sale, net	1,539,686	18,712
Finance receivables held for investment, net	22,891,064	21,432,284
Leased vehicles, net	6,516,030	4,862,783
Various other assets	620,482	1,283,280
Notes payable	30,611,019	27,796,999
Various other liabilities	$ 5,379	$ 0
[1]	As Restated - Note 1

Variable Interest Entities - Ca

Variable Interest Entities - Cash Flows Received from Securitization Trusts (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014		Dec. 31, 2013
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Assets securitized	$ 18,282,363	$ 14,251,258		$ 11,589,632
Net proceeds from new securitizations	15,232,692	11,948,421		9,980,538
Net proceeds from sale of retained bonds	0	0	[1]	98,650	[1]
Cash received for servicing fees	704,374	632,955		506,656
Cash received upon release from reserved and restricted cash accounts	0	810		9,933
Net distributions from Trusts	1,283,850	1,386,833		1,482,425
Total cash received from Trusts	17,220,916	13,969,019		12,078,202
VIE, Not Primary Beneficiary
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Assets securitized	1,557,099	1,802,461		1,091,282
Net proceeds from new securitizations	1,578,320	1,894,052		1,140,416
Cash received for servicing fees	23,848	17,000		1,863
Total cash received from Trusts	$ 1,602,168	$ 1,911,052		$ 1,142,279
[1]	As Restated - Note 1

Derivative Financial Instrume82

Derivative Financial Instruments - Narrative (Details) - USD ($)	1 Months Ended
	May. 31, 2015	Mar. 31, 2014	Dec. 31, 2015	Dec. 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
Loss on derivative	$ 1,339,000
Unrealized losses to be reclassified to interest expense within the next twelve months			$ 51,000,000
Warrant
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value			$ 0	$ 0
Three-Month LIBOR
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Variable rate of three-month LIBOR plus basis points		0.75%

Derivative Financial Instrume83

Derivative Financial Instruments - Underlying Notional Amounts and Aggregate Fair Values (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Interest Rate Swaps | Designated as Cash Flow Hedges
Derivative [Line Items]
Notional	$ 9,150,000,000	$ 8,020,000,000
Fair Value	1,706,000	3,827,000
Interest Rate Swaps | Not Designated As Hedges
Derivative [Line Items]
Notional	2,399,000,000	3,206,000,000
Fair Value	(1,306,000)	(12,175,000)
Interest Rate Caps
Derivative [Line Items]
Notional	10,013,912,000	7,541,385,000
Fair Value	32,951,000	49,762,000
Options for Interest Rate Cap
Derivative [Line Items]
Notional	10,013,912,000	7,541,385,000
Fair Value	(32,977,000)	(49,806,000)
Total Return Swap
Derivative [Line Items]
Notional	0	250,594,000
Fair Value	$ 0	$ (1,736,000)

Derivative Financial Instrume84

Derivative Financial Instruments - Offsetting of Derivative Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Offsetting Derivative Assets
Gross Amounts of Recognized Assets	$ 41,421	$ 57,916
Gross Amounts of Recognized Assets, Total derivative assets	41,421	57,916
Gross Amounts of Recognized Assets, Total financial assets	41,421	57,916
Gross Amounts Offset in the Consolidated Balance Sheet	0	0
Gross Amounts Offset in the Consolidated Balance Sheet, Total financial assets	0	0
Net Amounts of Assets Presented in the Consolidated Balance Sheet	41,421	57,916
Net Amounts of Assets Presented in the Consolidated Balance Sheet, Total derivative asset	41,421	57,916
Net Amounts of Assets Presented in the Consolidated Balance Sheet, Total financial asset	41,421	57,916
Total derivatives not subject to a master netting arrangement or similar arrangement	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Financial Instruments, Total financial assets	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Cash Collateral Received	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Cash Collateral Received, Total financial assets	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Net Amount	41,421	57,916
Gross Amounts Not Offset in the Consolidated Balance Sheet, Net Amount, Total financial assets	41,421	57,916
Offsetting Derivative Liabilities
Gross Amounts of Recognized Liabilities	41,047	66,308
Gross Amounts of Recognized Liabilities, Total return swap and derivatives not subject to master netting arrangement or similar arrangement	0	1,736
Gross Amounts of Recognized Liabilities, Total derivative liabilities	41,047	68,044
Gross Amounts of Recognized Liabilities, Total financial liabilities	41,047	68,044
Gross Amounts Offset in the Consolidated Balance Sheet	(39,046)	(54,305)
Gross Amounts Offset in the Consolidated Balance Sheet, Total return swap and derivatives not subject to master netting arrangement or similar arrangement	0	(1,736)
Gross Amounts Offset in the Consolidated Balance Sheet, Total derivative liabilities	(39,046)	(56,041)
Gross Amounts Offset in the Consolidated Balance Sheet, Total financial liabilities	(39,046)	(56,041)
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet	2,001	12,003
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet, Total return swap and derivatives not subject to master netting arrangement or similar arrangement	0	0
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet, Total derivative liabilities	2,001	12,003
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet, Total financial assets	2,001	12,003
Gross Amounts Not Offset in the Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Financial Instruments, Total financial liabilities	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Cash Collateral Pledged	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Cash Collateral Pledged, Total financial liabilities	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Net Amount	2,001	12,003
Gross Amounts Not Offset in the Consolidated Balance Sheet, Net Amount, Total financial liabilities	2,001	12,003
Total Return Swap
Offsetting Derivative Liabilities
Gross Amounts of Recognized Liabilities, Total return swap and derivatives not subject to master netting arrangement or similar arrangement	0	1,736
Gross Amounts Offset in the Consolidated Balance Sheet, Total return swap and derivatives not subject to master netting arrangement or similar arrangement	0	(1,736)
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet, Total return swap and derivatives not subject to master netting arrangement or similar arrangement	0	0
Third Party | Interest Rate Swaps
Offsetting Derivative Assets
Gross Amounts of Recognized Assets	3,863	2,946
Gross Amounts Offset in the Consolidated Balance Sheet	0	0
Net Amounts of Assets Presented in the Consolidated Balance Sheet	3,863	2,946
Gross Amounts Not Offset in the Consolidated Balance Sheet, Financial Instruments	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Cash Collateral Received	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Net Amount	3,863	2,946
Offsetting Derivative Liabilities
Gross Amounts of Recognized Liabilities	3,093	719
Gross Amounts Offset in the Consolidated Balance Sheet	(3,093)	(191)
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet	0	528
Gross Amounts Not Offset in the Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Cash Collateral Pledged	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Net Amount	0	528
Third Party | Interest Rate Caps
Offsetting Derivative Assets
Gross Amounts of Recognized Assets	20,227	14,160
Gross Amounts Offset in the Consolidated Balance Sheet	0	0
Net Amounts of Assets Presented in the Consolidated Balance Sheet	20,227	14,160
Gross Amounts Not Offset in the Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Cash Collateral Received	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Net Amount	20,227	14,160
Third Party | Back to Back
Offsetting Derivative Liabilities
Gross Amounts of Recognized Liabilities	20,253	14,204
Gross Amounts Offset in the Consolidated Balance Sheet	(20,253)	(14,204)
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Cash Collateral Pledged	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Net Amount	0	0
Santander and Affiliates | Interest Rate Swaps
Offsetting Derivative Assets
Gross Amounts of Recognized Assets	4,607	5,208
Gross Amounts Offset in the Consolidated Balance Sheet	0	0
Net Amounts of Assets Presented in the Consolidated Balance Sheet	4,607	5,208
Gross Amounts Not Offset in the Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Cash Collateral Received	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Net Amount	4,607	5,208
Offsetting Derivative Liabilities
Gross Amounts of Recognized Liabilities	4,977	15,783
Gross Amounts Offset in the Consolidated Balance Sheet	(3,430)	(4,308)
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet	1,547	11,475
Gross Amounts Not Offset in the Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Cash Collateral Pledged	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Net Amount	1,547	11,475
Santander and Affiliates | Interest Rate Caps
Offsetting Derivative Assets
Gross Amounts of Recognized Assets	12,724	35,602
Gross Amounts Offset in the Consolidated Balance Sheet	0	0
Net Amounts of Assets Presented in the Consolidated Balance Sheet	12,724	35,602
Gross Amounts Not Offset in the Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Cash Collateral Received	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Net Amount	12,724	35,602
Santander and Affiliates | Back to Back
Offsetting Derivative Liabilities
Gross Amounts of Recognized Liabilities	12,724	35,602
Gross Amounts Offset in the Consolidated Balance Sheet	(12,270)	(35,602)
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet	454	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Financial Instruments	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Cash Collateral Pledged	0	0
Gross Amounts Not Offset in the Consolidated Balance Sheet, Net Amount	$ 454	$ 0

Derivative Financial Instrume85

Derivative Financial Instruments - Gross Gains (Losses) Reclassified from Accumulated Other Comprehensive Income (Details) - Interest Rate Swaps - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Designated as Cash Flow Hedges
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Interest Expense	$ 223	$ (708)	$ 0
Gross Gains (Losses) Recognized in Accumulated Other Comprehensive Income	(53,160)	(23,015)	4,062
Gross Gains (Losses) Reclassified From Accumulated Other Comprehensive Income To Interest Expense	(50,860)	(33,235)	(19,526)
Not Designated As Hedges
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Interest Expense	$ (11,880)	$ 19,278	$ 21,080

Other Assets - Narrative (Detai

Other Assets - Narrative (Details) - USD ($) $ in Thousands	1 Months Ended	12 Months Ended
	May. 31, 2013	Dec. 31, 2015	Dec. 31, 2014	[1]	Dec. 31, 2013	[1]
Other Assets [Abstract]
Upfront fee	$ 150,000	$ 0	$ 0		$ 150,000
Finance and other interest income amortization period	10 years
[1]	As Restated - Note 1

Other Assets - Schedule of Othe

Other Assets - Schedule of Other Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Other Assets [Line Items]
Other assets	$ 549,644	$ 403,416	[1]
Upfront Fee
Other Assets [Line Items]
Other assets	110,000	125,000
Vehicles
Other Assets [Line Items]
Other assets	203,906	134,926
Manufacturer Subvention Payments Receivable
Other Assets [Line Items]
Other assets	132,856	70,213
Accounts Receivable
Other Assets [Line Items]
Other assets	27,028	18,440
Prepaids
Other Assets [Line Items]
Other assets	33,183	35,906
Derivative assets
Other Assets [Line Items]
Other assets	24,090	17,106
Other
Other Assets [Line Items]
Other assets	$ 18,581	$ 1,825
[1]	As Restated - Note 1

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014		Dec. 31, 2013
Operating Loss Carryforwards [Line Items]
Tax sharing with affiliate	$ (926)
Related party taxes payable	342	$ 0	[1]
Related party taxes receivable	0	459	[1]
Deferred tax liability, leased vehicles	1,767,901	1,183,267
Income tax deductions related to share-based payments in excess of amount recognized	70,929
Expected income tax benefit from share-based compensation	26,457
Unrecognized tax benefits that would impact effective tax rate	95	26		$ 1,020
Accrued interest and penalties, tax liability	85	55
Gross unrecognized tax benefits	0
Capital Loss Carryforward
Operating Loss Carryforwards [Line Items]
Capital loss carryforwards	72,419
Federal
Operating Loss Carryforwards [Line Items]
State net operating loss carryforwards	613,557
State
Operating Loss Carryforwards [Line Items]
State net operating loss carryforwards	181,383
Additional Paid-in Capital
Operating Loss Carryforwards [Line Items]
Tax sharing with affiliate	(926)
Tax Sharing Agreement
Operating Loss Carryforwards [Line Items]
Related party taxes payable	$ 342
Related party taxes receivable		$ 459
[1]	As Restated - Note 1

Income Taxes - Components of th

Income Taxes - Components of the Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014		Dec. 31, 2013
Current income tax expense (benefit):
Federal	$ 37,464	$ (261,655)		$ 65,168
State	4,908	31,200		32,987
Total current income tax expense (benefit)	42,372	(230,455)		98,155
Deferred income tax expense:
Federal	377,563	628,055		292,874
State	38,097	22,285		5,742
Total deferred income tax expense	415,660	650,340	[1]	298,616	[1]
Total income tax expense	$ 458,032	$ 419,885	[1]	$ 396,771	[1]
[1]	As Restated - Note 1

Income Taxes - Reconciliation o

Income Taxes - Reconciliation of the Income Tax Rate (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
Federal statutory rate	35.00%	35.00%	35.00%
State and local income taxes — net of federal income tax benefit	2.60%	2.50%	2.30%
Valuation allowance	(0.20%)	1.10%	(0.20%)
Electric vehicle credit	(1.50%)	(1.80%)	(0.90%)
Other	(0.30%)	(0.10%)	(0.30%)
Effective income tax rate	35.60%	36.70%	35.90%

Income Taxes - Income Tax Basis

Income Taxes - Income Tax Basis of Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Deferred tax assets:
Debt issuance costs	$ 3,502	$ 3,728
Receivables	553,586	616,799
Derivatives	0	2,444
Capital loss carryforwards	27,013	27,150
Net operating loss carryforwards	198,573	6,791
Equity-based compensation	41,677	29,418
Credit carryforwards	79,037	42,780
Other	29,499	35,221
Total gross deferred tax assets	932,887	764,331
Deferred tax liabilities:
Capitalized origination costs	(12,188)	(11,567)
Goodwill	(13,198)	(11,136)
Leased vehicles	(1,767,901)	(1,183,267)
Furniture and equipment	(13,212)	(14,325)
Original purchase discount on investments	0	(616)
Derivatives	(356)	0
Other	(3,795)	(2,763)
Total gross deferred tax liabilities	(1,810,650)	(1,223,674)
Valuation allowance	(30,489)	(32,901)	$ (19,942)	$ (22,381)
Net deferred tax liability	$ (908,252)	$ (492,244)

Income Taxes - Valuation Allowa

Income Taxes - Valuation Allowance (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Valuation Allowance [Roll Forward]
Valuation allowance, beginning of year	$ 32,901	$ 19,942	$ 22,381
Provision (release)	(2,412)	12,959	(2,439)
Valuation allowance, end of year	$ 30,489	$ 32,901	$ 19,942

Income Taxes - Gross Unrecogniz

Income Taxes - Gross Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Gross unrecognized tax benefits balance, beginning of period	$ 166	$ 1,487	$ 2,146
Additions for tax positions of prior years	70	5,472	0
Reductions for tax positions of prior years	(11)	(3,783)	0
Reductions as a result of a lapse of the applicable statute of limitations	0	(2,473)	(754)
Settlements	0	(537)	95
Gross unrecognized tax benefits balance, end of period	$ 225	$ 166	$ 1,487

Commitments and Contingencies -

Commitments and Contingencies - Narrative (Details) - USD ($)

Nov. 04, 2015

Oct. 01, 2015

Jun. 29, 2015

Feb. 25, 2015

Sep. 30, 2015

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Nov. 13, 2015

Aug. 01, 2015

Jul. 31, 2015

Mar. 31, 2015

Contingencies And Commitments [Line Items]

Purchase obligation

$ 12,486,000

$ 7,706,000

Purchase commitment, repurchase rate (up to)

9.99%

Retainer rate (up to) upon exercise of repurchase right

20.00%

Servicing fees adjustment

$ (4,192,000)

399,000

Repurchase requests outstanding

0

Estimated fair value of guarantee

2,893,000

Commitment to sell charged off loan receivables in bankruptcy sale

$ 275,000,000

$ 350,000,000

$ 200,000,000

Sales subject to market price check (over)

$ 275,000,000

Remaining aggregate commitment to sell charged off loan receivables

200,707,000

Lease expense

8,965,000

9,651,000

$ 5,627,000

Assurance of Discontinuance | Unfavorable Regulatory Action

Contingencies And Commitments [Line Items]

Civil fine, amount

$ 150,000

Violation of SCRA | Civil Fine

Contingencies And Commitments [Line Items]

Civil fine, amount

$ 55,000

Violation of SCRA | Civil Fine to Affected Service Members | Minimum

Contingencies And Commitments [Line Items]

Civil fine, amount

9,360,000

Violation of SCRA | Lost Equity for Each Repossession by SCUSA

Contingencies And Commitments [Line Items]

Civil fine, amount

10,000

Violation of SCRA | SCUSA Sought to Collect Repossession-related Fees

Contingencies And Commitments [Line Items]

Civil fine, amount

$ 5,000

July 2,017

Contingencies And Commitments [Line Items]

Purchase commitment amount

$ 30,000,000

Purchase commitment percent

50.00%

CBP

Contingencies And Commitments [Line Items]

Loans servicing, loss-sharing payment ratio

0.50%

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%

Purchase commitment notice period

90 days

Bank of America

Contingencies And Commitments [Line Items]

Commitment to sell loans, maturity period

May 31, 2018

Commitment to sell loans

$ 350,000,000

$ 300,000,000

Loan commitment, termination notice, period

90 days

120 days

Chrysler Group | CBP

Contingencies And Commitments [Line Items]

Maximum purchase amount committed

$ 200,000,000

$ 600,000,000

Minimum purchase amount committed

$ 50,000,000

$ 250,000,000

Receivables From Dealers

Contingencies And Commitments [Line Items]

Financing receivable

$ 76,941,000

100,164,000

Consumer Portfolio Segment | Automobile Loan | Purchased Pool of Auto Loans Subject to Total Return Settlement Payments to Originator

Contingencies And Commitments [Line Items]

Financing receivable

11,998,000

$ 57,883,000

Consumer Portfolio Segment | Unfunded Loan Commitment | Receivables From Dealers

Contingencies And Commitments [Line Items]

Financing receivable

26,941,000

Auto dealer revolving line of credit, committed amount

$ 27,385,000

Commitments and Contingencies95

Commitments and Contingencies - Future Minimum Lease Commitments (Details) $ in Thousands	Dec. 31, 2015USD ($)
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2,016	$ 12,863
2,017	11,701
2,018	12,532
2,019	12,677
2,020	13,015
Thereafter	69,863
Total remaining obligations	$ 132,651

Related-Party Transactions - Na

Related-Party Transactions - Narrative (Details)	Sep. 16, 2014USD ($)	Jan. 23, 2014USD ($)	Aug. 31, 2015	Dec. 31, 2015USD ($)ft²$ / hshares	Dec. 31, 2014USD ($)investment_partnership$ / h		Dec. 31, 2013USD ($)$ / h	Oct. 15, 2015	Jul. 02, 2015$ / sharesshares	Feb. 28, 2015	Nov. 30, 2014	Jul. 16, 2014USD ($)	Jun. 30, 2014USD ($)	Jan. 31, 2014
Related Party Transaction [Line Items]
Servicing fee expense				$ 17,323,000
Net book value				7,345,016,000	$ 5,504,467,000
Restricted cash				2,236,329,000	$ 1,920,857,000	[1]
Stock compensation expense		$ 117,770,000
Future minimum payment of lease				132,651,000
Number of investment partnerships owned | investment_partnership					2
Gain (Loss) on Investments
Related Party Transaction [Line Items]
Cost-method investments, impairment				6,000,000
Chairman and CEO
Related Party Transaction [Line Items]
Severance related expenses				12,340,000
Capmark
Related Party Transaction [Line Items]
Ownership percentage by affiliate of noncontrolling interest owners											32.00%
Centerbridge
Related Party Transaction [Line Items]
Noncontrolling interest, ownership percentage by noncontrolling owners					1.00%		7.00%			0.00%				1.00%
Third Party Retailer
Related Party Transaction [Line Items]
Payments for advance to affiliate				442,339,000
Proceeds from collection of advance to affiliate				575,179,000
Modified Stock Option | Chairman and CEO
Related Party Transaction [Line Items]
Stock compensation expense				9,881,000
Liability for payments and benefits due under Separation Agreement				115,139,000
LIBOR
Related Party Transaction [Line Items]
Call transaction, basis spread on variable rate								1.00%
Banco Santander, S.A.
Related Party Transaction [Line Items]
Guarantee fee, percent			12.50%
Guarantee fee expense				2,282,000
Guarantee fee payable				2,282,000
Santander and Affiliates
Related Party Transaction [Line Items]
Notional				13,739,000,000	$ 16,330,771,000
Collateral overage on derivative liabilities				20,775,000	32,118,000
Interest expense on derivatives				58,019,000	44,366,000		$ 29,698,000
SBNA
Related Party Transaction [Line Items]
Servicing fee income on receivables sold				6,977,000	3,041,000
Outstanding loan and lease receivables from related parties				0	0
Referral fee				$ 9,000,000
Referral fee, recognition period				10 years
Unamortized referral fee balance				$ 6,750,000	7,650,000
Referral fee income				900,000	900,000		450,000
Lease origination income				8,431,000	24,478,000
Credit loss indemnification of leases				34,516,000	44,805,000								$ 48,226,000
Indemnification expense				3,142,000	0		0
Indemnification liability				2,691,000	0
Aggregate depreciated net capitalized cost of leases sold				369,114,000
Gain on sale of leases					4,570,000
SBNA | Receivables From Dealers
Related Party Transaction [Line Items]
Servicing receivable, net purchase price					347,000
Proceeds from sale of finance receivables				346,000
SBNA | Sale of Leases
Related Party Transaction [Line Items]
Net book value				317,275,000
SBNA | Dealer Loan Portfolio
Related Party Transaction [Line Items]
Servicing fee income on receivables sold					4,289,000		822,000
Servicing fees receivables					4,610,000		165,000
Relationship management fees receivable				419,000	450,000
Relationship management fees revenue				6,976,000	11,000
Servicing fee expense				253,000	80,000
Servicing fees payable				37,000	28,000
SBNA | Loan Origination on Sales of Floorplan Inventory
Related Party Transaction [Line Items]
Due to related parties				2,737,000	0
SBNA | Serviced Auto Loan and Retail Installment
Related Party Transaction [Line Items]
Servicing fee income on receivables sold				2,500,000	9,990,000		14,775,000
SCI | Demand Deposits | Banco Santander Puerto Rico
Related Party Transaction [Line Items]
Restricted cash				4,920,000
Affiliated Entity | Fees Paid for Co-Management of Certain Securitizations | SIS
Related Party Transaction [Line Items]
Amounts paid to related parties				550,000	350,000		200,000
Affiliated Entity | Shareholders Agreement | DDFS LLC
Related Party Transaction [Line Items]
Average stock price | $ / shares									$ 26.83
Affiliated Entity | Loan Agreement | DDFS LLC | Banco Santander
Related Party Transaction [Line Items]
Long-term debt				$ 290,000,000
Loan amount												$ 300,000,000
Minimum ratio of value of shares pledged as collateral to outstanding debt to trigger repayment requirement				1.5
Minimum ratio of value of shares pledged as collateral to outstanding debt when repayment requirement is triggered				2
Affiliated Entity | Pledge Agreement | DDFS LLC | Banco Santander
Related Party Transaction [Line Items]
Common stock pledged as collateral (in shares) | shares				29,598,506
Affiliated Entity | Call Transaction | DDFS LLC | Banco Santander
Related Party Transaction [Line Items]
Number of shares exercisable by call option | shares									34,598,506
Call transaction, proceeds payable upon consummation				$ 928,278,000
Affiliated Entity | Call Transaction | LIBOR | DDFS LLC
Related Party Transaction [Line Items]
Call transaction, basis spread on variable rate								1.00%
Produban Servicios Informaticos Generales S.L
Related Party Transaction [Line Items]
Expenses incurred				161,000	135,000		152,000
Cost Method Investment
Related Party Transaction [Line Items]
Personal revolving loans				23,504,000	17,357,000		139,000
Chairman and CEO | Expenses Paid for Use of CEO Private Plane
Related Party Transaction [Line Items]
Related party, amount of transaction				$ 404,000	$ 577,000		$ 496,000
Average hourly rate (in usd per hour) | $ / h				5,800	5,800		5,800
Chairman and CEO | Reimbursement for Use of Leased Space
Related Party Transaction [Line Items]
Payments for rent				$ 200,000
Former Managing Member
Related Party Transaction [Line Items]
Reimbursed expenses				0	$ 37,000		$ 499,000
Chairman and CEO, President and CFO and Board Member
Related Party Transaction [Line Items]
Payments for rent				$ 5,035,000
Area of leased property (in square foot) | ft²				373,000
Lease term				12 years
Future minimum payment of lease				$ 75,402,000
Investor
Related Party Transaction [Line Items]
Tax indemnification receivable					5,504,000
Secured Debt | Affiliated Entity | SIS | SDART 2013-3 Trust, Class B Notes
Related Party Transaction [Line Items]
Long-term debt, principal				725,000
Long-term debt				510,000
Secured Debt | Affiliated Entity | SIS | CCART 2013-A Trust, Class A3 Notes
Related Party Transaction [Line Items]
Long-term debt, principal				$ 2,000,000
Lease Loans | Consumer Portfolio Segment | SBNA
Related Party Transaction [Line Items]
Proceeds from sale of leases					322,851,000
Lease Loans | Consumer Portfolio Segment | SBNA | Receivables From Dealers
Related Party Transaction [Line Items]
Contingent proceeds from sale of finance receivables					$ 694,000
Unfunded Loan Commitment | Consumer Portfolio Segment | SBNA | Sale of Receivables | Receivables From Dealers
Related Party Transaction [Line Items]
Financing receivable, sales	$ 18,227,000
[1]	As Restated - Note 1

Related Party Transactions - In

Related Party Transactions - Interest Expense and Accrued Interest (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Banco Santander, S.A.
Related Party Transaction [Line Items]
Line of credit, interest expense	$ 96,753	$ 92,209	$ 62,845
Letter of credit, interest expense	0	507	526
Line of credit, accrued interest	6,015	7,750
Letter of credit, accrued interest	0	128
SHUSA
Related Party Transaction [Line Items]
Line of credit, interest expense	5,299	4,299	$ 0
Line of credit, accrued interest	$ 267	$ 242

Related-Party Transactions - Se

Related-Party Transactions - Serviced Auto Loan and Retail Installment Contract Portfolio (Details) - SBNA - Serviced Auto Loan and Retail Installment - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Related Party Transaction [Line Items]
Total serviced portfolio	$ 692,291	$ 896,300
Cash collections due to owner	19,302	21,415
Servicing fees receivable	$ 1,476	$ 2,171

Related-Party Transactions - Co

Related-Party Transactions - Consumer Vehicle Lease Portfolio (Details) - SBNA - Consumer Vehicle Lease - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Related Party Transaction [Line Items]
Total serviced portfolio	$ 2,198,519	$ 1,989,967
Cash collections due to owner	132	1
Lease fundings due from owner	0	3,365
Origination and servicing fees receivable	784	10,345
Revenue share reimbursement receivable	$ 1,370	$ 1,694

Supplemental Cash Flow Infor100

Supplemental Cash Flow Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash paid (received) during the year for:
Interest	$ 635,558	$ 541,705	$ 417,128
Income taxes	(190,663)	278,210	465,828
Noncash investing and financing transactions:
Acquisition of noncontrolling interests	0	0	38,111
Transfer of revolving credit facilities to secured structured financings	193,180	0	0
Transfer of personal loans to held for sale	1,883,251	$ 0	$ 0
Derecognized assets	1,919,171
Derecognized assets, restricted cash	170,144
Derecognized notes payable and other liabilities	$ 1,183,792

Computation of Basic and Dil101

Computation of Basic and Diluted Earnings per Common Share - Narrative (Details) - shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Earnings Per Share [Abstract]
Employee stock option awards excluded from computation of earnings per share (in shares)	1,662,719	1,406,204	0

Computation of Basic and Dil102

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								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014		Dec. 31, 2013
Earnings per common share
Net income attributable to Santander Consumer USA Holdings Inc. shareholders									$ 827,293	$ 724,237	[1]	$ 710,611	[1]
Weighted average number of common shares outstanding before restricted participating shares (in shares)									354,636,000	348,139,000		346,172,000
Weighted average number of participating restricted common shares outstanding (in shares)									467,000	584,000		6,000
Weighted average number of common shares outstanding (in shares)									355,102,742	348,723,472	[1]	346,177,515	[1]
Earnings per common share (in usd per share)	$ 0.03	$ 0.58	$ 1.02	$ 0.70	$ 0.41	$ 0.49	$ 0.78	$ 0.40	$ 2.33	$ 2.08	[1]	$ 2.05	[1]
Earnings per common share - assuming dilution
Net income attributable to Santander Consumer USA Holdings Inc. shareholders									$ 827,293	$ 724,237	[1]	$ 710,611	[1]
Effect of employee stock-based awards (in shares)									3,784,000	6,999,000		0
Weighted average number of common shares outstanding (in shares)									355,102,742	348,723,472	[1]	346,177,515	[1]
Weighted average number of common shares outstanding - assuming dilution (in shares)									358,887,151	355,722,363	[1]	346,177,515	[1]
Earnings per common share - assuming dilution (in usd per share)	$ 0.03	$ 0.57	$ 1.01	$ 0.69	$ 0.40	$ 0.48	$ 0.76	$ 0.40	$ 2.31	$ 2.04	[1]	$ 2.05	[1]
[1]	As Restated - Note 1

Fair Value of Financial Inst103

Fair Value of Financial Instruments - Summary of Fair Value Estimates, Methods and Assumptions (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014		Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	[1]	Dec. 31, 2012
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Cash and cash equivalents	$ 18,893				$ 33,157	[1]				$ 10,531		$ 70,887
Finance receivables held for sale, net	2,868,603				46,585	[1]
Finance receivables held for investment, net	23,479,680	$ 23,546,722	$ 24,888,773	$ 24,638,174	23,972,059	[1]	$ 23,025,907	$ 23,019,788	$ 22,412,166
Restricted cash	2,236,329				1,920,857	[1]
Notes payable — credit facilities	6,902,779				6,402,327	[1]
Notes payable — secured structured financings	20,872,900				17,718,974	[1]
Notes payable — related party	2,600,000				3,690,000	[1]
Carrying Value
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Cash and cash equivalents	18,893				33,157
Finance receivables held for sale, net	2,868,603				46,585
Finance receivables held for investment, net	23,479,680				23,972,059
Restricted cash	2,236,329				1,920,857
Notes payable — credit facilities	6,902,779				6,402,327
Notes payable — secured structured financings	20,872,900				17,718,974
Notes payable — related party	2,600,000				3,690,000
Estimated Fair Value
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Cash and cash equivalents	18,893				33,157
Finance receivables held for sale, net	2,889,043				46,585
Finance receivables held for investment, net	24,960,092				25,576,337
Restricted cash	2,236,329				1,920,857
Notes payable — credit facilities	6,902,779				6,402,327
Notes payable — secured structured financings	20,917,733				17,810,062
Notes payable — related party	$ 2,600,000				$ 3,690,000
[1]	As Restated - Note 1

Fair Value of Financial Inst104

Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Retail installment contracts acquired individually	$ 6,770
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Retail installment contracts acquired individually	0
Significant Other Observable Inputs (Level 2)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Retail installment contracts acquired individually	0
Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Retail installment contracts acquired individually	6,770
Total Return Swap
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other liabilities, fair value disclosure		$ 1,736
Total Return Swap | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other liabilities, fair value disclosure		0
Total Return Swap | Significant Other Observable Inputs (Level 2)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other liabilities, fair value disclosure		1,736
Total Return Swap | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other liabilities, fair value disclosure		0
Interest Rate Caps
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other assets, fair value disclosure	20,227	14,160
Due from affiliates, fair value disclosure	12,724	35,602
Interest Rate Caps | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other assets, fair value disclosure	0	0
Due from affiliates, fair value disclosure	0	0
Interest Rate Caps | Significant Other Observable Inputs (Level 2)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other assets, fair value disclosure	20,227	14,160
Due from affiliates, fair value disclosure	12,724	35,602
Interest Rate Caps | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other assets, fair value disclosure	0	0
Due from affiliates, fair value disclosure	0	0
Interest Rate Swaps
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other assets, fair value disclosure		150
Due from affiliates, fair value disclosure	1,176	385
Other liabilities, fair value disclosure		243
Due to affiliates, fair value disclosure	2,481	12,467
Interest Rate Swaps | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other assets, fair value disclosure		0
Due from affiliates, fair value disclosure	0	0
Other liabilities, fair value disclosure		0
Due to affiliates, fair value disclosure	0	0
Interest Rate Swaps | Significant Other Observable Inputs (Level 2)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other assets, fair value disclosure		150
Due from affiliates, fair value disclosure	1,176	385
Other liabilities, fair value disclosure		243
Due to affiliates, fair value disclosure	2,481	12,467
Interest Rate Swaps | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other assets, fair value disclosure		0
Due from affiliates, fair value disclosure	0	0
Other liabilities, fair value disclosure		0
Due to affiliates, fair value disclosure	0	0
Interest Rate Swaps | Designated as Cash Flow Hedges
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other assets, fair value disclosure	3,863	2,796
Due from affiliates, fair value disclosure	3,431	4,823
Other liabilities, fair value disclosure	3,093	476
Due to affiliates, fair value disclosure	2,496	3,316
Interest Rate Swaps | Designated as Cash Flow Hedges | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other assets, fair value disclosure	0	0
Due from affiliates, fair value disclosure	0	0
Other liabilities, fair value disclosure	0	0
Due to affiliates, fair value disclosure	0	0
Interest Rate Swaps | Designated as Cash Flow Hedges | Significant Other Observable Inputs (Level 2)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other assets, fair value disclosure	3,863	2,796
Due from affiliates, fair value disclosure	3,431	4,823
Other liabilities, fair value disclosure	3,093	476
Due to affiliates, fair value disclosure	2,496	3,316
Interest Rate Swaps | Designated as Cash Flow Hedges | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other assets, fair value disclosure	0	0
Due from affiliates, fair value disclosure	0	0
Other liabilities, fair value disclosure	0	0
Due to affiliates, fair value disclosure	0	0
Interest Rate Options
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other liabilities, fair value disclosure	20,253	14,204
Due to affiliates, fair value disclosure	12,724	35,602
Interest Rate Options | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other liabilities, fair value disclosure	0	0
Due to affiliates, fair value disclosure	0	0
Interest Rate Options | Significant Other Observable Inputs (Level 2)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other liabilities, fair value disclosure	20,253	14,204
Due to affiliates, fair value disclosure	12,724	35,602
Interest Rate Options | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other liabilities, fair value disclosure	0	0
Due to affiliates, fair value disclosure	$ 0	$ 0

Fair Value of Financial Inst105

Fair Value of Financial Instruments - Schedule of Changes in Level 3 Balances (Details) - Retail Installment Contracts Held for Investment $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value, December 31, 2014	$ 0
Additions / issuances	6,770
Fair value, December 31, 2015	$ 6,770

Fair Value of Financial Inst106

Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value on Nonrecurring Basis (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Other assets — vehicles
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	$ 203,906	$ 134,926
Other assets — vehicles | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	0
Other assets — vehicles | Significant Other Observable Inputs (Level 2)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	203,906	134,926
Other assets — vehicles | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	$ 0
Personal Loans held for sale
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	1,962,893
Lower of cost or market adjustment	609,869
Personal Loans held for sale | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0
Personal Loans held for sale | Significant Other Observable Inputs (Level 2)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0
Personal Loans held for sale | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	$ 1,962,893

Employee Benefit Plans - Narrat

Employee Benefit Plans - Narrative (Details) - USD ($)	Jan. 23, 2014	Dec. 31, 2015	Jun. 30, 2015	Dec. 31, 2015	Dec. 31, 2014		Dec. 31, 2013	Dec. 31, 2011	Dec. 28, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock issued (in shares)	85,242,042	358,014,870		358,014,870	349,029,766	[1]
Expiration period				10 years
Stock compensation expense	$ 117,770,000
Common stock, par value (in usd per share)	$ 24	$ 0.01		$ 0.01	$ 0.01	[1]
Proceeds from the initial public offering	$ 0
Fair value of options granted in period				$ 10,216,000
Stock-based compensation recognized due to RSU vesting				(102,799,000)
Due to affiliates		$ 145,013,000		145,013,000	$ 48,688,000	[1]
Compensation not yet recognized, stock options		11,943,000		$ 11,943,000
Maximum annual contributions per employee, percent (up to)				75.00%
Employer matching contribution, percent of employees' gross pay (up to)				6.00%
Employer matching contribution, percent of match				100.00%
Total amount contributed				$ 9,498,000	7,923,000		$ 5,867,000
Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation not yet recognized, period for recognition				2 years 4 months 24 days
Employees
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock vesting period	5 years
Compensation not yet recognized, stock options		3,266,000		$ 3,266,000
Director
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock vesting period	3 years
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 | Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expiration period				3 years
Management Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock awards available for grant (in shares)								29,000,000
Percentage of equity invested in the Company								8.50%
Omnibus Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock awards available for grant (in shares)									583,890
Common stock issued (in shares)							5,192,640
Stock vesting period				5 years
Employee benefits and share-based compensation				$ 8,851,000	2,471,000
Share-based compensation to executives	$ 33,845,000
Omnibus Incentive Plan | RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock vesting period				3 years
Award holding period				1 year
Omnibus Incentive Plan | Tranche 1 | RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock vesting percentage				33.33%
Omnibus Incentive Plan | Tranche 2 | RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock vesting percentage				33.33%
Omnibus Incentive Plan | Tranche 3 | RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock vesting percentage				33.33%
Omnibus Incentive Plan | Certain Officers | RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock vesting period		3 years	3 years
Omnibus Incentive Plan | Certain Officers | Tranche 1 | RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock vesting percentage				33.33%
Omnibus Incentive Plan | Certain Officers | Tranche 2 | RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock vesting percentage				33.33%
Omnibus Incentive Plan | Certain Officers | Tranche 3 | RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock vesting percentage				33.33%
Santander Stock-based Compensation Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock compensation expense				$ 0	$ 0		$ 187,000
Santander Stock-based Compensation Plan | Cycle One, July 2007 through June 2009
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum authorized shares		96,030		96,030
Price per share (in usd per share)		$ 19.38		$ 19.38
Number of shares distributed		77,469		77,469
Santander Stock-based Compensation Plan | Cycle Two, July 2007 through June 2010
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum authorized shares		144,120		144,120
Price per share (in usd per share)		$ 19.38		$ 19.38
Number of shares distributed		114,040		114,040
Santander Stock-based Compensation Plan | Cycle Three, July 2008 through June 2011
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum authorized shares		147,908		147,908
Price per share (in usd per share)		$ 7.29		$ 7.29
Number of shares distributed		120,732		120,732
Santander Stock-based Compensation Plan | Cycle Four, July 2009 through June 2012
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum authorized shares		157,611		157,611
Price per share (in usd per share)		$ 6.50		$ 6.50
Number of shares distributed		43,475		43,475
Santander Stock-based Compensation Plan | Cycle Five, July 2010 through June 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum authorized shares		163,302		163,302
Price per share (in usd per share)		$ 6.87		$ 6.87
Number of shares distributed		0		0
Due to Affiliates | Chairman and CEO | Modified Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation recognized due to RSU vesting				$ (102,799,000)
Restricted Stock | Chairman and CEO
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock compensation expense				$ 7,210,000
[1]	As Restated - Note 1

Employee Benefit Plans - Summar

Employee Benefit Plans - Summary of Stock Options and Related Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Options outstanding, shares
Options outstanding, Beginning balance (in shares)	21,357,911
Granted (in shares)	433,844
Exercised (in shares)	(8,953,812)
Expired (in shares)	(15,197)
Forfeited (in shares)	(300,040)
Options outstanding, Ending balance (in shares)	12,522,706	21,357,911
Options exercisable, Ending balance (in shares)	9,619,940
Options expected to vest, Ending balance (in shares)	2,574,904
Options Outstanding, Weighted Average Exercise Price
Options outstanding, Weighted average exercise price, 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)	9.73
Forfeited (in usd per share)	16.62
Options outstanding, Weighted average exercise price, Ending balance (in usd per share)	11.84	$ 10.82
Options exercisable, Weighted average exercise price, Ending balance (in usd per share)	11.09
Options expected to vest, Weighted average exercise price, Ending balance (in usd per share)	$ 14.49
Weighted-Average Remaining Contractual Term (Years)
Options outstanding, Weighted average remaining contractual term, Beginning balance (Years)	6 years 4 months 24 days	7 years 2 months 12 days
Options outstanding, Weighted average remaining contractual term, Ending balance (Years)	6 years 4 months 24 days	7 years 2 months 12 days
Options exercisable, Weighted average remaining contractual term (Years)	6 years 2 months 12 days
Options expected to vest, Weighted average remaining contractual term (Years)	6 years 10 months 24 days
Aggregate Intrinsic Value
Options outstanding, Aggregate intrinsic value, Beginning balance	$ 187,637
Options exercised, Aggregate intrinsic value	(124,132)
Options outstanding, Aggregate intrinsic value, Ending balance	50,163	$ 187,637
Options exercisable, Aggregate intrinsic value	$ 45,773

Employee Benefit Plans - Change

Employee Benefit Plans - Changes in Nonvested Shares (Details)	12 Months Ended
	Dec. 31, 2015$ / sharesshares
Shares
Non-vested at beginning of period (in shares) | shares	4,487,731
Granted (in shares) | shares	433,844
Vested (in shares) | shares	(1,703,572)
Forfeited (in shares) | shares	(315,237)
Non-vested at end of period (in shares) | shares	2,902,766
Weighted Average Grant Date Fair Value
Non-vested at beginning of period (in usd per share) | $ / shares	$ 6.72
Granted (in usd per share) | $ / shares	8.10
Vested (in usd per share) | $ / shares	7.08
Forfeited (in usd per share) | $ / shares	7.02
Non-vested at end of period (in usd per share) | $ / shares	$ 6.68

Employee Benefit Plans - Fair V

Employee Benefit Plans - Fair Value Assumptions (Details) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Risk-free interest rate, minimum	1.64%	1.94%	1.08%
Risk-free interest rate, maximum	1.97%	2.12%	1.11%
Expected life (in years)			6 years 6 months
Expected volatility			50.00%
Expected volatility, minimum	32.00%	49.00%
Expected volatility, maximum	48.00%	51.00%
Dividend yield			0.38%
Weighted average grant date fair value (in usd per share)	$ 8.10
Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected life (in years)	6 years	6 years
Dividend yield	1.60%	2.30%
Weighted average grant date fair value (in usd per share)	$ 6.92	$ 7.54	$ 6.56
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected life (in years)	6 years 6 months	6 years 6 months
Dividend yield	2.70%	4.20%
Weighted average grant date fair value (in usd per share)	$ 9.67	$ 8.38	$ 7.46

Shareholders' Equity - Treasury

Shareholders' Equity - Treasury Stock (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2015	Dec. 31, 2014
Equity [Abstract]
Treasury stock (in shares)		69,005	52,141
Treasury stock cost		$ 1,250	$ 983
Stock repurchased (in shares)	3,154
Stock withheld (in shares)		16,864	48,987

Shareholders' Equity - Summary

Shareholders' Equity - Summary of Changes in Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015		Dec. 31, 2014		Dec. 31, 2013
Increase (Decrease) in Accumulated Other Comprehensive Loss [Roll Forward]
Beginning balance	$ 3,553	[1]	$ (2,853)		$ (9,164)
Other comprehensive income (loss) before reclassifications	(34,182)		(14,636)		(5,251)
Amounts reclassified out of accumulated other comprehensive income (loss)	32,754		21,042		11,562
Ending balance	2,125		3,553	[1]	(2,853)
Unrealized Gains (Losses) on Cash Flow Hedges
Increase (Decrease) in Accumulated Other Comprehensive Loss [Roll Forward]
Beginning balance	3,553		(2,853)		(12,416)
Other comprehensive income (loss) before reclassifications	(34,182)		(14,636)		(2,761)
Amounts reclassified out of accumulated other comprehensive income (loss)	32,754		21,042		12,324
Ending balance	2,125		3,553		(2,853)
Unrealized Gains (Losses) on Investments Available for Sale
Increase (Decrease) in Accumulated Other Comprehensive Loss [Roll Forward]
Beginning balance	0		0		3,252
Other comprehensive income (loss) before reclassifications	0		0		(2,490)
Amounts reclassified out of accumulated other comprehensive income (loss)	0		0		(762)
Ending balance	$ 0		$ 0		$ 0
[1]	As Restated - Note 1

Shareholders' Equity - Reclassi

Shareholders' Equity - Reclassification of Amounts out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014		Dec. 31, 2013
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income On Derivatives [Line Items]
Tax expense (benefit)	$ 458,032	$ 419,885	[1]	$ 396,771	[1]
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 expense (benefit)	(18,106)	(12,193)		(7,202)
Net of tax	32,754	21,042		12,324
Reclassification out of Accumulated Other Comprehensive Income | Unrealized Gains (Losses) on Cash Flow Hedges | Interest Expense | Designated as Cash Flow Hedges
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income On Derivatives [Line Items]
Settlements of derivatives	50,860	33,235		19,526
Reclassification out of Accumulated Other Comprehensive Income | Unrealized Gains (Losses) on Investments Available for Sale
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income On Derivatives [Line Items]
Discount accretion	0	0
Tax expense (benefit)	0	0		446
Net of tax	$ 0	$ 0		(762)
Reclassification out of Accumulated Other Comprehensive Income | Unrealized Gains (Losses) on Investments Available for Sale | Interest Expense
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income On Derivatives [Line Items]
Discount accretion				$ (1,208)
[1]	As Restated - Note 1

Quarterly Financial Data (un114

Quarterly Financial Data (unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended									12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014		Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total finance and other interest income	$ 1,655,120	$ 1,611,200	$ 1,571,840	$ 1,468,959	$ 1,366,934		$ 1,362,053	$ 1,324,634	$ 1,246,787	$ 6,307,119	$ 5,300,408	[1]	$ 3,892,973	[1]
Net finance and other interest income	1,290,935									4,956,438	4,306,221	[1]	3,403,693	[1]
Provision for credit losses	902,526	771,910	616,075	674,687	726,794		802,267	549,028	604,720	2,965,198	2,682,809	[1]	1,832,494	[1]
Income before income taxes	28,765	325,236	569,354	361,970	241,321		249,188	430,232	223,381	1,285,325	1,144,122	[1]	1,105,561	[1]
Net income	$ 12,138	$ 206,626	$ 362,247	$ 246,282	$ 141,667		$ 169,888	$ 271,853	$ 140,829	$ 827,293	$ 724,237	[1]	$ 708,790	[1]
Net income per common share (basic) (in usd per share)	$ 0.03	$ 0.58	$ 1.02	$ 0.70	$ 0.41		$ 0.49	$ 0.78	$ 0.40	$ 2.33	$ 2.08	[1]	$ 2.05	[1]
Net income per common share (diluted) (in usd per share)	$ 0.03	$ 0.57	$ 1.01	$ 0.69	$ 0.40		$ 0.48	$ 0.76	$ 0.40	$ 2.31	$ 2.04	[1]	$ 2.05	[1]
Allowance for credit losses	$ 3,316,817	$ 3,090,635	$ 3,420,457	$ 3,205,100	$ 3,028,753		$ 2,876,600	$ 2,626,108	$ 2,432,529	$ 3,316,817	$ 3,028,753
Finance receivables held for investment, net	23,479,680	23,546,722	24,888,773	24,638,174	23,972,059	[1]	23,025,907	23,019,788	22,412,166	23,479,680	23,972,059	[1]
Total assets	36,570,373	36,071,025	36,146,294	34,653,809	32,396,520	[1]	30,781,981	29,894,566	28,933,031	36,570,373	32,396,520	[1]
Total equity	$ 4,424,963	4,412,705	4,314,588	3,842,836	3,593,672	[1]	3,443,902	3,264,428	3,044,816	$ 4,424,963	3,593,672	[1]
As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total finance and other interest income		1,733,526	1,683,120	1,570,289	1,455,210		1,443,488	1,383,260	1,287,702		5,569,660		$ 3,934,021
Provision for credit losses		744,140	738,735	605,981	559,524		769,689	589,136	698,594		2,616,943		1,852,967
Income before income taxes		353,006	446,694	430,676	408,591		281,766	390,124	129,507		1,209,988		1,085,088
Net income		$ 223,900	$ 285,464	$ 289,250	$ 247,033		$ 191,369	$ 246,481	$ 81,466		$ 766,349		$ 695,670
Net income per common share (basic) (in usd per share)		$ 0.63	$ 0.80	$ 0.83	$ 0.71		$ 0.55	$ 0.71	$ 0.23		$ 2.20		$ 2.01
Net income per common share (diluted) (in usd per share)		$ 0.62	$ 0.79	$ 0.81	$ 0.69		$ 0.54	$ 0.69	$ 0.23		$ 2.15		$ 2.01
Allowance for credit losses		$ 3,173,327	$ 3,530,919	$ 3,192,902	$ 3,085,261		$ 3,100,378	$ 2,882,464	$ 2,648,777		$ 3,085,261
Finance receivables held for investment, net		23,464,030	24,778,311	24,650,372	23,915,551		22,802,129	22,763,432	22,195,918		23,915,551
Total assets		35,991,228	36,039,919	34,665,571	32,342,176		30,641,292	29,732,396	28,796,233		32,342,176
Total equity		4,360,841	4,245,450	3,850,481	3,558,349		3,303,213	3,102,258	2,908,018		3,558,349
Corrections
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total finance and other interest income		(122,326)	(111,280)	(101,330)	(88,276)		(81,435)	(58,626)	(40,915)		(269,252)		$ (41,048)
Provision for credit losses		27,770	(122,660)	68,706	167,270		32,578	(40,108)	(93,874)		65,866		(20,473)
Income before income taxes		(27,770)	122,660	(68,706)	(167,270)		(32,578)	40,108	93,874		(65,866)		20,473
Net income		$ (17,274)	$ 76,783	$ (42,968)	$ (105,366)		$ (21,481)	$ 25,372	$ 59,363		$ (42,112)		$ 13,120
Net income per common share (basic) (in usd per share)		$ (0.05)	$ 0.22	$ (0.13)	$ (0.30)		$ (0.06)	$ 0.07	$ 0.17		$ (0.12)		$ 0.04
Net income per common share (diluted) (in usd per share)		$ (0.05)	$ 0.22	$ (0.12)	$ (0.29)		$ (0.06)	$ 0.07	$ 0.17		$ (0.11)		$ 0.04
Allowance for credit losses		$ (82,692)	$ (110,462)	$ 12,198	$ (56,508)		$ (223,778)	$ (256,356)	$ (216,248)		$ (56,508)		$ (122,374)		$ (101,901)
Finance receivables held for investment, net		82,692	110,462	(12,198)	56,508		223,778	256,356	216,248		56,508
Total assets		79,797	106,375	(11,762)	54,344		140,689	162,170	136,798		54,344
Total equity		$ 51,864	$ 69,138	$ (7,645)	$ 35,323		$ 140,689	$ 162,170	$ 136,798		$ 35,323
[1]	As Restated - Note 1

Investment Gains (Losses), N115

Investment Gains (Losses), Net (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014		Dec. 31, 2013
Investments, Debt and Equity Securities [Abstract]
Gain on sale of loans and leases	$ 130,370	$ 116,765		$ 40,689
Lower of cost or market adjustments	(232,271)	0		0
Other losses and impairments	(14,226)	0		0
Investment gains (losses), net	(116,127)	$ 116,765	[1]	$ 40,689	[1]
Lower of cost or market adjustments, customer default	123,254
Lower of cost or market adjustments, decline in market value	$ 109,017
[1]	As Restated - Note 1

Subsequent Events (Details)

Subsequent Events (Details)	Mar. 04, 2016USD ($)agreement	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Consumer Portfolio Segment | Retail Installment Contracts | Unpaid principal balance
Subsequent Event [Line Items]
Financing receivable		$ 900,000,000
Line of Credit, due December 2018
Subsequent Event [Line Items]
Committed Amount		1,750,000,000	$ 1,750,000,000
Line of Credit, due December 2016
Subsequent Event [Line Items]
Committed Amount		1,750,000,000	1,750,000,000
Revolving Credit Facility
Subsequent Event [Line Items]
Committed Amount		$ 15,025,904,000	$ 16,643,137,000
Subsequent Event | Line of Credit, due December 2018
Subsequent Event [Line Items]
Committed Amount	$ 1,000,000,000
Subsequent Event | Line of Credit, due December 2016
Subsequent Event [Line Items]
Committed Amount	$ 1,000,000,000
Subsequent Event | Line of Credit | Revolving Credit Facility
Subsequent Event [Line Items]
Number of loan agreements | agreement	2
Subsequent Event | SHUSA | Revolving Credit Facility
Subsequent Event [Line Items]
Committed Amount	$ 1,500,000,000