Santander Consumer USA (SC) 10-K/A 27 Oct 16 2015 FY Annual report (amended) 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/A
Document Period End Date	Dec. 31, 2015
Amendment Flag	true
Amendment Description	Amendment No. 1
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	Yes
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
Assets
Cash and cash equivalents	$ 18,893	$ 33,157
Finance receivables held for sale, net	2,859,575	46,586
Finance receivables held for investment, net	23,367,788	23,911,649
Restricted cash — $39,436 and $44,805 held for affiliates, respectively	2,236,329	1,920,857
Accrued interest receivable	395,387	364,676
Leased vehicles, net	6,497,310	4,848,593
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	267,636	498,300
Related party taxes receivable	71	467
Deferred tax asset	0	24,571
Goodwill	74,056	74,056
Intangible assets, net of amortization of $28,422 and $21,990, respectively	33,016	36,882
Due from affiliates	58,599	141,551
Other assets	582,291	426,188
Total assets	36,448,958	32,368,751
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	324,630
Federal, state and other income taxes payable	2,462	735
Deferred tax liabilities, net	881,225	463,127
Due to affiliates	58,148	88,425
Other liabilities	263,082	136,885
Total liabilities	32,016,409	28,842,535
Commitments and contingencies (Notes 7 and 12)
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	1,644,151	1,560,519
Accumulated other comprehensive income, net	2,125	3,553
Retained earnings	2,782,694	1,958,654
Total stockholders’ equity	4,432,549	3,526,216
Total liabilities and equity	36,448,958	32,368,751
Variable Interest Entities
Assets
Finance receivables held for sale, net	1,539,686	18,712
Finance receivables held for investment, net	22,658,626	21,992,901
Restricted cash — $39,436 and $44,805 held for affiliates, respectively	1,842,877	1,626,257
Leased vehicles, net	6,497,310	4,848,593
Other assets	630,017	555,509
Total assets	33,168,516	29,041,972
Liabilities:
Notes payable	30,611,019	27,822,174
Other liabilities	85,844	55,795
Total liabilities	$ 30,696,863	$ 27,877,969

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
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

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Statement [Abstract]
Interest on finance receivables and loans	$ 5,031,829	$ 4,493,413	$ 3,703,545
Leased vehicle income	1,037,793	651,590	122,794
Other finance and interest income	18,162	8,068	6,010
Total finance and other interest income	6,087,784	5,153,071	3,832,349
Interest expense — Including $162,353, $141,381, and $93,069 to affiliates, respectively	628,791	523,203	408,787
Leased vehicle expense	726,420	476,250	89,417
Net finance and other interest income	4,732,573	4,153,618	3,334,145
Provision for credit losses	2,785,871	2,521,267	1,713,906
Net finance and other interest income after provision for credit losses	1,946,702	1,632,351	1,620,239
Profit sharing	57,484	74,925	78,246
Net finance and other interest income after provision for credit losses and profit sharing	1,889,218	1,557,426	1,541,993
Investment gains (losses), net — Including ($5,654), $4,917, and $819 from affiliates, respectively	(95,214)	113,147	41,701
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	385,744	374,128	245,413
Total other income	421,643	559,902	312,578
Compensation expense	434,041	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	345,686	312,539	253,665
Total operating expenses	1,021,249	996,193	706,264
Income before income taxes	1,289,612	1,121,135	1,148,307
Income tax expense	465,572	395,851	427,142
Net income	824,040	725,284	721,165
Noncontrolling interests	0	0	(1,821)
Net income attributable to Santander Consumer USA Holdings Inc. shareholders	824,040	725,284	722,986
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 (loss), net	(1,428)	6,406	6,311
Comprehensive income	822,612	731,690	727,476
Comprehensive loss attributable to noncontrolling interests	0	0	(953)
Comprehensive income attributable to Santander Consumer USA Holdings Inc. shareholders	$ 822,612	$ 731,690	$ 728,429
Net income per common share (basic) (in usd per share)	$ 2.32	$ 2.08	$ 2.09
Net income per common share (diluted) (in usd per share)	2.31	2.04	2.09
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)	356,163,076	355,722,363	346,177,515

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 at Dec. 31, 2012		346,165,000
Beginning balance at Dec. 31, 2012	$ 2,222,903	$ 3,462	$ 1,335,572	$ (9,164)	$ 853,101	$ 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 - Note 2	721,165				722,986	(1,821)
Other comprehensive income (loss), net of taxes	6,311			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 at Dec. 31, 2013	2,695,764	$ 3,468	1,409,463	(2,853)	1,285,686	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 - Note 2	725,284				725,284
Other comprehensive income (loss), net of taxes	6,406			6,406
Dividends declared per common share	$ (52,316)				(52,316)
Ending balance, shares at Dec. 31, 2014	348,977,625	348,978,000
Ending balance at Dec. 31, 2014	$ 3,526,216	$ 3,490	1,560,519	3,553	1,958,654	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	74,228	$ 89	74,139
Purchase of treasury stock, shares		(17,000)
Purchase of treasury stock	(267)		(267)
Stock-based compensation	10,686		10,686
Tax sharing with affiliate	(926)		(926)
Net income, as restated - Note 2	824,040				824,040
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	$ 4,432,549	$ 3,579	$ 1,644,151	$ 2,125	$ 2,782,694	$ 0

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	$ 0.84

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash flows from operating activities:
Net income	$ 824,040	$ 725,284	$ 721,165
Adjustments to reconcile net income to net cash provided by operating activities:
Derivative mark to market	(1,650)	(9,685)	(14,554)
Provision for credit losses	2,785,871	2,521,267	1,713,906
Depreciation and amortization	821,782	570,989	145,193
Accretion of discount	(362,573)	(416,381)	(335,403)
Originations and purchases of receivables held for sale	(5,472,995)	(3,936,973)	(1,965,957)
Proceeds from sales of and repayments on receivables held for sale	4,662,778	4,053,051	1,904,533
Change in revolving unsecured consumer loans	(107,947)	0	0
Investment (gains) losses, net	95,214	(113,147)	(41,701)
Stock-based compensation	10,686	125,888	217
Deferred tax expense	427,283	617,068	324,790
Changes in assets and liabilities:
Accrued interest receivable	(93,089)	(68,964)	(108,001)
Accounts receivable	(8,587)	(9,895)	(8,105)
Federal income tax and other taxes	233,313	(130,689)	(363,556)
Other assets	(20,628)	(1,328)	(17,443)
Accrued interest payable	4,204	2,482	3,312
Other liabilities	59,736	62,970	150,436
Due to/from affiliates	52,268	(97,419)	(17,653)
Net cash provided by operating activities	3,909,706	3,894,518	2,091,179
Cash flows from investing activities:
Originations of and disbursements on finance receivables held for investment	(16,910,010)	(16,381,530)	(14,748,655)
Collections on finance receivables held for investment	10,178,209	9,282,673	8,134,572
Proceeds from sale of loans held for investment	2,187,328	2,823,046	913,395
Leased vehicles purchased	(5,149,481)	(4,482,921)	(2,420,882)
Manufacturer incentives received	979,183	895,964	412,897
Proceeds from sale of leased vehicles	1,931,957	465,481	18,830
Change in revolving personal loans	(438,785)	(560,388)	(911,024)
Collections on investments available for sale	0	0	91,563
Purchases of furniture and equipment	(18,798)	(19,256)	(23,353)
Sales of furniture and equipment	511	951	601
Upfront fee paid in accordance with private- label financing agreement	0	0	(150,000)
Change in restricted cash	(466,497)	(357,244)	(273,152)
Other investing activities	(8,829)	(5,921)	(6,530)
Net cash used in investing activities	(7,715,212)	(8,339,145)	(8,961,738)
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
Payments on notes payable related to secured structured financings	(11,113,459)	(9,439,255)	(7,845,301)
Sale of retained bonds	0	0	98,650
Proceeds from unsecured notes payable	6,150,000	5,082,062	4,223,822
Payments on unsecured notes payable	(7,390,631)	(5,322,030)	(3,517,755)
Proceeds from notes payable	27,379,570	25,543,242	22,954,383
Payments on notes payable	(26,554,425)	(23,310,720)	(18,935,343)
Proceeds from stock option exercises, gross	87,762	24,809	48,275
Repurchase of stock - employee tax withholding	(267)	(6,960)	1,562
Dividends paid	0	(52,316)	(290,401)
Net cash provided by financing activities	3,791,242	4,467,253	6,810,203
Net increase (decrease) in cash and cash equivalents	(14,264)	22,626	(60,356)
Cash — Beginning of year	33,157	10,531	70,887
Cash — End of year	$ 18,893	$ 33,157	$ 10,531

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 13). 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 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 3 – Finance Receivables and Note 4 – 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 8). Accordingly, changes in the fair value of these finance receivables, which are based upon fair value estimates (Note 16), 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 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 credit losses inherent in the recorded investment in the portfolio of 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 greater than 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 net charge-off represents the difference between the estimated net sales proceeds and the Company's recorded investment in the related 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 days 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 recorded investment 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 10 and 16.) 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 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 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 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 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. Such investments of zero and $6,000 at December 31, 2015 and 2014 , respectively, are included in other assets in the accompanying consolidated balance sheets and $6,000 in other investing activities in the accompanying consolidated statements of cash flows in 2013. 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 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 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 . The Company recorded $3,500 , $16,800 and zero of impairment expense on it's long-lived intangible assets in 2015 , 2014 , and 2013 , respectively and no accumulated impairment charges exist for goodwill. The Company's stock price has declined significantly since December 31, 2015, and it is reasonably possible that the Company may be required to record impairment of its $74,056 in goodwill, as well as additional impairment on its $18,000 in intangible assets not subject to amortization, in periods subsequent to December 31, 2015. 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 valu

Corrections of Errors

Corrections of Errors	12 Months Ended
	Dec. 31, 2015
Accounting Changes and Error Corrections [Abstract]
Corrections of Errors	Corrections of Errors Subsequent to the issuance of the Company’s Annual Report on Form 10-K for the year ended December 31, 2015, the Company identified errors in its historical financial statements, including for the years ended December 31, 2015, 2014 and 2013. Accordingly, the Company has restated the consolidated financial statements as of and for the years ended December 31, 2015, 2014 and 2013 to reflect the error corrections, the most significant of which are as follows: I. Errors previously disclosed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2015 filed on March 31, 2016 (the "Original 10-K"): • The Company determined that its historical methodology for estimating its credit loss allowance for individually acquired retail installment contracts held for investment 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. In addition, the Company determined that it had incorrectly identified the population of loans that should be classified and disclosed as TDRs and, separately, had incorrectly estimated the impairment on these loans, as of each of these balance sheet dates. The Company has corrected its allowance methodology accordingly, and has determined, based on this corrected methodology, the credit loss allowance reported on the consolidated balance sheets as of December 31, 2014 and 2013 was overstated by $56,508 and $122,374 , respectively. • The Company 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 subvention payments classification errors did not impact net income for any period. II. Errors identified subsequent to the filing of the Original 10-K: • The Company previously used the original contractual interest rate rather than the original effective rate as the discount rate applied to expected cash flows to determine TDR impairment. ASC 310-40-35-12 requires that expected future cash flows be discounted using the original effective interest rate. The Company has corrected the discount rate used in the determination of TDR impairment and has determined that the allowance was understated, and the net carrying balance of individually acquired retail installment contracts held for investment accordingly overstated, by $72,809 , $68,642 and $51,391 as of December 31, 2015, 2014 and 2013, respectively, related to this methodology error. This error also impacted provision for credit losses in the consolidated statements of income and comprehensive income, as noted in the tables below, and related disclosures. • The Company has determined that its application of the retrospective effective interest method for accreting discounts, subvention payments from manufacturers, and other origination costs ( collectively "discount") on individually acquired retail installment contracts held for investment was in error, as (i) these cost basis adjustments were accreted over the average life of a loan rather than the aggregate life of a loan pool, (ii) defaults were inappropriately considered in the estimate of future principal prepayments, (iii) the portfolio was not adequately segmented to consider different prepayment performance based on credit quality and term, (iv) remaining unaccreted balances at charge off were being recorded as interest income rather than as reductions of the net charge off, and (v) the unaccreted discount component of TDR carrying value was misstated, resulting in inaccurate TDR impairment. (i) The Company previously had accreted discounts over the average life of the loan portfolio. However, Examples 3 and 4 in the implementation guidance to ASC 310-20, Receivables - Nonrefundable Fees and Other Costs , provide guidance on the projection of cash flows for a pool of loans and the treatment of actual and anticipated prepayments for determining the effective interest rate under the retrospective method. The guidance demonstrates an application that aligns with the aggregate life of the loan pool rather than the average loan life concept. Under the average life method previously applied by the Company, anticipated prepayments shortened the life of the portfolio and maintained the portfolio monthly cash flows constant, i.e., incorrectly accelerated the accretion of discount. Accordingly, management has determined that the use of the average life was in error. (ii) The Company previously had considered all types of liquidations, both voluntary prepayments and charge offs, as anticipated prepayments for purposes of determining a prepayment assumption. However, the application of a prepayment assumption as described in ASC 310-20-35-26 does not allow for future expected defaults to be considered in the assumption. Accordingly, management has determined that the inclusion of future expected defaults in the anticipated prepayment assumption was in error. (iii) The Company previously had aggregated all loans in the individually acquired retail installment contract held for investment portfolio into one pool for the purpose of estimating prepayments and determining the effective interest rate under the retrospective method. ASC 310-20-35-30 provides some characteristics to be considered when aggregating a large number of similar loans for this purpose. Management has determined that there is differentiation in prepayment behavior within its loan portfolio based on characteristics including credit quality, maturity, and period of origination. Accordingly, management has determined that the absence of segmentation into pools of homogeneous loans was in error. (iv) The Company previously had recorded charge offs based on unpaid principal balance. The accretion of discount of charged off loans was previously reported as interest income. However, ASC 310-10, Receivables , refers to the recorded investment in the loan as the appropriate accounting basis. ASC 310-10-35-24 specifies that the recorded investment includes adjustments such as unamortized premium or discount. Accordingly, management has determined that unaccreted discounts remaining at charge off should be included in the net charge off amount recorded. (v) As a result of the incorrect accretion methodology, as well as the exclusion of unaccreted discount, the recorded investment in TDRs was misstated, resulting in a misstatement of TDR impairment. The Company has corrected its accretion methodology and has determined that the various aspects had the following impacts as of each balance sheet date: December 31, 2015 December 31, 2014 December 31, 2013 Overstatement of recorded investment $ 200,721 $ 140,215 $ 118,449 Overstatement of TDR impairment (65,878 ) (56,320 ) (32,906 ) Overstatement of finance receivables, net $ 134,843 $ 83,895 $ 85,543 Over/(under)statement of finance receivables held for sale, net $ 548 $ (1 ) $ 547 Overstatement of finance receivables held for investment, net $ 134,295 $ 83,896 $ 84,996 This error also had the following impacts on the consolidated statements of income and comprehensive income: December 31, 2015 December 31, 2014 December 31, 2013 Interest on finance receivables and loans $ 249,406 $ 171,392 $ 76,700 Investment gains (losses), net (25,038 ) 3,618 (1,012 ) Provision for credit losses (173,421 ) (176,657 ) (93,486 ) $ 50,947 $ (1,647 ) $ (17,798 ) • The Company previously omitted the consideration of net unaccreted discounts when estimating the allowance for credit losses for the non-TDR portfolio of individually acquired retail installment loans held for investment under ASC 450-20. Accordingly, management has determined that the omission of consideration of net unaccreted discounts in the allowance was in error. The Company has corrected its allowance methodology to take net unaccreted discounts into consideration, and has determined that the allowance was overstated, and the net carrying balance of individually acquired retail installment contracts held for investment accordingly understated, by $105,538 and $95,465 and $79,411 as of December 31, 2015, 2014 and 2013, respectively, related to this methodology error. This error also impacted the provision for credit losses in the consolidated statements of income and comprehensive income, as noted in the tables below, and related disclosures. • During the year ended December 31, 2015, the Company had recognized $12,340 in severance-related expenses, $9,881 in stock compensation expense and a liability for $115,139 in contemplation of the amounts and benefits payable to former CEO Thomas G. Dundon pursuant to a Separation Agreement among Mr. Dundon, the Company, DDFS LLC, SHUSA and Santander. However, the Company has subsequently determined that its previous accounting for the expenses and liabilities contemplated in the Separation Agreement was in error as such expenses and liabilities should not be recorded until all applicable conditions have been satisfied, including that all regulatory approvals have been obtained. Accordingly, the accompanying restated consolidated financial statements as of and for the year ended December 31, 2015 do not include any expense or liability associated with the Separation Agreement. Further, in the absence of satisfaction of applicable conditions, Mr. Dundon’s remaining unexercised vested options are considered to have expired subsequent to his termination without cause; accordingly, the restated financial statements reflect the removal of the deferred tax asset associated with the previously recorded compensation expense related to Mr. Dundon’s vested but unexercised options, and do not include Mr. Dundon’s vested options in the calculation of diluted weighted average common shares outstanding. In addition to the restatement of the Company's consolidated financial statements, certain information within the following notes to the consolidated financial statement has been restated to reflect the corrections of errors discussed above as well as other, less significant errors and/or to add disclosure language, as appropriate. • Note 3. Finance Receivables • Note 4. Leases • Note 5. Credit Loss Allowance and Credit Quality • Note 6. Goodwill and Intangibles • Note 8. Variable Interest Entities • Note 9. Derivative Financial Instruments • Note 10. Other Assets • Note 11. Income Taxes • Note 12. Commitments and Contingencies • Note 13. Related-Party Transactions • Note 15. Computation of Basic and Diluted Earnings per Common Share • Note 16. Fair Value of Financial Instruments • Note 17. Employee Benefit Plans • Note 19. Quarterly Financial Data (unaudited) • Note 20. Investment Gains (Losses), Net The following table summarizes the impacts of the corrections on the consolidated balance sheets for the years ended December 31, 2015 and 2014: December 31, 2015 As Originally Corrections As Finance receivables held for sale, net $ 2,868,603 $ (9,028 ) $ 2,859,575 Finance receivables held for investment, net 23,479,680 (111,892 ) 23,367,788 Accrued interest receivable 405,464 (10,077 ) 395,387 Leased vehicles, net 6,516,030 (18,720 ) 6,497,310 Federal, state and other income taxes receivable 267,686 (50 ) 267,636 Related party taxes receivable — 71 71 Intangible assets, net 53,316 (20,300 ) 33,016 Due from affiliates 42,665 15,934 58,599 Other assets 549,644 32,647 582,291 Total assets 36,570,373 (121,415 ) 36,448,958 Federal, state and other income taxes payable 2,449 13 2,462 Deferred tax liabilities, net 908,252 (27,027 ) 881,225 Due to affiliates 145,013 (86,865 ) 58,148 Other liabilities 277,862 (14,780 ) 263,082 Total liabilities 32,145,410 (129,001 ) 32,016,409 Additional paid-in capital 1,565,856 78,295 1,644,151 Retained earnings 2,853,403 (70,709 ) 2,782,694 Total stockholders’ equity 4,424,963 7,586 4,432,549 Total liabilities and equity 36,570,373 (121,415 ) 36,448,958 December 31, 2014 As Originally Corrections As Corrections As Finance receivables held for sale, net $ 46,585 $ — $ 46,585 $ 1 $ 46,586 Finance receivables held for investment, net 23,915,551 56,508 23,972,059 (60,410 ) 23,911,649 Leased vehicles, net 4,862,783 — 4,862,783 (14,190 ) 4,848,593 Federal, state and other income taxes receivable 502,035 — 502,035 (3,735 ) 498,300 Related party taxes receivable 459 — 459 8 467 Deferred tax asset 21,244 (2,164 ) 19,080 5,491 24,571 Intangible assets, net 53,682 — 53,682 (16,800 ) 36,882 Due from affiliates 102,457 — 102,457 39,094 141,551 Other assets 403,416 — 403,416 22,772 426,188 Total assets 32,342,176 54,344 32,396,520 (27,769 ) 32,368,751 Accounts payable and accrued expenses 315,130 — 315,130 9,500 324,630 Federal, state and other income taxes payable 319 — 319 416 735 Deferred tax liabilities, net 492,303 19,021 511,324 (48,197 ) 463,127 Due to affiliates 48,688 — 48,688 39,737 88,425 Other liabilities 98,654 — 98,654 38,231 136,885 Total liabilities 28,783,827 19,021 28,802,848 39,687 28,842,535 Retained earnings 1,990,787 35,323 2,026,110 (67,456 ) 1,958,654 Total stockholders’ equity 3,558,349 35,323 3,593,672 (67,456 ) 3,526,216 Total liabilities and equity 32,342,176 54,344 32,396,520 (27,769 ) 32,368,751 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2014 issued on March 2, 2015. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016. The following table summarizes the impacts of the corrections on the assets and liabilities related to VIEs included in the Company's consolidated financial statements as of December 31, 2015 and 2014: December 31, 2015 As Originally Corrections As Finance receivables held for investment, net 22,891,064 (232,438 ) 22,658,626 Leased vehicles, net 6,516,030 (18,720 ) 6,497,310 Various other assets 620,482 9,535 630,017 Various other liabilities 5,379 80,465 85,844 December 31, 2014 As Originally Corrections As Corrections As Finance receivables held for investment, net $ 21,366,121 $ 66,163 $ 21,432,284 $ 560,617 $ 21,992,901 Leased vehicles, net 4,862,783 — 4,862,783 (14,190 ) 4,848,593 Various other assets 1,283,280 — 1,283,280 (727,771 ) 555,509 Notes payable 27,796,999 — 27,796,999 25,175 27,822,174 Various other liabilities — — — 55,795 55,795 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2014 issued on March 2, 2015. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016. The following table summarizes the impacts of the corrections on the consolidated statements of income for the years ended December 31, 2015, 2014 and 2013: Year Ended December 31, 2015 As Originally Corrections As Interest on finance receivables and loans $ 5,251,164 $ (219,335 ) $ 5,031,829 Total finance and other interest income 6,307,119 (219,335 ) 6,087,784 Leased vehicle expense 721,890 4,530 726,420 Net finance and other interest income 4,956,438 (223,865 ) 4,732,573 Provision for credit losses 2,965,198 (179,327 ) 2,785,871 Net finance and other interest income after provision for credit losses 1,991,240 (44,538 ) 1,946,702 Net finance and other interest income after provision for credit losses and profit sharing 1,933,756 (44,538 ) 1,889,218 Investment gains (losses), net (116,127 ) 20,913 (95,214 ) Fees, commissions, and other 375,079 10,665 385,744 Total other income (loss) 390,065 31,578 421,643 Compensation expense 456,262 (22,221 ) 434,041 Other operating costs 340,712 4,974 345,686 Total operating expenses 1,038,496 (17,247 ) 1,021,249 Income before income taxes 1,285,325 4,287 1,289,612 Income tax expense 458,032 7,540 465,572 Net income $ 827,293 $ (3,253 ) $ 824,040 Comprehensive income $ 825,865 $ (3,253 ) $ 822,612 Net income per common share (basic) $ 2.33 $ (0.01 ) $ 2.32 Weighted average common shares (diluted) 358,887,151 (2,724,075 ) 356,163,076 Year Ended December 31, 2014 As Originally Corrections As Corrections As Interest on finance receivables and loans $ 4,631,847 $ — $ 4,631,847 $ (138,434 ) $ 4,493,413 Leased vehicle income 929,745 (269,252 ) 660,493 (8,903 ) 651,590 Total finance and other interest income 5,569,660 (269,252 ) 5,300,408 (147,337 ) 5,153,071 Leased vehicle expense 740,236 (269,252 ) 470,984 5,266 476,250 Net finance and other interest income 4,306,221 — 4,306,221 (152,603 ) 4,153,618 Provision for credit losses 2,616,943 65,866 2,682,809 (161,542 ) 2,521,267 Net finance and other interest income after provision for credit losses 1,689,278 (65,866 ) 1,623,412 8,939 1,632,351 Net finance and other interest income after provision for credit losses and profit sharing 1,614,353 (65,866 ) 1,548,487 8,939 1,557,426 Investment gains (losses), net 116,765 — 116,765 (3,618 ) 113,147 Fees, commissions, and other 368,279 — 368,279 5,849 374,128 Total other income (loss) 557,671 — 557,671 2,231 559,902 Other operating costs 278,382 — 278,382 34,157 312,539 Total operating expenses 962,036 — 962,036 34,157 996,193 Income before income taxes 1,209,988 (65,866 ) 1,144,122 (22,987 ) 1,121,135 Income tax expense 443,639 (23,754 ) 419,885 (24,034 ) 395,851 Net income $ 766,349 $ (42,112 ) $ 724,237 $ 1,047 $ 725,284 Comprehensive income $ 772,755 $ (42,112 ) $ 730,643 $ 1,047 $ 731,690 Net income per common share (basic) $ 2.20 $ (0.12 ) $ 2.08 $ — $ 2.08 Net income per common share (diluted) $ 2.15 $ (0.11 ) $ 2.04 $ — $ 2.04 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2014 issued on March 2, 2015. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016. Year Ended December 31, 2013 As Originally Corrections As Corrections As Interest on finance receivables and loans $ 3,773,072 $ — $ 3,773,072 $ (69,527 ) $ 3,703,545 Leased vehicle income 154,939 (41,048 ) 113,891 8,903 122,794 Total finance and other interest income 3,934,021 (41,048 ) 3,892,973 (60,624 ) 3,832,349 Leased vehicle expense 121,541 (41,048 ) 80,493 8,924 89,417 Net finance and other interest income 3,403,693 — 3,403,693 (69,548 ) 3,334,145 Provision for credit losses 1,852,967 (20,473 ) 1,832,494 (118,588 ) 1,713,906 Net finance and other interest income after provision for credit losses 1,550,726 20,473 1,571,199 49,040 1,620,239 Net finance and other interest income after provision for credit losses and profit sharing 1,472,480 20,473 1,492,953 49,040 1,541,993 Investment gains (losses), net 40,689 — 40,689 1,012 41,701 Total other income (loss) 311,566 — 311,566 1,012 312,578 Other operating costs 246,359 — 246,359 7,306 253,665 Total operating expenses 698,958 — 698,958 7,306 706,264 Income before income taxes 1,085,088 20,473 1,105,561 42,746 1,148,307 Income tax expense 389,418 7,353 396,771 30,371 427,142 Net income 695,670 13,120 708,790 12,375 721,165 Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 697,491 $ 13,120 $ 710,611 $ 12,375 $ 722,986 Comprehensive income $ 701,981 $ 13,120 $ 715,101 $ 12,375 $ 727,476 Comprehensive income attributable to Santander Consumer USA Holdings Inc. shareholders $ 702,934 $ 13,120 $ 716,054 $ 12,375 $ 728,429 Net income per common share (basic) $ 2.01 $ 0.04 $ 2.05 $ 0.04 $ 2.09 Net income per common share (diluted) $ 2.01 $ 0.04 $ 2.05 $ 0.04 $ 2.09 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2013 issued on March 6, 2014. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016. The following table summarizes the impacts of the corrections on our condensed consolidated statement of equity for the years ended December 31, 2015, 2014 and 2013: Additional Paid-In Capital As Originally Corrections As Stock issued in connection with employee incentive compensation plans $ 88,762 $ (14,623 ) $ 74,139 Stock-based compensation 20,567 (9,881 ) 10,686 Stock-based compensation reclassified to liabilities (102,799 ) 102,799 — Balance - December 31, 2015 1,565,856 78,295 1,644,151 Retained Earnings Total Stockholders’ Equity As Originally Corrections As As Originally Corrections As Balance - January 1, 2015 $ 2,026,110 $ (67,456 ) $ 1,958,654 $ 3,593,672 $ (67,456 ) $ 3,526,216 Stock issued in connection with employee incentive compensation plans — — — 88,851 (14,623 ) 74,228 Stock-based compensation — — — 20,567 (9,881 ) 10,686 Stock-based compensation reclassified to liabilities — — — (102,799 ) 102,799 — Net income 827,293 (3,253 ) 824,040 827,293 (3,253 ) 824,040 Balance - December 31, 2015 2,853,403 (70,709 ) 2,782,694 4,424,963 7,586 4,432,549 Retained Earnings As Originally Corrections As Corrections As Balance - January 1, 2014 $ 1,276,754 $ 77,435 $ 1,354,189 $ (68,503 ) $ 1,285,686 Net income 766,349 (42,112 ) 724,237 1,047 725,284 Balance - December 31, 2014 1,990,787 35,323 2,026,110 (67,456 ) 1,958,654 Total Stockholders’ Equity As Originally Corrections As Corrections As Balance - January 1, 2014 $ 2,686,832 $ 77,435 $ 2,764,267 $ (68,503 ) $ 2,695,764 Net income 766,349 (42,112 ) 724,237 1,047 725,284 Balance - December 31, 2014 3,558,349 35,323 3,593,672 (67,456 ) 3,526,216 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2014 issued on March 2, 2015. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016. Retained Earnings As Originally Corrections As Corrections As Balance - January 1, 2013 $ 869,664 $ 64,315 $ 933,979 (80,878 ) $ 853,101 Net income 697,491 13,120 710,611 12,375 722,986 Balance - December 31, 2013 1,276,754 77,435 1,354,189 (68,503 ) 1,285,686 Total Stockholders’ Equity As Originally Corrections As Corrections As Balance - January 1, 2013 $ 2,239,466 $ 64,315 $ 2,303,781 $ (80,878 ) $ 2,222,903 Net income 695,670 13,120 708,790 12,375 721,165 Balance - December 31, 2013 2,686,832 77,435 2,764,267 (68,503 ) 2,695,764 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2013 issued on March 6, 2014. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016. The following table summarizes the impact of the corrections on the consolidated statements of cash flows for the years ended December 31, 2015, 2014 and 2013: Year Ended December 31, 2015 As Originally Corrections As Cash flows from operating activities: Net income $ 827,293 $ (3,253 ) $ 824,040 Adjustments to reconcile net income to net cash provided by operating activities: Derivative mark to market (12,623 ) 10,973 (1,650 ) Provision for credit losses 2,965,198 (179,327 ) 2,785,871 Depreciation and amortization 833,071 (11,289 ) 821,782 Accretion of discount (632,402 ) 269,829 (362,573 ) Investment (gains) losses, net 116,127 (20,913 ) 95,214 Stock-based compensation 20,567 (9,881 ) 10,686 Deferred tax expense 415,660 11,623 427,283 Changes in assets and liabilities: Federal income tax and other taxes 237,396 (4,083 ) 233,313 Other assets 1,571 (22,199 ) (20,628 ) Other liabilities 125,594 (65,858 ) 59,736 Due to/from affiliates 16,949 35,319 52,268 Net cash provided by operating activities 3,898,765 10,941 3,909,706 Cash flows from investing activities: Proceeds from sale of leased vehicles 1,926,068 5,889 1,931,957 Net cash used in investing activities (7,721,101 ) 5,889 (7,715,212 ) Cash flows from financing activities: Proceeds from unsecured notes payable 7,395,000 (1,245,000 ) 6,150,000 Payments on unsecured notes payable (8,485,000 ) 1,094,369 (7,390,631 ) Proceeds from notes payable 26,134,570 1,245,000 27,379,570 Payments on notes payable (25,460,056 ) (1,094,369 ) (26,554,425 ) Cash collateral received (paid) on cash flow hedges 16,830 (16,830 ) — Net cash provided by financing activities 3,808,072 (16,830 ) 3,791,242 Year Ended December 31, 2014 As Originally Corrections As Corrections As Cash flows from operating activities: Net income $ 766,349 $ (42,112 ) $ 724,237 $ 1,047 $ 725,284 Adjustments to reconcile net income to net cash provided by operating activities: Derivative mark to market (17,541 ) — (17,541 ) 7,856 (9,685 ) Provision for credit losses 2,616,943 65,866 2,682,809 (161,542 ) 2,521,267 Depreciation and amortization 824,997 (269,252 ) 555,745 15,244 570,989 Accretion of discount (867,180 ) 269,252 (597,928 ) 181,547 (416,381 ) Investment (gains) losses, net (116,765 ) — (116,765 ) 3,618 (113,147 ) Deferred tax expense 674,094 (23,754 ) 650,340 (33,272 ) 617,068 Changes in assets and liabilities: Federal income tax and other taxes (139,927 ) — (139,927 ) 9,238 (130,689 ) Other assets 24,099 — 24,099 (25,427 ) (1,328 ) Other liabilities 95,838 — 95,838 (32,868 ) 62,970 Due to/from affiliates (128,022 ) — (128,022 ) 30,603 (97,419 ) Net cash provided by operating activities 3,898,474 — 3,898,474 (3,956 ) 3,894,518 Cash flows from financing activities: Cash collateral received (paid) on cash flow hedges (3,956 ) — (3,956 ) 3,956 — Net cash provided by financing activities 4,463,297 — 4,463,297 3,956 4,467,253 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2014 issued on March 2, 2015. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016. Year Ended December 31, 2013 As Originally Corrections As Corrections As Cash flows from operating activities: Net income $ 695,670 $ 13,120 $ 708,790 $ 12,375 $ 721,165 Adjustments to reconcile net income to net cash provided by operating activities: Derivative mark to market (21,311 ) — (21,311 ) 6,757 (14,554 ) Provision for credit losses 1,852,967 (20,473 ) 1,832,494 (118,588 ) 1,713,906 Depreciation and amortization 188,923 (41,048 ) 147,875 (2,682 ) 145,193 Accretion of discount (471,141 ) 41,048 (430,093 ) 94,690 (335,403 ) Investment (gains) losses, net (40,689 ) — (40,689 ) (1,012 ) (41,701 ) Deferred tax expense 291,263 7,353 298,616 26,174 324,790 Changes in assets and liabilities: Federal income tax and other taxes (367,753 ) — (367,753 ) 4,197 (363,556 ) Other assets (12,046 ) — (12,046 ) (5,397 ) (17,443 ) Other liabilities 159,672 — 159,672 (9,236 ) 150,436 Due to/from affiliates 19,394 — 19,394 (37,047 ) (17,653 ) Net cash provided by operating activities 2,120,948 — 2,120,948 (29,769 ) 2,091,179 Cash flows from investing activities: Proceeds from sale of leased vehicles 18,188 — 18,188 642 18,830 Net cash used in investing activities (8,962,380 ) — (8,962,380 ) 642 (8,961,738 ) Cash flows from financing activities: Cash collateral received (paid) on cash flow hedges (29,127 ) — (29,127 ) 29,127 — Net cash provided by financing activities 6,781,076 — 6,781,076 29,127 6,810,203 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2013 issued on March 6, 2014. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016.

Finance Receivables (As Restate

Finance Receivables (As Restated)	12 Months Ended
	Dec. 31, 2015
Receivables [Abstract]
Finance Receivables (As Restated)	Finance Receivables (As Restated) Finance receivables held for investment, net is comprised of the following at December 31, 2015 and 2014 : December 31, 2015 December 31, 2014 Retail installment contracts acquired individually $ 23,004,065 $ 21,271,464 Purchased receivables 239,551 679,079 Receivables from dealers 76,025 99,490 Personal loans 941 1,779,777 Capital lease receivables (Note 4) 47,206 81,839 $ 23,367,788 $ 23,911,649 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 (b) Unpaid principal balance $ 26,863,946 $ 76,941 $ 941 Credit loss allowance (Note 5) (3,197,414 ) (916 ) — Discount (722,701 ) — — Capitalized origination costs and fees 60,234 — — Net carrying balance $ 23,004,065 $ 76,025 $ 941 December 31, 2014 Retail Installment Contracts Receivables from Personal Loans Unpaid principal balance $ 24,555,106 $ 100,164 $ 2,128,769 Credit loss allowance (Note 5) (2,586,685 ) (674 ) (348,660 ) Discount (749,921 ) — (1,356 ) Capitalized origination costs 52,964 — 1,024 Net carrying balance $ 21,271,464 $ 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 Outstanding balance $ 362,212 $ 853,219 Outstanding recorded investment, net of impairment $ 239,551 $ 679,079 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 20). 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 $ 905,161 $ 45,425 Receivables from dealers — 1,161 Personal loans 1,954,414 — $ 2,859,575 $ 46,586 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 7). 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 $ 268,927 $ 407,490 $ 816,854 Accretion of accretable yield (91,157 ) (199,151 ) (409,894 ) Reclassifications from nonaccretable difference 812 60,588 530 Balance — end of year $ 178,582 $ 268,927 $ 407,490 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 8). 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 16).

Leases (As Restated)

Leases (As Restated)	12 Months Ended
	Dec. 31, 2015
Leases [Abstract]
Leases (As Restated)	Leases (As Restated) 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 $ 8,836,710 $ 6,306,277 Less: accumulated depreciation (1,510,414 ) (816,000 ) Depreciated net capitalized cost 7,326,296 5,490,277 Manufacturer subvention payments, net of accretion (a) (845,142 ) (646,232 ) Origination fees and other costs 16,156 4,548 Net book value $ 6,497,310 $ 4,848,593 (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 12). 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 (As Restated)	12 Months Ended
	Dec. 31, 2015
Loans and Leases Receivable, Allowance [Abstract]
Credit Loss Allowance and Credit Quality (As Restated)	Credit Loss Allowance and Credit Quality (As Restated) 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. For loans classified as TDRs, impairment is measured 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 $ 2,586,685 $ 674 $ 348,660 Provision for credit losses 2,433,617 242 324,634 Charge-offs (b) (3,897,480 ) — (695,918 ) Recoveries 2,101,709 — 22,624 Impact of loans transferred to held for sale (27,117 ) — — Balance — end of year $ 3,197,414 $ 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 Balance — beginning of year, as restated $ 1,949,048 $ 1,090 $ 179,350 Provision for credit losses, as restated 2,101,744 (416 ) 434,030 Charge-offs (3,187,803 ) — (286,331 ) Recoveries 1,723,696 — 21,611 Balance — end of year, as restated $ 2,586,685 $ 674 $ 348,660 Year Ended December 31, 2013 Retail Installment Receivables Personal Loans Balance — beginning of year $ 1,428,034 $ — $ — Provision for credit losses 1,506,107 1,090 192,745 Charge-offs (2,005,098 ) — (13,413 ) Recoveries 1,020,005 — 18 Balance — end of year $ 1,949,048 $ 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 $ 186,126 $ 210,208 $ 196,244 Incremental provisions for purchased receivables portfolios 475 19,448 169,353 Incremental reversal of provisions for purchased receivables portfolios (14,293 ) (43,530 ) (155,389 ) Balance — end of year $ 172,308 $ 186,126 $ 210,208 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 $149,185 , 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 3, 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 Outstanding recorded investment $ 4,601,502 $ 4,044,070 $ 17,356 Impairment (1,363,023 ) (1,172,149 ) (6,939 ) Outstanding recorded investment, net of impairment $ 3,238,479 $ 2,871,921 $ 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 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 $ 4,361,962 $ 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 Average outstanding recorded investment in TDRs $ 3,153,280 $ 14,061 $ 2,112,538 $ 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 $ 3,417,884 $ 15,418 Outstanding recorded investment after TDR $ 3,445,103 $ 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 Outstanding recorded investment before TDR $ 2,866,340 $ 18,443 $ 1,727,488 $ 9,408 Outstanding recorded investment after TDR $ 2,894,964 $ 18,359 $ 1,744,972 $ 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 $ 788,297 $ 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 Recorded investment in TDRs that subsequently defaulted $ 516,349 $ 3,437 $ 323,755 (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 (As Re

Goodwill and Intangibles (As Restated)	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangibles (As Restated)	Goodwill and Intangibles (As Restated) 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 18,000 — 18,000 Total $ 61,438 $ (28,422 ) $ 33,016 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 21,500 — 21,500 Total $ 58,872 $ (21,990 ) $ 36,882 The Company recognized impairment on intangible assets of $3,500 , $16,800 and zero during the years ended December 31, 2015, 2014 and 2013, respectively. 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 3), leased vehicles (Note 4), 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 the Annual Report on Form 10-K for the year ended December 31, 2015 (the "Original 10-K") 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 (As

Variable Interest Entities (As Restated)	12 Months Ended
	Dec. 31, 2015
Variable Interest Entity Disclosure [Abstract]
Variable Interest Entities (As Restated)	Variable Interest Entities (As Restated) 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 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 $ 18,516,641 $ 14,251,258 $ 11,589,632 Net proceeds from new securitizations (a) $ 15,232,692 $ 11,948,421 $ 10,072,311 Net proceeds from sale of retained bonds — — 98,650 Cash received for servicing fees (b) 700,156 632,957 506,571 Net distributions from Trusts (b) 1,960,418 1,829,754 1,955,645 Total cash received from Trusts $ 17,893,266 $ 14,411,132 $ 12,633,177 (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 (As Restated)	12 Months Ended
	Dec. 31, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments (As Restated)	Derivative Financial Instruments (As Restated) 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, total return swaps and a total return settlement agreement 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 ) Total return settlement 1,404,726 (53,432 ) 1,404,726 (48,893 ) 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 16 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 is obligated to make purchase price holdback payments on a periodic basis to a third-party originator of loans that the Company has purchased, when losses are lower than originally expected. The Company also is obligated to make total return settlement payments to this third-party originator in 2016 and 2017 if returns on the purchased loans are greater than originally expected. These purchase price holdback payments and total return settlement payments are considered to be derivatives, collectively referred to herein as “total return settlement,” and accordingly are marked to fair value each reporting period. 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 $ — $ 4,977 $ — $ (3,430 ) $ 1,547 Interest rate swaps - third party 3,093 — 3,093 — (3,093 ) — Back to back - Santander & affiliates 12,724 — 12,724 — (12,270 ) 454 Back to back - third party 20,253 — 20,253 — (20,253 ) — Total derivatives subject to a master netting arrangement or similar arrangement 41,047 — 41,047 — (39,046 ) 2,001 Total return swap — — — — — — Total return settlement 53,432 — 53,432 — — 53,432 Total derivatives not subject to a master netting arrangement or similar arrangement 53,432 — 53,432 — — 53,432 Total derivative liabilities $ 94,479 $ — $ 94,479 $ — $ (39,046 ) $ 55,433 Total financial liabilities $ 94,479 $ — $ 94,479 $ — $ (39,046 ) $ 55,433 December 31, 2014 Interest rate swaps - Santander & affiliates $ 15,783 $ — $ 15,783 $ — $ (4,308 ) $ 11,475 Interest rate swaps - third party 719 — 719 — (191 ) 528 Back to back - Santander & affiliates 35,602 — 35,602 — (35,602 ) — Back to back - third party 14,204 — 14,204 — (14,204 ) — Total derivatives subject to a master netting arrangement or similar arrangement 66,308 — 66,308 — (54,305 ) 12,003 Total return swap 1,736 — 1,736 — (1,736 ) — Total return settlement 48,893 — 48,893 — — 48,893 Total derivatives not subject to a master netting arrangement or similar arrangement 50,629 — 50,629 — (1,736 ) 48,893 Total derivative liabilities $ 116,937 $ — $ 116,937 $ — $ (56,041 ) $ 60,896 Total financial liabilities $ 116,937 $ — $ 116,937 $ — $ (56,041 ) $ 60,896 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: Gains (losses) recognized in interest expense $ (11,880 ) Gains (losses) recognized in operating expenses $ (10,973 ) 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: Gains (losses) recognized in interest expense $ 19,278 Gains (losses) recognized in operating expenses $ (7,856 ) 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: Gains (losses) recognized in interest expense $ 21,080 Gains (losses) recognized in operating expenses $ (6,757 ) 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 (As Restated)

Other Assets (As Restated)	12 Months Ended
	Dec. 31, 2015
Other Assets [Abstract]
Other Assets (As Restated)	Other Assets (As Restated) 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 9) 59,022 34,876 Other 16,296 6,827 $ 582,291 $ 426,188 (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 (As Restated)

Income Taxes (As Restated)	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Income Taxes (As Restated)	Income Taxes (As Restated) 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): Federal $ 33,798 $ (252,856 ) $ 47,201 State 4,491 31,639 55,151 Total current income tax expense (benefit) 38,289 (221,217 ) 102,352 Deferred income tax expense: Federal 387,686 598,065 345,655 State 39,597 19,003 (20,865 ) Total deferred income tax expense 427,283 617,068 324,790 Total income tax expense $ 465,572 $ 395,851 $ 427,142 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 Federal statutory rate 35.0 % 35.0 % 35.0 % State and local income taxes — net of federal income tax benefit 2.3 1.6 2.5 Valuation allowance (0.2 ) 0.6 0.9 Electric vehicle credit (1.8 ) (1.8 ) (0.6 ) Other 0.8 (0.1 ) (0.6 ) Effective income tax rate 36.1 % 35.3 % 37.2 % 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 and 2014, the Company had a net receivable from affiliates under the tax sharing agreement of $71 and $467 , respectively, 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: Debt issuance costs $ 3,502 $ 3,728 Receivables 598,346 652,658 Derivatives — 2,444 Capital loss carryforwards 27,013 27,150 Net operating loss carryforwards 196,172 4,598 Equity-based compensation 18,766 39,239 Credit carryforwards 79,037 42,780 Other 37,070 45,084 Total gross deferred tax assets 959,906 817,681 Deferred tax liabilities: Capitalized origination costs (18,752 ) (16,549 ) Goodwill (13,198 ) (11,136 ) Leased vehicles (1,760,918 ) (1,177,947 ) Furniture and equipment (13,212 ) (14,325 ) Original purchase discount on investments — (616 ) Derivatives (768 ) — Other (3,794 ) (2,763 ) Total gross deferred tax liabilities (1,810,642 ) (1,223,336 ) Valuation allowance (30,489 ) (32,901 ) Net deferred tax asset (liability) $ (881,225 ) $ (438,556 ) At December 31, 2015 and 2014 , the Company’s largest deferred tax liability was leased vehicles of $1,760,918 and $1,177,947 , 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 $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 $607,121 , which will begin to expire in 2036 , state net operating loss carryforwards of $179,242 , 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 $ 26,879 $ 16,243 Provision (release) (2,412 ) 6,022 10,636 Valuation allowance, end of year $ 30,489 32,901 $ 26,879 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 (As Restated)	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies (As Restated)	Commitments and Contingencies (As Restated) 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 loans are greater than originally expected. These obligations are accounted for as derivatives (Note 9). 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 4), 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 Pursuant to the terms of a Separation Agreement among former CEO Thomas G. Dundon, the Company, DDFS LLC, SHUSA and Santander, upon satisfaction of applicable conditions, including receipt of required regulatory approvals, the Company will owe Mr. Dundon a cash payment of up to $115,139 (Note 13). 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 (As

Related-Party Transactions (As Restated)	12 Months Ended
	Dec. 31, 2015
Related Party Transactions [Abstract]
Related-Party Transactions (As Restated)	Related-Party Transactions (As Restated) 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 7) $ 96,753 $ 92,209 $ 62,845 Line of credit agreement with SHUSA (Note 7) 5,299 4,299 — Letter of credit facility with Santander - New York Branch (Note 7) — 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 7) $ 6,015 $ 7,750 Line of credit agreement with SHUSA (Note 7) 267 242 Letter of credit facility with Santander - New York Branch (Note 7) — 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 9). 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. Also in connection with his departure, Mr. Dundon entered into a Separation Agreement with the Company, DDFS LLC, SHUSA and Santander. 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. Mr. Dundon would continue to serve as a Director of the Company's Board, and would 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. Also subject to applicable regulatory approvals and law, Mr. Dundon’s outstanding stock options would 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. The Separation Agreement also provided for the modification of terms for certain other equity-based awards (Note 17), subject to limitations of banking regulators and applicable law. 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. If all applicable conditions are satisfied, including receipt of required regulatory approvals, the Company will be obligated to make a cash payment to Mr. Dundon of up to $115,139 . This amount would be recorded as compensation expense in the consolidated statement of income and comprehensive income in the period in which approval is obtained. 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 (As Restated)	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings per Common Share (As Restated)	Computation of Basic and Diluted Earnings per Common Share (As Restated) 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 926,242 , 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 Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 824,040 $ 725,284 $ 722,986 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 $ 2.32 $ 2.08 $ 2.09 Earnings per common share - assuming dilution Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 824,040 $ 725,284 $ 722,986 Weighted average number of common shares outstanding (in thousands) 355,103 348,723 346,178 Effect of employee stock-based awards (in thousands) 1,060 6,999 — Weighted average number of common shares outstanding - assuming dilution (in thousands) 356,163 355,722 346,178 Earnings per common share - assuming dilution $ 2.31 $ 2.04 $ 2.09

Fair Value of Financial Instrum

Fair Value of Financial Instruments (As Restated)	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments (As Restated)	Fair Value of Financial Instruments (As Restated) 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 Cash and cash equivalents (a) 1 $ 18,893 $ 18,893 $ 33,157 $ 33,157 Finance receivables held for sale, net (b) 3 2,859,575 2,872,354 46,586 46,586 Finance receivables held for investment, net (c) 3 23,367,788 24,943,560 23,911,649 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 — Other liabilities — total return settlement (a) 53,432 — — 53,432 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 — Other liabilities — total return settlement (a) 48,893 — — 48,893 (a) The valuation 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 9). (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 following table presents the changes in retail installment contracts held for investment balances classified as Level 3 for the year ended December 31, 2015 : Fair value, December 31, 2014 $ — Settlements — Losses recognized in earnings — Additions / issuances 6,770 Fair value, December 31, 2015 $ 6,770 The following table presents the changes in the total return settlement balance, which is classified as Level 3, for the years ended December 31, 2015, 2014, and 2013: Year Ended December 31, 2015 December 31, 2014 December 31, 2013 Fair value, beginning of year $ 48,893 $ 50,385 $ 57,827 Settlements (6,434 ) (9,348 ) (14,199 ) Losses recognized in earnings 10,973 7,856 6,757 Fair value, end of year $ 53,432 $ 48,893 $ 50,385 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) $ 1,954,414 $ — $ — $ 1,954,414 $ 613,994 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 (As Rest

Employee Benefit Plans (As Restated)	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Employee Benefit Plans (As Restated)	Employee Benefit Plans (As Restated) 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. 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 (6,862,576 ) 11.47 Forfeited (300,040 ) 16.62 Options outstanding at December 31, 2015 5,675,327 $ 12.30 6.5 $ 20,151 Options exercisable at December 31, 2015 2,772,561 $ 10.17 6.1 $ 15,761 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. On July 2, 2015, Mr. Dundon exercised a right under the Separation Agreement to settle his vested options for a cash payment. Subject to limitations of banking regulators and applicable law, Mr. Dundon’s Separation Agreement also provided that his unvested stock options would vest in full and his unvested restricted stock awards would continue to vest in accordance with their terms as if he remained employed by the Company. 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. However, because the Separation Agreement did not receive the required regulatory approvals within 60 days of Mr. Dundon’s termination without cause, both the vested and unvested stock options are considered to have expired. 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 (1,095,754 ) 6.58 Forfeited or expired (923,055 ) 7.65 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) (As Restated)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Data (unaudited) (As Restated)	Quarterly Financial Data (unaudited) (As Restated) The Company has restated herein the consolidated financial statements for the years ended December 31, 2015, 2014 and 2013 for certain errors as discussed in Note 2. The impacts of the corrections on the unaudited quarterly financial information filed in the Company's Quarterly Reports on Form 10-Q/A for each quarter of 2014 and 2015 are included in the tables below: First Quarter Second Quarter Third Quarter Fourth Quarter Year Ended December 31, 2015 Total finance and other interest income $ 1,431,978 $ 1,534,246 $ 1,561,630 $ 1,559,930 Net finance and other interest income 1,108,269 1,214,857 1,215,665 1,193,782 Provision for credit losses 631,847 579,379 723,922 850,723 Income (loss) before income taxes 365,268 573,169 372,974 (21,799 ) Net income (loss) 242,445 364,715 236,435 (19,555 ) Net income (loss) per common share (basic) $ 0.69 $ 1.03 $ 0.66 $ (0.05 ) Net income (loss) per common share (diluted) $ 0.68 $ 1.02 $ 0.66 $ (0.05 ) Allowance for credit losses $ 3,117,716 $ 3,328,897 $ 2,996,924 $ 3,218,208 Finance receivables held for investment, net 24,547,674 24,800,991 23,478,376 23,367,788 Total assets 34,581,338 36,079,510 36,035,625 36,448,958 Total equity 3,771,543 4,245,763 4,451,984 4,432,549 Year Ended December 31, 2014 Total finance and other interest income $ 1,213,242 $ 1,271,962 $ 1,325,992 $ 1,341,875 Net finance and other interest income 1,007,461 1,030,157 1,070,377 1,045,623 Provision for credit losses 566,573 541,135 721,741 691,818 Income before income taxes 223,067 394,139 277,725 226,204 Net income 137,443 255,958 179,163 152,720 Net income per common share (basic) $ 0.39 $ 0.73 $ 0.51 $ 0.44 Net income per common share (diluted) $ 0.39 $ 0.72 $ 0.50 $ 0.43 Allowance for credit losses $ 2,354,798 $ 2,570,969 $ 2,785,351 $ 2,945,608 Finance receivables held for investment, net 22,369,112 22,960,369 22,979,953 23,911,649 Total assets 28,956,477 29,911,434 30,817,354 32,368,751 Total equity 2,972,927 3,176,644 3,365,393 3,526,216

Investment Gains (Losses), Net

Investment Gains (Losses), Net (As Restated)	12 Months Ended
	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Investment Gains (Losses), Net (As Restated)	Investment Gains (Losses), Net (As Restated) 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 $ 155,408 $ 113,147 $ 41,701 Lower of cost or market adjustments (236,396 ) — — Other losses and impairments (14,226 ) — — $ (95,214 ) $ 113,147 $ 41,701 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 $113,142 , 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 7). 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 7).

Description of Business, Basi30

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 3 – Finance Receivables and Note 4 – 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, 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 8). Accordingly, changes in the fair value of these finance receivables, which are based upon fair value estimates (Note 16), 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 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 credit losses inherent in the recorded investment in the portfolio of 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 greater than 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 net charge-off represents the difference between the estimated net sales proceeds and the Company's recorded investment in the related 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 days 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 recorded investment 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 10 and 16.) 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. Such investments of zero and $6,000 at December 31, 2015 and 2014 , respectively, are included in other assets in the accompanying consolidated balance sheets and $6,000 in other investing activities in the accompanying consolidated statements of cash flows in 2013.
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 . The Company recorded $3,500 , $16,800 and zero of impairment expense on it's long-lived intangible assets in 2015 , 2014 , and 2013 , respectively and no accumulated impairment charges exist for goodwill. The Company's stock price has declined significantly since December 31, 2015, and it is reasonably possible that the Company may be required to record impairment of its $74,056 in goodwill, as well as additional impairment on its $18,000 in intangible assets not subject to amortization, in periods subsequent to 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. Total Return Settlement — 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. The Company also is obligated to make total return settlement payments to this third-party originator in 2016 and 2017 if returns on the purchased loans are greater than originally expected. These purchase price holdback payments and total return settlement payments are considered to be derivatives, collectively referred to herein as “total return settlement,” and accordingly are marked to fair value each reporting period.
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 17).
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.

Corrections of Errors (Tables)

Corrections of Errors (Tables)	12 Months Ended
	Dec. 31, 2015
Accounting Changes and Error Corrections [Abstract]
Schedule of Error Corrections	The Company has corrected its accretion methodology and has determined that the various aspects had the following impacts as of each balance sheet date: December 31, 2015 December 31, 2014 December 31, 2013 Overstatement of recorded investment $ 200,721 $ 140,215 $ 118,449 Overstatement of TDR impairment (65,878 ) (56,320 ) (32,906 ) Overstatement of finance receivables, net $ 134,843 $ 83,895 $ 85,543 Over/(under)statement of finance receivables held for sale, net $ 548 $ (1 ) $ 547 Overstatement of finance receivables held for investment, net $ 134,295 $ 83,896 $ 84,996 This error also had the following impacts on the consolidated statements of income and comprehensive income: December 31, 2015 December 31, 2014 December 31, 2013 Interest on finance receivables and loans $ 249,406 $ 171,392 $ 76,700 Investment gains (losses), net (25,038 ) 3,618 (1,012 ) Provision for credit losses (173,421 ) (176,657 ) (93,486 ) $ 50,947 $ (1,647 ) $ (17,798 ) The following table summarizes the impacts of the corrections on the consolidated balance sheets for the years ended December 31, 2015 and 2014: December 31, 2015 As Originally Corrections As Finance receivables held for sale, net $ 2,868,603 $ (9,028 ) $ 2,859,575 Finance receivables held for investment, net 23,479,680 (111,892 ) 23,367,788 Accrued interest receivable 405,464 (10,077 ) 395,387 Leased vehicles, net 6,516,030 (18,720 ) 6,497,310 Federal, state and other income taxes receivable 267,686 (50 ) 267,636 Related party taxes receivable — 71 71 Intangible assets, net 53,316 (20,300 ) 33,016 Due from affiliates 42,665 15,934 58,599 Other assets 549,644 32,647 582,291 Total assets 36,570,373 (121,415 ) 36,448,958 Federal, state and other income taxes payable 2,449 13 2,462 Deferred tax liabilities, net 908,252 (27,027 ) 881,225 Due to affiliates 145,013 (86,865 ) 58,148 Other liabilities 277,862 (14,780 ) 263,082 Total liabilities 32,145,410 (129,001 ) 32,016,409 Additional paid-in capital 1,565,856 78,295 1,644,151 Retained earnings 2,853,403 (70,709 ) 2,782,694 Total stockholders’ equity 4,424,963 7,586 4,432,549 Total liabilities and equity 36,570,373 (121,415 ) 36,448,958 December 31, 2014 As Originally Corrections As Corrections As Finance receivables held for sale, net $ 46,585 $ — $ 46,585 $ 1 $ 46,586 Finance receivables held for investment, net 23,915,551 56,508 23,972,059 (60,410 ) 23,911,649 Leased vehicles, net 4,862,783 — 4,862,783 (14,190 ) 4,848,593 Federal, state and other income taxes receivable 502,035 — 502,035 (3,735 ) 498,300 Related party taxes receivable 459 — 459 8 467 Deferred tax asset 21,244 (2,164 ) 19,080 5,491 24,571 Intangible assets, net 53,682 — 53,682 (16,800 ) 36,882 Due from affiliates 102,457 — 102,457 39,094 141,551 Other assets 403,416 — 403,416 22,772 426,188 Total assets 32,342,176 54,344 32,396,520 (27,769 ) 32,368,751 Accounts payable and accrued expenses 315,130 — 315,130 9,500 324,630 Federal, state and other income taxes payable 319 — 319 416 735 Deferred tax liabilities, net 492,303 19,021 511,324 (48,197 ) 463,127 Due to affiliates 48,688 — 48,688 39,737 88,425 Other liabilities 98,654 — 98,654 38,231 136,885 Total liabilities 28,783,827 19,021 28,802,848 39,687 28,842,535 Retained earnings 1,990,787 35,323 2,026,110 (67,456 ) 1,958,654 Total stockholders’ equity 3,558,349 35,323 3,593,672 (67,456 ) 3,526,216 Total liabilities and equity 32,342,176 54,344 32,396,520 (27,769 ) 32,368,751 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2014 issued on March 2, 2015. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016. The following table summarizes the impacts of the corrections on the assets and liabilities related to VIEs included in the Company's consolidated financial statements as of December 31, 2015 and 2014: December 31, 2015 As Originally Corrections As Finance receivables held for investment, net 22,891,064 (232,438 ) 22,658,626 Leased vehicles, net 6,516,030 (18,720 ) 6,497,310 Various other assets 620,482 9,535 630,017 Various other liabilities 5,379 80,465 85,844 December 31, 2014 As Originally Corrections As Corrections As Finance receivables held for investment, net $ 21,366,121 $ 66,163 $ 21,432,284 $ 560,617 $ 21,992,901 Leased vehicles, net 4,862,783 — 4,862,783 (14,190 ) 4,848,593 Various other assets 1,283,280 — 1,283,280 (727,771 ) 555,509 Notes payable 27,796,999 — 27,796,999 25,175 27,822,174 Various other liabilities — — — 55,795 55,795 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2014 issued on March 2, 2015. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016. The following table summarizes the impacts of the corrections on the consolidated statements of income for the years ended December 31, 2015, 2014 and 2013: Year Ended December 31, 2015 As Originally Corrections As Interest on finance receivables and loans $ 5,251,164 $ (219,335 ) $ 5,031,829 Total finance and other interest income 6,307,119 (219,335 ) 6,087,784 Leased vehicle expense 721,890 4,530 726,420 Net finance and other interest income 4,956,438 (223,865 ) 4,732,573 Provision for credit losses 2,965,198 (179,327 ) 2,785,871 Net finance and other interest income after provision for credit losses 1,991,240 (44,538 ) 1,946,702 Net finance and other interest income after provision for credit losses and profit sharing 1,933,756 (44,538 ) 1,889,218 Investment gains (losses), net (116,127 ) 20,913 (95,214 ) Fees, commissions, and other 375,079 10,665 385,744 Total other income (loss) 390,065 31,578 421,643 Compensation expense 456,262 (22,221 ) 434,041 Other operating costs 340,712 4,974 345,686 Total operating expenses 1,038,496 (17,247 ) 1,021,249 Income before income taxes 1,285,325 4,287 1,289,612 Income tax expense 458,032 7,540 465,572 Net income $ 827,293 $ (3,253 ) $ 824,040 Comprehensive income $ 825,865 $ (3,253 ) $ 822,612 Net income per common share (basic) $ 2.33 $ (0.01 ) $ 2.32 Weighted average common shares (diluted) 358,887,151 (2,724,075 ) 356,163,076 Year Ended December 31, 2014 As Originally Corrections As Corrections As Interest on finance receivables and loans $ 4,631,847 $ — $ 4,631,847 $ (138,434 ) $ 4,493,413 Leased vehicle income 929,745 (269,252 ) 660,493 (8,903 ) 651,590 Total finance and other interest income 5,569,660 (269,252 ) 5,300,408 (147,337 ) 5,153,071 Leased vehicle expense 740,236 (269,252 ) 470,984 5,266 476,250 Net finance and other interest income 4,306,221 — 4,306,221 (152,603 ) 4,153,618 Provision for credit losses 2,616,943 65,866 2,682,809 (161,542 ) 2,521,267 Net finance and other interest income after provision for credit losses 1,689,278 (65,866 ) 1,623,412 8,939 1,632,351 Net finance and other interest income after provision for credit losses and profit sharing 1,614,353 (65,866 ) 1,548,487 8,939 1,557,426 Investment gains (losses), net 116,765 — 116,765 (3,618 ) 113,147 Fees, commissions, and other 368,279 — 368,279 5,849 374,128 Total other income (loss) 557,671 — 557,671 2,231 559,902 Other operating costs 278,382 — 278,382 34,157 312,539 Total operating expenses 962,036 — 962,036 34,157 996,193 Income before income taxes 1,209,988 (65,866 ) 1,144,122 (22,987 ) 1,121,135 Income tax expense 443,639 (23,754 ) 419,885 (24,034 ) 395,851 Net income $ 766,349 $ (42,112 ) $ 724,237 $ 1,047 $ 725,284 Comprehensive income $ 772,755 $ (42,112 ) $ 730,643 $ 1,047 $ 731,690 Net income per common share (basic) $ 2.20 $ (0.12 ) $ 2.08 $ — $ 2.08 Net income per common share (diluted) $ 2.15 $ (0.11 ) $ 2.04 $ — $ 2.04 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2014 issued on March 2, 2015. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016. Year Ended December 31, 2013 As Originally Corrections As Corrections As Interest on finance receivables and loans $ 3,773,072 $ — $ 3,773,072 $ (69,527 ) $ 3,703,545 Leased vehicle income 154,939 (41,048 ) 113,891 8,903 122,794 Total finance and other interest income 3,934,021 (41,048 ) 3,892,973 (60,624 ) 3,832,349 Leased vehicle expense 121,541 (41,048 ) 80,493 8,924 89,417 Net finance and other interest income 3,403,693 — 3,403,693 (69,548 ) 3,334,145 Provision for credit losses 1,852,967 (20,473 ) 1,832,494 (118,588 ) 1,713,906 Net finance and other interest income after provision for credit losses 1,550,726 20,473 1,571,199 49,040 1,620,239 Net finance and other interest income after provision for credit losses and profit sharing 1,472,480 20,473 1,492,953 49,040 1,541,993 Investment gains (losses), net 40,689 — 40,689 1,012 41,701 Total other income (loss) 311,566 — 311,566 1,012 312,578 Other operating costs 246,359 — 246,359 7,306 253,665 Total operating expenses 698,958 — 698,958 7,306 706,264 Income before income taxes 1,085,088 20,473 1,105,561 42,746 1,148,307 Income tax expense 389,418 7,353 396,771 30,371 427,142 Net income 695,670 13,120 708,790 12,375 721,165 Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 697,491 $ 13,120 $ 710,611 $ 12,375 $ 722,986 Comprehensive income $ 701,981 $ 13,120 $ 715,101 $ 12,375 $ 727,476 Comprehensive income attributable to Santander Consumer USA Holdings Inc. shareholders $ 702,934 $ 13,120 $ 716,054 $ 12,375 $ 728,429 Net income per common share (basic) $ 2.01 $ 0.04 $ 2.05 $ 0.04 $ 2.09 Net income per common share (diluted) $ 2.01 $ 0.04 $ 2.05 $ 0.04 $ 2.09 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2013 issued on March 6, 2014. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016. The following table summarizes the impacts of the corrections on our condensed consolidated statement of equity for the years ended December 31, 2015, 2014 and 2013: Additional Paid-In Capital As Originally Corrections As Stock issued in connection with employee incentive compensation plans $ 88,762 $ (14,623 ) $ 74,139 Stock-based compensation 20,567 (9,881 ) 10,686 Stock-based compensation reclassified to liabilities (102,799 ) 102,799 — Balance - December 31, 2015 1,565,856 78,295 1,644,151 Retained Earnings Total Stockholders’ Equity As Originally Corrections As As Originally Corrections As Balance - January 1, 2015 $ 2,026,110 $ (67,456 ) $ 1,958,654 $ 3,593,672 $ (67,456 ) $ 3,526,216 Stock issued in connection with employee incentive compensation plans — — — 88,851 (14,623 ) 74,228 Stock-based compensation — — — 20,567 (9,881 ) 10,686 Stock-based compensation reclassified to liabilities — — — (102,799 ) 102,799 — Net income 827,293 (3,253 ) 824,040 827,293 (3,253 ) 824,040 Balance - December 31, 2015 2,853,403 (70,709 ) 2,782,694 4,424,963 7,586 4,432,549 Retained Earnings As Originally Corrections As Corrections As Balance - January 1, 2014 $ 1,276,754 $ 77,435 $ 1,354,189 $ (68,503 ) $ 1,285,686 Net income 766,349 (42,112 ) 724,237 1,047 725,284 Balance - December 31, 2014 1,990,787 35,323 2,026,110 (67,456 ) 1,958,654 Total Stockholders’ Equity As Originally Corrections As Corrections As Balance - January 1, 2014 $ 2,686,832 $ 77,435 $ 2,764,267 $ (68,503 ) $ 2,695,764 Net income 766,349 (42,112 ) 724,237 1,047 725,284 Balance - December 31, 2014 3,558,349 35,323 3,593,672 (67,456 ) 3,526,216 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2014 issued on March 2, 2015. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016. Retained Earnings As Originally Corrections As Corrections As Balance - January 1, 2013 $ 869,664 $ 64,315 $ 933,979 (80,878 ) $ 853,101 Net income 697,491 13,120 710,611 12,375 722,986 Balance - December 31, 2013 1,276,754 77,435 1,354,189 (68,503 ) 1,285,686 Total Stockholders’ Equity As Originally Corrections As Corrections As Balance - January 1, 2013 $ 2,239,466 $ 64,315 $ 2,303,781 $ (80,878 ) $ 2,222,903 Net income 695,670 13,120 708,790 12,375 721,165 Balance - December 31, 2013 2,686,832 77,435 2,764,267 (68,503 ) 2,695,764 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2013 issued on March 6, 2014. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016. The following table summarizes the impact of the corrections on the consolidated statements of cash flows for the years ended December 31, 2015, 2014 and 2013: Year Ended December 31, 2015 As Originally Corrections As Cash flows from operating activities: Net income $ 827,293 $ (3,253 ) $ 824,040 Adjustments to reconcile net income to net cash provided by operating activities: Derivative mark to market (12,623 ) 10,973 (1,650 ) Provision for credit losses 2,965,198 (179,327 ) 2,785,871 Depreciation and amortization 833,071 (11,289 ) 821,782 Accretion of discount (632,402 ) 269,829 (362,573 ) Investment (gains) losses, net 116,127 (20,913 ) 95,214 Stock-based compensation 20,567 (9,881 ) 10,686 Deferred tax expense 415,660 11,623 427,283 Changes in assets and liabilities: Federal income tax and other taxes 237,396 (4,083 ) 233,313 Other assets 1,571 (22,199 ) (20,628 ) Other liabilities 125,594 (65,858 ) 59,736 Due to/from affiliates 16,949 35,319 52,268 Net cash provided by operating activities 3,898,765 10,941 3,909,706 Cash flows from investing activities: Proceeds from sale of leased vehicles 1,926,068 5,889 1,931,957 Net cash used in investing activities (7,721,101 ) 5,889 (7,715,212 ) Cash flows from financing activities: Proceeds from unsecured notes payable 7,395,000 (1,245,000 ) 6,150,000 Payments on unsecured notes payable (8,485,000 ) 1,094,369 (7,390,631 ) Proceeds from notes payable 26,134,570 1,245,000 27,379,570 Payments on notes payable (25,460,056 ) (1,094,369 ) (26,554,425 ) Cash collateral received (paid) on cash flow hedges 16,830 (16,830 ) — Net cash provided by financing activities 3,808,072 (16,830 ) 3,791,242 Year Ended December 31, 2014 As Originally Corrections As Corrections As Cash flows from operating activities: Net income $ 766,349 $ (42,112 ) $ 724,237 $ 1,047 $ 725,284 Adjustments to reconcile net income to net cash provided by operating activities: Derivative mark to market (17,541 ) — (17,541 ) 7,856 (9,685 ) Provision for credit losses 2,616,943 65,866 2,682,809 (161,542 ) 2,521,267 Depreciation and amortization 824,997 (269,252 ) 555,745 15,244 570,989 Accretion of discount (867,180 ) 269,252 (597,928 ) 181,547 (416,381 ) Investment (gains) losses, net (116,765 ) — (116,765 ) 3,618 (113,147 ) Deferred tax expense 674,094 (23,754 ) 650,340 (33,272 ) 617,068 Changes in assets and liabilities: Federal income tax and other taxes (139,927 ) — (139,927 ) 9,238 (130,689 ) Other assets 24,099 — 24,099 (25,427 ) (1,328 ) Other liabilities 95,838 — 95,838 (32,868 ) 62,970 Due to/from affiliates (128,022 ) — (128,022 ) 30,603 (97,419 ) Net cash provided by operating activities 3,898,474 — 3,898,474 (3,956 ) 3,894,518 Cash flows from financing activities: Cash collateral received (paid) on cash flow hedges (3,956 ) — (3,956 ) 3,956 — Net cash provided by financing activities 4,463,297 — 4,463,297 3,956 4,467,253 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2014 issued on March 2, 2015. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016. Year Ended December 31, 2013 As Originally Corrections As Corrections As Cash flows from operating activities: Net income $ 695,670 $ 13,120 $ 708,790 $ 12,375 $ 721,165 Adjustments to reconcile net income to net cash provided by operating activities: Derivative mark to market (21,311 ) — (21,311 ) 6,757 (14,554 ) Provision for credit losses 1,852,967 (20,473 ) 1,832,494 (118,588 ) 1,713,906 Depreciation and amortization 188,923 (41,048 ) 147,875 (2,682 ) 145,193 Accretion of discount (471,141 ) 41,048 (430,093 ) 94,690 (335,403 ) Investment (gains) losses, net (40,689 ) — (40,689 ) (1,012 ) (41,701 ) Deferred tax expense 291,263 7,353 298,616 26,174 324,790 Changes in assets and liabilities: Federal income tax and other taxes (367,753 ) — (367,753 ) 4,197 (363,556 ) Other assets (12,046 ) — (12,046 ) (5,397 ) (17,443 ) Other liabilities 159,672 — 159,672 (9,236 ) 150,436 Due to/from affiliates 19,394 — 19,394 (37,047 ) (17,653 ) Net cash provided by operating activities 2,120,948 — 2,120,948 (29,769 ) 2,091,179 Cash flows from investing activities: Proceeds from sale of leased vehicles 18,188 — 18,188 642 18,830 Net cash used in investing activities (8,962,380 ) — (8,962,380 ) 642 (8,961,738 ) Cash flows from financing activities: Cash collateral received (paid) on cash flow hedges (29,127 ) — (29,127 ) 29,127 — Net cash provided by financing activities 6,781,076 — 6,781,076 29,127 6,810,203 (a) Originally reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2013 issued on March 6, 2014. (b) Reported amounts included in the Annual Report on Form 10-K for the year ended December 31, 2015 issued on March 31, 2016.

Finance Receivables (As Resta32

Finance Receivables (As Restated) (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 Retail installment contracts acquired individually $ 23,004,065 $ 21,271,464 Purchased receivables 239,551 679,079 Receivables from dealers 76,025 99,490 Personal loans 941 1,779,777 Capital lease receivables (Note 4) 47,206 81,839 $ 23,367,788 $ 23,911,649 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 (b) Unpaid principal balance $ 26,863,946 $ 76,941 $ 941 Credit loss allowance (Note 5) (3,197,414 ) (916 ) — Discount (722,701 ) — — Capitalized origination costs and fees 60,234 — — Net carrying balance $ 23,004,065 $ 76,025 $ 941 December 31, 2014 Retail Installment Contracts Receivables from Personal Loans Unpaid principal balance $ 24,555,106 $ 100,164 $ 2,128,769 Credit loss allowance (Note 5) (2,586,685 ) (674 ) (348,660 ) Discount (749,921 ) — (1,356 ) Capitalized origination costs 52,964 — 1,024 Net carrying balance $ 21,271,464 $ 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 Outstanding balance $ 362,212 $ 853,219 Outstanding recorded investment, net of impairment $ 239,551 $ 679,079
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 $ 905,161 $ 45,425 Receivables from dealers — 1,161 Personal loans 1,954,414 — $ 2,859,575 $ 46,586
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 $ 268,927 $ 407,490 $ 816,854 Accretion of accretable yield (91,157 ) (199,151 ) (409,894 ) Reclassifications from nonaccretable difference 812 60,588 530 Balance — end of year $ 178,582 $ 268,927 $ 407,490

Leases (As Restated) (Tables)

Leases (As Restated) (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 $ 8,836,710 $ 6,306,277 Less: accumulated depreciation (1,510,414 ) (816,000 ) Depreciated net capitalized cost 7,326,296 5,490,277 Manufacturer subvention payments, net of accretion (a) (845,142 ) (646,232 ) Origination fees and other costs 16,156 4,548 Net book value $ 6,497,310 $ 4,848,593 (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 Cre34

Credit Loss Allowance and Credit Quality (As Restated) (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 $ 2,586,685 $ 674 $ 348,660 Provision for credit losses 2,433,617 242 324,634 Charge-offs (b) (3,897,480 ) — (695,918 ) Recoveries 2,101,709 — 22,624 Impact of loans transferred to held for sale (27,117 ) — — Balance — end of year $ 3,197,414 $ 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 Balance — beginning of year, as restated $ 1,949,048 $ 1,090 $ 179,350 Provision for credit losses, as restated 2,101,744 (416 ) 434,030 Charge-offs (3,187,803 ) — (286,331 ) Recoveries 1,723,696 — 21,611 Balance — end of year, as restated $ 2,586,685 $ 674 $ 348,660 Year Ended December 31, 2013 Retail Installment Receivables Personal Loans Balance — beginning of year $ 1,428,034 $ — $ — Provision for credit losses 1,506,107 1,090 192,745 Charge-offs (2,005,098 ) — (13,413 ) Recoveries 1,020,005 — 18 Balance — end of year $ 1,949,048 $ 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 $ 186,126 $ 210,208 $ 196,244 Incremental provisions for purchased receivables portfolios 475 19,448 169,353 Incremental reversal of provisions for purchased receivables portfolios (14,293 ) (43,530 ) (155,389 ) Balance — end of year $ 172,308 $ 186,126 $ 210,208
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 Outstanding recorded investment $ 4,601,502 $ 4,044,070 $ 17,356 Impairment (1,363,023 ) (1,172,149 ) (6,939 ) Outstanding recorded investment, net of impairment $ 3,238,479 $ 2,871,921 $ 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 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 $ 4,361,962 $ 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 Average outstanding recorded investment in TDRs $ 3,153,280 $ 14,061 $ 2,112,538 $ 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 $ 3,417,884 $ 15,418 Outstanding recorded investment after TDR $ 3,445,103 $ 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 Outstanding recorded investment before TDR $ 2,866,340 $ 18,443 $ 1,727,488 $ 9,408 Outstanding recorded investment after TDR $ 2,894,964 $ 18,359 $ 1,744,972 $ 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 $ 788,297 $ 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 Recorded investment in TDRs that subsequently defaulted $ 516,349 $ 3,437 $ 323,755 (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 (As 35

Goodwill and Intangibles (As Restated) (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 18,000 — 18,000 Total $ 61,438 $ (28,422 ) $ 33,016 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 21,500 — 21,500 Total $ 58,872 $ (21,990 ) $ 36,882
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 18,000 — 18,000 Total $ 61,438 $ (28,422 ) $ 33,016 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 21,500 — 21,500 Total $ 58,872 $ (21,990 ) $ 36,882
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 (A37

Variable Interest Entities (As Restated) (Tables)	12 Months Ended
	Dec. 31, 2015
Variable Interest Entity Disclosure [Abstract]
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 $ 18,516,641 $ 14,251,258 $ 11,589,632 Net proceeds from new securitizations (a) $ 15,232,692 $ 11,948,421 $ 10,072,311 Net proceeds from sale of retained bonds — — 98,650 Cash received for servicing fees (b) 700,156 632,957 506,571 Net distributions from Trusts (b) 1,960,418 1,829,754 1,955,645 Total cash received from Trusts $ 17,893,266 $ 14,411,132 $ 12,633,177 (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 Instrume38

Derivative Financial Instruments (As Restated) (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 ) Total return settlement 1,404,726 (53,432 ) 1,404,726 (48,893 )
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 $ — $ 4,977 $ — $ (3,430 ) $ 1,547 Interest rate swaps - third party 3,093 — 3,093 — (3,093 ) — Back to back - Santander & affiliates 12,724 — 12,724 — (12,270 ) 454 Back to back - third party 20,253 — 20,253 — (20,253 ) — Total derivatives subject to a master netting arrangement or similar arrangement 41,047 — 41,047 — (39,046 ) 2,001 Total return swap — — — — — — Total return settlement 53,432 — 53,432 — — 53,432 Total derivatives not subject to a master netting arrangement or similar arrangement 53,432 — 53,432 — — 53,432 Total derivative liabilities $ 94,479 $ — $ 94,479 $ — $ (39,046 ) $ 55,433 Total financial liabilities $ 94,479 $ — $ 94,479 $ — $ (39,046 ) $ 55,433 December 31, 2014 Interest rate swaps - Santander & affiliates $ 15,783 $ — $ 15,783 $ — $ (4,308 ) $ 11,475 Interest rate swaps - third party 719 — 719 — (191 ) 528 Back to back - Santander & affiliates 35,602 — 35,602 — (35,602 ) — Back to back - third party 14,204 — 14,204 — (14,204 ) — Total derivatives subject to a master netting arrangement or similar arrangement 66,308 — 66,308 — (54,305 ) 12,003 Total return swap 1,736 — 1,736 — (1,736 ) — Total return settlement 48,893 — 48,893 — — 48,893 Total derivatives not subject to a master netting arrangement or similar arrangement 50,629 — 50,629 — (1,736 ) 48,893 Total derivative liabilities $ 116,937 $ — $ 116,937 $ — $ (56,041 ) $ 60,896 Total financial liabilities $ 116,937 $ — $ 116,937 $ — $ (56,041 ) $ 60,896
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: Gains (losses) recognized in interest expense $ (11,880 ) Gains (losses) recognized in operating expenses $ (10,973 ) 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: Gains (losses) recognized in interest expense $ 19,278 Gains (losses) recognized in operating expenses $ (7,856 ) 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: Gains (losses) recognized in interest expense $ 21,080 Gains (losses) recognized in operating expenses $ (6,757 )

Other Assets (As Restated) (Tab

Other Assets (As Restated) (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 9) 59,022 34,876 Other 16,296 6,827 $ 582,291 $ 426,188 (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 (As Restated) (Tab

Income Taxes (As Restated) (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): Federal $ 33,798 $ (252,856 ) $ 47,201 State 4,491 31,639 55,151 Total current income tax expense (benefit) 38,289 (221,217 ) 102,352 Deferred income tax expense: Federal 387,686 598,065 345,655 State 39,597 19,003 (20,865 ) Total deferred income tax expense 427,283 617,068 324,790 Total income tax expense $ 465,572 $ 395,851 $ 427,142
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 Federal statutory rate 35.0 % 35.0 % 35.0 % State and local income taxes — net of federal income tax benefit 2.3 1.6 2.5 Valuation allowance (0.2 ) 0.6 0.9 Electric vehicle credit (1.8 ) (1.8 ) (0.6 ) Other 0.8 (0.1 ) (0.6 ) Effective income tax rate 36.1 % 35.3 % 37.2 %
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: Debt issuance costs $ 3,502 $ 3,728 Receivables 598,346 652,658 Derivatives — 2,444 Capital loss carryforwards 27,013 27,150 Net operating loss carryforwards 196,172 4,598 Equity-based compensation 18,766 39,239 Credit carryforwards 79,037 42,780 Other 37,070 45,084 Total gross deferred tax assets 959,906 817,681 Deferred tax liabilities: Capitalized origination costs (18,752 ) (16,549 ) Goodwill (13,198 ) (11,136 ) Leased vehicles (1,760,918 ) (1,177,947 ) Furniture and equipment (13,212 ) (14,325 ) Original purchase discount on investments — (616 ) Derivatives (768 ) — Other (3,794 ) (2,763 ) Total gross deferred tax liabilities (1,810,642 ) (1,223,336 ) Valuation allowance (30,489 ) (32,901 ) Net deferred tax asset (liability) $ (881,225 ) $ (438,556 )
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 $ 26,879 $ 16,243 Provision (release) (2,412 ) 6,022 10,636 Valuation allowance, end of year $ 30,489 32,901 $ 26,879
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 Contingencies41

Commitments and Contingencies (As Restated) (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 (A42

Related-Party Transactions (As Restated) (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 7) $ 96,753 $ 92,209 $ 62,845 Line of credit agreement with SHUSA (Note 7) 5,299 4,299 — Letter of credit facility with Santander - New York Branch (Note 7) — 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 7) $ 6,015 $ 7,750 Line of credit agreement with SHUSA (Note 7) 267 242 Letter of credit facility with Santander - New York Branch (Note 7) — 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 Inform43

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 Dilu44

Computation of Basic and Diluted Earnings per Common Share (As Restated) (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 Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 824,040 $ 725,284 $ 722,986 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 $ 2.32 $ 2.08 $ 2.09 Earnings per common share - assuming dilution Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 824,040 $ 725,284 $ 722,986 Weighted average number of common shares outstanding (in thousands) 355,103 348,723 346,178 Effect of employee stock-based awards (in thousands) 1,060 6,999 — Weighted average number of common shares outstanding - assuming dilution (in thousands) 356,163 355,722 346,178 Earnings per common share - assuming dilution $ 2.31 $ 2.04 $ 2.09

Fair Value of Financial Instr45

Fair Value of Financial Instruments (As Restated) (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 Cash and cash equivalents (a) 1 $ 18,893 $ 18,893 $ 33,157 $ 33,157 Finance receivables held for sale, net (b) 3 2,859,575 2,872,354 46,586 46,586 Finance receivables held for investment, net (c) 3 23,367,788 24,943,560 23,911,649 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 — Other liabilities — total return settlement (a) 53,432 — — 53,432 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 — Other liabilities — total return settlement (a) 48,893 — — 48,893 (a) The valuation 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 9). (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 Assets	The following table presents the changes in retail installment contracts held for investment balances classified as Level 3 for the year ended December 31, 2015 : Fair value, December 31, 2014 $ — Settlements — Losses recognized in earnings — Additions / issuances 6,770 Fair value, December 31, 2015 $ 6,770
Schedule of Changes in Level 3 Liabilities	The following table presents the changes in the total return settlement balance, which is classified as Level 3, for the years ended December 31, 2015, 2014, and 2013: Year Ended December 31, 2015 December 31, 2014 December 31, 2013 Fair value, beginning of year $ 48,893 $ 50,385 $ 57,827 Settlements (6,434 ) (9,348 ) (14,199 ) Losses recognized in earnings 10,973 7,856 6,757 Fair value, end of year $ 53,432 $ 48,893 $ 50,385
Assets and Liabilities Measured at Fair Value on Nonrecurring Basis	he 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) $ 1,954,414 $ — $ — $ 1,954,414 $ 613,994 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 (As Re46

Employee Benefit Plans (As Restated) (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 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 (1,095,754 ) 6.58 Forfeited or expired (923,055 ) 7.65 Non-vested at December 31, 2015 2,902,766 $ 6.68 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 (6,862,576 ) 11.47 Forfeited (300,040 ) 16.62 Options outstanding at December 31, 2015 5,675,327 $ 12.30 6.5 $ 20,151 Options exercisable at December 31, 2015 2,772,561 $ 10.17 6.1 $ 15,761 Options expected to vest at December 31, 2015 2,574,904 $ 14.49 6.9
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 (una48

Quarterly Financial Data (unaudited) (As Restated) (Tables)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Schedule of Quarterly Financial Information	First Quarter Second Quarter Third Quarter Fourth Quarter Year Ended December 31, 2015 Total finance and other interest income $ 1,431,978 $ 1,534,246 $ 1,561,630 $ 1,559,930 Net finance and other interest income 1,108,269 1,214,857 1,215,665 1,193,782 Provision for credit losses 631,847 579,379 723,922 850,723 Income (loss) before income taxes 365,268 573,169 372,974 (21,799 ) Net income (loss) 242,445 364,715 236,435 (19,555 ) Net income (loss) per common share (basic) $ 0.69 $ 1.03 $ 0.66 $ (0.05 ) Net income (loss) per common share (diluted) $ 0.68 $ 1.02 $ 0.66 $ (0.05 ) Allowance for credit losses $ 3,117,716 $ 3,328,897 $ 2,996,924 $ 3,218,208 Finance receivables held for investment, net 24,547,674 24,800,991 23,478,376 23,367,788 Total assets 34,581,338 36,079,510 36,035,625 36,448,958 Total equity 3,771,543 4,245,763 4,451,984 4,432,549 Year Ended December 31, 2014 Total finance and other interest income $ 1,213,242 $ 1,271,962 $ 1,325,992 $ 1,341,875 Net finance and other interest income 1,007,461 1,030,157 1,070,377 1,045,623 Provision for credit losses 566,573 541,135 721,741 691,818 Income before income taxes 223,067 394,139 277,725 226,204 Net income 137,443 255,958 179,163 152,720 Net income per common share (basic) $ 0.39 $ 0.73 $ 0.51 $ 0.44 Net income per common share (diluted) $ 0.39 $ 0.72 $ 0.50 $ 0.43 Allowance for credit losses $ 2,354,798 $ 2,570,969 $ 2,785,351 $ 2,945,608 Finance receivables held for investment, net 22,369,112 22,960,369 22,979,953 23,911,649 Total assets 28,956,477 29,911,434 30,817,354 32,368,751 Total equity 2,972,927 3,176,644 3,365,393 3,526,216

Investment Gains (Losses), Ne49

Investment Gains (Losses), Net (As Restated) (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 $ 155,408 $ 113,147 $ 41,701 Lower of cost or market adjustments (236,396 ) — — Other losses and impairments (14,226 ) — — $ (95,214 ) $ 113,147 $ 41,701

Description of Business, Basi50

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)segmententity	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Oct. 15, 2015	Sep. 30, 2015USD ($)	Jun. 30, 2015USD ($)	Mar. 31, 2015USD ($)	Sep. 30, 2014USD ($)	Jun. 30, 2014USD ($)	Mar. 31, 2014USD ($)
Basis Of Presentation And Significant Accounting Policies [Line Items]
Credit loss allowance		$ (3,218,208)	$ (2,945,608)			$ (2,996,924)	$ (3,328,897)	$ (3,117,716)	$ (2,785,351)	$ (2,570,969)	$ (2,354,798)
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
Investments included in other assets		$ 0	6,000	6,000
Long-lived intangible assets, impairment expense		$ 3,500	16,800	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	13,069	10,502
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
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	$ 0
Scenario, Forecast
Basis Of Presentation And Significant Accounting Policies [Line Items]
Goodwill, impairment expense	$ 74,056
Long-lived intangible assets, impairment expense	$ 18,000

Corrections of Errors - Narrati

Corrections of Errors - Narrative (Details) - USD ($) $ in Thousands	Jan. 23, 2014	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
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Allowance for credit losses		$ 3,218,208	$ 2,996,924	$ 3,328,897	$ 3,117,716	$ 2,945,608	$ 2,785,351	$ 2,570,969	$ 2,354,798
Stock compensation expense	$ 117,770
Overstatement due to Incorrect Treatment of TDRs in Calculating Credit Loss Allowance | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Allowance for credit losses						56,508				$ 122,374
Retail Installment Contracts | Understatement due to Incorrect Discount Rate Used in Determination of TDR Impairment | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Allowance for credit losses		72,809				68,642				51,391
Retail Installment Contracts | Overstatement due to Incorrect Discount Rate Used in Determination of TDR Impairment | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Financing receivable		72,809				68,642				51,391
Retail Installment Contracts | Understatement due to Exclusion of Consideration of Net Discounts in Allowance Methodology | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Financing receivable		105,538				95,465				79,411
Retail Installment Contracts | Overstatement due to Exclusion of Consideration of Net Discounts in Allowance Methodology | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Allowance for credit losses		105,538				$ 95,465				$ 79,411
Chairman and CEO | Separation Agreement | Overstatement due to Incorrect Accounting of Payments and Benefits due to CEO | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Severance related expenses		12,340
Stock compensation expense		9,881
Compensation liability		$ 115,139

Corrections of Errors - Additio

Corrections of Errors - Additional Information (Details) - USD ($) $ 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
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for sale, net	$ 2,859,575				$ 46,586				$ 2,859,575	$ 46,586
Finance receivables held for investment, net	23,367,788	$ 23,478,376	$ 24,800,991	$ 24,547,674	23,911,649	$ 22,979,953	$ 22,960,369	$ 22,369,112	23,367,788	23,911,649
Interest on finance receivables and loans									5,031,829	4,493,413	$ 3,703,545
Investment gains, net									(95,214)	113,147	41,701
Provision for credit losses	(850,723)	(723,922)	(579,379)	(631,847)	(691,818)	(721,741)	(541,135)	(566,573)	(2,785,871)	(2,521,267)	(1,713,906)
Net income	(19,555)	$ 236,435	$ 364,715	$ 242,445	152,720	$ 179,163	$ 255,958	$ 137,443	824,040	725,284	722,986
As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for sale, net	2,868,603								2,868,603
Finance receivables held for investment, net	23,479,680								23,479,680
Interest on finance receivables and loans									5,251,164
Investment gains, net									(116,127)
Provision for credit losses									(2,965,198)
Net income									827,293
Overstatement (Understatement) due to Incorrect Accretion Methodology | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Overstatement of recorded investment	200,721				140,215				200,721	140,215	118,449
Overstatement of TDR impairment	(65,878)				(56,320)				(65,878)	(56,320)	(32,906)
Financing receivables, net	134,843				83,895				134,843	83,895	85,543
Finance receivables held for sale, net	548				(1)				548	(1)	547
Finance receivables held for investment, net	$ 134,295				$ 83,896				134,295	83,896	84,996
Interest on finance receivables and loans									249,406	171,392	76,700
Investment gains, net									(25,038)	3,618	(1,012)
Provision for credit losses									(173,421)	(176,657)	(93,486)
Net income									$ 50,947	$ (1,647)	$ (17,798)

Corrections of Errors - Consoli

Corrections of Errors - Consolidated Balance Sheet (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
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for sale, net	$ 2,859,575				$ 46,586
Finance receivables held for investment, net	23,367,788	$ 23,478,376	$ 24,800,991	$ 24,547,674	23,911,649	$ 22,979,953	$ 22,960,369	$ 22,369,112
Accrued interest receivable	395,387				364,676
Leased vehicles, net	6,497,310				4,848,593
Federal, state and other income taxes receivable	267,636				498,300
Related party taxes receivable	71				467
Deferred tax asset	0				24,571
Intangible assets, net of amortization of $28,422 and $21,990, respectively	33,016				36,882
Due from affiliates	58,599				141,551
Other assets	582,291				426,188
Total assets	36,448,958	36,035,625	36,079,510	34,581,338	32,368,751	30,817,354	29,911,434	28,956,477
Accounts payable and accrued expenses	413,269				324,630
Federal, state and other income taxes payable	2,462				735
Deferred tax liabilities, net	881,225				463,127
Due to affiliates	58,148				88,425
Other liabilities	263,082				136,885
Total liabilities	32,016,409				28,842,535
Additional paid-in capital	1,644,151				1,560,519
Retained earnings	2,782,694				1,958,654
Total stockholders’ equity	4,432,549	$ 4,451,984	$ 4,245,763	$ 3,771,543	3,526,216	$ 3,365,393	$ 3,176,644	$ 2,972,927
Total liabilities and equity	36,448,958				32,368,751
As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for sale, net	2,868,603
Finance receivables held for investment, net	23,479,680
Accrued interest receivable	405,464
Leased vehicles, net	6,516,030
Federal, state and other income taxes receivable	267,686
Related party taxes receivable	0
Intangible assets, net of amortization of $28,422 and $21,990, respectively	53,316
Due from affiliates	42,665
Other assets	549,644
Total assets	36,570,373
Federal, state and other income taxes payable	2,449
Deferred tax liabilities, net	908,252
Due to affiliates	145,013
Other liabilities	277,862
Total liabilities	32,145,410
Additional paid-in capital	1,565,856
Retained earnings	2,853,403
Total stockholders’ equity	4,424,963
Total liabilities and equity	36,570,373
As Reported | First Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for sale, net					46,585
Finance receivables held for investment, net					23,915,551
Leased vehicles, net					4,862,783
Federal, state and other income taxes receivable					502,035
Related party taxes receivable					459
Deferred tax asset					21,244
Intangible assets, net of amortization of $28,422 and $21,990, respectively					53,682
Due from affiliates					102,457
Other assets					403,416
Total assets					32,342,176
Accounts payable and accrued expenses					315,130
Federal, state and other income taxes payable					319
Deferred tax liabilities, net					492,303
Due to affiliates					48,688
Other liabilities					98,654
Total liabilities					28,783,827
Retained earnings					1,990,787
Total stockholders’ equity					3,558,349
Total liabilities and equity					32,342,176
As Reported | Second Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for sale, net					46,585
Finance receivables held for investment, net					23,972,059
Leased vehicles, net					4,862,783
Federal, state and other income taxes receivable					502,035
Related party taxes receivable					459
Deferred tax asset					19,080
Intangible assets, net of amortization of $28,422 and $21,990, respectively					53,682
Due from affiliates					102,457
Other assets					403,416
Total assets					32,396,520
Accounts payable and accrued expenses					315,130
Federal, state and other income taxes payable					319
Deferred tax liabilities, net					511,324
Due to affiliates					48,688
Other liabilities					98,654
Total liabilities					28,802,848
Retained earnings					2,026,110
Total stockholders’ equity					3,593,672
Total liabilities and equity					32,396,520
Corrections
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for sale, net	(9,028)
Finance receivables held for investment, net	(111,892)
Accrued interest receivable	(10,077)
Leased vehicles, net	(18,720)
Federal, state and other income taxes receivable	(50)
Related party taxes receivable	71
Intangible assets, net of amortization of $28,422 and $21,990, respectively	(20,300)
Due from affiliates	15,934
Other assets	32,647
Total assets	(121,415)
Federal, state and other income taxes payable	13
Deferred tax liabilities, net	(27,027)
Due to affiliates	(86,865)
Other liabilities	(14,780)
Total liabilities	(129,001)
Additional paid-in capital	78,295
Retained earnings	(70,709)
Total stockholders’ equity	7,586
Total liabilities and equity	(121,415)
Corrections | First Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for sale, net					0
Finance receivables held for investment, net					56,508
Leased vehicles, net					0
Federal, state and other income taxes receivable					0
Related party taxes receivable					0
Deferred tax asset					(2,164)
Intangible assets, net of amortization of $28,422 and $21,990, respectively					0
Due from affiliates					0
Other assets					0
Total assets					54,344
Accounts payable and accrued expenses					0
Federal, state and other income taxes payable					0
Deferred tax liabilities, net					19,021
Due to affiliates					0
Other liabilities					0
Total liabilities					19,021
Retained earnings					35,323
Total stockholders’ equity					35,323
Total liabilities and equity					54,344
Corrections | Second Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for sale, net					1
Finance receivables held for investment, net					(60,410)
Leased vehicles, net					(14,190)
Federal, state and other income taxes receivable					(3,735)
Related party taxes receivable					8
Deferred tax asset					5,491
Intangible assets, net of amortization of $28,422 and $21,990, respectively					(16,800)
Due from affiliates					39,094
Other assets					22,772
Total assets					(27,769)
Accounts payable and accrued expenses					9,500
Federal, state and other income taxes payable					416
Deferred tax liabilities, net					(48,197)
Due to affiliates					39,737
Other liabilities					38,231
Total liabilities					39,687
Retained earnings					(67,456)
Total stockholders’ equity					(67,456)
Total liabilities and equity					(27,769)
Variable Interest Entities
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for sale, net	1,539,686				18,712
Finance receivables held for investment, net	22,658,626				21,992,901
Leased vehicles, net	6,497,310				4,848,593
Other assets	630,017				555,509
Notes payable	30,611,019				27,822,174
Total assets	33,168,516				29,041,972
Other liabilities	85,844				55,795
Total liabilities	30,696,863				27,877,969
Variable Interest Entities | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for investment, net	22,891,064
Leased vehicles, net	6,516,030
Other assets	620,482
Other liabilities	5,379
Variable Interest Entities | As Reported | First Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for investment, net					21,366,121
Leased vehicles, net					4,862,783
Other assets					1,283,280
Notes payable					27,796,999
Other liabilities					0
Variable Interest Entities | As Reported | Second Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for investment, net					21,432,284
Leased vehicles, net					4,862,783
Other assets					1,283,280
Notes payable					27,796,999
Other liabilities					0
Variable Interest Entities | Corrections
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for investment, net	(232,438)
Leased vehicles, net	(18,720)
Other assets	9,535
Other liabilities	$ 80,465
Variable Interest Entities | Corrections | First Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for investment, net					66,163
Leased vehicles, net					0
Other assets					0
Notes payable					0
Other liabilities					0
Variable Interest Entities | Corrections | Second Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Finance receivables held for investment, net					560,617
Leased vehicles, net					(14,190)
Other assets					(727,771)
Notes payable					25,175
Other liabilities					$ 55,795

Corrections of Errors - Condens

Corrections of Errors - Condensed Consolidated Statement of Income and Comprehensive Income (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
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Interest on finance receivables and loans									$ 5,031,829	$ 4,493,413	$ 3,703,545
Leased vehicle income									1,037,793	651,590	122,794
Total finance and other interest income	$ 1,559,930	$ 1,561,630	$ 1,534,246	$ 1,431,978	$ 1,341,875	$ 1,325,992	$ 1,271,962	$ 1,213,242	6,087,784	5,153,071	3,832,349
Leased vehicle expense									726,420	476,250	89,417
Net finance and other interest income	1,193,782	1,215,665	1,214,857	1,108,269	1,045,623	1,070,377	1,030,157	1,007,461	4,732,573	4,153,618	3,334,145
Provision for credit losses	850,723	723,922	579,379	631,847	691,818	721,741	541,135	566,573	2,785,871	2,521,267	1,713,906
Net finance and other interest income after provision for credit losses									1,946,702	1,632,351	1,620,239
Net finance and other interest income after provision for credit losses and profit sharing									1,889,218	1,557,426	1,541,993
Investment gains, net									(95,214)	113,147	41,701
Fees, commissions, and other									385,744	374,128	245,413
Total other income									421,643	559,902	312,578
Compensation expense									434,041	482,637	305,056
Other operating costs									345,686	312,539	253,665
Total operating expenses									1,021,249	996,193	706,264
Income before income taxes	(21,799)	372,974	573,169	365,268	226,204	277,725	394,139	223,067	1,289,612	1,121,135	1,148,307
Income tax expense									465,572	395,851	427,142
Net income									824,040	725,284	721,165
Net income attributable to Santander Consumer USA Holdings Inc. shareholders	$ (19,555)	$ 236,435	$ 364,715	$ 242,445	$ 152,720	$ 179,163	$ 255,958	$ 137,443	824,040	725,284	722,986
Comprehensive income									822,612	731,690	727,476
Comprehensive income attributable to Santander Consumer USA Holdings Inc. shareholders									$ 822,612	$ 731,690	$ 728,429
Net income per common share (basic) (in usd per share)	$ (0.05)	$ 0.66	$ 1.03	$ 0.69	$ 0.44	$ 0.51	$ 0.73	$ 0.39	$ 2.32	$ 2.08	$ 2.09
Net income per common share (diluted) (in usd per share)	$ (0.05)	$ 0.66	$ 1.02	$ 0.68	$ 0.43	$ 0.50	$ 0.72	$ 0.39	$ 2.31	$ 2.04	$ 2.09
Weighted average number of common shares outstanding - assuming dilution (in shares)									356,163,076	355,722,363	346,177,515
As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Interest on finance receivables and loans									$ 5,251,164
Total finance and other interest income									6,307,119
Leased vehicle expense									721,890
Net finance and other interest income									4,956,438
Provision for credit losses									2,965,198
Net finance and other interest income after provision for credit losses									1,991,240
Net finance and other interest income after provision for credit losses and profit sharing									1,933,756
Investment gains, net									(116,127)
Fees, commissions, and other									375,079
Total other income									390,065
Compensation expense									456,262
Other operating costs									340,712
Total operating expenses									1,038,496
Income before income taxes									1,285,325
Income tax expense									458,032
Net income									827,293
Net income attributable to Santander Consumer USA Holdings Inc. shareholders									827,293
Comprehensive income									$ 825,865
Net income per common share (basic) (in usd per share)									$ 2.33
Weighted average number of common shares outstanding - assuming dilution (in shares)									358,887,151
As Reported | First Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Interest on finance receivables and loans										$ 4,631,847	$ 3,773,072
Leased vehicle income										929,745	154,939
Total finance and other interest income										5,569,660	3,934,021
Leased vehicle expense										740,236	121,541
Net finance and other interest income										4,306,221	3,403,693
Provision for credit losses										2,616,943	1,852,967
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
Investment gains, net										116,765	40,689
Fees, commissions, and other										368,279
Total other income										557,671	311,566
Other operating costs										278,382	246,359
Total operating expenses										962,036	698,958
Income before income taxes										1,209,988	1,085,088
Income tax expense										443,639	389,418
Net income										766,349	695,670
Net income attributable to Santander Consumer USA Holdings Inc. shareholders										766,349	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)										$ 2.20	$ 2.01
Net income per common share (diluted) (in usd per share)										$ 2.15	$ 2.01
As Reported | Second Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Interest on finance receivables and loans										$ 4,631,847	$ 3,773,072
Leased vehicle income										660,493	113,891
Total finance and other interest income										5,300,408	3,892,973
Leased vehicle expense										470,984	80,493
Net finance and other interest income										4,306,221	3,403,693
Provision for credit losses										2,682,809	1,832,494
Net finance and other interest income after provision for credit losses										1,623,412	1,571,199
Net finance and other interest income after provision for credit losses and profit sharing										1,548,487	1,492,953
Investment gains, net										116,765	40,689
Fees, commissions, and other										368,279
Total other income										557,671	311,566
Other operating costs										278,382	246,359
Total operating expenses										962,036	698,958
Income before income taxes										1,144,122	1,105,561
Income tax expense										419,885	396,771
Net income										724,237	708,790
Net income attributable to Santander Consumer USA Holdings Inc. shareholders										724,237	710,611
Comprehensive income										$ 730,643	715,101
Comprehensive income attributable to Santander Consumer USA Holdings Inc. shareholders											$ 716,054
Net income per common share (basic) (in usd per share)										$ 2.08	$ 2.05
Net income per common share (diluted) (in usd per share)										$ 2.04	$ 2.05
Corrections
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Interest on finance receivables and loans									$ (219,335)
Total finance and other interest income									(219,335)
Leased vehicle expense									4,530
Net finance and other interest income									(223,865)
Provision for credit losses									(179,327)
Net finance and other interest income after provision for credit losses									(44,538)
Net finance and other interest income after provision for credit losses and profit sharing									(44,538)
Investment gains, net									20,913
Fees, commissions, and other									10,665
Total other income									31,578
Compensation expense									(22,221)
Other operating costs									4,974
Total operating expenses									(17,247)
Income before income taxes									4,287
Income tax expense									7,540
Net income									(3,253)
Net income attributable to Santander Consumer USA Holdings Inc. shareholders									(3,253)
Comprehensive income									$ (3,253)
Net income per common share (basic) (in usd per share)									$ (0.01)
Weighted average number of common shares outstanding - assuming dilution (in shares)									(2,724,075)
Corrections | First Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Interest on finance receivables and loans										$ 0	$ 0
Leased vehicle income										(269,252)	(41,048)
Total finance and other interest income										(269,252)	(41,048)
Leased vehicle expense										(269,252)	(41,048)
Net finance and other interest income										0	0
Provision for credit losses										65,866	(20,473)
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
Investment gains, net										0	0
Fees, commissions, and other										0
Total other income										0	0
Other operating costs										0	0
Total operating expenses										0	0
Income before income taxes										(65,866)	20,473
Income tax expense										(23,754)	7,353
Net income										(42,112)	13,120
Net income attributable to Santander Consumer USA Holdings Inc. shareholders										(42,112)	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)										$ (0.12)	$ 0.04
Net income per common share (diluted) (in usd per share)										$ (0.11)	$ 0.04
Corrections | Second Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Interest on finance receivables and loans										$ (138,434)	$ (69,527)
Leased vehicle income										(8,903)	8,903
Total finance and other interest income										(147,337)	(60,624)
Leased vehicle expense										5,266	8,924
Net finance and other interest income										(152,603)	(69,548)
Provision for credit losses										(161,542)	(118,588)
Net finance and other interest income after provision for credit losses										8,939	49,040
Net finance and other interest income after provision for credit losses and profit sharing										8,939	49,040
Investment gains, net										(3,618)	1,012
Fees, commissions, and other										5,849
Total other income										2,231	1,012
Other operating costs										34,157	7,306
Total operating expenses										34,157	7,306
Income before income taxes										(22,987)	42,746
Income tax expense										(24,034)	30,371
Net income										1,047	12,375
Net income attributable to Santander Consumer USA Holdings Inc. shareholders										1,047	12,375
Comprehensive income										$ 1,047	12,375
Comprehensive income attributable to Santander Consumer USA Holdings Inc. shareholders											$ 12,375
Net income per common share (basic) (in usd per share)										$ 0	$ 0.04
Net income per common share (diluted) (in usd per share)										$ 0	$ 0.04

Corrections of Errors - Conde55

Corrections of Errors - Condensed Consolidated Statement of Equity (Details) - USD ($) $ 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
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance				$ 3,526,216				$ 2,695,764	$ 3,526,216	$ 2,695,764	$ 2,222,903
Stock issued in connection with employee incentive compensation plans									74,228	19,353	7
Stock-based compensation									10,686	125,888
Stock-based compensation reclassified to liabilities									0
Net income	$ (19,555)	$ 236,435	$ 364,715	242,445	$ 152,720	$ 179,163	$ 255,958	137,443	824,040	725,284	722,986
Net income									824,040	725,284	721,165
Ending balance	4,432,549				3,526,216				4,432,549	3,526,216	2,695,764
As Reported
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance				3,593,672					3,593,672
Stock issued in connection with employee incentive compensation plans									88,851
Stock-based compensation									20,567
Stock-based compensation reclassified to liabilities									(102,799)
Net income									827,293
Net income									827,293
Ending balance	4,424,963				3,593,672				4,424,963	3,593,672
As Reported | First Error Correction
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance				3,558,349				2,686,832	3,558,349	2,686,832	2,239,466
Net income										766,349	697,491
Net income										766,349	695,670
Ending balance					3,558,349					3,558,349	2,686,832
As Reported | Second Error Correction
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance				3,593,672				2,764,267	3,593,672	2,764,267	2,303,781
Net income										724,237	710,611
Net income										724,237	708,790
Ending balance					3,593,672					3,593,672	2,764,267
Corrections
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance				(67,456)					(67,456)
Stock issued in connection with employee incentive compensation plans									(14,623)
Stock-based compensation									(9,881)
Stock-based compensation reclassified to liabilities									102,799
Net income									(3,253)
Net income									(3,253)
Ending balance	7,586				(67,456)				7,586	(67,456)
Corrections | First Error Correction
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance				35,323				77,435	35,323	77,435	64,315
Net income										(42,112)	13,120
Net income										(42,112)	13,120
Ending balance					35,323					35,323	77,435
Corrections | Second Error Correction
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance				(67,456)				(68,503)	(67,456)	(68,503)	(80,878)
Net income										1,047	12,375
Net income										1,047	12,375
Ending balance					(67,456)					(67,456)	(68,503)
Additional Paid-in Capital
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance				1,560,519				1,409,463	1,560,519	1,409,463	1,335,572
Stock issued in connection with employee incentive compensation plans									74,139	19,331	1
Stock-based compensation									10,686	125,888
Stock-based compensation reclassified to liabilities									0
Ending balance	1,644,151				1,560,519				1,644,151	1,560,519	1,409,463
Additional Paid-in Capital | As Reported
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock issued in connection with employee incentive compensation plans									88,762
Stock-based compensation									20,567
Stock-based compensation reclassified to liabilities									(102,799)
Ending balance	1,565,856								1,565,856
Additional Paid-in Capital | Corrections
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock issued in connection with employee incentive compensation plans									(14,623)
Stock-based compensation									(9,881)
Stock-based compensation reclassified to liabilities									102,799
Ending balance	78,295								78,295
Retained Earnings
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance				1,958,654				1,285,686	1,958,654	1,285,686	853,101
Net income									824,040	725,284	722,986
Net income									824,040	725,284	722,986
Ending balance	2,782,694				1,958,654				2,782,694	1,958,654	1,285,686
Retained Earnings | As Reported
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance				2,026,110					2,026,110
Net income									827,293
Ending balance	2,853,403				2,026,110				2,853,403	2,026,110
Retained Earnings | As Reported | First Error Correction
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance				1,990,787				1,276,754	1,990,787	1,276,754	869,664
Net income										766,349	697,491
Ending balance					1,990,787					1,990,787	1,276,754
Retained Earnings | As Reported | Second Error Correction
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance				2,026,110				1,354,189	2,026,110	1,354,189	933,979
Net income										724,237	710,611
Ending balance					2,026,110					2,026,110	1,354,189
Retained Earnings | Corrections
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance				(67,456)					(67,456)
Net income									(3,253)
Ending balance	$ (70,709)				(67,456)				(70,709)	(67,456)
Retained Earnings | Corrections | First Error Correction
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance				35,323				77,435	35,323	77,435	64,315
Net income										(42,112)	13,120
Ending balance					35,323					35,323	77,435
Retained Earnings | Corrections | Second Error Correction
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance				$ (67,456)				$ (68,503)	$ (67,456)	(68,503)	(80,878)
Net income										1,047	12,375
Ending balance					$ (67,456)					$ (67,456)	$ (68,503)

Corrections of Errors - Conde56

Corrections of Errors - Condensed Consolidated Statement of Cash Flows (Details) - USD ($) $ 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
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net income									$ 824,040	$ 725,284	$ 721,165
Derivative mark to market									(1,650)	(9,685)	(14,554)
Provision for credit losses	$ 850,723	$ 723,922	$ 579,379	$ 631,847	$ 691,818	$ 721,741	$ 541,135	$ 566,573	2,785,871	2,521,267	1,713,906
Depreciation and amortization									821,782	570,989	145,193
Accretion of discount									(362,573)	(416,381)	(335,403)
Investment (gains) losses, net									95,214	(113,147)	(41,701)
Stock-based compensation									10,686	125,888	217
Deferred tax expense									427,283	617,068	324,790
Federal income tax and other taxes									233,313	(130,689)	(363,556)
Other assets									(20,628)	(1,328)	(17,443)
Other liabilities									59,736	62,970	150,436
Due to/from affiliates									52,268	(97,419)	(17,653)
Net cash provided by operating activities									3,909,706	3,894,518	2,091,179
Proceeds from sale of leased vehicles									1,931,957	465,481	18,830
Net cash used in investing activities									(7,715,212)	(8,339,145)	(8,961,738)
Proceeds from unsecured notes payable									6,150,000	5,082,062	4,223,822
Payments on unsecured notes payable									(7,390,631)	(5,322,030)	(3,517,755)
Proceeds from notes payable									27,379,570	25,543,242	22,954,383
Payments on notes payable									(26,554,425)	(23,310,720)	(18,935,343)
Cash collateral posted on cash flow hedges									0	0	0
Net cash provided by financing activities									3,791,242	4,467,253	6,810,203
As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net income									827,293
Derivative mark to market									(12,623)
Provision for credit losses									2,965,198
Depreciation and amortization									833,071
Accretion of discount									(632,402)
Investment (gains) losses, net									116,127
Stock-based compensation									20,567
Deferred tax expense									415,660
Federal income tax and other taxes									237,396
Other assets									1,571
Other liabilities									125,594
Due to/from affiliates									16,949
Net cash provided by operating activities									3,898,765
Proceeds from sale of leased vehicles									1,926,068
Net cash used in investing activities									(7,721,101)
Proceeds from unsecured notes payable									7,395,000
Payments on unsecured notes payable									(8,485,000)
Proceeds from notes payable									26,134,570
Payments on notes payable									(25,460,056)
Cash collateral posted on cash flow hedges									16,830
Net cash provided by financing activities									3,808,072
As Reported | First Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net income										766,349	695,670
Derivative mark to market										(17,541)	(21,311)
Provision for credit losses										2,616,943	1,852,967
Depreciation and amortization										824,997	188,923
Accretion of discount										(867,180)	(471,141)
Investment (gains) losses, net										(116,765)	(40,689)
Deferred tax expense										674,094	291,263
Federal income tax and other taxes										(139,927)	(367,753)
Other assets										24,099	(12,046)
Other liabilities										95,838	159,672
Due to/from affiliates										(128,022)	19,394
Net cash provided by operating activities										3,898,474	2,120,948
Proceeds from sale of leased vehicles											18,188
Net cash used in investing activities											(8,962,380)
Cash collateral posted on cash flow hedges										(3,956)	(29,127)
Net cash provided by financing activities										4,463,297	6,781,076
As Reported | Second Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net income										724,237	708,790
Derivative mark to market										(17,541)	(21,311)
Provision for credit losses										2,682,809	1,832,494
Depreciation and amortization										555,745	147,875
Accretion of discount										(597,928)	(430,093)
Investment (gains) losses, net										(116,765)	(40,689)
Deferred tax expense										650,340	298,616
Federal income tax and other taxes										(139,927)	(367,753)
Other assets										24,099	(12,046)
Other liabilities										95,838	159,672
Due to/from affiliates										(128,022)	19,394
Net cash provided by operating activities										3,898,474	2,120,948
Proceeds from sale of leased vehicles											18,188
Net cash used in investing activities											(8,962,380)
Cash collateral posted on cash flow hedges										(3,956)	(29,127)
Net cash provided by financing activities										4,463,297	6,781,076
Corrections
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net income									(3,253)
Derivative mark to market									10,973
Provision for credit losses									(179,327)
Depreciation and amortization									(11,289)
Accretion of discount									269,829
Investment (gains) losses, net									(20,913)
Stock-based compensation									(9,881)
Deferred tax expense									11,623
Federal income tax and other taxes									(4,083)
Other assets									(22,199)
Other liabilities									(65,858)
Due to/from affiliates									35,319
Net cash provided by operating activities									10,941
Proceeds from sale of leased vehicles									5,889
Net cash used in investing activities									5,889
Proceeds from unsecured notes payable									(1,245,000)
Payments on unsecured notes payable									1,094,369
Proceeds from notes payable									1,245,000
Payments on notes payable									(1,094,369)
Cash collateral posted on cash flow hedges									(16,830)
Net cash provided by financing activities									$ (16,830)
Corrections | First Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net income										(42,112)	13,120
Derivative mark to market										0	0
Provision for credit losses										65,866	(20,473)
Depreciation and amortization										(269,252)	(41,048)
Accretion of discount										269,252	41,048
Investment (gains) losses, net										0	0
Deferred tax expense										(23,754)	7,353
Federal income tax and other taxes										0	0
Other assets										0	0
Other liabilities										0	0
Due to/from affiliates										0	0
Net cash provided by operating activities										0	0
Proceeds from sale of leased vehicles											0
Net cash used in investing activities											0
Cash collateral posted on cash flow hedges										0	0
Net cash provided by financing activities										0	0
Corrections | Second Error Correction
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net income										1,047	12,375
Derivative mark to market										7,856	6,757
Provision for credit losses										(161,542)	(118,588)
Depreciation and amortization										15,244	(2,682)
Accretion of discount										181,547	94,690
Investment (gains) losses, net										3,618	(1,012)
Deferred tax expense										(33,272)	26,174
Federal income tax and other taxes										9,238	4,197
Other assets										(25,427)	(5,397)
Other liabilities										(32,868)	(9,236)
Due to/from affiliates										30,603	(37,047)
Net cash provided by operating activities										(3,956)	(29,769)
Proceeds from sale of leased vehicles											642
Net cash used in investing activities											642
Cash collateral posted on cash flow hedges										3,956	29,127
Net cash provided by financing activities										$ 3,956	$ 29,127

Finance Receivables (As Resta57

Finance Receivables (As Restated) - 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			113,142,000
Utilized Balance	$ 6,902,779,000		$ 6,902,779,000	$ 6,402,327,000
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

Finance Receivables (As Resta58

Finance Receivables (As Restated) - 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	$ 239,551				$ 679,079
Capital lease receivables	47,206				81,839
Finance receivables held for investment, net	23,367,788	$ 23,478,376	$ 24,800,991	$ 24,547,674	23,911,649	$ 22,979,953	$ 22,960,369	$ 22,369,112
Retail Installment Contracts Acquired Individually
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	23,004,065				21,271,464
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	(3,197,414)				(2,586,685)
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	(722,701)				(749,921)
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	60,234				52,964
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

Finance Receivables (As Resta59

Finance Receivables (As Restated) - Finance Receivables Held for Investment with Deteriorated Credit Quality (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Receivables [Abstract]
Outstanding balance	$ 362,212	$ 853,219
Outstanding recorded investment, net of impairment	$ 239,551	$ 679,079

Finance Receivables (As Resta60

Finance Receivables (As Restated) - 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	$ 2,859,575	$ 46,586
Retail Installment Contracts Acquired Individually
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for sale	905,161	45,425
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	$ 1,954,414	$ 0

Finance Receivables (As Resta61

Finance Receivables (As Restated) - 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 (As Resta62

Finance Receivables (As Restated) - 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 (As Resta63

Finance Receivables (As Restated) - 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	$ 268,927	$ 407,490	$ 816,854
Accretion of accretable yield	(91,157)	(199,151)	(409,894)
Reclassifications from nonaccretable difference	812	60,588	530
Balance — end of year	$ 178,582	$ 268,927	$ 407,490

Leases (As Restated) - Summary

Leases (As Restated) - 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	$ 8,836,710	$ 6,306,277
Less: accumulated depreciation	(1,510,414)	(816,000)
Depreciated net capitalized cost	7,326,296	5,490,277
Manufacturer subvention payments, net of accretion	(845,142)	(646,232)
Origination fees and other costs	16,156	4,548
Depreciated net capitalized cost	6,497,310	4,848,593
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

Leases (As Restated) - Future M

Leases (As Restated) - 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 (As Restated) - Summar66

Leases (As Restated) - Summary of Capital Lease Receivables (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Leases [Abstract]
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

Leases (As Restated) - Future67

Leases (As Restated) - 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 Cre68

Credit Loss Allowance and Credit Quality (As Restated) - 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	$ 2,945,608
Balance — end of year	3,218,208	$ 2,945,608
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	2,586,685	1,949,048	$ 1,428,034
Provision for credit losses	2,433,617	2,101,744	1,506,107
Charge-offs	(3,897,480)	(3,187,803)	(2,005,098)
Recoveries	2,101,709	1,723,696	1,020,005
Impact of loans transferred to held for sale	(27,117)
Balance — end of year	3,197,414	2,586,685	1,949,048
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

Credit Loss Allowance and Cre69

Credit Loss Allowance and Credit Quality (As Restated) - 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	$ 2,945,608
Balance — end of year	3,218,208	$ 2,945,608
Purchased Receivables Portfolios
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	186,126	210,208	$ 196,244
Incremental provisions for purchased receivables portfolios	475	19,448	169,353
Incremental reversal of provisions for purchased receivables portfolios	(14,293)	(43,530)	(155,389)
Balance — end of year	172,308	186,126	210,208
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 Cre70

Credit Loss Allowance and Credit Quality (As Restated) - 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	$ 149,185,000
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 Cre71

Credit Loss Allowance and Credit Quality (As Restated) - 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 Cre72

Credit Loss Allowance and Credit Quality (As Restated) - 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 Cre73

Credit Loss Allowance and Credit Quality (As Restated) - 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	$ 4,601,502,000	4,044,070,000
Impairment	(1,363,023,000)	(1,172,149,000)
Outstanding recorded investment, net of impairment	$ 3,238,479,000	2,871,921,000
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 Cre74

Credit Loss Allowance and Credit Quality (As Restated) - 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 Cre75

Credit Loss Allowance and Credit Quality (As Restated) - 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	$ 4,361,962	$ 3,153,280	$ 2,112,538
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 Cre76

Credit Loss Allowance and Credit Quality (As Restated) - 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	$ 3,417,884	$ 2,866,340	$ 1,727,488
Outstanding recorded investment after TDR	$ 3,445,103	$ 2,894,964	$ 1,744,972
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 Cre77

Credit Loss Allowance and Credit Quality (As Restated) - 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 | $	$ 788,297	$ 516,349	$ 323,755
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 (As 78

Goodwill and Intangibles (As Restated) - 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	$ 74,056
Goodwill amortization	5,463	5,463	5,463
Impairment of intangible assets	3,500	16,800	0
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

Goodwill and Intangibles (As 79

Goodwill and Intangibles (As Restated) - 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	$ 61,438	$ 58,872
Accumulated Amortization	(28,422)	(21,990)
Net Carrying Value, Total	33,016	36,882
Trademarks
Acquired Indefinite-lived Intangible Assets [Line Items]
Intangible assets not subject to amortization - trademarks	$ 18,000	21,500
Customer relationships
Acquired Finite-Lived Intangible Assets [Line Items]
Useful Life	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

Goodwill and Intangibles (As 80

Goodwill and Intangibles (As Restated) - 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
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

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
Initial Note Amounts Issued	6,902,779	6,402,327
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%

Debt - Contractual Maturities a

Debt - Contractual Maturities and Weighted Average Interest Rate (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
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

Variable Interest Entities (A85

Variable Interest Entities (As Restated) - 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	18,516,641,000	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 (A86

Variable Interest Entities (As Restated) - 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	$ 18,516,641	$ 14,251,258	$ 11,589,632
Net proceeds from new securitizations	15,232,692	11,948,421	10,072,311
Net proceeds from sale of retained bonds	0	0	98,650
Cash received for servicing fees	700,156	632,957	506,571
Net distributions from Trusts	1,960,418	1,829,754	1,955,645
Total cash received from Trusts	17,893,266	14,411,132	12,633,177
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

Derivative Financial Instrume87

Derivative Financial Instruments (As Restated) - 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 Instrume88

Derivative Financial Instruments (As Restated) - 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)
Total Return Settlement
Derivative [Line Items]
Notional	1,404,726,000	1,404,726,000
Fair Value	$ (53,432,000)	$ (48,893,000)

Derivative Financial Instrume89

Derivative Financial Instruments (As Restated) - 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	53,432	50,629
Gross Amounts of Recognized Liabilities, Total derivative liabilities	94,479	116,937
Gross Amounts of Recognized Liabilities, Total financial liabilities	94,479	116,937
Gross Amounts Offset in the Consolidated Balance Sheet	0	0
Gross Amounts Offset in the Consolidated Balance Sheet, Total return swap and derivatives not subject to master netting arrangement or similar arrangement	0	0
Gross Amounts Offset in the Consolidated Balance Sheet, Total derivative liabilities	0	0
Gross Amounts Offset in the Consolidated Balance Sheet, Total financial liabilities	0	0
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet	41,047	66,308
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet, Total return swap and derivatives not subject to master netting arrangement or similar arrangement	53,432	50,629
Total derivatives not subject to a master netting arrangement or similar arrangement, Financial Instruments	0	0
Total derivatives not subject to a master netting arrangement or similar arrangement, Cash Collateral Pledged	0	(1,736)
Total derivatives not subject to a master netting arrangement or similar arrangement, Net Amount	53,432	48,893
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet, Total derivative liabilities	94,479	116,937
Total derivative liabilities, Financial Instruments	0	0
Total derivative liabilities, Cash Collateral Pledged	(39,046)	(56,041)
Total derivative liabilities, Net Amount	55,433	60,896
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet, Total financial assets	94,479	116,937
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	(39,046)	(54,305)
Gross Amounts Not Offset in the Consolidated Balance Sheet, Cash Collateral Pledged, Total financial liabilities	(39,046)	(56,041)
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	55,433	60,896
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	0
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	1,736
Total derivatives not subject to a master netting arrangement or similar arrangement, Financial Instruments	0	0
Total derivatives not subject to a master netting arrangement or similar arrangement, Cash Collateral Pledged	0	(1,736)
Total derivatives not subject to a master netting arrangement or similar arrangement, Net Amount	0	0
Total Return Settlement
Offsetting Derivative Liabilities
Gross Amounts of Recognized Liabilities, Total return swap and derivatives not subject to master netting arrangement or similar arrangement	53,432	48,893
Gross Amounts Offset 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 return swap and derivatives not subject to master netting arrangement or similar arrangement	53,432	48,893
Total derivatives not subject to a master netting arrangement or similar arrangement, Financial Instruments	0	0
Total derivatives not subject to a master netting arrangement or similar arrangement, Cash Collateral Pledged	0	0
Total derivatives not subject to a master netting arrangement or similar arrangement, Net Amount	53,432	48,893
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	0	0
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet	3,093	719
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	(3,093)	(191)
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	0	0
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet	20,253	14,204
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	(20,253)	(14,204)
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	0	0
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet	4,977	15,783
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	(3,430)	(4,308)
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	0	0
Net Amounts of Liabilities 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 Pledged	(12,270)	(35,602)
Gross Amounts Not Offset in the Consolidated Balance Sheet, Net Amount	$ 454	$ 0

Derivative Financial Instrume90

Derivative Financial Instruments (As Restated) - 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)
Interest Expense | Not Designated As Hedges
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Interest Expense	(11,880)	19,278	21,080
Operating Expense | Not Designated As Hedges
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Interest Expense	$ (10,973)	$ (7,856)	$ (6,757)

Other Assets (As Restated) - Na

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

Other Assets (As Restated) - Sc

Other Assets (As Restated) - Schedule of Other Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Other Assets [Line Items]
Other assets	$ 582,291	$ 426,188
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	59,022	34,876
Other
Other Assets [Line Items]
Other assets	$ 16,296	$ 6,827

Income Taxes (As Restated) - Na

Income Taxes (As Restated) - 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 receivable	71	$ 467
Deferred tax liability, leased vehicles	1,760,918	1,177,947
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	607,121
State
Operating Loss Carryforwards [Line Items]
State net operating loss carryforwards	179,242
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 receivable	$ 71	$ 467

Income Taxes (As Restated) - Co

Income Taxes (As Restated) - 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	$ 33,798	$ (252,856)	$ 47,201
State	4,491	31,639	55,151
Total current income tax expense (benefit)	38,289	(221,217)	102,352
Deferred income tax expense:
Federal	387,686	598,065	345,655
State	39,597	19,003	(20,865)
Total deferred income tax expense	427,283	617,068	324,790
Total income tax expense	$ 465,572	$ 395,851	$ 427,142

Income Taxes (As Restated) - Re

Income Taxes (As Restated) - 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	2.30%	1.60%	2.50%
Valuation allowance	(0.20%)	0.60%	0.90%
Electric vehicle credit	(1.80%)	(1.80%)	(0.60%)
Other	0.80%	(0.10%)	(0.60%)
Effective income tax rate	36.10%	35.30%	37.20%

Income Taxes (As Restated) - In

Income Taxes (As Restated) - 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	598,346	652,658
Derivatives	0	2,444
Capital loss carryforwards	27,013	27,150
Net operating loss carryforwards	196,172	4,598
Equity-based compensation	18,766	39,239
Credit carryforwards	79,037	42,780
Other	37,070	45,084
Total gross deferred tax assets	959,906	817,681
Deferred tax liabilities:
Capitalized origination costs	(18,752)	(16,549)
Goodwill	(13,198)	(11,136)
Leased vehicles	(1,760,918)	(1,177,947)
Furniture and equipment	(13,212)	(14,325)
Original purchase discount on investments	0	(616)
Derivatives	(768)	0
Other	(3,794)	(2,763)
Total gross deferred tax liabilities	(1,810,642)	(1,223,336)
Valuation allowance	(30,489)	(32,901)	$ (26,879)	$ (16,243)
Net deferred tax liability	$ (881,225)	$ (438,556)

Income Taxes (As Restated) - Va

Income Taxes (As Restated) - 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	$ 26,879	$ 16,243
Provision (release)	(2,412)	6,022	10,636
Valuation allowance, end of year	$ 30,489	$ 32,901	$ 26,879

Income Taxes (As Restated) - Gr

Income Taxes (As Restated) - 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 Contingencies99

Commitments and Contingencies (As Restated) - 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 | 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

Modified Stock Option | Chairman and CEO

Contingencies And Commitments [Line Items]

Liability for payments and benefits due under Separation Agreement

$ 115,139,000

Commitments and Contingencie100

Commitments and Contingencies (As Restated) - 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 (101

Related-Party Transactions (As Restated) - Narrative (Details)	Sep. 16, 2014USD ($)	Jul. 16, 2014USD ($)shares	Aug. 31, 2015	Dec. 31, 2015USD ($)ft²$ / h	Dec. 31, 2014USD ($)investment_partnership$ / h	Dec. 31, 2013USD ($)$ / h	Oct. 15, 2015	Jul. 02, 2015$ / sharesshares	Feb. 28, 2015	Nov. 30, 2014	Jun. 30, 2014USD ($)	Jan. 31, 2014
Related Party Transaction [Line Items]
Servicing fee expense				$ 17,323,000
Leased vehicles, net				6,497,310,000	$ 4,848,593,000
Restricted cash				$ 2,236,329,000	$ 1,920,857,000
Expiration period				10 years
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
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]
Liability for payments and benefits due under Separation Agreement				$ 115,139,000
Expiration period				3 years
LIBOR
Related Party Transaction [Line Items]
Call transaction, basis spread on variable rate							1.00%
Separation Agreement | Chairman and CEO
Related Party Transaction [Line Items]
Consulting agreement term, period				12 months
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]
Leased vehicles, net				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]
Notes payable				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
Notes payable				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

Related-Party Transactions (102

Related-Party Transactions (As Restated) - 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 (103

Related-Party Transactions (As Restated) - 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 (104

Related-Party Transactions (As Restated) - 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 Infor105

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 Dil106

Computation of Basic and Diluted Earnings per Common Share (As Restated) - 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)	926,242	1,406,204	0

Computation of Basic and Dil107

Computation of Basic and Diluted Earnings per Common Share (As Restated) - 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	$ (19,555)	$ 236,435	$ 364,715	$ 242,445	$ 152,720	$ 179,163	$ 255,958	$ 137,443	$ 824,040	$ 725,284	$ 722,986
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	346,177,515
Earnings per common share (in usd per share)	$ (0.05)	$ 0.66	$ 1.03	$ 0.69	$ 0.44	$ 0.51	$ 0.73	$ 0.39	$ 2.32	$ 2.08	$ 2.09
Earnings per common share - assuming dilution
Net income attributable to Santander Consumer USA Holdings Inc. shareholders	$ (19,555)	$ 236,435	$ 364,715	$ 242,445	$ 152,720	$ 179,163	$ 255,958	$ 137,443	$ 824,040	$ 725,284	$ 722,986
Effect of employee stock-based awards (in shares)									1,060,000	6,999,000	0
Weighted average number of common shares outstanding (in shares)									355,102,742	348,723,472	346,177,515
Weighted average number of common shares outstanding - assuming dilution (in shares)									356,163,076	355,722,363	346,177,515
Earnings per common share - assuming dilution (in usd per share)	$ (0.05)	$ 0.66	$ 1.02	$ 0.68	$ 0.43	$ 0.50	$ 0.72	$ 0.39	$ 2.31	$ 2.04	$ 2.09

Fair Value of Financial Inst108

Fair Value of Financial Instruments (As Restated) - 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	Dec. 31, 2012
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Cash and cash equivalents	$ 18,893				$ 33,157				$ 10,531	$ 70,887
Finance receivables held for sale, net	2,859,575				46,586
Finance receivables held for investment, net	23,367,788	$ 23,478,376	$ 24,800,991	$ 24,547,674	23,911,649	$ 22,979,953	$ 22,960,369	$ 22,369,112
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
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	2,859,575				46,586
Finance receivables held for investment, net	23,367,788				23,911,649
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	2,872,354				46,586
Finance receivables held for investment, net	24,943,560				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

Fair Value of Financial Inst109

Fair Value of Financial Instruments (As Restated) - 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
Total Return Settlement
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other liabilities, fair value disclosure	53,432	48,893
Total Return Settlement | 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
Total Return Settlement | Significant Other Observable Inputs (Level 2)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other liabilities, fair value disclosure	0	0
Total Return Settlement | Significant Unobservable Inputs (Level 3)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other liabilities, fair value disclosure	53,432	48,893
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 Inst110

Fair Value of Financial Instruments (As Restated) - Schedule of Changes in Level 3 Balances (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Retail Installment Contracts Held for Investment
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value, beginning balance	$ 0
Settlements	0
Losses recognized in earnings	0
Additions / issuances	6,770
Fair value, ending balance	6,770	$ 0
Derivative Financial Instruments, Liabilities | Total Return Settlement
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value, beginning balance	48,893	50,385	$ 57,827
Settlements	(6,434)	(9,348)	(14,199)
Losses recognized in earnings	10,973	7,856	6,757
Fair value, ending balance	$ 53,432	$ 48,893	$ 50,385

Fair Value of Financial Inst111

Fair Value of Financial Instruments (As Restated) - 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	1,954,414
Lower of cost or market adjustment	613,994
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	$ 1,954,414

Employee Benefit Plans (As R112

Employee Benefit Plans (As Restated) - 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
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
Proceeds from the initial public offering	$ 0
Fair value of options granted in period				$ 10,216,000
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
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
Separation Agreement | Chairman and CEO
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Regulatory approval period				60 days

Employee Benefit Plans (As R113

Employee Benefit Plans (As Restated) - 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)	(6,862,576)
Forfeited (in shares)	(300,040)
Options outstanding, Ending balance (in shares)	5,675,327	21,357,911
Options exercisable, Ending balance (in shares)	2,772,561
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)	11.47
Forfeited (in usd per share)	16.62
Options outstanding, Weighted average exercise price, Ending balance (in usd per share)	12.30	$ 10.82
Options exercisable, Weighted average exercise price, Ending balance (in usd per share)	10.17
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 6 months	7 years 2 months 12 days
Options outstanding, Weighted average remaining contractual term, Ending balance (Years)	6 years 6 months	7 years 2 months 12 days
Options exercisable, Weighted average remaining contractual term (Years)	6 years 1 month 6 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	20,151	$ 187,637
Options exercisable, Aggregate intrinsic value	$ 15,761

Employee Benefit Plans (As R114

Employee Benefit Plans (As Restated) - 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	(1,095,754)
Forfeited (in shares) | shares	(923,055)
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	6.58
Forfeited (in usd per share) | $ / shares	7.65
Non-vested at end of period (in usd per share) | $ / shares	$ 6.68

Employee Benefit Plans (As R115

Employee Benefit Plans (As Restated) - 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	$ (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	(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

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)	$ 465,572	$ 395,851	$ 427,142
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)

Quarterly Financial Data (un119

Quarterly Financial Data (unaudited) (As Restated) (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
Quarterly Financial Information Disclosure [Abstract]
Total finance and other interest income	$ 1,559,930	$ 1,561,630	$ 1,534,246	$ 1,431,978	$ 1,341,875	$ 1,325,992	$ 1,271,962	$ 1,213,242	$ 6,087,784	$ 5,153,071	$ 3,832,349
Net finance and other interest income	1,193,782	1,215,665	1,214,857	1,108,269	1,045,623	1,070,377	1,030,157	1,007,461	4,732,573	4,153,618	3,334,145
Provision for credit losses	850,723	723,922	579,379	631,847	691,818	721,741	541,135	566,573	2,785,871	2,521,267	1,713,906
Income before income taxes	(21,799)	372,974	573,169	365,268	226,204	277,725	394,139	223,067	1,289,612	1,121,135	1,148,307
Net income	$ (19,555)	$ 236,435	$ 364,715	$ 242,445	$ 152,720	$ 179,163	$ 255,958	$ 137,443	$ 824,040	$ 725,284	$ 722,986
Net income per common share (basic) (in usd per share)	$ (0.05)	$ 0.66	$ 1.03	$ 0.69	$ 0.44	$ 0.51	$ 0.73	$ 0.39	$ 2.32	$ 2.08	$ 2.09
Net income per common share (diluted) (in usd per share)	$ (0.05)	$ 0.66	$ 1.02	$ 0.68	$ 0.43	$ 0.50	$ 0.72	$ 0.39	$ 2.31	$ 2.04	$ 2.09
Allowance for credit losses	$ 3,218,208	$ 2,996,924	$ 3,328,897	$ 3,117,716	$ 2,945,608	$ 2,785,351	$ 2,570,969	$ 2,354,798	$ 3,218,208	$ 2,945,608
Finance receivables held for investment, net	23,367,788	23,478,376	24,800,991	24,547,674	23,911,649	22,979,953	22,960,369	22,369,112	23,367,788	23,911,649
Total assets	36,448,958	36,035,625	36,079,510	34,581,338	32,368,751	30,817,354	29,911,434	28,956,477	36,448,958	32,368,751
Total equity	$ 4,432,549	$ 4,451,984	$ 4,245,763	$ 3,771,543	$ 3,526,216	$ 3,365,393	$ 3,176,644	$ 2,972,927	$ 4,432,549	$ 3,526,216

Investment Gains (Losses), N120

Investment Gains (Losses), Net (As Restated) (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	$ 155,408	$ 113,147	$ 41,701
Lower of cost or market adjustments	(236,396)	0	0
Other losses and impairments	(14,226)	0	0
Investment gains (losses), net	(95,214)	$ 113,147	$ 41,701
Lower of cost or market adjustments, customer default	123,254
Lower of cost or market adjustments, decline in market value	$ 113,142

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