Santander Consumer USA (SC) 10-K 26 Feb 19 2018 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Billions	12 Months Ended
	Dec. 31, 2018	Feb. 21, 2019	Jun. 30, 2018
Document And Entity Information [Abstract]
Entity Registrant Name	Santander Consumer USA Holdings Inc.
Entity Central Index Key	1,580,608
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Document Type	10-K
Document Period End Date	Dec. 31, 2018
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	FY
Amendment Flag	false
Entity Public Float			$ 2.2
Entity Common Stock, Shares Outstanding		351,365,408
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Assets
Cash and cash equivalents — $101,334 and $139,295 held at affiliates, respectively	$ 148,436	$ 527,805
Finance receivables held for sale, net	1,068,757	2,210,421
Finance receivables held for investment, net	25,117,454	22,394,286
Restricted cash	2,102,048	2,553,902
Accrued interest receivable	303,686	340,618
Leased vehicles, net	13,978,855	10,160,327
Furniture and equipment, net of accumulated depreciation of $72,345 and $55,525, respectively	61,280	69,609
Federal, state and other income taxes receivable	97,087	95,060
Related party taxes receivable	734	467
Goodwill	74,056	74,056
Intangible assets, net of amortization of $45,324 and $36,616, respectively	35,195	29,734
Due from affiliates	8,920	33,270
Other assets	963,347	913,244
Total assets	43,959,855	39,402,799
Liabilities:
Notes payable — credit facilities	4,478,214	4,848,316
Notes payable — secured structured financings	26,901,530	22,557,895
Notes payable — related party	3,503,293	3,754,223
Accrued interest payable	49,370	38,529
Accounts payable and accrued expenses	422,951	429,531
Deferred tax liabilities, net	1,155,883	892,415
Due to affiliates	63,219	82,382
Other liabilities	367,037	333,806
Total liabilities	36,941,497	32,937,097
Commitments and contingencies (Notes 6 and 11)
Equity:
Common stock, $0.01 par value - 1,100,000,000 shares authorized; 362,028,916 and 360,779,465 shares issued and 352,302,759 and 360,527,463 shares outstanding, respectively	3,523	3,605
Additional paid-in capital	1,515,572	1,681,558
Accumulated other comprehensive income, net	33,515	44,262
Retained earnings	5,465,748	4,736,277
Total stockholders’ equity	7,018,358	6,465,702
Total liabilities and equity	43,959,855	39,402,799
Variable Interest Entities
Assets
Finance receivables held for sale, net	0	1,106,393
Finance receivables held for investment, net	24,151,971	21,681,882
Restricted cash	1,582,158	1,995,557
Leased vehicles, net	13,978,855	10,160,327
Other assets	685,383	747,101
Total assets	40,398,367	35,691,260
Liabilities:
Notes payable	31,949,839	28,467,942
Other liabilities	122,010	197,969
Total liabilities	$ 32,071,849	$ 28,665,911

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Statement of Financial Position [Abstract]
Cash and cash equivalents held at affiliates	$ 101,334	$ 139,295
Restricted cash held for affiliates	341	2,529
Accumulated depreciation	72,345	55,525
Amortization	$ 45,324	$ 36,616
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	362,028,916	360,779,465
Common stock, shares outstanding	352,302,759	360,527,463

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Income Statement [Abstract]
Interest on finance receivables and loans	$ 4,842,564	$ 4,845,623	$ 5,026,790
Leased vehicle income	2,257,719	1,788,457	1,487,671
Other finance and interest income	33,235	19,885	15,135
Total finance and other interest income	7,133,518	6,653,965	6,529,596
Interest expense — Including $166,952, $148,345, and $119,277 to affiliates, respectively	1,111,760	947,734	807,484
Leased vehicle expense	1,535,756	1,298,513	995,459
Net finance and other interest income	4,486,002	4,407,718	4,726,653
Provision for credit losses	2,205,585	2,363,811	2,468,200
Net finance and other interest income after provision for credit losses	2,280,417	2,043,907	2,258,453
Profit sharing	33,137	29,568	47,816
Net finance and other interest income after provision for credit losses and profit sharing	2,247,280	2,014,339	2,210,637
Investment gains (losses), net — Including ($20,736), $22,900, and $346 from affiliates, respectively	(401,638)	(366,439)	(444,759)
Servicing fee income — Including $46,832, $24,529, and $16,733 from affiliates, respectively	106,840	118,341	156,134
Fees, commissions, and other — Including $14,213, $900, and $900 from affiliates, respectively	333,458	349,204	382,171
Total other income	38,660	101,106	93,546
Compensation expense	482,800	581,017	498,224
Repossession expense	264,777	275,704	293,355
Other operating costs — Including $12,926, $5,253, and $2,480 to affiliates, respectively	346,095	454,715	351,893
Total operating expenses	1,093,672	1,311,436	1,143,472
Income before income taxes	1,192,268	804,009	1,160,711
Income tax expense (benefit)	276,342	(368,798)	394,245
Net income	915,926	1,172,807	766,466
Net income	915,926	1,172,807	766,466
Other comprehensive income (loss):
Change in unrealized gains (losses) on cash flow hedges, net of tax of $(6,427), $270, and $15,647, respectively	(16,896)	16,003	26,134
Comprehensive income	$ 899,030	$ 1,188,810	$ 792,600
Net income per common share (basic) (in usd per share)	$ 2.55	$ 3.26	$ 2.14
Net income per common share (diluted) (in usd per share)	$ 2.54	$ 3.26	$ 2.13
Weighted average common shares (basic)	359,861,764	359,613,714	358,280,814
Weighted average common shares (diluted)	360,672,417	360,292,330	359,078,337

CONSOLIDATED STATEMENTS OF IN_2

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Income Statement [Abstract]
Interest expense to affiliates	$ 166,952	$ 148,345	$ 119,277
Investment gains (losses), net from affiliates	20,736	22,900	346
Servicing fee income to affiliates	46,832	24,529	16,733
Fees, commissions and other from affiliates	14,213	900	900
Other operating costs to affiliates	12,926	5,253	2,480
Change in unrealized gains (losses) on chase flow hedges, tax	$ (6,427)	$ 270	$ 15,647

CONSOLIDATED STATEMENTS OF EQUI

CONSOLIDATED STATEMENTS OF EQUITY - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-In Capital	Accumulated Other Comprehensive Income (Loss), net	Retained Earnings
Beginning balance, shares at Dec. 31, 2015		357,946,000
Beginning balance at Dec. 31, 2015	$ 4,432,549	$ 3,579	$ 1,644,151	$ 2,125	$ 2,782,694
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock issued in connection with employee incentive compensation plans, shares		988,000
Stock issued in connection with employee incentive compensation plans	5,707	$ 10	5,697
Purchase of treasury stock, shares		(26,000)
Purchase of treasury stock	(350)		(350)
Stock-based compensation	9,537		9,537
Tax sharing with affiliate	(1,424)		(1,424)
Net income	766,466				766,466
Other comprehensive income (loss), net of taxes	26,134			26,134
Ending balance, shares at Dec. 31, 2016		358,908,000
Ending balance at Dec. 31, 2016	5,238,619	$ 3,589	1,657,611	28,259	3,549,160
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cumulative-effect adjustment upon adoption of ASU (Note 1)	26,552		1,439		25,113
Net income	138,891
Ending balance at Mar. 31, 2017	5,414,462
Beginning balance, shares at Dec. 31, 2016		358,908,000
Beginning balance at Dec. 31, 2016	5,238,619	$ 3,589	1,657,611	28,259	3,549,160
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock issued in connection with employee incentive compensation plans, shares		1,776,000
Stock issued in connection with employee incentive compensation plans	9,104	$ 18	9,086
Purchase of treasury stock, shares		(157,000)
Purchase of treasury stock	(3,770)	$ (2)	(3,768)
Stock-based compensation	18,494		18,494
Tax sharing with affiliate	(1,304)		(1,304)
Dividends paid	(10,803)				(10,803)
Net income	1,172,807				1,172,807
Other comprehensive income (loss), net of taxes	$ 16,003			16,003
Ending balance, shares at Dec. 31, 2017	360,527,463	360,527,000
Ending balance at Dec. 31, 2017	$ 6,465,702	$ 3,605	1,681,558	44,262	4,736,277
Beginning balance at Mar. 31, 2017	5,414,462
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	257,898
Ending balance at Jun. 30, 2017	5,667,419
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	198,569
Ending balance at Sep. 30, 2017	5,873,102
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 577,449
Ending balance, shares at Dec. 31, 2017	360,527,463	360,527,000
Ending balance at Dec. 31, 2017	$ 6,465,702	$ 3,605	1,681,558	44,262	4,736,277
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cumulative-effect adjustment upon adoption of ASU (Note 1)	0			6,149	(6,149)
Net income	244,614
Ending balance at Mar. 31, 2018	$ 6,713,532
Beginning balance, shares at Dec. 31, 2017	360,527,463	360,527,000
Beginning balance at Dec. 31, 2017	$ 6,465,702	$ 3,605	1,681,558	44,262	4,736,277
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock issued in connection with employee incentive compensation plans, shares		1,250,000
Stock issued in connection with employee incentive compensation plans	$ 5,955	$ 13	5,942
Purchase of treasury stock, shares	(9,473,955)	(9,474,000)
Purchase of treasury stock	$ (182,560)	$ (95)	(182,465)
Stock-based compensation	7,656		7,656
Tax sharing with affiliate	2,881		2,881
Dividends paid	(180,306)				(180,306)
Net income	915,926				915,926
Other comprehensive income (loss), net of taxes	$ (16,896)			(16,896)
Ending balance, shares at Dec. 31, 2018	352,302,759	352,303,000
Ending balance at Dec. 31, 2018	$ 7,018,358	$ 3,523	1,515,572	33,515	5,465,748
Beginning balance at Mar. 31, 2018	6,713,532
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	335,026
Ending balance at Jun. 30, 2018	7,033,636
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	231,948
Ending balance at Sep. 30, 2018	7,141,215
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 104,338
Ending balance, shares at Dec. 31, 2018	352,302,759	352,303,000
Ending balance at Dec. 31, 2018	$ 7,018,358	$ 3,523	$ 1,515,572	$ 33,515	$ 5,465,748

CONSOLIDATED STATEMENTS OF EQ_2

CONSOLIDATED STATEMENTS OF EQUITY (Parenthetical) - $ / shares	3 Months Ended				12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2018	Dec. 31, 2017
Statement of Stockholders' Equity [Abstract]
Dividends paid per common share (in usd per share)	$ 0.20	$ 0.20	$ 0.05	$ 0.05	$ 0.50	$ 0.03

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Cash flows from operating activities:
Net income	$ 915,926	$ 1,172,807	$ 766,466
Adjustments to reconcile net income to net cash provided by operating activities:
Derivative mark to market	(6,298)	(8,723)	169
Provision for credit losses	2,205,585	2,363,811	2,468,200
Depreciation and amortization	1,668,467	1,403,653	1,094,774
Accretion of discount	(158,477)	(246,038)	(355,961)
Originations and purchases of receivables held for sale	(1,852,628)	(3,624,718)	(4,019,155)
Proceeds from sales of and repayments on receivables originated as held for sale	3,143,462	3,099,258	3,905,622
Change in revolving unsecured consumer loans	(371,716)	(329,167)	(317,506)
Investment losses, net	401,638	366,439	444,759
Stock-based compensation	7,656	18,494	9,537
Deferred tax expense (benefit)	267,486	(360,495)	379,753
Changes in assets and liabilities:
Accrued interest receivable	23,053	9,947	5,358
Accounts receivable	10,094	82,578	5,315
Federal income tax and other taxes	(3,153)	(7,262)	175,075
Other assets	(44,842)	(88,537)	(55,765)
Accrued interest payable	9,927	2,767	9,559
Other liabilities	27,515	50,700	(58,944)
Due to/from affiliates	1,174	35,832	15,861
Net cash provided by operating activities	6,244,869	3,941,346	4,473,117
Cash flows from investing activities:
Originations of and disbursements on finance receivables held for investment	(15,425,389)	(10,659,617)	(12,333,767)
Purchases of portfolios of finance receivables held for investment	(282,305)	(292,891)	(568,009)
Collections on finance receivables held for investment	10,683,915	10,113,377	10,295,849
Proceeds from sale of loans originated as held for investment	0	135,577	823,877
Leased vehicles purchased	(9,819,357)	(6,007,775)	(5,596,639)
Manufacturer incentives received	1,111,421	888,532	1,210,779
Proceeds from sale of leased vehicles	3,327,649	2,274,238	1,548,186
Change in revolving personal loans	14,590	(18,761)	(93,194)
Purchases of furniture and equipment	(10,394)	(16,556)	(23,290)
Proceeds from sales of furniture and equipment	86	722	1,844
Other investing activities	(16,004)	(7,179)	(8,017)
Net cash used in investing activities	(10,415,788)	(3,590,333)	(4,742,381)
Cash flows from financing activities:
Proceeds from notes payable related to secured structured financings — net of debt issuance costs	18,398,574	14,625,565	13,756,342
Payments on notes payable related to secured structured financings	(14,086,200)	(13,700,149)	(12,941,849)
Proceeds from unsecured notes payable	500,000	7,065,000	4,491,153
Payments on unsecured notes payable	0	(4,885,577)	(4,076,571)
Proceeds from notes payable	26,639,556	19,678,467	25,256,469
Payments on notes payable	(27,759,657)	(22,974,392)	(25,562,149)
Proceeds from stock option exercises, gross	10,289	15,104	8,126
Shares repurchased	(182,560)	0	0
Dividends paid	(180,306)	(10,803)	0
Net cash provided by (used in) financing activities	3,339,696	(186,785)	931,521
Net increase (decrease) in cash and cash equivalents and restricted cash	(831,223)	164,228	662,257
Cash and cash equivalents and restricted cash — Beginning of year	3,081,707	2,917,479	2,255,222
Cash and cash equivalents and restricted cash — End of year	2,250,484	3,081,707	2,917,479
Supplemental cash flow information:
Total cash and cash equivalents and restricted cash	$ 3,081,707	$ 2,917,479	$ 2,255,222

Description of Business, Basis

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices	12 Months Ended
	Dec. 31, 2018
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 SC, or the Company, is the holding company for SC Illinois, and its subsidiaries, a specialized consumer finance company focused on vehicle finance and third-party servicing. The Company’s primary business is the indirect origination and securitization of retail installment contracts principally through manufacturer-franchised dealers in connection with their sale of new and used vehicles to retail consumers. Since May 2013, under the Chrysler Agreement with FCA, the Company has been FCA’s preferred provider for consumer loans and leases and Dealer Loans. Under the Chrysler Agreement, 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. Retail installment contracts and vehicle leases entered into with FCA customers, as part of the Chrysler Agreement, represent a significant concentration of those portfolios and there is a risk that the Chrysler Agreement could be terminated prior to its expiration date. Termination of the Chrysler Agreement could result in a decrease in the amount of new retail installment contracts and vehicle leases entered into with FCA customers as well as Dealer Loans. In June 2018, the Company announced that it was in exploratory discussions with FCA regarding the future of FCA’s U.S. finance operations. FCA has announced its intention to establish a captive U.S. auto finance unit and indicated that acquiring Chrysler Capital is one option it will consider. Under the Chrysler Agreement, FCA has the option to acquire, for fair market value, an equity participation in the business offering and providing the financial services contemplated by the Chrysler Agreement. The likelihood, timing and structure of any such transaction, and the likelihood that the Chrysler Agreement will terminate, cannot be reasonably determined. In July 2018, FCA and the Company entered into a tolling agreement pursuant to which the parties agreed to preserve their respective rights, claims and defenses under the Chrysler Agreement as they existed on April 30, 2018 and to refrain from delivering a written notice to the other party in accordance with Section 14.02 of the MPLFA until December 31, 2018. 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 other relationships through which it provides personal loans, private-label revolving lines and other consumer finance products. As of December 31, 2018 , the Company was owned approximately 69.7% by Santander Holdings USA, Inc. (SHUSA), a subsidiary of Banco Santander, S.A. (Santander) and approximately 30.3% by other shareholders. 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. The preparation of financial statements in conformity with 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, fair value, 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. Corrections to Previously Reported Amounts In connection with preparing its financial statements for the quarter ended September 30, 2018 , the Company identified and corrected two immaterial errors. To correct the errors, the Company has prepared its consolidated financial statement as of and for the period ended December 31, 2018 on a corrected basis and revised its comparative consolidated financial statements included within. The matters giving rise to the corrections are summarized below: • For core retail auto loans originated after January 1, 2017, as previously disclosed, the Company had determined past due status using a 90% required minimum payment threshold, while continuing to use a 50% threshold to report past due status on core retail auto loans originated prior to that date. The Company treated the change as a change in estimate. In Q3 2018, the Company determined that a borrower’s payment of 50% of the contractual amount was not sufficient to qualify as substantially all of the contractual payments due, and historically a 90% required minimum payment threshold should be used for all loans and our prior reporting was in error. Therefore, the consolidated financial statements and related delinquency disclosures have been corrected to be on that basis. • On January 1, 2017, as previously disclosed, the Company prospectively began classifying as non-accrual loans (1) any loans designated as TDRs and more than 60 days past due at the time of TDR and (2) any loans less than 60 days past due at the time of TDR that had a third instance of deferral. These TDR loans were also placed on a cost recovery basis from that time forward and not returned to accrual status until there was sustained evidence of collectability. The Company treated the change as a change in estimate. In Q3 2018, the Company determined the changes in both nonaccrual designation and cost recovery basis were in error and, in turn, has corrected the error by reverting to its accounting policy at December 31, 2016 whereby loans are placed on non-accrual when they are more than 60 days past due, and reversing the impacts of the change going back to January 1, 2017. The following tables summarize the impacts of the corrections on the Company’s Consolidated Balance Sheet: December 31, 2017 Reported Corrections Revised Assets Finance receivable held for investment, net 22,427,769 (33,483 ) 22,394,286 Accrued interest receivable 326,640 13,978 340,618 Total assets 39,422,304 (19,505 ) 39,402,799 Liabilities and Equity Liabilities: Deferred tax liabilities, net 897,121 (4,706 ) 892,415 Total liabilities 32,941,803 (4,706 ) 32,937,097 Total stockholders’ equity 6,480,501 (14,799 ) 6,465,702 Total liabilities and equity 39,422,304 (19,505 ) 39,402,799 The following tables summarize the impacts of the corrections on the Consolidated Statements of Income and Comprehensive Income: December 31, 2017 Reported Corrections Revised Interest on finance receivable and loans 4,755,678 89,945 4,845,623 Provision for credit losses 2,254,361 109,450 2,363,811 Income (loss) before income taxes 823,514 (19,505 ) 804,009 Income tax expense (364,092 ) (4,706 ) (368,798 ) Net income (loss) 1,187,606 (14,799 ) 1,172,807 Net income (loss) per common share (basic) $ 3.30 $ (0.04 ) $ 3.26 Net income (loss) per common share (diluted) $ 3.30 $ (0.04 ) $ 3.26 The following tables summarize the impacts of the corrections on the Consolidated Statement of Cash Flows: December 31, 2017 Reported (a) Corrections Revised Net cash provided by operating activities 3,865,378 75,968 3,941,346 Net cash used in investing activities (3,514,365 ) (75,968 ) (3,590,333 ) (a) Adjusted for ASU 2016-18 Statement of Cash Flows (Topic 230) for period ended December 31, 2017 In addition to the revision of the Company’s consolidated financial statements, information within the footnotes to the consolidated statements has been revised to reflect the correction of the errors discussed above. The following table summarizes the impacts of the corrections of those items, including table disclosures in Note 4 Credit Loss Allowance and Credit Quality: December 31, 2017 Reported Corrections Revised TDR - Unpaid principal balance $ 6,261,894 $ 52,141 $ 6,314,035 TDR - Impairment 1,731,320 72,812 1,804,132 TDR allowance ratio 27.6 % 1.0 % 28.6 % Nonaccrual loans TDRs 1,390,373 (583,435 ) 806,938 Delinquencies for our retail installment contracts held for investment: Principal, 30-59 days past due 2,827,678 130,517 2,958,195 Delinquent principal over 59 days 1,544,583 101,206 1,645,789 Total delinquent principal 4,372,261 231,723 4,603,984 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 marine and recreational 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 for the foreseeable future or 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. Accordingly, changes in the fair value of these finance receivables, which are based upon fair value estimates (Note 15), are reported in investment gains (losses), net, in the consolidated statements of income and comprehensive income. 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. For loans on nonaccrual status, interest income is recognized on a cash basis and the accrual of interest is resumed and reinstated if a delinquent account subsequently becomes 60 days or less past due. The payment following the partial payment must be a full payment, or the account will move into delinquency status at that time. The Company considers an account delinquent when an obligor fails to pay substantially all (defined as 90% ) of the scheduled payment by the due date. Payments generally are applied to interest first, then principal, then fees, regardless of a contract’s accrual status. 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 specific to pools of homogenous loans which are based on the vintage, credit quality at origination and term of the loan. Prepayments in our portfolio are sensitive to credit quality, with higher credit quality loans generally experiencing higher voluntary prepayment rates than lower credit quality loans. The impact of defaults is not considered in the prepayment rate; the prepayment rate only considers voluntary prepayments. The resulting prepayment rate specific to each pool is based on historical experience, and is used as an input in the calculation of the constant effective yield. Our estimated weighted average prepayment rates ranged from 5.7% to 10.8% as December 31, 2018, and 6.1% to 10.4% as of December 31, 2017. Purchased Receivables Portfolios Receivables portfolios purchased from other lenders or pursuant to a repurchased obligation 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. Receivable portfolios purchased from other lenders are considered non-credit impaired loans if they either do not have evidence of credit quality deterioration or it was not probable that the Company would not collect all contractually required payments, which will be evaluated using a number of factors including the loan’s delinquency status, borrower’s credit status, and roll rates. Accordingly, these loans will be accounted for in accordance with ASC 310 - 20. Under ASC 310-20, the difference between the loan’s principal balance, at the time of purchase, and the fair value is recognized as an adjustment of yield over the life of the loan. All other policies related to interest income, calculation of allowance for loan losses, and recognizing TDRs would be similar to retail installment contracts acquired individually and are originated by the Company. 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 held for investment, 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. Finance Receivables Held for Sale, Net 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 and personal loans held for sale, market declines in the recorded investment, whether due to credit or market risk, are recorded through investment gains (losses), net of lower of cost or market adjustments. Provision for Credit Losses Provisions for credit losses are charged to operations in amounts sufficient to support the credit loss allowance in accordance with the Company’s estimate. The Company estimates an allowance on individually acquired retail installment contracts and personal loans held for investment not classified as TDRs at a level considered adequate to cover expected net credit losses inherent in the recorded investment of that portfolio. 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, 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. For loans classified as TDRs, impairment is generally measured based on the present value of expected future cash flows discounted at the original effective interest rate. For loans that are considered collateral-dependent, such as certain bankruptcy modifications, impairment is measured based on the fair value of the collateral, less its estimated cost to sell. Provisions for credit losses are also 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 sales proceeds and the Company’s recorded investment in the related contract. Costs to sell the vehicle are presented in repossession expense. 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 the time that the credit is considered uncollectable and of such little value that it does not warrant consideration as an active asset. 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, operating and capital leases, and loans held for sale 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 generally 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. TDRs are evaluated for impairment individually or in aggregate for those loans with similar risk characteristics. 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 systemic and material decline in used vehicle values, indicates that an impairment may exist. These circumstances could include, for example, shocks to oil and gas prices (which may have a pronounced impact on certain models of vehicles) or pervasive manufacturer defects (which may systemically affect the value of a particular vehicle brand or model). Impairment is determined to exist if fair value of the leased asset is less than carrying value and it is determined that the net carrying value is not recoverable. The net carrying value of a leased asset is not recoverable if it exceeds the sum of the undiscounted expected future cash flows expected to result from the lease payments and the estimated residual value upon eventual disposition. If our operating lease assets are considered to be impaired, the impairment is measured as the amount by which the carrying amount of the assets exceeds the fair value as estimated by discounted cash flows. No impairment was recognized in 2018, 2017, or 2016. 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. Fees, commissions, and other Fees, commissions, and other primarily include late fees, miscellaneous, and other income, and are generally recorded when there is no doubt as to the collectability of the related receivable. Repossessed Vehicles and Repossession Expense Repossessed vehicles represent vehicles the Company has repossessed due to the borrowers’ default on the payment terms of the retail installment contracts, loans or leases. The Company generally begins repossession activity once a customer has reached 60 days past due. The customer has an opportunity to redeem the repossessed vehicle by paying all outstanding balances, including finance charges and fees. Any vehicles not redeemed are sold at auction. The Company records the vehicles currently in its inventory at the lower of cost or estimated fair value, net of estimated costs to sell (See Notes 9 and 15). Repossession expense includes the costs to repossess and sell vehicles obtained due to borrower default. These costs include transportation, storage, rekeying, condition reports, legal fees, the fees paid to repossession agents and auction fees. 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 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. For all VIEs in which the Company is involved, the Company assesses whether it is the primary beneficiary of the VIE on an ongoing basis. In circumstances where the Company have both the power to direct the activities that most significantly impact the VIEs performance and the obligation to absorb losses or the right to receive benefits of the VIE that could be significant, the Company would conclude that it is the primary beneficiary of the VIE, and 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. In situations where the Company is not deemed to be the primary beneficiary of the VIE, the Company does not consolidate the VIE and only recognizes its interests in the VIE. These securitizations involving Trusts 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. As a result of those guarantees, the Company was permitted to commingle funds received on contracts that have been included in certain warehouse facilities, and retain and remit cash to the respective collection accounts once a month prior to the distribution dates. 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

Finance Receivables

Finance Receivables	12 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
Finance Receivables	Finance Receivables Held For Investment Finance receivables held for investment, net is comprised of the following at December 31, 2018 and 2017 : December 31, 2018 December 31, 2017 Retail installment contracts acquired individually (a) (b) $ 25,065,511 $ 22,329,026 Purchased receivables 19,235 27,839 Receivables from dealers 14,557 15,623 Personal loans 2,014 4,459 Capital lease receivables (Note 3) 16,137 17,339 Finance receivables held for investment, net $ 25,117,454 $ 22,394,286 (a) The Company has elected the fair value option for certain retail installment contracts reported in finance receivables held for investment, net. As of December 31, 2018 and December 31, 2017 , $13,509 and $22,124 of loans were recorded at fair value (Note 15). (b) During the twelve months ended December 31, 2018 , the Company purchased finance receivables from a third party lender for $67,249 . The unpaid principal balance of these loans as of the acquisition date was $74,086 . The Company determined that the acquired loans were non-credit impaired loans because they either did not have evidence of credit quality deterioration or it was not probable that the Company would not collect all contractually required payments, which was evaluated using a number of factors including the loan’s delinquency status, borrower’s credit status, and roll rates. Accordingly, these loans are accounted for in accordance with ASC 310 - 20. Under ASC 310-20, the difference between the loan's principal balance, at the time of purchase, and the fair value is recognized as an adjustment of yield over the life of the loan. All other policies related to interest income, calculation of allowance for loan losses, and recognizing TDRs would be similar to retail installment contracts acquired individually and are originated by the Company. The Company’s held for investment portfolio of retail installment contracts acquired individually, receivables from dealers, and personal loans is comprised of the following at December 31, 2018 and 2017 : December 31, 2018 Retail Installment Contracts Acquired Individually Receivables from Personal Loans Non- TDR TDR Unpaid principal balance $ 23,054,157 $ 5,378,603 $ 14,710 $ 2,637 Credit loss allowance - specific — (1,416,743 ) — — Credit loss allowance - collective (1,819,360 ) — (153 ) (761 ) Discount (172,659 ) (40,333 ) — — Capitalized origination costs and fees 77,398 4,448 — 138 Net carrying balance $ 21,139,536 $ 3,925,975 $ 14,557 $ 2,014 December 31, 2017 Retail Installment Contracts Acquired Individually Receivables from Personal Loans (a) Non-TDR TDR Unpaid principal balance $ 19,679,082 $ 6,314,035 $ 15,787 $ 6,887 Credit loss allowance - specific — (1,804,132 ) — — Credit loss allowance - collective (1,540,315 ) — (164 ) (2,565 ) Discount (309,191 ) (74,832 ) — (1 ) Capitalized origination costs and fees 58,638 5,741 — 138 Net carrying balance $ 17,888,214 $ 4,440,812 $ 15,623 $ 4,459 Retail installment contracts 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 lines or securitization bonds (Note 6). Most of the borrowers on the Company’s retail installment contracts held for investment are retail consumers; however, $537,922 and $641,158 of the unpaid principal balance represented fleet contracts with commercial borrowers as of December 31, 2018 and 2017 , respectively. During the years ended December 31, 2018 and 2017 , the Company originated $7,927,597 and $6,713,239 , respectively, in Chrysler Capital loans which represented 46% and 47% , respectively, of the total retail installment contract originations (unpaid principal balance). As of December 31, 2018 and 2017 , the Company’s carrying value of auto retail installment contract portfolio consisted of $8,977,284 and $8,249,803 , respectively, of Chrysler Capital loans which represents 36% and 37% , respectively, of the Company’s carrying value of auto retail installment contract portfolio. As of December 31, 2018 , borrowers on the Company’s retail installment contracts held for investment are located in Texas ( 17% ), Florida ( 11% ), California ( 9% ), Georgia ( 6% ) and other states each individually representing less than 5% of the Company’s total. Purchased receivables - Credit impaired Purchased receivables portfolios, which were acquired with deteriorated credit quality, is comprised of the following at December 31, 2018 and 2017 : December 31, 2018 December 31, 2017 Outstanding balance $ 30,631 $ 43,474 Outstanding recorded investment, net of impairment 19,390 28,069 During the year ended December 31, 2017, the Company sold receivables previously acquired with deteriorated credit quality to SBNA (Note 12). Carrying value of the receivables at the date of sale was $99,301 . No such sales occurred during the year ended December 31, 2018. Changes in accretable yield on the Company’s purchased receivables portfolios-credit impaired for the periods indicated is as follows: For the Year Ended December 31, 2018 2017 2016 Balance — beginning of year $ 19,464 $ 107,041 $ 178,582 Accretion of accretable yield (8,569 ) (30,129 ) (69,701 ) Disposals/transfers — (62,183 ) — Reclassifications from (to) nonaccretable difference (a) 7,250 4,735 (1,840 ) Balance — end of year $ 18,145 $ 19,464 $ 107,041 (a) Reclassifications from (to) nonaccretable difference represents the increases (decreases) in accretable yield resulting from higher (lower) estimated undiscounted cash flows. During the years ended December 31, 2018 , 2017 , and 2016 , 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, during the years ended December 31, 2018 , 2017 , and 2016 , the Company recognized certain retail installment with an unpaid principal balance of $213,973 and $290,613 , and $466,050 , respectively, held by non-consolidated securitization Trusts, under optional clean-up calls (Note 7). Following the initial recognition of these loans at fair value, the performing loans in the portfolio will be carried at amortized cost, net of allowance for credit losses. The Company elected the fair value option for all non-performing loans acquired (more than 60 days delinquent as of the re-recognition date), for which it was probable that not all contractually required payments would be collected (Note 15). Receivable from Dealers The receivables from dealers held for investment are all Chrysler Agreement-related. As of December 31, 2018 , borrowers on these dealer receivables are located in Virginia ( 64% ), New York ( 27% ) and Missouri ( 9% ). Held For Sale The carrying value of the Company’s finance receivables held for sale, net is comprised of the following at December 31, 2018 and 2017 : December 31, 2018 December 31, 2017 Retail installment contracts acquired individually $ — $ 1,148,332 Personal loans 1,068,757 1,062,089 Total assets held for sale $ 1,068,757 $ 2,210,421 Sales of retail installment contracts acquired individually and proceeds from sales of charged-off assets for the years ended December 31, 2018 , 2017 , and 2016 were as follows: For the Year Ended December 31, 2018 2017 2016 Sale of retail installment contracts to third parties $ — $ 260,568 $ 3,694,019 Sale of retail installment contracts to affiliates 2,905,922 2,583,341 — Proceeds from sales of charged-off assets 55,902 93,619 64,847

Leases

Leases	12 Months Ended
	Dec. 31, 2018
Leases [Abstract]
Leases	Leases The Company originates 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, 2018 and 2017 : December 31, December 31, Leased vehicles $ 18,737,338 $ 14,285,769 Less: accumulated depreciation (3,518,025 ) (3,110,167 ) Depreciated net capitalized cost 15,219,313 11,175,602 Manufacturer subvention payments, net of accretion (1,307,424 ) (1,042,477 ) Origination fees and other costs 66,966 27,202 Net book value $ 13,978,855 $ 10,160,327 The following summarizes the future minimum rental payments due to the Company as lessor under operating leases as of December 31, 2018 : 2019 $ 2,298,849 2020 1,639,351 2021 588,327 2022 26,824 Thereafter — Total $ 4,553,351 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, 2018 and 2017 : December 31, December 31, Gross investment in capital leases $ 23,809 $ 27,234 Origination fees and other 152 124 Less unearned income (4,465 ) (4,377 ) Net investment in capital leases before allowance 19,496 22,981 Less: allowance for lease losses (3,359 ) (5,642 ) Net investment in capital leases $ 16,137 $ 17,339 The following summarizes the future minimum lease payments due to the Company as lessor under capital leases as of December 31, 2018 : 2019 $ 7,296 2020 6,288 2021 5,057 2022 3,611 Thereafter 1,557 Total $ 23,809

Credit Loss Allowance and Credi

Credit Loss Allowance and Credit Quality	12 Months Ended
	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Abstract]
Credit Loss Allowance and Credit Quality	Credit Loss Allowance and Credit Quality Credit Loss Allowance The Company estimates the allowance for credit losses on individually acquired retail installment contracts (including loans acquired from third party lenders that are considered to have no credit deterioration at acquisition) 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. In developing the allowance, the Company utilizes a loss emergence period assumption, a loss given default assumption applied to recorded investment, and a probability of default assumption. The loss emergence period assumption represents the average length of time between when a loss event is first estimated to have occurred and when the account is charged off. The recorded investment represents unpaid principal balance adjusted for unaccreted net discounts, subvention from manufacturers, and origination costs. Under this approach, the resulting allowance represents the expected net losses of recorded investment inherent in the portfolio. The Company uses a transition based Markov model for estimating the allowance for credit losses on individually acquired retail installment contracts. This model utilizes the recently observed loan transition rates from various loan statuses, including delinquency and accounting statuses from performing to charge off, to forecast future losses. For loans classified as TDRs, impairment is generally measured based on the present value of expected future cash flows discounted at the original effective interest rate. For loans that are considered collateral-dependent, such as certain bankruptcy modifications, impairment is measured based on the fair value of the collateral, less its estimated cost to sell. The amount of the allowance is equal to the difference between the loan’s impaired value and the recorded investment. 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. As of December 31, 2018 and 2017 , 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, 2018 , 2017 , and 2016 were as follows: Year Ended December 31, 2018 Retail Installment Contracts Acquired Individually Receivables Personal Loans Non-TDR TDR Balance — beginning of year $ 1,540,315 $ 1,804,132 $ 164 $ 2,565 Provision for credit losses 1,433,977 772,448 (11 ) (188 ) Charge-offs (a) (2,850,361 ) (2,029,325 ) — (2,546 ) Recoveries 1,695,429 869,488 — 930 Balance — end of year $ 1,819,360 $ 1,416,743 $ 153 $ 761 Year Ended December 31, 2017 Retail Installment Contracts Acquired Individually Receivables Personal Loans Non-TDR TDR Balance — beginning of year $ 1,799,760 $ 1,611,295 $ 724 $ — Provision for credit losses 877,771 1,475,861 (560 ) 10,691 Charge-offs (a) (2,758,023 ) (2,064,331 ) — (8,945 ) Recoveries 1,620,807 781,307 — 819 Balance — end of year $ 1,540,315 $ 1,804,132 $ 164 $ 2,565 (a) For the years ended December 31, 2018 an d 2017 , charge-offs for retail installment contracts acquired individually includes approximately $18 million and $75 million , respectively, for the partial write-down of loans to the collateral value less estimated costs to sell, for which a bankruptcy notice was received. There is no additional credit loss allowance on these loans. No such charge-offs were recorded for the year ended December 31, 2016 . Year Ended December 31, 2016 Retail Installment Contracts Acquired Individually Receivables Non-TDR TDR Balance — beginning of year $ 1,834,391 $ 1,363,023 $ 916 Provision for credit losses 1,300,921 1,170,569 201 Charge-offs (3,109,895 ) (1,613,754 ) (393 ) Recoveries 1,774,343 691,457 — Balance — end of year $ 1,799,760 $ 1,611,295 $ 724 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, 2018 , 2017 , and 2016 was as follows: For the Year Ended December 31, 2018 2017 2016 Balance — beginning of year $ 5,642 $ 9,988 $ 19,878 Provision for credit losses (641 ) 48 (506 ) Charge-offs (6,545 ) (11,069 ) (33,476 ) Recoveries 4,903 6,675 24,092 Balance — end of year $ 3,359 $ 5,642 $ 9,988 There was no impairment activity noted for purchased receivable portfolio for the years ended December 31, 2018 , 2017 and 2016 . Delinquencies Retail installment contracts and personal amortizing term loans are classified as non-performing (or nonaccrual) 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 (nonaccrual) status, previously accrued and uncollected interest is reversed against interest income. If an account is returned to a performing (accrual) status, the Company returns to accruing interest on the loan. The Company considers an account delinquent when an obligor fails to pay substantially all (defined as 90% ) of the scheduled payment by the due date. In each case, the period of delinquency is based on the number of days payments are contractually past due. 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 $129,227 and $130,034 as of December 31, 2018 and 2017 , respectively. A summary of delinquencies as of December 31, 2018 and 2017 is as follows: December 31, 2018 Retail Installment Contracts Held for Investment Loans Purchased Total Principal, 30-59 days past due $ 3,118,869 $ 2,926 $ 3,121,795 Delinquent principal over 59 days (a) 1,712,243 1,532 1,713,775 Total delinquent principal $ 4,831,112 $ 4,458 $ 4,835,570 December 31, 2017 Retail Installment Contracts Held for Investment Loans Purchased Total Principal, 30-59 days past due $ 2,953,203 $ 4,992 $ 2,958,195 Delinquent principal over 59 days (a) 1,642,934 2,855 1,645,789 Total delinquent principal $ 4,596,137 $ 7,847 $ 4,603,984 (a) Interest is accrued until 60 days past due in accordance with the Company’s accounting policy for retail installment contracts. Within the total delinquent principal above, retail installment contracts acquired individually held for investment that were placed on nonaccrual status, as of December 31, 2018 and 2017 : December 31, 2018 December 31, 2017 Amount Percent (a) Amount Percent (a) Non-TDR $ 834,921 2.9 % $ 691,256 2.7 % TDR 733,218 2.6 % 806,938 3.1 % Total nonaccrual principal $ 1,568,139 5.5 % $ 1,498,194 5.8 % (a) Percent of unpaid principal balance of total retail installment contracts acquired individually held for investment. The balances in the above tables reflect total unpaid principal balance rather than recorded investment before allowance. As of December 31, 2018 and 2017 , there were no receivables from dealers that were 30 days or more delinquent. As of December 31, 2018 and 2017 , there were zero and $1,701 , respectively, of retail installment contracts held for sale that were 30 days or more delinquent. Credit Quality Indicators 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, 2018 and 2017 was as follows: FICO ® Band December 31, 2018 (b) December 31, 2017 (b) Commercial (a) 1.9% 2.5% No-FICOs 11.0% 11.2% <540 19.8% 21.9% 540-599 32.9% 32.0% 600-639 18.2% 17.3% >640 16.2% 15.1% (a) No FICO score is obtained on loans to commercial borrowers. (b) Percentages are based on unpaid principal balance 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 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 uncollectable 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. Commercial loan credit quality indicators for receivables from dealers held for investment as of December 31, 2018 and 2017 were as follows: December 31, December 31, Pass $ 14,710 $ 14,130 Special Mention — 1,657 Substandard — — Doubtful — — Loss — — Total (Unpaid principal balance) $ 14,710 $ 15,787 Troubled Debt Restructurings In certain circumstances, the Company modifies the terms of its finance receivables to troubled borrowers. Modifications may include a temporary reduction in monthly payment, 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. The purchased receivables portfolio-credit impaired, operating and capital leases, and loans held for sale, including personal loans, are excluded from the scope of the applicable guidance. The Company’s TDR balance as of December 31, 2018 and 2017 primarily consisted of loans that had been deferred or modified to receive a temporary reduction in monthly payment. As of December 31, 2018 and 2017 , 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 generally 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. For loans that are considered collateral-dependent, such as certain bankruptcy modifications, impairment is measured based on the fair value of the collateral, less its estimated cost to sell. A loan that has been classified as a TDR remains so until the loan is liquidated through payoff or charge-off. For loans on nonaccrual status, interest income is recognized on a cash basis, and the accrual of interest is resumed and reinstated if a delinquent account subsequently becomes 60 days or less past due. TDR loans are generally measured based on the present value of expected cash flows. The recognition of interest income on TDR loans reflects management’s best estimate of the amount that is reasonably assured of collection and is consistent with the estimate of future cash flows used in the impairment measurement. Any accrued but unpaid interest is fully reserved for through the recognition of additional impairment on the recorded investment, if not expected to be collected. The table below presents the Company’s loans modified in TDRs as of December 31, 2018 and 2017 : December 31, 2018 December 31, 2017 Retail Installment Contracts Outstanding recorded investment (a) $ 5,365,477 $ 6,328,159 Impairment (1,416,743 ) (1,804,132 ) Outstanding recorded investment, net of impairment $ 3,948,734 $ 4,524,027 (a) As of December 31, 2018 , the outstanding recorded investment excludes $90.1 million of collateral-dependent bankruptcy TDRs that has been written down by $36.4 million to fair value less cost to sell. As of December 31, 2017 , the outstanding recorded investment excludes $64.7 million of collateral-dependent bankruptcy TDRs that have been written down by $29.2 million to fair value less cost to sell. A summary of the Company’s delinquent TDRs at December 31, 2018 and 2017 , is as follows: December 31, 2018 December 31, 2017 Retail Installment Contracts (a) Principal, 30-59 days past due $ 1,265,946 $ 1,422,101 Delinquent principal over 59 days 810,589 893,708 Total delinquent TDR principal $ 2,076,535 $ 2,315,809 (a) The balances in the above table reflects total unpaid principal balance rather than net recorded investment before allowance. Average recorded investment and income recognized on TDR loans are as follows: For the Year Ended December 31, 2018 December 31, 2017 December 31, 2016 Retail Installment Contracts Retail Installment Contracts Retail Installment Contracts Average outstanding recorded investment in TDRs $ 5,970,789 $ 6,069,442 $ 5,079,782 Interest income recognized 1,035,783 1,037,159 802,048 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, 2018 , 2017 , and 2016 : For the Year Ended December 31, 2018 December 31, 2017 December 31, 2016 Retail Installment Contracts Retail Installment Contracts Retail Installment Contracts Outstanding recorded investment before TDR $ 2,226,775 $ 3,547,456 $ 3,394,308 Outstanding recorded investment after TDR $ 2,236,262 $ 3,541,968 $ 3,419,990 Number of contracts (not in thousands) 132,633 204,775 191,385 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, 2018 , 2017 , and 2016 are summarized in the following table: For the Year Ended December 31, 2018 December 31, 2017 December 31, 2016 Retail Installment Contracts Retail Installment Contracts Retail Installment Contracts Recorded investment in TDRs that subsequently defaulted (a) $ 682,348 $ 820,765 $ 788,933 Number of contracts (not in thousands) 40,149 46,600 44,972 (a) For TDR modifications and TDR modifications that subsequently default, while the allowance methodology remains unchanged, transition rates of the TDR loans are adjusted to reflect the respective risks.

Goodwill and Intangibles

Goodwill and Intangibles	12 Months Ended
	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangibles	Goodwill and Intangibles The Company has identified one operating segment which is also the reporting unit, Consumer Finance. Management tests goodwill for impairment annually and in interim, if an event or circumstance occurs that would “more likely than not” reduce the fair value of the reporting unit to an amount below its carrying value. The Company determines if impairment exists by estimating the fair value of the Consumer Finance reporting unit using the market capitalization method at the measurement date and comparing it to the carrying value. If the fair value is greater than the carrying value, then no goodwill impairment has occurred. The Company completed its test of goodwill for impairment as of October 1, 2018 and concluded that goodwill was not impaired. The carrying amount of goodwill for the years ended December 31, 2018 , 2017 , and 2016 , was unchanged at $74,056 . For each of the years ended December 31, 2018 , 2017 , and 2016 , goodwill amortization of $5,463 , w as deductible for tax purposes. The components of intangible assets at December 31, 2018 and 2017 were as follows: December 31, 2018 Useful Life Gross Carrying Amount Accumulated Amortization Net Carrying Value Amortized intangible assets: Customer relationships 10 years $ 12,400 $ (12,400 ) $ — Software and technology 3 years 47,772 (27,277 ) 20,495 Trademarks 3 - 15 years 20,347 (5,647 ) 14,700 Total $ 80,519 $ (45,324 ) $ 35,195 December 31, 2017 Useful Life Gross Carrying Amount Accumulated Amortization Net Carrying Value Amortized intangible assets: Customer relationships 10 years $ 12,400 $ (11,883 ) $ 517 Software and technology 3 years 33,603 (20,286 ) 13,317 Trademarks 3 - 15 years 20,347 (4,447 ) 15,900 Total $ 66,350 $ (36,616 ) $ 29,734 The Company recognized impairment on intangible assets of zero during the years ended December 31, 2018 , 2017 , and 2016 . Amortization expense on the assets was $9,122 , $9,240 , and $8,411 for the years ended December 31, 2018 , 2017 , and 2016 , respectively. Estimated future amortization expense is as follows: 2019 $ 10,380 2020 7,922 2021 5,817 2022 1,200 2023 and thereafter 9,876 Total $ 35,195 The weighted average remaining useful life for the Company’s amortizing intangible assets was 6.6 years, 8.1 years, and 8.5 years at December 31, 2018 , 2017 , and 2016 , respectively.

Debt

Debt	12 Months Ended
	Dec. 31, 2018
Debt Disclosure [Abstract]
Debt	Debt Revolving Credit Facilities The following table presents information regarding credit facilities as of December 31, 2018 and 2017 : December 31, 2018 Maturity Date(s) Utilized Balance Committed Amount Effective Rate Assets Pledged Restricted Cash Pledged Facilities with third parties: Warehouse line August 2019 $ 53,584 $ 500,000 8.34% $ 78,790 $ — Warehouse line Various (a) 314,845 1,250,000 4.83% 458,390 — Warehouse line (b) August 2020 2,154,243 4,400,000 3.79% 2,859,113 4,831 Warehouse line October 2020 242,377 2,050,000 5.94% 345,599 120 Repurchase facility (c) April 2019 167,118 167,118 3.84% 235,540 — Repurchase facility (c) March 2019 131,827 131,827 3.54% 166,308 — Warehouse line November 2020 1,000,000 1,000,000 3.32% 1,430,524 6 Warehouse line November 2020 317,020 500,000 3.53% 359,214 525 Warehouse line October 2019 97,200 350,000 4.35% 108,418 328 Total facilities with third parties 4,478,214 10,348,945 6,041,896 5,810 Lines of credit with Santander and related subsidiaries: Promissory Note December 2022 250,000 250,000 3.95% — — Promissory Note December 2021 250,000 250,000 3.70% — — Promissory Note December 2023 250,000 250,000 5.25% — — Promissory Note December 2022 250,000 250,000 5.00% — — Promissory Note March 2019 300,000 300,000 4.09% — — Promissory Note October 2020 400,000 400,000 3.10% — — Promissory Note May 2020 500,000 500,000 3.49% — — Promissory Note (d) March 2022 650,000 650,000 4.20% — — Promissory Note August 2021 650,000 650,000 3.38% — — Line of credit July 2021 — 500,000 4.34% — — Line of credit March 2019 — 3,000,000 4.97% — — Total facilities with Santander and related subsidiaries 3,500,000 7,000,000 — — Total revolving credit facilities $ 7,978,214 $ 17,348,945 $ 6,041,896 $ 5,810 (a) One-half of the outstanding balance of this facility matures in March 2019 and the remaining balance matures in March 2020. (b) This line is held exclusively for financing of Chrysler Capital leases. (c) The repurchase facilities are collateralized by securitization notes payable retained by the Company. As the borrower, we are exposed to liquidity risk due to changes in the market value of the retained securities pledged. In some instances, we place or receive cash collateral with counterparties under collateral arrangements associated with our repurchase agreements. (d) In 2017, the Company entered into an interest rate swap to hedge the interest rate risk on this fixed rate debt. This derivative was designated as fair value hedge at inception. This was later terminated and the fair value hedge adjustment as of December 31, 2018 and December 31, 2017 was $3.2 million and $4.2 million , respectively, the amortization of which will reduce interest expense over the remaining life of the fixed rate debt. December 31, 2017 Maturity Date(s) Utilized Balance Committed Amount Effective Rate Assets Pledged Restricted Cash Pledged Facilities with third parties: Warehouse line January 2018 $ 336,484 $ 500,000 2.87% $ 473,208 $ — Warehouse line Various 339,145 1,250,000 2.53% 461,353 12,645 Warehouse line August 2019 2,044,843 3,900,000 2.96% 2,929,890 53,639 Warehouse line December 2018 — 300,000 1.49% — — Warehouse line October 2019 226,577 1,800,000 4.95% 311,336 6,772 Repurchase facility Various 325,775 325,775 3.24% 474,188 13,842 Repurchase facility April 2018 202,311 202,311 2.67% 264,120 — Repurchase facility March 2018 147,500 147,500 3.91% 222,108 — Repurchase facility March 2018 68,897 68,897 3.04% 95,762 — Warehouse line November 2019 403,999 1,000,000 2.66% 546,782 14,729 Warehouse line October 2019 81,865 400,000 4.09% 114,021 3,057 Warehouse line November 2019 435,220 500,000 1.92% 521,365 16,866 Warehouse line October 2018 235,700 300,000 2.84% 289,634 10,474 Total facilities with third parties 4,848,316 10,694,483 6,703,767 132,024 Lines of credit with Santander and related subsidiaries: Line of credit December 2018 — 1,000,000 3.09% — — Promissory Note December 2021 250,000 250,000 3.70% — — Promissory Note December 2022 250,000 250,000 3.95% — — Promissory Note March 2019 300,000 300,000 2.67% — — Promissory Note October 2020 400,000 400,000 3.10% — — Promissory Note May 2020 500,000 500,000 3.49% — — Promissory Note March 2022 650,000 650,000 4.20% — — Promissory Note August 2021 650,000 650,000 3.44% — — Line of credit December 2018 750,000 750,000 1.33% — — Line of credit March 2019 — 3,000,000 3.94% — — Total facilities with Santander and related subsidiaries 3,750,000 7,750,000 — — Total revolving credit facilities $ 8,598,316 $ 18,444,483 $ 6,703,767 $ 132,024 Facilities with Third Parties The warehouse lines and repurchase facility are fully collateralized by a designated portion of the Company’s retail installment contracts (Note 2), leased vehicles (Note 3), securitization notes payables and residuals retained by the Company. Facilities with Santander and Related Subsidiaries Lines of Credit SHUSA provides the Company with $3,500,000 of committed revolving credit that can be drawn on an unsecured basis. Promissory Notes SHUSA provides the Company with $3,500,000 of unsecured promissory notes. Secured Structured Financings The following table presents information regarding secured structured financings as of December 31, 2018 and 2017 : December 31, 2018 Estimated Maturity Date(s) Balance Initial Note Amounts Issued (d) Initial Weighted Average Interest Rate Collateral (b) Restricted Cash 2014 Securitization January 2022 - April 2022 $ 246,989 $ 2,291,020 1.16%-1.27% $ 334,888 $ 65,028 2015 Securitization April 2021 - January 2023 1,651,411 9,054,732 1.33%-2.29% 1,979,942 288,654 2016 Securitization April 2022- March 2024 2,233,720 7,462,790 1.63%-2.8% 2,876,141 285,300 2017 Securitization July 2022 - September 2024 4,385,029 9,296,570 1.35%-2.52% 6,090,150 352,833 2018 Securitization May 2022 - April 2026 10,708,030 13,275,840 2.41%-3.53% 13,631,783 549,899 Public securitizations (a) 19,225,179 41,380,952 24,912,904 1,541,714 2013 Private issuance November 2020 - September 2024 1,507,241 2,044,054 1.28%-1.38% 2,896,344 3,021 2015 Private issuance June 2019-September 2021 1,043,723 1,811,312 0.88%-2.8% 350,212 2,215 2016 Private issuance August 2020 - Sept 2024 454,280 2,550,000 1.93%-2.86% 901,641 1,661 2017 Private issuance April 2021 - Sept 2021 689,152 1,600,000 1.85%-2.44% 1,037,263 5,716 2018 Private issuance June 2022-April 2024 3,981,955 3,300,002 2.42%-3.17% 5,197,806 22,588 Privately issued amortizing notes (c) 7,676,351 11,305,368 10,383,266 35,201 Total secured structured financings $ 26,901,530 $ 52,686,320 $ 35,296,170 $ 1,576,915 (a) Securitizations executed under Rule 144A of the Securities Act are included within this balance. (b) Secured structured financings may be collateralized by the Company’s collateral overages of other issuances. (c) All privately issued amortizing notes issued in 2014 were paid in full. (d) Excludes securitizations which no longer has outstanding debt and excludes any incremental borrowings. December 31, 2017 Estimated Maturity Date(s) Balance Initial Note Amounts Issued Initial Weighted Average Interest Rate Collateral Restricted Cash 2013 Securitizations January 2019 - March 2021 418,806 4,239,700 0.89% - 1.59% 544,948 125,696 2014 Securitizations February 2020 - April 2022 1,150,422 6,391,020 1.16% - 1.72% 1,362,814 210,937 2015 Securitizations September 2019 - January 2023 2,484,051 9,171,332 1.33% - 2.29% 3,465,671 366,062 2016 Securitizations April 2022 - March 2024 3,596,822 7,462,790 1.63% - 2.80% 4,798,807 344,899 2017 Securitizations April 2023 - September 2024 7,343,157 9,535,800 2.01% - 2.52% 9,701,381 422,865 Public securitizations 14,993,258 36,800,642 19,873,621 1,470,459 2011 Private issuance September 2028 281,946 1,700,000 1.46% 398,051 20,356 2013 Private issuances August 2021 - September 2024 2,292,279 2,044,054 1.28% - 1.38% 3,719,148 155,066 2014 Private issuances March 2018 - November 2021 117,730 1,538,087 1.05% - 1.40% 231,997 9,552 2015 Private issuances November 2018 - September 2021 2,009,627 2,305,062 0.88% - 4.09% 988,247 55,451 2016 Private issuances May 2020 - September 2024 1,489,464 3,050,000 1.55% - 2.86% 2,147,988 89,460 2017 Private issuances April 2021 - September 2021 1,373,591 1,641,079 1.85% - 2.27% 1,747,227 47,415 Privately issued amortizing notes 7,564,637 12,278,282 9,232,658 377,300 Total secured structured financings $ 22,557,895 $ 49,078,924 $ 29,106,279 $ 1,847,759 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 (net of interest income earned on retained bonds) by year on these notes at December 31, 2018 , were as follows: 2019, 2.52% $ 1,135,311 2020, 2.63% 1,406,303 2021, 2.96% 5,929,140 2022, 3.32% 7,403,396 2023, 3.61% 4,674,427 Thereafter, 3.48% 6,411,044 $ 26,959,621 Less: unamortized costs (58,091 ) Notes payable - secured structured financings $ 26,901,530 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 privately issues 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, 2018 and 2017 , the Company had private issuances of notes backed by vehicle leases totaling $7,847,071 and $3,710,377 , 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. Amortized debt issuance costs were $38,063 , $34,510 , and $27,111 for the years ended December 31, 2018 , 2017 , and 2016 , respectively. 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, 2018 , 2017 , and 2016 was $735,342 , $554,663 , and $420,153 , respectively.

Variable Interest Entities

Variable Interest Entities	12 Months Ended
	Dec. 31, 2018
Variable Interest Entity Disclosure [Abstract]
Variable Interest Entities	Variable Interest Entities The Company transfers retail installment contracts and vehicle leases 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. The Trusts are considered VIEs under GAAP and the Company may or may not consolidate these VIEs on the consolidated balance sheet. 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, fee income, and provision for credit losses on the retail installment contracts, and leased vehicles and interest expense on the debt. Revolving credit facilities generally also utilize entities that are considered VIEs which are included on the consolidated balance sheets. 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 rights 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, 2018 and 2017 , the Company was servicing $27,193,924 and $26,300,311 , 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, 2018 , 2017 , and 2016 , is as follows: For the Year Ended December 31, 2018 2017 2016 Assets securitized $ 26,650,284 $ 18,442,793 $ 15,828,921 Net proceeds from new securitizations (a) $ 17,338,880 $ 14,126,211 $ 13,319,530 Net proceeds from sale of retained bonds 1,059,694 499,354 436,812 Cash received for servicing fees (b) 887,988 866,210 787,778 Net distributions from Trusts (b) 2,767,509 2,613,032 1,748,013 Total cash received from Trusts $ 22,054,071 $ 18,104,807 $ 16,292,133 (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 During the years ended December 31, 2018 , 2017 , and 2016 the Company sold $2,905,922 , $2,583,341 , and $886,288 , respectively, of gross retail installment contracts to VIEs in off-balance sheet securitizations for a loss (excluding lower of cost or market adjustments, if any) of $20,736 , $13,026 , and $10,511 , respectively, recorded in investment losses, net, in the accompanying consolidated statements of income. Beginning in 2017, the transactions were executed under the Company’s securitization platforms with Santander. Santander, as a majority owned affiliate, holds eligible vertical interest in the Notes and Certificates of not less than 5% to comply with the Dodd-Frank Act risk retention rules. As of December 31, 2018 and 2017 , the Company was servicing $4,072,843 and $3,428,248 , respectively, of gross retail installment contracts that have been sold in off-balance sheet securitizations and were subject to an optional clean-up call. The portfolio was comprised as follows: Year ended December 31, 2018 2017 SPAIN $ 3,461,793 $ 2,024,016 Total serviced for related parties 3,461,793 2,024,016 Chrysler Capital securitizations 611,050 1,404,232 Total serviced for third parties 611,050 1,404,232 Total serviced for others portfolio $ 4,072,843 $ 3,428,248 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, 2018 , 2017 , and 2016 , is as follows: For the Year Ended December 31, 2018 2017 2016 Receivables securitized (a) $ 2,905,922 $ 2,583,341 $ 904,108 Net proceeds from new securitizations $ 2,909,794 $ 2,588,227 $ 876,592 Cash received for servicing fees 43,859 35,682 47,804 Total cash received from securitization trusts $ 2,953,653 $ 2,623,909 $ 924,396 (a) Represents the unpaid principal balance at the time of original securitization.

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2018
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	Derivative Financial Instruments The Company manages its exposure to changing interest rates using derivative financial instruments. In certain circumstances, the Company is required to hedge its interest rate risk on its secured structured financings and the borrowings under its revolving credit facilities. The Company uses interest rate swaps to counteract the variability of cash flows on securities issued by securitization Trusts and borrowings under the Company’s Warehouse facilities. The Company uses interest rate caps to satisfy the lending requirements to hedge its interest rate risk on secured structured financings. 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) and amounts are reclassified from AOCI to earnings as the forecasted transactions impact earnings. The Company’s remaining interest rate swap agreements, as well as its interest rate cap agreements and the corresponding options written to offset the interest rate cap agreements 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, 2018 and 2017 , were as follows: December 31, 2018 Notional Fair Value Asset Liability Interest rate swap agreements designated as cash flow hedges $ 3,933,500 $ 36,489 $ 43,967 $ (7,478 ) Interest rate swap agreements not designated as hedges 2,270,200 9,423 11,553 (2,130 ) Interest rate cap agreements 7,741,765 128,377 128,377 — Options for interest rate cap agreements 7,741,765 (128,377 ) — (128,377 ) December 31, 2017 Notional Fair Value Asset Liability Interest rate swap agreements designated as cash flow hedges $ 4,926,900 $ 45,986 $ 45,986 $ — Interest rate swap agreements not designated as hedges 1,736,400 9,596 9,596 — Interest rate cap agreements 10,906,081 103,721 135,830 (32,109 ) Options for interest rate cap agreements 10,906,081 (103,659 ) 32,165 (135,824 ) During the second quarter of 2017, the Company entered into an interest rate swap to hedge the interest rate risk on a certain fixed rate debt. This derivative was designated as a fair value hedge at inception and was accounted for by recording the change in the fair value of the derivative instrument and the related hedged item attributable to interest rate risk on the Consolidated Balance Sheets, with the corresponding income or expense recorded in the Consolidated Statements of Operations. During the third quarter of 2017, the Company terminated the interest rate swap. The Company purchased a loan portfolio for which it was obligated to make purchase price holdback payments and total return settlement payments that were considered to be derivatives, collectively referred to herein as “total return settlement,” and accordingly were marked to fair value each reporting period. All purchase price holdback payments and all total return settlement payments were made as of December 31, 2017, the derivative instrument was settled. 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, 2018 and 2017 . 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. See Note 15 - “Fair Value of Financial Instruments” in the accompanying financial statements for additional disclosure of fair value and balance sheet location of the Company’s derivative financial instruments. The Company enters into legally enforceable master netting agreements that reduce risk by permitting netting of transactions, such as derivatives and collateral posting, with the same counterparty on the occurrence of certain events. A master netting agreement allows two counterparties the ability to net-settle amounts under all contracts, including any related collateral posted, through a single payment. The right to offset and certain terms regarding the collateral process, such as valuation, credit events and settlement, are contained in ISDA master agreements. The Company has elected to present derivative balances on a gross basis even if the derivative is subject to a legally enforceable master netting (ISDA) agreement. Collateral that is received or pledged for these transactions is disclosed within the “Gross amounts not offset in the Consolidated Balance Sheet” section of the tables below. Information on the offsetting of derivative assets and derivative liabilities due to the right of offset was as follows, as of December 31, 2018 and 2017 : Gross Amounts Not Offset in the Assets Presented Cash Net December 31, 2018 Interest rate swaps - third party (b) 55,520 (23,929 ) 31,591 Interest rate caps - third party 128,377 (72,830 ) 55,547 Total derivatives subject to a master netting arrangement or similar arrangement 183,897 (96,759 ) 87,138 Total derivatives not subject to a master netting arrangement or similar arrangement — — — Total derivative assets $ 183,897 $ (96,759 ) $ 87,138 Total financial assets $ 183,897 $ (96,759 ) $ 87,138 December 31, 2017 Interest rate swaps - Santander & affiliates $ 8,621 $ (3,461 ) $ 5,160 Interest rate swaps - third party 46,961 (448 ) 46,513 Interest rate caps - Santander & affiliates 18,201 (12,240 ) 5,961 Interest rate caps - third party 149,794 (55,835 ) 93,959 Total derivatives subject to a master netting arrangement or similar arrangement 223,577 (71,984 ) 151,593 Total derivatives not subject to a master netting arrangement or similar arrangement — — — Total derivative assets $ 223,577 $ (71,984 ) $ 151,593 Total financial assets $ 223,577 $ (71,984 ) $ 151,593 (a) Cash collateral received is reported in Other liabilities or Due to affiliate, as applicable, in the consolidated balance sheet. (b) Includes derivative instruments originally transacted with Santander and affiliates and subsequently amended to reflect clearing with central clearing counterparties. Gross Amounts Not Offset in the Liabilities Presented Cash Net December 31, 2018 Interest rate swaps - third party $ 9,608 $ (9,608 ) $ — Interest rate caps - third party 128,377 (128,377 ) — Total derivatives subject to a master netting arrangement or similar arrangement 137,985 (137,985 ) — Total derivatives not subject to a master netting arrangement or similar arrangement — — — Total derivative liabilities $ 137,985 $ (137,985 ) $ — Total financial liabilities $ 137,985 $ (137,985 ) $ — December 31, 2017 Back to back - Santander & affiliates 18,201 (18,201 ) — Back to back - third party 149,732 (133,540 ) 16,192 Total derivatives subject to a master netting arrangement or similar arrangement 167,933 (151,741 ) 16,192 Total derivatives not subject to a master netting arrangement or similar arrangement — — — Total derivative liabilities $ 167,933 $ (151,741 ) $ 16,192 Total financial liabilities $ 167,933 $ (151,741 ) $ 16,192 (a) Cash collateral pledged is reported in Other assets or Due from affiliate, as applicable, in the consolidated balance sheet. In certain instances, the Company is over-collateralized since the actual amount of cash pledged as collateral exceeds the associated financial liability, as such, the actual amount of cash collateral pledged that is reported in Other assets or Due from affiliates may be greater than the amount shown in the table above. The gross amount reclassified from accumulated other comprehensive income to 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, 2018 , 2017 , and 2016 as follows: December 31, 2018 Recognized in Earnings Gross Gains Recognized in Accumulated Other Comprehensive Income (Loss) Gross amount Reclassified From Accumulated Other Comprehensive Interest rate swap agreements designated as cash flow hedges $ — $ 20,537 $ 37,710 Derivative instruments not designated as hedges: Losses (Gains) recognized in interest expense $ (5,369 ) December 31, 2017 Recognized in Earnings Gross Gains Recognized in Accumulated Other Comprehensive Income (Loss) Gross amount Reclassified From Accumulated Other Comprehensive Interest rate swap agreements designated as cash flow hedges $ 112 $ 22,333 $ 6,060 Derivative instruments not designated as hedges: Losses (Gains) recognized in operating expenses $ 6,835 December 31, 2016 Recognized in Earnings Gross Gains Recognized in Accumulated Other Comprehensive Income (Loss) Gross amount Reclassified From Accumulated Other Comprehensive Interest rate swap agreements designated as cash flow hedges $ 1,131 $ (2,118 ) $ (43,898 ) Derivative instruments not designated as hedges: Losses (Gains) recognized in operating expenses 1,593 The Company estimates that approximately $33,465 of unrealized gains included in accumulated other comprehensive income will be reclassified to interest expense within the next twelve months.

Other Assets

Other Assets	12 Months Ended
	Dec. 31, 2018
Other Assets [Abstract]
Other Assets	Other Assets Other assets comprised the following balances: December 31, December 31, Vehicles (a) $ 342,097 $ 293,546 Manufacturer subvention payments receivable (b) 106,313 83,910 Upfront fee (b) 65,000 80,000 Derivative assets at fair value (c) 183,897 196,755 Derivative- third party collateral 150,783 149,805 Prepaids 29,080 40,830 Accounts receivable 28,511 38,583 Other 57,666 29,815 Total $ 963,347 $ 913,244 (a) Includes vehicles recovered through repossession as well as vehicles recovered due to lease terminations. (b) These amounts relate to the Chrysler Agreement. The Company paid a $150,000 upfront fee upon the May 2013 inception of the Chrysler 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. Exercise of the equity option in the Chrysler agreement by FCA would require the Company to evaluate whether the remaining unamortized balance of the upfront fee should be impaired. To date, FCA has not exercised its equity option. (c) Derivative assets at fair value represent the gross amount of derivatives presented in the consolidated financial statements. Refer to Note 8 to these Consolidated Financial Statements for the detail of these amounts.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The components of the provision for income taxes for the years ended December 31, 2018 , 2017 , and 2016 , were as follows: For the Year Ended December 31, 2018 2017 2016 Income before income taxes: Domestic $ 1,189,612 $ 697,991 $ 942,436 Foreign 2,656 106,018 218,275 Total $ 1,192,268 $ 804,009 $ 1,160,711 Current income tax expense (benefit): Federal $ (9,702 ) $ (6,140 ) $ 2,481 State 18,448 (6,436 ) 3,273 Foreign 110 4,273 8,738 Total current income tax expense (benefit) $ 8,856 $ (8,303 ) $ 14,492 Deferred income tax expense (benefit): Federal 217,309 (390,637 ) 343,816 State 50,180 30,181 35,944 Foreign (3 ) (39 ) (7 ) Total deferred income tax expense (benefit) 267,486 (360,495 ) 379,753 Total income tax expense (benefit) $ 276,342 $ (368,798 ) $ 394,245 In December 2015, the Company formed a wholly-owned foreign subsidiary that is licensed in Puerto Rico as an International Financial Entity (IFE) under the Government approved Act Number 273. This classification results in the granting of tax decree securing a 4% fixed income tax rate and a number of non-income tax benefits for an initial period of fifteen (15) years. As of December 31, 2018 and 2017 , the Company has no earnings which are considered indefinitely reinvested. The reconciliation of the federal statutory income tax rate to the Company’s effective income tax rates for the years ended December 31, 2018 , 2017 , and 2016 , is as follows: For the Year Ended December 31, 2018 2017 2016 Federal statutory rate 21.0 % 35.0 % 35.0 % State and local income taxes — net of federal income tax benefit 4.6 2.3 2.5 Valuation allowance 0.3 — (2.2 ) Electric vehicle credit (0.8 ) (3.0 ) (2.3 ) Tax reform - deferred impact — (83.9 ) — Tax reform - transition tax — 3.1 — Other (1.9 ) 0.6 1.0 Effective income tax rate 23.2 % (45.9 )% 34.0 % On December 22, 2017, H.R.1, known as the “Tax Cuts and Jobs Act,” was signed into law. The Tax Cuts and Jobs Act permanently lowered the corporate tax rate from the previous rate of 35% to 21%, effective for tax years beginning January 1, 2018. As a result of the reduction of the corporate tax rate, GAAP requires companies to revalue their deferred tax assets and liabilities with resulting tax effects accounted for in the reporting period of enactment. The Company recorded a one-time $674,886 benefit primarily due to the revaluation of its U.S. deferred tax liabilities at the lower 21% U.S. federal corporate income tax rate. The Tax Cuts and Jobs Act also created a territorial tax system with a one-time mandatory tax on previously deferred foreign earnings of U.S. subsidiaries. The Company recorded a $25,143 expense related to its Puerto Rican subsidiary, SCI. The Company’s accounting for the effects of the change in tax law is complete. The Tax Cuts and Jobs Act also requires a U.S. shareholder of a controlled foreign corporation (CFC) to include in income, as a deemed dividend, the global intangible low-taxed income (GILTI) of the CFC. This provision is effective for taxable years of foreign corporations beginning after December 31, 2017, and to taxable years of United States shareholders in which or with which such taxable years of foreign corporations end. The Company has elected to treat taxes due on future U.S. inclusions in taxable income under the GILTI provision as a current period expense when incurred. 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, the Company recorded a deemed contribution from affiliates in the amount of $2,881 , which is included in additional paid-in capital section in the accompanying consolidated balance sheets. At December 31, 2018 and 2017 , the Company had a net receivable from affiliates under the tax sharing agreement of $734 and $467 , respectively, which was included in Related party taxes receivable in the consolidated balance sheets. The tax effects of temporary differences between the financial reporting and income tax basis of assets and liabilities at December 31, 2018 and 2017 , are as follows: December 31, December 31, Deferred tax assets: Debt issuance costs $ 5,454 $ 4,181 Receivables 296,145 520,255 Capitalized origination costs 196 — Net operating loss carryforwards 1,468,374 352,658 Equity-based compensation 14,727 14,258 Credit carryforwards 177,526 163,140 Other 31,392 32,264 Total gross deferred tax assets 1,993,814 1,086,756 Deferred tax liabilities: Capitalized origination costs — (4,229 ) Goodwill (12,735 ) (11,278 ) Leased vehicles (3,109,118 ) (1,942,273 ) Furniture and equipment (5,702 ) (7,201 ) Derivatives (13,357 ) (9,966 ) Other (1,275 ) (925 ) Total gross deferred tax liabilities (3,142,187 ) (1,975,872 ) Valuation allowance (7,510 ) (3,299 ) Net deferred tax asset (liability) $ (1,155,883 ) $ (892,415 ) At December 31, 2018 and 2017 , the Company’s largest deferred tax liability was leased vehicles of $3,109,118 and $1,942,273 , respectively. The increase in this liability is primarily due to accelerated depreciation for tax purposes. The Company had a like-kind exchange program for the leased auto portfolio through December 31, 2017. Pursuant to the program, the Company disposed of vehicles and acquired replacement vehicles in a form whereby tax gains on disposal of eligible vehicles were deferred. To qualify for like-kind exchange treatment, the Company exchanged through a qualified intermediary eligible vehicles being disposed of with vehicles being acquired, allowing SC to generally carryover the tax basis of the vehicles sold (“like-kind exchanges”). The program resulted in a material deferral of federal and state income taxes, and a decrease in cash taxes in periods when the Company was not in a net operating loss (NOL) position. As part of the program, the proceeds from the sale of eligible vehicles were restricted for the acquisition of replacement vehicles and other specified applications. The Tax Cuts and Jobs Act permanently eliminated the ability to exchange personal property after January 1, 2018, which resulted in the like-kind exchange program being discontinued in 2018. The Company began generating qualified plug-in electric vehicle credits in 2013; the credit carryforwards of $170,793 will begin expiring in 2034 . The Company has foreign tax credit carryforwards of $6,664 , which will expire in varying amounts through 2038 . The Company has work opportunity tax credit carryforwards of $69 , which will expire in varying amounts through 2038 . At adoption of ASU 2016-09 on January 1, 2017, the cumulative-effect for previously unrecognized excess tax benefits totaled $26,552 net of tax, and was recognized, as an increase, through an adjustment in beginning retained earnings. On a prospective basis, the Company recorded excess tax deficiency/(windfall), net of tax of $(761) and $796 in the provision for income taxes rather than as an decrease/(increase) to additional paid-in capital for the years ended December 31, 2018 and 2017, respectively. Therefore, the year ended December 31, 2016 has not been adjusted. During the year ended December 31, 2018, the Company adopted ASU 2018-02, Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income. This standard requires entities to reclassify from accumulated other comprehensive income to retained earnings stranded tax effects resulting from the 2017 Tax Cuts and Jobs Act. The Company reclassified $6,149 related to stranded tax effects. At December 31, 2018 , the Company has tax-effected federal net operating loss carryforwards of $1,406,579 , which may be offset against future taxable income. If not utilized in future years, $397,817 of these carryforwards will expire in varying amounts through 2037 . The remaining $1,008,762 of carryforwards do not expire. The Company has tax-effected state net operating loss carryforwards of $61,795 , which may be used against future taxable income. If not utilized in future years, these will expire in varying amounts through 2038 . As of December 31, 2018 , the Company had recorded a valuation allowance for state tax net operating loss carryforwards and foreign tax credits for which it does not have a tax-planning strategy in place. A rollforward of the valuation allowance for the years ended December 31, 2018 , 2017 , and 2016 is as follows: For the Year Ended December 31, 2018 2017 2016 Valuation allowance, beginning of year $ 3,299 $ 2,501 $ 30,489 Provision (release) 4,211 798 (27,988 ) Valuation allowance, end of year $ 7,510 $ 3,299 $ 2,501 A reconciliation of the beginning and ending balances of gross unrecognized tax benefits for each of the years ended December 31, 2018 , 2017 , and 2016 is as follows: For the Year Ended December 31, 2018 2017 2016 Gross unrecognized tax benefits balance, January 1 $ 14,746 $ 16,736 $ 225 Additions for tax positions taken in the current year — — 16,606 Additions for tax positions of prior years 1,608 473 — Reductions for tax positions of prior years (203 ) (589 ) (34 ) Reductions as a result of a lapse of the applicable statute of limitations (186 ) (1,874 ) — Settlements — — (61 ) Gross unrecognized tax benefits balance, December 31 $ 15,965 $ 14,746 $ 16,736 At December 31, 2018 , 2017 , and 2016 , there were $15,836 , $14,615 and $16,606 , 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 $895 , $653 , and $1,551 are included with the related tax liability line in the accompanying consolidated balance sheets as of December 31, 2018 , 2017 , 2016 , respectively. At December 31, 2018 , the Company believes that it is reasonably possible that a portion of the balance of the gross unrecognized tax benefits could decrease to zero in the next twelve months due to ongoing activities with various taxing jurisdictions that the Company expects may give rise to settlements or the expiration of statute of limitations. The Company continually evaluates expiring statutes of limitations, audits, proposed settlements, changes in tax law, and new authoritative rulings. The Company is subject to examination by federal and state taxing authorities. Periods subsequent to December 31, 2010 are open for audit by the IRS. The SHUSA consolidated return, of which the Company is a part through December 31, 2011, is currently under IRS examination for 2011. The Company’s separate returns for 2012, 2013, and 2014 are also under IRS examination. Periods subsequent to December 31, 2008, are open for audit by various state taxing authorities.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies The following table summarizes liabilities recorded for commitments and contingencies as of December 31, 2018 and 2017 , all of which are included in accounts payable and accrued expenses in the accompanying consolidated balance sheets: Agreement or Legal Matter Commitment or Contingency December 31, 2018 December 31, 2017 Chrysler Agreement Revenue-sharing and gain-sharing payments $ 7,001 $ 6,580 Agreement with Bank of America Servicer performance fee 6,353 8,072 Agreement with CBP Loss-sharing payments 3,708 5,625 Other Contingencies Consumer arrangements 2,138 6,326 Legal and regulatory proceedings Aggregate legal and regulatory liabilities 97,700 108,800 Following is a description of the agreements and legal matters pursuant to which the liabilities in the preceding table were recorded. Chrysler Agreement Under terms of the Chrysler Agreement, the Company must make revenue sharing payments to FCA and also must make gain-sharing payments to FCA when residual gains on leased vehicles exceed a specified threshold. The Company had accrued $7,001 and $6,580 at December 31, 2018 and 2017 , respectively, related to these obligations. The Chrysler Agreement requires, among other things, that the Company bear the risk of loss on loans originated pursuant to the agreement, but also that FCA shares in any residual gains and losses from consumer leases. The Chrysler Agreement also requires that the Company maintain at least $5.0 billion in funding available for Floorplan Loans and $4.5 billion of financing dedicated to FCA retail financing. In turn, FCA must provide designated minimum threshold percentages of its subvention business to the Company. The Chrysler Agreement is subject to early termination in certain circumstances, including the failure by either party to comply with certain of their ongoing obligations under the Chrysler Agreement. These obligations include the Company’s meeting specified escalating penetration rates for the first five years of the agreement. The Company did not meet these penetration rates. Also, FCA has the option to acquire, for fair market value, an equity participation in the business offering and providing the financial services contemplated by the Chrysler Agreement. If FCA exercises its equity option, the Chrysler Agreement were to terminate, or the Company otherwise is unable to realize the expected benefits of its relationship with FCA, there could be a materially adverse impact to the Company’s business, financial condition, results of operations, profitability, loan and lease volume, the credit quality of its portfolio, liquidity, funding and growth, and the Company’s ability to implement its business strategy could be materially adversely affected. Agreement with Bank of America Until January 2017, the Company had a flow agreement with Bank of America whereby the Company was committed to selling up to $300,000 of eligible loans to the bank each month. 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. Servicer performance payments are due six years from the cut-off date of each loan sale. The Company had accrued $6,353 and $8,072 at December 31, 2018 and 2017 , respectively, related to this obligation. Agreement with CBP Until May 2017, the Company sold loans to CBP under terms of a flow agreement and predecessor sale agreements. The Company retained 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. Loss-sharing payments are due the month in which net losses exceed the established threshold of each loan sale. The Company had accrued $3,708 and $5,625 at December 31, 2018 and 2017 , respectively, related to the loss-sharing obligation. Other Contingencies The Company is or may be subject to potential liability under various other contingent exposures. The Company had accrued $2,138 and $6,326 at December 31, 2018 and 2017 , respectively, for other miscellaneous contingencies. Legal and regulatory proceedings Periodically, the Company is party to, or otherwise involved in, various lawsuits and other legal proceedings that arise in the ordinary course of business. In view of the inherent difficulty of predicting the outcome of any such lawsuit, regulatory matter and legal proceeding, particularly where the claimants seek very large or indeterminate damages or where the matters present novel legal theories or involve a large number of parties, the Company generally cannot predict the eventual outcome of the pending matters, the timing of the ultimate resolution of the matters, or the eventual loss, fines or penalties related to the matter. Further, it is reasonably possible that actual outcomes or losses may differ materially from the Company’s current assessments and estimates and any adverse resolution of any of these matters against it could materially and adversely affect the Company’s business, financial condition and results of operation. In accordance with applicable accounting guidance, the Company establishes an accrued liability for litigation, regulatory matters and other legal proceedings when those matters present material loss contingencies that are both probable and estimable. In such cases, there may be an exposure to loss in excess of any amounts accrued. When a loss contingency is not both probable and estimable, the Company does not establish an accrued liability. As a litigation, regulatory matter or other legal proceeding develops, the Company, in conjunction with any outside counsel handling the matter, evaluates on an ongoing basis whether the matter presents a material loss contingency that is probable and estimable. If a determination is made during a given quarter that a material loss contingency is probable and estimable, an accrued liability is established during such quarter with respect to such loss contingency. The Company continues to monitor the matter for further developments that could affect the amount of the accrued liability previously established. As of December 31, 2018 , the Company has accrued aggregate legal and regulatory liabilities of $97,700 . Further, the Company believes that the estimate of the aggregate range of reasonably possible losses, in excess of reserves established, for legal and regulatory proceedings is up to $150,000 as of December 31, 2018 . Set forth below are descriptions of the material lawsuits, regulatory matters and other legal proceedings to which the Company is subject. Securities Class Action and Shareholder Derivative Lawsuits • Deka Lawsuit: The Company is a defendant in a purported securities class action lawsuit (the Deka Lawsuit) in the United States District Court, Northern District of Texas, captioned Deka Investment GmbH et al. v. Santander Consumer USA Holdings Inc. et al. , No. 3:15-cv-2129-K. The Deka Lawsuit, which was filed in August 26, 2014, was brought 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 on behalf of a class consisting of those who purchased or otherwise acquired our securities between January 23, 2014 and June 12, 2014. The complaint alleges, among other things, that our IPO registration statement and prospectus and certain subsequent public disclosures violated federal securities laws by containing misleading statements concerning the Company’s ability to pay dividends and the adequacy of the Company’s compliance systems and oversight. The complaint seeks unspecified damages. In December 2015, the Company and the individual defendants moved to dismiss the lawsuit, which was denied. In December, 2016, the plaintiffs moved to certify the proposed classes. In July 2017, the court entered an order staying the Deka Lawsuit pending the resolution of the appeal of a class certification order in In re Cobalt Int’l Energy, Inc. Sec. Litig ., No. H-14-3428, 2017 U.S. Dist. LEXIS 91938 (S.D. Tex. June 15, 2017). In October 2018, the court vacated the order staying the Deka Lawsuit and ordered that merits discovery in the Deka Lawsuit be stayed until the court ruled on the issue of class certification. • Feldman Lawsuit: In October 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 Feldman Lawsuit). The Feldman Lawsuit names as defendants current and former members of the Board, 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 nonprime vehicle lending practices, resulting in harm to the Company. The complaint seeks unspecified damages and equitable relief. In December, 2015, the Feldman Lawsuit was stayed pending the resolution of the Deka Lawsuit. • Parmelee Lawsuit: The Company is a defendant in two purported securities class actions lawsuits that were filed in March and April 2016 in the United States District Court, Northern District of Texas. The lawsuits were consolidated and are now captioned Parmelee v. Santander Consumer USA Holdings Inc. et al. , No. 3:16-cv-783. The lawsuits were filed against the Company and certain of its current and former directors and executive officers on behalf of a class consisting of all those who purchased or otherwise acquired our securities between February 3, 2015 and March 15, 2016. The complaint alleges that the Company violated federal securities laws by making false or misleading statements, as well as failing to disclose material adverse facts, in its periodic reports filed under the Exchange Act and certain other public disclosures, in connection with, among other things, the Company’s change in its methodology for estimating its allowance for credit losses and correction of such allowance for prior periods. In March 2017, the Company filed a motion to dismiss the lawsuit. In January 2018, the court granted the Company’s motion as to defendant Ismail Dawood (the Company’s former Chief Financial Officer) and denied the motion as to all other defendants. In July 2018, the lead plaintiff filed an unopposed motion for preliminary approval of a class action settlement of the lawsuit for a cash payment of $9,500 . In September 2018, the court entered an order granting the motion for preliminary approval of the settlement of the lawsuit. • Jackie888 Lawsuit: In September 2016, a shareholder derivative complaint was filed in the Court of Chancery of the State of Delaware, captioned Jackie888, Inc. v. Jason Kulas, et al ., C.A. # 12775 (the Jackie888 Lawsuit). The Jackie888 Lawsuit names as defendants current and former members of the Board, and names the Company as a nominal defendant. The complaint alleges, among other things, that the defendants breached their fiduciary duties in connection with the Company’s accounting practices and controls. The complaint seeks unspecified damages and equitable relief. In April 2017, the Jackie888 Lawsuit was stayed pending the resolution of the Deka Lawsuit. Consumer Lending Cases The Company is also party to various lawsuits pending in federal and state courts alleging violations of state and federal consumer lending laws, including, without limitation, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Section 5 of the Federal Trade Commission Act, the Telephone Consumer Protection Act, the Truth in Lending Act, wrongful repossession laws, usury laws and laws related to unfair and deceptive acts or practices. In general, these cases seek damages and equitable and/or other relief. Regulatory Investigations and Proceedings The Company is party to, or is periodically otherwise involved in, reviews, investigations, examinations and proceedings (both formal and informal), and information-gathering requests, by government and self-regulatory agencies, including the FRBB, the CFPB, the DOJ, the SEC, the FTC and various state regulatory and enforcement agencies. Currently, such matters include, but are not limited to, the following: • The Company received a civil subpoena from the DOJ, under FIRREA, requesting the production of documents and communications that, among other things, relate to the underwriting and securitization of nonprime vehicle loans. The Company has responded to these requests within the deadlines specified in the subpoenas and has otherwise cooperated with the DOJ with respect to these matter. • In October 2014, the Company received a subpoena from the SEC commencing an investigation into the Company’s securitization practices. In June 2016, the SEC served an additional subpoena on the Company requesting documents related to the Company’s securitizations practices as well as the Company’s financial restatements. The Company produced documents responsive to these subpoenas, and the SEC took testimony from certain of the Company’s employees. In December 2018, the SEC and the Company reached a voluntary agreement to settle the SEC’s investigation under which the SEC entered a cease-and-desist order against the Company in an administrative matter captioned In the Matter of Santander Consumer USA Holdings Inc. , File No. 3-18932. The Company paid a civil penalty of $1,500 in January 2019 and agreed to cease and desist from any future violations of the Exchange Act and the rules thereunder. • In October 2014, May 2015, July 2015 and February 2017, the Company received subpoenas and/or Civil Investigative Demands (CIDs) from the Attorneys General of California, Illinois, Oregon, New Jersey, Maryland and Washington under the authority of each state’s consumer protection statutes. The Company has been informed that these states will serve as an executive committee on behalf of a group of 32 state Attorneys General (and the District of Columbia). The subpoenas and/or CIDs from the executive committee states contain broad requests for information and the production of documents related to the Company’s underwriting, securitization, servicing and collection of nonprime vehicle loans. The Company has responded to these requests within the deadlines specified in the CIDs and has otherwise cooperated with the Attorneys General with respect to this matter. • In February 2016, the CFPB issued a supervisory letter relating to its investigation of the Company’s compliance systems, Board and senior management oversight, consumer complaint handling, marketing of GAP coverage and loan deferral disclosure practices. The Company subsequently received a series of CIDs from the CFPB requesting information and testimony regarding the Company’s marketing of GAP coverage and loan deferral disclosure practices. In November 2018, the Company entered into a voluntary settlement with the CFPB under which the CFPB entered a consent order against the Company in an administrative proceeding captioned In the Matter of Santander Consumer USA Inc. , File No. 2018-BCFP-0008. In the consent order, the CFPB found, among other things, that the Company violated the Consumer Financial Protection Act of 2010 (CFPA) in its marketing of GAP coverage and in certain of its loan deferral disclosure practices. Without admitting or denying the findings, the Company agreed to pay a civil penalty of $2,500 to the CFPB and to provide remediation to certain impacted customers. The consent order also requires the Company to submit a comprehensive plan to the CFPB demonstrating how it will comply with the CFPA and the terms of the consent order. • In August 2017, the Company received a CID from the CFPB. The stated purpose of the CID is to determine whether the Company has complied with the Fair Credit Reporting Act and related regulations. The Company has responded to these requests within the deadlines specified in the CIDs and has otherwise cooperated with the CFPB with respect to this matter. These matters are ongoing and could in the future result in the imposition of damages, fines or other penalties. No assurance can be given that the ultimate outcome of these matters or any resulting proceedings would not materially and adversely affect the Company’s business, financial condition and results of operations. • 2017 Written Agreement with the Federal Reserve In March 2017, the Company and SHUSA entered into a written agreement (the 2017 Written Agreement) with the FRBB. Under the terms of the 2017 Written Agreement, the Company is required to enhance its compliance risk management program, board oversight of risk management and senior management oversight of risk management, and SHUSA is required to enhance its oversight of the Company’s management and operations. • Mississippi Attorney General Lawsuit In January 2017, the Attorney General of Mississippi filed a lawsuit against the Company in the Chancery Court of the First Judicial District of Hinds County, Mississippi, captioned State of Mississippi ex rel. Jim Hood, Attorney General of the State of Mississippi v. Santander Consumer USA Inc., C.A. # G-2017-28. The complaint alleges that the Company engaged in unfair and deceptive business practices to induce Mississippi consumers to apply for loans that they could not afford. The complaint asserts claims under the Mississippi Consumer Protection Act (the MCPA) and seeks unspecified civil penalties, equitable relief and other relief. In March 2017, the Company filed motions to dismiss the lawsuit and the parties are proceeding with discovery. • SCRA Consent Order In February 2015, the Company entered into a consent order with the DOJ, approved by the United States District Court for the Northern District of Texas, that resolves the DOJ’s claims against the Company that certain of its repossession and collection activities during the period of time between January 2008 and February 2013 violated the SCRA. The consent order requires the Company to pay a civil fine in the amount of $55 , as well as at least $9,360 to affected servicemembers consisting of $10 per servicemember plus compensation for any lost equity (with interest) for each repossession by the Company, and $5 per servicemember for each instance where the Company sought to collect repossession-related fees on accounts where a repossession was conducted by a prior account holder. The consent order also provides for monitoring by the DOJ for the Company’s SCRA compliance for a period of five years and requires the Company to undertake certain additional remedial measures. Agreements • Bluestem The Company is party to agreements with Bluestem whereby the Company is committed to purchase certain new advances on personal revolving financings receivables, along with existing balances on accounts with new advances, originated by Bluestem for an initial term ending in April 2020 and renewable through April 2022 at Bluestem’s option. As of December 31, 2018 and 2017 , the total unused credit available to customers was $3.1 billion and $3.9 billion respectively. In 2018 , the Company purchased $1.2 billion of receivables, out of the $3.9 billion unused credit available to customers as of December 31, 2017. In 2017, the Company purchased $1.2 billion of receivables, out of the $4.0 billion unused credit available to customers as of December 31, 2016. In addition, the Company purchased $304,550 and $263,831 of receivables related to newly opened customer accounts in 2018 and 2017 respectively. 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 of December 31, 2018 and 2017 , the Company was obligated to purchase $15,356 and $11,539 , respectively, in receivables that had been originated by Bluestem but not yet purchased by the Company. The Company also is required to make a profit-sharing payment to Bluestem each month if performance exceeds a specified return threshold. During the year ended December 31, 2015, the Company and Bluestem executed an amendment that, among other provisions, increased 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 Bluestem the right to retain up to 20% of new accounts subsequently originated. • SBNA 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. There were no adjustments for the years ended December 31, 2018 and 2017 . 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 in May 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. As of December 31, 2018 , the balance in the collateral account is zero . 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 for which SBNA and the Company had differing residual value expectations at lease inception. As of December 31, 2018 and 2017 , the Company had a recorded liability of $39 and $2,206 , respectively, related to the residual losses covered under the agreement. • Others Under terms of an application transfer agreement with Nissan, the Company has the first opportunity to review for its own portfolio any credit applications turned down by the Nissan’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 Nissan a referral fee. 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, 2018 , 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 is not expected to have a material adverse effect on the Company’s business, 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 lines and privately issued amortizing notes. These guarantees are limited to the obligations of the Company as servicer. In November 2015, the Company executed a forward flow agreement with a third party under terms of which the Company committed to sell $350,000 in charged off loan receivables in bankruptcy status on a quarterly basis. However, any sale more than $275,000 is subject to a market price check. The remaining aggregate commitment as of December 31, 2018 and 2017 , not subject to market price risk was $63,975 and $98,858 , respectively. Leases The Company has entered into various operating leases, primarily for office space and computer equipment. Lease expense incurred totaled $10,192 , $10,901 and $11,328 for the years ended December 31, 2018 , 2017 , and 2016 , respectively. The remaining obligations under lease commitments at December 31, 2018 are as follows: 2019 $ 12,817 2020 13,080 2021 12,940 2022 12,282 2023 12,393 Thereafter 32,270 Total $ 95,782

Related-Party Transactions

Related-Party Transactions	12 Months Ended
	Dec. 31, 2018
Related Party Transactions [Abstract]
Related-Party Transactions	Related-Party Transactions Related-party transactions not otherwise disclosed in these footnotes to the consolidated financial statements include the following: Line of credit / Debt facilities / Guarantee Interest expense, including unused fees, for affiliate lines/letters of credit for the years ended December 31, 2018 , 2017 , and 2016 was as follows: For the Year Ended December 31, 2018 2017 2016 Line of credit agreement with Santander - New York Branch (a) $ 11,620 $ 51,735 $ 69,877 Debt facilities with SHUSA (Note 6) 151,238 90,988 24,050 (a) Through its New York branch, Santander provided the Company with $1,750,000 of revolving credit facilities. During the year ended December 31, 2018 , these facilities were terminated. Accrued interest for affiliate lines/letters of credit at December 31, 2018 and 2017 , were comprised as follows: December 31, 2018 December 31, 2017 Line of credit agreement with Santander - New York Branch $ — $ 1,435 Debt facilities with SHUSA (Note 6) 19,928 18,670 In August 2015, under a new agreement with Santander, the Company agreed to begin incurring a fee of 12.5 basis points (per annum) on certain warehouse lines, as they renew, for which Santander provides a guarantee of the Company’s servicing obligations. The Company recognized guarantee fee expense of $5,024 and $5,979 for the years ended December 31, 2018 and 2017 , respectively. As of December 31, 2018 and 2017 , the Company had $1,922 and $7,598 of fees payable to Santander under this arrangement. Derivatives The Company has derivative financial instruments with Santander and affiliates with outstanding notional amounts of zero and $3,734,400 at December 31, 2018 and 2017 , respectively (Note 8). The Company had a collateral overage on derivative liabilities with Santander and affiliates of zero and $1,622 at December 31, 2018 and 2017 , respectively. Interest and mark-to-market adjustments on these agreements includes amounts totaling $930 , $1,333 , and $16,078 for the years ended December 31, 2018 , 2017 , and 2016 , respectively. Lease Origination and Servicing Agreement In 2014, the Company executed a bulk sale of Chrysler Capital automobile leases to SBNA. As part of the sale, the Company retained servicing rights on all of the leases sold to SBNA. In addition, during 2014 and until 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 received an origination fee on all leases originated under this agreement and continues to service these vehicles leases. Pursuant to the Chrysler Agreement, the Company pays FCA on behalf of SBNA for residual gains and losses on the flowed leases. Servicing fee income recognized on leases serviced for SBNA totaled $1,425 , $4,894 and $7,707 for the years ended December 31, 2018 , 2017 and 2016 , respectively. Other information on the consumer vehicle lease portfolio serviced for SBNA as of December 31, 2018 and 2017 is as follows: December 31, December 31, Total serviced portfolio $ 338 $ 321,629 Origination and servicing fees receivable — 2,067 Revenue share reimbursement receivable 75 1,548 In 2014, the Company entered into an indemnification agreement with SBNA whereby the Company 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, the Company 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 the Company, in the case of payments and sale proceeds. As of December 31, 2018 and 2017 , the balance in the collateral account was zero and $18 , respectively. For the years ended December 31, 2018 , 2017 , and 2016 , the Company recognized indemnification expense of zero , $272 , and zero , respectively. Also, in 2015, the Company agreed to indemnify SBNA for residual losses, up to a cap, on certain leases for which SBNA and the Company had differing residual value expectations at lease inception. At the time of the agreement, the Company established a collateral account held by SBNA to cover the expected losses, as of December 31, 2018 and 2017 , the balance in the collateral account was $40 and $2,210 , respectively. As of December 31, 2018 and 2017 , the Company had a recorded liability of $39 and $2,206 respectively, related to the residual losses covered under the agreement. Retail Installment Contracts and Marine and Recreational Vehicles The Company also has agreements with SBNA to service auto retail installment contracts and recreational and marine vehicle portfolios. In addition, during the year ended December 31, 2017, the Company sold certain receivables previously acquired with deteriorated credit quality to SBNA. The Company will continue to perform the servicing of these assets. Servicing fee income recognized under these agreements totaled $3,690 , $3,381 , and $5,154 for the years ended December 31, 2018 , 2017 , and 2016 , respectively. Other information on the serviced auto loan and retail installment contract portfolios for SBNA as of December 31, 2018 and 2017 is as follows: December 31, December 31, Total serviced portfolio $ 383,246 $ 522,219 Cash collections due to owner 14,920 12,306 Servicing fees receivable 601 943 Dealer Lending Under the Company’s agreement with SBNA, the Company is required to permit SBNA a first right to review and assess Chrysler Capital dealer lending opportunities, and SBNA is required to pay the Company origination fee and annual renewal fee for each loan originated under the agreement. The agreement also transferred the servicing of all Chrysler Capital receivables from dealers, including receivables held by SBNA and by the Company, from the Company 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, 2018 or 2017 for such advances. Other information related to the above transactions with SBNA as of December 31, 2018 , 2017 , and 2016 is as follows: For the Year Ended December 31, 2018 2017 2016 Origination and renewal fee income from SBNA(a) $ 4,226 $ 3,136 $ 4,343 Servicing fees expenses charged by SBNA (b) 78 $ 97 $ 110 (a) As of December 31, 2018 , and 2017 , the Company had origination and renewal fees receivable from SBNA of $385 , and $369 , respectively. (b) As of December 31, 2018 , and 2017 , the Company had servicing fees payable to SBNA of $19 , and $9 respectively . 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 $5,908 and $4,481 related to such originations as of December 31, 2018 and 2017 , respectively. The Company received a $9,000 referral fee in connection with sourcing and servicing arrangement and is amortizing the fee into income over the ten -year term of the agreement through July 1, 2022, the termination date of the agreement. As of December 31, 2018 and 2017 , the unamortized fee balance was $4,050 and $4,950 , respectively. The Company recognized $900 , $900 , and $900 of income related to the referral fee for the years ended December 31, 2018 , 2017 , and 2016 , respectively. Origination Support Services Beginning in 2018, the Company agreed to provide SBNA with origination support services in connection with the processing, underwriting and purchase of retail loans, primarily from Chrysler dealers. In addition, the Company has agreed to perform the servicing for any loans originated on SBNA’s behalf. For the year ended December 31, 2018 , the Company facilitated the purchase of $1.9 billion of retail installment contacts. The Company recognized referral fee and servicing fee income of $15,489 for the year ended December 31, 2018 of which $4,875 is receivable as of December 31, 2018 . Beginning in 2016, the Company agreed to pay SBNA a market rate-based fee expense for payments made at SBNA retail branch locations for accounts originated/serviced by the Company and the costs associated with modifying the Advanced Teller platform to the payments. The Company incurred expense of $258 , $225 and $473 for these services during the years ended December 31, 2018 , 2017 and 2016, respectively. Securitizations The Company entered into a Master Securities Purchase Agreement (MSPA) with Santander, whereby the Company had the option to sell a contractually determined amount of eligible prime loans to Santander, through the SPAIN securitization platform, for a term ending in December 2018. The Company provides servicing on all loans originated under this arrangement. For the year ended December 31, 2018 and December 31, 2017 , the Company sold $2,905,922 and $2,583,341 of prime loans at fair value under this MSPA arrangement, respectively. Other information relating to SPAIN securitization platform for the years ended December 31, 2018 and 2017 is as follows: December 31, December 31, Servicing fees income $ 35,058 $ 12,346 Loss (Gain) on sale, excluding lower of cost or market adjustments (if any) 20,736 13,026 Servicing fees receivable 2,983 1,848 Collections due to Santander 15,968 12,961 During the year ended December 31, 2018 , the Company re-acquired certain class of notes amounting to approximately $76 million from unrelated third parties that it previously sold to Santander as part of SPAIN securitization platform. These notes were later redeemed by Santander at par value. Santander Investment Securities Inc. (SIS), an affiliated entity serves as joint bookrunner and co-manager on certain of the Company’s securitizations. Amounts paid to SIS as co-manager for the years ended December 31, 2018 , 2017 , and 2016 totaled $2,647 , $1,359 , and $1,149 , respectively, and are included in debt issuance costs in the accompanying consolidated financial statements. Separation and Settlement Agreements In 2015, the Company announced the departure of Thomas G. Dundon from his roles as Chairman of the Board and CEO of the Company. In connection with his departure, Mr. Dundon entered into a separate agreement (the Separation Agreement) with the Company providing Mr. Dundon with certain payments and benefits. In 2017, Mr. Dundon entered into a Settlement Agreement with Santander, SHUSA, SC, SC Illinois, and DDFS LLC (the Settlement Agreement) pursuant to which Mr. Dundon received cash payments from the Company totaling $66,115 , of which $52,799 was paid in satisfaction of Mr. Dundon’s previous exercise of certain stock options that was the subject of the Separation Agreement. The $66,115 cash payment was recorded as compensation expense in the Company’s consolidated statement of income and comprehensive income. The Settlement Agreement also modified the terms of certain equity-based awards previously granted to Mr. Dundon. In addition, pursuant to the Settlement Agreement, the parties agreed to consummate the Call Transaction. The Call Transaction was consummated in 2017, pursuant to which Santander purchased the 34,598,506 shares of the Company’s Common Stock owned by DDFS LLC for an aggregate price of $941,945 , representing the aggregate of the previously agreed price per share of the Company’s Common Stock of $26.17 , as set forth in the Third Amendment, interest accrued after the Call End Date. The net proceeds to DDFS LLC from the Call Transaction were reduced by all amounts outstanding and/or accrued under the Loan Agreement, including principal, interest (including default interest), and fees, through the closing of the Call Transaction, which totaled $294,501 . CEO and Other Employee Compensation In August 2017, the Board announced the appointment of Scott Powell as President and CEO. During the years ended December 31, 2018 and 2017 , the Company accrued $4,033 and $795 as its share of compensation expense based on time allocation between his services to the Company and SHUSA. In addition, starting in 2018, certain employees of the Company and SHUSA, provide services to each other. For the year ended December 31, 2018 , the Company owed SHUSA approximately $ 2,595 and SHUSA owed the Company approximately $ 1,222 for such services. Other related-party transactions • As of December 31, 2018 , Jason A. Kulas and Mr. Dundon, both being former members of the Board and CEOs of the Company, each had a minority equity investment in a property in which the Company leases approximately 373,000 square feet as its corporate headquarters. During the years ended December 31, 2018 , 2017 , and 2016 , the Company recorded $4,775 , $4,970 and $4,945 , respectively, in lease expenses on this property. The Company subleases approximately 13,000 square feet of its corporate office space to SBNA. For the years ended December 31, 2018 , 2017 , and 2016 , the Company recorded $163 , $163 and $161 , respectively, in sublease revenue on this property. Future minimum lease payments over the remainder of the Nine -year term of the lease, which extends through 2026, total $55,553 . • The Company’s wholly-owned subsidiary, Santander Consumer International Puerto Rico, LLC (SCI), opened deposit accounts with Banco Santander Puerto Rico, an affiliated entity. As of December 31, 2018 and 2017 , SCI had cash (including restricted cash) of $8,862 and $106,596 , respectively, on deposit with Banco Santander Puerto Rico. • The Company has certain deposit and checking accounts with SBNA, an affiliated entity. As of December 31, 2018 and 2017 , the Company had a balance of $92,774 and $33,000 , respectively, in these accounts. • 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 zero , zero , and $93 for the years ended December 31, 2018 , 2017 , and 2016 , respectively. • The Company is party to a MSA with a company in which the Company has a cost method investment and holds a warrant to increase its ownership if certain vesting conditions are satisfied. The MSA enables the Company to review point-of-sale credit applications of retail store customers. During the year ended December 31, 2016 , 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. Effective August 17, 2016, the Company ceased funding new originations from all of the retailers for which it reviews credit applications under this MSA. • In 2017, the Company and SBNA entered into a credit card agreement whereby SBNA agreed to provide credit card services for travel and related business expenses and for vendor payments. This service is at zero cost to the Company but generate rebates based on purchases made. As at December 31, 2018 and 2017 , the activities associated with the program were insignificant. • Effective April 1, 2017, the Company contracted Aquanima, a Santander affiliate, to provide procurement services. Expenses incurred totaled totaled $1,515 and $637 for the year ended December 31, 2018 and 2017 , respectively. • During the year ended December 31, 2018 , the Company accrued $1,285 for its share of certain regulatory assessment expenses that are payable to Santander. • The Company partners with SHUSA to place cyber liability insurance in which participating national entities share $150 million aggregate limits. The Company repays SHUSA for the Company’s equitably allocated portion of insurance premiums and fees. Expenses incurred by the Company totaled $369 , $312 and $294 for the years ended December 31, 2018 , 2017 , and 2016, respectively. In addition the Company partners with SHUSA for various other insurance products. Expenses incurred totaled $708 , $607 and $741 for the years ended December 31, 2018 , 2017 , and 2016, respectively.

Supplemental Cash Flow Informat

Supplemental Cash Flow Information	12 Months Ended
	Dec. 31, 2018
Supplemental Cash Flow Elements [Abstract]
Supplemental Cash Flow Information	Supplemental Cash Flow Information Supplemental cash flow information for the years ended December 31, 2018 , 2017 , and 2016 was as follows: For the Year Ended December 31, 2018 2017 2016 Cash paid (received) during the year for: Interest $ 1,104,982 $ 942,551 $ 796,682 Income taxes 9,865 1,856 (180,323 ) Noncash investing and financing transactions: Transfer of revolving credit facilities to secured structured financings — 495,991 146,864

Computation of Basic and Dilute

Computation of Basic and Diluted Earnings per Common Share	12 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings per Common Share	Computation of Basic and Diluted Earnings per Common Share Earnings per common share (EPS) is computed using the two-class method required for participating securities. Restricted stock awards are considered to be participating securities because holders of such shares have non-forfeitable dividend rights in the event of a declaration of a dividend on the Company’s common shares. The calculation of diluted earnings per share excludes 168,728 , 367,880 , and 1,387,656 employee stock options and zero , 626,551 , and 1,106,187 RSUs for the years ended December 31, 2018 , 2017 , and 2016 , respectively, as the effect of exercise or settlement of those securities would be anti-dilutive. The following table represents EPS numbers for the years ended December 31, 2018 , 2017 and 2016 : For the Year Ended December 31, 2018 2017 2016 Earnings per common share Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 915,926 $ 1,172,807 $ 766,466 Weighted average number of common shares outstanding before restricted participating shares (in thousands) 359,862 359,614 358,032 Weighted average number of participating restricted common shares outstanding (in thousands) — — 249 Weighted average number of common shares outstanding (in thousands) 359,862 359,614 358,281 Earnings per common share $ 2.55 $ 3.26 $ 2.14 Earnings per common share - assuming dilution Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 915,926 $ 1,172,807 $ 766,466 Weighted average number of common shares outstanding (in thousands) 359,862 359,614 358,281 Effect of employee stock-based awards (in thousands) 810 678 797 Weighted average number of common shares outstanding - assuming dilution (in thousands) 360,672 360,292 359,078 Earnings per common share - assuming dilution $ 2.54 $ 3.26 $ 2.13

Fair Value of Financial Instrum

Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments	Fair Value of Financial Instruments Fair value measurement requires that valuation techniques maximize the use of observable inputs and minimize the use of unobservable inputs and also establishes a fair value hierarchy that categorizes into three levels the inputs to valuation techniques used to measure fair value as follows: Level 1 inputs are quoted prices in active markets for identical assets or liabilities that can be accessed as of the measurement date. Active markets are those in which transactions for the asset or liability occur in sufficient frequency and volume to provide pricing information on an ongoing basis. Level 2 inputs are those other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets and quoted prices for identical or similar assets or liabilities in markets that are not active. Level 3 inputs are those that are unobservable for the asset or liability and are used to measure fair value to the extent relevant observable inputs are not available. Financial Instruments Disclosed, But Not Carried, At Fair Value The following tables present the carrying value and estimated fair value of the Company’s financial assets and liabilities disclosed, but not carried, at fair value at December 31, 2018 and December 31, 2017 , and the level within the fair value hierarchy: December 31, 2018 Carrying Estimated Level 1 Level 2 Level 3 Assets: Cash and cash equivalents (a) $ 148,436 $ 148,436 $ 148,436 $ — $ — Finance receivables held for investment, net (b) 24,914,833 26,037,559 — — 26,037,559 Restricted cash (a) 2,102,048 2,102,048 2,102,048 — — Total $ 27,165,317 $ 28,288,043 $ 2,250,484 $ — $ 26,037,559 Liabilities: Notes payable — credit facilities (c) $ 4,478,214 $ 4,478,214 $ — $ — $ 4,478,214 Notes payable — secured structured financings (d) 26,901,530 26,994,912 — 17,924,867 9,070,045 Notes payable — related party (e) 3,503,293 3,438,543 — — 3,438,543 Total $ 34,883,037 $ 34,911,669 $ — $ 17,924,867 $ 16,986,802 December 31, 2017 Carrying Estimated Level 1 Level 2 Level 3 Assets: Cash and cash equivalents (a) $ 527,805 $ 527,805 $ 527,805 $ — $ — Finance receivables held for investment, net (b) 22,250,586 24,340,739 — — 24,340,739 Restricted cash (a) 2,553,902 2,553,902 2,553,902 — — Total $ 25,332,293 $ 27,422,446 $ 3,081,707 $ — $ 24,340,739 Liabilities: Notes payable — credit facilities (c) $ 4,848,316 $ 4,848,316 $ — $ — $ 4,848,316 Notes payable — secured structured financings (d) 22,557,895 22,688,381 — 12,275,408 10,412,973 Notes payable — related party (e) 3,754,223 3,754,223 — — 3,754,223 Total $ 31,160,434 $ 31,290,920 $ — $ 12,275,408 $ 19,015,512 (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 investment, net — Finance receivables held for investment, net are carried at amortized cost, net of an allowance. These receivables exclude retail installment contracts that are measured at fair value on a recurring and nonrecurring basis. 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. • Capital lease receivables — Capital lease receivables are carried at gross investments, net of unearned income and allowance for lease losses. Management believes that the terms of these credit agreements approximate market terms for similar credit agreements. • Receivables from dealers held for investment and personal loans held for investment — Receivables from dealers and personal loans held for investment are carried at amortized cost, net of credit loss allowance. Management believes that the terms of these credit agreements approximate market terms for similar credit agreements. (c) 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. (d) Notes payable — secured structured financings — The estimated fair value of notes payable related to secured structured financings is calculated based on market observable prices and spreads and market observed prices of similar notes issued by the Company, or recent market transactions involving similar debt with similar credit risks, which are considered level 2 inputs. The estimated fair value of notes payable with no observable market prices is calculated based on a combination of credit enhancement review, discounted cash flow analysis and market observable spreads for similar liabilities. In conducting this analysis, the Company uses significant unobservable inputs on key assumptions, including historical default rates, prepayment rates, discount rates reflective of the cost of funding, and credit loss expectations, which are considered level 3 inputs. (e) Notes payable — related party — The carrying amount of floating rate 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 fair value premium/discount of the fixed rate promissory notes are derived from changes in the Company’s unsecured cost of funds since the time of issuance and weighted average life of these notes. Financial Instruments 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, 2018 and 2017 , and are categorized using the fair value hierarchy: Fair Value Measurements at December 31, 2018 Total Quoted Prices Significant Significant Other assets — trading interest rate caps (a) $ 128,377 $ — $ 128,377 $ — Other assets — cash flow hedging interest rate swaps (a) 43,967 — 43,967 — Other assets — trading interest rate swaps (a) 11,553 — 11,553 — Other liabilities — trading options for interest rate caps (a) 128,377 — 128,377 — Other liabilities — cash flow hedging interest rate swaps (a) 7,478 — 7,478 — Other liabilities — trading interest rate swaps (a) 2,130 — 2,130 — Retail installment contracts acquired individually (b) 13,509 — — 13,509 Fair Value Measurements at December 31, 2017 Total Quoted Prices Significant Significant Other assets — trading interest rate caps (a) $ 129,718 $ — $ 129,718 $ — Due from affiliates — trading interest rate caps (a) 6,112 — 6,112 — Other assets — cash flow hedging interest rate swaps (a) 39,036 — 39,036 — Due from affiliates — cash flow hedging interest rate swaps (a) 6,950 — 6,950 — Other assets — trading interest rate swaps (a) 7,925 — 7,925 — Due from affiliates — trading interest rate swaps (a) 1,671 — 1,671 — Other assets —trading options for interest rate caps (a) 20,075 — 20,075 — Due from affiliates— trading options for interest rate caps (a) 12,090 — 12,090 — Other liabilities — trading options for interest rate caps (a) 129,712 — 129,712 — Due to affiliates — trading options for interest rate caps (a) 6,112 — 6,112 — Other liabilities — trading interest rate caps (a) 20,019 — 20,019 — Due to affiliates — trading interest rate caps (a) 12,090 — 12,090 — Retail installment contracts acquired individually (b) 22,124 — — 22,124 (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 reduces credit risk on derivatives by generally clearing interest rate swap transactions through either the Chicago Mercantile Exchange or London Clearinghouse. In adjusting the fair value of its derivative contracts for the effect of nonperformance risk, the Company has considered the impact of netting and any applicable credit enhancements, such as collateral postings and guarantees. The Company utilizes the exception in ASC 820-10-35-18D (commonly referred to as the “portfolio exception”) with respect to measuring counterparty credit risk for instruments (Note 8). (b) For certain retail installment contracts reported in finance receivables held for investment, net, the Company has elected the fair value option. The fair values of the retail installment contracts are estimated using a DCF model. When estimating the fair value using this model, the Company uses significant unobservable inputs on key assumptions, which includes historical default rates and adjustments to reflect prepayment rates based on available data from a comparable market securitization of similar assets, discount rates reflective of the cost of funding of debt issuance and recent historical equity yields, and recovery rates based on the average severity utilizing reported severity rates and loss severity utilizing available market data from a comparable securitized pool. Accordingly, retail installment contracts held for investment are classified as Level 3. Changes in the fair value are recorded in investment gains (losses), net in the consolidated statement of income. The following table presents the changes in retail installment contracts held for investment balances classified as Level 3 for the years ended December 31, 2018 , 2017 and 2016 : Year Ended December 31, 2018 December 31, 2017 December 31, 2016 Fair value, beginning of year $ 22,124 $ 24,495 $ 6,770 Additions / issuances 6,631 21,672 36,623 Net collection activities (16,755 ) (28,598 ) (18,850 ) Loans sold — — (48 ) Gains recognized in earnings 1,509 4,555 — Fair value, end of year $ 13,509 $ 22,124 $ 24,495 All total return settlement payments were made as of December 31, 2017, and the derivative instrument has been settled. The following table presents the changes in the total return settlement balance, which is classified as Level 3, for the years ended December 31, 2017 and 2016 : Year Ended December 31, 2017 December 31, 2016 Fair value, beginning of year $ 30,618 $ 53,432 (Gains)/losses recognized in earnings 505 4,365 Settlements (31,123 ) (27,179 ) Fair value, end of year $ — $ 30,618 The Company did not have any transfers between Levels 1 and 2 during the years ended December 31, 2018 , 2017 , and 2016 . There were no amounts transferred into or out of Level 3 during the years ended December 31, 2018 , 2017 , and 2016 . Financial Instruments Measured At Fair Value On A Nonrecurring Basis The following table presents the Company’s assets and liabilities that are measured at fair value on a nonrecurring basis at December 31, 2018 and 2017 , and are categorized using the fair value hierarchy: Fair Value Measurements at December 31, 2018 Total Quoted Prices Significant Significant Lower of cost or fair value expense for the year ended December 31, 2018 Other assets — vehicles (a) $ 342,097 $ — $ 342,097 $ — $ — Personal loans held for sale (b) 1,068,757 — — 1,068,757 367,219 Retail installment contracts held for sale (c) — — — — 15,098 Auto loans impaired due to bankruptcy (d) 189,114 — 189,114 — 93,277 Fair Value Measurements at December 31, 2017 Total Quoted Prices Significant Significant Lower of cost or fair value expense for the year ended December 31, 2017 Other assets — vehicles (a) $ 293,546 $ — $ 293,546 $ — $ — Personal loans held for sale (b) 1,062,089 — — 1,062,089 374,374 Retail installment contracts held for sale (c) 1,148,332 — — 1,148,332 11,686 Auto loans impaired die to bankruptcy (d) 121,578 — 121,578 — 75,194 ( a) 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. (b) The estimated fair value for personal loans held for sale is calculated based on the lower of market participant view and a DCF analysis in which the Company uses significant unobservable inputs on key assumptions, including historical default rates and adjustments to reflect prepayment rates (principal and interest), discount rates reflective of the cost of funding, and credit loss expectations. The lower of cost or fair value adjustment for personal loans held for sale includes customer default activity and adjustments related to the net change in the portfolio balance during the reporting period. (c) This pricing methodology includes consideration of significant unobservable inputs including investor return expectations (i.e., yield), expected lifetime cumulative net loss and weighted average life of the retail installment contracts. At December 31, 2017 , the estimated fair value was calculated based on a DCF analysis in which the Company used significant unobservable inputs on key assumptions, including expected default rates, prepayment rates, recovery rates, and discount rates reflective of the cost of funds and appropriate rate of returns. The change in methodology did not have a material impact on the fair value mark of the retail installments contacts held for sale. (d) For loans that are considered collateral-dependent, such as certain bankruptcy loans, impairment is measured based on the fair value of the collateral, less its estimated cost to sell. For the underlying collateral, the estimated fair value is obtained using historical auction rates and current market levels of used car prices. Quantitative Information about Level 3 Fair Value Measurements The following table presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis at December 31, 2018 : Financial Instruments Fair Value at December 31, 2018 Valuation Technique Unobservable Inputs Range Financial Assets: Retail installment contracts held for investment 13,509 Discounted Cash Flow Discount Rate 8% - 10% Default Rate 15% - 20% Prepayment Rate 6% - 8% Loss Severity Rate 50% - 60% Personal loans held for sale 1,068,757 Lower of Market or Income Approach Market Approach Market Participant View 70% - 80% Income Approach Discount Rate 15% - 25% Default Rate 30% - 40% Net Principal & Interest Payment Rate 70% - 85% Loss Severity Rate 90% - 95% The following table presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis at December 31, 2017 : Financial Instruments Fair Value at December 31, 2017 Valuation Technique Unobservable Inputs Range Financial Assets: Retail installment contracts held for investment $22,124 Discounted Cash Flow Discount Rate 8% - 10% Default Rate 15% - 20% Prepayment Rate 6% - 8% Loss Severity Rate 50% - 60% Personal loans held for sale $1,062,089 Lower of Market or Income Approach Market Approach Market Participant View 70% - 80% Income Approach Discount Rate 15% - 20% Default Rate 30% - 40% Net Principal & Interest Payment Rate 70% - 85% Loss Severity Rate 90% - 95% Retail installment contracts held for sale $1,148,332 Discounted Cash Flow Discount Rate 3% - 6% Default Rate 3% - 4% Prepayment Rate 15% - 20% Loss Severity Rate 50% - 60%

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Employee Benefit Plans	Employee Benefit Plans SC Compensation Plans — The Company granted stock options to certain executives, other employees, and independent directors under the Company’s 2011 Management Equity Plan (the MEP), which enabled the Company to make stock awards up to a total of approximately 29 million common shares (net of shares canceled and forfeited). The MEP expired in January 2015 and the Company will not grant any further awards under the MEP. The Company has granted stock options, restricted stock awards and restricted stock units (RSUs) under the Omnibus Incentive Plan (the Plan), which was established in 2013 and enables the Company to grant awards of non-qualified and incentive stock options, stock appreciation rights, restricted stock awards, 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 5,192,641 common shares. The Plan was amended and restated as of June 16, 2016. Stock options granted under the MEP and the Plan 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 ten years after grant date 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. In 2013, the Board approved certain changes to the MEP 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. Compensation expense related to 583,890 shares of restricted stock that the Company has issued to certain executives is recognized over a five -year vesting period, with zero , $5,457 , and $725 recorded for the years ended December 31, 2018 , 2017 , and 2016 , respectively. The Company recognized $7,656 , $13,037 and $8,812 related to stock options and restricted stock units within the compensation expense for the years ended December 31, 2018 , 2017 , and 2016 , respectively. In addition, the Company recognizes forfeitures of awards as they occur. Also, in connection with the IPO, the Company granted additional stock options under the MEP 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 to employees under the Plan during the year ended December 31, 2016. The estimated compensation cost associated with these additional grants was $727 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, 2018 is as follows: Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term (Years) Aggregate Intrinsic Value Options outstanding at January 1, 2018 1,695,008 $ 12.39 4.7 $ 12,058 Exercised (863,811 ) 9.50 7,918 Expired (92,885 ) 23.27 Forfeited (92,936 ) 23.06 Options outstanding at December 31, 2018 645,376 $ 13.15 4.0 $ 3,682 Options exercisable at December 31, 2018 557,555 $ 12.07 3.7 $ 3,572 Options expected to vest at December 31, 2018 87,821 $ 20.03 5.6 110 A summary of the status and changes of the Company’s nonvested stock options as of and for the year ended December 31, 2018 , is presented below: Shares Weighted Average Grant Date Fair Value Non-vested at January 1, 2018 239,838 $ 7.29 Granted — — Vested (59,081 ) 7.33 Forfeited (92,936 ) 7.96 Non-vested at December 31, 2018 87,821 $ 6.55 At December 31, 2018 , total unrecognized compensation expense for nonvested stock options was $ 263 , which is expected to be recognized over a weighted average period of 1.4 years. There were no stock options granted to employees in 2018 or 2017. The following summarizes the assumptions used for estimating the fair value of stock options granted to employees for the year ended December 31, 2016 . Assumption Risk-free interest rate 1.79% Expected life (in years) 6.5 Expected volatility 33% Dividend yield 3.69% Weighted average grant date fair value 3.14 On November 15, 2017, Mr. Dundon (former Chairman of the Board and CEO of the Company), the Company, SC Illinois, SHUSA, Santander and DDFS LLC (an affiliate of Mr. Dundon), entered into the Settlement Agreement that, among other things, amended the terms of a prior settlement agreement entered into between the parties in connection with Mr. Dundon’s departure from the Company. Pursuant to the Settlement Agreement, among other things, Mr. Dundon received payments from the Company totaling $66,115 , of which $52,799 was paid in satisfaction of Mr. Dundon’s previous exercise of certain stock options that was the subject of the Separation Agreement entered into by Mr. Dundon in connection with his departure from the Company. The Settlement Agreement also modified the terms of certain equity-based awards previously granted to Mr. Dundon. In connection with compensation restrictions imposed on certain executive officers and other employees by the European Central Bank under the Capital Requirements Directive IV (CRD IV) prudential rules, which require a portion of such officers’ and employees’ variable compensation to be paid in the form of equity and deferred, the Company periodically grants RSUs. Under the Plan, a portion of these RSUs vested immediately upon grant, and a portion will vest annually over the following three or five years subject to the achievement of certain performance conditions as and where applicable. After the shares subject to the RSUs vest and are settled, they are subject to transfer and sale restrictions for one year . RSUs are valued based upon the fair market value on the date of the grant. A summary of the Company’s Restricted Stock Units and performance stock units and related activity as of and for the year ended December 31, 2018 is as follows: Shares Weighted Weighted Aggregate Outstanding as of January 1, 2018 650,252 12.68 1.0 12,108 Granted 617,279 16.11 — — Vested (522,810 ) 14.18 — 8,616 Forfeited/canceled (45,922 ) 11.64 — — Unvested as of December 31, 2018 698,799 14.53 1.1 12,292 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 eligible compensation, subject to federal limitations on absolute amounts contributed. The Company will match up to 6% of their eligible compensation, with matching contributions of up to 100% of employee contributions. The total amount contributed by the Company in 2018 , 2017 , and 2016 , was $13,952 , $12,370 , and $11,805 , respectively.

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2018
Equity [Abstract]
Shareholders' Equity	Shareholders’ Equity Share Repurchases and Treasury Stock In July 2018, the Board approved purchases by the Company up to $200 million , excluding commissions, of its outstanding common stock through June 2019. The following table presents the number of shares purchased during the year ended December 31, 2018 , the average price paid per share and the dollar value of shares that may yet be purchased pursuant to the Company’s repurchase authorization. Period Total Number of Shares Purchased Average Price paid per Share Dollar Value of Shares That May Yet Be Purchased Under the Plans or Programs July 1 - July 31 — $ — $ 200,000 August 1 - August 31 1,359,893 20.63 171,945 September 1 - September 30 1,027,798 21.35 150,000 October 1 - October 31 — — 150,000 November 1 - November 30 3,571,100 19.07 81,890 December 1 - December 31 3,515,164 18.24 17,761 Total 9,473,955 $ 19.24 During the year ended December 31, 2018 , the Company purchased 9,473,955 shares of its common stock under its share repurchase program at a cost of approximately $182 million , excluding commissions. As of December 31, 2018 , the Company was authorized to purchase additional shares of common stock having a cost of approximately $18 million , all of which was purchased in January 2019, at a weighted average price of $ 18.40 per share. The Company had 9,725,957 and 252,002 shares of treasury stock outstanding with a cost of $187,930 and $5,370 as of December 31, 2018 and 2017 , respectively. Prior to the IPO, the Company repurchased 3,154 shares as a result of an employee leaving the company. Additionally, as of December 31, 2018 and 2017 , 248,848 shares were withheld to cover income taxes related to stock issued in connection with employee incentive compensation plans, including zero and 157,407 shares withheld during the years ended December 31, 2018 and 2017 , respectively. The value of the treasury stock is 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, 2018 , 2017 , and 2016 is as follows: Unrealized gains (losses) on cash flow hedges Balance - January 1, 2016 $ 2,125 Other comprehensive income (loss) before reclassifications (gross) (1,324 ) Amounts (gross) reclassified out of accumulated other comprehensive income 27,458 Balance - December 31, 2016 28,259 Other comprehensive income (loss) before reclassifications (gross) 21,962 Amounts (gross) reclassified out of accumulated other comprehensive income (5,959 ) Balance - December 31, 2017 44,262 Other comprehensive income (loss) before reclassifications (gross) (a) 17,802 Amounts (gross) reclassified out of accumulated other comprehensive income (28,549 ) Balance - December 31, 2018 $ 33,515 (a) Includes impact of accumulated other comprehensive income reclassified to Retained earnings, primarily comprised of $6,149 as a result of the adoption of ASU 2018-02. Refer to Note 1 - “Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices” for further discussion. Amounts (gross) reclassified out of accumulated other comprehensive income (loss) consist of the following: Year Ended December 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges $ (37,710 ) Interest Expense $ (6,060 ) Interest Expense $ 43,898 Interest Expense Tax expense (benefit) 9,161 101 (16,440 ) Net of tax $ (28,549 ) $ (5,959 ) $ 27,458 Dividends The Company paid quarterly dividends of $0.05 per share in the first and second quarters of 2018 and $0.20 per share in the third and fourth quarter of 2018. The Company paid dividends of $0.03 per share in 2017. During January 2019, the Company declared a cash dividend of $0.20 per share, which was paid on February 21, 2019, to shareholders of record as of the close of business on February 11, 2019.

Investment Gains (Losses), Net

Investment Gains (Losses), Net	12 Months Ended
	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Investment Gains (Losses), Net	Investment Gains (Losses), Net When the Company sells retail installment contracts acquired individually, personal loans or leases 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, 2018 , 2017 , and 2016 : For the Year Ended December 31, 2018 2017 2016 Gain (loss) on sale of loans and leases $ (22,250 ) $ 17,554 $ (11,549 ) Lower of cost or market adjustments (382,317 ) (386,060 ) (423,616 ) Other gains / (losses and impairments) 2,929 2,067 (9,594 ) $ (401,638 ) $ (366,439 ) $ (444,759 ) The lower of cost or market adjustments for the year ended December 31, 2018 , 2017 , and 2016 included $404,651 , $451,672 and $429,106 in customer default activity respectively, and net favorable adjustments of $22,334 , $65,612 and $14,403 respectively, primarily related to net changes in the unpaid principal balance on the personal lending portfolio, most of which has been classified as held for sale.

Quarterly Financial Data (unaud

Quarterly Financial Data (unaudited)	12 Months Ended
	Dec. 31, 2018
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Data (unaudited)	Quarterly Financial Data (unaudited) The following is a summary of quarterly financial results: First Quarter Second Quarter Third Quarter Fourth Quarter Year Ended December 31, 2018 Total finance and other interest income $ 1,679,955 $ 1,757,397 $ 1,818,748 $ 1,877,418 Net finance and other interest income 1,080,244 1,123,109 1,144,089 1,138,560 Provision for credit losses 510,341 406,544 597,914 690,786 Income (loss) before income taxes 302,667 449,146 296,822 143,633 Net income (loss) 244,614 335,026 231,948 104,338 Net income (loss) per common share (basic) $ 0.68 $ 0.93 $ 0.64 $ 0.29 Net income (loss) per common share (diluted) $ 0.68 $ 0.93 $ 0.64 $ 0.29 Allowance for credit losses $ 3,320,821 $ 3,320,792 $ 3,305,186 $ 3,240,376 Finance receivables held for investment, net 22,551,646 24,057,164 24,839,583 25,117,454 Total assets 40,028,740 41,157,189 42,806,955 43,959,855 Total equity 6,713,532 7,033,636 7,141,215 7,018,358 Year Ended December 31, 2017 Total finance and other interest income $ 1,660,207 $ 1,658,554 $ 1,682,615 $ 1,652,589 Net finance and other interest income 1,142,947 1,126,959 1,092,360 1,045,452 Provision for credit losses 671,226 523,280 571,011 598,294 Income before income taxes 214,178 337,216 276,448 (23,833 ) Net income 138,891 257,898 198,569 577,449 Net income per common share (basic) $ 0.39 $ 0.72 $ 0.55 $ 1.60 Net income per common share (diluted) $ 0.39 $ 0.72 $ 0.55 $ 1.60 Allowance for credit losses $ 3,461,108 $ 3,487,247 $ 3,431,663 $ 3,352,818 Finance receivables held for investment, net 23,435,252 23,613,749 22,637,992 22,394,286 Total assets 39,054,690 39,489,340 38,746,090 39,402,799 Total equity 5,414,462 5,667,419 5,873,102 6,465,702

Description of Business, Basi_2

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices (Policies)	12 Months Ended
	Dec. 31, 2018
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	The preparation of financial statements in conformity with 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, fair value, 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 marine and recreational 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 for the foreseeable future or 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	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. Accordingly, changes in the fair value of these finance receivables, which are based upon fair value estimates (Note 15), are reported in investment gains (losses), net, in the consolidated statements of income and comprehensive income. 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. For loans on nonaccrual status, interest income is recognized on a cash basis and the accrual of interest is resumed and reinstated if a delinquent account subsequently becomes 60 days or less past due. The payment following the partial payment must be a full payment, or the account will move into delinquency status at that time. The Company considers an account delinquent when an obligor fails to pay substantially all (defined as 90% ) of the scheduled payment by the due date. Payments generally are applied to interest first, then principal, then fees, regardless of a contract’s accrual status. 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 specific to pools of homogenous loans which are based on the vintage, credit quality at origination and term of the loan. Prepayments in our portfolio are sensitive to credit quality, with higher credit quality loans generally experiencing higher voluntary prepayment rates than lower credit quality loans. The impact of defaults is not considered in the prepayment rate; the prepayment rate only considers voluntary prepayments. The resulting prepayment rate specific to each pool is based on historical experience, and is used as an input in the calculation of the constant effective yield. 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 held for investment, 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.
Purchased Receivables Portfolios	Purchased Receivables Portfolios Receivables portfolios purchased from other lenders or pursuant to a repurchased obligation 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. Receivable portfolios purchased from other lenders are considered non-credit impaired loans if they either do not have evidence of credit quality deterioration or it was not probable that the Company would not collect all contractually required payments, which will be evaluated using a number of factors including the loan’s delinquency status, borrower’s credit status, and roll rates. Accordingly, these loans will be accounted for in accordance with ASC 310 - 20. Under ASC 310-20, the difference between the loan’s principal balance, at the time of purchase, and the fair value is recognized as an adjustment of yield over the life of the loan. All other policies related to interest income, calculation of allowance for loan losses, and recognizing TDRs would be similar to retail installment contracts acquired individually and are originated by the Company.
Finance Receivables Held for Sale, Net	Finance Receivables Held for Sale, Net 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 and personal loans held for sale, market declines in the recorded investment, whether due to credit or market risk, are recorded through investment gains (losses), net of 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 support the credit loss allowance in accordance with the Company’s estimate. The Company estimates an allowance on individually acquired retail installment contracts and personal loans held for investment not classified as TDRs at a level considered adequate to cover expected net credit losses inherent in the recorded investment of that portfolio. 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, 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. For loans classified as TDRs, impairment is generally measured based on the present value of expected future cash flows discounted at the original effective interest rate. For loans that are considered collateral-dependent, such as certain bankruptcy modifications, impairment is measured based on the fair value of the collateral, less its estimated cost to sell. Provisions for credit losses are also 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 sales proceeds and the Company’s recorded investment in the related contract. Costs to sell the vehicle are presented in repossession expense. 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 the time that the credit is considered uncollectable and of such little value that it does not warrant consideration as an active asset.
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, operating and capital leases, and loans held for sale 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 generally 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. TDRs are evaluated for impairment individually or in aggregate for those loans with similar risk characteristics.
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 systemic and material decline in used vehicle values, indicates that an impairment may exist. These circumstances could include, for example, shocks to oil and gas prices (which may have a pronounced impact on certain models of vehicles) or pervasive manufacturer defects (which may systemically affect the value of a particular vehicle brand or model). Impairment is determined to exist if fair value of the leased asset is less than carrying value and it is determined that the net carrying value is not recoverable. The net carrying value of a leased asset is not recoverable if it exceeds the sum of the undiscounted expected future cash flows expected to result from the lease payments and the estimated residual value upon eventual disposition. If our operating lease assets are considered to be impaired, the impairment is measured as the amount by which the carrying amount of the assets exceeds the fair value as estimated by discounted cash flows. No impairment was recognized in 2018, 2017, or 2016. 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.
Fees, commissions, and other	Fees, commissions, and other Fees, commissions, and other primarily include late fees, miscellaneous, and other income, and are generally recorded when there is no doubt as to the collectability of the related receivable.
Repossessed Vehicles and Repossession Expense	Repossessed Vehicles and Repossession Expense Repossessed vehicles represent vehicles the Company has repossessed due to the borrowers’ default on the payment terms of the retail installment contracts, loans or leases. The Company generally begins repossession activity once a customer has reached 60 days past due. The customer has an opportunity to redeem the repossessed vehicle by paying all outstanding balances, including finance charges and fees. Any vehicles not redeemed are sold at auction. The Company records the vehicles currently in its inventory at the lower of cost or estimated fair value, net of estimated costs to sell (See Notes 9 and 15). Repossession expense includes the costs to repossess and sell vehicles obtained due to borrower default. These costs include transportation, storage, rekeying, condition reports, legal fees, the fees paid to repossession agents and auction fees.
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 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. For all VIEs in which the Company is involved, the Company assesses whether it is the primary beneficiary of the VIE on an ongoing basis. In circumstances where the Company have both the power to direct the activities that most significantly impact the VIEs performance and the obligation to absorb losses or the right to receive benefits of the VIE that could be significant, the Company would conclude that it is the primary beneficiary of the VIE, and 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. In situations where the Company is not deemed to be the primary beneficiary of the VIE, the Company does not consolidate the VIE and only recognizes its interests in the VIE. These securitizations involving Trusts 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. As a result of those guarantees, the Company was permitted to commingle funds received on contracts that have been included in certain warehouse facilities, and retain and remit cash to the respective collection accounts once a month prior to the distribution dates.
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, 2018 , 2017 , and 2016 totaled $18,785 , $17,682 , and $16,357 , 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. Intangibles are amortized over their estimated useful lives. The Company tests goodwill for impairment annually in accordance with the provisions of ASC 350, Intangibles-Goodwill and Other .
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 the hypothetical derivative method to assess hedge effectiveness of cash flow hedges on a prospective and retrospective basis. At December 31, 2018 , all of the Company’s interest rate swap agreements designated as cash flow hedges are deemed to be effective hedges for accounting purposes. 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. 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 expenses on the consolidated statements of income and comprehensive income.
Stock-Based Compensation	Stock-Based Compensation The Company measures the compensation cost of stock-based awards using the estimated fair value of those awards on the grant date, and recognizes the cost as expense over the vesting period of the awards (see Note 16).
Earnings per Share	Earnings per Share Basic earnings per share is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised. It is computed after giving consideration to the weighted average dilutive effect of the Company’s stock options and restricted stock grants. Because the Company has issued participating securities in the form of unvested restricted stock that has dividend rights, the Company applies the two-class method when computing earnings per share.
Recently Adopted Accounting Standards and Recent Accounting Pronouncements	Recently Adopted Accounting Standards Since January 1, 2018, the Company adopted the following Financial Accounting Standards Board (FASB) Accounting Standards Updates (ASUs): • ASU 2014-09, Revenue from Contracts with Customers (Topic 606) as amended . This ASU requires an entity to recognize revenue for the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. It includes a five-step process to assist an entity in achieving the main principles of revenue recognition under ASC 606. Because the ASU does not apply to revenue associated with leases and financial instruments (including loans, securities, and derivatives), it did not have a material impact on the elements of the Company’s Consolidated Statements of Operations most closely associated with leases and financial instruments (such as interest income, interest expense and investment gains and losses). All other revenue streams in the scope of the new standard were not material. The Company adopted this standard as of January 1, 2018 using a modified retrospective approach. The adoption of this standard did not require any adjustments to the opening balance of retained earnings as of January 1, 2018. • ASU 2016-18, Statement of Cash Flows (Topic 230): Restricted Cash. This ASU requires that the statement of cash flows include restricted cash in the beginning and end-of-period total amounts shown on the statement of cash flows and that the statement of cash flows explain changes in restricted cash during the period. The Company adopted this standard as of January 1, 2018 using retrospective approach. The impact of this adoption was disclosure only for periods presented on the Company’s Statements of Cash Flows. • ASU 2017-12, Derivatives and Hedging: Targeted Improvements to Accounting for Hedging Activities. The ASU amends the hedge accounting model to enable entities to more accurately reflect their risk management activities in the financial statements. The amendments expand an entity’s ability to hedge nonfinancial and financial risk components and reduce complexity in hedges of interest rate risk. The guidance eliminates the requirement to separately measure and report hedge ineffectiveness and generally requires the entire change in the fair value of a hedging instrument to be presented in the same income statement line in which the earnings effect of the hedged item is reported. The Company elected to early adopt this standard as of January 1, 2018 using modified retrospective approach. The adoption of this standard did not require any adjustments to the opening balance of retained earnings for cumulative-effect adjustment related to eliminating the separate measurement of ineffectiveness. • ASU 2018-02, Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income. The amendments in this ASU allow a reclassification from accumulated other comprehensive income to retained earnings for stranded tax effects resulting from the Tax Cuts and Jobs Act. The Company elected to early adopt this standard as of January 1, 2018 and reclassified $6,149 stranded income tax effects from accumulated other comprehensive income to retained earnings. The adoption of the following ASUs did not have material impact on the Company’s financial position, results of operations or cash flows. • ASU 2016-01, Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities, as amended. • ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments. • ASU 2016-16, Income Taxes (Topic 740): Intra-Entity Transfers of Assets Other Than Inventory • ASU 2017-01, Business Combinations (Topic 805): Clarifying the Definition of a Business • ASU 2017-05, Other Income - Gains and Losses from the Derecognition of Nonfinancial Assets (Subtopic 610-20): Clarifying the Scope of Asset Derecognition Guidance and Accounting for Partial Sales of Nonfinancial Assets. • ASU 2017-07, Compensation - Retirement Benefits (Topic 715): Improving the Presentation of Net Periodic Pension Cost and Net Periodic Postretirement Benefit Cost • ASU 2017-09, Compensation-Stock Compensation (Topic 718): Scope of Modification Accounting • ASU 2018-05, Income Taxes (Topic 740): Amendments to SEC Paragraphs Pursuant to SEC Staff Accounting Bulletin No. 118 • ASU 2018-06, Codification Improvements to Topic 942, Financial Services—Depository and Lending Recent Accounting Pronouncements In February 2016, the FASB issued ASU 2016-02, Leases. The primary effect of the ASU is to replace the existing accounting requirements for operating leases for lessees. Lessee accounting requirements for finance leases and lessor accounting requirements for operating leases and sales type and direct financing leases (sales-type and direct financing leases were both previously referred to as capital leases) are largely unchanged. The ASU is effective on January 1, 2019, with early adoption permitted. We adopted the standard as of January 1, 2019 and elected the package of practical expedients permitted under the transition guidance within the new standard, which among other things, allowed us to carryforward the historical lease classification. The adoption of the standard resulted in recognition of additional assets and liabilities of approximately $90 million for our operating leases where the Company is the lessee (primarily our facilities leases), as of January 1, 2019. Additionally, the Company will no longer capitalize certain initial direct costs in connection with lease originations where it is the lessor. We do not believe the standard will materially affect our consolidated statement of income and comprehensive income or consolidated statement of cash flows. In June 2016, the FASB issued ASU 2016-13, Financial Instruments-Credit Losses , which changes the criteria under which credit losses are measured. The amendment introduces a new credit reserving model known as the Current Expected Credit Loss (CECL) model, which replaces the incurred loss impairment methodology in current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to establish credit loss estimates. The guidance will be effective for the fiscal year beginning after December 15, 2019, including interim periods within that year. The Company does not intend to adopt the new standard early and is currently evaluating the impact the new guidance will have on its financial position, results of operations and cash flows; however, it is expected that the new CECL model will alter the assumptions used in calculating the Company’s credit losses, given the change to estimated losses for the estimated life of the financial asset, and will likely result in material changes to the Company’s credit and capital reserves. In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework- Changes to the Disclosure Requirements for Fair Value Measurement , which modifies the disclosure requirements on fair value measurements. The ASU removes the requirement to disclose: the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy; the policy for timing of transfers between levels; and the valuation processes for Level 3 fair value measurements. The ASU requires disclosure of changes in unrealized gains and losses for the period included in other comprehensive income (loss) for recurring Level 3 fair value measurements held at the end of the reporting period and the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements. This new guidance will be effective for fiscal years beginning after December 15, 2019 and interim periods within those fiscal years. Early adoption is permitted. The Company is currently evaluating the effect that the new guidance will have on its consolidated financial statements and related disclosures. In August 2018, the FASB issued ASU 2018-15, Intangibles-Goodwill and Other-Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service Contract. This ASU aligns the requirements for capitalizing implementation costs incurred in a hosting arrangement that is a service contract with the requirements for capitalizing implementation costs incurred to develop or obtain internal-use software. This new guidance will be effective for public companies for fiscal years beginning after December 15, 2019 and interim periods within those fiscal years. Early adoption is permitted. The Company is currently evaluating the effect that the new guidance will have on its consolidated financial statements and related disclosures. In October 2018, the FASB issued ASU 2018-16, Derivatives and Hedging (Topic 815), Inclusion of the Secured Overnight Financing Rate (SOFR) Overnight Index Swap (OIS) Rate as a Benchmark Interest Rate for Hedge Accounting Purposes. This ASU permits use of the OIS rate based on SOFR as an eligible benchmark interest rate for purposes of applying hedge accounting under Topic 815. Since we early adopted ASU 2017-12, this update will be effective for fiscal years beginning after December 15, 2018 and interim periods within those fiscal years. The Company is currently evaluating the effect that the new guidance will have on its consolidated financial statements and related disclosures. In addition to those described in detail above, the Company is also in the process of evaluating the following ASUs and does not expect them to have a material impact on the Company’s business, financial position, results of operations or disclosures: • ASU 2017-06, Plan Accounting: Defined Benefit Pension Plans (Topic 960), Defined Contribution Pension Plans (Topic 962), Health and Welfare Benefit Plans (Topic 965): Employee Benefit Plan Master Trust Reporting (a consensus of the Emerging Issues Task Force) • ASU 2017-08, Receivables - Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities • ASU 2017-11, Earnings Per Share (Topic 260); Distinguishing Liabilities from Equity (Topic 480); Derivatives and Hedging (Topic 815): (Part I) Accounting for Certain Financial Instruments with Down Round Features, (Part II) Replacement of the Indefinite Deferral for Mandatorily Redeemable Financial Instruments of Certain Nonpublic Entities and Certain Mandatorily Redeemable Noncontrolling Interests with a Scope Exception • ASU 2018-07, Compensation - Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting • ASU 2018-09, Codification Improvements • ASU 2018-17, Consolidation (Topic 810):Targeted Improvements to Related Party Guidance for Variable Interest Entities

Description of Business, Basi_3

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices (Tables)	12 Months Ended
	Dec. 31, 2018
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Summary of Corrections to Previously Reported Amounts	The following tables summarize the impacts of the corrections on the Company’s Consolidated Balance Sheet: December 31, 2017 Reported Corrections Revised Assets Finance receivable held for investment, net 22,427,769 (33,483 ) 22,394,286 Accrued interest receivable 326,640 13,978 340,618 Total assets 39,422,304 (19,505 ) 39,402,799 Liabilities and Equity Liabilities: Deferred tax liabilities, net 897,121 (4,706 ) 892,415 Total liabilities 32,941,803 (4,706 ) 32,937,097 Total stockholders’ equity 6,480,501 (14,799 ) 6,465,702 Total liabilities and equity 39,422,304 (19,505 ) 39,402,799 The following tables summarize the impacts of the corrections on the Consolidated Statements of Income and Comprehensive Income: December 31, 2017 Reported Corrections Revised Interest on finance receivable and loans 4,755,678 89,945 4,845,623 Provision for credit losses 2,254,361 109,450 2,363,811 Income (loss) before income taxes 823,514 (19,505 ) 804,009 Income tax expense (364,092 ) (4,706 ) (368,798 ) Net income (loss) 1,187,606 (14,799 ) 1,172,807 Net income (loss) per common share (basic) $ 3.30 $ (0.04 ) $ 3.26 Net income (loss) per common share (diluted) $ 3.30 $ (0.04 ) $ 3.26 The following tables summarize the impacts of the corrections on the Consolidated Statement of Cash Flows: December 31, 2017 Reported (a) Corrections Revised Net cash provided by operating activities 3,865,378 75,968 3,941,346 Net cash used in investing activities (3,514,365 ) (75,968 ) (3,590,333 ) (a) Adjusted for ASU 2016-18 Statement of Cash Flows (Topic 230) for period ended December 31, 2017 In addition to the revision of the Company’s consolidated financial statements, information within the footnotes to the consolidated statements has been revised to reflect the correction of the errors discussed above. The following table summarizes the impacts of the corrections of those items, including table disclosures in Note 4 Credit Loss Allowance and Credit Quality: December 31, 2017 Reported Corrections Revised TDR - Unpaid principal balance $ 6,261,894 $ 52,141 $ 6,314,035 TDR - Impairment 1,731,320 72,812 1,804,132 TDR allowance ratio 27.6 % 1.0 % 28.6 % Nonaccrual loans TDRs 1,390,373 (583,435 ) 806,938 Delinquencies for our retail installment contracts held for investment: Principal, 30-59 days past due 2,827,678 130,517 2,958,195 Delinquent principal over 59 days 1,544,583 101,206 1,645,789 Total delinquent principal 4,372,261 231,723 4,603,984

Finance Receivables (Tables)

Finance Receivables (Tables)	12 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
Summary of Finance Receivables Held for Investment	Finance receivables held for investment, net is comprised of the following at December 31, 2018 and 2017 : December 31, 2018 December 31, 2017 Retail installment contracts acquired individually (a) (b) $ 25,065,511 $ 22,329,026 Purchased receivables 19,235 27,839 Receivables from dealers 14,557 15,623 Personal loans 2,014 4,459 Capital lease receivables (Note 3) 16,137 17,339 Finance receivables held for investment, net $ 25,117,454 $ 22,394,286 (a) The Company has elected the fair value option for certain retail installment contracts reported in finance receivables held for investment, net. As of December 31, 2018 and December 31, 2017 , $13,509 and $22,124 of loans were recorded at fair value (Note 15). (b) During the twelve months ended December 31, 2018 , the Company purchased finance receivables from a third party lender for $67,249 . The unpaid principal balance of these loans as of the acquisition date was $74,086 . The Company determined that the acquired loans were non-credit impaired loans because they either did not have evidence of credit quality deterioration or it was not probable that the Company would not collect all contractually required payments, which was evaluated using a number of factors including the loan’s delinquency status, borrower’s credit status, and roll rates. Accordingly, these loans are accounted for in accordance with ASC 310 - 20. Under ASC 310-20, the difference between the loan's principal balance, at the time of purchase, and the fair value is recognized as an adjustment of yield over the life of the loan. All other policies related to interest income, calculation of allowance for loan losses, and recognizing TDRs would be similar to retail installment contracts acquired individually and are originated by the Company. The Company’s held for investment portfolio of retail installment contracts acquired individually, receivables from dealers, and personal loans is comprised of the following at December 31, 2018 and 2017 : December 31, 2018 Retail Installment Contracts Acquired Individually Receivables from Personal Loans Non- TDR TDR Unpaid principal balance $ 23,054,157 $ 5,378,603 $ 14,710 $ 2,637 Credit loss allowance - specific — (1,416,743 ) — — Credit loss allowance - collective (1,819,360 ) — (153 ) (761 ) Discount (172,659 ) (40,333 ) — — Capitalized origination costs and fees 77,398 4,448 — 138 Net carrying balance $ 21,139,536 $ 3,925,975 $ 14,557 $ 2,014 December 31, 2017 Retail Installment Contracts Acquired Individually Receivables from Personal Loans (a) Non-TDR TDR Unpaid principal balance $ 19,679,082 $ 6,314,035 $ 15,787 $ 6,887 Credit loss allowance - specific — (1,804,132 ) — — Credit loss allowance - collective (1,540,315 ) — (164 ) (2,565 ) Discount (309,191 ) (74,832 ) — (1 ) Capitalized origination costs and fees 58,638 5,741 — 138 Net carrying balance $ 17,888,214 $ 4,440,812 $ 15,623 $ 4,459
Schedule of Finance Receivables, Deteriorated Credit Quality	Purchased receivables portfolios, which were acquired with deteriorated credit quality, is comprised of the following at December 31, 2018 and 2017 : December 31, 2018 December 31, 2017 Outstanding balance $ 30,631 $ 43,474 Outstanding recorded investment, net of impairment 19,390 28,069
Changes in Accretable Yield on Purchased Receivables Portfolios	Changes in accretable yield on the Company’s purchased receivables portfolios-credit impaired for the periods indicated is as follows: For the Year Ended December 31, 2018 2017 2016 Balance — beginning of year $ 19,464 $ 107,041 $ 178,582 Accretion of accretable yield (8,569 ) (30,129 ) (69,701 ) Disposals/transfers — (62,183 ) — Reclassifications from (to) nonaccretable difference (a) 7,250 4,735 (1,840 ) Balance — end of year $ 18,145 $ 19,464 $ 107,041 (a) Reclassifications from (to) nonaccretable difference represents the increases (decreases) in accretable yield resulting from higher (lower) estimated undiscounted cash flows.
Schedule of Financing Receivables Held-For-Sale, Carrying Values	The carrying value of the Company’s finance receivables held for sale, net is comprised of the following at December 31, 2018 and 2017 : December 31, 2018 December 31, 2017 Retail installment contracts acquired individually $ — $ 1,148,332 Personal loans 1,068,757 1,062,089 Total assets held for sale $ 1,068,757 $ 2,210,421
Schedule of Sales of Retail Installment Contracts and Charged-off Assets	Sales of retail installment contracts acquired individually and proceeds from sales of charged-off assets for the years ended December 31, 2018 , 2017 , and 2016 were as follows: For the Year Ended December 31, 2018 2017 2016 Sale of retail installment contracts to third parties $ — $ 260,568 $ 3,694,019 Sale of retail installment contracts to affiliates 2,905,922 2,583,341 — Proceeds from sales of charged-off assets 55,902 93,619 64,847

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2018
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, 2018 and 2017 : December 31, December 31, Leased vehicles $ 18,737,338 $ 14,285,769 Less: accumulated depreciation (3,518,025 ) (3,110,167 ) Depreciated net capitalized cost 15,219,313 11,175,602 Manufacturer subvention payments, net of accretion (1,307,424 ) (1,042,477 ) Origination fees and other costs 66,966 27,202 Net book value $ 13,978,855 $ 10,160,327
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, 2018 : 2019 $ 2,298,849 2020 1,639,351 2021 588,327 2022 26,824 Thereafter — Total $ 4,553,351
Schedule of Capital Lease Receivable	Capital lease receivables, net consisted of the following as of December 31, 2018 and 2017 : December 31, December 31, Gross investment in capital leases $ 23,809 $ 27,234 Origination fees and other 152 124 Less unearned income (4,465 ) (4,377 ) Net investment in capital leases before allowance 19,496 22,981 Less: allowance for lease losses (3,359 ) (5,642 ) Net investment in capital leases $ 16,137 $ 17,339
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, 2018 : 2019 $ 7,296 2020 6,288 2021 5,057 2022 3,611 Thereafter 1,557 Total $ 23,809

Credit Loss Allowance and Cre_2

Credit Loss Allowance and Credit Quality (Tables)	12 Months Ended
	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Abstract]
Summary of Activity in Credit Loss Allowance	The activity in the lease loss allowance for capital leases for the years ended December 31, 2018 , 2017 , and 2016 was as follows: For the Year Ended December 31, 2018 2017 2016 Balance — beginning of year $ 5,642 $ 9,988 $ 19,878 Provision for credit losses (641 ) 48 (506 ) Charge-offs (6,545 ) (11,069 ) (33,476 ) Recoveries 4,903 6,675 24,092 Balance — end of year $ 3,359 $ 5,642 $ 9,988 The activity in the credit loss allowance for individually acquired loans for the years ended December 31, 2018 , 2017 , and 2016 were as follows: Year Ended December 31, 2018 Retail Installment Contracts Acquired Individually Receivables Personal Loans Non-TDR TDR Balance — beginning of year $ 1,540,315 $ 1,804,132 $ 164 $ 2,565 Provision for credit losses 1,433,977 772,448 (11 ) (188 ) Charge-offs (a) (2,850,361 ) (2,029,325 ) — (2,546 ) Recoveries 1,695,429 869,488 — 930 Balance — end of year $ 1,819,360 $ 1,416,743 $ 153 $ 761 Year Ended December 31, 2017 Retail Installment Contracts Acquired Individually Receivables Personal Loans Non-TDR TDR Balance — beginning of year $ 1,799,760 $ 1,611,295 $ 724 $ — Provision for credit losses 877,771 1,475,861 (560 ) 10,691 Charge-offs (a) (2,758,023 ) (2,064,331 ) — (8,945 ) Recoveries 1,620,807 781,307 — 819 Balance — end of year $ 1,540,315 $ 1,804,132 $ 164 $ 2,565 (a) For the years ended December 31, 2018 an d 2017 , charge-offs for retail installment contracts acquired individually includes approximately $18 million and $75 million , respectively, for the partial write-down of loans to the collateral value less estimated costs to sell, for which a bankruptcy notice was received. There is no additional credit loss allowance on these loans. No such charge-offs were recorded for the year ended December 31, 2016 . Year Ended December 31, 2016 Retail Installment Contracts Acquired Individually Receivables Non-TDR TDR Balance — beginning of year $ 1,834,391 $ 1,363,023 $ 916 Provision for credit losses 1,300,921 1,170,569 201 Charge-offs (3,109,895 ) (1,613,754 ) (393 ) Recoveries 1,774,343 691,457 — Balance — end of year $ 1,799,760 $ 1,611,295 $ 724
Summary of Delinquencies	A summary of delinquencies as of December 31, 2018 and 2017 is as follows: December 31, 2018 Retail Installment Contracts Held for Investment Loans Purchased Total Principal, 30-59 days past due $ 3,118,869 $ 2,926 $ 3,121,795 Delinquent principal over 59 days (a) 1,712,243 1,532 1,713,775 Total delinquent principal $ 4,831,112 $ 4,458 $ 4,835,570 December 31, 2017 Retail Installment Contracts Held for Investment Loans Purchased Total Principal, 30-59 days past due $ 2,953,203 $ 4,992 $ 2,958,195 Delinquent principal over 59 days (a) 1,642,934 2,855 1,645,789 Total delinquent principal $ 4,596,137 $ 7,847 $ 4,603,984 (a) Interest is accrued until 60 days past due in accordance with the Company’s accounting policy for retail installment contracts.
Summary of Retail Installment Contracts Held for Investment on Nonaccrual Status	Within the total delinquent principal above, retail installment contracts acquired individually held for investment that were placed on nonaccrual status, as of December 31, 2018 and 2017 : December 31, 2018 December 31, 2017 Amount Percent (a) Amount Percent (a) Non-TDR $ 834,921 2.9 % $ 691,256 2.7 % TDR 733,218 2.6 % 806,938 3.1 % Total nonaccrual principal $ 1,568,139 5.5 % $ 1,498,194 5.8 % (a) Percent of unpaid principal balance of total retail installment contracts acquired individually held for investment.
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, 2018 and 2017 was as follows: FICO ® Band December 31, 2018 (b) December 31, 2017 (b) Commercial (a) 1.9% 2.5% No-FICOs 11.0% 11.2% <540 19.8% 21.9% 540-599 32.9% 32.0% 600-639 18.2% 17.3% >640 16.2% 15.1% (a) No FICO score is obtained on loans to commercial borrowers. (b) Percentages are based on unpaid principal balance
Loan Credit Quality Indicators for Receivables Held for Investment	Commercial loan credit quality indicators for receivables from dealers held for investment as of December 31, 2018 and 2017 were as follows: December 31, December 31, Pass $ 14,710 $ 14,130 Special Mention — 1,657 Substandard — — Doubtful — — Loss — — Total (Unpaid principal balance) $ 14,710 $ 15,787
Summary of Company's TDRs	The table below presents the Company’s loans modified in TDRs as of December 31, 2018 and 2017 : December 31, 2018 December 31, 2017 Retail Installment Contracts Outstanding recorded investment (a) $ 5,365,477 $ 6,328,159 Impairment (1,416,743 ) (1,804,132 ) Outstanding recorded investment, net of impairment $ 3,948,734 $ 4,524,027 (a) As of December 31, 2018 , the outstanding recorded investment excludes $90.1 million of collateral-dependent bankruptcy TDRs that has been written down by $36.4 million to fair value less cost to sell. As of December 31, 2017 , the outstanding recorded investment excludes $64.7 million of collateral-dependent bankruptcy TDRs that have been written down by $29.2 million to fair value less cost to sell.
Summary of Delinquent TDRs	A summary of the Company’s delinquent TDRs at December 31, 2018 and 2017 , is as follows: December 31, 2018 December 31, 2017 Retail Installment Contracts (a) Principal, 30-59 days past due $ 1,265,946 $ 1,422,101 Delinquent principal over 59 days 810,589 893,708 Total delinquent TDR principal $ 2,076,535 $ 2,315,809 (a) The balances in the above table reflects total unpaid principal balance rather than net recorded investment before allowance.
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, 2018 December 31, 2017 December 31, 2016 Retail Installment Contracts Retail Installment Contracts Retail Installment Contracts Average outstanding recorded investment in TDRs $ 5,970,789 $ 6,069,442 $ 5,079,782 Interest income recognized 1,035,783 1,037,159 802,048
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, 2018 , 2017 , and 2016 : For the Year Ended December 31, 2018 December 31, 2017 December 31, 2016 Retail Installment Contracts Retail Installment Contracts Retail Installment Contracts Outstanding recorded investment before TDR $ 2,226,775 $ 3,547,456 $ 3,394,308 Outstanding recorded investment after TDR $ 2,236,262 $ 3,541,968 $ 3,419,990 Number of contracts (not in thousands) 132,633 204,775 191,385
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, 2018 , 2017 , and 2016 are summarized in the following table: For the Year Ended December 31, 2018 December 31, 2017 December 31, 2016 Retail Installment Contracts Retail Installment Contracts Retail Installment Contracts Recorded investment in TDRs that subsequently defaulted (a) $ 682,348 $ 820,765 $ 788,933 Number of contracts (not in thousands) 40,149 46,600 44,972 (a) For TDR modifications and TDR modifications that subsequently default, while the allowance methodology remains unchanged, transition rates of the TDR loans are adjusted to reflect the respective risks.

Goodwill and Intangibles (Table

Goodwill and Intangibles (Tables)	12 Months Ended
	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Finite-Lived Intangible Assets	The components of intangible assets at December 31, 2018 and 2017 were as follows: December 31, 2018 Useful Life Gross Carrying Amount Accumulated Amortization Net Carrying Value Amortized intangible assets: Customer relationships 10 years $ 12,400 $ (12,400 ) $ — Software and technology 3 years 47,772 (27,277 ) 20,495 Trademarks 3 - 15 years 20,347 (5,647 ) 14,700 Total $ 80,519 $ (45,324 ) $ 35,195 December 31, 2017 Useful Life Gross Carrying Amount Accumulated Amortization Net Carrying Value Amortized intangible assets: Customer relationships 10 years $ 12,400 $ (11,883 ) $ 517 Software and technology 3 years 33,603 (20,286 ) 13,317 Trademarks 3 - 15 years 20,347 (4,447 ) 15,900 Total $ 66,350 $ (36,616 ) $ 29,734
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense	Estimated future amortization expense is as follows: 2019 $ 10,380 2020 7,922 2021 5,817 2022 1,200 2023 and thereafter 9,876 Total $ 35,195

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2018
Debt Disclosure [Abstract]
Schedule of Credit Facilities	The following table presents information regarding credit facilities as of December 31, 2018 and 2017 : December 31, 2018 Maturity Date(s) Utilized Balance Committed Amount Effective Rate Assets Pledged Restricted Cash Pledged Facilities with third parties: Warehouse line August 2019 $ 53,584 $ 500,000 8.34% $ 78,790 $ — Warehouse line Various (a) 314,845 1,250,000 4.83% 458,390 — Warehouse line (b) August 2020 2,154,243 4,400,000 3.79% 2,859,113 4,831 Warehouse line October 2020 242,377 2,050,000 5.94% 345,599 120 Repurchase facility (c) April 2019 167,118 167,118 3.84% 235,540 — Repurchase facility (c) March 2019 131,827 131,827 3.54% 166,308 — Warehouse line November 2020 1,000,000 1,000,000 3.32% 1,430,524 6 Warehouse line November 2020 317,020 500,000 3.53% 359,214 525 Warehouse line October 2019 97,200 350,000 4.35% 108,418 328 Total facilities with third parties 4,478,214 10,348,945 6,041,896 5,810 Lines of credit with Santander and related subsidiaries: Promissory Note December 2022 250,000 250,000 3.95% — — Promissory Note December 2021 250,000 250,000 3.70% — — Promissory Note December 2023 250,000 250,000 5.25% — — Promissory Note December 2022 250,000 250,000 5.00% — — Promissory Note March 2019 300,000 300,000 4.09% — — Promissory Note October 2020 400,000 400,000 3.10% — — Promissory Note May 2020 500,000 500,000 3.49% — — Promissory Note (d) March 2022 650,000 650,000 4.20% — — Promissory Note August 2021 650,000 650,000 3.38% — — Line of credit July 2021 — 500,000 4.34% — — Line of credit March 2019 — 3,000,000 4.97% — — Total facilities with Santander and related subsidiaries 3,500,000 7,000,000 — — Total revolving credit facilities $ 7,978,214 $ 17,348,945 $ 6,041,896 $ 5,810 (a) One-half of the outstanding balance of this facility matures in March 2019 and the remaining balance matures in March 2020. (b) This line is held exclusively for financing of Chrysler Capital leases. (c) The repurchase facilities are collateralized by securitization notes payable retained by the Company. As the borrower, we are exposed to liquidity risk due to changes in the market value of the retained securities pledged. In some instances, we place or receive cash collateral with counterparties under collateral arrangements associated with our repurchase agreements. (d) In 2017, the Company entered into an interest rate swap to hedge the interest rate risk on this fixed rate debt. This derivative was designated as fair value hedge at inception. This was later terminated and the fair value hedge adjustment as of December 31, 2018 and December 31, 2017 was $3.2 million and $4.2 million , respectively, the amortization of which will reduce interest expense over the remaining life of the fixed rate debt. December 31, 2017 Maturity Date(s) Utilized Balance Committed Amount Effective Rate Assets Pledged Restricted Cash Pledged Facilities with third parties: Warehouse line January 2018 $ 336,484 $ 500,000 2.87% $ 473,208 $ — Warehouse line Various 339,145 1,250,000 2.53% 461,353 12,645 Warehouse line August 2019 2,044,843 3,900,000 2.96% 2,929,890 53,639 Warehouse line December 2018 — 300,000 1.49% — — Warehouse line October 2019 226,577 1,800,000 4.95% 311,336 6,772 Repurchase facility Various 325,775 325,775 3.24% 474,188 13,842 Repurchase facility April 2018 202,311 202,311 2.67% 264,120 — Repurchase facility March 2018 147,500 147,500 3.91% 222,108 — Repurchase facility March 2018 68,897 68,897 3.04% 95,762 — Warehouse line November 2019 403,999 1,000,000 2.66% 546,782 14,729 Warehouse line October 2019 81,865 400,000 4.09% 114,021 3,057 Warehouse line November 2019 435,220 500,000 1.92% 521,365 16,866 Warehouse line October 2018 235,700 300,000 2.84% 289,634 10,474 Total facilities with third parties 4,848,316 10,694,483 6,703,767 132,024 Lines of credit with Santander and related subsidiaries: Line of credit December 2018 — 1,000,000 3.09% — — Promissory Note December 2021 250,000 250,000 3.70% — — Promissory Note December 2022 250,000 250,000 3.95% — — Promissory Note March 2019 300,000 300,000 2.67% — — Promissory Note October 2020 400,000 400,000 3.10% — — Promissory Note May 2020 500,000 500,000 3.49% — — Promissory Note March 2022 650,000 650,000 4.20% — — Promissory Note August 2021 650,000 650,000 3.44% — — Line of credit December 2018 750,000 750,000 1.33% — — Line of credit March 2019 — 3,000,000 3.94% — — Total facilities with Santander and related subsidiaries 3,750,000 7,750,000 — — Total revolving credit facilities $ 8,598,316 $ 18,444,483 $ 6,703,767 $ 132,024
Summary of Secured Structured Financings	The following table presents information regarding secured structured financings as of December 31, 2018 and 2017 : December 31, 2018 Estimated Maturity Date(s) Balance Initial Note Amounts Issued (d) Initial Weighted Average Interest Rate Collateral (b) Restricted Cash 2014 Securitization January 2022 - April 2022 $ 246,989 $ 2,291,020 1.16%-1.27% $ 334,888 $ 65,028 2015 Securitization April 2021 - January 2023 1,651,411 9,054,732 1.33%-2.29% 1,979,942 288,654 2016 Securitization April 2022- March 2024 2,233,720 7,462,790 1.63%-2.8% 2,876,141 285,300 2017 Securitization July 2022 - September 2024 4,385,029 9,296,570 1.35%-2.52% 6,090,150 352,833 2018 Securitization May 2022 - April 2026 10,708,030 13,275,840 2.41%-3.53% 13,631,783 549,899 Public securitizations (a) 19,225,179 41,380,952 24,912,904 1,541,714 2013 Private issuance November 2020 - September 2024 1,507,241 2,044,054 1.28%-1.38% 2,896,344 3,021 2015 Private issuance June 2019-September 2021 1,043,723 1,811,312 0.88%-2.8% 350,212 2,215 2016 Private issuance August 2020 - Sept 2024 454,280 2,550,000 1.93%-2.86% 901,641 1,661 2017 Private issuance April 2021 - Sept 2021 689,152 1,600,000 1.85%-2.44% 1,037,263 5,716 2018 Private issuance June 2022-April 2024 3,981,955 3,300,002 2.42%-3.17% 5,197,806 22,588 Privately issued amortizing notes (c) 7,676,351 11,305,368 10,383,266 35,201 Total secured structured financings $ 26,901,530 $ 52,686,320 $ 35,296,170 $ 1,576,915 (a) Securitizations executed under Rule 144A of the Securities Act are included within this balance. (b) Secured structured financings may be collateralized by the Company’s collateral overages of other issuances. (c) All privately issued amortizing notes issued in 2014 were paid in full. (d) Excludes securitizations which no longer has outstanding debt and excludes any incremental borrowings. December 31, 2017 Estimated Maturity Date(s) Balance Initial Note Amounts Issued Initial Weighted Average Interest Rate Collateral Restricted Cash 2013 Securitizations January 2019 - March 2021 418,806 4,239,700 0.89% - 1.59% 544,948 125,696 2014 Securitizations February 2020 - April 2022 1,150,422 6,391,020 1.16% - 1.72% 1,362,814 210,937 2015 Securitizations September 2019 - January 2023 2,484,051 9,171,332 1.33% - 2.29% 3,465,671 366,062 2016 Securitizations April 2022 - March 2024 3,596,822 7,462,790 1.63% - 2.80% 4,798,807 344,899 2017 Securitizations April 2023 - September 2024 7,343,157 9,535,800 2.01% - 2.52% 9,701,381 422,865 Public securitizations 14,993,258 36,800,642 19,873,621 1,470,459 2011 Private issuance September 2028 281,946 1,700,000 1.46% 398,051 20,356 2013 Private issuances August 2021 - September 2024 2,292,279 2,044,054 1.28% - 1.38% 3,719,148 155,066 2014 Private issuances March 2018 - November 2021 117,730 1,538,087 1.05% - 1.40% 231,997 9,552 2015 Private issuances November 2018 - September 2021 2,009,627 2,305,062 0.88% - 4.09% 988,247 55,451 2016 Private issuances May 2020 - September 2024 1,489,464 3,050,000 1.55% - 2.86% 2,147,988 89,460 2017 Private issuances April 2021 - September 2021 1,373,591 1,641,079 1.85% - 2.27% 1,747,227 47,415 Privately issued amortizing notes 7,564,637 12,278,282 9,232,658 377,300 Total secured structured financings $ 22,557,895 $ 49,078,924 $ 29,106,279 $ 1,847,759
Schedule of Maturities of Long-term Debt	The final contractual maturity and weighted average interest rate (net of interest income earned on retained bonds) by year on these notes at December 31, 2018 , were as follows: 2019, 2.52% $ 1,135,311 2020, 2.63% 1,406,303 2021, 2.96% 5,929,140 2022, 3.32% 7,403,396 2023, 3.61% 4,674,427 Thereafter, 3.48% 6,411,044 $ 26,959,621 Less: unamortized costs (58,091 ) Notes payable - secured structured financings $ 26,901,530

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	12 Months Ended
	Dec. 31, 2018
Variable Interest Entity Disclosure [Abstract]
Summary of Cash Flows Received from Securitization Trusts	A summary of the cash flows received from these off-balance sheet securitization trusts for the years ended December 31, 2018 , 2017 , and 2016 , is as follows: For the Year Ended December 31, 2018 2017 2016 Receivables securitized (a) $ 2,905,922 $ 2,583,341 $ 904,108 Net proceeds from new securitizations $ 2,909,794 $ 2,588,227 $ 876,592 Cash received for servicing fees 43,859 35,682 47,804 Total cash received from securitization trusts $ 2,953,653 $ 2,623,909 $ 924,396 (a) Represents the unpaid principal balance at the time of original securitization. A summary of the cash flows received from consolidated securitization trusts for the years ended December 31, 2018 , 2017 , and 2016 , is as follows: For the Year Ended December 31, 2018 2017 2016 Assets securitized $ 26,650,284 $ 18,442,793 $ 15,828,921 Net proceeds from new securitizations (a) $ 17,338,880 $ 14,126,211 $ 13,319,530 Net proceeds from sale of retained bonds 1,059,694 499,354 436,812 Cash received for servicing fees (b) 887,988 866,210 787,778 Net distributions from Trusts (b) 2,767,509 2,613,032 1,748,013 Total cash received from Trusts $ 22,054,071 $ 18,104,807 $ 16,292,133 (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 Portfolio	The portfolio was comprised as follows: Year ended December 31, 2018 2017 SPAIN $ 3,461,793 $ 2,024,016 Total serviced for related parties 3,461,793 2,024,016 Chrysler Capital securitizations 611,050 1,404,232 Total serviced for third parties 611,050 1,404,232 Total serviced for others portfolio $ 4,072,843 $ 3,428,248

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2018
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, 2018 and 2017 , were as follows: December 31, 2018 Notional Fair Value Asset Liability Interest rate swap agreements designated as cash flow hedges $ 3,933,500 $ 36,489 $ 43,967 $ (7,478 ) Interest rate swap agreements not designated as hedges 2,270,200 9,423 11,553 (2,130 ) Interest rate cap agreements 7,741,765 128,377 128,377 — Options for interest rate cap agreements 7,741,765 (128,377 ) — (128,377 ) December 31, 2017 Notional Fair Value Asset Liability Interest rate swap agreements designated as cash flow hedges $ 4,926,900 $ 45,986 $ 45,986 $ — Interest rate swap agreements not designated as hedges 1,736,400 9,596 9,596 — Interest rate cap agreements 10,906,081 103,721 135,830 (32,109 ) Options for interest rate cap agreements 10,906,081 (103,659 ) 32,165 (135,824 )
Schedule of Offsetting Assets	Information on the offsetting of derivative assets and derivative liabilities due to the right of offset was as follows, as of December 31, 2018 and 2017 : Gross Amounts Not Offset in the Assets Presented Cash Net December 31, 2018 Interest rate swaps - third party (b) 55,520 (23,929 ) 31,591 Interest rate caps - third party 128,377 (72,830 ) 55,547 Total derivatives subject to a master netting arrangement or similar arrangement 183,897 (96,759 ) 87,138 Total derivatives not subject to a master netting arrangement or similar arrangement — — — Total derivative assets $ 183,897 $ (96,759 ) $ 87,138 Total financial assets $ 183,897 $ (96,759 ) $ 87,138 December 31, 2017 Interest rate swaps - Santander & affiliates $ 8,621 $ (3,461 ) $ 5,160 Interest rate swaps - third party 46,961 (448 ) 46,513 Interest rate caps - Santander & affiliates 18,201 (12,240 ) 5,961 Interest rate caps - third party 149,794 (55,835 ) 93,959 Total derivatives subject to a master netting arrangement or similar arrangement 223,577 (71,984 ) 151,593 Total derivatives not subject to a master netting arrangement or similar arrangement — — — Total derivative assets $ 223,577 $ (71,984 ) $ 151,593 Total financial assets $ 223,577 $ (71,984 ) $ 151,593 (a) Cash collateral received is reported in Other liabilities or Due to affiliate, as applicable, in the consolidated balance sheet. (b) Includes derivative instruments originally transacted with Santander and affiliates and subsequently amended to reflect clearing with central clearing counterparties.
Schedule of Offsetting Liabilities	Gross Amounts Not Offset in the Liabilities Presented Cash Net December 31, 2018 Interest rate swaps - third party $ 9,608 $ (9,608 ) $ — Interest rate caps - third party 128,377 (128,377 ) — Total derivatives subject to a master netting arrangement or similar arrangement 137,985 (137,985 ) — Total derivatives not subject to a master netting arrangement or similar arrangement — — — Total derivative liabilities $ 137,985 $ (137,985 ) $ — Total financial liabilities $ 137,985 $ (137,985 ) $ — December 31, 2017 Back to back - Santander & affiliates 18,201 (18,201 ) — Back to back - third party 149,732 (133,540 ) 16,192 Total derivatives subject to a master netting arrangement or similar arrangement 167,933 (151,741 ) 16,192 Total derivatives not subject to a master netting arrangement or similar arrangement — — — Total derivative liabilities $ 167,933 $ (151,741 ) $ 16,192 Total financial liabilities $ 167,933 $ (151,741 ) $ 16,192 (a) Cash collateral pledged is reported in Other assets or Due from affiliate, as applicable, in the consolidated balance sheet. In certain instances, the Company is over-collateralized since the actual amount of cash pledged as collateral exceeds the associated financial liability, as such, the actual amount of cash collateral pledged that is reported in Other assets or Due from affiliates may be greater than the amount shown in the table above.
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, 2018 , 2017 , and 2016 as follows: December 31, 2018 Recognized in Earnings Gross Gains Recognized in Accumulated Other Comprehensive Income (Loss) Gross amount Reclassified From Accumulated Other Comprehensive Interest rate swap agreements designated as cash flow hedges $ — $ 20,537 $ 37,710 Derivative instruments not designated as hedges: Losses (Gains) recognized in interest expense $ (5,369 ) December 31, 2017 Recognized in Earnings Gross Gains Recognized in Accumulated Other Comprehensive Income (Loss) Gross amount Reclassified From Accumulated Other Comprehensive Interest rate swap agreements designated as cash flow hedges $ 112 $ 22,333 $ 6,060 Derivative instruments not designated as hedges: Losses (Gains) recognized in operating expenses $ 6,835 December 31, 2016 Recognized in Earnings Gross Gains Recognized in Accumulated Other Comprehensive Income (Loss) Gross amount Reclassified From Accumulated Other Comprehensive Interest rate swap agreements designated as cash flow hedges $ 1,131 $ (2,118 ) $ (43,898 ) Derivative instruments not designated as hedges: Losses (Gains) recognized in operating expenses 1,593

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Dec. 31, 2018
Other Assets [Abstract]
Schedule of Other Assets	Other assets comprised the following balances: December 31, December 31, Vehicles (a) $ 342,097 $ 293,546 Manufacturer subvention payments receivable (b) 106,313 83,910 Upfront fee (b) 65,000 80,000 Derivative assets at fair value (c) 183,897 196,755 Derivative- third party collateral 150,783 149,805 Prepaids 29,080 40,830 Accounts receivable 28,511 38,583 Other 57,666 29,815 Total $ 963,347 $ 913,244 (a) Includes vehicles recovered through repossession as well as vehicles recovered due to lease terminations. (b) These amounts relate to the Chrysler Agreement. The Company paid a $150,000 upfront fee upon the May 2013 inception of the Chrysler 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. Exercise of the equity option in the Chrysler agreement by FCA would require the Company to evaluate whether the remaining unamortized balance of the upfront fee should be impaired. To date, FCA has not exercised its equity option. (c) Derivative assets at fair value represent the gross amount of derivatives presented in the consolidated financial statements. Refer to Note 8 to these Consolidated Financial Statements for the detail of these amounts.

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2018
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, 2018 , 2017 , and 2016 , were as follows: For the Year Ended December 31, 2018 2017 2016 Income before income taxes: Domestic $ 1,189,612 $ 697,991 $ 942,436 Foreign 2,656 106,018 218,275 Total $ 1,192,268 $ 804,009 $ 1,160,711 Current income tax expense (benefit): Federal $ (9,702 ) $ (6,140 ) $ 2,481 State 18,448 (6,436 ) 3,273 Foreign 110 4,273 8,738 Total current income tax expense (benefit) $ 8,856 $ (8,303 ) $ 14,492 Deferred income tax expense (benefit): Federal 217,309 (390,637 ) 343,816 State 50,180 30,181 35,944 Foreign (3 ) (39 ) (7 ) Total deferred income tax expense (benefit) 267,486 (360,495 ) 379,753 Total income tax expense (benefit) $ 276,342 $ (368,798 ) $ 394,245
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, 2018 , 2017 , and 2016 , is as follows: For the Year Ended December 31, 2018 2017 2016 Federal statutory rate 21.0 % 35.0 % 35.0 % State and local income taxes — net of federal income tax benefit 4.6 2.3 2.5 Valuation allowance 0.3 — (2.2 ) Electric vehicle credit (0.8 ) (3.0 ) (2.3 ) Tax reform - deferred impact — (83.9 ) — Tax reform - transition tax — 3.1 — Other (1.9 ) 0.6 1.0 Effective income tax rate 23.2 % (45.9 )% 34.0 %
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, 2018 and 2017 , are as follows: December 31, December 31, Deferred tax assets: Debt issuance costs $ 5,454 $ 4,181 Receivables 296,145 520,255 Capitalized origination costs 196 — Net operating loss carryforwards 1,468,374 352,658 Equity-based compensation 14,727 14,258 Credit carryforwards 177,526 163,140 Other 31,392 32,264 Total gross deferred tax assets 1,993,814 1,086,756 Deferred tax liabilities: Capitalized origination costs — (4,229 ) Goodwill (12,735 ) (11,278 ) Leased vehicles (3,109,118 ) (1,942,273 ) Furniture and equipment (5,702 ) (7,201 ) Derivatives (13,357 ) (9,966 ) Other (1,275 ) (925 ) Total gross deferred tax liabilities (3,142,187 ) (1,975,872 ) Valuation allowance (7,510 ) (3,299 ) Net deferred tax asset (liability) $ (1,155,883 ) $ (892,415 )
Summary of Valuation Allowance	A rollforward of the valuation allowance for the years ended December 31, 2018 , 2017 , and 2016 is as follows: For the Year Ended December 31, 2018 2017 2016 Valuation allowance, beginning of year $ 3,299 $ 2,501 $ 30,489 Provision (release) 4,211 798 (27,988 ) Valuation allowance, end of year $ 7,510 $ 3,299 $ 2,501
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, 2018 , 2017 , and 2016 is as follows: For the Year Ended December 31, 2018 2017 2016 Gross unrecognized tax benefits balance, January 1 $ 14,746 $ 16,736 $ 225 Additions for tax positions taken in the current year — — 16,606 Additions for tax positions of prior years 1,608 473 — Reductions for tax positions of prior years (203 ) (589 ) (34 ) Reductions as a result of a lapse of the applicable statute of limitations (186 ) (1,874 ) — Settlements — — (61 ) Gross unrecognized tax benefits balance, December 31 $ 15,965 $ 14,746 $ 16,736

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
Summary of Liabilities for Commitments and Contingencies	The following table summarizes liabilities recorded for commitments and contingencies as of December 31, 2018 and 2017 , all of which are included in accounts payable and accrued expenses in the accompanying consolidated balance sheets: Agreement or Legal Matter Commitment or Contingency December 31, 2018 December 31, 2017 Chrysler Agreement Revenue-sharing and gain-sharing payments $ 7,001 $ 6,580 Agreement with Bank of America Servicer performance fee 6,353 8,072 Agreement with CBP Loss-sharing payments 3,708 5,625 Other Contingencies Consumer arrangements 2,138 6,326 Legal and regulatory proceedings Aggregate legal and regulatory liabilities 97,700 108,800
Schedule of Future Minimum Rental Payments for Operating Leases	The remaining obligations under lease commitments at December 31, 2018 are as follows: 2019 $ 12,817 2020 13,080 2021 12,940 2022 12,282 2023 12,393 Thereafter 32,270 Total $ 95,782

Related-Party Transactions (Tab

Related-Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2018
Related Party Transactions [Abstract]
Schedule of Related Party Transactions	Other information related to the above transactions with SBNA as of December 31, 2018 , 2017 , and 2016 is as follows: For the Year Ended December 31, 2018 2017 2016 Origination and renewal fee income from SBNA(a) $ 4,226 $ 3,136 $ 4,343 Servicing fees expenses charged by SBNA (b) 78 $ 97 $ 110 (a) As of December 31, 2018 , and 2017 , the Company had origination and renewal fees receivable from SBNA of $385 , and $369 , respectively. (b) As of December 31, 2018 , and 2017 , the Company had servicing fees payable to SBNA of $19 , and $9 respectively . Other information on the consumer vehicle lease portfolio serviced for SBNA as of December 31, 2018 and 2017 is as follows: December 31, December 31, Total serviced portfolio $ 338 $ 321,629 Origination and servicing fees receivable — 2,067 Revenue share reimbursement receivable 75 1,548 Interest expense, including unused fees, for affiliate lines/letters of credit for the years ended December 31, 2018 , 2017 , and 2016 was as follows: For the Year Ended December 31, 2018 2017 2016 Line of credit agreement with Santander - New York Branch (a) $ 11,620 $ 51,735 $ 69,877 Debt facilities with SHUSA (Note 6) 151,238 90,988 24,050 (a) Through its New York branch, Santander provided the Company with $1,750,000 of revolving credit facilities. During the year ended December 31, 2018 , these facilities were terminated. Accrued interest for affiliate lines/letters of credit at December 31, 2018 and 2017 , were comprised as follows: December 31, 2018 December 31, 2017 Line of credit agreement with Santander - New York Branch $ — $ 1,435 Debt facilities with SHUSA (Note 6) 19,928 18,670 Other information relating to SPAIN securitization platform for the years ended December 31, 2018 and 2017 is as follows: December 31, December 31, Servicing fees income $ 35,058 $ 12,346 Loss (Gain) on sale, excluding lower of cost or market adjustments (if any) 20,736 13,026 Servicing fees receivable 2,983 1,848 Collections due to Santander 15,968 12,961 Other information on the serviced auto loan and retail installment contract portfolios for SBNA as of December 31, 2018 and 2017 is as follows: December 31, December 31, Total serviced portfolio $ 383,246 $ 522,219 Cash collections due to owner 14,920 12,306 Servicing fees receivable 601 943

Supplemental Cash Flow Inform_2

Supplemental Cash Flow Information (Tables)	12 Months Ended
	Dec. 31, 2018
Supplemental Cash Flow Elements [Abstract]
Schedule of Cash Flow, Supplemental Disclosures	Supplemental cash flow information for the years ended December 31, 2018 , 2017 , and 2016 was as follows: For the Year Ended December 31, 2018 2017 2016 Cash paid (received) during the year for: Interest $ 1,104,982 $ 942,551 $ 796,682 Income taxes 9,865 1,856 (180,323 ) Noncash investing and financing transactions: Transfer of revolving credit facilities to secured structured financings — 495,991 146,864

Computation of Basic and Dilu_2

Computation of Basic and Diluted Earnings per Common Share (Tables)	12 Months Ended
	Dec. 31, 2018
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, 2018 , 2017 and 2016 : For the Year Ended December 31, 2018 2017 2016 Earnings per common share Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 915,926 $ 1,172,807 $ 766,466 Weighted average number of common shares outstanding before restricted participating shares (in thousands) 359,862 359,614 358,032 Weighted average number of participating restricted common shares outstanding (in thousands) — — 249 Weighted average number of common shares outstanding (in thousands) 359,862 359,614 358,281 Earnings per common share $ 2.55 $ 3.26 $ 2.14 Earnings per common share - assuming dilution Net income attributable to Santander Consumer USA Holdings Inc. shareholders $ 915,926 $ 1,172,807 $ 766,466 Weighted average number of common shares outstanding (in thousands) 359,862 359,614 358,281 Effect of employee stock-based awards (in thousands) 810 678 797 Weighted average number of common shares outstanding - assuming dilution (in thousands) 360,672 360,292 359,078 Earnings per common share - assuming dilution $ 2.54 $ 3.26 $ 2.13

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Summary of Fair Value Estimates, Methods and Assumptions	The following tables present the carrying value and estimated fair value of the Company’s financial assets and liabilities disclosed, but not carried, at fair value at December 31, 2018 and December 31, 2017 , and the level within the fair value hierarchy: December 31, 2018 Carrying Estimated Level 1 Level 2 Level 3 Assets: Cash and cash equivalents (a) $ 148,436 $ 148,436 $ 148,436 $ — $ — Finance receivables held for investment, net (b) 24,914,833 26,037,559 — — 26,037,559 Restricted cash (a) 2,102,048 2,102,048 2,102,048 — — Total $ 27,165,317 $ 28,288,043 $ 2,250,484 $ — $ 26,037,559 Liabilities: Notes payable — credit facilities (c) $ 4,478,214 $ 4,478,214 $ — $ — $ 4,478,214 Notes payable — secured structured financings (d) 26,901,530 26,994,912 — 17,924,867 9,070,045 Notes payable — related party (e) 3,503,293 3,438,543 — — 3,438,543 Total $ 34,883,037 $ 34,911,669 $ — $ 17,924,867 $ 16,986,802 December 31, 2017 Carrying Estimated Level 1 Level 2 Level 3 Assets: Cash and cash equivalents (a) $ 527,805 $ 527,805 $ 527,805 $ — $ — Finance receivables held for investment, net (b) 22,250,586 24,340,739 — — 24,340,739 Restricted cash (a) 2,553,902 2,553,902 2,553,902 — — Total $ 25,332,293 $ 27,422,446 $ 3,081,707 $ — $ 24,340,739 Liabilities: Notes payable — credit facilities (c) $ 4,848,316 $ 4,848,316 $ — $ — $ 4,848,316 Notes payable — secured structured financings (d) 22,557,895 22,688,381 — 12,275,408 10,412,973 Notes payable — related party (e) 3,754,223 3,754,223 — — 3,754,223 Total $ 31,160,434 $ 31,290,920 $ — $ 12,275,408 $ 19,015,512 (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 investment, net — Finance receivables held for investment, net are carried at amortized cost, net of an allowance. These receivables exclude retail installment contracts that are measured at fair value on a recurring and nonrecurring basis. 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. • Capital lease receivables — Capital lease receivables are carried at gross investments, net of unearned income and allowance for lease losses. Management believes that the terms of these credit agreements approximate market terms for similar credit agreements. • Receivables from dealers held for investment and personal loans held for investment — Receivables from dealers and personal loans held for investment are carried at amortized cost, net of credit loss allowance. Management believes that the terms of these credit agreements approximate market terms for similar credit agreements. (c) 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. (d) Notes payable — secured structured financings — The estimated fair value of notes payable related to secured structured financings is calculated based on market observable prices and spreads and market observed prices of similar notes issued by the Company, or recent market transactions involving similar debt with similar credit risks, which are considered level 2 inputs. The estimated fair value of notes payable with no observable market prices is calculated based on a combination of credit enhancement review, discounted cash flow analysis and market observable spreads for similar liabilities. In conducting this analysis, the Company uses significant unobservable inputs on key assumptions, including historical default rates, prepayment rates, discount rates reflective of the cost of funding, and credit loss expectations, which are considered level 3 inputs. (e) Notes payable — related party — The carrying amount of floating rate 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 fair value premium/discount of the fixed rate promissory notes are derived from changes in the Company’s unsecured cost of funds since the time of issuance and weighted average life of these notes.
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, 2018 and 2017 , and are categorized using the fair value hierarchy: Fair Value Measurements at December 31, 2018 Total Quoted Prices Significant Significant Other assets — trading interest rate caps (a) $ 128,377 $ — $ 128,377 $ — Other assets — cash flow hedging interest rate swaps (a) 43,967 — 43,967 — Other assets — trading interest rate swaps (a) 11,553 — 11,553 — Other liabilities — trading options for interest rate caps (a) 128,377 — 128,377 — Other liabilities — cash flow hedging interest rate swaps (a) 7,478 — 7,478 — Other liabilities — trading interest rate swaps (a) 2,130 — 2,130 — Retail installment contracts acquired individually (b) 13,509 — — 13,509 Fair Value Measurements at December 31, 2017 Total Quoted Prices Significant Significant Other assets — trading interest rate caps (a) $ 129,718 $ — $ 129,718 $ — Due from affiliates — trading interest rate caps (a) 6,112 — 6,112 — Other assets — cash flow hedging interest rate swaps (a) 39,036 — 39,036 — Due from affiliates — cash flow hedging interest rate swaps (a) 6,950 — 6,950 — Other assets — trading interest rate swaps (a) 7,925 — 7,925 — Due from affiliates — trading interest rate swaps (a) 1,671 — 1,671 — Other assets —trading options for interest rate caps (a) 20,075 — 20,075 — Due from affiliates— trading options for interest rate caps (a) 12,090 — 12,090 — Other liabilities — trading options for interest rate caps (a) 129,712 — 129,712 — Due to affiliates — trading options for interest rate caps (a) 6,112 — 6,112 — Other liabilities — trading interest rate caps (a) 20,019 — 20,019 — Due to affiliates — trading interest rate caps (a) 12,090 — 12,090 — Retail installment contracts acquired individually (b) 22,124 — — 22,124 (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 reduces credit risk on derivatives by generally clearing interest rate swap transactions through either the Chicago Mercantile Exchange or London Clearinghouse. In adjusting the fair value of its derivative contracts for the effect of nonperformance risk, the Company has considered the impact of netting and any applicable credit enhancements, such as collateral postings and guarantees. The Company utilizes the exception in ASC 820-10-35-18D (commonly referred to as the “portfolio exception”) with respect to measuring counterparty credit risk for instruments (Note 8). (b) For certain retail installment contracts reported in finance receivables held for investment, net, the Company has elected the fair value option. The fair values of the retail installment contracts are estimated using a DCF model. When estimating the fair value using this model, the Company uses significant unobservable inputs on key assumptions, which includes historical default rates and adjustments to reflect prepayment rates based on available data from a comparable market securitization of similar assets, discount rates reflective of the cost of funding of debt issuance and recent historical equity yields, and recovery rates based on the average severity utilizing reported severity rates and loss severity utilizing available market data from a comparable securitized pool. Accordingly, retail installment contracts held for investment are classified as Level 3. Changes in the fair value are recorded in investment gains (losses), net in the consolidated statement of income.
Changes in Level 3 Balances, Assets	The following table presents the changes in retail installment contracts held for investment balances classified as Level 3 for the years ended December 31, 2018 , 2017 and 2016 : Year Ended December 31, 2018 December 31, 2017 December 31, 2016 Fair value, beginning of year $ 22,124 $ 24,495 $ 6,770 Additions / issuances 6,631 21,672 36,623 Net collection activities (16,755 ) (28,598 ) (18,850 ) Loans sold — — (48 ) Gains recognized in earnings 1,509 4,555 — Fair value, end of year $ 13,509 $ 22,124 $ 24,495
Change in Level 3 Balances, 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, 2017 and 2016 : Year Ended December 31, 2017 December 31, 2016 Fair value, beginning of year $ 30,618 $ 53,432 (Gains)/losses recognized in earnings 505 4,365 Settlements (31,123 ) (27,179 ) Fair value, end of year $ — $ 30,618
Assets and Liabilities Measured at Fair Value on Nonrecurring Basis	The following table presents the Company’s assets and liabilities that are measured at fair value on a nonrecurring basis at December 31, 2018 and 2017 , and are categorized using the fair value hierarchy: Fair Value Measurements at December 31, 2018 Total Quoted Prices Significant Significant Lower of cost or fair value expense for the year ended December 31, 2018 Other assets — vehicles (a) $ 342,097 $ — $ 342,097 $ — $ — Personal loans held for sale (b) 1,068,757 — — 1,068,757 367,219 Retail installment contracts held for sale (c) — — — — 15,098 Auto loans impaired due to bankruptcy (d) 189,114 — 189,114 — 93,277 Fair Value Measurements at December 31, 2017 Total Quoted Prices Significant Significant Lower of cost or fair value expense for the year ended December 31, 2017 Other assets — vehicles (a) $ 293,546 $ — $ 293,546 $ — $ — Personal loans held for sale (b) 1,062,089 — — 1,062,089 374,374 Retail installment contracts held for sale (c) 1,148,332 — — 1,148,332 11,686 Auto loans impaired die to bankruptcy (d) 121,578 — 121,578 — 75,194 ( a) 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. (b) The estimated fair value for personal loans held for sale is calculated based on the lower of market participant view and a DCF analysis in which the Company uses significant unobservable inputs on key assumptions, including historical default rates and adjustments to reflect prepayment rates (principal and interest), discount rates reflective of the cost of funding, and credit loss expectations. The lower of cost or fair value adjustment for personal loans held for sale includes customer default activity and adjustments related to the net change in the portfolio balance during the reporting period. (c) This pricing methodology includes consideration of significant unobservable inputs including investor return expectations (i.e., yield), expected lifetime cumulative net loss and weighted average life of the retail installment contracts. At December 31, 2017 , the estimated fair value was calculated based on a DCF analysis in which the Company used significant unobservable inputs on key assumptions, including expected default rates, prepayment rates, recovery rates, and discount rates reflective of the cost of funds and appropriate rate of returns. The change in methodology did not have a material impact on the fair value mark of the retail installments contacts held for sale. (d) For loans that are considered collateral-dependent, such as certain bankruptcy loans, impairment is measured based on the fair value of the collateral, less its estimated cost to sell. For the underlying collateral, the estimated fair value is obtained using historical auction rates and current market levels of used car prices.
Quantitative Information About Significant Unobservable Inputs for Assets Measured at Fair Value	The following table presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis at December 31, 2018 : Financial Instruments Fair Value at December 31, 2018 Valuation Technique Unobservable Inputs Range Financial Assets: Retail installment contracts held for investment 13,509 Discounted Cash Flow Discount Rate 8% - 10% Default Rate 15% - 20% Prepayment Rate 6% - 8% Loss Severity Rate 50% - 60% Personal loans held for sale 1,068,757 Lower of Market or Income Approach Market Approach Market Participant View 70% - 80% Income Approach Discount Rate 15% - 25% Default Rate 30% - 40% Net Principal & Interest Payment Rate 70% - 85% Loss Severity Rate 90% - 95% The following table presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis at December 31, 2017 : Financial Instruments Fair Value at December 31, 2017 Valuation Technique Unobservable Inputs Range Financial Assets: Retail installment contracts held for investment $22,124 Discounted Cash Flow Discount Rate 8% - 10% Default Rate 15% - 20% Prepayment Rate 6% - 8% Loss Severity Rate 50% - 60% Personal loans held for sale $1,062,089 Lower of Market or Income Approach Market Approach Market Participant View 70% - 80% Income Approach Discount Rate 15% - 20% Default Rate 30% - 40% Net Principal & Interest Payment Rate 70% - 85% Loss Severity Rate 90% - 95% Retail installment contracts held for sale $1,148,332 Discounted Cash Flow Discount Rate 3% - 6% Default Rate 3% - 4% Prepayment Rate 15% - 20% Loss Severity Rate 50% - 60%

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Summary of Stock Options and Related Activity	A summary of the Company’s stock options and related activity as of and for the year ended December 31, 2018 is as follows: Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term (Years) Aggregate Intrinsic Value Options outstanding at January 1, 2018 1,695,008 $ 12.39 4.7 $ 12,058 Exercised (863,811 ) 9.50 7,918 Expired (92,885 ) 23.27 Forfeited (92,936 ) 23.06 Options outstanding at December 31, 2018 645,376 $ 13.15 4.0 $ 3,682 Options exercisable at December 31, 2018 557,555 $ 12.07 3.7 $ 3,572 Options expected to vest at December 31, 2018 87,821 $ 20.03 5.6 110 A summary of the status and changes of the Company’s nonvested stock options as of and for the year ended December 31, 2018 , is presented below: Shares Weighted Average Grant Date Fair Value Non-vested at January 1, 2018 239,838 $ 7.29 Granted — — Vested (59,081 ) 7.33 Forfeited (92,936 ) 7.96 Non-vested at December 31, 2018 87,821 $ 6.55
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 to employees for the year ended December 31, 2016 . Assumption Risk-free interest rate 1.79% Expected life (in years) 6.5 Expected volatility 33% Dividend yield 3.69% Weighted average grant date fair value 3.14
Summary of Restricted Stock Units and Performance Stock Units and Related Activity	A summary of the Company’s Restricted Stock Units and performance stock units and related activity as of and for the year ended December 31, 2018 is as follows: Shares Weighted Weighted Aggregate Outstanding as of January 1, 2018 650,252 12.68 1.0 12,108 Granted 617,279 16.11 — — Vested (522,810 ) 14.18 — 8,616 Forfeited/canceled (45,922 ) 11.64 — — Unvested as of December 31, 2018 698,799 14.53 1.1 12,292

Shareholders' Equity (Tables)

Shareholders' Equity (Tables)	12 Months Ended
	Dec. 31, 2018
Equity [Abstract]
Schedule of Shares Purchased	The following table presents the number of shares purchased during the year ended December 31, 2018 , the average price paid per share and the dollar value of shares that may yet be purchased pursuant to the Company’s repurchase authorization. Period Total Number of Shares Purchased Average Price paid per Share Dollar Value of Shares That May Yet Be Purchased Under the Plans or Programs July 1 - July 31 — $ — $ 200,000 August 1 - August 31 1,359,893 20.63 171,945 September 1 - September 30 1,027,798 21.35 150,000 October 1 - October 31 — — 150,000 November 1 - November 30 3,571,100 19.07 81,890 December 1 - December 31 3,515,164 18.24 17,761 Total 9,473,955 $ 19.24
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, 2018 , 2017 , and 2016 is as follows: Unrealized gains (losses) on cash flow hedges Balance - January 1, 2016 $ 2,125 Other comprehensive income (loss) before reclassifications (gross) (1,324 ) Amounts (gross) reclassified out of accumulated other comprehensive income 27,458 Balance - December 31, 2016 28,259 Other comprehensive income (loss) before reclassifications (gross) 21,962 Amounts (gross) reclassified out of accumulated other comprehensive income (5,959 ) Balance - December 31, 2017 44,262 Other comprehensive income (loss) before reclassifications (gross) (a) 17,802 Amounts (gross) reclassified out of accumulated other comprehensive income (28,549 ) Balance - December 31, 2018 $ 33,515 (a) Includes impact of accumulated other comprehensive income reclassified to Retained earnings, primarily comprised of $6,149 as a result of the adoption of ASU 2018-02. Refer to Note 1 - “Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices” for further discussion.
Reclassification of Amounts Out of Accumulated Other Comprehensive Income (Loss)	Amounts (gross) reclassified out of accumulated other comprehensive income (loss) consist of the following: Year Ended December 31, 2018 Year Ended December 31, 2017 Year Ended December 31, 2016 Reclassification Amount reclassified Income statement line item Amount reclassified Income statement line item Amount reclassified Income statement line item Cash flow hedges $ (37,710 ) Interest Expense $ (6,060 ) Interest Expense $ 43,898 Interest Expense Tax expense (benefit) 9,161 101 (16,440 ) Net of tax $ (28,549 ) $ (5,959 ) $ 27,458

Investment Gains (Losses), Net

Investment Gains (Losses), Net (Tables)	12 Months Ended
	Dec. 31, 2018
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, 2018 , 2017 , and 2016 : For the Year Ended December 31, 2018 2017 2016 Gain (loss) on sale of loans and leases $ (22,250 ) $ 17,554 $ (11,549 ) Lower of cost or market adjustments (382,317 ) (386,060 ) (423,616 ) Other gains / (losses and impairments) 2,929 2,067 (9,594 ) $ (401,638 ) $ (366,439 ) $ (444,759 )

Quarterly Financial Data (una_2

Quarterly Financial Data (unaudited) (Tables)	12 Months Ended
	Dec. 31, 2018
Quarterly Financial Information Disclosure [Abstract]
Schedule of Quarterly Financial Results	The following is a summary of quarterly financial results: First Quarter Second Quarter Third Quarter Fourth Quarter Year Ended December 31, 2018 Total finance and other interest income $ 1,679,955 $ 1,757,397 $ 1,818,748 $ 1,877,418 Net finance and other interest income 1,080,244 1,123,109 1,144,089 1,138,560 Provision for credit losses 510,341 406,544 597,914 690,786 Income (loss) before income taxes 302,667 449,146 296,822 143,633 Net income (loss) 244,614 335,026 231,948 104,338 Net income (loss) per common share (basic) $ 0.68 $ 0.93 $ 0.64 $ 0.29 Net income (loss) per common share (diluted) $ 0.68 $ 0.93 $ 0.64 $ 0.29 Allowance for credit losses $ 3,320,821 $ 3,320,792 $ 3,305,186 $ 3,240,376 Finance receivables held for investment, net 22,551,646 24,057,164 24,839,583 25,117,454 Total assets 40,028,740 41,157,189 42,806,955 43,959,855 Total equity 6,713,532 7,033,636 7,141,215 7,018,358 Year Ended December 31, 2017 Total finance and other interest income $ 1,660,207 $ 1,658,554 $ 1,682,615 $ 1,652,589 Net finance and other interest income 1,142,947 1,126,959 1,092,360 1,045,452 Provision for credit losses 671,226 523,280 571,011 598,294 Income before income taxes 214,178 337,216 276,448 (23,833 ) Net income 138,891 257,898 198,569 577,449 Net income per common share (basic) $ 0.39 $ 0.72 $ 0.55 $ 1.60 Net income per common share (diluted) $ 0.39 $ 0.72 $ 0.55 $ 1.60 Allowance for credit losses $ 3,461,108 $ 3,487,247 $ 3,431,663 $ 3,352,818 Finance receivables held for investment, net 23,435,252 23,613,749 22,637,992 22,394,286 Total assets 39,054,690 39,489,340 38,746,090 39,402,799 Total equity 5,414,462 5,667,419 5,873,102 6,465,702

Description of Business, Basi_4

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Narrative (Details)	Dec. 31, 2018
SHUSA
Basis Of Presentation And Significant Accounting Policies [Line Items]
Ownership percentage held by third parties	69.70%
Other Shareholders
Basis Of Presentation And Significant Accounting Policies [Line Items]
Ownership percentage held by third parties	30.30%

Description of Business, Basi_5

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Impact of Error Correction on Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Assets
Finance receivables held for investment, net	$ 25,117,454	$ 24,839,583	$ 24,057,164	$ 22,551,646	$ 22,394,286	$ 22,637,992	$ 23,613,749	$ 23,435,252
Accrued interest receivable	303,686				340,618
Total assets	43,959,855	42,806,955	41,157,189	40,028,740	39,402,799	38,746,090	39,489,340	39,054,690
Liabilities and Equity
Deferred tax liabilities, net	1,155,883				892,415
Total liabilities	36,941,497				32,937,097
Total stockholders' equity	7,018,358	$ 7,141,215	$ 7,033,636	$ 6,713,532	6,465,702	$ 5,873,102	$ 5,667,419	$ 5,414,462	$ 5,238,619	$ 4,432,549
Total liabilities and equity	$ 43,959,855				39,402,799
Reported
Assets
Finance receivables held for investment, net					22,427,769
Accrued interest receivable					326,640
Total assets					39,422,304
Liabilities and Equity
Deferred tax liabilities, net					897,121
Total liabilities					32,941,803
Total stockholders' equity					6,480,501
Total liabilities and equity					39,422,304
Correction on Reporting of Required Minimum Payment Threshold and Treatment in Nonaccrual Designation and Cost Recovery Basis of Loans | Corrections
Assets
Finance receivables held for investment, net					(33,483)
Accrued interest receivable					13,978
Total assets					(19,505)
Liabilities and Equity
Deferred tax liabilities, net					(4,706)
Total liabilities					(4,706)
Total stockholders' equity					(14,799)
Total liabilities and equity					$ (19,505)

Description of Business, Basi_6

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Impact of Error Correction on Income Statement (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Interest on finance receivables and loans									$ 4,842,564	$ 4,845,623	$ 5,026,790
Provision for credit losses	$ 690,786	$ 597,914	$ 406,544	$ 510,341	$ 598,294	$ 571,011	$ 523,280	$ 671,226	2,205,585	2,363,811	2,468,200
Income (loss) before income taxes										804,009
Income tax expense (benefit)									276,342	(368,798)	394,245
Net income	$ 104,338	$ 231,948	$ 335,026	$ 244,614	$ 577,449	$ 198,569	$ 257,898	$ 138,891	$ 915,926	$ 1,172,807	$ 766,466
Net income (loss) per common share (basic) (in usd per share)	$ 0.29	$ 0.64	$ 0.93	$ 0.68	$ 1.60	$ 0.55	$ 0.72	$ 0.39	$ 2.55	$ 3.26	$ 2.14
Net income (loss) per common share (diluted) (in usd per share)	$ 0.29	$ 0.64	$ 0.93	$ 0.68	$ 1.60	$ 0.55	$ 0.72	$ 0.39	$ 2.54	$ 3.26	$ 2.13
Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Interest on finance receivables and loans										$ 4,755,678
Provision for credit losses										2,254,361
Income (loss) before income taxes										823,514
Income tax expense (benefit)										(364,092)
Net income										$ 1,187,606
Net income (loss) per common share (basic) (in usd per share)										$ 3.30
Net income (loss) per common share (diluted) (in usd per share)										$ 3.30
Correction on Reporting of Required Minimum Payment Threshold and Treatment in Nonaccrual Designation and Cost Recovery Basis of Loans | Corrections
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Interest on finance receivables and loans										$ 89,945
Provision for credit losses										109,450
Income (loss) before income taxes										(19,505)
Income tax expense (benefit)										(4,706)
Net income										$ (14,799)
Net income (loss) per common share (basic) (in usd per share)										$ (0.04)
Net income (loss) per common share (diluted) (in usd per share)										$ (0.04)

Description of Business, Basi_7

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Impact of Error Correction on Cash Flows Statement (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net cash provided by operating activities	$ 6,244,869	$ 3,941,346	$ 4,473,117
Net cash used in investing activities	$ (10,415,788)	(3,590,333)	$ (4,742,381)
Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net cash provided by operating activities		3,865,378
Net cash used in investing activities		(3,514,365)
Correction on Reporting of Required Minimum Payment Threshold and Treatment in Nonaccrual Designation and Cost Recovery Basis of Loans | Corrections
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net cash provided by operating activities		75,968
Net cash used in investing activities		$ (75,968)

Description of Business, Basi_8

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Impact of Error Correction on Credit Loss Allowance and Credit Quality (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Error Corrections and Prior Period Adjustments Restatement [Line Items]
TDR - Unpaid principal balance		$ 6,314,035
TDR - Impairment		$ 1,804,132
TDR allowance ratio (as a percent)		28.60%
Nonaccrual loans TDRs		$ 806,938
Principal, 30-59 days past due		2,958,195
Delinquent principal over 59 days		1,645,789
Total delinquent principal	$ 4,835,570	4,603,984
Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
TDR - Unpaid principal balance		6,261,894
TDR - Impairment		$ 1,731,320
TDR allowance ratio (as a percent)		27.60%
Nonaccrual loans TDRs		$ 1,390,373
Principal, 30-59 days past due		2,827,678
Delinquent principal over 59 days		1,544,583
Total delinquent principal		4,372,261
Correction on Reporting of Required Minimum Payment Threshold and Treatment in Nonaccrual Designation and Cost Recovery Basis of Loans | Corrections
Error Corrections and Prior Period Adjustments Restatement [Line Items]
TDR - Unpaid principal balance		52,141
TDR - Impairment		$ 72,812
TDR allowance ratio (as a percent)		1.00%
Nonaccrual loans TDRs		$ (583,435)
Principal, 30-59 days past due		130,517
Delinquent principal over 59 days		101,206
Total delinquent principal		$ 231,723

Description of Business, Basi_9

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Business Segment Information (Details)	12 Months Ended
	Dec. 31, 2018segment
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of reportable segments	1

Description of Business, Bas_10

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Retail Installment Contracts (Details)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable Disclosure [Line Items]
Loan origination, required minimum payment, percentage of scheduled payment	90.00%
Retail Installment Contracts
Loans and Leases Receivable Disclosure [Line Items]
Threshold period past due for nonaccrual state of financing receivables	60 days
Loan origination, required minimum payment, percentage of scheduled payment	90.00%
Retail Installment Contracts | Minimum
Loans and Leases Receivable Disclosure [Line Items]
Weighted average prepayment rate	5.70%	6.10%
Retail Installment Contracts | Maximum
Loans and Leases Receivable Disclosure [Line Items]
Weighted average prepayment rate	10.80%	10.40%

Description of Business, Bas_11

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Personal Loans, Net (Details)	12 Months Ended
	Dec. 31, 2018
Revolving Unsecured Consumer Loans, Net
Loans and Leases Receivable Disclosure [Line Items]
Threshold period past due for nonaccrual state of financing receivables	60 days
Amortizing Unsecured Consumer Loans, Net
Loans and Leases Receivable Disclosure [Line Items]
Threshold period past due for nonaccrual state of financing receivables	180 days

Description of Business, Bas_12

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Provision for Credit Losses (Details)	12 Months Ended
	Dec. 31, 2018
Retail Installment Contracts
Financing Receivable, Allowance for Credit Losses [Line Items]
Period for loans to become contractually delinquent	120 days
Term Unsecured Consumer Loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Period for loans to become contractually delinquent	120 days
Revolving Unsecured Consumer Loans, Net
Financing Receivable, Allowance for Credit Losses [Line Items]
Period for loans to become contractually delinquent	180 days

Description of Business, Bas_13

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Troubled Debt Restructurings (Details)	12 Months Ended
	Dec. 31, 2018
Organization, Consolidation and Presentation of Financial Statements [Abstract]
TDRs, deferral period (or more)	90 days

Description of Business, Bas_14

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Leased Vehicles, Net (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Lease, period to be considered delinquent	60 days
Operating lease impairment	$ 0	$ 0	$ 0

Description of Business, Bas_15

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Repossessed Vehicles and Repossession Expense (Details)	12 Months Ended
	Dec. 31, 2018
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Inventory repossession period	60 days

Description of Business, Bas_16

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Furniture and Equipment (Details) - Furniture and Equipment - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Property, Plant and Equipment [Line Items]
Depreciation and amortization	$ 18,785	$ 17,682	$ 16,357
Minimum
Property, Plant and Equipment [Line Items]
Furniture and equipment, useful life	3 years
Maximum
Property, Plant and Equipment [Line Items]
Furniture and equipment, useful life	10 years

Description of Business, Bas_17

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Recently Adopted Accounting Standards (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)
Accumulated Other Comprehensive Income (Loss)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Stranded income tax benefits	$ 6,149
Retained Earnings
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Stranded income tax benefits	$ (6,149)

Description of Business, Bas_18

Description of Business, Basis of Presentation, and Significant Accounting Policies and Practices - Recent Accounting Pronouncements (Details) - ASU 2016-02 - Subsequent Event $ in Millions	Jan. 01, 2019USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Right of use asset	$ 90
Lease liabilities	$ 90

Finance Receivables - Finance R

Finance Receivables - Finance Receivables Held for Investment, Net (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Purchased receivables	$ 19,235	$ 27,839
Capital lease receivables (Note 3)	16,137	17,339
Finance receivables held for investment, net	25,117,454	22,394,286		$ 24,839,583	$ 24,057,164	$ 22,551,646	$ 22,637,992	$ 23,613,749	$ 23,435,252
Retail installment contracts acquired individually at fair value	13,509	22,124
Purchase of finance receivables	282,305	292,891	$ 568,009
Retail installment contracts acquired individually
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	25,065,511	22,329,026
Purchase of finance receivables	67,249
Financing receivable, net	74,086
Receivables from dealers
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	14,557	15,623
Financing receivable, net	14,710	15,787
Personal loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	$ 2,014	$ 4,459

Finance Receivables - Held for

Finance Receivables - Held for Investment Portfolio (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Retail Installment Contracts Acquired Individually
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	$ 25,065,511	$ 22,329,026
Retail Installment Contracts Acquired Individually | Non- TDR
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	21,139,536	17,888,214
Retail Installment Contracts Acquired Individually | TDR
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	3,925,975	4,440,812
Retail Installment Contracts Acquired Individually | Unpaid principal balance | Non- TDR
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	23,054,157	19,679,082
Retail Installment Contracts Acquired Individually | Unpaid principal balance | TDR
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	5,378,603	6,314,035
Retail Installment Contracts Acquired Individually | Credit loss allowance - specific | Non- TDR
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	0	0
Retail Installment Contracts Acquired Individually | Credit loss allowance - specific | TDR
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	(1,416,743)	(1,804,132)
Retail Installment Contracts Acquired Individually | Credit loss allowance - collective | Non- TDR
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	(1,819,360)	(1,540,315)
Retail Installment Contracts Acquired Individually | Credit loss allowance - collective | TDR
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	0	0
Retail Installment Contracts Acquired Individually | Discount | Non- TDR
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	(172,659)	(309,191)
Retail Installment Contracts Acquired Individually | Discount | TDR
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	(40,333)	(74,832)
Retail Installment Contracts Acquired Individually | Capitalized origination costs and fees | Non- TDR
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	77,398	58,638
Retail Installment Contracts Acquired Individually | Capitalized origination costs and fees | TDR
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	4,448	5,741
Receivables from Dealers
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	14,557	15,623
Receivables from Dealers | Unpaid principal balance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	14,710	15,787
Receivables from Dealers | Credit loss allowance - specific
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	0	0
Receivables from Dealers | Credit loss allowance - collective
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	(153)	(164)
Receivables from Dealers | Discount
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	0	0
Receivables from Dealers | Capitalized origination costs and fees
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	0	0
Personal Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	2,014	4,459
Personal Loans | Unpaid principal balance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	2,637	6,887
Personal Loans | Credit loss allowance - specific
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	0	0
Personal Loans | Credit loss allowance - collective
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	(761)	(2,565)
Personal Loans | Discount
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	0	(1)
Personal Loans | Capitalized origination costs and fees
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment, net	$ 138	$ 138

Finance Receivables - Retail In

Finance Receivables - Retail Installment Contracts, Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivable, unpaid principal balance		$ 6,314,035
Loan originations	$ 282,305	292,891	$ 568,009
Texas
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment (as a percent)	17.00%
Florida
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment (as a percent)	11.00%
California
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment (as a percent)	9.00%
Georgia
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment (as a percent)	6.00%
Other States (less than 5%)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail installment contracts held for investment (as a percent)	5.00%
Chrysler Capital Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan originations	$ 7,927,597	6,713,239
Chrysler Capital Loans | Retail Installment Contracts | Automobile Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable	$ 8,977,284	$ 8,249,803
Chrysler Capital Loans | Credit Concentration Risk | Accounts Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of loan origination	46.00%	47.00%
Chrysler Capital Leases | Credit Concentration Risk | Accounts Receivable | Automobile Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of loan origination	36.00%	37.00%
Fleet Contract Receivables
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivable, unpaid principal balance	$ 537,922	$ 641,158

Finance Receivables - Finance_2

Finance Receivables - Finance Receivables Held for Investment with Deteriorated Credit Quality (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Receivables [Abstract]
Outstanding balance	$ 30,631	$ 43,474
Outstanding recorded investment, net of impairment	$ 19,390	$ 28,069

Finance Receivables - Purchased

Finance Receivables - Purchased Receivables, Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonperforming loans, period for classification	60 days
Retail Installment Contracts Portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonperforming loans, period for classification	60 days
Retail Installment Contracts Portfolio | Unpaid Principal Balance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unpaid principal balance of loans recognized	$ 213,973	$ 290,613	$ 466,050
Receivables Acquired with Deteriorated Credit Quality
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable	$ 99,301

Finance Receivables - Changes i

Finance Receivables - Changes in Accretable Yield on Purchased Receivables Portfolios (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Balance — beginning of year	$ 19,464	$ 107,041	$ 178,582
Accretion of accretable yield	(8,569)	(30,129)	(69,701)
Disposals/transfers	0	(62,183)	0
Reclassifications from nonaccretable difference	7,250	4,735	(1,840)
Balance — end of year	$ 18,145	$ 19,464	$ 107,041

Finance Receivables - Receivabl

Finance Receivables - Receivable from Dealers, Narrative (Details)	Dec. 31, 2018
Virginia
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of remaining receivable from dealers held for investment	64.00%
New York
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of remaining receivable from dealers held for investment	27.00%
Missouri
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of remaining receivable from dealers held for investment	9.00%

Finance Receivables - Carrying

Finance Receivables - Carrying Value of Financing Receivables Held For Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total assets held for sale	$ 1,068,757	$ 2,210,421
Retail installment contracts acquired individually
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total assets held for sale	0	1,148,332
Personal loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total assets held for sale	$ 1,068,757	$ 1,062,089

Finance Receivables - Sales of

Finance Receivables - Sales of Retail Installment Contracts and Charged-off Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Receivables [Abstract]
Sale of retail installment contracts to third parties	$ 0	$ 260,568	$ 3,694,019
Sale of retail installment contracts to affiliates	2,905,922	2,583,341	0
Proceeds from sales of charged-off assets	$ 55,902	$ 93,619	$ 64,847

Leases - Summary of Leased Vehi

Leases - Summary of Leased Vehicles (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Leases [Abstract]
Leased vehicles	$ 18,737,338	$ 14,285,769
Less: accumulated depreciation	(3,518,025)	(3,110,167)
Depreciated net capitalized cost	15,219,313	11,175,602
Manufacturer subvention payments, net of accretion	(1,307,424)	(1,042,477)
Origination fees and other costs	66,966	27,202
Depreciated net capitalized cost	$ 13,978,855	$ 10,160,327

Leases - Future Minimum Rental

Leases - Future Minimum Rental Payments Due to Lessor under Operating Leases (Details) $ in Thousands	Dec. 31, 2018USD ($)
Operating Leases, Future Minimum Payments Receivable [Abstract]
2,019	$ 2,298,849
2,020	1,639,351
2,021	588,327
2,022	26,824
Thereafter	0
Total	$ 4,553,351

Leases - Summary of Capital Lea

Leases - Summary of Capital Lease Receivables (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Leases [Abstract]
Gross investment in capital leases	$ 23,809	$ 27,234
Origination fees and other	152	124
Less unearned income	(4,465)	(4,377)
Net investment in capital leases before allowance	19,496	22,981
Less: allowance for lease losses	(3,359)	(5,642)
Net investment in capital leases	$ 16,137	$ 17,339

Leases - Future Minimum Renta_2

Leases - Future Minimum Rental Receivable under Capital Leases (Details) $ in Thousands	Dec. 31, 2018USD ($)
Capital Leases, Future Minimum Payments Receivable [Abstract]
2,019	$ 7,296
2,020	6,288
2,021	5,057
2,022	3,611
Thereafter	1,557
Total	$ 23,809

Credit Loss Allowance and Cre_3

Credit Loss Allowance and Credit Quality - Activity in Credit Loss Allowance (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	$ 3,352,818,000
Balance — end of year	3,240,376,000	$ 3,352,818,000
Retail Installment Contracts Acquired Individually
Allowance for Loan and Lease Losses [Roll Forward]
Write-down of loans for which a bankruptcy notice was received	18,000,000	75,000,000	$ 0
Receivables from Dealers
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	164,000	724,000	916,000
Provision for credit losses	(11,000)	(560,000)	201,000
Charge-offs	0	0	(393,000)
Recoveries	0	0	0
Balance — end of year	153,000	164,000	724,000
Personal Loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	2,565,000	0
Provision for credit losses	(188,000)	10,691,000
Charge-offs	(2,546,000)	(8,945,000)
Recoveries	930,000	819,000
Balance — end of year	761,000	2,565,000	0
Capital Leases
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	5,642,000	9,988,000	19,878,000
Provision for credit losses	(641,000)	48,000	(506,000)
Charge-offs	(6,545,000)	(11,069,000)	(33,476,000)
Recoveries	4,903,000	6,675,000	24,092,000
Balance — end of year	3,359,000	5,642,000	9,988,000
Non- TDR | Retail Installment Contracts Acquired Individually
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	1,540,315,000	1,799,760,000	1,834,391,000
Provision for credit losses	1,433,977,000	877,771,000	1,300,921,000
Charge-offs	(2,850,361,000)	(2,758,023,000)	(3,109,895,000)
Recoveries	1,695,429,000	1,620,807,000	1,774,343,000
Balance — end of year	1,819,360,000	1,540,315,000	1,799,760,000
TDR | Retail Installment Contracts Acquired Individually
Allowance for Loan and Lease Losses [Roll Forward]
Balance — beginning of year	1,804,132,000	1,611,295,000	1,363,023,000
Provision for credit losses	772,448,000	1,475,861,000	1,170,569,000
Charge-offs	(2,029,325,000)	(2,064,331,000)	(1,613,754,000)
Recoveries	869,488,000	781,307,000	691,457,000
Balance — end of year	$ 1,416,743,000	$ 1,804,132,000	$ 1,611,295,000

Credit Loss Allowance and Cre_4

Credit Loss Allowance and Credit Quality - Delinquencies, Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, nonperforming loans, period for classification	60 days
Loan origination, required minimum payment, percentage of scheduled payment	90.00%
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
Personal Loans | Consumer Portfolio Segment | Unfunded Loan Commitment | Unpaid Principal Balance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, recorded investment, 90 days past due and still accruing	129,227,000	130,034,000
Retail installment contracts held for sale
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, recorded investment, past due	$ 0	$ 1,701,000

Credit Loss Allowance and Cre_5

Credit Loss Allowance and Credit Quality - Summary of Delinquencies (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Principal, 30-59 days past due	$ 3,121,795	$ 2,958,195
Delinquent principal over 59 days	1,713,775	1,645,789
Total delinquent principal	4,835,570	4,603,984
Loans Acquired Individually
Financing Receivable, Recorded Investment, Past Due [Line Items]
Principal, 30-59 days past due	3,118,869	2,953,203
Delinquent principal over 59 days	1,712,243	1,642,934
Total delinquent principal	4,831,112	4,596,137
Purchased Receivables Portfolios
Financing Receivable, Recorded Investment, Past Due [Line Items]
Principal, 30-59 days past due	2,926	4,992
Delinquent principal over 59 days	1,532	2,855
Total delinquent principal	$ 4,458	$ 7,847

Credit Loss Allowance and Cre_6

Credit Loss Allowance and Credit Quality - Nonaccrual Status (Details) - Retail Installment Contracts Acquired Individually, Held For Investment - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual principal	$ 1,568,139	$ 1,498,194
Percent	5.50%	5.80%
Non- TDR
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual principal	$ 834,921	$ 691,256
Percent	2.90%	2.70%
TDR
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual principal	$ 733,218	$ 806,938
Percent	2.60%	3.10%

Credit Loss Allowance and Cre_7

Credit Loss Allowance and Credit Quality - Credit Risk Profile (Details) - Retail installment contracts held for investment	Dec. 31, 2018	Dec. 31, 2017
Commercial Portfolio Segment | No FICO Score
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total	1.90%	2.50%
Consumer Portfolio Segment | No FICO Score
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total	11.00%	11.20%
Consumer Portfolio Segment | FICO Band Less Than 540
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total	19.80%	21.90%
Consumer Portfolio Segment | FICO Band 540-599
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total	32.90%	32.00%
Consumer Portfolio Segment | FICO Band 600-639
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total	18.20%	17.30%
Consumer Portfolio Segment | FICO Band Greater Than 640
Financing Receivable Recorded Investment [Line Items]
Finance receivable, percentage of total	16.20%	15.10%

Credit Loss Allowance and Cre_8

Credit Loss Allowance and Credit Quality - Commercial Loan Credit Quality Indicators for Receivables from Dealers Held for Investment (Details) - Receivables from Dealers Held for Investments - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable Recorded Investment [Line Items]
Financing receivable	$ 14,710	$ 15,787
Pass
Financing Receivable Recorded Investment [Line Items]
Financing receivable	14,710	14,130
Special Mention
Financing Receivable Recorded Investment [Line Items]
Financing receivable	0	1,657
Substandard
Financing Receivable Recorded Investment [Line Items]
Financing receivable	0	0
Doubtful
Financing Receivable Recorded Investment [Line Items]
Financing receivable	0	0
Loss
Financing Receivable Recorded Investment [Line Items]
Financing receivable	$ 0	$ 0

Credit Loss Allowance and Cre_9

Credit Loss Allowance and Credit Quality - Troubled Debt Restructurings, Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Modifications [Line Items]
TDRs, deferral period (or more)	90 days
Retail Installment Contracts
Financing Receivable, Modifications [Line Items]
Threshold period past due for nonaccrual state of financing receivables	60 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	$ 0
Retail Installment Contracts
Financing Receivable, Modifications [Line Items]
TDRs, number of days past due considered subsequently defaulted	120 days
Personal Loans
Financing Receivable, Modifications [Line Items]
TDRs, number of days past due considered subsequently defaulted	180 days

Credit Loss Allowance and Cr_10

Credit Loss Allowance and Credit Quality - Loans Modified in TDRs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Modifications [Line Items]
Impairment		$ (1,804,132)
Retail Installment Contracts
Financing Receivable, Modifications [Line Items]
Outstanding recorded investment	$ 5,365,477	6,328,159
Impairment	(1,416,743)	(1,804,132)
Outstanding recorded investment, net of impairment	3,948,734	4,524,027
Retail Installment Contracts | Collateral Dependent
Financing Receivable, Modifications [Line Items]
Outstanding recorded investment	90,100	64,700
TDR write down	$ 36,400	$ 29,200

Credit Loss Allowance and Cr_11

Credit Loss Allowance and Credit Quality - Delinquent TDRs (Details) - Retail Installment Contracts - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Troubled Debt Restructuring Debtor Current Period [Line Items]
Principal, 31-60 days past due	$ 1,265,946	$ 1,422,101
Delinquent principal over 60 days	810,589	893,708
Total delinquent TDR principal	$ 2,076,535	$ 2,315,809

Credit Loss Allowance and Cr_12

Credit Loss Allowance and Credit Quality - Average Recorded Investment and Income Recognized on TDR Loans (Details) - Retail Installment Contracts - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Financing Receivable, Modifications [Line Items]
Average outstanding recorded investment in TDRs	$ 5,970,789	$ 6,069,442	$ 5,079,782
Interest income recognized	$ 1,035,783	$ 1,037,159	$ 802,048

Credit Loss Allowance and Cr_13

Credit Loss Allowance and Credit Quality - Financial Effects of TDRs (Details) - Retail Installment Contracts $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)contract	Dec. 31, 2017USD ($)contract	Dec. 31, 2016USD ($)contract
Financing Receivable, Modifications [Line Items]
Outstanding recorded investment before TDR	$ 2,226,775	$ 3,547,456	$ 3,394,308
Outstanding recorded investment after TDR	$ 2,236,262	$ 3,541,968	$ 3,419,990
Number of contracts | contract	132,633	204,775	191,385

Credit Loss Allowance and Cr_14

Credit Loss Allowance and Credit Quality - Defaults in Loan Modifications Accounted as TDRs (Details) - Retail Installment Contracts $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)contract	Dec. 31, 2017USD ($)contract	Dec. 31, 2016USD ($)contract
Financing Receivable, Modifications [Line Items]
Recorded investment in TDRs that subsequently defaulted | $	$ 682,348	$ 820,765	$ 788,933
Number of contracts | contract	40,149	46,600	44,972

Goodwill and Intangibles - Narr

Goodwill and Intangibles - Narrative (Details)	12 Months Ended
	Dec. 31, 2018USD ($)segment	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
Number of operating segments | segment	1
Number of reportable segments | segment	1
Goodwill	$ 74,056,000	$ 74,056,000	$ 74,056,000
Goodwill amortization deductible for tax purposes	5,463,000	5,463,000	5,463,000
Impairment of intangible assets	0	0	0
Amortization expense	$ 9,122,000	$ 9,240,000	$ 8,411,000
Weighted average useful life of amortizing intangible assets	6 years 7 months 6 days	8 years 1 month 6 days	8 years 6 months

Goodwill and Intangibles - Comp

Goodwill and Intangibles - Components of Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Acquired Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 80,519	$ 66,350
Accumulated Amortization	(45,324)	(36,616)
Net Carrying Value	$ 35,195	$ 29,734
Customer relationships
Acquired Finite-Lived Intangible Assets [Line Items]
Useful Life	10 years	10 years
Gross Carrying Amount	$ 12,400	$ 12,400
Accumulated Amortization	(12,400)	(11,883)
Net Carrying Value	$ 0	$ 517
Software and technology
Acquired Finite-Lived Intangible Assets [Line Items]
Useful Life	3 years	3 years
Gross Carrying Amount	$ 47,772	$ 33,603
Accumulated Amortization	(27,277)	(20,286)
Net Carrying Value	20,495	13,317
Trademarks
Acquired Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	20,347	20,347
Accumulated Amortization	(5,647)	(4,447)
Net Carrying Value	$ 14,700	$ 15,900
Trademarks | Minimum
Acquired Finite-Lived Intangible Assets [Line Items]
Useful Life	3 years	3 years
Trademarks | Maximum
Acquired Finite-Lived Intangible Assets [Line Items]
Useful Life	15 years	15 years

Goodwill and Intangibles - Sche

Goodwill and Intangibles - Schedule of Estimated Future Amortization Expense (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]
2,019	$ 10,380
2,020	7,922
2,021	5,817
2,022	1,200
2023 and thereafter	9,876
Net Carrying Value	$ 35,195	$ 29,734

Debt - Schedule of Credit Facil

Debt - Schedule of Credit Facilities (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Line of Credit Facility [Line Items]
Utilized Balance	$ 4,478,214,000	$ 4,848,316,000
Committed Amount	3,500,000,000
Total revolving credit facilities
Line of Credit Facility [Line Items]
Utilized Balance	7,978,214,000	8,598,316,000
Committed Amount	17,348,945,000	18,444,483,000
Assets Pledged	6,041,896,000	6,703,767,000
Restricted Cash Pledged	5,810,000	132,024,000
Total facilities with third parties
Line of Credit Facility [Line Items]
Utilized Balance	4,478,214,000	4,848,316,000
Committed Amount	10,348,945,000	10,694,483,000
Assets Pledged	6,041,896,000	6,703,767,000
Restricted Cash Pledged	5,810,000	132,024,000
Warehouse line, due August 2019
Line of Credit Facility [Line Items]
Utilized Balance	53,584,000	2,044,843,000
Committed Amount	$ 500,000,000	$ 3,900,000,000
Effective Rate	8.34%	2.96%
Assets Pledged	$ 78,790,000	$ 2,929,890,000
Restricted Cash Pledged	0	53,639,000
Warehouse line, due Various
Line of Credit Facility [Line Items]
Utilized Balance	314,845,000	339,145,000
Committed Amount	$ 1,250,000,000	$ 1,250,000,000
Effective Rate	4.83%	2.53%
Assets Pledged	$ 458,390,000	$ 461,353,000
Restricted Cash Pledged	0	12,645,000
Warehouse line, due August 2020
Line of Credit Facility [Line Items]
Utilized Balance	2,154,243,000
Committed Amount	$ 4,400,000,000
Effective Rate	3.79%
Assets Pledged	$ 2,859,113,000
Restricted Cash Pledged	4,831,000
Warehouse line, due October 2020
Line of Credit Facility [Line Items]
Utilized Balance	242,377,000
Committed Amount	$ 2,050,000,000
Effective Rate	5.94%
Assets Pledged	$ 345,599,000
Restricted Cash Pledged	120,000
Repurchase facility, due April 2019
Line of Credit Facility [Line Items]
Utilized Balance	167,118,000
Committed Amount	$ 167,118,000
Effective Rate	3.84%
Assets Pledged	$ 235,540,000
Restricted Cash Pledged	0
Repurchase facility, due March 2019
Line of Credit Facility [Line Items]
Utilized Balance	131,827,000
Committed Amount	$ 131,827,000
Effective Rate	3.54%
Assets Pledged	$ 166,308,000
Restricted Cash Pledged	$ 0
Debt term	1 year
Warehouse line, due November 2020
Line of Credit Facility [Line Items]
Utilized Balance	$ 1,000,000,000
Committed Amount	$ 1,000,000,000
Effective Rate	3.32%
Assets Pledged	$ 1,430,524,000
Restricted Cash Pledged	6,000
Warehouse line due November 2020
Line of Credit Facility [Line Items]
Utilized Balance	317,020,000
Committed Amount	$ 500,000,000
Effective Rate	3.53%
Assets Pledged	$ 359,214,000
Restricted Cash Pledged	525,000
Warehouse line due October 2019
Line of Credit Facility [Line Items]
Utilized Balance	97,200,000	226,577,000
Committed Amount	$ 350,000,000	$ 1,800,000,000
Effective Rate	4.35%	4.95%
Assets Pledged	$ 108,418,000	$ 311,336,000
Restricted Cash Pledged	328,000	6,772,000
Warehouse line, due January 2018
Line of Credit Facility [Line Items]
Utilized Balance		336,484,000
Committed Amount		$ 500,000,000
Effective Rate		2.87%
Assets Pledged		$ 473,208,000
Restricted Cash Pledged		0
Warehouse line due December 2018
Line of Credit Facility [Line Items]
Utilized Balance		0
Committed Amount		$ 300,000,000
Effective Rate		1.49%
Assets Pledged		$ 0
Restricted Cash Pledged		0
Repurchase facility, due on Various
Line of Credit Facility [Line Items]
Utilized Balance		325,775,000
Committed Amount		$ 325,775,000
Effective Rate		3.24%
Assets Pledged		$ 474,188,000
Restricted Cash Pledged		13,842,000
Repurchase facility, due April 2018
Line of Credit Facility [Line Items]
Utilized Balance		202,311,000
Committed Amount		$ 202,311,000
Effective Rate		2.67%
Assets Pledged		$ 264,120,000
Restricted Cash Pledged		0
Repurchase facility, due March 2018
Line of Credit Facility [Line Items]
Utilized Balance		147,500,000
Committed Amount		$ 147,500,000
Effective Rate		3.91%
Assets Pledged		$ 222,108,000
Restricted Cash Pledged		0
Repurchase facility, due March 2018
Line of Credit Facility [Line Items]
Utilized Balance		68,897,000
Committed Amount		$ 68,897,000
Effective Rate		3.04%
Assets Pledged		$ 95,762,000
Restricted Cash Pledged		0
Warehouse line, due November 2019
Line of Credit Facility [Line Items]
Utilized Balance		403,999,000
Committed Amount		$ 1,000,000,000
Effective Rate		2.66%
Assets Pledged		$ 546,782,000
Restricted Cash Pledged		14,729,000
Warehouse line, due October 2019
Line of Credit Facility [Line Items]
Utilized Balance		81,865,000
Committed Amount		$ 400,000,000
Effective Rate		4.09%
Assets Pledged		$ 114,021,000
Restricted Cash Pledged		3,057,000
Warehouse line, due November 2019
Line of Credit Facility [Line Items]
Utilized Balance		435,220,000
Committed Amount		$ 500,000,000
Effective Rate		1.92%
Assets Pledged		$ 521,365,000
Restricted Cash Pledged		16,866,000
Warehouse line, due October 2018
Line of Credit Facility [Line Items]
Utilized Balance		235,700,000
Committed Amount		$ 300,000,000
Effective Rate		2.84%
Assets Pledged		$ 289,634,000
Restricted Cash Pledged		10,474,000
Total facilities with Santander and related subsidiaries
Line of Credit Facility [Line Items]
Utilized Balance	3,500,000,000	3,750,000,000
Committed Amount	7,000,000,000	7,750,000,000
Assets Pledged	0	0
Restricted Cash Pledged	0	0
Promissory Note, due December 2022
Line of Credit Facility [Line Items]
Utilized Balance	250,000,000	250,000,000
Committed Amount	$ 250,000,000	$ 250,000,000
Effective Rate	3.95%	3.95%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	0	0
Promissory Note, due December 2021
Line of Credit Facility [Line Items]
Utilized Balance	250,000,000	250,000,000
Committed Amount	$ 250,000,000	$ 250,000,000
Effective Rate	3.70%	3.70%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	0	0
Promissory Note, due December 2023
Line of Credit Facility [Line Items]
Utilized Balance	250,000,000
Committed Amount	$ 250,000,000
Effective Rate	5.25%
Assets Pledged	$ 0
Restricted Cash Pledged	0
Promissory Note, due December 2022
Line of Credit Facility [Line Items]
Utilized Balance	250,000,000
Committed Amount	$ 250,000,000
Effective Rate	5.00%
Assets Pledged	$ 0
Restricted Cash Pledged	0
Promissory Note, due March 2019
Line of Credit Facility [Line Items]
Utilized Balance	300,000,000	300,000,000
Committed Amount	$ 300,000,000	$ 300,000,000
Effective Rate	4.09%	2.67%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	0	0
Promissory Note, due October 2020
Line of Credit Facility [Line Items]
Utilized Balance	400,000,000	400,000,000
Committed Amount	$ 400,000,000	$ 400,000,000
Effective Rate	3.10%	3.10%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	0	0
Promissory Note, due May 2020
Line of Credit Facility [Line Items]
Utilized Balance	500,000,000	500,000,000
Committed Amount	$ 500,000,000	$ 500,000,000
Effective Rate	3.49%	3.49%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	0	0
Promissory Note, due March 2022
Line of Credit Facility [Line Items]
Utilized Balance	650,000,000	650,000,000
Committed Amount	$ 650,000,000	$ 650,000,000
Effective Rate	4.20%	4.20%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	0	0
Fair value hedge adjustment	3,200,000	4,200,000
Promissory Note, due August 2021
Line of Credit Facility [Line Items]
Utilized Balance	650,000,000	650,000,000
Committed Amount	$ 650,000,000	$ 650,000,000
Effective Rate	3.38%	3.44%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	0	0
Line of Credit, due July 2021
Line of Credit Facility [Line Items]
Utilized Balance	0
Committed Amount	$ 500,000,000
Effective Rate	4.34%
Assets Pledged	$ 0
Restricted Cash Pledged	0
Line of Credit, due March 2019
Line of Credit Facility [Line Items]
Utilized Balance	0	0
Committed Amount	$ 3,000,000,000	$ 3,000,000,000
Effective Rate	4.97%	3.94%
Assets Pledged	$ 0	$ 0
Restricted Cash Pledged	$ 0	0
Line of Credit, due December 2018
Line of Credit Facility [Line Items]
Utilized Balance		0
Committed Amount		$ 1,000,000,000
Effective Rate		3.09%
Assets Pledged		$ 0
Restricted Cash Pledged		0
Line of Credit, due December 2018
Line of Credit Facility [Line Items]
Utilized Balance		750,000,000
Committed Amount		$ 750,000,000
Effective Rate		1.33%
Assets Pledged		$ 0
Restricted Cash Pledged		$ 0

Debt - Facilities with Santande

Debt - Facilities with Santander and Related Subsidiaries, Narrative (Details) - USD ($)	Dec. 31, 2018	Dec. 31, 2017
Line of Credit Facility [Line Items]
Committed amount	$ 3,500,000,000
Revolving credit facilities
Line of Credit Facility [Line Items]
Committed amount	17,348,945,000	$ 18,444,483,000
Total facilities with Santander and related subsidiaries | Secured Debt | Revolving credit facilities
Line of Credit Facility [Line Items]
Committed amount	$ 3,500,000,000

Debt - Summary of Secured Struc

Debt - Summary of Secured Structured Financings (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Debt Instrument [Line Items]
Balance	$ 26,901,530	$ 22,557,895
Secured Structured Financings
Debt Instrument [Line Items]
Balance	26,901,530	22,557,895
Initial Note Amounts Issued (d)	52,686,320	49,078,924
Collateral	35,296,170	29,106,279
Restricted Cash	1,576,915	1,847,759
Secured Structured Financings | Public securitizations
Debt Instrument [Line Items]
Balance	19,225,179	14,993,258
Initial Note Amounts Issued (d)	41,380,952	36,800,642
Collateral	24,912,904	19,873,621
Restricted Cash	1,541,714	1,470,459
Secured Structured Financings | 2013 Securitizations
Debt Instrument [Line Items]
Balance		418,806
Initial Note Amounts Issued (d)		4,239,700
Collateral		544,948
Restricted Cash		$ 125,696
Secured Structured Financings | 2013 Securitizations | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate		0.89%
Secured Structured Financings | 2013 Securitizations | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate		1.59%
Secured Structured Financings | 2014 Securitizations
Debt Instrument [Line Items]
Balance	246,989	$ 1,150,422
Initial Note Amounts Issued (d)	2,291,020	6,391,020
Collateral	334,888	1,362,814
Restricted Cash	$ 65,028	$ 210,937
Secured Structured Financings | 2014 Securitizations | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	1.16%	1.16%
Secured Structured Financings | 2014 Securitizations | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	1.27%	1.72%
Secured Structured Financings | 2015 Securitizations
Debt Instrument [Line Items]
Balance	$ 1,651,411	$ 2,484,051
Initial Note Amounts Issued (d)	9,054,732	9,171,332
Collateral	1,979,942	3,465,671
Restricted Cash	$ 288,654	$ 366,062
Secured Structured Financings | 2015 Securitizations | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	1.33%	1.33%
Secured Structured Financings | 2015 Securitizations | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	2.29%	2.29%
Secured Structured Financings | 2016 Securitizations
Debt Instrument [Line Items]
Balance	$ 2,233,720	$ 3,596,822
Initial Note Amounts Issued (d)	7,462,790	7,462,790
Collateral	2,876,141	4,798,807
Restricted Cash	$ 285,300	$ 344,899
Secured Structured Financings | 2016 Securitizations | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	1.63%	1.63%
Secured Structured Financings | 2016 Securitizations | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	2.80%	2.80%
Secured Structured Financings | 2017 Securitizations
Debt Instrument [Line Items]
Balance	$ 4,385,029	$ 7,343,157
Initial Note Amounts Issued (d)	9,296,570	9,535,800
Collateral	6,090,150	9,701,381
Restricted Cash	$ 352,833	$ 422,865
Secured Structured Financings | 2017 Securitizations | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	1.35%	2.01%
Secured Structured Financings | 2017 Securitizations | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	2.52%	2.52%
Secured Structured Financings | 2018 Securitization
Debt Instrument [Line Items]
Balance	$ 10,708,030
Initial Note Amounts Issued (d)	13,275,840
Collateral	13,631,783
Restricted Cash	$ 549,899
Secured Structured Financings | 2018 Securitization | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	2.41%
Secured Structured Financings | 2018 Securitization | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	3.53%
Secured Structured Financings | Privately issued amortizing notes
Debt Instrument [Line Items]
Balance	$ 7,676,351	$ 7,564,637
Initial Note Amounts Issued (d)	11,305,368	12,278,282
Collateral	10,383,266	9,232,658
Restricted Cash	35,201	377,300
Secured Structured Financings | 2011 Private issuances
Debt Instrument [Line Items]
Balance		281,946
Initial Note Amounts Issued (d)		$ 1,700,000
Initial Weighted Average Interest Rate		1.46%
Collateral		$ 398,051
Restricted Cash		20,356
Secured Structured Financings | 2013 Private issuance
Debt Instrument [Line Items]
Balance	1,507,241	2,292,279
Initial Note Amounts Issued (d)	2,044,054	2,044,054
Collateral	2,896,344	3,719,148
Restricted Cash	$ 3,021	$ 155,066
Secured Structured Financings | 2013 Private issuance | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	1.28%	1.28%
Secured Structured Financings | 2013 Private issuance | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	1.38%	1.38%
Secured Structured Financings | 2014 Private issuance
Debt Instrument [Line Items]
Balance		$ 117,730
Initial Note Amounts Issued (d)		1,538,087
Collateral		231,997
Restricted Cash		$ 9,552
Secured Structured Financings | 2014 Private issuance | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate		1.05%
Secured Structured Financings | 2014 Private issuance | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate		1.40%
Secured Structured Financings | 2015 Private issuance
Debt Instrument [Line Items]
Balance	$ 1,043,723	$ 2,009,627
Initial Note Amounts Issued (d)	1,811,312	2,305,062
Collateral	350,212	988,247
Restricted Cash	$ 2,215	$ 55,451
Secured Structured Financings | 2015 Private issuance | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	0.88%	0.88%
Secured Structured Financings | 2015 Private issuance | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	2.80%	4.09%
Secured Structured Financings | 2016 Private issuance
Debt Instrument [Line Items]
Balance	$ 454,280	$ 1,489,464
Initial Note Amounts Issued (d)	2,550,000	3,050,000
Collateral	901,641	2,147,988
Restricted Cash	$ 1,661	$ 89,460
Secured Structured Financings | 2016 Private issuance | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	1.93%	1.55%
Secured Structured Financings | 2016 Private issuance | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	2.86%	2.86%
Secured Structured Financings | 2017 Private issuance
Debt Instrument [Line Items]
Balance	$ 689,152	$ 1,373,591
Initial Note Amounts Issued (d)	1,600,000	1,641,079
Collateral	1,037,263	1,747,227
Restricted Cash	$ 5,716	$ 47,415
Secured Structured Financings | 2017 Private issuance | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	1.85%	1.85%
Secured Structured Financings | 2017 Private issuance | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	2.44%	2.27%
Secured Structured Financings | 2018 Private issuance
Debt Instrument [Line Items]
Balance	$ 3,981,955
Initial Note Amounts Issued (d)	3,300,002
Collateral	5,197,806
Restricted Cash	$ 22,588
Secured Structured Financings | 2018 Private issuance | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	2.42%
Secured Structured Financings | 2018 Private issuance | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate	3.17%

Debt - Contractual Maturities a

Debt - Contractual Maturities and Weighted Average Interest Rate (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Debt Instrument [Line Items]
Notes payable - secured structured financings	$ 26,901,530	$ 22,557,895
Notes Payable - Secured Structured Financings
Debt Instrument [Line Items]
2019, 2.52%	1,135,311
2020, 2.63%	1,406,303
2021, 2.96%	5,929,140
2022, 3.32%	7,403,396
2023, 3.61%	4,674,427
Thereafter, 3.48%	6,411,044
Notes payable - secured structured financings, gross	26,959,621
Less: unamortized costs	(58,091)
Notes payable - secured structured financings	$ 26,901,530
2019, weighted average interest rate	2.52%
2020, weighted average interest rate	2.63%
2021, weighted average interest rate	2.96%
2022, weighted average interest rate	3.32%
2023, weighted average interest rate	3.61%
Thereafter, weighted average interest rate	3.48%

Debt - Notes Payable - Secured

Debt - Notes Payable - Secured Structured Financings, Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Debt Disclosure [Abstract]
Private issuance notes secured with vehicle lease	$ 7,847,071	$ 3,710,377
Amortized debt issuance costs	38,063	34,510	$ 27,111
Interest expense on secured structured financing	$ 735,342	$ 554,663	$ 420,153

Variable Interest Entities - Na

Variable Interest Entities - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Total serviced for others portfolio	$ 27,193,924,000	$ 26,300,311,000
VIE, Not Primary Beneficiary
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Total serviced for others portfolio	4,072,843,000	3,428,248,000
Sale of receivables securitized	2,905,922,000	2,583,341,000	$ 886,288,000
Gain on retail installment contracts	20,736,000	$ 13,026,000	$ 10,511,000
Maximum exposure to loss, involvement with the VIE	$ 0

Variable Interest Entities - Ca

Variable Interest Entities - Cash Flows Received from Securitization Trusts (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Assets securitized	$ 26,650,284	$ 18,442,793	$ 15,828,921
Net proceeds from new securitizations	17,338,880	14,126,211	13,319,530
Net proceeds from sale of retained bonds	1,059,694	499,354	436,812
Cash received for servicing fees	887,988	866,210	787,778
Net distributions from Trusts	2,767,509	2,613,032	1,748,013
Total cash received from Trusts	22,054,071	18,104,807	16,292,133
VIE, Not Primary Beneficiary
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Assets securitized	2,905,922	2,583,341	904,108
Net proceeds from new securitizations	2,909,794	2,588,227	876,592
Cash received for servicing fees	43,859	35,682	47,804
Total cash received from Trusts	$ 2,953,653	$ 2,623,909	$ 924,396

Variable Interest Entities - Of

Variable Interest Entities - Off-balance Sheet Variable Interest Entities Portfolio (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Variable Interest Entity [Line Items]
Total serviced for others portfolio	$ 27,193,924	$ 26,300,311
VIE, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total serviced for others portfolio	4,072,843	3,428,248
VIE, Not Primary Beneficiary | Chrysler Capital securitizations
Variable Interest Entity [Line Items]
Total serviced for others portfolio	611,050	1,404,232
VIE, Not Primary Beneficiary | Third parties
Variable Interest Entity [Line Items]
Total serviced for others portfolio	611,050	1,404,232
VIE, Not Primary Beneficiary | Santander
Variable Interest Entity [Line Items]
Total serviced for others portfolio	$ 3,461,793	$ 2,024,016

Derivative Financial Instrume_3

Derivative Financial Instruments - Underlying Notional Amounts and Aggregate Fair Values (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Derivative [Line Items]
Asset	$ 183,897	$ 223,577
Liability	(137,985)	(167,933)
Interest rate swap agreements | Designated as cash flow hedges | Cash flow hedging
Derivative [Line Items]
Notional	3,933,500	4,926,900
Fair Value	36,489	45,986
Asset	43,967	45,986
Liability	(7,478)	0
Interest rate swap agreements | Not designated as hedges
Derivative [Line Items]
Notional	2,270,200	1,736,400
Fair Value	9,423	9,596
Asset	11,553	9,596
Liability	(2,130)	0
Interest rate cap agreements
Derivative [Line Items]
Notional	7,741,765	10,906,081
Fair Value	128,377	103,721
Asset	128,377	135,830
Liability	0	(32,109)
Options for interest rate cap agreements
Derivative [Line Items]
Notional	7,741,765	10,906,081
Fair Value	(128,377)	(103,659)
Asset	0	32,165
Liability	$ (128,377)	$ (135,824)

Derivative Financial Instrume_4

Derivative Financial Instruments - Narrative (Details) - USD ($)	Dec. 31, 2018	Dec. 31, 2017
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Unrealized gains (losses) to be reclassified to interest expense within the next twelve months	$ 33,465,000
Warrant
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Estimated fair value	$ 0	$ 0

Derivative Financial Instrume_5

Derivative Financial Instruments - Offsetting of Derivative Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Gross Amounts Not Offset in the Consolidated Balance Sheet
Assets Presented in the Consolidated Balance Sheet	$ 183,897	$ 223,577
Asset	183,897	223,577
Assets Presented in the Consolidated Balance Sheet, Total financial assets	183,897	223,577
Total derivatives not subject to a master netting arrangement or similar arrangement	0	0
Cash Collateral Received	(96,759)	(71,984)
Cash Collateral Received, Total financial assets	(96,759)	(71,984)
Net Amount	87,138	151,593
Net Amount, Total financial assets	87,138	151,593
Gross Amounts Not Offset in the Consolidated Balance Sheet
Liabilities Presented in the Consolidated Balance Sheet	137,985	167,933
Liabilities Presented in the Consolidated Balance Sheet, Total derivatives not subject to a master netting arrangement or similar arrangement	0	0
Liabilities Presented in the Consolidated Balance Sheet, Total derivative liabilities	137,985	167,933
Liabilities Presented in the Consolidated Balance Sheet, Total financial liabilities	137,985	167,933
Cash Collateral Pledged	(137,985)	(151,741)
Cash Collateral Pledged, Total derivatives not subject to a master netting arrangement or similar arrangement	0	0
Cash Collateral Pledged, Total derivative liabilities	(137,985)	(151,741)
Cash Collateral Pledged, Total financial liabilities	(137,985)	(151,741)
Net Amount	0	16,192
Net Amount, Total derivatives not subject to a master netting arrangement or similar arrangement	0	0
Net Amount, Total derivative liabilities	0	16,192
Net Amount, Total financial liabilities	0	16,192
Interest Rate Caps
Gross Amounts Not Offset in the Consolidated Balance Sheet
Asset	128,377	135,830
Gross Amounts Not Offset in the Consolidated Balance Sheet
Liabilities Presented in the Consolidated Balance Sheet, Total derivative liabilities	0	32,109
Santander and Affiliates | Interest Rate Swaps
Gross Amounts Not Offset in the Consolidated Balance Sheet
Assets Presented in the Consolidated Balance Sheet		8,621
Cash Collateral Received		(3,461)
Net Amount		5,160
Santander and Affiliates | Interest Rate Caps
Gross Amounts Not Offset in the Consolidated Balance Sheet
Assets Presented in the Consolidated Balance Sheet		18,201
Cash Collateral Received		(12,240)
Net Amount		5,961
Santander and Affiliates | Back to Back
Gross Amounts Not Offset in the Consolidated Balance Sheet
Liabilities Presented in the Consolidated Balance Sheet		18,201
Cash Collateral Pledged		(18,201)
Net Amount		0
Third Party | Interest Rate Swaps
Gross Amounts Not Offset in the Consolidated Balance Sheet
Assets Presented in the Consolidated Balance Sheet	55,520	46,961
Cash Collateral Received	(23,929)	(448)
Net Amount	31,591	46,513
Gross Amounts Not Offset in the Consolidated Balance Sheet
Liabilities Presented in the Consolidated Balance Sheet	9,608
Cash Collateral Pledged	(9,608)
Net Amount	0
Third Party | Interest Rate Caps
Gross Amounts Not Offset in the Consolidated Balance Sheet
Assets Presented in the Consolidated Balance Sheet	128,377	149,794
Cash Collateral Received	(72,830)	(55,835)
Net Amount	55,547	93,959
Gross Amounts Not Offset in the Consolidated Balance Sheet
Liabilities Presented in the Consolidated Balance Sheet	128,377
Cash Collateral Pledged	(128,377)
Net Amount	$ 0
Third Party | Back to Back
Gross Amounts Not Offset in the Consolidated Balance Sheet
Liabilities Presented in the Consolidated Balance Sheet		149,732
Cash Collateral Pledged		(133,540)
Net Amount		$ 16,192

Derivative Financial Instrume_6

Derivative Financial Instruments - Gross Gains (Losses) Reclassified from Accumulated Other Comprehensive Income (Details) - Interest Rate Swaps - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Designated as Cash Flow Hedges
Derivative Instruments Gain Loss [Line Items]
Recognized in Earnings	$ 0	$ 112	$ 1,131
Gross Gains Recognized in Accumulated Other Comprehensive Income (Loss)	20,537	22,333	(2,118)
Gross amount Reclassified From Accumulated Other Comprehensive Income to Interest Expense	37,710	6,060	(43,898)
Not Designated As Hedges | Interest Expense
Derivative Instruments Gain Loss [Line Items]
Recognized in Earnings	$ (5,369)
Not Designated As Hedges | Operating Expense
Derivative Instruments Gain Loss [Line Items]
Recognized in Earnings		$ 6,835	$ 1,593

Other Assets (Details)

Other Assets (Details) - USD ($) $ in Thousands	1 Months Ended
	May 31, 2013	Dec. 31, 2018	Dec. 31, 2017
Other Assets [Line Items]
Other assets		$ 963,347	$ 913,244
Upfront fee	$ 150,000
Finance and other interest income amortization period	10 years
Vehicles
Other Assets [Line Items]
Other assets		342,097	293,546
Manufacturer subvention payments receivable
Other Assets [Line Items]
Other assets		106,313	83,910
Upfront fee
Other Assets [Line Items]
Other assets		65,000	80,000
Derivative assets at fair value
Other Assets [Line Items]
Other assets		183,897	196,755
Derivative- third party collateral
Other Assets [Line Items]
Other assets		150,783	149,805
Prepaids
Other Assets [Line Items]
Other assets		29,080	40,830
Accounts receivable
Other Assets [Line Items]
Other assets		28,511	38,583
Other
Other Assets [Line Items]
Other assets		$ 57,666	$ 29,815

Income Taxes - Components of th

Income Taxes - Components of the Provision for Income Taxes (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Income before income taxes:
Domestic									$ 1,189,612	$ 697,991	$ 942,436
Foreign									2,656	106,018	218,275
Income before income taxes	$ 143,633	$ 296,822	$ 449,146	$ 302,667	$ (23,833)	$ 276,448	$ 337,216	$ 214,178	1,192,268	804,009	1,160,711
Current income tax expense (benefit):
Federal									(9,702)	(6,140)	2,481
State									18,448	(6,436)	3,273
Foreign									110	4,273	8,738
Total current income tax expense (benefit)									8,856	(8,303)	14,492
Deferred income tax expense (benefit):
Federal									217,309	(390,637)	343,816
State									50,180	30,181	35,944
Foreign									(3)	(39)	(7)
Total deferred income tax expense (benefit)									267,486	(360,495)	379,753
Total income tax expense (benefit)									$ 276,342	$ (368,798)	$ 394,245

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Jan. 01, 2017
Operating Loss Carryforwards [Line Items]
Earnings indefinitely reinvested outside of the US	$ 0	$ 0
One-time benefit due to revaluation of U.S. deferred liabilities	674,886,000
One-time mandatory tax expense on previously deferred foreign earnings of SCI	25,143,000
Tax sharing with affiliate	2,881,000	(1,304,000)	$ (1,424,000)
Related party taxes receivable	734,000	467,000
Deferred tax liability, leased vehicles	3,109,118,000	1,942,273,000
Cumulative-effect adjustment upon adoption		0	26,552,000
Unrecognized tax benefits that would impact effective tax rate	15,836,000	14,615,000	16,606,000
Accrued interest and penalties, tax liability	895,000	653,000	1,551,000
Gross unrecognized tax benefits	0
Foreign
Operating Loss Carryforwards [Line Items]
Tax credit carryforwards	6,664,000
Federal
Operating Loss Carryforwards [Line Items]
Net operating loss carryforwards	1,406,579,000
Operating loss carryforwards subject to expiration	397,817,000
Operating loss carryforwards not subject to expiration	1,008,762,000
State
Operating Loss Carryforwards [Line Items]
Net operating loss carryforwards	61,795,000
Accounting Standards Update 2016-09, Excess Tax Benefit Component
Operating Loss Carryforwards [Line Items]
Excess tax windfall	(761,000)
Excess tax deficiency		796,000
Electric Vehicle Tax Credit
Operating Loss Carryforwards [Line Items]
Tax credit carryforwards	170,793,000
Work Opportunity Tax Credit
Operating Loss Carryforwards [Line Items]
Tax credit carryforwards	69,000
Tax Sharing Agreement
Operating Loss Carryforwards [Line Items]
Related party taxes receivable	734,000	467,000
Additional Paid-In Capital
Operating Loss Carryforwards [Line Items]
Tax sharing with affiliate	2,881,000	(1,304,000)	(1,424,000)
Cumulative-effect adjustment upon adoption			1,439,000
Retained Earnings
Operating Loss Carryforwards [Line Items]
Cumulative-effect adjustment upon adoption		(6,149,000)	$ 25,113,000
Stranded income tax benefits	(6,149,000)
Retained Earnings | Accounting Standards Update 2016-09, Excess Tax Benefit Component
Operating Loss Carryforwards [Line Items]
Cumulative-effect adjustment upon adoption				$ 26,552,000
Accumulated Other Comprehensive Income (Loss)
Operating Loss Carryforwards [Line Items]
Cumulative-effect adjustment upon adoption		$ 6,149,000
Stranded income tax benefits	$ 6,149,000

Income Taxes - Reconciliation o

Income Taxes - Reconciliation of the Income Tax Rate (Details)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Income Tax Disclosure [Abstract]
Federal statutory rate	21.00%	35.00%	35.00%
State and local income taxes — net of federal income tax benefit	4.60%	2.30%	2.50%
Valuation allowance	0.30%	0.00%	(2.20%)
Electric vehicle credit	(0.80%)	(3.00%)	(2.30%)
Tax reform - deferred impact	0.00%	(83.90%)	0.00%
Tax reform - transition tax	0.00%	3.10%	0.00%
Other	(1.90%)	0.60%	1.00%
Effective income tax rate	23.20%	(45.90%)	34.00%

Income Taxes - Income Tax Basis

Income Taxes - Income Tax Basis of Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Deferred tax assets:
Debt issuance costs	$ 5,454	$ 4,181
Receivables	296,145	520,255
Capitalized origination costs	196	0
Net operating loss carryforwards	1,468,374	352,658
Equity-based compensation	14,727	14,258
Credit carryforwards	177,526	163,140
Other	31,392	32,264
Total gross deferred tax assets	1,993,814	1,086,756
Deferred tax liabilities:
Capitalized origination costs	0	(4,229)
Goodwill	(12,735)	(11,278)
Leased vehicles	(3,109,118)	(1,942,273)
Furniture and equipment	(5,702)	(7,201)
Derivatives	(13,357)	(9,966)
Other	(1,275)	(925)
Total gross deferred tax liabilities	(3,142,187)	(1,975,872)
Valuation allowance	(7,510)	(3,299)	$ (2,501)	$ (30,489)
Net deferred tax liability	$ (1,155,883)	$ (892,415)

Income Taxes - Valuation Allowa

Income Taxes - Valuation Allowance (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Valuation Allowance [Roll Forward]
Valuation allowance, beginning of year	$ 3,299	$ 2,501	$ 30,489
Provision (release)	4,211	798	(27,988)
Valuation allowance, end of year	$ 7,510	$ 3,299	$ 2,501

Income Taxes - Gross Unrecogniz

Income Taxes - Gross Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Gross unrecognized tax benefits balance, beginning of period	$ 14,746	$ 16,736	$ 225
Additions for tax positions taken in the current year	0	0	16,606
Additions for tax positions of prior years	1,608	473	0
Reductions for tax positions of prior years	(203)	(589)	(34)
Reductions as a result of a lapse of the applicable statute of limitations	(186)	(1,874)	0
Settlements	0	0	(61)
Gross unrecognized tax benefits balance, end of period	$ 15,965	$ 14,746	$ 16,736

Commitments and Contingencies -

Commitments and Contingencies - Liabilities for Commitments and Contingencies (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Consumer arrangements
Loss Contingencies [Line Items]
Contingencies	$ 2,138	$ 6,326
Legal and regulatory proceedings
Loss Contingencies [Line Items]
Contingencies	97,700	108,800
Revenue-sharing and gain-sharing payments | Chrysler
Loss Contingencies [Line Items]
Commitments	7,001	6,580
Servicer performance fee | Bank of America
Loss Contingencies [Line Items]
Commitments	6,353	8,072
Loss-sharing payments | CBP
Loss Contingencies [Line Items]
Commitments	$ 3,708	$ 5,625

Commitments and Contingencies_2

Commitments and Contingencies - Chrysler Agreement (Details) - Chrysler - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Other Commitments [Line Items]
Funding available for FCA retail financing	$ 4,500,000
Meeting specified escalating penetration rates, period	5 years
Minimum
Other Commitments [Line Items]
Funding available for dealer inventory financing	$ 5,000,000
Revenue-sharing and gain-sharing payments
Other Commitments [Line Items]
Amount accrued for the payments	$ 7,001	$ 6,580

Commitments and Contingencies_3

Commitments and Contingencies - Agreement with Bank of America (Details) - Bank of America - USD ($)	Jan. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Other Commitments [Line Items]
Commitment to sell loans	$ 300,000,000
Servicer performance payments due, period	6 years
Servicer performance fee
Other Commitments [Line Items]
Commitments		$ 6,353,000	$ 8,072,000

Commitments and Contingencies_4

Commitments and Contingencies - Agreement with CBP (Details) - CBP - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Other Commitments [Line Items]
Loans servicing, loss-sharing payment percentage	0.50%
Loss-sharing payments
Other Commitments [Line Items]
Commitments	$ 3,708	$ 5,625

Commitments and Contingencies_5

Commitments and Contingencies - Other Contingencies (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Consumer arrangements
Loss Contingencies [Line Items]
Accrual for miscellaneous contingencies	$ 2,138	$ 6,326

Commitments and Contingencies_6

Commitments and Contingencies - Legal and Regulatory Proceedings (Details) $ in Thousands	1 Months Ended			12 Months Ended
	Nov. 30, 2018USD ($)	Jan. 31, 2018claim	Feb. 28, 2015USD ($)	Dec. 31, 2018USD ($)	Jul. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Parmelee Lawsuit [Member]
Loss Contingencies [Line Items]
Maximum possible loss					$ 9,500
Number of claims dismissed | claim		2
Violation of SCRA
Loss Contingencies [Line Items]
SCRA compliance monitoring period			5 years
Aggregate Legal and Regulatory Liabilities
Loss Contingencies [Line Items]
Contingencies				$ 97,700		$ 108,800
Maximum possible loss				150,000
Civil Penalty to the SEC
Loss Contingencies [Line Items]
Amount agreed to be paid				$ 1,500
Settlement With CFPB
Loss Contingencies [Line Items]
Amount agreed to be paid	$ 2,500
Civil Fine | Violation of SCRA
Loss Contingencies [Line Items]
Civil award fine			$ 55
Civil Fine to Affected Service Members | Violation of SCRA | Minimum
Loss Contingencies [Line Items]
Civil award fine			9,360
Lost Equity for Each Repossession by SCUSA | Violation of SCRA
Loss Contingencies [Line Items]
Civil award fine			10
SCUSA Sought to Collect Repossession-related Fees | Violation of SCRA
Loss Contingencies [Line Items]
Civil award fine			$ 5

Commitments and Contingencies_7

Commitments and Contingencies - Agreements (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2014
Other Commitments [Line Items]
Purchase obligation	$ 15,356,000	$ 11,539,000
Purchase commitment, repurchase rate (up to)	9.99%
Retainer rate (up to) upon exercise of repurchase right	20.00%
Repurchase requests outstanding	$ 0
Commitment to sell charged off loan receivables in bankruptcy sale	350,000,000
Sales subject to market price check (more than)	275,000,000
Remaining aggregate commitment to sell charged off loan receivables	63,975,000	98,858,000
SBNA
Other Commitments [Line Items]
Indemnification of leases	48,226,000
Credit loss indemnification of leases	0	18,000		$ 48,226,000
Indemnification liability	39,000	2,206,000
Bluestem | Purchase New Advances on Personal Revolving Finance Receivable
Other Commitments [Line Items]
Commitments	3,100,000,000	3,900,000,000	$ 4,000,000,000
Purchases of receivables	1,200,000,000	1,200,000,000
Bluestem | Purchase of Receivables Related to New Opened Customer Accounts
Other Commitments [Line Items]
Purchases of receivables	$ 304,550,000	$ 263,831,000

Commitments and Contingencies_8

Commitments and Contingencies - Leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Commitments and Contingencies Disclosure [Abstract]
Lease expense	$ 10,192	$ 10,901	$ 11,328
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2,019	12,817
2,020	13,080
2,021	12,940
2,022	12,282
2,023	12,393
Thereafter	32,270
Total remaining obligations	$ 95,782

Related-Party Transactions - In

Related-Party Transactions - Interest Expense and Accrued Interest (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Related Party Transaction [Line Items]
Line of credit	$ 3,500,000,000
Revolving credit facilities
Related Party Transaction [Line Items]
Line of credit	17,348,945,000	$ 18,444,483,000
Santander
Related Party Transaction [Line Items]
Interest expense for affiliate lines/letters of credit	11,620,000	51,735,000	$ 69,877,000
Accrued interest for affiliate lines/letters of credit	0	1,435,000
Santander | Revolving credit facilities
Related Party Transaction [Line Items]
Line of credit		1,750,000,000
SHUSA
Related Party Transaction [Line Items]
Interest expense for affiliate lines/letters of credit	151,238,000	90,988,000	$ 24,050,000
Accrued interest for affiliate lines/letters of credit	$ 19,928,000	$ 18,670,000

Related-Party Transactions - Cr

Related-Party Transactions - Credit Facilities (Details) - Santander - USD ($) $ in Thousands	1 Months Ended	12 Months Ended
	Aug. 31, 2015	Dec. 31, 2018	Dec. 31, 2017
Related Party Transaction [Line Items]
Guarantee fee, basis spread (as a percent)	12.50%
Guarantee fee expense		$ 5,024	$ 5,979
Guarantee fee payable		$ 1,922	$ 7,598

Related-Party Transactions - De

Related-Party Transactions - Derivatives (Details) - Santander and Affiliates - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Related Party Transaction [Line Items]
Outstanding notional amount	$ 0	$ 3,734,400,000
Collateral overage on derivative liabilities	0	1,622,000
Derivative instrument interest expenses	$ 930,000	$ 1,333,000	$ 16,078,000

Related-Party Transactions - Le

Related-Party Transactions - Lease Origination and Servicing Agreement (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2014
Related Party Transaction [Line Items]
Servicing fee income	$ 106,840,000	$ 118,341,000	$ 156,134,000
SBNA
Related Party Transaction [Line Items]
Servicing fee income	1,425,000	4,894,000	7,707,000
Credit loss indemnification of leases	0	18,000		$ 48,226,000
Indemnification expense	0	272,000	$ 0
Balance of collateral on lease origination	40,000	2,210,000
Indemnification liability	$ 39,000	$ 2,206,000

Related-Party Transactions - _2

Related-Party Transactions - Information on Consumer Vehicle Lease Portfolio (Details) - SBNA - Consumer Vehicle Lease - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Related Party Transaction [Line Items]
Total serviced portfolio	$ 338	$ 321,629
Origination and servicing fees receivable	0	2,067
Revenue share reimbursement receivable	$ 75	$ 1,548

Related-Party Transactions - Re

Related-Party Transactions - Retail Installment Contracts and RV Marine (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Related Party Transaction [Line Items]
Servicing fee income	$ 106,840	$ 118,341	$ 156,134
SBNA
Related Party Transaction [Line Items]
Servicing fee income	1,425	4,894	7,707
SBNA | Serviced Auto Loan and Retail Installment
Related Party Transaction [Line Items]
Servicing fee income	$ 3,690	$ 3,381	$ 5,154

Related-Party Transactions - _3

Related-Party Transactions - Information on Serviced Auto Loan and Retail Installment Contract Portfolio (Details) - SBNA - Serviced Auto Loan and Retail Installment - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Related Party Transaction [Line Items]
Total serviced portfolio	$ 383,246	$ 522,219
Cash collections due to owner	14,920	12,306
Servicing fees receivable	$ 601	$ 943

Related-Party Transactions - _4

Related-Party Transactions - Dealer Lending (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Related Party Transaction [Line Items]
Due to related parties	$ 1,285,000
SBNA
Related Party Transaction [Line Items]
Referral fee	$ 9,000,000
Referral fee, amortization period	10 years
Unamortized fee balance	$ 4,050,000	$ 4,950,000
Income related to referral fee	900,000	900,000	$ 900,000
SBNA | Dealer Loan Portfolio
Related Party Transaction [Line Items]
Due from related parties	0
SBNA | Loan Origination on Sales of Floorplan Inventory
Related Party Transaction [Line Items]
Due to related parties	$ 5,908,000	$ 4,481,000

Related-Party Transactions - _5

Related-Party Transactions - Information on Transactions with SBNA (Details) - SBNA - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Related Party Transaction [Line Items]
Servicing fees payable	$ 19	$ 9
Origination and Renewal Fees
Related Party Transaction [Line Items]
Revenue from related parties	4,226	3,136	$ 4,343
Due from related parties	385	369
Servicing Fees Expenses
Related Party Transaction [Line Items]
Expenses from transaction with related party	$ 78	$ 97	$ 110

Related-Party Transactions - Or

Related-Party Transactions - Origination Support Services (Details) - Affiliates - SBNA - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Purchase of Retail Installment Contracts
Related Party Transaction [Line Items]
Additions to servicing asset	$ 1,900,000
Referral and Servicing Fee
Related Party Transaction [Line Items]
Revenue from related parties	15,489
Due from related parties	4,875
Fee for Payments Made at Retail Branch Locations
Related Party Transaction [Line Items]
Expenses from transaction with related party	$ 258	$ 225	$ 473

Related-Party Transactions - Se

Related-Party Transactions - Securitizations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Related Party Transaction [Line Items]
Sale of loans securitized	$ 2,905,922	$ 2,583,341
Due to/from affiliates	1,174	35,832	$ 15,861
Third Party
Related Party Transaction [Line Items]
Due to/from affiliates	76,000
Affiliates | SIS | Fees Paid for Co-Management of Certain Securitizations
Related Party Transaction [Line Items]
Expenses from transaction with related party	$ 2,647	$ 1,359	$ 1,149

Related-Party Transactions - _6

Related-Party Transactions - Information on SPAIN Securitization Platform (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2018
Related Party Transaction [Line Items]
Collections due to Santander		$ 1,285
Santander
Related Party Transaction [Line Items]
Servicing fees income	$ 12,346	35,058
Loss (Gain) on sale, excluding lower of cost or market adjustments (if any)	13,026	(20,736)
Servicing fees receivable	1,848	2,983
Collections due to Santander	$ 12,961	$ 15,968

Related-Party Transactions - Em

Related-Party Transactions - Employment Agreements (Details) - USD ($) $ / shares in Units, $ in Thousands	Nov. 15, 2017	Dec. 31, 2017	Aug. 31, 2016
Settlement Agreement | Chairman and CEO
Related Party Transaction [Line Items]
Payment of equity-based awards	$ 66,115	$ 66,115
Separation Agreement | Chairman and CEO | Stock Options
Related Party Transaction [Line Items]
Payment of equity-based awards	$ 52,799	52,799
Call Transaction | Affiliates | DDFS LLC
Related Party Transaction [Line Items]
Net proceeds from the call transaction		$ 294,501
Call Transaction | Affiliates | DDFS LLC | SHUSA
Related Party Transaction [Line Items]
Number of shares exercisable by call option		34,598,506
Purchase of Common Stock | Affiliates | DDFS LLC | Santander
Related Party Transaction [Line Items]
Aggregate price of shares purchased		$ 941,945
Shareholders Agreement | Affiliates | DDFS LLC
Related Party Transaction [Line Items]
Average stock price (in usd per share)			$ 26.17

Related-Party Transactions - CE

Related-Party Transactions - CEO and Other Employee Compensation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Related Party Transaction [Line Items]
Compensation expense paid	$ 7,656	$ 13,037	$ 8,812
Due to related parties	1,285
SHUSA | Administrative Services | Affiliates
Related Party Transaction [Line Items]
Due to related parties	2,595
Due from related parties	1,222
President and CEO
Related Party Transaction [Line Items]
Compensation expense paid	$ 4,033	$ 795

Related-Party Transactions - Ot

Related-Party Transactions - Other Related-Party Transactions (Details) ft² in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)ft²	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Related Party Transaction [Line Items]
Future minimum payment of lease	$ 95,782,000
Restricted cash	2,102,048,000	$ 2,553,902,000	$ 2,757,299,000
Due to related parties	$ 1,285,000
Gain (Loss) on Investments
Related Party Transaction [Line Items]
Cost-method investments, impairment			6,000,000
Chairman and CEO, President and CFO and Board Member
Related Party Transaction [Line Items]
Area of leased property (in sq ft) | ft²	373
Payments for rent	$ 4,775,000	4,970,000	4,945,000
Lease term	9 years
Future minimum payment of lease	$ 55,553,000
SBNA | Sublease of Corporate Office Space
Related Party Transaction [Line Items]
Sublease revenue	163,000	163,000	161,000
SCI | Banco Santander Puerto Rico | Demand Deposits
Related Party Transaction [Line Items]
Restricted cash	8,862,000	106,596,000
Affiliates | SBNA
Related Party Transaction [Line Items]
Deposit and checking accounts balance	$ 92,774,000	33,000,000
Affiliates | SBNA | Sublease of Corporate Office Space
Related Party Transaction [Line Items]
Corporate office space (in sq ft) | ft²	13
Affiliates | SHUSA
Related Party Transaction [Line Items]
Expenses from transaction with related party	$ 369,000	312,000	294,000
Cyber liability insurance, coverage limit	150,000,000
Affiliates | SHUSA | Various Other Insurance Products
Related Party Transaction [Line Items]
Expenses from transaction with related party	708,000	607,000	741,000
Produban Servicios Informaticos Generales S.L
Related Party Transaction [Line Items]
Expenses included as component of other operating costs	0	0	$ 93,000
Santander
Related Party Transaction [Line Items]
Due to related parties	15,968,000	12,961,000
Santander | Procurement Services
Related Party Transaction [Line Items]
Expenses from transaction with related party	$ 1,515,000	$ 637,000

Supplemental Cash Flow Inform_3

Supplemental Cash Flow Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Cash paid (received) during the year for:
Interest	$ 1,104,982	$ 942,551	$ 796,682
Income taxes	9,865	1,856	(180,323)
Noncash investing and financing transactions:
Transfer of revolving credit facilities to secured structured financings	$ 0	$ 495,991	$ 146,864

Computation of Basic and Dilu_3

Computation of Basic and Diluted Earnings per Common Share - Narrative (Details) - shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Employee Stock Options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Awards excluded from computation of earnings per share (in shares)	168,728	367,880	1,387,656
RSUs
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Awards excluded from computation of earnings per share (in shares)	0	626,551	1,106,187

Computation of Basic and Dilu_4

Computation of Basic and Diluted Earnings per Common Share - Summary of Computation of Basic and Diluted Earnings per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Earnings per common share
Net income attributable to Santander Consumer USA Holdings Inc. shareholders	$ 104,338	$ 231,948	$ 335,026	$ 244,614	$ 577,449	$ 198,569	$ 257,898	$ 138,891	$ 915,926	$ 1,172,807	$ 766,466
Weighted average number of common shares outstanding before restricted participating shares (in shares)									359,862,000	359,614,000	358,032,000
Weighted average number of participating restricted common shares outstanding (in shares)									0	0	249,000
Weighted average number of common shares outstanding (in shares)									359,861,764	359,613,714	358,280,814
Earnings per common share (in usd per share)	$ 0.29	$ 0.64	$ 0.93	$ 0.68	$ 1.60	$ 0.55	$ 0.72	$ 0.39	$ 2.55	$ 3.26	$ 2.14
Earnings per common share - assuming dilution
Net income attributable to Santander Consumer USA Holdings Inc. shareholders	$ 104,338	$ 231,948	$ 335,026	$ 244,614	$ 577,449	$ 198,569	$ 257,898	$ 138,891	$ 915,926	$ 1,172,807	$ 766,466
Weighted average number of common shares outstanding (in shares)									359,861,764	359,613,714	358,280,814
Effect of employee stock-based awards (in shares)									810,000	678,000	797,000
Weighted average number of common shares outstanding - assuming dilution (in shares)									360,672,417	360,292,330	359,078,337
Earnings per common share - assuming dilution (in usd per share)	$ 0.29	$ 0.64	$ 0.93	$ 0.68	$ 1.60	$ 0.55	$ 0.72	$ 0.39	$ 2.54	$ 3.26	$ 2.13

Fair Value of Financial Instr_3

Fair Value of Financial Instruments - Carrying Value and Estimated Fair Value of Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Carrying Value
Assets:
Cash and cash equivalents	$ 148,436	$ 527,805
Finance receivables held for investment, net	24,914,833	22,250,586
Restricted cash	2,102,048	2,553,902
Total	27,165,317	25,332,293
Liabilities:
Notes payable — credit facilities	4,478,214	4,848,316
Notes payable — secured structured financings	26,901,530	22,557,895
Notes payable — related party	3,503,293	3,754,223
Total	34,883,037	31,160,434
Estimated Fair Value
Assets:
Cash and cash equivalents	148,436	527,805
Finance receivables held for investment, net	26,037,559	24,340,739
Restricted cash	2,102,048	2,553,902
Total	28,288,043	27,422,446
Liabilities:
Notes payable — credit facilities	4,478,214	4,848,316
Notes payable — secured structured financings	26,994,912	22,688,381
Notes payable — related party	3,438,543	3,754,223
Total	34,911,669	31,290,920
Estimated Fair Value | Level 1
Assets:
Cash and cash equivalents	148,436	527,805
Finance receivables held for investment, net	0	0
Restricted cash	2,102,048	2,553,902
Total	2,250,484	3,081,707
Liabilities:
Notes payable — credit facilities	0	0
Notes payable — secured structured financings	0	0
Notes payable — related party	0	0
Total	0	0
Estimated Fair Value | Level 2
Assets:
Cash and cash equivalents	0	0
Finance receivables held for investment, net	0	0
Restricted cash	0	0
Total	0	0
Liabilities:
Notes payable — credit facilities	0	0
Notes payable — secured structured financings	17,924,867	12,275,408
Notes payable — related party	0	0
Total	17,924,867	12,275,408
Estimated Fair Value | Level 3
Assets:
Cash and cash equivalents	0	0
Finance receivables held for investment, net	26,037,559	24,340,739
Restricted cash	0	0
Total	26,037,559	24,340,739
Liabilities:
Notes payable — credit facilities	4,478,214	4,848,316
Notes payable — secured structured financings	9,070,045	10,412,973
Notes payable — related party	3,438,543	3,754,223
Total	$ 16,986,802	$ 19,015,512

Fair Value of Financial Instr_4

Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Retail installment contracts acquired individually	$ 13,509	$ 22,124
Recurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Retail installment contracts acquired individually	13,509	22,124
Recurring | Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	128,377	129,718
Due from affiliates		6,112
Other liabilities		20,019
Due to affiliates		12,090
Recurring | Interest Rate Swaps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	11,553	7,925
Due from affiliates		1,671
Other liabilities	2,130
Recurring | Interest Rate Swaps | Cash Flow Hedging
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	43,967	39,036
Due from affiliates		6,950
Other liabilities	7,478
Recurring | Trading Options for Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets		20,075
Due from affiliates		12,090
Other liabilities	128,377	129,712
Due to affiliates		6,112
Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Retail installment contracts acquired individually	0	0
Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	0	0
Due from affiliates		0
Other liabilities		0
Due to affiliates		0
Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Interest Rate Swaps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	0	0
Due from affiliates		0
Other liabilities	0
Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Interest Rate Swaps | Cash Flow Hedging
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	0	0
Due from affiliates		0
Other liabilities	0
Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Trading Options for Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets		0
Due from affiliates		0
Other liabilities	0	0
Due to affiliates		0
Recurring | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Retail installment contracts acquired individually	0	0
Recurring | Significant Other Observable Inputs (Level 2) | Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	128,377	129,718
Due from affiliates		6,112
Other liabilities		20,019
Due to affiliates		12,090
Recurring | Significant Other Observable Inputs (Level 2) | Interest Rate Swaps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	11,553	7,925
Due from affiliates		1,671
Other liabilities	2,130
Recurring | Significant Other Observable Inputs (Level 2) | Interest Rate Swaps | Cash Flow Hedging
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	43,967	39,036
Due from affiliates		6,950
Other liabilities	7,478
Recurring | Significant Other Observable Inputs (Level 2) | Trading Options for Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets		20,075
Due from affiliates		12,090
Other liabilities	128,377	129,712
Due to affiliates		6,112
Recurring | Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Retail installment contracts acquired individually	13,509	22,124
Recurring | Significant Unobservable Inputs (Level 3) | Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	0	0
Due from affiliates		0
Other liabilities		0
Due to affiliates		0
Recurring | Significant Unobservable Inputs (Level 3) | Interest Rate Swaps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	0	0
Due from affiliates		0
Other liabilities	0
Recurring | Significant Unobservable Inputs (Level 3) | Interest Rate Swaps | Cash Flow Hedging
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	0	0
Due from affiliates		0
Other liabilities	0
Recurring | Significant Unobservable Inputs (Level 3) | Trading Options for Interest Rate Caps
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets		0
Due from affiliates		0
Other liabilities	$ 0	0
Due to affiliates		$ 0

Fair Value of Financial Instr_5

Fair Value of Financial Instruments - Change in Level 3 Balances (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Derivative Financial Instruments, Liabilities | Total Return Settlement
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value, beginning of year	$ 0	$ 30,618	$ 53,432
(Gains)/losses recognized in earnings		505	4,365
Settlements		(31,123)	(27,179)
Fair value, end of year		0	30,618
Retail Installment Contracts
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value, beginning of year	22,124	24,495	6,770
Additions / issuances	6,631	21,672	36,623
Net collection activities	(16,755)	(28,598)	(18,850)
Loans sold	0	0	(48)
Gains recognized in earnings	1,509	4,555	0
Fair value, end of year	$ 13,509	$ 22,124	$ 24,495

Fair Value of Financial Instr_6

Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value on Nonrecurring Basis (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Personal loans held for sale | Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	$ 1,068,757	$ 1,062,089
Retail installment contracts held for sale | Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value		1,148,332
Nonrecurring | Vehicles
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	342,097	293,546
Lower of cost or fair value expense	0	0
Nonrecurring | Vehicles | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	0	0
Nonrecurring | Vehicles | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	342,097	293,546
Nonrecurring | Vehicles | Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	0	0
Nonrecurring | Personal loans held for sale
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	1,068,757	1,062,089
Lower of cost or fair value expense	367,219	374,374
Nonrecurring | Personal loans held for sale | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	0	0
Nonrecurring | Personal loans held for sale | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	0	0
Nonrecurring | Personal loans held for sale | Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	1,068,757	1,062,089
Nonrecurring | Retail installment contracts held for sale
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	0	1,148,332
Lower of cost or fair value expense	15,098	11,686
Nonrecurring | Retail installment contracts held for sale | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	0	0
Nonrecurring | Retail installment contracts held for sale | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	0	0
Nonrecurring | Retail installment contracts held for sale | Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	0	1,148,332
Nonrecurring | Auto loans impaired due to bankruptcy
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	189,114	121,578
Lower of cost or fair value expense	93,277	75,194
Nonrecurring | Auto loans impaired due to bankruptcy | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	0	0
Nonrecurring | Auto loans impaired due to bankruptcy | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	189,114	121,578
Nonrecurring | Auto loans impaired due to bankruptcy | Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value	$ 0	$ 0

Fair Value of Financial Instr_7

Fair Value of Financial Instruments - Quantitative Information for Assets and Liabilities (Details) - Level 3 $ in Thousands	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Retail installment contracts held for investment
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair Value	$ 13,509	$ 22,124
Retail installment contracts held for investment | Discount Rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.08	0.08
Retail installment contracts held for investment | Discount Rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.10	0.10
Retail installment contracts held for investment | Default Rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.15	0.15
Retail installment contracts held for investment | Default Rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.20	0.20
Retail installment contracts held for investment | Prepayment Rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.06	0.06
Retail installment contracts held for investment | Prepayment Rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.08	0.08
Retail installment contracts held for investment | Loss Severity Rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.50	0.50
Retail installment contracts held for investment | Loss Severity Rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.60	0.60
Personal loans held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair Value	$ 1,068,757	$ 1,062,089
Personal loans held for sale | Discount Rate | Income Approach | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.15	0.15
Personal loans held for sale | Discount Rate | Income Approach | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.25	0.20
Personal loans held for sale | Default Rate | Income Approach | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.30	0.30
Personal loans held for sale | Default Rate | Income Approach | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.40	0.40
Personal loans held for sale | Loss Severity Rate | Income Approach | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.90	0.90
Personal loans held for sale | Loss Severity Rate | Income Approach | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.95	0.95
Personal loans held for sale | Market Participant View | Market Approach | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.70	0.70
Personal loans held for sale | Market Participant View | Market Approach | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.80	0.80
Personal loans held for sale | Net Principal & Interest Payment Rate | Income Approach | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.70	0.70
Personal loans held for sale | Net Principal & Interest Payment Rate | Income Approach | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs	0.85	0.85
Retail installment contracts held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair Value		$ 1,148,332
Retail installment contracts held for sale | Discount Rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs		0.03
Retail installment contracts held for sale | Discount Rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs		0.06
Retail installment contracts held for sale | Default Rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs		0.03
Retail installment contracts held for sale | Default Rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs		0.04
Retail installment contracts held for sale | Prepayment Rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs		0.15
Retail installment contracts held for sale | Prepayment Rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs		0.20
Retail installment contracts held for sale | Loss Severity Rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs		0.50
Retail installment contracts held for sale | Loss Severity Rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unobservable Inputs		0.60

Employee Benefit Plans - Narrat

Employee Benefit Plans - Narrative (Details) - USD ($)	Nov. 15, 2017	Jan. 23, 2014	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock issued (in shares)			362,028,916	360,779,465
Expiration period			10 years
Amount recognized related to stock options and restricted stock units within compensation expense			$ 7,656,000	$ 13,037,000	$ 8,812,000
Fair value of options granted in period		$ 10,216,000
Compensation not yet recognized, stock options			$ 263,000
Number of options granted (in shares)			0	0
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation not yet recognized, period for recognition			1 year 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					727,000
Director
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock vesting period		3 years
Chairman and CEO
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Amount recognized related to stock options and restricted stock units within compensation expense			$ 4,033,000	$ 795,000
Chairman and CEO | Settlement Agreement
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Payment of equity-based awards	$ 66,115,000			66,115,000
Chairman and CEO | Stock Options | Separation Agreement
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Payment of equity-based awards	$ 52,799,000			52,799,000
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
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)							5,192,641
Stock vesting period			5 years
Employee benefits and share-based compensation			$ 0	$ 5,457,000	$ 725,000
Omnibus Incentive Plan | RSUs | Vested Immediately
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock vesting period			3 years
Omnibus Incentive Plan | RSUs | Vest Ratably
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock vesting period			5 years
Omnibus Incentive Plan | Certain Officers | RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Transfer and sale restrictions period			1 year

Employee Benefit Plans - Summar

Employee Benefit Plans - Summary of Stock Options and Related Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Shares
Options outstanding, Beginning balance (in shares)	1,695,008
Exercised (in shares)	(863,811)
Expired (in shares)	(92,885)
Forfeited (in shares)	(92,936)
Options outstanding, Ending balance (in shares)	645,376	1,695,008
Options exercisable (in shares)	557,555
Options expected to vest (in shares)	87,821
Weighted Average Exercise Price
Options outstanding, Weighted average exercise price, Beginning balance (in usd per share)	$ 12.39
Exercised (in usd per share)	9.50
Expired (in usd per share)	23.27
Forfeited (in usd per share)	23.06
Options outstanding, Weighted average exercise price, Ending balance (in usd per share)	13.15	$ 12.39
Options exercisable, Weighted average exercise price (in usd per share)	12.07
Options expected to vest, Weighted average exercise price (in usd per share)	$ 20.03
Weighted Average Remaining Contractual Term (Years)
Options outstanding, Weighted average remaining contractual term	4 years	4 years 8 months 12 days
Options exercisable, Weighted average remaining contractual term	3 years 8 months 12 days
Options expected to vest, Weighted average remaining contractual term	5 years 7 months 6 days
Aggregate Intrinsic Value
Options outstanding, Aggregate intrinsic value, Beginning balance	$ 12,058
Options exercised, Aggregate intrinsic value	7,918
Options outstanding, Aggregate intrinsic value, Ending balance	3,682	$ 12,058
Options exercisable, Aggregate intrinsic value	3,572
Options expected to vest, Aggregate intrinsic value	$ 110

Employee Benefit Plans - Change

Employee Benefit Plans - Changes in Nonvested Shares (Details) - $ / shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Shares
Non-vested at beginning of period (in shares)	239,838
Granted (in shares)	0	0
Vested (in shares)	(59,081)
Forfeited (in shares)	(92,936)
Non-vested at end of period (in shares)	87,821	239,838
Weighted Average Grant Date Fair Value
Non-vested at beginning of period (in usd per share)	$ 7.29
Granted (in usd per share)	0		$ 3.14
Vested (in usd per share)	7.33
Forfeited (in usd per share)	7.96
Non-vested at end of period (in usd per share)	$ 6.55	$ 7.29

Employee Benefit Plans - Fair V

Employee Benefit Plans - Fair Value Assumptions (Details) - $ / shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Risk-free interest rate		1.79%
Expected life (in years)		6 years 6 months
Expected volatility (as a percent)		33.00%
Dividend yield (as a percent)		3.69%
Weighted average grant date fair value (in usd per share)	$ 0	$ 3.14

Employee Benefit Plans - Summ_2

Employee Benefit Plans - Summary of Restricted Stock Units and Performance Stock Units and Related Activity (Details) - Restricted Stock Units and Performance Stock Units - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Shares
Outstanding as of beginning of period (in shares)	650,252
Granted (in shares)	617,279
Vested (in shares)	(522,810)
Forfeited/canceled (in shares)	(45,922)
Outstanding as of end of period (in shares)	698,799	650,252
Weighted Average Exercise Price
Outstanding as of beginning of period (in usd per share)	$ 12.68
Granted (in usd per share)	16.11
Vested (in usd per share)	14.18
Forfeited/canceled (in usd per share)	11.64
Outstanding as of end of period (in usd per share)	$ 14.53	$ 12.68
Weighted Average Remaining Contractual Term (Years)	1 year 1 month 6 days	1 year
Aggregate Intrinsic Value
Outstanding as of beginning of period	$ 12,108
Vested	8,616
Outstanding as of end of period	$ 12,292	$ 12,108

Employee Benefit Plans - Define

Employee Benefit Plans - Defined Contribution Plan (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
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	$ 13,952	$ 12,370	$ 11,805

Shareholders' Equity - Shares R

Shareholders' Equity - Shares Repurchased (Details) - USD ($)	1 Months Ended							12 Months Ended
	Jan. 31, 2019	Dec. 31, 2018	Nov. 30, 2018	Oct. 31, 2018	Sep. 30, 2018	Aug. 31, 2018	Jul. 31, 2018	Dec. 31, 2018
Class of Stock [Line Items]
Authorized repurchase amount							$ 200,000,000
Total Number of Shares Purchased (in shares)		3,515,164	3,571,100	0	1,027,798	1,359,893	0	9,473,955
Average Price paid per Share (in usd per share)		$ 18.24	$ 19.07	$ 0	$ 21.35	$ 20.63	$ 0	$ 19.24
Dollar Value of Shares That May Yet Be Purchased Under the Plans or Programs		$ 17,761,000	$ 81,890,000	$ 150,000,000	$ 150,000,000	$ 171,945,000	$ 200,000,000	$ 17,761,000
Value of shares repurchased								182,000,000
Remaining authorized repurchase amount		$ 18,000,000						$ 18,000,000
Subsequent Event
Class of Stock [Line Items]
Average Price paid per Share (in usd per share)	$ 18.40

Shareholders' Equity - Treasury

Shareholders' Equity - Treasury Stock (Details) - USD ($) $ in Thousands	12 Months Ended			47 Months Ended	59 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2013	Dec. 31, 2017	Dec. 31, 2018
Equity [Abstract]
Number of shares withheld to cover income taxes related to vesting of RSUs (in shares)	9,725,957	252,002		252,002	9,725,957
Treasury stock value	$ 187,930	$ 5,370		$ 5,370	$ 187,930
Number of shares repurchased (in shares)			3,154
Number of shares withheld for income tax (in shares)	0	157,407		248,848	248,848

Shareholders' Equity - Summary

Shareholders' Equity - Summary of Changes in Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Increase (Decrease) in Accumulated Other Comprehensive Loss [Roll Forward]
Beginning balance	$ 6,465,702	$ 5,238,619	$ 4,432,549
Ending balance	7,018,358	6,465,702	5,238,619
Unrealized Gains (Losses) on Cash Flow Hedges
Increase (Decrease) in Accumulated Other Comprehensive Loss [Roll Forward]
Beginning balance	44,262	28,259	2,125
Other comprehensive income (loss) before reclassifications (gross)	17,802	21,962	(1,324)
Amounts (gross) reclassified out of accumulated other comprehensive income	(28,549)	(5,959)	27,458
Ending balance	33,515	44,262	28,259
Accumulated Other Comprehensive Income (Loss)
Accumulated Other Comprehensive Income Loss [Line Items]
Cumulative-effect adjustment upon adoption of ASU	6,149
Increase (Decrease) in Accumulated Other Comprehensive Loss [Roll Forward]
Beginning balance	44,262	28,259	2,125
Ending balance	$ 33,515	$ 44,262	$ 28,259

Shareholders' Equity - Reclassi

Shareholders' Equity - Reclassification of Amounts out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income On Derivatives [Line Items]
Cash flow hedges									$ 1,111,760	$ 947,734	$ 807,484
Tax expense (benefit)									276,342	(368,798)	394,245
Net income	$ (104,338)	$ (231,948)	$ (335,026)	$ (244,614)	$ (577,449)	$ (198,569)	$ (257,898)	$ (138,891)	(915,926)	(1,172,807)	(766,466)
Unrealized Gains (Losses) on Cash Flow Hedges
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income On Derivatives [Line Items]
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax									28,549	5,959	(27,458)
Reclassification out of Accumulated Other Comprehensive Income | Unrealized Gains (Losses) on Cash Flow Hedges
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income On Derivatives [Line Items]
Cash flow hedges									(37,710)	(6,060)	43,898
Tax expense (benefit)									9,161	$ 101	(16,440)
Net income									$ (28,549)		$ 27,458

Shareholders' Equity - Dividend

Shareholders' Equity - Dividends (Details) - $ / shares	1 Months Ended	3 Months Ended				12 Months Ended
	Jan. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2018	Dec. 31, 2017
Equity [Abstract]
Dividends paid per common share (in usd per share)		$ 0.20	$ 0.20	$ 0.05	$ 0.05	$ 0.50	$ 0.03
Subsequent Event
Dividends Payable [Line Items]
Dividends declared per common share (in usd per share)	$ 0.20

Investment Gains (Losses), Ne_2

Investment Gains (Losses), Net - Components of Investment Gains (Losses), Net (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Investments, Debt and Equity Securities [Abstract]
Gain (loss) on sale of loans and leases	$ (22,250)	$ 17,554	$ (11,549)
Lower of cost or market adjustments	(382,317)	(386,060)	(423,616)
Other gains / (losses and impairments)	2,929	2,067	(9,594)
Investment gains (losses), net	$ (401,638)	$ (366,439)	$ (444,759)

Investment Gains (Losses), Ne_3

Investment Gains (Losses), Net - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Investments, Debt and Equity Securities [Abstract]
Lower of cost or market adjustment, customer default activity	$ 404,651	$ 451,672	$ 429,106
Lower of cost or market, net favorable adjustments	$ 22,334	$ 65,612	$ 14,403

Quarterly Financial Data (una_3

Quarterly Financial Data (unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Total finance and other interest income	$ 1,877,418	$ 1,818,748	$ 1,757,397	$ 1,679,955	$ 1,652,589	$ 1,682,615	$ 1,658,554	$ 1,660,207	$ 7,133,518	$ 6,653,965	$ 6,529,596
Net finance and other interest income	1,138,560	1,144,089	1,123,109	1,080,244	1,045,452	1,092,360	1,126,959	1,142,947	4,486,002	4,407,718	4,726,653
Provision for credit losses	690,786	597,914	406,544	510,341	598,294	571,011	523,280	671,226	2,205,585	2,363,811	2,468,200
Income (loss) before income taxes	143,633	296,822	449,146	302,667	(23,833)	276,448	337,216	214,178	1,192,268	804,009	1,160,711
Net income (loss)	$ 104,338	$ 231,948	$ 335,026	$ 244,614	$ 577,449	$ 198,569	$ 257,898	$ 138,891	$ 915,926	$ 1,172,807	$ 766,466
Net income (loss) per common share (basic) (in usd per share)	$ 0.29	$ 0.64	$ 0.93	$ 0.68	$ 1.60	$ 0.55	$ 0.72	$ 0.39	$ 2.55	$ 3.26	$ 2.14
Net income (loss) per common share (diluted) (in usd per share)	$ 0.29	$ 0.64	$ 0.93	$ 0.68	$ 1.60	$ 0.55	$ 0.72	$ 0.39	$ 2.54	$ 3.26	$ 2.13
Allowance for credit losses	$ 3,240,376	$ 3,305,186	$ 3,320,792	$ 3,320,821	$ 3,352,818	$ 3,431,663	$ 3,487,247	$ 3,461,108	$ 3,240,376	$ 3,352,818
Finance receivables held for investment, net	25,117,454	24,839,583	24,057,164	22,551,646	22,394,286	22,637,992	23,613,749	23,435,252	25,117,454	22,394,286
Total assets	43,959,855	42,806,955	41,157,189	40,028,740	39,402,799	38,746,090	39,489,340	39,054,690	43,959,855	39,402,799
Total equity	$ 7,018,358	$ 7,141,215	$ 7,033,636	$ 6,713,532	$ 6,465,702	$ 5,873,102	$ 5,667,419	$ 5,414,462	$ 7,018,358	$ 6,465,702	$ 5,238,619	$ 4,432,549