General Motors Financial (ACF) 10-Q 21 Oct 15 2015 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information Document - shares	9 Months Ended
	Sep. 30, 2015	Oct. 21, 2015
Document and Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q3
Trading Symbol	acf
Entity Registrant Name	General Motors Financial Company, Inc.
Entity Central Index Key	804,269
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Common Stock, Shares Outstanding		505

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents	$ 1,602	$ 2,974
Finance receivables, net	35,074	33,000
Leased vehicles, net	16,915	7,060
Restricted cash	1,928	2,071
Goodwill	1,243	1,244
Equity in net assets of non-consolidated affiliates	978	0
Property and equipment, net of accumulated depreciation of $81 and $59	207	172
Deferred income taxes	236	341
Related party receivables	589	384
Other assets	774	478
Total assets	59,546	47,724
Liabilities:
Secured debt	28,284	25,214
Unsecured debt	19,975	12,217
Accounts payable and accrued expenses	1,094	1,002
Deferred income	1,205	392
Deferred income taxes	84	20
Related party taxes payable	649	636
Related party payables	527	433
Other liabilities	324	418
Total liabilities	$ 52,142	$ 40,332
Commitments and contingencies
Shareholder's equity:
Common stock, $1.00 par value per share, 1,000 shares authorized and 505 shares issued	$ 0	$ 0
Additional paid-in capital	5,819	5,799
Accumulated other comprehensive loss	(956)	(433)
Retained earnings	2,541	2,026
Total shareholder's equity	7,404	7,392
Total liabilities and shareholder's equity	$ 59,546	$ 47,724

Condensed Consolidated Balance3

Condensed Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Common Stock, Number of Shares, Par Value and Other Disclosures [Abstract]
Entity common stock, shares authorized	1,000	1,000
Entity common stock, shares issued	505	505
Common stock par value per share	$ 1	$ 1
Accumulated depreciation	$ 81	$ 59

Condensed Consolidated Statemen

Condensed Consolidated Statements Of Income And Comprehensive Income - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Revenue
Finance charge income	$ 842	$ 883	$ 2,544	$ 2,595
Leased vehicle income	797	297	1,827	735
Other income	68	81	205	219
Total revenue	1,707	1,261	4,576	3,549
Costs and expenses
Salaries and benefits	185	158	531	448
Other operating expenses	135	139	414	398
Total operating expenses	320	297	945	846
Leased vehicle expenses	629	228	1,423	563
Provision for loan losses	144	160	440	408
Interest expense	412	368	1,183	1,037
Total costs and expenses	1,505	1,053	3,991	2,854
Equity income	29	0	85	0
Income before income taxes	231	208	670	695
Income tax provision	52	50	155	217
Net income	179	158	515	478
Other comprehensive income (loss)
Defined benefit plans, net	0	0	1	0
Foreign currency translation adjustment	(282)	(272)	(524)	(218)
Other comprehensive (loss) income, net	(282)	(272)	(523)	(218)
Comprehensive (loss) income	$ (103)	$ (114)	$ (8)	$ 260

Condensed Consolidated Stateme5

Condensed Consolidated Statements Of Cash Flows - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Statement of Cash Flows [Abstract]
Net cash provided by operating activities	$ 2,167	$ 1,400
Cash flows from investing activities:
Purchases of consumer finance receivables, net	(13,099)	(10,850)
Principal collections and recoveries on consumer finance receivables	8,718	8,124
Net funding of commercial finance receivables	(179)	(408)
Purchases of leased vehicles, net	(11,258)	(3,227)
Proceeds from termination of leased vehicles	662	395
Acquisition of international operations	(1,049)	(46)
Disposition of equity interest	125	0
Purchases of property and equipment	(64)	(37)
Change in restricted cash	(236)	(187)
Change in other assets	24	(2)
Net cash used in investing activities	(16,356)	(6,238)
Cash flows from financing activities:
Net change in debt (original maturities less than three months)	539	(913)
Borrowings and issuance of secured debt	15,095	15,847
Payments on secured debt	(10,903)	(13,568)
Borrowings and issuance of unsecured debt	9,559	5,403
Payments on unsecured debt	(1,195)	(1,339)
Debt issuance costs	(124)	(107)
Net cash provided by financing activities	12,971	5,323
Net (decrease) increase in cash and cash equivalents	(1,218)	485
Effect of foreign exchange rate changes on cash and cash equivalents	(154)	(42)
Cash and cash equivalents at beginning of period	2,974	1,074
Cash and cash equivalents at end of period	1,602	1,517
Supplemental cash flow information:
Subvention receivable from GM	405	164
Commercial loan funding payable to GM	$ 498	$ 597

Summary of Significant Accounti

Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2015
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies Basis of Presentation The condensed consolidated financial statements include our accounts and the accounts of our wholly-owned subsidiaries, including certain special-purpose financing entities utilized in secured financing transactions, which are considered variable interest entities ("VIEs"). All intercompany transactions and balances have been eliminated in consolidation. The interim period consolidated financial statements, including the notes thereto, are condensed and do not include all disclosures required by generally accepted accounting principles ("GAAP") in the United States of America. These interim period condensed consolidated financial statements should be read in conjunction with the consolidated financial statements that are included in our Annual Report on Form 10-K filed on February 4, 2015 ("Form 10-K"). Certain prior period amounts were reclassified to conform to our current year presentation. The condensed consolidated financial statements at September 30, 2015 , and for the three and nine months ended September 30, 2015 and 2014 , are unaudited and, in management’s opinion, include all adjustments, consisting of normal recurring adjustments, necessary for a fair presentation of the results for such interim periods. The results for interim periods are not necessarily indicative of results for a full year. Segment Information We offer substantially similar products and services throughout many different regions, subject to local regulations and market conditions. We evaluate our business in two operating segments: North America (the "North America Segment") and international (the "International Segment"). The North America Segment includes our operations in the U.S. and Canada. The International Segment includes our operations in all other countries. For additional financial information regarding our business segments, see Note 13 - "Segment Reporting." Related Party Transactions We are the wholly-owned captive finance subsidiary of General Motors Company ("GM"). We offer loan and lease finance products through GM-franchised dealers to consumers purchasing new and certain used vehicles manufactured by GM and make commercial loans directly to GM-franchised dealers and their affiliates. Under subvention programs, GM makes cash payments to us for offering incentivized rates and structures on consumer loan and lease finance products. In addition, GM makes payments to us to cover certain interest payments on commercial loans. In our International Segment, we provide limited funding to GM for new and used vehicles awaiting delivery to dealers. At September 30, 2015 and December 31, 2014 , we had related party receivables from GM in the amount of $589 million and $384 million , primarily related to subvention. At September 30, 2015 and December 31, 2014 , we had $186 million and $176 million in commercial loans outstanding to dealers that are consolidated by GM. Prior to January 1, 2015, we provided financing to certain GM subsidiaries through factoring and other wholesale financing arrangements. At December 31, 2014 , $289 million was outstanding under such arrangements, and was included in commercial finance receivables. No amounts were outstanding at September 30, 2015 . At September 30, 2015 and December 31, 2014 , we had $527 million and $433 million of related party payables due to GM, primarily for commercial finance receivables originated but not yet funded. These payables typically settle within 30 days . We have a tax sharing agreement with GM for our U.S. operations. Under our tax sharing arrangement with GM, payments related to our U.S. operations for the tax years 2012 through 2014 were deferred for four years from their original due date. At September 30, 2015 and December 31, 2014 , $649 million and $636 million was due to GM under the related party tax sharing agreement. We have a Support Agreement with GM (the "Support Agreement"), which provides that, if our earning assets leverage at the end of any calendar quarter is higher than thresholds set in the Support Agreement, we may require GM to provide funding sufficient to bring our earning assets leverage to within the appropriate threshold. In determining our earning assets leverage (net earning assets divided by adjusted equity) under the Support Agreement, net earning assets means our finance receivables, net, plus leased vehicles, net, and adjusted equity means our equity, net of goodwill and inclusive of outstanding junior subordinated debt, as each may be adjusted for derivative accounting from time to time. At September 30, 2015 , our earning assets leverage ratio was 8.4 , which is below the applicable ratio of 9.5 . Additionally, the Support Agreement provides that GM will own all of our outstanding voting shares as long as we have any unsecured debt securities outstanding and that GM will use its commercially reasonable efforts to ensure that we will continue to be designated as a subsidiary borrower on $4.0 billion under GM’s corporate revolving credit facilities. GM also agreed to certain provisions intended to ensure that we maintain adequate access to liquidity. Pursuant to these provisions, GM provided us with a $1.0 billion unsecured intercompany revolving credit facility (the “Junior Subordinated Revolving Credit Facility”). There were no advances outstanding under the Junior Subordinated Revolving Credit Facility at September 30, 2015 or December 31, 2014 . Accounting Standards Not Yet Adopted In May 2014 the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update 2014-09, "Revenue Recognition - Revenue from Contracts with Customers" ("ASU 2014-09") which requires companies to recognize revenue when a customer obtains control rather than when companies have transferred substantially all risks and rewards of a good or service and requires expanded disclosures. ASU 2014-09 was originally effective for annual reporting periods beginning on or after December 15, 2016 and interim periods therein. In July 2015 the FASB issued a deferral of ASU 2014-09 of one year, making it effective for annual reporting periods beginning on or after December 15, 2017 while also providing for early adoption, but not before the original effective date. We are currently assessing the impact the adoption of ASU 2014-09 will have on our consolidated financial statements. In April 2015 the FASB issued Accounting Standards Update 2015-03, "Interest - Imputation of Interest" ("ASU 2015-03") which requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. ASU 2015-03 is effective for annual reporting periods beginning on or after December 15, 2015 and interim periods within fiscal years beginning after December 15, 2016. In August 2015 the FASB issued an amendment pursuant to an SEC staff announcement at the June 18, 2015 Emerging Issues Task Force ("EITF") meeting on ASU 2015-03, which addresses the presentation and subsequent measurement of debt issuance costs associated with line of credit arrangements. We are currently assessing the impact the adoption of ASU 2015-03 will have on our consolidated financial statements.

Acquisition of Ally Financial I

Acquisition of Ally Financial International Operations	9 Months Ended
	Sep. 30, 2015
Business Combinations [Abstract]
Acquisition of Ally Financial International Operations	Acquisition of Ally Financial International Operations In November 2012, we entered into a definitive agreement with Ally Financial to acquire the outstanding equity interests in the top-level holding companies of its automotive finance and financial services operations in Europe and Latin America and a separate agreement to acquire Ally Financial's non-controlling equity interest in SAIC-GMAC Automotive Finance Company Limited ("SAIC-GMAC"), which conducts auto finance operations in China. During 2013, we completed the acquisition of Ally Financial's European and Latin American auto finance and financial services operations. The aggregate consideration for these acquisitions was $3.3 billion . In addition, we repaid debt of $1.4 billion that was assumed as part of the acquisitions. We recorded the fair value of the assets acquired and liabilities assumed on the acquisition date. On January 2, 2015, we completed the acquisition of Ally Financial's 40% equity interest in SAIC-GMAC. The aggregate purchase price was $1.0 billion . Also on January 2, 2015, we sold a 5% equity interest in SAIC-GMAC to Shanghai Automotive Group Finance Company Ltd. (“SAIC FC”), a current shareholder of SAIC-GMAC, for proceeds of $125 million . As a result of these transactions, we own a 35% equity interest in SAIC-GMAC. We account for our ownership interest in SAIC-GMAC using the equity method of accounting. The difference between the carrying amount of our investment and our share of the underlying net assets of SAIC-GMAC at the time of acquisition was $371 million , which was primarily related to goodwill. We determined the acquisition date fair values of the identifiable assets acquired and liabilities assumed in accordance with ASC 805, "Business Combinations" ("ASC 805"). Income resulting from the equity investment in SAIC-GMAC is included in our results beginning January 2, 2015. Equity income from SAIC-GMAC recorded in the three and nine months ended September 30, 2015 was $29 million and $85 million . If the acquisition had occurred on January 1, 2014, our consolidated net income for the three and nine months ended September 30, 2014 would have been $183 million and $561 million .

Finance Receivables

Finance Receivables	9 Months Ended
	Sep. 30, 2015
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Finance Receivables	Finance Receivables Our pre-acquisition and post-acquisition consumer finance portfolios are now reported on a combined basis, due to the diminished size of the pre-acquisition portfolio, which was $189 million at September 30, 2015 and $459 million at December 31, 2014 . The finance receivables portfolio consists of the following (in millions): September 30, 2015 December 31, 2014 North America International Total North America International Total Consumer Consumer finance receivables, collectively evaluated for impairment, net of fees (a) $ 15,479 $ 10,993 $ 26,472 $ 12,127 $ 12,262 $ 24,389 Consumer finance receivables, individually evaluated for impairment, net of fees 1,515 — 1,515 1,234 — 1,234 Total consumer finance receivables (b) 16,994 10,993 27,987 13,361 12,262 25,623 Less: allowance for loan losses - collective (408 ) (95 ) (503 ) (405 ) (78 ) (483 ) Less: allowance for loan losses - specific (215 ) — (215 ) (172 ) — (172 ) Total consumer finance receivables, net 16,371 10,898 27,269 12,784 12,184 24,968 Commercial Commercial finance receivables, collectively evaluated for impairment, net of fees 3,498 4,295 7,793 3,180 4,803 7,983 Commercial finance receivables, individually evaluated for impairment, net of fees 5 47 52 — 89 89 Total commercial finance receivables 3,503 4,342 7,845 3,180 4,892 8,072 Less: allowance for loan losses - collective (20 ) (13 ) (33 ) (21 ) (14 ) (35 ) Less: allowance for loan losses - specific (1 ) (6 ) (7 ) — (5 ) (5 ) Total commercial finance receivables, net 3,482 4,323 7,805 3,159 4,873 8,032 Total finance receivables, net $ 19,853 $ 15,221 $ 35,074 $ 15,943 $ 17,057 $ 33,000 ________________ (a) Amounts reported in the International Segment include $1.1 billion and $1.0 billion of direct-financing leases at September 30, 2015 and December 31, 2014 . (b) Net of unamortized premiums and discounts, and deferred fees and costs of $167 million and $245 million at September 30, 2015 and December 31, 2014 . Consumer Finance Receivables Following is a summary of activity in our consumer finance receivables portfolio (in millions): Nine Months Ended September 30, 2015 2014 North America International Total North America International Total Consumer finance receivables, net of fees - beginning of period $ 13,361 $ 12,262 $ 25,623 $ 11,388 $ 11,742 $ 23,130 Loans purchased 8,070 5,037 13,107 4,874 6,255 11,129 Principal collections and other (3,818 ) (4,318 ) (8,136 ) (3,102 ) (4,622 ) (7,724 ) Charge-offs (609 ) (101 ) (710 ) (543 ) (102 ) (645 ) Foreign currency translation (10 ) (1,887 ) (1,897 ) (2 ) (672 ) (674 ) Balance at end of period $ 16,994 $ 10,993 $ 27,987 $ 12,615 $ 12,601 $ 25,216 A summary of the activity in the allowance for consumer loan losses is as follows (in millions): Three Months Ended September 30, 2015 2014 North America International Total North America International Total Balance at beginning of period $ 627 $ 94 $ 721 $ 515 $ 60 $ 575 Provision for loan losses 106 35 141 119 43 162 Charge-offs (221 ) (35 ) (256 ) (194 ) (36 ) (230 ) Recoveries 111 13 124 96 10 106 Foreign currency translation — (12 ) (12 ) — (5 ) (5 ) Balance at end of period $ 623 $ 95 $ 718 $ 536 $ 72 $ 608 Nine Months Ended September 30, 2015 2014 North America International Total North America International Total Balance at beginning of period $ 577 $ 78 $ 655 $ 468 $ 29 $ 497 Provision for loan losses 334 103 437 312 109 421 Charge-offs (609 ) (101 ) (710 ) (543 ) (102 ) (645 ) Recoveries 321 36 357 299 41 340 Foreign currency translation — (21 ) (21 ) — (5 ) (5 ) Balance at end of period $ 623 $ 95 $ 718 $ 536 $ 72 $ 608 Consumer Credit Quality We use proprietary scoring systems in the underwriting process that measure the credit quality of the receivables using several factors, such as credit bureau information, consumer credit risk scores (e.g. FICO score), and contract characteristics. In addition to our proprietary scoring system, we consider other individual consumer factors, such as employment history, financial stability, and capacity to pay. At the time of loan origination, substantially all of the consumers in our International Segment have the equivalent of prime credit scores. In the North America Segment, while we historically focused on consumers with lower than prime credit scores, we are expanding our prime and near-prime lending programs. A summary of the credit risk profile by FICO score band, determined at origination, of the consumer finance receivables in the North America Segment is as follows (dollars in millions): September 30, 2015 December 31, 2014 Amount Percent Amount Percent Prime - FICO Score 680 and greater $ 3,245 19.1 % $ 596 4.4 % Near-prime - FICO Score 620 to 679 2,747 16.2 % 1,691 12.7 Sub-prime - FICO Score less than 620 11,002 64.7 % 11,074 82.9 Balance at end of period $ 16,994 100.0 % $ 13,361 100.0 % In addition, we review the credit quality of all of our consumer finance receivables based on consumer payment activity. A consumer account is considered delinquent if a substantial portion of a scheduled payment has not been received by the date such payment was contractually due. Consumer finance receivables are collateralized by vehicle titles and, subject to local laws, we generally have the right to repossess the vehicle in the event the consumer defaults on the payment terms of the contract. The following is a summary of the contractual amounts of delinquent consumer finance receivables, which is not significantly different than recorded investment, that are (i) more than 30 days delinquent, but not yet in repossession and (ii) in repossession, but not yet charged off (dollars in millions): September 30, 2015 September 30, 2014 North America International Total Percent of Contractual Amount Due North America International Total Percent of Contractual Amount Due 31 - 60 days $ 1,039 $ 98 $ 1,137 4.0 % $ 865 $ 114 $ 979 3.9 % Greater than 60 days 362 92 454 1.6 305 120 425 1.7 1,401 190 1,591 5.6 1,170 234 1,404 5.6 In repossession 47 6 53 0.2 44 5 49 0.2 $ 1,448 $ 196 $ 1,644 5.8 % $ 1,214 $ 239 $ 1,453 5.8 % The accrual of finance charge income has been suspended on $726 million and $682 million of consumer finance receivables (based on contractual amount due) at September 30, 2015 and December 31, 2014 . Impaired Consumer Finance Receivables - TDRs Consumer finance receivables that become classified as troubled debt restructurings ("TDRs") are separately assessed for impairment. A specific allowance is estimated based on the present value of the expected future cash flows of the receivable discounted at the loan's original effective interest rate. The financial effects of the accounts that become classified as TDRs result in an impairment charge recorded as part of the provision for loan losses. Accounts that become classified as TDRs because of a payment deferral still accrue interest at the contractual rate and an additional fee is collected (where permitted) at each time of deferral and recorded as a reduction of accrued interest. No interest or fees are forgiven on a payment deferral to a customer; therefore, there are no additional financial effects of deferred loans becoming classified as TDRs. Accounts in the U.S. in Chapter 13 bankruptcy would have already been placed on non-accrual; therefore, there are no additional financial effects from these loans becoming classified as TDRs. Finance charge income from loans classified as TDRs is accounted for in the same manner as other accruing loans. Cash collections on these loans are allocated according to the same payment hierarchy methodology applied to loans that are not classified as TDRs. At September 30, 2015 and December 31, 2014 , the outstanding balance of consumer finance receivables in the International Segment determined to be TDRs was insignificant ; therefore, the following information is presented with regard to the TDRs in the North America Segment only (in millions): September 30, 2015 December 31, 2014 Outstanding recorded investment $ 1,515 $ 1,234 Less: allowance for loan losses (215 ) (172 ) Outstanding recorded investment, net of allowance $ 1,300 $ 1,062 Unpaid principal balance $ 1,543 $ 1,255 Additional information about loans classified as TDRs is presented below (in millions, except for number of loans): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Average recorded investment $ 1,403 $ 1,057 $ 1,361 $ 937 Finance charge income recognized (a) $ 41 $ 33 $ 122 $ 92 Number of loans classified as TDRs during the period 16,122 13,543 42,246 35,748 Recorded investment of loans classified as TDRs during the period $ 270 $ 232 $ 716 $ 598 _________________ (a) Amounts presented for the three and nine months ended September 30, 2014 have been corrected from amounts previously presented. A redefault is when an account meets the requirements for evaluation under our charge-off policy (See Note 1 - "Summary of Significant Accounting Policies" in our Form 10-K for additional information). The unpaid principal balance, net of recoveries, of loans that redefaulted during the reporting period and were within 12 months of being modified as a TDR was insignificant for the three and nine months ended September 30, 2015 and 2014 . Commercial Finance Receivables Following is a summary of activity in our commercial finance receivables portfolio (in millions): Nine Months Ended September 30, 2015 2014 North America International Total North America International Total Commercial finance receivables, net of fees - beginning of period $ 3,180 $ 4,892 $ 8,072 $ 1,975 $ 4,725 $ 6,700 Net funding (collections) of commercial finance receivables 373 (81 ) 292 551 144 695 Charge-offs — — — — — — Foreign currency translation (50 ) (469 ) (519 ) (13 ) (231 ) (244 ) Balance at end of period $ 3,503 $ 4,342 $ 7,845 $ 2,513 $ 4,638 $ 7,151 Commercial Credit Quality We extend wholesale credit to dealers primarily in the form of approved lines of credit to purchase new vehicles as well as used vehicles. Each commercial lending request is evaluated, taking into consideration the borrower's financial condition and the underlying collateral for the loan. We use proprietary models to assign each dealer a risk rating. These models use historical performance data to identify key factors about a dealer that we consider significant in predicting a dealer's ability to meet its financial obligations. We also consider numerous other financial and qualitative factors including, but not limited to, capitalization and leverage, liquidity and cash flow, profitability and credit history. We regularly review our models to confirm the continued business significance and statistical predictability of the factors and update the models to incorporate new factors or other information that improves statistical predictability. In addition, we verify the existence of the assets collateralizing the receivables by physical audits of vehicle inventories, which are performed with increased frequency for higher risk (i.e., Groups III, IV, V and VI) dealers. We perform a credit review of each dealer at least annually and adjust the dealer's risk rating, if necessary. The credit lines for Group VI dealers are typically suspended and no further funding is extended to these dealers. Performance of our commercial finance receivables is evaluated based on our internal dealer risk rating analysis, as payment for wholesale receivables is generally not required until the dealer has sold the vehicle inventory. All receivables from the same dealer customer share the same risk rating. A summary of the credit risk profile by dealer grouping of the commercial finance receivables is as follows (in millions): September 30, 2015 December 31, 2014 Group I - Dealers with superior financial metrics $ 1,191 $ 1,062 Group II - Dealers with strong financial metrics 2,354 2,090 Group III - Dealers with fair financial metrics 2,571 2,856 Group IV - Dealers with weak financial metrics 1,114 1,250 Group V - Dealers warranting special mention due to potential weaknesses 409 559 Group VI - Dealers with loans classified as substandard, doubtful or impaired 206 255 Balance at end of period $ 7,845 $ 8,072 At September 30, 2015 and December 31, 2014 substantially all of our commercial finance receivables were current with respect to payment status and none were classified as TDRs. Activity in the allowance for commercial loan losses was insignificant for the three and nine months ended September 30, 2015 and 2014 .

Leased Vehicles

Leased Vehicles	9 Months Ended
	Sep. 30, 2015
Property Subject to or Available for Operating Lease, Net [Abstract]
Leased Vehicles	Leased Vehicles Our operating lease program is offered primarily in the North America Segment. The following information regarding our leased vehicles is presented on a consolidated basis (in millions): September 30, 2015 December 31, 2014 Leased vehicles $ 22,913 $ 9,747 Manufacturer incentives (3,764 ) (1,479 ) 19,149 8,268 Less: accumulated depreciation (2,234 ) (1,208 ) Leased vehicles, net $ 16,915 $ 7,060 At September 30, 2015 and December 31, 2014 , our Canadian subsidiary was servicing $32 million and $110 million of leased vehicles for a third party. The following table summarizes minimum rental payments due to us as lessor under operating leases (in millions): Years Ending December 31, 2015 2016 2017 2018 2019 Minimum rental payments under operating leases $ 720 $ 2,749 $ 2,219 $ 1,001 $ 86

Restricted Cash

Restricted Cash	9 Months Ended
	Sep. 30, 2015
Cash and Cash Equivalents [Abstract]
Restricted Cash	Restricted Cash The following table summarizes the components of restricted cash (in millions): September 30, 2015 December 31, 2014 Revolving credit facilities $ 378 $ 326 Securitization notes payable - consumer 1,452 1,330 Securitization notes payable - commercial 56 65 Other 42 350 Total restricted cash $ 1,928 $ 2,071 Restricted cash for securitization notes payable and revolving credit facilities is comprised of funds deposited in restricted cash accounts as collateral required to support securitization transactions or to provide additional collateral for borrowings under revolving credit facilities. Additionally, these funds include monthly collections from borrowers that have not yet been used for repayment of debt. At December 31, 2014 , other restricted cash was primarily comprised of interest-bearing cash in Brazil held in escrow pending resolution of tax and civil litigation. At September 30, 2015 , these amounts are classified as deposits and are included in other assets on the condensed consolidated balance sheet.

Equity in Net Assets of Non-con

Equity in Net Assets of Non-consolidated Affiliates	9 Months Ended
	Sep. 30, 2015
Noncontrolling Interest [Abstract]
Equity in Net Assets of Non-consolidated Affiliates	Equity in Net Assets of Non-consolidated Affiliates Non-consolidated affiliates are entities in which an equity ownership interest is maintained and for which the equity method of accounting is used due to the ability to exert significant influence over decisions relating to their operating and financial affairs. In January 2015, we completed the acquisition of Ally Financial's equity interest in SAIC-GMAC. See Note 2 - "Acquisition of Ally Financial International Operations" for additional information. The income of SAIC-GMAC is not consolidated into our financial statements; rather, our proportionate share of the earnings is reflected as equity income. At September 30, 2015 , we had undistributed earnings of $85 million related to SAIC-GMAC.

Debt

Debt	9 Months Ended
	Sep. 30, 2015
Debt Disclosure [Abstract]
Debt	Debt Debt consists of the following (in millions): September 30, 2015 December 31, 2014 North America International Total North America International Total Secured Debt Revolving credit facilities $ 3,353 $ 4,502 $ 7,855 $ 1,701 $ 5,327 $ 7,028 Securitization notes payable - consumer 15,498 2,825 18,323 13,253 2,868 16,121 Securitization notes payable - commercial 1,250 856 2,106 500 1,565 2,065 Total secured debt $ 20,101 $ 8,183 $ 28,284 $ 15,454 $ 9,760 $ 25,214 Unsecured Debt Senior notes $ 15,111 $ 1,283 $ 16,394 $ 7,846 $ 604 $ 8,450 Credit facilities — 2,344 2,344 — 2,974 2,974 Other unsecured debt — 1,237 1,237 — 793 793 Total unsecured debt $ 15,111 $ 4,864 $ 19,975 $ 7,846 $ 4,371 $ 12,217 Secured Debt Most of the secured debt was issued by VIEs and is repayable only from proceeds related to the underlying pledged finance receivables and leases. Refer to Note 8 - "Variable Interest Entities" for additional information relating to our involvement with VIEs. During the nine months ended September 30, 2015 , we issued securitization notes payable of $9.4 billion through securitization transactions, and we entered into new credit facilities or renewed credit facilities with a total additional net borrowing capacity of $4.5 billion . Unsecured Debt In January 2015, our top-tier holding company issued $2.25 billion in senior notes comprised of $1.0 billion of 3.15% notes due in January 2020 , $1.0 billion of 4.0% notes due in January 2025 and $250 million in floating rate notes due in January 2020 . All of these notes are guaranteed by our principal operating subsidiary, AmeriCredit Financial Services, Inc. ("AFSI"). In February 2015, a European subsidiary issued €650 million of 0.85% notes under our Euro medium term notes program. These notes are due in February 2018 . All of these notes are guaranteed by our top-tier holding company and by AFSI. In April 2015, our top-tier holding company issued $2.4 billion in senior notes comprised of $850 million of 2.4% notes due in April 2018 , $1.25 billion of 3.45% notes due in April 2022 and $300 million of floating rate notes due in April 2018 . All of these notes are guaranteed by AFSI. In May 2015, our primary Canadian operating subsidiary issued CAD $500 million of 3.08% notes due in May 2020 . The notes are guaranteed by our top-tier holding company and by AFSI. In July 2015, our top-tier holding company issued $2.3 billion in senior notes comprised of $1.5 billion of 3.2% notes due in July 2020 and $800 million of 4.3% notes due in July 2025 . All of these notes are guaranteed by AFSI. Subsequent to September 30, 2015 , our top-tier holding company issued an additional $1.75 billion in senior notes comprised of $1.5 billion of 3.1% notes due in January 2019 and $250 million of floating rate notes due in January 2019 . All of these notes are guaranteed by AFSI. The International Segment utilizes unsecured credit facilities with banks as well as non-bank funding sources. During the nine months ended September 30, 2015 , we increased borrowing capacity on unsecured committed credit facilities by $246 million . During the three months ended September 30, 2015 , we began accepting deposits from retail banking customers in Germany. At September 30, 2015, the outstanding balance of these deposits was $611 million .

Variable Interest Entities

Variable Interest Entities	9 Months Ended
	Sep. 30, 2015
Variable Interest Entities [Abstract]
Variable Interest Entities	Variable Interest Entities Securitizations and credit facilities We use special purpose entities ("SPEs") that are considered VIEs to issue variable funding notes to third party bank-sponsored warehouse facilities or asset-backed securities to investors in securitization transactions. The debt issued by these VIEs is backed by finance receivables and leasing related assets transferred by us to the VIEs ("Securitized Assets"). We hold variable interests in the VIEs that could potentially be significant to the VIEs. We determined that we are the primary beneficiary of the SPEs because: (1) the servicing responsibilities for the Securitized Assets give us the power to direct the activities that most significantly impact the performance of the VIEs; and (2) the variable interests in the VIEs give us the obligation to absorb losses and the right to receive residual returns that could potentially be significant. The assets of the VIEs serve as the sole source of repayment for the debt issued by these entities. Investors in the notes issued by the VIEs do not have recourse to us or our other assets, with the exception of customary representation and warranty repurchase provisions and indemnities that we provide as the servicer. We are not required and do not currently intend to provide additional financial support to these SPEs. While these subsidiaries are included in our condensed consolidated financial statements, they are separate legal entities and their assets are legally owned by them and are not available to our creditors. We recognize finance charge, lease vehicle and fee income on the securitized assets and interest expense on the secured debt issued in a securitization transaction, and record a provision for loan losses to recognize probable loan losses inherent in the Securitized Assets. The following table summarizes the assets and liabilities of our consolidated VIEs related to securitization and credit facilities (in millions): September 30, 2015 December 31, 2014 Restricted cash $ 1,886 $ 1,721 Finance receivables, net $ 25,746 $ 23,109 Leased vehicle assets $ 7,202 $ 4,595 Secured debt $ 26,916 $ 22,794 These amounts are related to securitization and credit facilities held by consolidated VIEs. Liabilities recognized as a result of consolidating these entities generally do not represent claims against us or our other subsidiaries and assets recognized generally are for the benefit of these entities operations and cannot be used to satisfy our or our subsidiaries obligations. Other VIEs We consolidate certain operating entities that provide auto finance and financial services, which we do not control through a majority voting interest. We manage these entities and maintain a controlling financial interest in them and are exposed to the risks of ownership through contractual arrangements. The majority voting interests in these entities are indirectly wholly-owned by our parent, GM. The following table summarizes the assets and liabilities of these entities (in millions): September 30, 2015 December 31, 2014 Assets (a) $ 3,690 $ 3,696 Liabilities (b) $ 2,969 $ 3,184 _________________ (a) Comprised primarily of finance receivables of $3.2 billion and $3.6 billion at September 30, 2015 and December 31, 2014 . (b) Comprised primarily of debt of $2.6 billion and $2.5 billion at September 30, 2015 and December 31, 2014 . The following table summarizes the revenue and net income of these entities (in millions): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Total Revenue $ 41 $ 30 $ 122 $ 148 Net Income $ 6 $ 8 $ 25 $ 29 Transfers of finance receivables to non-VIEs Under certain debt agreements, we transfer finance receivables to entities which are not considered VIEs. These transfers do not meet the criteria to be considered sales; therefore, the finance receivables and the related debt are included in our condensed consolidated financial statements, similar to the treatment of finance receivables and related debt of our consolidated VIEs. Any collections received on the transferred receivables are available only for the repayment of the related debt. At September 30, 2015 and December 31, 2014 , $1.3 billion and $2.5 billion in finance receivables had been transferred in secured funding arrangements to such entities, to which $1.2 billion and $2.4 billion in secured debt was outstanding.

Derivative Financial Instrument

Derivative Financial Instruments And Hedging Activities	9 Months Ended
	Sep. 30, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments And Hedging Activities	Derivative Financial Instruments and Hedging Activities Derivative swap and cap agreements consist of the following (in millions): Fair Value Level September 30, 2015 December 31, 2014 Notional Fair Value Notional Fair Value Assets Interest rate swaps (a) 3 $ 3,166 $ 6 $ 1,652 $ 6 Interest rate caps (b) 2 4,380 8 2,123 6 Foreign currency swaps (b) 2 1,479 22 1,594 4 Total assets (c) $ 9,025 $ 36 $ 5,369 $ 16 Liabilities Interest rate swaps (a) 3 $ 6,775 $ 24 $ 5,627 $ 39 Interest rate caps (b) 2 3,981 8 1,804 6 Foreign currency swaps (b) 2 — — 1,044 1 Total liabilities (d) $ 10,756 $ 32 $ 8,475 $ 46 _________________ (a) The fair values of the interest rate swap agreements are estimated by discounting future net cash flows expected to be settled using current risk-adjusted rates. (b) The fair values of the interest rate cap agreements and foreign currency swap agreements are based on observable market inputs. (c) Included in other assets on the condensed consolidated balance sheets. (d) Included in other liabilities on the condensed consolidated balance sheets. We purchase interest rate cap agreements to limit floating rate exposures on certain of our revolving secured debt. We also utilize interest rate swap agreements to convert floating rate exposures on certain of our revolving debt or on securities issued in securitization transactions to fixed rates, thereby hedging the variability in interest expense paid. We use foreign currency swaps to hedge against valuation changes of certain financial instruments denominated in foreign currencies. The following table presents information on the effect of derivative instruments on the condensed consolidated statements of income and comprehensive income (in millions): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Non-designated hedges: Interest rate contracts (a) $ (13 ) $ (9 ) $ (12 ) $ (18 ) Foreign currency derivatives (b) 28 141 39 99 $ 15 $ 132 $ 27 $ 81 _________________ (a) Recognized in earnings as interest expense. (b) Activity is substantially offset by translation activity (included in operating expenses) related to foreign currency-denominated loans. The activity for interest rate swap agreements measured at fair value on a recurring basis using significant unobservable inputs (Level 3) was insignificant for the three and nine months ended September 30, 2015 and 2014 .

Fair Values Of Financial Instru

Fair Values Of Financial Instruments	9 Months Ended
	Sep. 30, 2015
Fair Value Of Financial Instruments [Abstract]
Fair Values of Financial Instruments	Fair Values of Financial Instruments Fair values are based on estimates using present value or other valuation techniques in cases where quoted market prices are not available. Those techniques are significantly affected by the assumptions used, including the discount rate and the estimated timing and amount of future cash flows. Therefore, the estimates of fair value may differ substantially from amounts that ultimately may be realized or paid at settlement or maturity of the financial instruments and those differences may be material. Disclosures about fair value of financial instruments exclude certain financial instruments and all non-financial instruments. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of our company. Estimated fair values, carrying values and various methods and assumptions used in valuing our financial instruments are set forth below (in millions): September 30, 2015 December 31, 2014 Carrying Value Estimated Fair Value Carrying Value Estimated Fair Value Financial assets: Cash and cash equivalents (a) $ 1,602 $ 1,602 $ 2,974 $ 2,974 Finance receivables, net (b) $ 35,074 $ 35,226 $ 33,000 $ 33,573 Restricted cash (a) $ 1,928 $ 1,928 $ 2,071 $ 2,071 Financial liabilities: Secured debt North America (c) $ 20,101 $ 20,150 $ 15,454 $ 15,497 International (d) $ 4,262 $ 4,263 $ 5,690 $ 5,694 International (e) $ 3,921 $ 3,877 $ 4,070 $ 4,037 Unsecured debt North America (f) $ 15,111 $ 15,051 $ 7,846 $ 8,092 International (g) $ 3,704 $ 3,693 $ 3,496 $ 3,507 International (e) $ 1,160 $ 1,159 $ 875 $ 880 _________________ (a) Cash and cash equivalents bear interest at market rates; therefore, carrying value is considered to be a reasonable estimate of fair value. (b) The fair value of level 3 consumer finance receivables in the North America Segment is estimated based upon forecasted cash flows on the receivables discounted using a pre-tax weighted-average cost of capital. The fair value of level 3 consumer finance receivables in the International Segment is estimated based on forecasted cash flows on the receivables discounted using current origination rates for similar type loans. The fair value of level 2 commercial finance receivables is assumed to be carrying value, as the receivables generally have variable interest rates and maturities of one year or less. (c) Secured debt in the North America Segment is comprised of revolving credit facilities, publicly-issued secured debt, and privately-issued secured debt, and is valued using level 2 inputs. For the revolving credit facilities with variable rates of interest and terms of one year or less, carrying value is considered to be a reasonable estimate of fair value. The fair value of the publicly-issued secured debt is based on quoted market prices of identical instruments in thinly-traded markets, when available. If quoted market prices are not available, and for determining the fair value of privately-issued secured debt, the market value is estimated using quoted market prices of similar securities. (d) The fair value of level 2 secured debt in the International Segment is assumed to be par value, as the debt has terms of one year or less, or has been priced within the last six months . (e) The fair value of level 3 secured debt and unsecured debt in the International Segment is estimated by discounting future net cash flows expected to be settled using current risk-adjusted rates. (f) The fair value of level 2 unsecured debt in the North America Segment is based on quoted market prices of identical instruments in thinly-traded markets. (g) The fair value of level 2 senior notes in the International Segment is based on quoted market prices of identical instruments in thinly-traded markets.The fair value of other unsecured level 2 debt in the International Segment is assumed to be par value, as the debt has terms of one year or less . The fair value of our consumer finance receivables is based on observable and unobservable inputs within a discounted cash flow model. Those unobservable inputs reflect assumptions regarding expected prepayments, deferrals, delinquencies, recoveries and charge-offs of the loans within the portfolio. The cash flow model produces an estimated amortization schedule of the finance receivables which is the basis for the calculation of the series of cash flows that derive the fair value of the portfolio. For the North America Segment, the series of cash flows is calculated and discounted using a weighted-average cost of capital using unobservable debt and equity percentages, an unobservable cost of equity and an observable cost of debt based on companies with a similar credit rating and maturity profile. For the International Segment, the series of cash flows is calculated and discounted using current interest rates. Macroeconomic factors could affect the credit performance of our portfolio and therefore could potentially impact the assumptions used in our cash flow model.

Commitments and Contingencies

Commitments and Contingencies	9 Months Ended
	Sep. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies Guarantees of Indebtedness The payments of principal and interest on senior notes issued by our top-tier holding company, our primary Canadian operating subsidiary and a European subsidiary under our Euro medium term note program are guaranteed by our primary U.S. operating subsidiary, AFSI. At September 30, 2015 and December 31, 2014 , the par value of these senior notes was $16.4 billion and $8.4 billion . See Note 16 - "Guarantor Condensed Consolidating Financial Statements" for further discussion. Legal Proceedings As a consumer finance company, we are subject to various consumer claims and litigation seeking damages and statutory penalties, based upon, among other things, usury, disclosure inaccuracies, wrongful repossession, violations of bankruptcy stay provisions, certificate of title disputes, fraud, breach of contract and discriminatory treatment of credit applicants. Some litigation against us could take the form of class action complaints by consumers and certain legal actions include claims for substantial compensatory and/or punitive damages or claims for indeterminate amounts of damages. We establish reserves for legal claims when payments associated with the claims become probable and the payments can be reasonably estimated. Given the inherent difficulty of predicting the outcome of litigation and regulatory matters, it is generally very difficult to predict what the eventual outcome will be, and when the matter will be resolved. The actual costs of resolving legal claims may be higher or lower than any amounts reserved for the claims. At September 30, 2015 , we estimated our reasonably possible legal exposure for unfavorable outcomes to be a range of up to $86 million and have accrued $38 million . In July 2014, we were served with a subpoena by the U.S. Department of Justice directing us to produce certain documents relating to our and our subsidiaries’ and affiliates’ origination and securitization of sub-prime automobile loans since 2007 in connection with an investigation by the U.S. Department of Justice in contemplation of a civil proceeding for potential violations of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. Among other matters, the subpoena requests information relating to the underwriting criteria used to originate these automobile loans and the representations and warranties relating to those underwriting criteria that were made in connection with the securitization of the automobile loans. We have subsequently been served with additional investigative subpoenas to produce documents from state attorneys general and other governmental offices relating to our consumer auto loan business and securitization of auto loans. In October 2014, we received a document request from the Securities and Exchange Commission in connection with its investigation into certain practices in sub-prime auto loan securitization. We are investigating these matters internally and believe we are cooperating with all requests. Such investigations could in the future result in the imposition of damages, fines or civil or criminal claims and/or penalties. No assurance can be given that the ultimate outcome of the investigations or any resulting proceedings would not materially and adversely affect us or any of our subsidiaries and affiliates. Other Administrative Tax Matters We accrue non-income tax liabilities for contingencies when management believes that a loss is probable and the amounts can be reasonably estimated, while contingent gains are recognized only when realized. In the event any losses are sustained in excess of accruals, they will be charged against income at that time. In evaluating indirect tax matters, we take into consideration factors such as our historical experience with matters of similar nature, specific facts and circumstances, and the likelihood of prevailing. We reevaluate and update our accruals as matters progress over time. It is reasonably possible that some of the matters for which accruals have not been established could be decided unfavorably to us and could require us to make expenditures for which we estimate the aggregate risk to be a range of up to $47 million .

Income Taxes

Income Taxes	9 Months Ended
	Sep. 30, 2015
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes For interim income tax reporting we estimate our annual effective tax rate and apply it to our year-to-date ordinary income. Tax jurisdictions with a projected or year-to-date loss for which a tax benefit cannot be realized are excluded from the annualized effective tax rate. The tax effects of unusual or infrequently occurring items, including changes in judgment about valuation allowances and effects of changes in tax laws or rates, are reported in the interim period in which they occur. In the three and nine months ended September 30, 2015 , income tax expense of $52 million and $155 million primarily resulted from tax expense attributable to entities included in our effective tax rate calculation, partially offset by tax benefits related to adjustments for finalizing prior year tax returns and an increase in certain U.S. federal tax credits. In the three and nine months ended September 30, 2014 , income tax expense of $50 million and $217 million primarily resulted from tax expense attributable to entities included in our effective tax rate calculation, partially offset by tax benefits related to settlements in various jurisdictions. We are included in GM’s consolidated U.S. federal income tax return and for certain states’ income tax returns. Income tax expense and deferred tax balances are presented in these financial statements as if we filed our own tax returns in each jurisdiction. The tax losses generated by us have been utilized by GM.

Segment Reporting

Segment Reporting	9 Months Ended
	Sep. 30, 2015
Segment Reporting [Abstract]
Segment Reporting	Segment Reporting We offer substantially similar products and services throughout many different regions, subject to local regulations and market conditions. We evaluate our business in two operating segments: the North America Segment (consisting of operations in the U.S. and Canada) and the International Segment (consisting of operations in all other countries). Our chief operating decision maker evaluates the operating results and performance of our business based on these operating segments. The management of each segment is responsible for executing our strategies. For segment reporting purposes only, interest expense related to the senior notes has been allocated based on targeted leverage for each segment. Interest expense in excess of the targeted overall leverage is reflected in the "Corporate" column below. In addition, the interest income on intercompany loans provided to the international operations is presented in the "Corporate" column as revenue. All inter-segment balances and transactions have been eliminated. Key financial data for our operating segments were as follows (in millions): Three Months Ended September 30, 2015 North International Corporate Eliminations Total Total revenue $ 1,302 $ 405 $ 2 $ (2 ) $ 1,707 Operating expenses, including leased vehicle expenses 811 138 — — 949 Provision for loan losses 106 38 — — 144 Interest expense 214 175 25 (2 ) 412 Equity income — 29 — — 29 Income before income taxes $ 171 $ 83 $ (23 ) $ — $ 231 Three Months Ended September 30, 2014 North International Corporate Eliminations Total Total revenue $ 759 $ 502 $ 14 $ (14 ) $ 1,261 Operating expenses, including leased vehicle expenses 366 159 — — 525 Provision for loan losses 119 41 — — 160 Interest expense 124 244 14 (14 ) 368 Income before income taxes $ 150 $ 58 $ — $ — $ 208 Nine Months Ended September 30, 2015 North International Corporate Eliminations Total Total revenue $ 3,293 $ 1,283 $ 13 $ (13 ) $ 4,576 Operating expenses, including leased vehicle expenses 1,946 422 — — 2,368 Provision for loan losses 335 105 — — 440 Interest expense 572 564 60 (13 ) 1,183 Equity income — 85 — — 85 Income before income taxes $ 440 $ 277 $ (47 ) $ — $ 670 Nine Months Ended September 30, 2014 North International Corporate Eliminations Total Total revenue $ 2,086 $ 1,463 $ 45 $ (45 ) $ 3,549 Operating expenses, including leased vehicle expenses 950 459 — — 1,409 Provision for loan losses 312 96 — — 408 Interest expense 320 706 56 (45 ) 1,037 Income before income taxes $ 504 $ 202 $ (11 ) $ — $ 695 September 30, 2015 December 31, 2014 North International Total North International Total Finance receivables, net $ 19,853 $ 15,221 $ 35,074 $ 15,943 $ 17,057 $ 33,000 Leased vehicles, net $ 16,843 $ 72 $ 16,915 $ 7,029 $ 31 $ 7,060 Total assets $ 41,065 $ 18,481 $ 59,546 $ 27,687 $ 20,037 $ 47,724

Accumulated Other Comprehensive

Accumulated Other Comprehensive (Loss) Income	9 Months Ended
	Sep. 30, 2015
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive (Loss) Income	Accumulated Other Comprehensive Loss A summary of changes in accumulated other comprehensive loss is as follows (in millions): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Defined benefit plans, net: Balance at beginning of period $ (10 ) $ 3 $ (11 ) $ 3 Unrealized gain on subsidiary pension — — 1 — Balance at end of period (10 ) 3 (10 ) 3 Foreign currency translation adjustment: Balance at beginning of period (664 ) 62 (422 ) 8 Translation loss (282 ) (272 ) (524 ) (218 ) Balance at end of period (946 ) (210 ) (946 ) (210 ) Total accumulated other comprehensive loss $ (956 ) $ (207 ) $ (956 ) $ (207 )

Regulatory Capital

Regulatory Capital	9 Months Ended
	Sep. 30, 2015
Regulatory Capital and Other Regulatory Matters [Abstract]
Regulatory Capital	Regulatory Capital The International Segment includes the operations of certain stand-alone entities that operate in local markets as either banks or regulated finance companies that are subject to regulatory restrictions. These regulatory restrictions, among other things, require that these entities meet certain minimum capital requirements and may restrict dividend distributions and ownership of certain assets. We were in compliance with all regulatory requirements at September 30, 2015 . Total assets of our regulated international banks and finance companies were approximately $10.8 billion and $11.4 billion at September 30, 2015 and December 31, 2014 .

Guarantor Condensed Consolidati

Guarantor Condensed Consolidating Financial Statements	9 Months Ended
	Sep. 30, 2015
Guarantor Consolidating Financial Statements [abstract]
Guarantor Condensed Consolidating Financial Statements	Guarantor Condensed Consolidating Financial Statements The payment of principal and interest on senior notes issued by our top-tier holding company is currently guaranteed solely by AFSI (the "Guarantor") and none of our other subsidiaries (the "Non-Guarantor Subsidiaries"). The Guarantor is a 100% owned consolidated subsidiary and is unconditionally liable for the obligations represented by the senior notes. The Guarantor’s guarantee may be released only upon customary circumstances, the terms of which vary by issuance. Customary circumstances include the sale or disposition of all of the Guarantor’s assets or capital stock, the achievement of investment grade rating of the senior notes and legal or covenant defeasance. The condensed consolidating financial statements present consolidating financial data for (i) General Motors Financial Company, Inc. (on a parent-only basis), (ii) the Guarantor, (iii) the combined Non-Guarantor Subsidiaries and (iv) the parent company and our subsidiaries on a consolidated basis at September 30, 2015 and December 31, 2014 , and for the three and nine months ended September 30, 2015 and 2014 (after the elimination of intercompany balances and transactions). Investments in subsidiaries are accounted for by the parent company using the equity method for purposes of this presentation. Results of operations of subsidiaries are therefore reflected in the parent company's investment accounts and earnings. The principal elimination entries set forth below eliminate investments in subsidiaries and intercompany balances and transactions. GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING BALANCE SHEET September 30, 2015 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 834 $ 768 $ — $ 1,602 Finance receivables, net — 3,621 31,453 — 35,074 Leased vehicles, net — — 16,915 — 16,915 Restricted cash — 36 1,892 — 1,928 Goodwill 1,095 — 148 — 1,243 Equity in net assets of non-consolidated affiliates — — 978 — 978 Property and equipment, net — 43 164 — 207 Deferred income taxes 137 — 288 (189 ) 236 Related party receivables — 23 566 — 589 Other assets 122 32 620 — 774 Due from affiliates 12,942 — — (12,942 ) — Investment in affiliates 8,398 7,070 — (15,468 ) — Total assets $ 22,694 $ 11,659 $ 53,792 $ (28,599 ) $ 59,546 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 28,284 $ — $ 28,284 Unsecured debt 14,440 — 5,535 — 19,975 Accounts payable and accrued expenses 127 205 762 — 1,094 Deferred income — — 1,205 — 1,205 Deferred income taxes — 267 6 (189 ) 84 Related party taxes payable 649 — — — 649 Related party payables — — 527 — 527 Other liabilities 74 11 239 — 324 Due to affiliates — 6,632 6,310 (12,942 ) — Total liabilities 15,290 7,115 42,868 (13,131 ) 52,142 Shareholder's equity Common stock — — 690 (690 ) — Additional paid-in capital 5,819 79 7,238 (7,317 ) 5,819 Accumulated other comprehensive loss (956 ) (154 ) (937 ) 1,091 (956 ) Retained earnings 2,541 4,619 3,933 (8,552 ) 2,541 Total shareholder's equity 7,404 4,544 10,924 (15,468 ) 7,404 Total liabilities and shareholder's equity $ 22,694 $ 11,659 $ 53,792 $ (28,599 ) $ 59,546 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING BALANCE SHEET December 31, 2014 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 2,266 $ 708 $ — $ 2,974 Finance receivables, net — 2,401 30,599 — 33,000 Leased vehicles, net — — 7,060 — 7,060 Restricted cash — 17 2,054 — 2,071 Goodwill 1,095 — 149 — 1,244 Property and equipment, net — 23 149 — 172 Deferred income taxes 28 — 601 (288 ) 341 Related party receivables — 11 373 — 384 Other assets 94 18 366 — 478 Due from affiliates 6,787 — 400 (7,187 ) — Investment in affiliates 7,684 4,059 — (11,743 ) — Total assets $ 15,688 $ 8,795 $ 42,459 $ (19,218 ) $ 47,724 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 25,214 $ — $ 25,214 Unsecured debt 7,500 — 4,717 — 12,217 Accounts payable and accrued expenses 78 156 768 — 1,002 Deferred income — — 392 — 392 Deferred income taxes — 288 20 (288 ) 20 Related party taxes payable 636 — — — 636 Related party payables — — 433 — 433 Other liabilities 82 12 324 — 418 Due to affiliates — 4,164 3,023 (7,187 ) — Total liabilities 8,296 4,620 34,891 (7,475 ) 40,332 Shareholder's equity Common stock — — 690 (690 ) — Additional paid-in capital 5,799 79 4,064 (4,143 ) 5,799 Accumulated other comprehensive loss (433 ) (64 ) (410 ) 474 (433 ) Retained earnings 2,026 4,160 3,224 (7,384 ) 2,026 Total shareholder's equity 7,392 4,175 7,568 (11,743 ) 7,392 Total liabilities and shareholder's equity $ 15,688 $ 8,795 $ 42,459 $ (19,218 ) $ 47,724 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Three Months Ended September 30, 2015 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 114 $ 728 $ — $ 842 Leased vehicle income — — 797 — 797 Other income 2 137 33 (104 ) 68 Total revenue 2 251 1,558 (104 ) 1,707 Costs and expenses Salaries and benefits — 79 106 — 185 Other operating expenses 21 25 150 (61 ) 135 Total operating expenses 21 104 256 (61 ) 320 Leased vehicle expenses — — 629 — 629 Provision for loan losses — 112 32 — 144 Interest expense 134 — 321 (43 ) 412 Total costs and expenses 155 216 1,238 (104 ) 1,505 Equity income 255 167 29 (422 ) 29 Income before income taxes 102 202 349 (422 ) 231 Income tax (benefit) provision (77 ) 15 114 — 52 Net income $ 179 $ 187 $ 235 $ (422 ) $ 179 Comprehensive (loss) income $ (103 ) $ 141 $ (47 ) $ (94 ) $ (103 ) GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Three Months Ended September 30, 2014 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 48 $ 835 $ — $ 883 Leased vehicle income — — 297 — 297 Other income 18 115 46 (98 ) 81 Total revenue 18 163 1,178 (98 ) 1,261 Costs and expenses Salaries and benefits — 64 94 — 158 Other operating expenses 117 (75 ) 160 (63 ) 139 Total operating expenses 117 (11 ) 254 (63 ) 297 Leased vehicle expenses — — 228 — 228 Provision for loan losses — 97 63 — 160 Interest expense 56 8 339 (35 ) 368 Total costs and expenses 173 94 884 (98 ) 1,053 Equity income (a) 242 139 — (381 ) — Income before income taxes 87 208 294 (381 ) 208 Income tax (benefit) provision (71 ) 27 94 — 50 Net income $ 158 $ 181 $ 200 $ (381 ) $ 158 Comprehensive (loss) income $ (114 ) $ 148 $ (71 ) $ (77 ) $ (114 ) ________________ (a) Equity income has been reclassified from revenue as previously presented. GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Nine Months Ended September 30, 2015 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 294 — $ 2,250 $ — $ 2,544 Leased vehicle income — — 1,827 — 1,827 Other income 13 363 118 (289 ) 205 Total revenue 13 657 4,195 (289 ) 4,576 Costs and expenses Salaries and benefits — 245 286 — 531 Other operating expenses 56 95 453 (190 ) 414 Total operating expenses 56 340 739 (190 ) 945 Leased vehicle expenses — — 1,423 — 1,423 Provision for loan losses — 302 138 — 440 Interest expense 342 1 939 (99 ) 1,183 Total costs and expenses 398 643 3,239 (289 ) 3,991 Equity income 716 452 85 (1,168 ) 85 Income before income taxes 331 466 1,041 (1,168 ) 670 Income tax (benefit) provision (184 ) 6 333 — 155 Net income $ 515 $ 460 $ 708 $ (1,168 ) $ 515 Comprehensive (loss) income $ (8 ) $ 370 $ 181 $ (551 ) $ (8 ) GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Nine Months Ended September 30, 2014 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 117 $ 2,478 $ — $ 2,595 Leased vehicle income — — 735 — 735 Other income 58 346 126 (311 ) 219 Total revenue 58 463 3,339 (311 ) 3,549 Costs and expenses Salaries and benefits — 180 268 — 448 Other operating expenses 112 (1 ) 474 (187 ) 398 Total operating expenses 112 179 742 (187 ) 846 Leased vehicle expenses — — 563 — 563 Provision for loan losses — 232 176 — 408 Interest expense 155 27 979 (124 ) 1,037 Total costs and expenses 267 438 2,460 (311 ) 2,854 Equity income (a) 601 408 — (1,009 ) — Income before income taxes 392 433 879 (1,009 ) 695 Income tax (benefit) provision (86 ) 11 292 — 217 Net income $ 478 $ 422 $ 587 $ (1,009 ) $ 478 Comprehensive income $ 260 $ 392 $ 371 $ (763 ) $ 260 _______________ (a) Equity income has been reclassified from revenue as previously presented. GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF CASH FLOWS Nine Months Ended September 30, 2015 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Net cash provided by operating activities $ (184 ) $ 314 $ 2,037 $ — $ 2,167 Cash flows from investing activities: Purchases of consumer finance receivables, net — (8,100 ) (10,993 ) 5,994 (13,099 ) Principal collections and recoveries on consumer finance receivables — 414 8,304 — 8,718 Proceeds from sale of consumer finance receivables, net — 5,994 — (5,994 ) — Net funding of commercial finance receivables — 172 (351 ) — (179 ) Purchases of leased vehicles, net — — (11,258 ) — (11,258 ) Proceeds from termination of leased vehicles — — 662 — 662 Acquisition of international operations (513 ) (536 ) — — (1,049 ) Disposition of equity interest — 125 — — 125 Purchases of property and equipment — (22 ) (42 ) — (64 ) Change in restricted cash — (20 ) (216 ) — (236 ) Change in other assets — — 24 — 24 Net change in investment in affiliates (6 ) (2,644 ) — 2,650 — Net cash used in investing activities (519 ) (4,617 ) (13,870 ) 2,650 (16,356 ) Cash flows from financing activities: Net change in debt (original maturities less than three months) — — 539 — 539 Borrowings and issuance of secured debt — — 15,095 — 15,095 Payments on secured debt — — (10,903 ) — (10,903 ) Borrowings and issuance of unsecured debt 6,939 — 2,620 — 9,559 Payments on unsecured debt — — (1,195 ) — (1,195 ) Net capital contributions — — 2,650 (2,650 ) — Debt issuance costs (47 ) — (77 ) — (124 ) Net change in due from/due to affiliates (6,189 ) 2,871 3,318 — — Net cash provided by financing activities 703 2,871 12,047 (2,650 ) 12,971 Net increase in cash and cash equivalents — (1,432 ) 214 — (1,218 ) Effect of foreign exchange rate changes on cash and cash equivalents — — (154 ) — (154 ) Cash and cash equivalents at beginning of period — 2,266 708 — 2,974 Cash and cash equivalents at end of period $ — $ 834 $ 768 $ — $ 1,602 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF CASH FLOWS Nine Months Ended September 30, 2014 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Net cash provided by operating activities $ 255 $ 233 $ 912 $ — $ 1,400 Cash flows from investing activities: Purchases of consumer finance receivables, net — (4,872 ) (9,297 ) 3,319 (10,850 ) Principal collections and recoveries on consumer finance receivables — (109 ) 8,233 — 8,124 Proceeds from sale of consumer finance receivables, net — 3,319 — (3,319 ) — Net funding of commercial finance receivables — 160 (568 ) — (408 ) Purchases of leased vehicles, net — — (3,227 ) — (3,227 ) Proceeds from termination of leased vehicles — — 395 — 395 Acquisition of international operations (46 ) — — — (46 ) Purchases of property and equipment — (4 ) (33 ) — (37 ) Change in restricted cash — 1 (188 ) — (187 ) Change in other assets — — (2 ) — (2 ) Net change in investment in affiliates — 546 — (546 ) — Net cash (used in) provided by investing activities (46 ) (959 ) (4,687 ) (546 ) (6,238 ) Cash flows from financing activities: Net change in debt (original maturities less than three months) — — (913 ) — (913 ) Borrowings and issuance of secured debt — — 15,847 — 15,847 Payments on secured debt — — (13,568 ) — (13,568 ) Borrowings and issuance of unsecured debt 3,500 — 1,903 — 5,403 Payments on unsecured debt — — (1,339 ) — (1,339 ) Net capital contributions 26 — (572 ) 546 — Debt issuance costs (39 ) — (68 ) — (107 ) Net change in due from/due to affiliates (3,696 ) 1,140 2,556 — — Net cash (used in) provided by financing activities (209 ) 1,140 3,846 546 5,323 Net increase in cash and cash equivalents — 414 71 — 485 Effect of foreign exchange rate changes on cash and cash equivalents — — (42 ) — (42 ) Cash and cash equivalents at beginning of period — 395 679 — 1,074 Cash and cash equivalents at end of period $ — $ 809 $ 708 $ — $ 1,517

Summary of Significant Accoun22

Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2015
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The condensed consolidated financial statements include our accounts and the accounts of our wholly-owned subsidiaries, including certain special-purpose financing entities utilized in secured financing transactions, which are considered variable interest entities ("VIEs"). All intercompany transactions and balances have been eliminated in consolidation. The interim period consolidated financial statements, including the notes thereto, are condensed and do not include all disclosures required by generally accepted accounting principles ("GAAP") in the United States of America. These interim period condensed consolidated financial statements should be read in conjunction with the consolidated financial statements that are included in our Annual Report on Form 10-K filed on February 4, 2015 ("Form 10-K"). Certain prior period amounts were reclassified to conform to our current year presentation. The condensed consolidated financial statements at September 30, 2015 , and for the three and nine months ended September 30, 2015 and 2014 , are unaudited and, in management’s opinion, include all adjustments, consisting of normal recurring adjustments, necessary for a fair presentation of the results for such interim periods. The results for interim periods are not necessarily indicative of results for a full year.
Segment Information	Segment Information We offer substantially similar products and services throughout many different regions, subject to local regulations and market conditions. We evaluate our business in two operating segments: North America (the "North America Segment") and international (the "International Segment"). The North America Segment includes our operations in the U.S. and Canada. The International Segment includes our operations in all other countries. For additional financial information regarding our business segments, see Note 13 - "Segment Reporting."
Related Party Transactions	Related Party Transactions We are the wholly-owned captive finance subsidiary of General Motors Company ("GM"). We offer loan and lease finance products through GM-franchised dealers to consumers purchasing new and certain used vehicles manufactured by GM and make commercial loans directly to GM-franchised dealers and their affiliates. Under subvention programs, GM makes cash payments to us for offering incentivized rates and structures on consumer loan and lease finance products. In addition, GM makes payments to us to cover certain interest payments on commercial loans. In our International Segment, we provide limited funding to GM for new and used vehicles awaiting delivery to dealers. At September 30, 2015 and December 31, 2014 , we had related party receivables from GM in the amount of $589 million and $384 million , primarily related to subvention. At September 30, 2015 and December 31, 2014 , we had $186 million and $176 million in commercial loans outstanding to dealers that are consolidated by GM. Prior to January 1, 2015, we provided financing to certain GM subsidiaries through factoring and other wholesale financing arrangements. At December 31, 2014 , $289 million was outstanding under such arrangements, and was included in commercial finance receivables. No amounts were outstanding at September 30, 2015 . At September 30, 2015 and December 31, 2014 , we had $527 million and $433 million of related party payables due to GM, primarily for commercial finance receivables originated but not yet funded. These payables typically settle within 30 days . We have a tax sharing agreement with GM for our U.S. operations. Under our tax sharing arrangement with GM, payments related to our U.S. operations for the tax years 2012 through 2014 were deferred for four years from their original due date. At September 30, 2015 and December 31, 2014 , $649 million and $636 million was due to GM under the related party tax sharing agreement. We have a Support Agreement with GM (the "Support Agreement"), which provides that, if our earning assets leverage at the end of any calendar quarter is higher than thresholds set in the Support Agreement, we may require GM to provide funding sufficient to bring our earning assets leverage to within the appropriate threshold. In determining our earning assets leverage (net earning assets divided by adjusted equity) under the Support Agreement, net earning assets means our finance receivables, net, plus leased vehicles, net, and adjusted equity means our equity, net of goodwill and inclusive of outstanding junior subordinated debt, as each may be adjusted for derivative accounting from time to time. At September 30, 2015 , our earning assets leverage ratio was 8.4 , which is below the applicable ratio of 9.5 . Additionally, the Support Agreement provides that GM will own all of our outstanding voting shares as long as we have any unsecured debt securities outstanding and that GM will use its commercially reasonable efforts to ensure that we will continue to be designated as a subsidiary borrower on $4.0 billion under GM’s corporate revolving credit facilities. GM also agreed to certain provisions intended to ensure that we maintain adequate access to liquidity. Pursuant to these provisions, GM provided us with a $1.0 billion unsecured intercompany revolving credit facility (the “Junior Subordinated Revolving Credit Facility”). There were no advances outstanding under the Junior Subordinated Revolving Credit Facility at September 30, 2015 or December 31, 2014 .
Accounting Standards Not Yet Adopted	Accounting Standards Not Yet Adopted In May 2014 the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update 2014-09, "Revenue Recognition - Revenue from Contracts with Customers" ("ASU 2014-09") which requires companies to recognize revenue when a customer obtains control rather than when companies have transferred substantially all risks and rewards of a good or service and requires expanded disclosures. ASU 2014-09 was originally effective for annual reporting periods beginning on or after December 15, 2016 and interim periods therein. In July 2015 the FASB issued a deferral of ASU 2014-09 of one year, making it effective for annual reporting periods beginning on or after December 15, 2017 while also providing for early adoption, but not before the original effective date. We are currently assessing the impact the adoption of ASU 2014-09 will have on our consolidated financial statements. In April 2015 the FASB issued Accounting Standards Update 2015-03, "Interest - Imputation of Interest" ("ASU 2015-03") which requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. ASU 2015-03 is effective for annual reporting periods beginning on or after December 15, 2015 and interim periods within fiscal years beginning after December 15, 2016. In August 2015 the FASB issued an amendment pursuant to an SEC staff announcement at the June 18, 2015 Emerging Issues Task Force ("EITF") meeting on ASU 2015-03, which addresses the presentation and subsequent measurement of debt issuance costs associated with line of credit arrangements. We are currently assessing the impact the adoption of ASU 2015-03 will have on our consolidated financial statements.

Finance Receivables (Tables)

Finance Receivables (Tables)	9 Months Ended
	Sep. 30, 2015
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Finance Receivables, Net	The finance receivables portfolio consists of the following (in millions): September 30, 2015 December 31, 2014 North America International Total North America International Total Consumer Consumer finance receivables, collectively evaluated for impairment, net of fees (a) $ 15,479 $ 10,993 $ 26,472 $ 12,127 $ 12,262 $ 24,389 Consumer finance receivables, individually evaluated for impairment, net of fees 1,515 — 1,515 1,234 — 1,234 Total consumer finance receivables (b) 16,994 10,993 27,987 13,361 12,262 25,623 Less: allowance for loan losses - collective (408 ) (95 ) (503 ) (405 ) (78 ) (483 ) Less: allowance for loan losses - specific (215 ) — (215 ) (172 ) — (172 ) Total consumer finance receivables, net 16,371 10,898 27,269 12,784 12,184 24,968 Commercial Commercial finance receivables, collectively evaluated for impairment, net of fees 3,498 4,295 7,793 3,180 4,803 7,983 Commercial finance receivables, individually evaluated for impairment, net of fees 5 47 52 — 89 89 Total commercial finance receivables 3,503 4,342 7,845 3,180 4,892 8,072 Less: allowance for loan losses - collective (20 ) (13 ) (33 ) (21 ) (14 ) (35 ) Less: allowance for loan losses - specific (1 ) (6 ) (7 ) — (5 ) (5 ) Total commercial finance receivables, net 3,482 4,323 7,805 3,159 4,873 8,032 Total finance receivables, net $ 19,853 $ 15,221 $ 35,074 $ 15,943 $ 17,057 $ 33,000 ________________ (a) Amounts reported in the International Segment include $1.1 billion and $1.0 billion of direct-financing leases at September 30, 2015 and December 31, 2014 . (b) Net of unamortized premiums and di
Finance Receivables Summary	Following is a summary of activity in our consumer finance receivables portfolio (in millions): Nine Months Ended September 30, 2015 2014 North America International Total North America International Total Consumer finance receivables, net of fees - beginning of period $ 13,361 $ 12,262 $ 25,623 $ 11,388 $ 11,742 $ 23,130 Loans purchased 8,070 5,037 13,107 4,874 6,255 11,129 Principal collections and other (3,818 ) (4,318 ) (8,136 ) (3,102 ) (4,622 ) (7,724 ) Charge-offs (609 ) (101 ) (710 ) (543 ) (102 ) (645 ) Foreign currency translation (10 ) (1,887 ) (1,897 ) (2 ) (672 ) (674 ) Balance at end of period $ 16,994 $ 10,993 $ 27,987 $ 12,615 $ 12,601 $ 25,216
Allowance for Credit Losses on Financing Receivables	A summary of the activity in the allowance for consumer loan losses is as follows (in millions): Three Months Ended September 30, 2015 2014 North America International Total North America International Total Balance at beginning of period $ 627 $ 94 $ 721 $ 515 $ 60 $ 575 Provision for loan losses 106 35 141 119 43 162 Charge-offs (221 ) (35 ) (256 ) (194 ) (36 ) (230 ) Recoveries 111 13 124 96 10 106 Foreign currency translation — (12 ) (12 ) — (5 ) (5 ) Balance at end of period $ 623 $ 95 $ 718 $ 536 $ 72 $ 608 Nine Months Ended September 30, 2015 2014 North America International Total North America International Total Balance at beginning of period $ 577 $ 78 $ 655 $ 468 $ 29 $ 497 Provision for loan losses 334 103 437 312 109 421 Charge-offs (609 ) (101 ) (710 ) (543 ) (102 ) (645 ) Recoveries 321 36 357 299 41 340 Foreign currency translation — (21 ) (21 ) — (5 ) (5 ) Balance at end of period $ 623 $ 95 $ 718 $ 536 $ 72 $ 608
Financing Receivable Credit Quality Indicators	A summary of the credit risk profile by FICO score band, determined at origination, of the consumer finance receivables in the North America Segment is as follows (dollars in millions): September 30, 2015 December 31, 2014 Amount Percent Amount Percent Prime - FICO Score 680 and greater $ 3,245 19.1 % $ 596 4.4 % Near-prime - FICO Score 620 to 679 2,747 16.2 % 1,691 12.7 Sub-prime - FICO Score less than 620 11,002 64.7 % 11,074 82.9 Balance at end of period $ 16,994 100.0 % $ 13,361 100.0 %
Past Due Financing Receivables	The following is a summary of the contractual amounts of delinquent consumer finance receivables, which is not significantly different than recorded investment, that are (i) more than 30 days delinquent, but not yet in repossession and (ii) in repossession, but not yet charged off (dollars in millions): September 30, 2015 September 30, 2014 North America International Total Percent of Contractual Amount Due North America International Total Percent of Contractual Amount Due 31 - 60 days $ 1,039 $ 98 $ 1,137 4.0 % $ 865 $ 114 $ 979 3.9 % Greater than 60 days 362 92 454 1.6 305 120 425 1.7 1,401 190 1,591 5.6 1,170 234 1,404 5.6 In repossession 47 6 53 0.2 44 5 49 0.2 $ 1,448 $ 196 $ 1,644 5.8 % $ 1,214 $ 239 $ 1,453 5.8 %
Troubled Debt Restructurings on Financing Receivables	At September 30, 2015 and December 31, 2014 , the outstanding balance of consumer finance receivables in the International Segment determined to be TDRs was insignificant ; therefore, the following information is presented with regard to the TDRs in the North America Segment only (in millions): September 30, 2015 December 31, 2014 Outstanding recorded investment $ 1,515 $ 1,234 Less: allowance for loan losses (215 ) (172 ) Outstanding recorded investment, net of allowance $ 1,300 $ 1,062 Unpaid principal balance $ 1,543 $ 1,255 Additional information about loans classified as TDRs is presented below (in millions, except for number of loans): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Average recorded investment $ 1,403 $ 1,057 $ 1,361 $ 937 Finance charge income recognized (a) $ 41 $ 33 $ 122 $ 92 Number of loans classified as TDRs during the period 16,122 13,543 42,246 35,748 Recorded investment of loans classified as TDRs during the period $ 270 $ 232 $ 716 $ 598
Finance Receivables Summary - Post-acquisition - Commercial	Following is a summary of activity in our commercial finance receivables portfolio (in millions): Nine Months Ended September 30, 2015 2014 North America International Total North America International Total Commercial finance receivables, net of fees - beginning of period $ 3,180 $ 4,892 $ 8,072 $ 1,975 $ 4,725 $ 6,700 Net funding (collections) of commercial finance receivables 373 (81 ) 292 551 144 695 Charge-offs — — — — — — Foreign currency translation (50 ) (469 ) (519 ) (13 ) (231 ) (244 ) Balance at end of period $ 3,503 $ 4,342 $ 7,845 $ 2,513 $ 4,638 $ 7,151
Financing Receivable Credit Quality Indicators for Commercial Lending	A summary of the credit risk profile by dealer grouping of the commercial finance receivables is as follows (in millions): September 30, 2015 December 31, 2014 Group I - Dealers with superior financial metrics $ 1,191 $ 1,062 Group II - Dealers with strong financial metrics 2,354 2,090 Group III - Dealers with fair financial metrics 2,571 2,856 Group IV - Dealers with weak financial metrics 1,114 1,250 Group V - Dealers warranting special mention due to potential weaknesses 409 559 Group VI - Dealers with loans classified as substandard, doubtful or impaired 206 255 Balance at end of period $ 7,845 $ 8,072

Leased Vehicles (Tables)

Leased Vehicles (Tables)	9 Months Ended
	Sep. 30, 2015
Property Subject to or Available for Operating Lease, Net [Abstract]
Summary of Leased Vehicles	The following information regarding our leased vehicles is presented on a consolidated basis (in millions): September 30, 2015 December 31, 2014 Leased vehicles $ 22,913 $ 9,747 Manufacturer incentives (3,764 ) (1,479 ) 19,149 8,268 Less: accumulated depreciation (2,234 ) (1,208 ) Leased vehicles, net $ 16,915 $ 7,060
Schedule of Future Minimum Rental Payments Receivable For Operating Leases	The following table summarizes minimum rental payments due to us as lessor under operating leases (in millions): Years Ending December 31, 2015 2016 2017 2018 2019 Minimum rental payments under operating leases $ 720 $ 2,749 $ 2,219 $ 1,001 $ 86

Restricted Cash (Tables)

Restricted Cash (Tables)	9 Months Ended
	Sep. 30, 2015
Cash and Cash Equivalents [Abstract]
Schedule of Restricted Cash	The following table summarizes the components of restricted cash (in millions): September 30, 2015 December 31, 2014 Revolving credit facilities $ 378 $ 326 Securitization notes payable - consumer 1,452 1,330 Securitization notes payable - commercial 56 65 Other 42 350 Total restricted cash $ 1,928 $ 2,071

Debt (Tables)

Debt (Tables)	9 Months Ended
	Sep. 30, 2015
Debt Disclosure [Abstract]
Schedule of Debt	Debt consists of the following (in millions): September 30, 2015 December 31, 2014 North America International Total North America International Total Secured Debt Revolving credit facilities $ 3,353 $ 4,502 $ 7,855 $ 1,701 $ 5,327 $ 7,028 Securitization notes payable - consumer 15,498 2,825 18,323 13,253 2,868 16,121 Securitization notes payable - commercial 1,250 856 2,106 500 1,565 2,065 Total secured debt $ 20,101 $ 8,183 $ 28,284 $ 15,454 $ 9,760 $ 25,214 Unsecured Debt Senior notes $ 15,111 $ 1,283 $ 16,394 $ 7,846 $ 604 $ 8,450 Credit facilities — 2,344 2,344 — 2,974 2,974 Other unsecured debt — 1,237 1,237 — 793 793 Total unsecured debt $ 15,111 $ 4,864 $ 19,975 $ 7,846 $ 4,371 $ 12,217

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	9 Months Ended
	Sep. 30, 2015
Securitization and Credit Facility VIEs [Member]
Variable Interest Entity [Line Items]
Schedule of Variable Interest Entities	The following table summarizes the assets and liabilities of our consolidated VIEs related to securitization and credit facilities (in millions): September 30, 2015 December 31, 2014 Restricted cash $ 1,886 $ 1,721 Finance receivables, net $ 25,746 $ 23,109 Leased vehicle assets $ 7,202 $ 4,595 Secured debt $ 26,916 $ 22,794
Other VIE [Member]
Variable Interest Entity [Line Items]
Schedule of Variable Interest Entities	The following table summarizes the assets and liabilities of these entities (in millions): September 30, 2015 December 31, 2014 Assets (a) $ 3,690 $ 3,696 Liabilities (b) $ 2,969 $ 3,184 _________________ (a) Comprised primarily of finance receivables of $3.2 billion and $3.6 billion at September 30, 2015 and December 31, 2014 . (b) Comprised primarily of debt of $2.6 billion and $2.5 billion at September 30, 2015 and December 31, 2014 . The following table summarizes the revenue and net income of these entities (in millions): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Total Revenue $ 41 $ 30 $ 122 $ 148 Net Income $ 6 $ 8 $ 25 $ 29

Derivative Financial Instrume28

Derivative Financial Instruments And Hedging Activities (Tables)	9 Months Ended
	Sep. 30, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments	Derivative swap and cap agreements consist of the following (in millions): Fair Value Level September 30, 2015 December 31, 2014 Notional Fair Value Notional Fair Value Assets Interest rate swaps (a) 3 $ 3,166 $ 6 $ 1,652 $ 6 Interest rate caps (b) 2 4,380 8 2,123 6 Foreign currency swaps (b) 2 1,479 22 1,594 4 Total assets (c) $ 9,025 $ 36 $ 5,369 $ 16 Liabilities Interest rate swaps (a) 3 $ 6,775 $ 24 $ 5,627 $ 39 Interest rate caps (b) 2 3,981 8 1,804 6 Foreign currency swaps (b) 2 — — 1,044 1 Total liabilities (d) $ 10,756 $ 32 $ 8,475 $ 46 _________________ (a) The fair values of the interest rate swap agreements are estimated by discounting future net cash flows expected to be settled using current risk-adjusted rates. (b) The fair values of the interest rate cap agreements and foreign currency swap agreements are based on observable market inputs. (c) Included in other assets on the condensed consolidated balance sheets. (d) Included in other liabilities on the condensed consolidated balance sheets.
Effect of derivative instruments on the condensed consolidated statements of income	The following table presents information on the effect of derivative instruments on the condensed consolidated statements of income and comprehensive income (in millions): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Non-designated hedges: Interest rate contracts (a) $ (13 ) $ (9 ) $ (12 ) $ (18 ) Foreign currency derivatives (b) 28 141 39 99 $ 15 $ 132 $ 27 $ 81 _________________ (a) Recognized in earnings as interest expense. (b) Activity is substantially offset by translation activity (included in operating expenses) related to foreign currency-denominated loans.

Fair Values of Financial Inst29

Fair Values of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2015
Fair Value Of Financial Instruments [Abstract]
Estimated Fair Values	Estimated fair values, carrying values and various methods and assumptions used in valuing our financial instruments are set forth below (in millions): September 30, 2015 December 31, 2014 Carrying Value Estimated Fair Value Carrying Value Estimated Fair Value Financial assets: Cash and cash equivalents (a) $ 1,602 $ 1,602 $ 2,974 $ 2,974 Finance receivables, net (b) $ 35,074 $ 35,226 $ 33,000 $ 33,573 Restricted cash (a) $ 1,928 $ 1,928 $ 2,071 $ 2,071 Financial liabilities: Secured debt North America (c) $ 20,101 $ 20,150 $ 15,454 $ 15,497 International (d) $ 4,262 $ 4,263 $ 5,690 $ 5,694 International (e) $ 3,921 $ 3,877 $ 4,070 $ 4,037 Unsecured debt North America (f) $ 15,111 $ 15,051 $ 7,846 $ 8,092 International (g) $ 3,704 $ 3,693 $ 3,496 $ 3,507 International (e) $ 1,160 $ 1,159 $ 875 $ 880 _________________ (a) Cash and cash equivalents bear interest at market rates; therefore, carrying value is considered to be a reasonable estimate of fair value. (b) The fair value of level 3 consumer finance receivables in the North America Segment is estimated based upon forecasted cash flows on the receivables discounted using a pre-tax weighted-average cost of capital. The fair value of level 3 consumer finance receivables in the International Segment is estimated based on forecasted cash flows on the receivables discounted using current origination rates for similar type loans. The fair value of level 2 commercial finance receivables is assumed to be carrying value, as the receivables generally have variable interest rates and maturities of one year or less. (c) Secured debt in the North America Segment is comprised of revolving credit facilities, publicly-issued secured debt, and privately-issued secured debt, and is valued using level 2 inputs. For the revolving credit facilities with variable rates of interest and terms of one year or less, carrying value is considered to be a reasonable estimate of fair value. The fair value of the publicly-issued secured debt is based on quoted market prices of identical instruments in thinly-traded markets, when available. If quoted market prices are not available, and for determining the fair value of privately-issued secured debt, the market value is estimated using quoted market prices of similar securities. (d) The fair value of level 2 secured debt in the International Segment is assumed to be par value, as the debt has terms of one year or less, or has been priced within the last six months . (e) The fair value of level 3 secured debt and unsecured debt in the International Segment is estimated by discounting future net cash flows expected to be settled using current risk-adjusted rates. (f) The fair value of level 2 unsecured debt in the North America Segment is based on quoted market prices of identical instruments in thinly-traded markets. (g) The fair value of level 2 senior notes in the International Segment is based on quoted market prices of identical instruments in thinly-traded markets.The fair value of other unsecured level 2 debt in the International Segment is assumed to be par value, as the debt has terms of one year or less .

Segment Reporting (Tables)

Segment Reporting (Tables)	9 Months Ended
	Sep. 30, 2015
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	All inter-segment balances and transactions have been eliminated. Key financial data for our operating segments were as follows (in millions): Three Months Ended September 30, 2015 North International Corporate Eliminations Total Total revenue $ 1,302 $ 405 $ 2 $ (2 ) $ 1,707 Operating expenses, including leased vehicle expenses 811 138 — — 949 Provision for loan losses 106 38 — — 144 Interest expense 214 175 25 (2 ) 412 Equity income — 29 — — 29 Income before income taxes $ 171 $ 83 $ (23 ) $ — $ 231 Three Months Ended September 30, 2014 North International Corporate Eliminations Total Total revenue $ 759 $ 502 $ 14 $ (14 ) $ 1,261 Operating expenses, including leased vehicle expenses 366 159 — — 525 Provision for loan losses 119 41 — — 160 Interest expense 124 244 14 (14 ) 368 Income before income taxes $ 150 $ 58 $ — $ — $ 208 Nine Months Ended September 30, 2015 North International Corporate Eliminations Total Total revenue $ 3,293 $ 1,283 $ 13 $ (13 ) $ 4,576 Operating expenses, including leased vehicle expenses 1,946 422 — — 2,368 Provision for loan losses 335 105 — — 440 Interest expense 572 564 60 (13 ) 1,183 Equity income — 85 — — 85 Income before income taxes $ 440 $ 277 $ (47 ) $ — $ 670 Nine Months Ended September 30, 2014 North International Corporate Eliminations Total Total revenue $ 2,086 $ 1,463 $ 45 $ (45 ) $ 3,549 Operating expenses, including leased vehicle expenses 950 459 — — 1,409 Provision for loan losses 312 96 — — 408 Interest expense 320 706 56 (45 ) 1,037 Income before income taxes $ 504 $ 202 $ (11 ) $ — $ 695 September 30, 2015 December 31, 2014 North International Total North International Total Finance receivables, net $ 19,853 $ 15,221 $ 35,074 $ 15,943 $ 17,057 $ 33,000 Leased vehicles, net $ 16,843 $ 72 $ 16,915 $ 7,029 $ 31 $ 7,060 Total assets $ 41,065 $ 18,481 $ 59,546 $ 27,687 $ 20,037 $ 47,724

Accumulated Other Comprehensi31

Accumulated Other Comprehensive (Loss) Income (Tables)	9 Months Ended
	Sep. 30, 2015
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	A summary of changes in accumulated other comprehensive loss is as follows (in millions): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Defined benefit plans, net: Balance at beginning of period $ (10 ) $ 3 $ (11 ) $ 3 Unrealized gain on subsidiary pension — — 1 — Balance at end of period (10 ) 3 (10 ) 3 Foreign currency translation adjustment: Balance at beginning of period (664 ) 62 (422 ) 8 Translation loss (282 ) (272 ) (524 ) (218 ) Balance at end of period (946 ) (210 ) (946 ) (210 ) Total accumulated other comprehensive loss $ (956 ) $ (207 ) $ (956 ) $ (207 )

Guarantor Condensed Consolida32

Guarantor Condensed Consolidating Financial Statements (Tables)	9 Months Ended
	Sep. 30, 2015
Guarantor Consolidating Financial Statements [abstract]
Condensed Consolidating Balance Sheet	GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING BALANCE SHEET September 30, 2015 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 834 $ 768 $ — $ 1,602 Finance receivables, net — 3,621 31,453 — 35,074 Leased vehicles, net — — 16,915 — 16,915 Restricted cash — 36 1,892 — 1,928 Goodwill 1,095 — 148 — 1,243 Equity in net assets of non-consolidated affiliates — — 978 — 978 Property and equipment, net — 43 164 — 207 Deferred income taxes 137 — 288 (189 ) 236 Related party receivables — 23 566 — 589 Other assets 122 32 620 — 774 Due from affiliates 12,942 — — (12,942 ) — Investment in affiliates 8,398 7,070 — (15,468 ) — Total assets $ 22,694 $ 11,659 $ 53,792 $ (28,599 ) $ 59,546 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 28,284 $ — $ 28,284 Unsecured debt 14,440 — 5,535 — 19,975 Accounts payable and accrued expenses 127 205 762 — 1,094 Deferred income — — 1,205 — 1,205 Deferred income taxes — 267 6 (189 ) 84 Related party taxes payable 649 — — — 649 Related party payables — — 527 — 527 Other liabilities 74 11 239 — 324 Due to affiliates — 6,632 6,310 (12,942 ) — Total liabilities 15,290 7,115 42,868 (13,131 ) 52,142 Shareholder's equity Common stock — — 690 (690 ) — Additional paid-in capital 5,819 79 7,238 (7,317 ) 5,819 Accumulated other comprehensive loss (956 ) (154 ) (937 ) 1,091 (956 ) Retained earnings 2,541 4,619 3,933 (8,552 ) 2,541 Total shareholder's equity 7,404 4,544 10,924 (15,468 ) 7,404 Total liabilities and shareholder's equity $ 22,694 $ 11,659 $ 53,792 $ (28,599 ) $ 59,546 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING BALANCE SHEET December 31, 2014 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 2,266 $ 708 $ — $ 2,974 Finance receivables, net — 2,401 30,599 — 33,000 Leased vehicles, net — — 7,060 — 7,060 Restricted cash — 17 2,054 — 2,071 Goodwill 1,095 — 149 — 1,244 Property and equipment, net — 23 149 — 172 Deferred income taxes 28 — 601 (288 ) 341 Related party receivables — 11 373 — 384 Other assets 94 18 366 — 478 Due from affiliates 6,787 — 400 (7,187 ) — Investment in affiliates 7,684 4,059 — (11,743 ) — Total assets $ 15,688 $ 8,795 $ 42,459 $ (19,218 ) $ 47,724 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 25,214 $ — $ 25,214 Unsecured debt 7,500 — 4,717 — 12,217 Accounts payable and accrued expenses 78 156 768 — 1,002 Deferred income — — 392 — 392 Deferred income taxes — 288 20 (288 ) 20 Related party taxes payable 636 — — — 636 Related party payables — — 433 — 433 Other liabilities 82 12 324 — 418 Due to affiliates — 4,164 3,023 (7,187 ) — Total liabilities 8,296 4,620 34,891 (7,475 ) 40,332 Shareholder's equity Common stock — — 690 (690 ) — Additional paid-in capital 5,799 79 4,064 (4,143 ) 5,799 Accumulated other comprehensive loss (433 ) (64 ) (410 ) 474 (433 ) Retained earnings 2,026 4,160 3,224 (7,384 ) 2,026 Total shareholder's equity 7,392 4,175 7,568 (11,743 ) 7,392 Total liabilities and shareholder's equity $ 15,688 $ 8,795 $ 42,459 $ (19,218 ) $ 47,724
Condensed Consolidating Statement of Income	GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Three Months Ended September 30, 2015 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 114 $ 728 $ — $ 842 Leased vehicle income — — 797 — 797 Other income 2 137 33 (104 ) 68 Total revenue 2 251 1,558 (104 ) 1,707 Costs and expenses Salaries and benefits — 79 106 — 185 Other operating expenses 21 25 150 (61 ) 135 Total operating expenses 21 104 256 (61 ) 320 Leased vehicle expenses — — 629 — 629 Provision for loan losses — 112 32 — 144 Interest expense 134 — 321 (43 ) 412 Total costs and expenses 155 216 1,238 (104 ) 1,505 Equity income 255 167 29 (422 ) 29 Income before income taxes 102 202 349 (422 ) 231 Income tax (benefit) provision (77 ) 15 114 — 52 Net income $ 179 $ 187 $ 235 $ (422 ) $ 179 Comprehensive (loss) income $ (103 ) $ 141 $ (47 ) $ (94 ) $ (103 ) GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Three Months Ended September 30, 2014 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 48 $ 835 $ — $ 883 Leased vehicle income — — 297 — 297 Other income 18 115 46 (98 ) 81 Total revenue 18 163 1,178 (98 ) 1,261 Costs and expenses Salaries and benefits — 64 94 — 158 Other operating expenses 117 (75 ) 160 (63 ) 139 Total operating expenses 117 (11 ) 254 (63 ) 297 Leased vehicle expenses — — 228 — 228 Provision for loan losses — 97 63 — 160 Interest expense 56 8 339 (35 ) 368 Total costs and expenses 173 94 884 (98 ) 1,053 Equity income (a) 242 139 — (381 ) — Income before income taxes 87 208 294 (381 ) 208 Income tax (benefit) provision (71 ) 27 94 — 50 Net income $ 158 $ 181 $ 200 $ (381 ) $ 158 Comprehensive (loss) income $ (114 ) $ 148 $ (71 ) $ (77 ) $ (114 ) ________________ (a) Equity income has been reclassified from revenue as previously presented. GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Nine Months Ended September 30, 2015 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 294 — $ 2,250 $ — $ 2,544 Leased vehicle income — — 1,827 — 1,827 Other income 13 363 118 (289 ) 205 Total revenue 13 657 4,195 (289 ) 4,576 Costs and expenses Salaries and benefits — 245 286 — 531 Other operating expenses 56 95 453 (190 ) 414 Total operating expenses 56 340 739 (190 ) 945 Leased vehicle expenses — — 1,423 — 1,423 Provision for loan losses — 302 138 — 440 Interest expense 342 1 939 (99 ) 1,183 Total costs and expenses 398 643 3,239 (289 ) 3,991 Equity income 716 452 85 (1,168 ) 85 Income before income taxes 331 466 1,041 (1,168 ) 670 Income tax (benefit) provision (184 ) 6 333 — 155 Net income $ 515 $ 460 $ 708 $ (1,168 ) $ 515 Comprehensive (loss) income $ (8 ) $ 370 $ 181 $ (551 ) $ (8 ) GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Nine Months Ended September 30, 2014 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 117 $ 2,478 $ — $ 2,595 Leased vehicle income — — 735 — 735 Other income 58 346 126 (311 ) 219 Total revenue 58 463 3,339 (311 ) 3,549 Costs and expenses Salaries and benefits — 180 268 — 448 Other operating expenses 112 (1 ) 474 (187 ) 398 Total operating expenses 112 179 742 (187 ) 846 Leased vehicle expenses — — 563 — 563 Provision for loan losses — 232 176 — 408 Interest expense 155 27 979 (124 ) 1,037 Total costs and expenses 267 438 2,460 (311 ) 2,854 Equity income (a) 601 408 — (1,009 ) — Income before income taxes 392 433 879 (1,009 ) 695 Income tax (benefit) provision (86 ) 11 292 — 217 Net income $ 478 $ 422 $ 587 $ (1,009 ) $ 478 Comprehensive income $ 260 $ 392 $ 371 $ (763 ) $ 260 _______________ (a) Equity income has been reclassified from revenue as previously presented.
Condensed Consolidating Statement of Cash Flows	GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF CASH FLOWS Nine Months Ended September 30, 2015 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Net cash provided by operating activities $ (184 ) $ 314 $ 2,037 $ — $ 2,167 Cash flows from investing activities: Purchases of consumer finance receivables, net — (8,100 ) (10,993 ) 5,994 (13,099 ) Principal collections and recoveries on consumer finance receivables — 414 8,304 — 8,718 Proceeds from sale of consumer finance receivables, net — 5,994 — (5,994 ) — Net funding of commercial finance receivables — 172 (351 ) — (179 ) Purchases of leased vehicles, net — — (11,258 ) — (11,258 ) Proceeds from termination of leased vehicles — — 662 — 662 Acquisition of international operations (513 ) (536 ) — — (1,049 ) Disposition of equity interest — 125 — — 125 Purchases of property and equipment — (22 ) (42 ) — (64 ) Change in restricted cash — (20 ) (216 ) — (236 ) Change in other assets — — 24 — 24 Net change in investment in affiliates (6 ) (2,644 ) — 2,650 — Net cash used in investing activities (519 ) (4,617 ) (13,870 ) 2,650 (16,356 ) Cash flows from financing activities: Net change in debt (original maturities less than three months) — — 539 — 539 Borrowings and issuance of secured debt — — 15,095 — 15,095 Payments on secured debt — — (10,903 ) — (10,903 ) Borrowings and issuance of unsecured debt 6,939 — 2,620 — 9,559 Payments on unsecured debt — — (1,195 ) — (1,195 ) Net capital contributions — — 2,650 (2,650 ) — Debt issuance costs (47 ) — (77 ) — (124 ) Net change in due from/due to affiliates (6,189 ) 2,871 3,318 — — Net cash provided by financing activities 703 2,871 12,047 (2,650 ) 12,971 Net increase in cash and cash equivalents — (1,432 ) 214 — (1,218 ) Effect of foreign exchange rate changes on cash and cash equivalents — — (154 ) — (154 ) Cash and cash equivalents at beginning of period — 2,266 708 — 2,974 Cash and cash equivalents at end of period $ — $ 834 $ 768 $ — $ 1,602 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF CASH FLOWS Nine Months Ended September 30, 2014 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Net cash provided by operating activities $ 255 $ 233 $ 912 $ — $ 1,400 Cash flows from investing activities: Purchases of consumer finance receivables, net — (4,872 ) (9,297 ) 3,319 (10,850 ) Principal collections and recoveries on consumer finance receivables — (109 ) 8,233 — 8,124 Proceeds from sale of consumer finance receivables, net — 3,319 — (3,319 ) — Net funding of commercial finance receivables — 160 (568 ) — (408 ) Purchases of leased vehicles, net — — (3,227 ) — (3,227 ) Proceeds from termination of leased vehicles — — 395 — 395 Acquisition of international operations (46 ) — — — (46 ) Purchases of property and equipment — (4 ) (33 ) — (37 ) Change in restricted cash — 1 (188 ) — (187 ) Change in other assets — — (2 ) — (2 ) Net change in investment in affiliates — 546 — (546 ) — Net cash (used in) provided by investing activities (46 ) (959 ) (4,687 ) (546 ) (6,238 ) Cash flows from financing activities: Net change in debt (original maturities less than three months) — — (913 ) — (913 ) Borrowings and issuance of secured debt — — 15,847 — 15,847 Payments on secured debt — — (13,568 ) — (13,568 ) Borrowings and issuance of unsecured debt 3,500 — 1,903 — 5,403 Payments on unsecured debt — — (1,339 ) — (1,339 ) Net capital contributions 26 — (572 ) 546 — Debt issuance costs (39 ) — (68 ) — (107 ) Net change in due from/due to affiliates (3,696 ) 1,140 2,556 — — Net cash (used in) provided by financing activities (209 ) 1,140 3,846 546 5,323 Net increase in cash and cash equivalents — 414 71 — 485 Effect of foreign exchange rate changes on cash and cash equivalents — — (42 ) — (42 ) Cash and cash equivalents at beginning of period — 395 679 — 1,074 Cash and cash equivalents at end of period $ — $ 809 $ 708 $ — $ 1,517

Summary of Significant Accoun33

Summary of Significant Accounting Policies - Narrative (Details)	9 Months Ended
	Sep. 30, 2015USD ($)segment	Dec. 31, 2014USD ($)
Summary of Significant Accounting Policies [Line Items]
Number of operating segments | segment	2
Related party receivables	$ 589,000,000	$ 384,000,000
Intercompany Receivable - Commercial Lending	186,000,000	176,000,000
Intercompany Receivables - Wholesale financing	0	289,000,000
Related party payables	$ 527,000,000	433,000,000
Related party payable settlement period	30 days
Related party taxes payable	$ 649,000,000	$ 636,000,000
Earning assets leverage ratio	8.4
Parent Company [Member] | United States [Member]
Summary of Significant Accounting Policies [Line Items]
Related party tax expense deferral period	4 years
Maximum [Member]
Summary of Significant Accounting Policies [Line Items]
Earning assets leverage ratio	9.5
Junior Subordinated Revolving Credit Facility [Member]
Summary of Significant Accounting Policies [Line Items]
Line of Credit Facilities - GM Related Party Facility	$ 1,000,000,000
General Motors [Member]
Summary of Significant Accounting Policies [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 4,000,000,000

Acquisition of Ally Financial34

Acquisition of Ally Financial International Operations - Narrative (Details) - USD ($) $ in Millions	Jan. 02, 2015	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2013	Jan. 03, 2015
Business Acquisition [Line Items]
Equity income		$ 29	$ 0	$ 85	$ 0
SAIC-GMAC [Member]
Business Acquisition [Line Items]
Equity interest (percent)	40.00%						35.00%
Aggregate purchase price	$ 1,000
Equity interest (percent)	5.00%
Proceeds from sale	$ 125
Difference between carrying amount and underlying equity	$ 371
Equity income		$ 29	$ 183	$ 85	$ 561
Ally Financial International Operations [Member]
Business Acquisition [Line Items]
Aggregate consideration						$ 3,300
Debt assumed						$ 1,400

Finance Receivables - Narrative

Finance Receivables - Narrative (Details) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014	Sep. 30, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 726	$ 682
Consumer Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	27,987	25,623
Consumer Finance Receivables [Member] | North America Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	16,994	13,361
Consumer Finance Receivables [Member] | Deteriorated Credit Quality [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	189	459
Commercial Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	7,845	8,072	$ 7,151	$ 6,700
Commercial Finance Receivables [Member] | North America Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 3,503	$ 3,180	$ 2,513	$ 1,975

Finance Receivables - Finance R

Finance Receivables - Finance Receivables, net (Details) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014	Sep. 30, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables, net	$ 35,074	$ 33,000
North America Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables, net	19,853	15,943
International Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables, net	15,221	17,057
Consumer Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment, net of fees	26,472	24,389
Individually evaluated for impairment, net of fees	1,515	1,234
Total finance receivables	27,987	25,623
Less: allowance for loan losses - collective	(503)	(483)
Less: allowance for loan losses - specific	(215)	(172)
Total finance receivables, net	27,269	24,968
Consumer Finance Receivables [Member] | North America Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment, net of fees	15,479	12,127
Individually evaluated for impairment, net of fees	1,515	1,234
Total finance receivables	16,994	13,361
Less: allowance for loan losses - collective	(408)	(405)
Less: allowance for loan losses - specific	(215)	(172)
Total finance receivables, net	16,371	12,784
Consumer Finance Receivables [Member] | North America Segment [Member] | Post-Acquisition Portfolio [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Deferred Income	167	245
Consumer Finance Receivables [Member] | International Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment, net of fees	10,993	12,262
Individually evaluated for impairment, net of fees	0	0
Total finance receivables	10,993	12,262
Less: allowance for loan losses - collective	(95)	(78)
Less: allowance for loan losses - specific	0	0
Total finance receivables, net	10,898	12,184
Loans and Leases Receivable, Gross, Consumer, Lease Financing	1,100	1,000
Commercial Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment, net of fees	7,793	7,983
Individually evaluated for impairment, net of fees	52	89
Total finance receivables	7,845	8,072	$ 7,151	$ 6,700
Less: allowance for loan losses - collective	(33)	(35)
Less: allowance for loan losses - specific	(7)	(5)
Total finance receivables, net	7,805	8,032
Commercial Finance Receivables [Member] | North America Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment, net of fees	3,498	3,180
Individually evaluated for impairment, net of fees	5	0
Total finance receivables	3,503	3,180	2,513	1,975
Less: allowance for loan losses - collective	(20)	(21)
Less: allowance for loan losses - specific	(1)	0
Total finance receivables, net	3,482	3,159
Commercial Finance Receivables [Member] | International Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment, net of fees	4,295	4,803
Individually evaluated for impairment, net of fees	47	89
Total finance receivables	4,342	4,892	$ 4,638	$ 4,725
Less: allowance for loan losses - collective	(13)	(14)
Less: allowance for loan losses - specific	(6)	(5)
Total finance receivables, net	$ 4,323	$ 4,873

Finance Receivables - Finance37

Finance Receivables - Finance Receivables Summary (Details) - Consumer Finance Receivables [Member] - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period			$ 25,623
Balance at end of period	$ 27,987		27,987
Pass [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period			25,623	$ 23,130
Loans purchased			13,107	11,129
Principal collections and other			(8,136)	(7,724)
Charge-offs	(256)	$ (230)	(710)	(645)
Foreign currency translation			(1,897)	(674)
Balance at end of period	27,987	25,216	27,987	25,216
North America Segment [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period			13,361
Balance at end of period	16,994		16,994
North America Segment [Member] | Pass [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period			13,361	11,388
Loans purchased			8,070	4,874
Principal collections and other			(3,818)	(3,102)
Charge-offs	(221)	(194)	(609)	(543)
Foreign currency translation			(10)	(2)
Balance at end of period	16,994	12,615	16,994	12,615
International Segment [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period			12,262
Balance at end of period	10,993		10,993
International Segment [Member] | Pass [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period			12,262	11,742
Loans purchased			5,037	6,255
Principal collections and other			(4,318)	(4,622)
Charge-offs	(35)	(36)	(101)	(102)
Foreign currency translation			(1,887)	(672)
Balance at end of period	$ 10,993	$ 12,601	$ 10,993	$ 12,601

Finance Receivables - Allowance

Finance Receivables - Allowance for Loan Losses (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Provision for loan losses	$ 144	$ 160	$ 440	$ 408
Consumer Finance Receivables [Member] | Post-Acquisition Portfolio [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	721	575	655	497
Provision for loan losses	141	162	437	421
Charge-offs	(256)	(230)	(710)	(645)
Recoveries	124	106	357	340
Foreign currency translation	(12)	(5)	(21)	(5)
Balance at end of period	718	608	718	608
Consumer Finance Receivables [Member] | North America Segment [Member] | Post-Acquisition Portfolio [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	627	515	577	468
Provision for loan losses	106	119	334	312
Charge-offs	(221)	(194)	(609)	(543)
Recoveries	111	96	321	299
Foreign currency translation	0	0	0	0
Balance at end of period	623	536	623	536
Consumer Finance Receivables [Member] | International Segment [Member] | Post-Acquisition Portfolio [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	94	60	78	29
Provision for loan losses	35	43	103	109
Charge-offs	(35)	(36)	(101)	(102)
Recoveries	13	10	36	41
Foreign currency translation	(12)	(5)	(21)	(5)
Balance at end of period	$ 95	$ 72	$ 95	$ 72

Finance Receivables - Credit Qu

Finance Receivables - Credit Quality (Details) - Consumer Finance Receivables [Member] - North America Segment [Member] - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Finance receivables, net of fees	$ 16,994	$ 13,361
Finance receivables credit indicator, Percent	100.00%	100.00%
FICO Score, 680 and Greater [Member]
Financing Receivable, Recorded Investment [Line Items]
Finance receivables, net of fees	$ 3,245	$ 596
Finance receivables credit indicator, Percent	19.10%	4.40%
FICO Score, 620 to 679 [Member]
Financing Receivable, Recorded Investment [Line Items]
Finance receivables, net of fees	$ 2,747	$ 1,691
Finance receivables credit indicator, Percent	16.20%	12.70%
FICO Score, Less than 620 [Member]
Financing Receivable, Recorded Investment [Line Items]
Finance receivables, net of fees	$ 11,002	$ 11,074
Finance receivables credit indicator, Percent	64.70%	82.90%

Finance Receivables - Delinquen

Finance Receivables - Delinquency (Details) - Consumer Finance Receivables [Member] - USD ($) $ in Millions	Sep. 30, 2015	Sep. 30, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
31-60 days	$ 1,137	$ 979
Greater than 60 days	454	425
Greater than 30 days past due	1,591	1,404
In repossession	53	49
Past Due	$ 1,644	$ 1,453
31 - 60 days, Percent of contractual amount due	4.00%	3.90%
Greater than 60 days, Percent of contractual amount due	1.60%	1.70%
Greater than 30 days past due, Percent of contractual amount due	5.60%	5.60%
In repossession, Percent of contractual amount due	0.20%	0.20%
Percent of contractual amount due	5.80%	5.80%
North America Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
31-60 days	$ 1,039	$ 865
Greater than 60 days	362	305
Greater than 30 days past due	1,401	1,170
In repossession	47	44
Past Due	1,448	1,214
International Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
31-60 days	98	114
Greater than 60 days	92	120
Greater than 30 days past due	190	234
In repossession	6	5
Past Due	$ 196	$ 239

Finance Receivables - Troubled

Finance Receivables - Troubled Debt Restructurings (Details) - North America Segment [Member] - Consumer Finance Receivables [Member] $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)loan	Sep. 30, 2014USD ($)loan	Sep. 30, 2015USD ($)loan	Sep. 30, 2014USD ($)loan	Dec. 31, 2014USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding recorded investment	$ 1,515		$ 1,515		$ 1,234
Less: allowance for loan losses	(215)		(215)		(172)
Outstanding recorded investment, net of allowance	1,300		1,300		1,062
Unpaid principal balance	1,543		1,543		$ 1,255
Average recorded investment	1,403	$ 1,057	1,361	$ 937
Finance charge income recognized	$ 41	$ 33	$ 122	$ 92
Number of loans classified as TDRs during the period | loan	16,122	13,543	42,246	35,748
Recorded investment of loans classified as TDRs during the period	$ 270	$ 232	$ 716	$ 598

Finance Receivables - Commercia

Finance Receivables - Commercial Finance Receivables (Details) - Commercial Finance Receivables [Member] - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period	$ 8,072	$ 6,700
Net funding (collections) of commercial finance receivables	292	695
Charge-offs	0	0
Foreign currency translation	(519)	(244)
Balance at end of period	7,845	7,151
North America Segment [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period	3,180	1,975
Net funding (collections) of commercial finance receivables	373	551
Charge-offs	0	0
Foreign currency translation	(50)	(13)
Balance at end of period	3,503	2,513
International Segment [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Financing receivables, net of fees - beginning of period	4,892	4,725
Net funding (collections) of commercial finance receivables	(81)	144
Charge-offs	0	0
Foreign currency translation	(469)	(231)
Balance at end of period	$ 4,342	$ 4,638

Finance Receivables - Credit Ri

Finance Receivables - Credit Risk Profile by Dealer grouping of Commercial Finance Receivables (Details) - Commercial Finance Receivables [Member] - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014	Sep. 30, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	$ 7,845	$ 8,072	$ 7,151	$ 6,700
Group I
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	1,191	1,062
Group II
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	2,354	2,090
Group III
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	2,571	2,856
Group IV
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	1,114	1,250
Group V
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	409	559
Group VI
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	$ 206	$ 255

Leased Vehicles - Narrative (De

Leased Vehicles - Narrative (Details) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Canadian Subsidiary [Member] | Property Subject to Operating Lease [Member]
Servicing Assets at Fair Value [Line Items]
Servicing Asset at Fair Value, Amount	$ 32	$ 110

Leased Vehicles - Summary of Le

Leased Vehicles - Summary of Leased Vehicles (Details) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Property Subject to or Available for Operating Lease, Net [Abstract]
Leased vehicles	$ 22,913	$ 9,747
Manufacturer incentives	(3,764)	(1,479)
Leased vehicles accounted for operating leases net of manufacturing incentives	19,149	8,268
Less: accumulated depreciation	(2,234)	(1,208)
Leased vehicles, net	$ 16,915	$ 7,060

Leased Vehicles - Minimum Renta

Leased Vehicles - Minimum Rental Payments (Details) $ in Millions	Sep. 30, 2015USD ($)
Operating Leases, Future Minimum Payments Receivable [Abstract]
2,015	$ 720
2,016	2,749
2,017	2,219
2,018	1,001
2,019	$ 86

Restricted Cash (Details)

Restricted Cash (Details) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted Cash and Cash Equivalents	$ 1,928	$ 2,071
Revolving Credit Facility [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted Cash and Cash Equivalents	378	326
Securitization Notes Payable [Member] | Consumer Portfolio Segment [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted Cash and Cash Equivalents	1,452	1,330
Securitization Notes Payable [Member] | Commercial Finance Receivables [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted Cash and Cash Equivalents	56	65
Other [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted Cash and Cash Equivalents	$ 42	$ 350

Equity in Net Assets of Non-c48

Equity in Net Assets of Non-consolidated Affiliates (Details) $ in Millions	Sep. 30, 2015USD ($)
SAIC-GMAC [Member]
Noncontrolling Interest [Line Items]
Undistributed earnings	$ 85

Debt - Narrative (Details)

Debt - Narrative (Details)	9 Months Ended
	Sep. 30, 2015USD ($)	Oct. 21, 2015USD ($)	Jul. 31, 2015USD ($)	May. 31, 2015CAD	Apr. 30, 2015USD ($)	Feb. 28, 2015EUR (€)	Jan. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Debt Instrument [Line Items]
Debt instrument, face amount	$ 16,400,000,000							$ 8,400,000,000
Secured Debt [Member]
Debt Instrument [Line Items]
Debt instrument, face amount	9,370,000,000
European Medium Term Notes [Member] | Euro Medium Due February 2018 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount | €						€ 650,000,000
Interest rate (percent)						0.85%
Senior Notes [Member] | Floating Rate Senior Notes Due April 2018 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount					$ 300,000,000
Revolving Credit Facility [Member] | Unsecured Debt [Member] | International Segment [Member]
Debt Instrument [Line Items]
Increase in Credit Facilities during period	246,000,000
Revolving Credit Facility [Member] | Secured Debt [Member]
Debt Instrument [Line Items]
Increase in Credit Facilities during period	4,500,000,000
Parent Company [Member] | Senior Notes [Member]
Debt Instrument [Line Items]
Debt instrument, face amount			$ 2,300,000,000		2,400,000,000		$ 2,250,000,000
Parent Company [Member] | Senior Notes [Member] | Subsequent Event [Member]
Debt Instrument [Line Items]
Debt instrument, face amount		$ 1,750,000,000
Parent Company [Member] | Senior Notes [Member] | Senior Notes Due January 2020 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount							$ 1,000,000,000
Interest rate (percent)							3.15%
Parent Company [Member] | Senior Notes [Member] | Senior Notes Due January 2025 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount							$ 1,000,000,000
Interest rate (percent)							4.00%
Parent Company [Member] | Senior Notes [Member] | Floating Rate Senior Notes Due January 2020 [Member] | London Interbank Offered Rate (LIBOR) [Member]
Debt Instrument [Line Items]
Debt instrument, face amount							$ 250,000,000
Parent Company [Member] | Senior Notes [Member] | Senior Notes Due April 2018 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount					$ 850,000,000
Interest rate (percent)					2.40%
Parent Company [Member] | Senior Notes [Member] | Senior Notes Due 2022 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount					$ 1,250,000,000
Interest rate (percent)					3.45%
Parent Company [Member] | Senior Notes [Member] | Notes Due May 2020 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount | CAD				CAD 500,000,000
Interest rate (percent)				3.08%
Parent Company [Member] | Senior Notes [Member] | Senior Notes Due July 2020 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount			$ 1,500,000,000
Interest rate (percent)			3.20%
Parent Company [Member] | Senior Notes [Member] | Senior Notes Due July 2025 [Member]
Debt Instrument [Line Items]
Debt instrument, face amount			$ 800,000,000
Interest rate (percent)			4.30%
Parent Company [Member] | Senior Notes [Member] | Senior Notes Due January 2019 [Member] | Subsequent Event [Member]
Debt Instrument [Line Items]
Debt instrument, face amount		$ 1,500,000,000
Interest rate (percent)		3.10%
Parent Company [Member] | Senior Notes [Member] | Floating Rate Senior Notes Due January 2019 [Member] | Subsequent Event [Member]
Debt Instrument [Line Items]
Debt instrument, face amount		$ 250,000,000
GERMANY | International Segment [Member]
Debt Instrument [Line Items]
Foreign deposits	$ 611,000,000

Debt - Short Term and Long Term

Debt - Short Term and Long Term Debt (Details) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Short Term and Long Term Debt [Line Items]
Secured debt	$ 28,284	$ 25,214
Unsecured debt	19,975	12,217
Revolving Credit Facility [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	7,855	7,028
Unsecured debt	2,344	2,974
Senior Notes [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	16,394	8,450
Other Unsecured Debt [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	1,237	793
North America Segment [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	20,101	15,454
Unsecured debt	15,111	7,846
North America Segment [Member] | Revolving Credit Facility [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	3,353	1,701
Unsecured debt	0	0
North America Segment [Member] | Senior Notes [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	15,111	7,846
North America Segment [Member] | Other Unsecured Debt [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	0	0
International Segment [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	8,183	9,760
Unsecured debt	4,864	4,371
International Segment [Member] | Revolving Credit Facility [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	4,502	5,327
Unsecured debt	2,344	2,974
International Segment [Member] | Senior Notes [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	1,283	604
International Segment [Member] | Other Unsecured Debt [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	1,237	793
Consumer Portfolio Segment [Member] | Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	18,323	16,121
Consumer Portfolio Segment [Member] | North America Segment [Member] | Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	15,498	13,253
Consumer Portfolio Segment [Member] | International Segment [Member] | Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	2,825	2,868
Commercial Finance Receivables [Member] | Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	2,106	2,065
Commercial Finance Receivables [Member] | North America Segment [Member] | Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	1,250	500
Commercial Finance Receivables [Member] | International Segment [Member] | Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	$ 856	$ 1,565

Variable Interest Entities - Na

Variable Interest Entities - Narrative (Details) - USD ($) $ in Billions	Sep. 30, 2015	Dec. 31, 2014
Variable Interest Entities [Abstract]
Transfers of finance receivables	$ 1.3	$ 2.5
Transfers of finance receivables outstanding balance	$ 1.2	$ 2.4

Variable Interest Entities - As

Variable Interest Entities - Assets and Liabilities of Consolidated VIE's (Details) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Variable Interest Entity [Line Items]
Restricted cash	$ 1,928	$ 2,071
Finance receivables, net	35,074	33,000
Leased vehicles assets	16,915	7,060
Securitization and Credit Facility VIEs [Member]
Variable Interest Entity [Line Items]
Restricted cash	1,886	1,721
Finance receivables, net	25,746	23,109
Leased vehicles assets	7,202	4,595
Secured debt	$ 26,916	$ 22,794

Variable Interest Entities - 53

Variable Interest Entities - Assets and Liabilities (Details) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Variable Interest Entity [Line Items]
Assets	$ 59,546	$ 47,724
Liabilities	52,142	40,332
Finance receivables, net	35,074	33,000
Secured debt	28,284	25,214
Other VIE [Member]
Variable Interest Entity [Line Items]
Assets	3,690	3,696
Liabilities	2,969	3,184
Finance receivables, net	3,200	3,600
Secured debt	$ 2,600	$ 2,500

Variable Interest Entities - Re

Variable Interest Entities - Revenue and Net Income from Entities (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Variable Interest Entity [Line Items]
Total revenue	$ 1,707	$ 1,261	$ 4,576	$ 3,549
Net income	179	158	515	478
Other VIE [Member]
Variable Interest Entity [Line Items]
Total revenue	41	30	122	148
Net income	$ 6	$ 8	$ 25	$ 29

Derivative Financial Instrume55

Derivative Financial Instruments And Hedging Activities (Details) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Other Assets [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	$ 9,025	$ 5,369
Derivative Asset	36	16
Other Assets [Member] | Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	3,166	1,652
Derivative Asset	6	6
Other Assets [Member] | Interest Rate Caps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	4,380	2,123
Derivative Asset	8	6
Other Assets [Member] | Foreign Currency Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	1,479	1,594
Derivative Asset	22	4
Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	10,756	8,475
Derivative Liability	32	46
Other Liabilities [Member] | Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	6,775	5,627
Derivative Liability	24	39
Other Liabilities [Member] | Interest Rate Caps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	3,981	1,804
Derivative Liability	8	6
Other Liabilities [Member] | Foreign Currency Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	0	1,044
Derivative Liability	$ 0	$ 1

Derivative Financial Instrume56

Derivative Financial Instruments And Hedging Activities - Derivatives Income (Losses) Recognized in Income (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Interest rate contracts	$ (13)	$ (9)	$ (12)	$ (18)
Foreign currency derivatives	28	141	39	99
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ 15	$ 132	$ 27	$ 81

Fair Values of Financial Inst57

Fair Values of Financial Instruments (Details) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Restricted cash	$ 1,928	$ 2,071
Reported Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents, fair value disclosure	1,602	2,974
Finance receivables, net	35,074	33,000
Restricted cash	1,928	2,071
Reported Value Measurement [Member] | North America Segment [Member] | Secured Debt [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	20,101	15,454
Reported Value Measurement [Member] | North America Segment [Member] | Unsecured Debt [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	15,111	7,846
Reported Value Measurement [Member] | International Segment [Member] | Secured Debt [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	4,262	5,690
Reported Value Measurement [Member] | International Segment [Member] | Secured Debt [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	3,921	4,070
Reported Value Measurement [Member] | International Segment [Member] | Unsecured Debt [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	3,704	3,496
Reported Value Measurement [Member] | International Segment [Member] | Unsecured Debt [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	1,160	875
Estimate of Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents, fair value disclosure	1,602	2,974
Finance receivables, net	35,226	33,573
Restricted cash	1,928	2,071
Estimate of Fair Value Measurement [Member] | North America Segment [Member] | Secured Debt [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	20,150	15,497
Estimate of Fair Value Measurement [Member] | North America Segment [Member] | Unsecured Debt [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	15,051	8,092
Estimate of Fair Value Measurement [Member] | International Segment [Member] | Secured Debt [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	4,263	5,694
Estimate of Fair Value Measurement [Member] | International Segment [Member] | Secured Debt [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	3,877	4,037
Estimate of Fair Value Measurement [Member] | International Segment [Member] | Unsecured Debt [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	3,693	3,507
Estimate of Fair Value Measurement [Member] | International Segment [Member] | Unsecured Debt [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	$ 1,159	$ 880

Commitments and Contingencies -

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Commitments and Contingencies Disclosure [Abstract]
Debt instrument, face amount	$ 16,400	$ 8,400
Estimate of possible loss	86
Loss accrual	38
Indirect tax contingency	$ 47

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Income Tax Disclosure [Abstract]
Income tax (benefit) provision	$ 52	$ 50	$ 155	$ 217

Segment Reporting - Narrative (

Segment Reporting - Narrative (Details)	9 Months Ended
	Sep. 30, 2015segment
Segment Reporting [Abstract]
Number of operating segments	2

Segment Reporting - Operations

Segment Reporting - Operations Reporting by Revenue (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Segment Reporting Information [Line Items]
Total revenue	$ 1,707	$ 1,261	$ 4,576	$ 3,549
Operating expenses, including leased vehicle expenses	949	525	2,368	1,409
Provision for loan losses	144	160	440	408
Interest expense	412	368	1,183	1,037
Equity income	29	0	85	0
Income before income taxes	231	208	670	695
Operating Segments [Member] | North America Segment [Member]
Segment Reporting Information [Line Items]
Total revenue	1,302	759	3,293	2,086
Operating expenses, including leased vehicle expenses	811	366	1,946	950
Provision for loan losses	106	119	335	312
Interest expense	214	124	572	320
Equity income	0		0
Income before income taxes	171	150	440	504
Operating Segments [Member] | International Segment [Member]
Segment Reporting Information [Line Items]
Total revenue	405	502	1,283	1,463
Operating expenses, including leased vehicle expenses	138	159	422	459
Provision for loan losses	38	41	105	96
Interest expense	175	244	564	706
Equity income	29		85
Income before income taxes	83	58	277	202
Corporate, Non-Segment [Member]
Segment Reporting Information [Line Items]
Total revenue	2	14	13	45
Operating expenses, including leased vehicle expenses	0	0	0	0
Provision for loan losses	0	0	0	0
Interest expense	25	14	60	56
Equity income	0		0
Income before income taxes	(23)	0	(47)	(11)
Intersegment Eliminations [Member]
Segment Reporting Information [Line Items]
Total revenue	(2)	(14)	(13)	(45)
Operating expenses, including leased vehicle expenses	0	0	0	0
Provision for loan losses	0	0	0	0
Interest expense	(2)	(14)	(13)	(45)
Equity income	0		0
Income before income taxes	$ 0	$ 0	$ 0	$ 0

Segment Reporting - Operation62

Segment Reporting - Operations Reporting by Assets (Details) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Segment Reporting Information [Line Items]
Finance receivables, net	$ 35,074	$ 33,000
Leased vehicles, net	16,915	7,060
Total assets	59,546	47,724
North America Segment [Member]
Segment Reporting Information [Line Items]
Finance receivables, net	19,853	15,943
Leased vehicles, net	16,843	7,029
Total assets	41,065	27,687
International Segment [Member]
Segment Reporting Information [Line Items]
Finance receivables, net	15,221	17,057
Leased vehicles, net	72	31
Total assets	$ 18,481	$ 20,037

Accumulated Other Comprehensi63

Accumulated Other Comprehensive (Loss) Income (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Changes in Accumulated Other Comprehensive Income [Roll Forward]
Defined benefit plans, net: Balance at beginning of period	$ (10)	$ 3	$ (11)	$ 3
Unrealized gain on subsidiary pension	0	0	1	0
Defined benefit plans, net: Balance at end of period	(10)	3	(10)	3
Foreign currency translation adjustment: Balance at beginning of period	(664)	62	(422)	8
Translation gain (loss)	(282)	(272)	(524)	(218)
Foreign currency translation adjustment: Balance at end of period	(946)	(210)	(946)	(210)
Total accumulated other comprehensive (loss) income	$ (956)	$ (207)	$ (956)	$ (207)	$ (433)

Regulatory Capital (Details)

Regulatory Capital (Details) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Capital Requirements on Foreign Financial Institutions [Line Items]
Assets	$ 59,546	$ 47,724
International Regulated Bank And Finance Companies [Member]
Capital Requirements on Foreign Financial Institutions [Line Items]
Assets	$ 10,800	$ 11,400

Guarantor Condensed Consolida65

Guarantor Condensed Consolidating Financial Statements Current Period Guarantor Balance Sheet (Details) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014	Sep. 30, 2014	Dec. 31, 2013
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	$ 1,602	$ 2,974	$ 1,517	$ 1,074
Finance receivables, net	35,074	33,000
Leased vehicles, net	16,915	7,060
Restricted cash	1,928	2,071
Goodwill	1,243	1,244
Equity in net assets of non-consolidated affiliates	978	0
Property and equipment, net	207	172
Deferred income taxes	236	341
Related party receivables	589	384
Other assets	774	478
Due from affiliates	0	0
Investment in affiliates	0	0
Total assets	59,546	47,724
Secured debt	28,284	25,214
Unsecured debt	19,975	12,217
Accounts payable and accrued expenses	1,094	1,002
Deferred income	1,205	392
Deferred income taxes	84	20
Related party taxes payable	649	636
Related party payables	527	433
Other liabilities	324	418
Due to affiliates	0	0
Total liabilities	52,142	40,332
Common stock	0	0
Additional paid-in capital	5,819	5,799
Accumulated other comprehensive loss	(956)	(433)	(207)
Retained earnings	2,541	2,026
Total shareholder's equity	7,404	7,392
Total liabilities and shareholder's equity	59,546	47,724
Parent Company [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	0	0	0	0
Finance receivables, net	0	0
Leased vehicles, net	0	0
Restricted cash	0	0
Goodwill	1,095	1,095
Equity in net assets of non-consolidated affiliates	0
Property and equipment, net	0	0
Deferred income taxes	137	28
Related party receivables	0	0
Other assets	122	94
Due from affiliates	12,942	6,787
Investment in affiliates	8,398	7,684
Total assets	22,694	15,688
Secured debt	0	0
Unsecured debt	14,440	7,500
Accounts payable and accrued expenses	127	78
Deferred income	0	0
Deferred income taxes	0	0
Related party taxes payable	649	636
Related party payables	0	0
Other liabilities	74	82
Due to affiliates	0	0
Total liabilities	15,290	8,296
Common stock	0	0
Additional paid-in capital	5,819	5,799
Accumulated other comprehensive loss	(956)	(433)
Retained earnings	2,541	2,026
Total shareholder's equity	7,404	7,392
Total liabilities and shareholder's equity	22,694	15,688
Guarantor [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	834	2,266	809	395
Finance receivables, net	3,621	2,401
Leased vehicles, net	0	0
Restricted cash	36	17
Goodwill	0	0
Equity in net assets of non-consolidated affiliates	0
Property and equipment, net	43	23
Deferred income taxes	0	0
Related party receivables	23	11
Other assets	32	18
Due from affiliates	0	0
Investment in affiliates	7,070	4,059
Total assets	11,659	8,795
Secured debt	0	0
Unsecured debt	0	0
Accounts payable and accrued expenses	205	156
Deferred income	0	0
Deferred income taxes	267	288
Related party taxes payable	0	0
Related party payables	0	0
Other liabilities	11	12
Due to affiliates	6,632	4,164
Total liabilities	7,115	4,620
Common stock	0	0
Additional paid-in capital	79	79
Accumulated other comprehensive loss	(154)	(64)
Retained earnings	4,619	4,160
Total shareholder's equity	4,544	4,175
Total liabilities and shareholder's equity	11,659	8,795
Non-Guarantors [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	768	708	708	679
Finance receivables, net	31,453	30,599
Leased vehicles, net	16,915	7,060
Restricted cash	1,892	2,054
Goodwill	148	149
Equity in net assets of non-consolidated affiliates	978
Property and equipment, net	164	149
Deferred income taxes	288	601
Related party receivables	566	373
Other assets	620	366
Due from affiliates	0	400
Investment in affiliates	0	0
Total assets	53,792	42,459
Secured debt	28,284	25,214
Unsecured debt	5,535	4,717
Accounts payable and accrued expenses	762	768
Deferred income	1,205	392
Deferred income taxes	6	20
Related party taxes payable	0	0
Related party payables	527	433
Other liabilities	239	324
Due to affiliates	6,310	3,023
Total liabilities	42,868	34,891
Common stock	690	690
Additional paid-in capital	7,238	4,064
Accumulated other comprehensive loss	(937)	(410)
Retained earnings	3,933	3,224
Total shareholder's equity	10,924	7,568
Total liabilities and shareholder's equity	53,792	42,459
Eliminations [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	0	0	$ 0	$ 0
Finance receivables, net	0	0
Leased vehicles, net	0	0
Restricted cash	0	0
Goodwill	0	0
Equity in net assets of non-consolidated affiliates	0
Property and equipment, net	0	0
Deferred income taxes	(189)	(288)
Related party receivables	0	0
Other assets	0	0
Due from affiliates	(12,942)	(7,187)
Investment in affiliates	(15,468)	(11,743)
Total assets	(28,599)	(19,218)
Secured debt	0	0
Unsecured debt	0	0
Accounts payable and accrued expenses	0	0
Deferred income	0	0
Deferred income taxes	(189)	(288)
Related party taxes payable	0	0
Related party payables	0	0
Other liabilities	0	0
Due to affiliates	(12,942)	(7,187)
Total liabilities	(13,131)	(7,475)
Common stock	(690)	(690)
Additional paid-in capital	(7,317)	(4,143)
Accumulated other comprehensive loss	1,091	474
Retained earnings	(8,552)	(7,384)
Total shareholder's equity	(15,468)	(11,743)
Total liabilities and shareholder's equity	$ (28,599)	$ (19,218)

Guarantor Condensed Consolida66

Guarantor Condensed Consolidating Financial Statements Guarantor Income Statements (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Condensed Income Statements, Captions [Line Items]
Finance charge income	$ 842	$ 883	$ 2,544	$ 2,595
Leased vehicle income	797	297	1,827	735
Other income	68	81	205	219
Total revenue	1,707	1,261	4,576	3,549
Salaries and benefits	185	158	531	448
Other operating expenses	135	139	414	398
Total operating expenses	320	297	945	846
Leased vehicle expenses	629	228	1,423	563
Provision for loan losses	144	160	440	408
Interest expense	412	368	1,183	1,037
Total costs and expenses	1,505	1,053	3,991	2,854
Equity income	29	0	85	0
Income before income taxes	231	208	670	695
Income tax (benefit) provision	52	50	155	217
Net income	179	158	515	478
Comprehensive (loss) income	(103)	(114)	(8)	260
Parent Company [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income	0	0	0	0
Leased vehicle income	0	0	0	0
Other income	2	18	13	58
Total revenue	2	18	13	58
Salaries and benefits	0	0	0	0
Other operating expenses	21	117	56	112
Total operating expenses	21	117	56	112
Leased vehicle expenses	0	0	0	0
Provision for loan losses	0	0	0	0
Interest expense	134	56	342	155
Total costs and expenses	155	173	398	267
Equity income	255	242	716	601
Income before income taxes	102	87	331	392
Income tax (benefit) provision	(77)	(71)	(184)	(86)
Net income	179	158	515	478
Comprehensive (loss) income	(103)	(114)	(8)	260
Guarantor [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income	114	48	294	117
Leased vehicle income	0	0	0	0
Other income	137	115	363	346
Total revenue	251	163	657	463
Salaries and benefits	79	64	245	180
Other operating expenses	25	(75)	95	(1)
Total operating expenses	104	(11)	340	179
Leased vehicle expenses	0	0	0	0
Provision for loan losses	112	97	302	232
Interest expense	0	8	1	27
Total costs and expenses	216	94	643	438
Equity income	167	139	452	408
Income before income taxes	202	208	466	433
Income tax (benefit) provision	15	27	6	11
Net income	187	181	460	422
Comprehensive (loss) income	141	148	370	392
Non-Guarantors [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income	728	835	2,250	2,478
Leased vehicle income	797	297	1,827	735
Other income	33	46	118	126
Total revenue	1,558	1,178	4,195	3,339
Salaries and benefits	106	94	286	268
Other operating expenses	150	160	453	474
Total operating expenses	256	254	739	742
Leased vehicle expenses	629	228	1,423	563
Provision for loan losses	32	63	138	176
Interest expense	321	339	939	979
Total costs and expenses	1,238	884	3,239	2,460
Equity income	29	0	85	0
Income before income taxes	349	294	1,041	879
Income tax (benefit) provision	114	94	333	292
Net income	235	200	708	587
Comprehensive (loss) income	(47)	(71)	181	371
Eliminations [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income	0	0	0	0
Leased vehicle income	0	0	0	0
Other income	(104)	(98)	(289)	(311)
Total revenue	(104)	(98)	(289)	(311)
Salaries and benefits	0	0	0	0
Other operating expenses	(61)	(63)	(190)	(187)
Total operating expenses	(61)	(63)	(190)	(187)
Leased vehicle expenses	0	0	0	0
Provision for loan losses	0	0	0	0
Interest expense	(43)	(35)	(99)	(124)
Total costs and expenses	(104)	(98)	(289)	(311)
Equity income	(422)	(381)	(1,168)	(1,009)
Income before income taxes	(422)	(381)	(1,168)	(1,009)
Income tax (benefit) provision	0	0	0	0
Net income	(422)	(381)	(1,168)	(1,009)
Comprehensive (loss) income	$ (94)	$ (77)	$ (551)	$ (763)

Guarantor Condensed Consolida67

Guarantor Condensed Consolidating Financial Statements Guarantor Cash Flows (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Condensed Cash Flow Statements, Captions [Line Items]
Net cash provided by operating activities	$ 2,167	$ 1,400
Cash flows from investing activities:
Purchases of consumer finance receivables, net	(13,099)	(10,850)
Principal collections and recoveries on consumer finance receivables	8,718	8,124
Proceeds from sale of consumer finance receivables, net	0	0
Net funding of commercial finance receivables	(179)	(408)
Purchases of leased vehicles, net	(11,258)	(3,227)
Proceeds from termination of leased vehicles	662	395
Acquisition of international operations	(1,049)	(46)
Disposition of equity interest	125
Purchases of property and equipment	(64)	(37)
Change in restricted cash	(236)	(187)
Change in other assets	24	(2)
Net change in investment in affiliates	0	0
Net cash used in investing activities	(16,356)	(6,238)
Cash flows from financing activities:
Net change in debt (original maturities less than three months)	539	(913)
Borrowings and issuance of secured debt	15,095	15,847
Payments on secured debt	(10,903)	(13,568)
Borrowings and issuance of unsecured debt	9,559	5,403
Payments on unsecured debt	(1,195)	(1,339)
Net capital contributions	0	0
Debt issuance costs	(124)	(107)
Net change in due from/due to affiliates	0	0
Net cash provided by financing activities	12,971	5,323
Net (decrease) increase in cash and cash equivalents	(1,218)	485
Effect of foreign exchange rate changes on cash and cash equivalents	(154)	(42)
Cash and cash equivalents at beginning of period	2,974	1,074
Cash and cash equivalents at end of period	1,602	1,517
Parent Company [Member]
Condensed Cash Flow Statements, Captions [Line Items]
Net cash provided by operating activities	(184)	255
Cash flows from investing activities:
Purchases of consumer finance receivables, net	0	0
Principal collections and recoveries on consumer finance receivables	0	0
Proceeds from sale of consumer finance receivables, net		0
Net funding of commercial finance receivables	0	0
Purchases of leased vehicles, net	0	0
Proceeds from termination of leased vehicles	0	0
Acquisition of international operations	(513)	(46)
Disposition of equity interest	0
Purchases of property and equipment	0	0
Change in restricted cash	0	0
Change in other assets	0	0
Net change in investment in affiliates	(6)	0
Net cash used in investing activities	(519)	(46)
Cash flows from financing activities:
Net change in debt (original maturities less than three months)	0	0
Borrowings and issuance of secured debt	0	0
Payments on secured debt	0	0
Borrowings and issuance of unsecured debt	6,939	3,500
Payments on unsecured debt	0	0
Net capital contributions	0	26
Debt issuance costs	(47)	(39)
Net change in due from/due to affiliates	(6,189)	(3,696)
Net cash provided by financing activities	703	(209)
Net (decrease) increase in cash and cash equivalents	0	0
Effect of foreign exchange rate changes on cash and cash equivalents	0	0
Cash and cash equivalents at beginning of period	0	0
Cash and cash equivalents at end of period	0	0
Guarantor [Member]
Condensed Cash Flow Statements, Captions [Line Items]
Net cash provided by operating activities	314	233
Cash flows from investing activities:
Purchases of consumer finance receivables, net	(8,100)	(4,872)
Principal collections and recoveries on consumer finance receivables	414	(109)
Proceeds from sale of consumer finance receivables, net	5,994	3,319
Net funding of commercial finance receivables	172	160
Purchases of leased vehicles, net	0	0
Proceeds from termination of leased vehicles	0	0
Acquisition of international operations	(536)	0
Disposition of equity interest	125
Purchases of property and equipment	(22)	(4)
Change in restricted cash	(20)	1
Change in other assets	0	0
Net change in investment in affiliates	(2,644)	546
Net cash used in investing activities	(4,617)	(959)
Cash flows from financing activities:
Net change in debt (original maturities less than three months)	0	0
Borrowings and issuance of secured debt	0	0
Payments on secured debt	0	0
Borrowings and issuance of unsecured debt	0	0
Payments on unsecured debt	0	0
Net capital contributions	0	0
Debt issuance costs	0	0
Net change in due from/due to affiliates	2,871	1,140
Net cash provided by financing activities	2,871	1,140
Net (decrease) increase in cash and cash equivalents	(1,432)	414
Effect of foreign exchange rate changes on cash and cash equivalents	0	0
Cash and cash equivalents at beginning of period	2,266	395
Cash and cash equivalents at end of period	834	809
Non-Guarantors [Member]
Condensed Cash Flow Statements, Captions [Line Items]
Net cash provided by operating activities	2,037	912
Cash flows from investing activities:
Purchases of consumer finance receivables, net	(10,993)	(9,297)
Principal collections and recoveries on consumer finance receivables	8,304	8,233
Proceeds from sale of consumer finance receivables, net	0	0
Net funding of commercial finance receivables	(351)	(568)
Purchases of leased vehicles, net	(11,258)	(3,227)
Proceeds from termination of leased vehicles	662	395
Acquisition of international operations	0	0
Disposition of equity interest	0
Purchases of property and equipment	(42)	(33)
Change in restricted cash	(216)	(188)
Change in other assets	24	(2)
Net change in investment in affiliates	0	0
Net cash used in investing activities	(13,870)	(4,687)
Cash flows from financing activities:
Net change in debt (original maturities less than three months)	539	(913)
Borrowings and issuance of secured debt	15,095	15,847
Payments on secured debt	(10,903)	(13,568)
Borrowings and issuance of unsecured debt	2,620	1,903
Payments on unsecured debt	(1,195)	(1,339)
Net capital contributions	2,650	(572)
Debt issuance costs	(77)	(68)
Net change in due from/due to affiliates	3,318	2,556
Net cash provided by financing activities	12,047	3,846
Net (decrease) increase in cash and cash equivalents	214	71
Effect of foreign exchange rate changes on cash and cash equivalents	(154)	(42)
Cash and cash equivalents at beginning of period	708	679
Cash and cash equivalents at end of period	768	708
Eliminations [Member]
Condensed Cash Flow Statements, Captions [Line Items]
Net cash provided by operating activities	0	0
Cash flows from investing activities:
Purchases of consumer finance receivables, net	5,994	3,319
Principal collections and recoveries on consumer finance receivables	0	0
Proceeds from sale of consumer finance receivables, net	(5,994)	(3,319)
Net funding of commercial finance receivables	0	0
Purchases of leased vehicles, net	0	0
Proceeds from termination of leased vehicles	0	0
Acquisition of international operations	0	0
Disposition of equity interest		0
Purchases of property and equipment	0	0
Change in restricted cash	0	0
Change in other assets	0	0
Net change in investment in affiliates	2,650	(546)
Net cash used in investing activities	2,650	(546)
Cash flows from financing activities:
Net change in debt (original maturities less than three months)	0	0
Borrowings and issuance of secured debt	0	0
Payments on secured debt	0	0
Borrowings and issuance of unsecured debt	0	0
Payments on unsecured debt	0	0
Net capital contributions	(2,650)	546
Debt issuance costs	0	0
Net change in due from/due to affiliates	0	0
Net cash provided by financing activities	(2,650)	546
Net (decrease) increase in cash and cash equivalents	0	0
Effect of foreign exchange rate changes on cash and cash equivalents	0	0
Cash and cash equivalents at beginning of period	0	0
Cash and cash equivalents at end of period	$ 0	$ 0