General Motors Financial (ACF) 10-Q21 Apr 162016 Q1 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information Document - shares	3 Months Ended
Document and Entity Information Document - shares	Mar. 31, 2016	Apr. 20, 2016
Document and Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2016
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q1
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	Mar. 31, 2016	Dec. 31, 2015
Assets
Cash and cash equivalents	$ 2,898	$ 3,061
Finance receivables, net	38,658	36,781
Leased vehicles, net	24,538	20,172
Restricted cash	2,130	1,941
Goodwill	1,195	1,189
Equity in net assets of non-consolidated affiliates	989	986
Property and equipment, net of accumulated depreciation of $101 and $91	230	219
Deferred income taxes	251	231
Related party receivables	1,076	573
Other assets	799	751
Total assets	72,764	65,904
Liabilities
Secured debt	32,733	30,689
Unsecured debt	27,638	23,657
Accounts payable and accrued expenses	1,236	1,218
Deferred income	1,783	1,454
Deferred income taxes	161	129
Related party payables	448	362
Other liabilities	390	343
Total liabilities	$ 64,389	$ 57,852
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	6,491	6,484
Accumulated other comprehensive loss	(952)	(1,104)
Retained earnings	2,836	2,672
Total shareholder's equity	8,375	8,052
Total liabilities and shareholder's equity	$ 72,764	$ 65,904

Condensed Consolidated Balance3

Condensed Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
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	$ 101	$ 91

Condensed Consolidated Statemen

Condensed Consolidated Statements Of Income And Comprehensive Income - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Revenue
Finance charge income	$ 818	$ 854
Leased vehicle income	1,184	431
Other income	73	69
Total revenue	2,075	1,354
Costs and expenses
Salaries and benefits	193	165
Other operating expenses	141	141
Total operating expenses	334	306
Leased vehicle expenses	893	327
Provision for loan losses	196	155
Interest expense	463	380
Total costs and expenses	1,886	1,168
Equity income	36	28
Income before income taxes	225	214
Income tax provision	61	64
Net income	164	150
Other comprehensive income (loss)
Defined benefit plans, net	(1)	1
Foreign currency translation adjustment	153	(347)
Other comprehensive (loss) income, net	152	(346)
Comprehensive income (loss)	$ 316	$ (196)

Condensed Consolidated Stateme5

Condensed Consolidated Statements Of Cash Flows - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Statement of Cash Flows [Abstract]
Net cash provided by operating activities	$ 1,158	$ 545
Cash flows from investing activities
Purchases of retail finance receivables, net	(4,165)	(4,065)
Principal collections and recoveries on retail finance receivables	3,271	2,814
Net funding of commercial finance receivables	(1,024)	54
Purchases of leased vehicles, net	(5,158)	(2,319)
Proceeds from termination of leased vehicles	481	185
Acquisition of international operations	0	(1,049)
Purchases of property and equipment	(20)	(17)
Change in restricted cash	(176)	(154)
Change in other assets	1	6
Net cash used in investing activities	(6,790)	(4,545)
Cash flows from financing activities
Net change in debt (original maturities less than three months)	757	198
Borrowings and issuance of secured debt	7,054	2,889
Payments on secured debt	(5,251)	(2,748)
Borrowings and issuance of unsecured debt	3,131	3,258
Payments on unsecured debt	(241)	(308)
Debt issuance costs	(26)	(41)
Net cash provided by financing activities	5,424	3,248
Net decrease in cash and cash equivalents	(208)	(752)
Effect of foreign exchange rate changes on cash and cash equivalents	45	(101)
Cash and cash equivalents at beginning of period	3,061	2,974
Cash and cash equivalents at end of period	2,898	2,121
Supplemental cash flow information
Subvention receivable from GM	436	252
Commercial loan funding payable to GM	435	425
Sale of equity interest in SAIC-GMAC	$ 0	$ 125

Summary of Significant Accounti

Summary of Significant Accounting Policies	3 Months Ended
Summary of Significant Accounting Policies	Mar. 31, 2016
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 3, 2016 ("Form 10-K"). The condensed consolidated financial statements at March 31, 2016 , and for the three months ended March 31, 2016 and 2015 , 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 are the wholly-owned captive finance subsidiary of General Motors Company ("GM"). 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." Accounting Standards Not Yet Adopted In February 2016 the Financial Accounting Standards Board ("FASB") issued ASU 2016-02, “Leases” (ASU 2016-02), which requires the lessee to recognize most leases on the balance sheet thereby resulting in the recognition of lease assets and liabilities for those leases currently classified as operating leases. The accounting for lessors is largely unchanged. ASU 2016-02 is effective for annual reporting periods beginning after December 15, 2018 with early adoption permitted. We are currently assessing the impact the adoption of ASU 2016-02 will have on our consolidated financial statements.

Related Party Transactions

Related Party Transactions	3 Months Ended
Related Party Transactions	Mar. 31, 2016
Related Party Transactions [Abstract]
Related Party Transactions	Related Party Transactions We offer loan and lease finance products through GM-franchised dealers to customers purchasing new and certain used vehicles manufactured by GM and make commercial loans directly to GM-franchised dealers and their affiliates. We also offer commercial loans to dealers that are consolidated by GM and those balances are included in our finance receivables, net. Under subvention programs, GM makes cash payments to us for offering incentivized rates and structures on retail loan and lease finance products. In addition, GM makes payments to us to cover certain interest payments on commercial loans. We also provide funding under lines of credit to GM. During the three months ended March 31, 2016, we advanced $456 million under a new line of credit to GM subsidiary Adam Opel AG. We have related party payables due to GM, primarily for commercial finance receivables originated but not yet funded. These payables typically settle within 30 days . The following tables present related party transactions (in millions): Balance Sheet Data March 31, 2016 December 31, 2015 Commercial finance receivables, net due from dealers consolidated by GM (a) $ 288 $ 229 Advances drawn on lines of credit due from GM (b) $ 640 $ 190 Subvention receivable (c) $ 436 $ 383 Commercial loan funding payable (d) $ 435 $ 351 Income Statement Data Three Months Ended March 31, 2016 2015 Interest subvention earned (e) $ 103 $ 78 Leased vehicle subvention earned (f) $ (459 ) $ (136 ) _________________ (a) Included in commercial finance receivables. (b) Included in related party receivables. (c) Included in related party receivables. For the three months ended March 31, 2016 and 2015, we received $1.2 billion and $0.5 billion in subvention payments from GM, primarily related to lease originations. (d) Included in related party payables. (e) Included in finance charge income. (f) Included as a reduction to leased vehicle expenses. Under our support agreement with GM (the “Support Agreement”), if our earning assets leverage ratio at the end of any calendar quarter exceeds the applicable threshold set in the Support Agreement, we may require GM to provide funding sufficient to bring our earning assets leverage ratio to within the applicable threshold. In determining our earning assets leverage ratio (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. 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 of up to $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 junior subordinated unsecured intercompany revolving credit facility (the "Junior Subordinated Revolving Credit Facility"). There were no advances outstanding under the Junior Subordinated Revolving Credit Facility at March 31, 2016 . Since October 1, 2010, we have been included in GM's consolidated U.S. federal income tax returns. For taxable income we recognize in any period beginning on or after October 1, 2010, we are obligated to pay GM for our share of the consolidated U.S. federal and certain state tax liabilities. Amounts owed to GM for income taxes are accrued and recorded as a related party payable. At March 31, 2016, there are no related party taxes payable to GM due to our taxable loss position.

Finance Receivables

Finance Receivables	3 Months Ended
Finance Receivables	Mar. 31, 2016
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Finance Receivables	Finance Receivables The finance receivables portfolio consists of the following (in millions): March 31, 2016 December 31, 2015 Retail Retail finance receivables, collectively evaluated for impairment, net of fees (a) $ 28,613 $ 27,512 Retail finance receivables, individually evaluated for impairment, net of fees 1,659 1,612 Total retail finance receivables (b) 30,272 29,124 Less: allowance for loan losses - collective (567 ) (515 ) Less: allowance for loan losses - specific (229 ) (220 ) Total retail finance receivables, net 29,476 28,389 Commercial Commercial finance receivables, collectively evaluated for impairment, net of fees 9,116 8,357 Commercial finance receivables, individually evaluated for impairment, net of fees 113 82 Total commercial finance receivables 9,229 8,439 Less: allowance for loan losses - collective (37 ) (38 ) Less: allowance for loan losses - specific (10 ) (9 ) Total commercial finance receivables, net 9,182 8,392 Total finance receivables, net $ 38,658 $ 36,781 ________________ (a) Includes $1.2 billion and $1.1 billion of direct-financing leases at March 31, 2016 and December 31, 2015 . (b) Net of unearned income, unamortized premiums and discounts, and deferred fees and costs o f $195 million and $179 million at March 31, 2016 and December 31, 2015 . Retail Finance Receivables Following is a summary of activity in our retail finance receivables portfolio (in millions): Three Months Ended March 31, 2016 2015 Beginning balance $ 29,124 $ 25,623 Purchases 4,143 4,078 Principal collections and other (3,067 ) (2,593 ) Charge-offs (293 ) (234 ) Foreign currency translation 365 (1,283 ) Ending balance $ 30,272 $ 25,591 A summary of the activity in the allowance for retail loan losses is as follows (in millions): Three Months Ended March 31, 2016 2015 Beginning balance $ 735 $ 655 Provision for loan losses 197 157 Charge-offs (293 ) (234 ) Recoveries 150 122 Foreign currency translation 7 (8 ) Ending balance $ 796 $ 692 Retail 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. We also consider other factors, such as employment history, financial stability and capacity to pay. At the time of loan origination, substantially all of our international customers 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 lending programs. A summary of the credit risk profile by FICO score band or equivalent scores, determined at origination, of the retail finance receivables in the North America Segment is as follows (dollars in millions): March 31, 2016 December 31, 2015 Amount Percent Amount Percent Prime - FICO Score 680 and greater $ 5,063 26.9 % $ 4,418 24.4 % Near-prime - FICO Score 620 to 679 3,001 16.0 % 2,890 15.9 % Sub-prime - FICO Score less than 620 10,742 57.1 % 10,840 59.7 % Balance at end of period $ 18,806 100.0 % $ 18,148 100.0 % In addition, we review the credit quality of our retail finance receivables based on customer payment activity. A retail account is considered delinquent if a substantial portion of a scheduled payment has not been received by the date such payment was contractually due. Retail 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 customer defaults on the payment terms of the contract. The following is a consolidated summary of the contractual amounts of retail 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): March 31, 2016 March 31, 2015 Total Percent of Contractual Amount Due Total Percent of Contractual Amount Due 31 - 60 days $ 963 3.1 % $ 880 3.4 % Greater than 60 days 421 1.4 357 1.4 1,384 4.5 1,237 4.8 In repossession 48 0.2 42 0.2 $ 1,432 4.7 % $ 1,279 5.0 % The accrual of finance charge income has been suspended on $667 million and $778 million of retail finance receivables (based on contractual amount due) at March 31, 2016 and December 31, 2015 . Impaired Retail Finance Receivables - TDRs Retail 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. 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 March 31, 2016 and December 31, 2015 , the outstanding balance of retail 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. The outstanding recorded investment for retail finance receivables that are considered to be TDRs and the related allowance is presented below (in millions): March 31, 2016 December 31, 2015 Outstanding recorded investment $ 1,659 $ 1,612 Less: allowance for loan losses (229 ) (220 ) Outstanding recorded investment, net of allowance $ 1,430 $ 1,392 Unpaid principal balance $ 1,700 $ 1,642 Additional information about loans classified as TDRs is presented below (in millions, except for number of loans): Three Months Ended March 31, 2016 2015 Average outstanding recorded investment $ 1,636 $ 1,264 Finance charge income recognized $ 51 $ 40 Number of loans classified as TDRs during the period 14,646 11,752 Recorded investment of loans classified as TDRs during the period $ 254 $ 199 A redefault is when an account meets the requirements for evaluation under our charge-off policy. 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 months ended March 31, 2016 and 2015 . Commercial Finance Receivables Following is a summary of activity in our commercial finance receivables portfolio (in millions): Three Months Ended March 31, 2016 2015 Beginning balance $ 8,439 $ 8,072 Net funding (collections) 665 (40 ) Charge-offs — — Foreign currency translation 125 (425 ) Ending balance $ 9,229 $ 7,607 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 or leased 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): March 31, 2016 December 31, 2015 Group I - Dealers with superior financial metrics $ 1,318 $ 1,299 Group II - Dealers with strong financial metrics 2,881 2,648 Group III - Dealers with fair financial metrics 3,001 2,703 Group IV - Dealers with weak financial metrics 1,249 1,100 Group V - Dealers warranting special mention due to potential weaknesses 630 505 Group VI - Dealers with loans classified as substandard, doubtful or impaired 150 184 Ending balance $ 9,229 $ 8,439 At March 31, 2016 and December 31, 2015 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 months ended March 31, 2016 and 2015 .

Leased Vehicles

Leased Vehicles	3 Months Ended
Leased Vehicles	Mar. 31, 2016
Property Subject to or Available for Operating Lease, Net [Abstract]
Leased Vehicles	Leased Vehicles The following table presents information regarding our leased vehicles (in millions): March 31, 2016 December 31, 2015 Leased vehicles $ 33,707 $ 27,587 Manufacturer incentives (5,606 ) (4,582 ) 28,101 23,005 Less: accumulated depreciation (3,563 ) (2,833 ) Leased vehicles, net $ 24,538 $ 20,172 The following table summarizes minimum rental payments due to us as lessor under operating leases (in millions): Years Ending December 31, 2016 2017 2018 2019 2020 Total Minimum rental payments under operating leases $ 3,056 $ 3,580 $ 2,113 $ 387 $ 14 $ 9,150

Restricted Cash

Restricted Cash	3 Months Ended
Restricted Cash	Mar. 31, 2016
Cash and Cash Equivalents [Abstract]
Restricted Cash	Restricted Cash The following table summarizes the components of restricted cash (in millions): March 31, 2016 December 31, 2015 Revolving credit facilities $ 372 $ 345 Securitization notes payable 1,689 1,531 Other 69 65 Total restricted cash $ 2,130 $ 1,941 Restricted cash for securitization notes payable and revolving credit facilities includes collections from borrowers that have not yet been used for repayment of debt. In addition, this cash includes funds deposited in restricted cash accounts as collateral required to support securitization transactions or to provide additional collateral for borrowings under revolving credit facilities.

Equity in Net Assets of Non-con

Equity in Net Assets of Non-consolidated Affiliates	3 Months Ended
Equity in Net Assets of Non-consolidated Affiliates	Mar. 31, 2016
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. We use the equity method to account for our equity interest in SAIC-GMAC Automotive Finance Company Limited ("SAIC-GMAC"), a joint venture that conducts auto finance operations in China. 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 March 31, 2016 , we had undistributed earnings of $77 million related to SAIC-GMAC. Equity income from SAIC-GMAC recorded in the three months ended March 31, 2016 and 2015 was $36 million and $28 million . We received a cash dividend from SAIC-GMAC of $27 million in the three months ended March 31, 2016 .

Debt

Debt	3 Months Ended
Debt	Mar. 31, 2016
Debt Disclosure [Abstract]
Debt	Debt Debt consists of the following (in millions): March 31, 2016 December 31, 2015 Secured debt Revolving credit facilities $ 8,713 $ 7,548 Securitization notes payable 24,020 23,141 Total secured debt $ 32,733 $ 30,689 Unsecured debt Senior notes $ 21,827 $ 18,973 Credit facilities 3,546 2,759 Retail customer deposits 1,599 1,260 Other unsecured debt 666 665 Total unsecured debt $ 27,638 $ 23,657 Secured Debt Most of the secured debt was issued by variable interest entities, as further discussed in Note 8 - "Variable Interest Entities." This debt is repayable only from proceeds related to the underlying pledged finance receivables and leasing related assets. During the three months ended March 31, 2016 , we entered into new credit facilities or renewed credit facilities with a total additional net borrowing capacity of $366 million , and we issued securitization notes payable of $3.2 billion through securitization transactions. Unsecured Debt In March 2016, our top-tier holding company issued $2.75 billion in senior notes comprised of $1.5 billion of 4.20% notes due in March 2021 and $1.25 billion of 5.25% notes due in March 2026 . All of these notes are guaranteed solely by AmeriCredit Financial Services, Inc. ("AFSI"). These notes contain terms and covenants customary of these types of securities including limitations on our ability to incur certain liens. During the three months ended March 31, 2016 , we increased net borrowing capacity on unsecured committed credit facilities by $66 million . During 2015, we began accepting deposits from retail banking customers in Germany. Following is summarized information for our deposits at March 31, 2016 and December 31, 2015 (dollars in millions): March 31, 2016 December 31, 2015 Outstanding Balance Weighted Average Interest Rate Outstanding Balance Weighted Average Interest Rate Overnight deposits $ 654 0.85 % $ 555 1.00 % Term deposits -12 months 444 1.27 % 337 1.32 % Term deposits - 24 months 192 1.38 % 123 1.44 % Term deposits - 36 months 309 1.60 % 245 1.65 % Total deposits $ 1,599 1.18 % $ 1,260 1.25 % Compliance with Debt Covenants Several of our loan facilities, including our revolving credit facilities, require compliance with certain financial and operational covenants as well as regular reporting to lenders, including providing certain subsidiary financial statements. Some of our secured and unsecured debt agreements also contain various covenants, including maintaining portfolio performance ratios as well as limits on deferment levels. At March 31, 2016, we were in compliance with these debt covenants.

Variable Interest Entities

Variable Interest Entities	3 Months Ended
Variable Interest Entities	Mar. 31, 2016
Variable Interest Entities [Abstract]
Variable Interest Entities	Variable Interest Entities Securitizations and credit facilities The following table summarizes the assets and liabilities related to our consolidated VIEs (in millions): March 31, 2016 December 31, 2015 Restricted cash $ 2,061 $ 1,876 Finance receivables, net $ 25,194 $ 24,942 Lease related assets $ 15,001 $ 11,684 Secured debt $ 31,662 $ 29,386 These amounts are related to securitization and credit facilities held by consolidated VIEs. Our continuing involvement with these VIEs consists of servicing assets held by the entities and holding residual interests in the entities. We consolidate these VIEs because we have (i) power over the significant activities of these entities and (ii) an obligation to absorb losses or the right to receive benefits from these VIEs which could be potentially significant to these VIEs. We are not required, and do not currently intend, to provide any additional financial support to these 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): March 31, 2016 December 31, 2015 Assets (a) $ 4,422 $ 3,652 Liabilities (b) $ 3,677 $ 2,941 _________________ (a) Comprised primarily of finance receivables of $3.5 billion and $3.2 billion at March 31, 2016 and December 31, 2015 . (b) Comprised primarily of debt of $2.9 billion and $2.6 billion at March 31, 2016 and December 31, 2015 . The following table summarizes the revenue and net income of these entities (in millions): Three Months Ended March 31, 2016 2015 Total revenue $ 47 $ 41 Net income $ 7 $ 11 Other transfers of finance receivables Under certain debt agreements, we transfer finance receivables to entities which we do not control through majority voting interest or through contractual arrangements. These transfers do not meet the criteria to be considered sales under U.S. GAAP; therefore, the finance receivables and the related debt are included in our 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 March 31, 2016 and December 31, 2015 , $1.2 billion and $1.5 billion in finance receivables had been transferred in secured funding arrangements to third-party banks, to which $1.1 billion and $1.4 billion in secured debt was outstanding.

Derivative Financial Instrument

Derivative Financial Instruments And Hedging Activities	3 Months Ended
Derivative Financial Instruments And Hedging Activities	Mar. 31, 2016
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): March 31, 2016 December 31, 2015 Level Notional Fair Value Notional Fair Value Fair value hedges Assets Interest rate swaps (a)(c) 2 $ 1,000 $ 19 $ — $ — Liabilities Interest rate swaps (a)(d) 2 $ 2,750 $ 24 $ 1,000 $ 6 Cash flow hedge Liabilities Interest rate swaps (b)(d) 3 $ 431 $ — $ — $ — Derivatives not designated as hedges Assets Interest rate swaps (b) 3 5,716 25 4,122 8 Interest rate caps (a) 2 8,410 8 6,327 19 Foreign currency swaps (a) 2 907 21 1,460 48 Total assets (c) $ 15,033 $ 54 $ 11,909 $ 75 Liabilities Interest rate swaps (b) 3 $ 8,445 $ 32 $ 8,041 $ 24 Interest rate caps (a) 2 7,956 8 5,892 19 Foreign currency swaps (a) 2 829 15 — — Total liabilities (d) $ 17,230 $ 55 $ 13,933 $ 43 _________________ (a) The fair value is based on observable market inputs. (b) The fair value is estimated by discounting future net cash flows expected to be settled using current risk-adjusted rates. (c) Included in other assets on the consolidated balance sheets. (d) Included in other liabilities on the consolidated balance sheets. The following table presents information on the effect of derivative instruments on the consolidated statements of income and comprehensive income (in millions): Three Months Ended March 31, 2016 2015 Fair value hedges Interest rate contracts (a) Net interest expense $ (4 ) $ — Ineffectiveness (b) (2 ) — Derivatives not designated as hedges Interest rate contracts (a) — (6 ) Foreign currency derivatives (c) 69 69 $ 63 $ 63 _________________ (a) Recognized in earnings as interest expense. (b) Hedge ineffectiveness reflects the net change in the fair value of interest rate contracts of $2 million offset by the change in fair value of hedged debt attributable to the hedged risk of $4 million . (c) Activity is substantially offset by translation activity (included in operating expenses) related to foreign currency-denominated loans. Cash flow hedges had no impact on the consolidated statement of income for the three months ended March 31, 2016 and 2015. 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 months ended March 31, 2016 and 2015 .

Fair Values Of Financial Instru

Fair Values Of Financial Instruments	3 Months Ended
Fair Values Of Financial Instruments	Mar. 31, 2016
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): March 31, 2016 December 31, 2015 Level Carrying Value Estimated Fair Value Carrying Value Estimated Fair Value Financial assets Cash and cash equivalents (a) 1 $ 2,898 $ 2,898 $ 3,061 $ 3,061 Retail finance receivables, net 3 $ 29,476 $ 29,784 $ 28,390 $ 28,545 Commercial finance receivables, net (b) 2 $ 9,182 $ 9,182 $ 8,392 $ 8,392 Restricted cash (a) 1 $ 2,130 $ 2,130 $ 1,941 $ 1,941 Financial liabilities Secured debt North America (c) 2 $ 25,231 $ 25,285 $ 23,151 $ 23,182 International (d) 2 $ 2,852 $ 2,852 $ 3,122 $ 3,125 International (e) 3 $ 4,650 $ 4,636 $ 4,416 $ 4,364 Unsecured debt North America (f) 2 $ 20,523 $ 20,867 $ 17,731 $ 17,792 International (g) 2 $ 5,733 $ 5,751 $ 4,605 $ 4,617 International (e) 3 $ 1,382 $ 1,381 $ 1,321 $ 1,317 _________________ (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 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 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 is estimated by discounting future net cash flows expected to be settled, which is an unobservable input, using current risk-adjusted rates. (f) The fair value is based on quoted market prices of identical instruments in thinly-traded markets. (g) The fair value of senior notes is based on quoted market prices of identical instruments in thinly-traded markets. The fair value of the remaining level 2 unsecured debt is assumed to be par value, as the debt has terms of one year or less. The fair value of our retail 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	3 Months Ended
Commitments and Contingencies	Mar. 31, 2016
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 are guaranteed by our primary U.S. operating subsidiary, AFSI. At March 31, 2016 and December 31, 2015 , the par value of these senior notes was $22.0 billion and $19.1 billion . See Note 16 - "Guarantor Condensed Consolidating Financial Statements" for further discussion. Legal Proceedings As a retail finance company, we are subject to various customer 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 customers 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 March 31, 2016 , we estimated our reasonably possible legal exposure for unfavorable outcomes of up to $106 million and have accrued $43 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 retail auto loan business and securitization of auto loans. These investigations are ongoing and 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. Where there is a reasonable possibility that losses exceeding amounts already recognized may be incurred, our estimate of the additional range of loss is up to $53 million .

Income Taxes

Income Taxes	3 Months Ended
Income Taxes	Mar. 31, 2016
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 months ended March 31, 2016 , income tax expense of $61 million primarily resulted from tax expense attributable to entities included in our effective tax rate calculation. In the three months ended March 31, 2015 , income tax expense of $64 million primarily resulted from tax expense attributable to entities included in our effective tax rate calculation, partially offset by tax benefits related to tax audit settlements in various jurisdictions. We are included in GM’s consolidated U.S. federal income tax return and for certain states’ income tax returns. Net operating losses and certain tax credits generated by us have been utilized by GM; however, income tax expense and deferred tax balances are presented in these financial statements as if we filed our own tax returns in each jurisdiction.

Segment Reporting

Segment Reporting	3 Months Ended
Segment Reporting	Mar. 31, 2016
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 March 31, 2016 North International Corporate Eliminations Total Total revenue $ 1,688 $ 387 $ (1 ) $ 1 $ 2,075 Operating expenses, including leased vehicle expenses 1,089 138 — — 1,227 Provision for loan losses 177 19 — — 196 Interest expense 305 157 — 1 463 Equity income — 36 — — 36 Income (loss) before income taxes $ 117 $ 109 $ (1 ) $ — $ 225 Three Months Ended March 31, 2015 North International Corporate Eliminations Total Total revenue $ 906 $ 448 $ 7 $ (7 ) $ 1,354 Operating expenses, including leased vehicle expenses 487 146 — — 633 Provision for loan losses 118 37 — — 155 Interest expense 165 206 16 (7 ) 380 Equity income — 28 — — 28 Income (loss) before income taxes $ 136 $ 87 $ (9 ) $ — $ 214 March 31, 2016 December 31, 2015 North International Total North International Total Finance receivables, net $ 22,535 $ 16,123 $ 38,658 $ 21,558 $ 15,223 $ 36,781 Leased vehicles, net $ 24,422 $ 116 $ 24,538 $ 20,086 $ 86 $ 20,172 Total assets $ 52,777 $ 19,987 $ 72,764 $ 47,419 $ 18,485 $ 65,904

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	3 Months Ended
Accumulated Other Comprehensive Loss	Mar. 31, 2016
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive Loss	Accumulated Other Comprehensive Loss A summary of changes in accumulated other comprehensive loss is as follows (in millions): Three Months Ended March 31, 2016 2015 Defined benefit plans, net Beginning balance $ (13 ) $ (11 ) Unrealized gain on subsidiary pension, net of tax (1 ) 1 Ending balance (14 ) (10 ) Foreign currency translation adjustment Beginning balance (1,091 ) (422 ) Translation income (loss) 153 (347 ) Ending balance (938 ) (769 ) Total accumulated other comprehensive loss $ (952 ) $ (779 )

Regulatory Capital

Regulatory Capital	3 Months Ended
Regulatory Capital	Mar. 31, 2016
Regulatory Capital and Other Regulatory Matters [Abstract]
Regulatory Capital	Regulatory Capital We are required to comply with a wide variety of laws and regulations. Our 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 capital requirements as most recently reported. Total assets of our regulated international banks and finance companies were approximately $12.2 billion and $11.1 billion at March 31, 2016 and December 31, 2015 .

Guarantor Condensed Consolidati

Guarantor Condensed Consolidating Financial Statements	3 Months Ended
Guarantor Condensed Consolidating Financial Statements	Mar. 31, 2016
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 March 31, 2016 and December 31, 2015 , and for the three months ended March 31, 2016 and 2015 (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. We determined that a revision was required to correct the classification of certain intercompany amounts between General Motors Financial Company, Inc. and Guarantor and Non-Guarantor Subsidiaries that were previously being presented net within the change in the due from/due to affiliates line item in the consolidating balance sheet in the financing activities section of the consolidating statements of cash flows for the three months ended March 31, 2015. As a result, correcting adjustments have been made from what was previously reported to (1) reclassify $1.6 billion of the net change in the due from affiliates for General Motors Financial Company, Inc. within the consolidating statements of cash flows to the investing activities section; and (2) reclassify $1.6 billion of the net change in the due from affiliates for the Guarantor within the consolidating statements of cash flows to the investing activities section. In addition, reclassifications have been made solely within the investing activities section of the consolidating statements of cash flows to separately present cash flow activities related to repurchases by the Guarantor of receivables that had previously been transferred to Non-Guarantor Subsidiaries of $672 million . These adjustments had no effect on the consolidated financial statements at or for the three months ended March 31, 2015. GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING BALANCE SHEET March 31, 2016 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 2,033 $ 865 $ — $ 2,898 Finance receivables, net — 6,132 32,526 — 38,658 Leased vehicles, net — — 24,538 — 24,538 Restricted cash — 67 2,063 — 2,130 Goodwill 1,095 — 100 — 1,195 Equity in net assets of non-consolidated affiliates — — 989 — 989 Property and equipment, net — 105 125 — 230 Deferred income taxes 268 — 246 (263 ) 251 Related party receivables — 26 1,050 — 1,076 Other assets 36 160 663 (60 ) 799 Due from affiliates 18,162 8,764 — (26,926 ) — Investment in affiliates 8,884 6,303 — (15,187 ) — Total assets $ 28,445 $ 23,590 $ 63,165 $ (42,436 ) $ 72,764 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 32,793 $ (60 ) $ 32,733 Unsecured debt 19,831 — 7,807 — 27,638 Accounts payable and accrued expenses 169 222 845 — 1,236 Deferred income — — 1,783 — 1,783 Deferred income taxes — 169 255 (263 ) 161 Related party payables — — 448 — 448 Other liabilities 70 43 277 — 390 Due to affiliates — 18,107 8,819 (26,926 ) — Total liabilities 20,070 18,541 53,027 (27,249 ) 64,389 Shareholder's equity Common stock — — 698 (698 ) — Additional paid-in capital 6,491 79 6,149 (6,228 ) 6,491 Accumulated other comprehensive loss (952 ) (136 ) (936 ) 1,072 (952 ) Retained earnings 2,836 5,106 4,227 (9,333 ) 2,836 Total shareholder's equity 8,375 5,049 10,138 (15,187 ) 8,375 Total liabilities and shareholder's equity $ 28,445 $ 23,590 $ 63,165 $ (42,436 ) $ 72,764 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING BALANCE SHEET December 31, 2015 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 2,259 $ 802 $ — $ 3,061 Finance receivables, net — 4,808 31,973 — 36,781 Leased vehicles, net — — 20,172 — 20,172 Restricted cash — 60 1,881 — 1,941 Goodwill 1,095 — 94 — 1,189 Equity in net assets of non-consolidated affiliates — — 986 — 986 Property and equipment, net — 41 178 — 219 Deferred income taxes 212 — 179 (160 ) 231 Related party receivables — 27 546 — 573 Other assets 32 32 687 — 751 Due from affiliates 15,573 7,556 — (23,129 ) — Investment in affiliates 8,476 6,425 — (14,901 ) — Total assets $ 25,388 $ 21,208 $ 57,498 $ (38,190 ) $ 65,904 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 30,689 $ — $ 30,689 Unsecured debt 17,087 — 6,570 — 23,657 Accounts payable and accrued expenses 181 717 320 — 1,218 Deferred income — — 1,454 — 1,454 Deferred income taxes — 289 — (160 ) 129 Related party payables — — 362 — 362 Other liabilities 68 34 241 — 343 Due to affiliates — 15,495 7,634 (23,129 ) — Total liabilities 17,336 16,535 47,270 (23,289 ) 57,852 Shareholder's equity Common stock — — 698 (698 ) — Additional paid-in capital 6,484 79 6,490 (6,569 ) 6,484 Accumulated other comprehensive loss (1,104 ) (175 ) (1,095 ) 1,270 (1,104 ) Retained earnings 2,672 4,769 4,135 (8,904 ) 2,672 Total shareholder's equity 8,052 4,673 10,228 (14,901 ) 8,052 Total liabilities and shareholder's equity $ 25,388 $ 21,208 $ 57,498 $ (38,190 ) $ 65,904 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Three Months Ended March 31, 2016 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 99 $ 719 $ — $ 818 Leased vehicle income — — 1,184 — 1,184 Other income (1 ) 205 15 (146 ) 73 Total revenue (1 ) 304 1,918 (146 ) 2,075 Costs and expenses Salaries and benefits — 135 58 — 193 Other operating expenses (4 ) 68 170 (93 ) 141 Total operating expenses (4 ) 203 228 (93 ) 334 Leased vehicle expenses — — 893 — 893 Provision for loan losses — 103 93 — 196 Interest expense 176 (30 ) 370 (53 ) 463 Total costs and expenses 172 276 1,584 (146 ) 1,886 Equity income 255 168 36 (423 ) 36 Income before income taxes 82 196 370 (423 ) 225 Income tax (benefit) provision (82 ) 12 131 — 61 Net income $ 164 $ 184 $ 239 $ (423 ) $ 164 Comprehensive income $ 316 $ 223 $ 398 $ (621 ) $ 316 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Three Months Ended March 31, 2015 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 80 $ 774 $ — $ 854 Leased vehicle income — — 431 — 431 Other income 7 108 45 (91 ) 69 Total revenue 7 188 1,250 (91 ) 1,354 Costs and expenses Salaries and benefits — 89 76 — 165 Other operating expenses 54 (3 ) 154 (64 ) 141 Total operating expenses 54 86 230 (64 ) 306 Leased vehicle expenses — — 327 — 327 Provision for loan losses — 74 81 — 155 Interest expense 94 (2 ) 315 (27 ) 380 Total costs and expenses 148 158 953 (91 ) 1,168 Equity income 238 129 28 (367 ) 28 Income before income taxes 97 159 325 (367 ) 214 Income tax (benefit) provision (53 ) 11 106 — 64 Net income $ 150 $ 148 $ 219 $ (367 ) $ 150 Comprehensive (loss) income $ (196 ) $ 90 $ (125 ) $ 35 $ (196 ) GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF CASH FLOWS Three Months Ended March 31, 2016 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Net cash (used in) provided by operating activities $ (144 ) $ (537 ) $ 1,839 $ — $ 1,158 Cash flows from investing activities Purchases of retail finance receivables, net — (4,466 ) (4,388 ) 4,689 (4,165 ) Principal collections and recoveries on retail finance receivables — 359 2,912 — 3,271 Proceeds from transfer of retail finance receivables, net — 2,866 1,823 (4,689 ) — Net funding of commercial finance receivables — (227 ) (797 ) — (1,024 ) Purchases of leased vehicles, net — — (5,158 ) — (5,158 ) Proceeds from termination of leased vehicles — — 481 — 481 Purchases of property and equipment — (15 ) (5 ) — (20 ) Change in restricted cash — (6 ) (170 ) — (176 ) Change in other assets — (60 ) 1 60 1 Net change in due from affiliates (2,587 ) (1,208 ) — 3,795 — Net change in investment in affiliates — 336 — (336 ) — Net cash used in investing activities (2,587 ) (2,421 ) (5,301 ) 3,519 (6,790 ) Cash flows from financing activities Net change in debt (original maturities less than three months) — — 757 — 757 Borrowings and issuance of secured debt — — 7,114 (60 ) 7,054 Payments on secured debt — — (5,251 ) — (5,251 ) Borrowings and issuance of unsecured debt 2,744 — 387 — 3,131 Payments on unsecured debt — — (241 ) — (241 ) Net capital contributions — — (336 ) 336 — Debt issuance costs (13 ) — (13 ) — (26 ) Net change in due to affiliates — 2,732 1,063 (3,795 ) — Net cash provided by financing activities 2,731 2,732 3,480 (3,519 ) 5,424 Net increase (decrease) in cash and cash equivalents — (226 ) 18 — (208 ) Effect of foreign exchange rate changes on cash and cash equivalents — — 45 — 45 Cash and cash equivalents at beginning of period — 2,259 802 — 3,061 Cash and cash equivalents at end of period $ — $ 2,033 $ 865 $ — $ 2,898 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF CASH FLOWS Three Months Ended March 31, 2015 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Net cash (used in) provided by operating activities $ (62 ) $ 368 $ 239 $ — $ 545 Cash flows from investing activities Purchases of retail finance receivables, net — (2,955 ) (2,950 ) 1,840 (4,065 ) Principal collections and recoveries on retail finance receivables — 120 2,694 — 2,814 Proceeds from transfer of retail finance receivables, net — 1,168 672 (1,840 ) — Net funding of commercial finance receivables — 150 (96 ) — 54 Purchases of leased vehicles, net — — (2,319 ) — (2,319 ) Proceeds from termination of leased vehicles — — 185 — 185 Acquisition of international operations (513 ) (536 ) — — (1,049 ) Purchases of property and equipment — (8 ) (9 ) — (17 ) Change in restricted cash — 4 (158 ) — (154 ) Change in other assets — — 6 — 6 Net change in due from affiliates (1,607 ) (1,633 ) — 3,240 — Net change in investment in affiliates (48 ) 571 — (523 ) — Net cash used in investing activities (2,168 ) (3,119 ) (1,975 ) 2,717 (4,545 ) Cash flows from financing activities Net change in debt (original maturities less than three months) — — 198 — 198 Borrowings and issuance of secured debt — — 2,889 — 2,889 Payments on secured debt — — (2,748 ) — (2,748 ) Borrowings and issuance of unsecured debt 2,250 — 1,008 — 3,258 Payments on unsecured debt — — (308 ) — (308 ) Net capital contributions — — (523 ) 523 — Debt issuance costs (20 ) — (21 ) — (41 ) Net change in due to affiliates — 1,929 1,311 (3,240 ) — Net cash provided by financing activities 2,230 1,929 1,806 (2,717 ) 3,248 Net increase (decrease) in cash and cash equivalents — (822 ) 70 — (752 ) Effect of foreign exchange rate changes on cash and cash equivalents — — (101 ) — (101 ) Cash and cash equivalents at beginning of period — 2,266 708 — 2,974 Cash and cash equivalents at end of period $ — $ 1,444 $ 677 $ — $ 2,121

Summary of Significant Accoun22

Summary of Significant Accounting Policies (Policies)	3 Months Ended
Summary of Significant Accounting Policies (Policies)	Mar. 31, 2016
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 3, 2016 ("Form 10-K"). The condensed consolidated financial statements at March 31, 2016 , and for the three months ended March 31, 2016 and 2015 , 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 are the wholly-owned captive finance subsidiary of General Motors Company ("GM"). 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."
Accounting Standards Not Yet Adopted	Accounting Standards Not Yet Adopted In February 2016 the Financial Accounting Standards Board ("FASB") issued ASU 2016-02, “Leases” (ASU 2016-02), which requires the lessee to recognize most leases on the balance sheet thereby resulting in the recognition of lease assets and liabilities for those leases currently classified as operating leases. The accounting for lessors is largely unchanged. ASU 2016-02 is effective for annual reporting periods beginning after December 15, 2018 with early adoption permitted. We are currently assessing the impact the adoption of ASU 2016-02 will have on our consolidated financial statements.

Related Party Transactions (Tab

Related Party Transactions (Tables)	3 Months Ended
Related Party Transactions (Tables)	Mar. 31, 2016
Related Party Transactions [Abstract]
Schedule of Related Party Transactions	The following tables present related party transactions (in millions): Balance Sheet Data March 31, 2016 December 31, 2015 Commercial finance receivables, net due from dealers consolidated by GM (a) $ 288 $ 229 Advances drawn on lines of credit due from GM (b) $ 640 $ 190 Subvention receivable (c) $ 436 $ 383 Commercial loan funding payable (d) $ 435 $ 351 Income Statement Data Three Months Ended March 31, 2016 2015 Interest subvention earned (e) $ 103 $ 78 Leased vehicle subvention earned (f) $ (459 ) $ (136 ) _________________ (a) Included in commercial finance receivables. (b) Included in related party receivables. (c) Included in related party receivables. For the three months ended March 31, 2016 and 2015, we received $1.2 billion and $0.5 billion in subvention payments from GM, primarily related to lease originations. (d) Included in related party payables. (e) Included in finance charge income. (f) Included as a reduction to leased vehicle expenses.

Finance Receivables (Tables)

Finance Receivables (Tables)	3 Months Ended
Finance Receivables (Tables)	Mar. 31, 2016
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Finance Receivables, Net	The finance receivables portfolio consists of the following (in millions): March 31, 2016 December 31, 2015 Retail Retail finance receivables, collectively evaluated for impairment, net of fees (a) $ 28,613 $ 27,512 Retail finance receivables, individually evaluated for impairment, net of fees 1,659 1,612 Total retail finance receivables (b) 30,272 29,124 Less: allowance for loan losses - collective (567 ) (515 ) Less: allowance for loan losses - specific (229 ) (220 ) Total retail finance receivables, net 29,476 28,389 Commercial Commercial finance receivables, collectively evaluated for impairment, net of fees 9,116 8,357 Commercial finance receivables, individually evaluated for impairment, net of fees 113 82 Total commercial finance receivables 9,229 8,439 Less: allowance for loan losses - collective (37 ) (38 ) Less: allowance for loan losses - specific (10 ) (9 ) Total commercial finance receivables, net 9,182 8,392 Total finance receivables, net $ 38,658 $ 36,781 ________________ (a) Includes $1.2 billion and $1.1 billion of direct-financing leases at March 31, 2016 and December 31, 2015 . (b) Net of unearned income, unamortized premiums and discounts, and deferred fees and costs o f $195 million and $179 million at March 31, 2016 and December 31, 2015 .
Finance Receivables Summary	Following is a summary of activity in our retail finance receivables portfolio (in millions): Three Months Ended March 31, 2016 2015 Beginning balance $ 29,124 $ 25,623 Purchases 4,143 4,078 Principal collections and other (3,067 ) (2,593 ) Charge-offs (293 ) (234 ) Foreign currency translation 365 (1,283 ) Ending balance $ 30,272 $ 25,591
Allowance for Credit Losses on Financing Receivables	A summary of the activity in the allowance for retail loan losses is as follows (in millions): Three Months Ended March 31, 2016 2015 Beginning balance $ 735 $ 655 Provision for loan losses 197 157 Charge-offs (293 ) (234 ) Recoveries 150 122 Foreign currency translation 7 (8 ) Ending balance $ 796 $ 692
Financing Receivable Credit Quality Indicators	March 31, 2016 December 31, 2015 Amount Percent Amount Percent Prime - FICO Score 680 and greater $ 5,063 26.9 % $ 4,418 24.4 % Near-prime - FICO Score 620 to 679 3,001 16.0 % 2,890 15.9 % Sub-prime - FICO Score less than 620 10,742 57.1 % 10,840 59.7 % Balance at end of period $ 18,806 100.0 % $ 18,148 100.0 %
Past Due Financing Receivables	March 31, 2016 March 31, 2015 Total Percent of Contractual Amount Due Total Percent of Contractual Amount Due 31 - 60 days $ 963 3.1 % $ 880 3.4 % Greater than 60 days 421 1.4 357 1.4 1,384 4.5 1,237 4.8 In repossession 48 0.2 42 0.2 $ 1,432 4.7 % $ 1,279 5.0 %
Troubled Debt Restructurings on Financing Receivables	At March 31, 2016 and December 31, 2015 , the outstanding balance of retail 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. The outstanding recorded investment for retail finance receivables that are considered to be TDRs and the related allowance is presented below (in millions): March 31, 2016 December 31, 2015 Outstanding recorded investment $ 1,659 $ 1,612 Less: allowance for loan losses (229 ) (220 ) Outstanding recorded investment, net of allowance $ 1,430 $ 1,392 Unpaid principal balance $ 1,700 $ 1,642 Additional information about loans classified as TDRs is presented below (in millions, except for number of loans): Three Months Ended March 31, 2016 2015 Average outstanding recorded investment $ 1,636 $ 1,264 Finance charge income recognized $ 51 $ 40 Number of loans classified as TDRs during the period 14,646 11,752 Recorded investment of loans classified as TDRs during the period $ 254 $ 199
Finance Receivables Summary - Post-acquisition - Commercial	Following is a summary of activity in our commercial finance receivables portfolio (in millions): Three Months Ended March 31, 2016 2015 Beginning balance $ 8,439 $ 8,072 Net funding (collections) 665 (40 ) Charge-offs — — Foreign currency translation 125 (425 ) Ending balance $ 9,229 $ 7,607
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): March 31, 2016 December 31, 2015 Group I - Dealers with superior financial metrics $ 1,318 $ 1,299 Group II - Dealers with strong financial metrics 2,881 2,648 Group III - Dealers with fair financial metrics 3,001 2,703 Group IV - Dealers with weak financial metrics 1,249 1,100 Group V - Dealers warranting special mention due to potential weaknesses 630 505 Group VI - Dealers with loans classified as substandard, doubtful or impaired 150 184 Ending balance $ 9,229 $ 8,439

Leased Vehicles (Tables)

Leased Vehicles (Tables)	3 Months Ended
Leased Vehicles (Tables)	Mar. 31, 2016
Property Subject to or Available for Operating Lease, Net [Abstract]
Summary of Leased Vehicles	The following table presents information regarding our leased vehicles (in millions): March 31, 2016 December 31, 2015 Leased vehicles $ 33,707 $ 27,587 Manufacturer incentives (5,606 ) (4,582 ) 28,101 23,005 Less: accumulated depreciation (3,563 ) (2,833 ) Leased vehicles, net $ 24,538 $ 20,172
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, 2016 2017 2018 2019 2020 Total Minimum rental payments under operating leases $ 3,056 $ 3,580 $ 2,113 $ 387 $ 14 $ 9,150

Restricted Cash (Tables)

Restricted Cash (Tables)	3 Months Ended
Restricted Cash (Tables)	Mar. 31, 2016
Cash and Cash Equivalents [Abstract]
Schedule of Restricted Cash	The following table summarizes the components of restricted cash (in millions): March 31, 2016 December 31, 2015 Revolving credit facilities $ 372 $ 345 Securitization notes payable 1,689 1,531 Other 69 65 Total restricted cash $ 2,130 $ 1,941

Debt (Tables)

Debt (Tables)	3 Months Ended
Debt (Tables)	Mar. 31, 2016
Debt Disclosure [Abstract]
Schedule of Debt	Debt consists of the following (in millions): March 31, 2016 December 31, 2015 Secured debt Revolving credit facilities $ 8,713 $ 7,548 Securitization notes payable 24,020 23,141 Total secured debt $ 32,733 $ 30,689 Unsecured debt Senior notes $ 21,827 $ 18,973 Credit facilities 3,546 2,759 Retail customer deposits 1,599 1,260 Other unsecured debt 666 665 Total unsecured debt $ 27,638 $ 23,657
Schedule of Deposit Liabilities	Following is summarized information for our deposits at March 31, 2016 and December 31, 2015 (dollars in millions): March 31, 2016 December 31, 2015 Outstanding Balance Weighted Average Interest Rate Outstanding Balance Weighted Average Interest Rate Overnight deposits $ 654 0.85 % $ 555 1.00 % Term deposits -12 months 444 1.27 % 337 1.32 % Term deposits - 24 months 192 1.38 % 123 1.44 % Term deposits - 36 months 309 1.60 % 245 1.65 % Total deposits $ 1,599 1.18 % $ 1,260 1.25 %

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	3 Months Ended
Variable Interest Entities (Tables)	Mar. 31, 2016
Securitization and Credit Facility VIEs [Member]
Variable Interest Entity [Line Items]
Schedule of Variable Interest Entities	The following table summarizes the assets and liabilities related to our consolidated VIEs (in millions): March 31, 2016 December 31, 2015 Restricted cash $ 2,061 $ 1,876 Finance receivables, net $ 25,194 $ 24,942 Lease related assets $ 15,001 $ 11,684 Secured debt $ 31,662 $ 29,386
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): March 31, 2016 December 31, 2015 Assets (a) $ 4,422 $ 3,652 Liabilities (b) $ 3,677 $ 2,941 _________________ (a) Comprised primarily of finance receivables of $3.5 billion and $3.2 billion at March 31, 2016 and December 31, 2015 . (b) Comprised primarily of debt of $2.9 billion and $2.6 billion at March 31, 2016 and December 31, 2015 . The following table summarizes the revenue and net income of these entities (in millions): Three Months Ended March 31, 2016 2015 Total revenue $ 47 $ 41 Net income $ 7 $ 11

Derivative Financial Instrume29

Derivative Financial Instruments And Hedging Activities (Tables)	3 Months Ended
	Mar. 31, 2016
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments	Derivative swap and cap agreements consist of the following (in millions): March 31, 2016 December 31, 2015 Level Notional Fair Value Notional Fair Value Fair value hedges Assets Interest rate swaps (a)(c) 2 $ 1,000 $ 19 $ — $ — Liabilities Interest rate swaps (a)(d) 2 $ 2,750 $ 24 $ 1,000 $ 6 Cash flow hedge Liabilities Interest rate swaps (b)(d) 3 $ 431 $ — $ — $ — Derivatives not designated as hedges Assets Interest rate swaps (b) 3 5,716 25 4,122 8 Interest rate caps (a) 2 8,410 8 6,327 19 Foreign currency swaps (a) 2 907 21 1,460 48 Total assets (c) $ 15,033 $ 54 $ 11,909 $ 75 Liabilities Interest rate swaps (b) 3 $ 8,445 $ 32 $ 8,041 $ 24 Interest rate caps (a) 2 7,956 8 5,892 19 Foreign currency swaps (a) 2 829 15 — — Total liabilities (d) $ 17,230 $ 55 $ 13,933 $ 43 _________________ (a) The fair value is based on observable market inputs. (b) The fair value is estimated by discounting future net cash flows expected to be settled using current risk-adjusted rates. (c) Included in other assets on the consolidated balance sheets. (d) Included in other liabilities on the 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 consolidated statements of income and comprehensive income (in millions): Three Months Ended March 31, 2016 2015 Fair value hedges Interest rate contracts (a) Net interest expense $ (4 ) $ — Ineffectiveness (b) (2 ) — Derivatives not designated as hedges Interest rate contracts (a) — (6 ) Foreign currency derivatives (c) 69 69 $ 63 $ 63 _________________ (a) Recognized in earnings as interest expense. (b) Hedge ineffectiveness reflects the net change in the fair value of interest rate contracts of $2 million offset by the change in fair value of hedged debt attributable to the hedged risk of $4 million . (c) Activity is substantially offset by translation activity (included in operating expenses) related to foreign currency-denominated loans.

Fair Values of Financial Inst30

Fair Values of Financial Instruments (Tables)	3 Months Ended
Fair Values of Financial Instruments (Tables)	Mar. 31, 2016
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): March 31, 2016 December 31, 2015 Level Carrying Value Estimated Fair Value Carrying Value Estimated Fair Value Financial assets Cash and cash equivalents (a) 1 $ 2,898 $ 2,898 $ 3,061 $ 3,061 Retail finance receivables, net 3 $ 29,476 $ 29,784 $ 28,390 $ 28,545 Commercial finance receivables, net (b) 2 $ 9,182 $ 9,182 $ 8,392 $ 8,392 Restricted cash (a) 1 $ 2,130 $ 2,130 $ 1,941 $ 1,941 Financial liabilities Secured debt North America (c) 2 $ 25,231 $ 25,285 $ 23,151 $ 23,182 International (d) 2 $ 2,852 $ 2,852 $ 3,122 $ 3,125 International (e) 3 $ 4,650 $ 4,636 $ 4,416 $ 4,364 Unsecured debt North America (f) 2 $ 20,523 $ 20,867 $ 17,731 $ 17,792 International (g) 2 $ 5,733 $ 5,751 $ 4,605 $ 4,617 International (e) 3 $ 1,382 $ 1,381 $ 1,321 $ 1,317 _________________ (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 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 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 is estimated by discounting future net cash flows expected to be settled, which is an unobservable input, using current risk-adjusted rates. (f) The fair value is based on quoted market prices of identical instruments in thinly-traded markets. (g) The fair value of senior notes is based on quoted market prices of identical instruments in thinly-traded markets. The fair value of the remaining level 2 unsecured debt is assumed to be par value, as the debt has terms of one year or less.

Segment Reporting (Tables)

Segment Reporting (Tables)	3 Months Ended
Segment Reporting (Tables)	Mar. 31, 2016
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 March 31, 2016 North International Corporate Eliminations Total Total revenue $ 1,688 $ 387 $ (1 ) $ 1 $ 2,075 Operating expenses, including leased vehicle expenses 1,089 138 — — 1,227 Provision for loan losses 177 19 — — 196 Interest expense 305 157 — 1 463 Equity income — 36 — — 36 Income (loss) before income taxes $ 117 $ 109 $ (1 ) $ — $ 225 Three Months Ended March 31, 2015 North International Corporate Eliminations Total Total revenue $ 906 $ 448 $ 7 $ (7 ) $ 1,354 Operating expenses, including leased vehicle expenses 487 146 — — 633 Provision for loan losses 118 37 — — 155 Interest expense 165 206 16 (7 ) 380 Equity income — 28 — — 28 Income (loss) before income taxes $ 136 $ 87 $ (9 ) $ — $ 214 March 31, 2016 December 31, 2015 North International Total North International Total Finance receivables, net $ 22,535 $ 16,123 $ 38,658 $ 21,558 $ 15,223 $ 36,781 Leased vehicles, net $ 24,422 $ 116 $ 24,538 $ 20,086 $ 86 $ 20,172 Total assets $ 52,777 $ 19,987 $ 72,764 $ 47,419 $ 18,485 $ 65,904

Accumulated Other Comprehensi32

Accumulated Other Comprehensive Loss (Tables)	3 Months Ended
Accumulated Other Comprehensive Loss (Tables)	Mar. 31, 2016
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of Accumulated Other Comprehensive Loss	A summary of changes in accumulated other comprehensive loss is as follows (in millions): Three Months Ended March 31, 2016 2015 Defined benefit plans, net Beginning balance $ (13 ) $ (11 ) Unrealized gain on subsidiary pension, net of tax (1 ) 1 Ending balance (14 ) (10 ) Foreign currency translation adjustment Beginning balance (1,091 ) (422 ) Translation income (loss) 153 (347 ) Ending balance (938 ) (769 ) Total accumulated other comprehensive loss $ (952 ) $ (779 )

Guarantor Condensed Consolida33

Guarantor Condensed Consolidating Financial Statements (Tables)	3 Months Ended
	Mar. 31, 2016
Guarantor Consolidating Financial Statements [abstract]
Condensed Consolidating Balance Sheet	GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING BALANCE SHEET March 31, 2016 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 2,033 $ 865 $ — $ 2,898 Finance receivables, net — 6,132 32,526 — 38,658 Leased vehicles, net — — 24,538 — 24,538 Restricted cash — 67 2,063 — 2,130 Goodwill 1,095 — 100 — 1,195 Equity in net assets of non-consolidated affiliates — — 989 — 989 Property and equipment, net — 105 125 — 230 Deferred income taxes 268 — 246 (263 ) 251 Related party receivables — 26 1,050 — 1,076 Other assets 36 160 663 (60 ) 799 Due from affiliates 18,162 8,764 — (26,926 ) — Investment in affiliates 8,884 6,303 — (15,187 ) — Total assets $ 28,445 $ 23,590 $ 63,165 $ (42,436 ) $ 72,764 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 32,793 $ (60 ) $ 32,733 Unsecured debt 19,831 — 7,807 — 27,638 Accounts payable and accrued expenses 169 222 845 — 1,236 Deferred income — — 1,783 — 1,783 Deferred income taxes — 169 255 (263 ) 161 Related party payables — — 448 — 448 Other liabilities 70 43 277 — 390 Due to affiliates — 18,107 8,819 (26,926 ) — Total liabilities 20,070 18,541 53,027 (27,249 ) 64,389 Shareholder's equity Common stock — — 698 (698 ) — Additional paid-in capital 6,491 79 6,149 (6,228 ) 6,491 Accumulated other comprehensive loss (952 ) (136 ) (936 ) 1,072 (952 ) Retained earnings 2,836 5,106 4,227 (9,333 ) 2,836 Total shareholder's equity 8,375 5,049 10,138 (15,187 ) 8,375 Total liabilities and shareholder's equity $ 28,445 $ 23,590 $ 63,165 $ (42,436 ) $ 72,764 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING BALANCE SHEET December 31, 2015 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 2,259 $ 802 $ — $ 3,061 Finance receivables, net — 4,808 31,973 — 36,781 Leased vehicles, net — — 20,172 — 20,172 Restricted cash — 60 1,881 — 1,941 Goodwill 1,095 — 94 — 1,189 Equity in net assets of non-consolidated affiliates — — 986 — 986 Property and equipment, net — 41 178 — 219 Deferred income taxes 212 — 179 (160 ) 231 Related party receivables — 27 546 — 573 Other assets 32 32 687 — 751 Due from affiliates 15,573 7,556 — (23,129 ) — Investment in affiliates 8,476 6,425 — (14,901 ) — Total assets $ 25,388 $ 21,208 $ 57,498 $ (38,190 ) $ 65,904 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 30,689 $ — $ 30,689 Unsecured debt 17,087 — 6,570 — 23,657 Accounts payable and accrued expenses 181 717 320 — 1,218 Deferred income — — 1,454 — 1,454 Deferred income taxes — 289 — (160 ) 129 Related party payables — — 362 — 362 Other liabilities 68 34 241 — 343 Due to affiliates — 15,495 7,634 (23,129 ) — Total liabilities 17,336 16,535 47,270 (23,289 ) 57,852 Shareholder's equity Common stock — — 698 (698 ) — Additional paid-in capital 6,484 79 6,490 (6,569 ) 6,484 Accumulated other comprehensive loss (1,104 ) (175 ) (1,095 ) 1,270 (1,104 ) Retained earnings 2,672 4,769 4,135 (8,904 ) 2,672 Total shareholder's equity 8,052 4,673 10,228 (14,901 ) 8,052 Total liabilities and shareholder's equity $ 25,388 $ 21,208 $ 57,498 $ (38,190 ) $ 65,904
Condensed Consolidating Statement of Income	GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Three Months Ended March 31, 2016 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 99 $ 719 $ — $ 818 Leased vehicle income — — 1,184 — 1,184 Other income (1 ) 205 15 (146 ) 73 Total revenue (1 ) 304 1,918 (146 ) 2,075 Costs and expenses Salaries and benefits — 135 58 — 193 Other operating expenses (4 ) 68 170 (93 ) 141 Total operating expenses (4 ) 203 228 (93 ) 334 Leased vehicle expenses — — 893 — 893 Provision for loan losses — 103 93 — 196 Interest expense 176 (30 ) 370 (53 ) 463 Total costs and expenses 172 276 1,584 (146 ) 1,886 Equity income 255 168 36 (423 ) 36 Income before income taxes 82 196 370 (423 ) 225 Income tax (benefit) provision (82 ) 12 131 — 61 Net income $ 164 $ 184 $ 239 $ (423 ) $ 164 Comprehensive income $ 316 $ 223 $ 398 $ (621 ) $ 316 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF INCOME Three Months Ended March 31, 2015 (In millions) (Unaudited) General Guarantor Non- Eliminations Consolidated Revenue Finance charge income $ — $ 80 $ 774 $ — $ 854 Leased vehicle income — — 431 — 431 Other income 7 108 45 (91 ) 69 Total revenue 7 188 1,250 (91 ) 1,354 Costs and expenses Salaries and benefits — 89 76 — 165 Other operating expenses 54 (3 ) 154 (64 ) 141 Total operating expenses 54 86 230 (64 ) 306 Leased vehicle expenses — — 327 — 327 Provision for loan losses — 74 81 — 155 Interest expense 94 (2 ) 315 (27 ) 380 Total costs and expenses 148 158 953 (91 ) 1,168 Equity income 238 129 28 (367 ) 28 Income before income taxes 97 159 325 (367 ) 214 Income tax (benefit) provision (53 ) 11 106 — 64 Net income $ 150 $ 148 $ 219 $ (367 ) $ 150 Comprehensive (loss) income $ (196 ) $ 90 $ (125 ) $ 35 $ (196 )
Condensed Consolidating Statement of Cash Flows	GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF CASH FLOWS Three Months Ended March 31, 2016 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Net cash (used in) provided by operating activities $ (144 ) $ (537 ) $ 1,839 $ — $ 1,158 Cash flows from investing activities Purchases of retail finance receivables, net — (4,466 ) (4,388 ) 4,689 (4,165 ) Principal collections and recoveries on retail finance receivables — 359 2,912 — 3,271 Proceeds from transfer of retail finance receivables, net — 2,866 1,823 (4,689 ) — Net funding of commercial finance receivables — (227 ) (797 ) — (1,024 ) Purchases of leased vehicles, net — — (5,158 ) — (5,158 ) Proceeds from termination of leased vehicles — — 481 — 481 Purchases of property and equipment — (15 ) (5 ) — (20 ) Change in restricted cash — (6 ) (170 ) — (176 ) Change in other assets — (60 ) 1 60 1 Net change in due from affiliates (2,587 ) (1,208 ) — 3,795 — Net change in investment in affiliates — 336 — (336 ) — Net cash used in investing activities (2,587 ) (2,421 ) (5,301 ) 3,519 (6,790 ) Cash flows from financing activities Net change in debt (original maturities less than three months) — — 757 — 757 Borrowings and issuance of secured debt — — 7,114 (60 ) 7,054 Payments on secured debt — — (5,251 ) — (5,251 ) Borrowings and issuance of unsecured debt 2,744 — 387 — 3,131 Payments on unsecured debt — — (241 ) — (241 ) Net capital contributions — — (336 ) 336 — Debt issuance costs (13 ) — (13 ) — (26 ) Net change in due to affiliates — 2,732 1,063 (3,795 ) — Net cash provided by financing activities 2,731 2,732 3,480 (3,519 ) 5,424 Net increase (decrease) in cash and cash equivalents — (226 ) 18 — (208 ) Effect of foreign exchange rate changes on cash and cash equivalents — — 45 — 45 Cash and cash equivalents at beginning of period — 2,259 802 — 3,061 Cash and cash equivalents at end of period $ — $ 2,033 $ 865 $ — $ 2,898 GENERAL MOTORS FINANCIAL COMPANY, INC. CONDENSED CONSOLIDATING STATEMENT OF CASH FLOWS Three Months Ended March 31, 2015 (In millions) (Unaudited) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Net cash (used in) provided by operating activities $ (62 ) $ 368 $ 239 $ — $ 545 Cash flows from investing activities Purchases of retail finance receivables, net — (2,955 ) (2,950 ) 1,840 (4,065 ) Principal collections and recoveries on retail finance receivables — 120 2,694 — 2,814 Proceeds from transfer of retail finance receivables, net — 1,168 672 (1,840 ) — Net funding of commercial finance receivables — 150 (96 ) — 54 Purchases of leased vehicles, net — — (2,319 ) — (2,319 ) Proceeds from termination of leased vehicles — — 185 — 185 Acquisition of international operations (513 ) (536 ) — — (1,049 ) Purchases of property and equipment — (8 ) (9 ) — (17 ) Change in restricted cash — 4 (158 ) — (154 ) Change in other assets — — 6 — 6 Net change in due from affiliates (1,607 ) (1,633 ) — 3,240 — Net change in investment in affiliates (48 ) 571 — (523 ) — Net cash used in investing activities (2,168 ) (3,119 ) (1,975 ) 2,717 (4,545 ) Cash flows from financing activities Net change in debt (original maturities less than three months) — — 198 — 198 Borrowings and issuance of secured debt — — 2,889 — 2,889 Payments on secured debt — — (2,748 ) — (2,748 ) Borrowings and issuance of unsecured debt 2,250 — 1,008 — 3,258 Payments on unsecured debt — — (308 ) — (308 ) Net capital contributions — — (523 ) 523 — Debt issuance costs (20 ) — (21 ) — (41 ) Net change in due to affiliates — 1,929 1,311 (3,240 ) — Net cash provided by financing activities 2,230 1,929 1,806 (2,717 ) 3,248 Net increase (decrease) in cash and cash equivalents — (822 ) 70 — (752 ) Effect of foreign exchange rate changes on cash and cash equivalents — — (101 ) — (101 ) Cash and cash equivalents at beginning of period — 2,266 708 — 2,974 Cash and cash equivalents at end of period $ — $ 1,444 $ 677 $ — $ 2,121

Summary of Significant Accoun34

Summary of Significant Accounting Policies - Narrative (Details)	3 Months Ended
	Mar. 31, 2016segment
Accounting Policies [Abstract]
Number of operating segments	2

Related Party Transactions (Det

Related Party Transactions (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Related Party Transaction [Line Items]
Advances drawn on lines of credit due from GM	$ 1,076		$ 573
Affiliated Entity [Member]
Related Party Transaction [Line Items]
Advances drawn on lines of credit due from GM	640		190
Subvention receivable	436		383
Interest subvention earned	103	$ 78
Leased vehicle subvention earned	(459)	(136)
Affiliated Entity [Member] \| Commercial Finance Receivables [Member]
Related Party Transaction [Line Items]
Financing receivable, net	288		229
Commercial loan funding payable	435		$ 351
Parent Company [Member]
Related Party Transaction [Line Items]
Revenue from related parties	$ 1,200	$ 500

Related Party Transactions (D36

Related Party Transactions (Details 2) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Mar. 31, 2016
Related Party Transaction [Line Items]
Finance receivable repayment period	30 days
Adam Opel AG [Member]
Related Party Transaction [Line Items]
Commercial loan funding payable		$ 456
General Motors [Member]
Related Party Transaction [Line Items]
Maximum borrowing capacity		4,000
Junior Subordinated Revolving Credit Facility [Member]
Related Party Transaction [Line Items]
Line of credit facilities - GM Related party facility		$ 1,000

Finance Receivables - Narrative

Finance Receivables - Narrative (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Accrual of finance charge income	$ 667	$ 778

Finance Receivables - Finance R

Finance Receivables - Finance Receivables, net (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables, net	$ 38,658	$ 36,781
Automobile Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Consumer, Lease Financing	1,200	1,100
Loans and Leases Receivable, Deferred Income	195	179
Automobile Loan [Member] \| Retail Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment, net of fees	28,613	27,512
Individually evaluated for impairment, net of fees	1,659	1,612
Total finance receivables	30,272	29,124
Less: allowance for loan losses - collective	(567)	(515)
Less: allowance for loan losses - specific	(229)	(220)
Total finance receivables, net	29,476	28,389
Automobile Loan [Member] \| Commercial Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment, net of fees	9,116	8,357
Individually evaluated for impairment, net of fees	113	82
Total finance receivables	9,229	8,439
Less: allowance for loan losses - collective	(37)	(38)
Less: allowance for loan losses - specific	(10)	(9)
Total finance receivables, net	$ 9,182	$ 8,392

Finance Receivables - Finance39

Finance Receivables - Finance Receivables Summary (Details) - Retail Finance Receivables [Member] - Automobile Loan [Member] - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Beginning balance	$ 29,124
Ending balance	30,272
Pass [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Beginning balance	29,124	$ 25,623
Purchases	4,143	4,078
Principal collections and other	(3,067)	(2,593)
Charge-offs	(293)	(234)
Foreign currency translation	365	(1,283)
Ending balance	$ 30,272	$ 25,591

Finance Receivables - Allowance

Finance Receivables - Allowance for Loan Losses (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Provision for loan losses	$ 196	$ 155
Retail Finance Receivables [Member] \| Automobile Loan [Member] \| Post-Acquisition Portfolio [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	735	655
Provision for loan losses	197	157
Charge-offs	(293)	(234)
Recoveries	150	122
Foreign currency translation	7	(8)
Ending balance	$ 796	$ 692

Finance Receivables - Credit Qu

Finance Receivables - Credit Quality (Details) - North America Segment [Member] - Automobile Loan [Member] - Retail Finance Receivables [Member] - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Finance receivables, net of fees	$ 18,806	$ 18,148
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	$ 5,063	$ 4,418
Finance receivables credit indicator, Percent	26.90%	24.40%
FICO Score, 620 to 679 [Member]
Financing Receivable, Recorded Investment [Line Items]
Finance receivables, net of fees	$ 3,001	$ 2,890
Finance receivables credit indicator, Percent	16.00%	15.90%
FICO Score, Less than 620 [Member]
Financing Receivable, Recorded Investment [Line Items]
Finance receivables, net of fees	$ 10,742	$ 10,840
Finance receivables credit indicator, Percent	57.10%	59.70%

Finance Receivables - Delinquen

Finance Receivables - Delinquency (Details) - Retail Finance Receivables [Member] - Automobile Loan [Member] - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]
In repossession	$ 48	$ 42
In repossession (percent)	0.20%	0.20%
Financing receivable and in repossession past due	$ 1,432	$ 1,279
Financing receivable and in repossession past due (percent)	4.70%	5.00%
31 to 60 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	$ 963	$ 880
Financing receivable past due (percent)	3.10%	3.40%
Greater Than 60 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	$ 421	$ 357
Financing receivable past due (percent)	1.40%	1.40%
Thirty or More Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	$ 1,384	$ 1,237
Financing receivable past due (percent)	4.50%	4.80%

Finance Receivables - Troubled

Finance Receivables - Troubled Debt Restructurings (Details) - North America Segment [Member] - Automobile Loan [Member] $ in Millions	3 Months Ended
	Mar. 31, 2016USD ($)loan	Mar. 31, 2015USD ($)loan	Dec. 31, 2015USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding recorded investment	$ 1,659		$ 1,612
Less: allowance for loan losses	(229)		(220)
Outstanding recorded investment, net of allowance	1,430		1,392
Unpaid principal balance	1,700		$ 1,642
Average outstanding recorded investment	1,636	$ 1,264
Finance charge income recognized	$ 51	$ 40
Number of loans classified as TDRs during the period \| loan	14,646	11,752
Recorded investment of loans classified as TDRs during the period	$ 254	$ 199

Finance Receivables - Commercia

Finance Receivables - Commercial Finance Receivables (Details) - Commercial Finance Receivables [Member] - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Beginning balance	$ 8,439	$ 8,072
Net funding (collections)	665	(40)
Charge-offs	0	0
Foreign currency translation	125	(425)
Ending balance	$ 9,229	$ 7,607

Finance Receivables - Credit Ri

Finance Receivables - Credit Risk Profile by Dealer grouping of Commercial Finance Receivables (Details) - Commercial Finance Receivables [Member] - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	$ 9,229	$ 8,439	$ 7,607	$ 8,072
Group I
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	1,318	1,299
Group II
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	2,881	2,648
Group III
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	3,001	2,703
Group IV
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	1,249	1,100
Group V
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	630	505
Group VI
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at end of period	$ 150	$ 184

Leased Vehicles - Summary of Le

Leased Vehicles - Summary of Leased Vehicles (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Property Subject to or Available for Operating Lease, Net [Abstract]
Leased vehicles	$ 33,707	$ 27,587
Manufacturer incentives	(5,606)	(4,582)
Leased vehicles accounted for operating leases net of manufacturing incentives	28,101	23,005
Less: accumulated depreciation	(3,563)	(2,833)
Leased vehicles, net	$ 24,538	$ 20,172

Leased Vehicles - Minimum Renta

Leased Vehicles - Minimum Rental Payments (Details) $ in Millions	Mar. 31, 2016USD ($)
Operating Leases, Future Minimum Payments Receivable [Abstract]
2,016	$ 3,056
2,017	3,580
2,018	2,113
2,019	387
2,020	14
Total	$ 9,150

Restricted Cash (Details)

Restricted Cash (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted Cash and Cash Equivalents	$ 2,130	$ 1,941
Revolving Credit Facility [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted Cash and Cash Equivalents	372	345
Securitization Notes Payable [Member] \| Retail Finance Receivables [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted Cash and Cash Equivalents	1,689	1,531
Other [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted Cash and Cash Equivalents	$ 69	$ 65

Equity in Net Assets of Non-c49

Equity in Net Assets of Non-consolidated Affiliates (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Noncontrolling Interest [Line Items]
Equity income	$ 36	$ 28
SAIC-GMAC [Member]
Noncontrolling Interest [Line Items]
Undistributed earnings	77
Equity income	36	$ 28
Cash dividends received	$ 27

Debt - Narrative (Details)

Debt - Narrative (Details) - USD ($)	3 Months Ended
Debt - Narrative (Details) - USD ($)	Mar. 31, 2016	Dec. 31, 2015
Debt Instrument [Line Items]
Debt instrument, face amount	$ 22,000,000,000	$ 19,100,000,000
Secured Debt [Member]
Debt Instrument [Line Items]
Debt instrument, face amount	3,172,000,000
Revolving Credit Facility [Member] \| Unsecured Debt [Member] \| International Segment [Member]
Debt Instrument [Line Items]
Increase in Credit Facilities during period	66,000,000
Revolving Credit Facility [Member] \| Secured Debt [Member]
Debt Instrument [Line Items]
Increase in Credit Facilities during period	366,000,000
Senior Notes [Member] \| Parent Company [Member]
Debt Instrument [Line Items]
Debt instrument, face amount	2,750,000,000
Senior Notes [Member] \| Parent Company [Member] \| Four Point Two Percent Senior Notes Due March Twenty Twenty-One [Member]
Debt Instrument [Line Items]
Debt instrument, face amount	$ 1,500,000,000
Interest rate (percent)	4.20%
Senior Notes [Member] \| Parent Company [Member] \| Five Point Two Five Percent Senior Notes Due March Twenty Twenty-Six [Member]
Debt Instrument [Line Items]
Debt instrument, face amount	$ 1,250,000,000
Interest rate (percent)	5.25%

Debt - Short Term and Long Term

Debt - Short Term and Long Term Debt (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Short Term and Long Term Debt [Line Items]
Secured debt	$ 32,733	$ 30,689
Unsecured debt	27,638	23,657
Revolving Credit Facility [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	8,713	7,548
Unsecured debt	3,546	2,759
Retail Customer Deposits [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	1,599	1,260
Senior Notes [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	21,827	18,973
Other Unsecured Debt [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	666	665
Retail Finance Receivables [Member] \| Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	$ 24,020	$ 23,141

Debt - Summary of Retail Deposi

Debt - Summary of Retail Deposits (Details) - Germany [Member] - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Outstanding Balance
Overnight deposits	$ 654	$ 555
Term deposits - 12 months	444	337
Term deposits - 24 months	192	123
Term deposits - 36 months	309	245
Total deposits	$ 1,599	$ 1,260
Weighted Average Interest Rate
Overnight deposits (percent)	0.85%	1.00%
Term deposits -12 months (percent)	1.27%	1.32%
Term deposits - 24 months (percent)	1.38%	1.44%
Term deposits - 36 months (percent)	1.60%	1.65%
Total deposits (percent)	1.18%	1.25%

Variable Interest Entities - Na

Variable Interest Entities - Narrative (Details) - USD ($) $ in Billions	Mar. 31, 2016	Dec. 31, 2015
Variable Interest Entities [Abstract]
Transfers of finance receivables	$ 1.2	$ 1.5
Transfers of finance receivables outstanding balance	$ 1.1	$ 1.4

Variable Interest Entities - As

Variable Interest Entities - Assets and Liabilities of Consolidated VIE's (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Variable Interest Entity [Line Items]
Restricted cash	$ 2,130	$ 1,941
Finance receivables, net	38,658	36,781
Leased vehicles assets	24,538	20,172
Securitization and Credit Facility VIEs [Member]
Variable Interest Entity [Line Items]
Restricted cash	2,061	1,876
Finance receivables, net	25,194	24,942
Leased vehicles assets	15,001	11,684
Secured debt	$ 31,662	$ 29,386

Variable Interest Entities - 55

Variable Interest Entities - Assets and Liabilities (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Variable Interest Entity [Line Items]
Assets	$ 72,764	$ 65,904
Liabilities	64,389	57,852
Finance receivables, net	38,658	36,781
Secured debt	32,733	30,689
Other VIE [Member]
Variable Interest Entity [Line Items]
Assets	4,422	3,652
Liabilities	3,677	2,941
Finance receivables, net	3,500	3,200
Secured debt	$ 2,900	$ 2,600

Variable Interest Entities - Re

Variable Interest Entities - Revenue and Net Income from Entities (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Variable Interest Entity [Line Items]
Total revenue	$ 2,075	$ 1,354
Net income	164	150
Other VIE [Member]
Variable Interest Entity [Line Items]
Total revenue	47	41
Net income	$ 7	$ 11

Derivative Financial Instrume57

Derivative Financial Instruments And Hedging Activities (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	$ 17,230	$ 13,933
Derivative Liability	55	43
Designated as Hedging Instrument [Member] \| Fair Value Hedging [Member] \| Other Assets [Member] \| Interest Rate Swaps [Member] \| Level 2 [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	1,000	0
Derivative Asset	19	0
Designated as Hedging Instrument [Member] \| Fair Value Hedging [Member] \| Other Liabilities [Member] \| Interest Rate Swaps [Member] \| Level 2 [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	2,750	1,000
Derivative Liability	24	6
Designated as Hedging Instrument [Member] \| Cash Flow Hedging [Member] \| Other Liabilities [Member] \| Interest Rate Swaps [Member] \| Level 3 [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	431	0
Derivative Liability	0	0
Not Designated as Hedging Instrument [Member] \| Other Assets [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	15,033	11,909
Derivative Asset	54	75
Not Designated as Hedging Instrument [Member] \| Other Assets [Member] \| Interest Rate Swaps [Member] \| Level 3 [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	5,716	4,122
Derivative Asset	25	8
Not Designated as Hedging Instrument [Member] \| Other Assets [Member] \| Interest Rate Caps [Member] \| Level 2 [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	8,410	6,327
Derivative Asset	8	19
Not Designated as Hedging Instrument [Member] \| Other Assets [Member] \| Foreign Currency Swaps [Member] \| Level 2 [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	907	1,460
Derivative Asset	21	48
Not Designated as Hedging Instrument [Member] \| Other Liabilities [Member] \| Interest Rate Swaps [Member] \| Level 3 [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	8,445	8,041
Derivative Liability	32	24
Not Designated as Hedging Instrument [Member] \| Other Liabilities [Member] \| Interest Rate Caps [Member] \| Level 2 [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	7,956	5,892
Derivative Liability	8	19
Not Designated as Hedging Instrument [Member] \| Other Liabilities [Member] \| Foreign Currency Swaps [Member] \| Level 2 [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	829	0
Derivative Liability	$ 15	$ 0

Derivative Financial Instrume58

Derivative Financial Instruments And Hedging Activities - Derivatives Income (Losses) Recognized in Income (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Derivatives, Fair Value [Line Items]
Gain (loss) on derivative instruments not designated as hedging instruments	$ 63	$ 63
Increase (decrease) in fair value of interest rate contracts	2
Increase (decrease) in fair value of hedged debt	4
Not Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Interest rate contracts	0	(6)
Foreign currency derivatives	69	69
Interest Rate Contract [Member] \| Designated as Hedging Instrument [Member] \| Fair Value Hedging [Member]
Derivatives, Fair Value [Line Items]
Net interest expense	(4)	0
Ineffectiveness	$ (2)	$ 0

Fair Values of Financial Inst59

Fair Values of Financial Instruments (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Restricted cash	$ 2,130	$ 1,941
Reported Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Restricted cash	2,130
Reported Value Measurement [Member] \| Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents, fair value disclosure	2,898	3,061
Restricted cash	2,130	1,941
Reported Value Measurement [Member] \| Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Finance receivables, net	29,476	28,390
Reported Value Measurement [Member] \| North America Segment [Member] \| Secured Debt [Member] \| Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	25,231	23,151
Reported Value Measurement [Member] \| North America Segment [Member] \| Unsecured Debt [Member] \| Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	20,523	17,731
Reported Value Measurement [Member] \| International Segment [Member] \| Secured Debt [Member] \| Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	2,852	3,122
Reported Value Measurement [Member] \| International Segment [Member] \| Secured Debt [Member] \| Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	4,650	4,416
Reported Value Measurement [Member] \| International Segment [Member] \| Unsecured Debt [Member] \| Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	5,733	4,605
Reported Value Measurement [Member] \| International Segment [Member] \| Unsecured Debt [Member] \| Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	1,382	1,321
Estimate of Fair Value Measurement [Member] \| Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents, fair value disclosure	2,898	3,061
Restricted cash	2,130	1,941
Estimate of Fair Value Measurement [Member] \| Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Finance receivables, net	29,784	28,545
Estimate of Fair Value Measurement [Member] \| North America Segment [Member] \| Secured Debt [Member] \| Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	25,285	23,182
Estimate of Fair Value Measurement [Member] \| North America Segment [Member] \| Unsecured Debt [Member] \| Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	20,867	17,792
Estimate of Fair Value Measurement [Member] \| International Segment [Member] \| Secured Debt [Member] \| Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	2,852	3,125
Estimate of Fair Value Measurement [Member] \| International Segment [Member] \| Secured Debt [Member] \| Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	4,636	4,364
Estimate of Fair Value Measurement [Member] \| International Segment [Member] \| Unsecured Debt [Member] \| Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	5,751	4,617
Estimate of Fair Value Measurement [Member] \| International Segment [Member] \| Unsecured Debt [Member] \| Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument, fair value disclosure	1,381	1,317
Commercial Finance Receivables [Member] \| Reported Value Measurement [Member] \| Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Finance receivables, net	9,182	8,392
Commercial Finance Receivables [Member] \| Estimate of Fair Value Measurement [Member] \| Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Finance receivables, net	$ 9,182	$ 8,392

Commitments and Contingencies -

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Debt instrument, face amount	$ 22,000	$ 19,100
Estimate of possible loss	106
Loss accrual	43
Indirect tax contingency	$ 53

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Millions	3 Months Ended
Income Taxes (Details) - USD ($) $ in Millions	Mar. 31, 2016	Mar. 31, 2015
Income Tax Disclosure [Abstract]
Income tax (benefit) provision	$ 61	$ 64

Segment Reporting - Narrative (

Segment Reporting - Narrative (Details)	3 Months Ended
Segment Reporting - Narrative (Details)	Mar. 31, 2016segment
Segment Reporting [Abstract]
Number of operating segments	2

Segment Reporting - Operations

Segment Reporting - Operations Reporting by Revenue (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Segment Reporting Information [Line Items]
Total revenue	$ 2,075	$ 1,354
Operating expenses, including leased vehicle expenses	1,227	633
Provision for loan losses	196	155
Interest expense	463	380
Equity income	36	28
Income before income taxes	225	214
Operating Segments [Member] \| North America Segment [Member]
Segment Reporting Information [Line Items]
Total revenue	1,688	906
Operating expenses, including leased vehicle expenses	1,089	487
Provision for loan losses	177	118
Interest expense	305	165
Equity income	0	0
Income before income taxes	117	136
Operating Segments [Member] \| International Segment [Member]
Segment Reporting Information [Line Items]
Total revenue	387	448
Operating expenses, including leased vehicle expenses	138	146
Provision for loan losses	19	37
Interest expense	157	206
Equity income	36	28
Income before income taxes	109	87
Corporate, Non-Segment [Member]
Segment Reporting Information [Line Items]
Total revenue	(1)	7
Operating expenses, including leased vehicle expenses	0	0
Provision for loan losses	0	0
Interest expense	0	16
Equity income	0	0
Income before income taxes	(1)	(9)
Intersegment Eliminations [Member]
Segment Reporting Information [Line Items]
Total revenue	1	(7)
Operating expenses, including leased vehicle expenses	0	0
Provision for loan losses	0	0
Interest expense	1	(7)
Equity income	0	0
Income before income taxes	$ 0	$ 0

Segment Reporting - Operation64

Segment Reporting - Operations Reporting by Assets (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Segment Reporting Information [Line Items]
Finance receivables, net	$ 38,658	$ 36,781
Leased vehicles, net	24,538	20,172
Total assets	72,764	65,904
Operating Segments [Member] \| North America Segment [Member]
Segment Reporting Information [Line Items]
Finance receivables, net	22,535	21,558
Leased vehicles, net	24,422	20,086
Total assets	52,777	47,419
Operating Segments [Member] \| International Segment [Member]
Segment Reporting Information [Line Items]
Finance receivables, net	16,123	15,223
Leased vehicles, net	116	86
Total assets	$ 19,987	$ 18,485

Accumulated Other Comprehensi65

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Changes in Accumulated Other Comprehensive Income [Roll Forward]
Defined benefit plans, net: Balance at beginning of period	$ (13)	$ (11)
Unrealized gain on subsidiary pension, net of tax	(1)	1
Defined benefit plans, net: Balance at end of period	(14)	(10)
Foreign currency translation adjustment: Balance at beginning of period	(1,091)	(422)
Translation income (loss)	153	(347)
Foreign currency translation adjustment: Balance at end of period	(938)	(769)
Total accumulated other comprehensive loss	$ (952)	$ (779)	$ (1,104)

Regulatory Capital (Details)

Regulatory Capital (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Capital Requirements on Foreign Financial Institutions [Line Items]
Assets	$ 72,764	$ 65,904
International Regulated Bank And Finance Companies [Member]
Capital Requirements on Foreign Financial Institutions [Line Items]
Assets	$ 12,200	$ 11,100

Guarantor Condensed Consolida67

Guarantor Condensed Consolidating Financial Statements - Narrative (Details) $ in Millions	3 Months Ended
	Mar. 31, 2015USD ($)
Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Reclassification amount	$ 1,600
Guarantor [Member]
Condensed Financial Statements, Captions [Line Items]
Reclassification amount	672
Guarantor [Member] \| Due From Affiliates [Member]
Condensed Financial Statements, Captions [Line Items]
Reclassification amount	$ 1,600

Guarantor Condensed Consolida68

Guarantor Condensed Consolidating Financial Statements Current Period Guarantor Balance Sheet (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	$ 2,898	$ 3,061	$ 2,121	$ 2,974
Finance receivables, net	38,658	36,781
Leased vehicles, net	24,538	20,172
Restricted cash	2,130	1,941
Goodwill	1,195	1,189
Equity in net assets of non-consolidated affiliates	989	986
Property and equipment, net	230	219
Deferred income taxes	251	231
Related party receivables	1,076	573
Other assets	799	751
Due from affiliates	0	0
Investment in affiliates	0	0
Total assets	72,764	65,904
Secured debt	32,733	30,689
Unsecured debt	27,638	23,657
Accounts payable and accrued expenses	1,236	1,218
Deferred income	1,783	1,454
Deferred income taxes	161	129
Related party payables	448	362
Other liabilities	390	343
Due to affiliates	0	0
Total liabilities	64,389	57,852
Common stock	0	0
Additional paid-in capital	6,491	6,484
Accumulated other comprehensive loss	(952)	(1,104)	(779)
Retained earnings	2,836	2,672
Total shareholder's equity	8,375	8,052
Total liabilities and shareholder's equity	72,764	65,904
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	0
Property and equipment, net	0	0
Deferred income taxes	268	212
Related party receivables	0	0
Other assets	36	32
Due from affiliates	18,162	15,573
Investment in affiliates	8,884	8,476
Total assets	28,445	25,388
Secured debt	0	0
Unsecured debt	19,831	17,087
Accounts payable and accrued expenses	169	181
Deferred income	0	0
Deferred income taxes	0	0
Related party payables	0	0
Other liabilities	70	68
Due to affiliates	0	0
Total liabilities	20,070	17,336
Common stock	0	0
Additional paid-in capital	6,491	6,484
Accumulated other comprehensive loss	(952)	(1,104)
Retained earnings	2,836	2,672
Total shareholder's equity	8,375	8,052
Total liabilities and shareholder's equity	28,445	25,388
Guarantor [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	2,033	2,259	1,444	2,266
Finance receivables, net	6,132	4,808
Leased vehicles, net	0	0
Restricted cash	67	60
Goodwill	0	0
Equity in net assets of non-consolidated affiliates	0	0
Property and equipment, net	105	41
Deferred income taxes	0	0
Related party receivables	26	27
Other assets	160	32
Due from affiliates	8,764	7,556
Investment in affiliates	6,303	6,425
Total assets	23,590	21,208
Secured debt	0	0
Unsecured debt	0	0
Accounts payable and accrued expenses	222	717
Deferred income	0	0
Deferred income taxes	169	289
Related party payables	0	0
Other liabilities	43	34
Due to affiliates	18,107	15,495
Total liabilities	18,541	16,535
Common stock	0	0
Additional paid-in capital	79	79
Accumulated other comprehensive loss	(136)	(175)
Retained earnings	5,106	4,769
Total shareholder's equity	5,049	4,673
Total liabilities and shareholder's equity	23,590	21,208
Non-Guarantors [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	865	802	677	708
Finance receivables, net	32,526	31,973
Leased vehicles, net	24,538	20,172
Restricted cash	2,063	1,881
Goodwill	100	94
Equity in net assets of non-consolidated affiliates	989	986
Property and equipment, net	125	178
Deferred income taxes	246	179
Related party receivables	1,050	546
Other assets	663	687
Due from affiliates	0	0
Investment in affiliates	0	0
Total assets	63,165	57,498
Secured debt	32,793	30,689
Unsecured debt	7,807	6,570
Accounts payable and accrued expenses	845	320
Deferred income	1,783	1,454
Deferred income taxes	255	0
Related party payables	448	362
Other liabilities	277	241
Due to affiliates	8,819	7,634
Total liabilities	53,027	47,270
Common stock	698	698
Additional paid-in capital	6,149	6,490
Accumulated other comprehensive loss	(936)	(1,095)
Retained earnings	4,227	4,135
Total shareholder's equity	10,138	10,228
Total liabilities and shareholder's equity	63,165	57,498
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	0
Property and equipment, net	0	0
Deferred income taxes	(263)	(160)
Related party receivables	0	0
Other assets	(60)	0
Due from affiliates	(26,926)	(23,129)
Investment in affiliates	(15,187)	(14,901)
Total assets	(42,436)	(38,190)
Secured debt	(60)	0
Unsecured debt	0	0
Accounts payable and accrued expenses	0	0
Deferred income	0	0
Deferred income taxes	(263)	(160)
Related party payables	0	0
Other liabilities	0	0
Due to affiliates	(26,926)	(23,129)
Total liabilities	(27,249)	(23,289)
Common stock	(698)	(698)
Additional paid-in capital	(6,228)	(6,569)
Accumulated other comprehensive loss	1,072	1,270
Retained earnings	(9,333)	(8,904)
Total shareholder's equity	(15,187)	(14,901)
Total liabilities and shareholder's equity	$ (42,436)	$ (38,190)

Guarantor Condensed Consolida69

Guarantor Condensed Consolidating Financial Statements Guarantor Income Statements (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Condensed Income Statements, Captions [Line Items]
Finance charge income	$ 818	$ 854
Leased vehicle income	1,184	431
Other income	73	69
Total revenue	2,075	1,354
Salaries and benefits	193	165
Other operating expenses	141	141
Total operating expenses	334	306
Leased vehicle expenses	893	327
Provision for loan losses	196	155
Interest expense	463	380
Total costs and expenses	1,886	1,168
Equity income	36	28
Income before income taxes	225	214
Income tax (benefit) provision	61	64
Net income	164	150
Comprehensive income (loss)	316	(196)
Parent Company [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income	0	0
Leased vehicle income	0	0
Other income	(1)	7
Total revenue	(1)	7
Salaries and benefits	0	0
Other operating expenses	(4)	54
Total operating expenses	(4)	54
Leased vehicle expenses	0	0
Provision for loan losses	0	0
Interest expense	176	94
Total costs and expenses	172	148
Equity income	255	238
Income before income taxes	82	97
Income tax (benefit) provision	(82)	(53)
Net income	164	150
Comprehensive income (loss)	316	(196)
Guarantor [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income	99	80
Leased vehicle income	0	0
Other income	205	108
Total revenue	304	188
Salaries and benefits	135	89
Other operating expenses	68	(3)
Total operating expenses	203	86
Leased vehicle expenses	0	0
Provision for loan losses	103	74
Interest expense	(30)	(2)
Total costs and expenses	276	158
Equity income	168	129
Income before income taxes	196	159
Income tax (benefit) provision	12	11
Net income	184	148
Comprehensive income (loss)	223	90
Non-Guarantors [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income	719	774
Leased vehicle income	1,184	431
Other income	15	45
Total revenue	1,918	1,250
Salaries and benefits	58	76
Other operating expenses	170	154
Total operating expenses	228	230
Leased vehicle expenses	893	327
Provision for loan losses	93	81
Interest expense	370	315
Total costs and expenses	1,584	953
Equity income	36	28
Income before income taxes	370	325
Income tax (benefit) provision	131	106
Net income	239	219
Comprehensive income (loss)	398	(125)
Eliminations [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income	0	0
Leased vehicle income	0	0
Other income	(146)	(91)
Total revenue	(146)	(91)
Salaries and benefits	0	0
Other operating expenses	(93)	(64)
Total operating expenses	(93)	(64)
Leased vehicle expenses	0	0
Provision for loan losses	0	0
Interest expense	(53)	(27)
Total costs and expenses	(146)	(91)
Equity income	(423)	(367)
Income before income taxes	(423)	(367)
Income tax (benefit) provision	0	0
Net income	(423)	(367)
Comprehensive income (loss)	$ (621)	$ 35

Guarantor Condensed Consolida70

Guarantor Condensed Consolidating Financial Statements Guarantor Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Condensed Cash Flow Statements, Captions [Line Items]
Net cash provided by operating activities	$ 1,158,000	$ 545,000
Cash flows from investing activities
Purchases of retail finance receivables, net	(4,165,000)	(4,065,000)
Principal collections and recoveries on retail finance receivables	3,271,000	2,814,000
Proceeds from transfer of retail finance receivables, net	0	0
Net funding of commercial finance receivables	(1,024,000)	54,000
Purchases of leased vehicles, net	(5,158,000)	(2,319,000)
Proceeds from termination of leased vehicles	481,000	185,000
Acquisition of international operations	0	(1,049,000)
Purchases of property and equipment	(20,000)	(17,000)
Change in restricted cash	(176,000)	(154,000)
Change in other assets	1,000	6,000
Net change in due from affiliates	0	0
Net change in investment in affiliates	0	0
Net cash used in investing activities	(6,790,000)	(4,545,000)
Cash flows from financing activities
Net change in debt (original maturities less than three months)	757,000	198,000
Borrowings and issuance of secured debt	7,054,000	2,889,000
Payments on secured debt	(5,251,000)	(2,748,000)
Borrowings and issuance of unsecured debt	3,131,000	3,258,000
Payments on unsecured debt	(241,000)	(308,000)
Net capital contributions	0	0
Debt issuance costs	(26,000)	(41,000)
Net change in due to affiliates	0	0
Net cash provided by financing activities	5,424,000	3,248,000
Net decrease in cash and cash equivalents	(208,000)	(752,000)
Effect of foreign exchange rate changes on cash and cash equivalents	45,000	(101,000)
Cash and cash equivalents at beginning of period	3,061,000	2,974,000
Cash and cash equivalents at end of period	2,898,000	2,121,000
Parent Company [Member]
Condensed Cash Flow Statements, Captions [Line Items]
Net cash provided by operating activities	(144,000)	(62,000)
Cash flows from investing activities
Purchases of retail finance receivables, net	0	0
Principal collections and recoveries on retail finance receivables	0	0
Proceeds from transfer of retail 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		(513,000)
Purchases of property and equipment	0	0
Change in restricted cash	0	0
Change in other assets	0	0
Net change in due from affiliates	(2,587,000)	(1,607,000)
Net change in investment in affiliates	0	(48,000)
Net cash used in investing activities	(2,587,000)	(2,168,000)
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	2,744,000	2,250,000
Payments on unsecured debt	0	0
Net capital contributions	0	0
Debt issuance costs	(13,000)	(20,000)
Net change in due to affiliates	0	0
Net cash provided by financing activities	2,731,000	2,230,000
Net decrease 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	(537,000)	368,000
Cash flows from investing activities
Purchases of retail finance receivables, net	(4,466,000)	(2,955,000)
Principal collections and recoveries on retail finance receivables	359,000	120,000
Proceeds from transfer of retail finance receivables, net	2,866,000	1,168,000
Net funding of commercial finance receivables	(227,000)	150,000
Purchases of leased vehicles, net	0	0
Proceeds from termination of leased vehicles	0	0
Acquisition of international operations		(536,000)
Purchases of property and equipment	(15,000)	(8,000)
Change in restricted cash	(6,000)	4,000
Change in other assets	(60,000)	0
Net change in due from affiliates	(1,208,000)	(1,633,000)
Net change in investment in affiliates	336,000	571,000
Net cash used in investing activities	(2,421,000)	(3,119,000)
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 to affiliates	2,732,000	1,929,000
Net cash provided by financing activities	2,732,000	1,929,000
Net decrease in cash and cash equivalents	(226,000)	(822,000)
Effect of foreign exchange rate changes on cash and cash equivalents	0	0
Cash and cash equivalents at beginning of period	2,259,000	2,266,000
Cash and cash equivalents at end of period	2,033,000	1,444,000
Non-Guarantors [Member]
Condensed Cash Flow Statements, Captions [Line Items]
Net cash provided by operating activities	1,839,000	239,000
Cash flows from investing activities
Purchases of retail finance receivables, net	(4,388,000)	(2,950,000)
Principal collections and recoveries on retail finance receivables	2,912,000	2,694,000
Proceeds from transfer of retail finance receivables, net	1,823,000	672,000
Net funding of commercial finance receivables	(797,000)	(96,000)
Purchases of leased vehicles, net	(5,158,000)	(2,319,000)
Proceeds from termination of leased vehicles	481,000	185,000
Acquisition of international operations		0
Purchases of property and equipment	(5,000)	(9,000)
Change in restricted cash	(170,000)	(158,000)
Change in other assets	1,000	6,000
Net change in due from affiliates	0	0
Net change in investment in affiliates	0	0
Net cash used in investing activities	(5,301,000)	(1,975,000)
Cash flows from financing activities
Net change in debt (original maturities less than three months)	757,000	198,000
Borrowings and issuance of secured debt	7,114,000	2,889,000
Payments on secured debt	(5,251,000)	(2,748,000)
Borrowings and issuance of unsecured debt	387,000	1,008,000
Payments on unsecured debt	(241,000)	(308,000)
Net capital contributions	(336,000)	(523,000)
Debt issuance costs	(13,000)	(21,000)
Net change in due to affiliates	1,063,000	1,311,000
Net cash provided by financing activities	3,480,000	1,806,000
Net decrease in cash and cash equivalents	18,000	70,000
Effect of foreign exchange rate changes on cash and cash equivalents	45,000	(101,000)
Cash and cash equivalents at beginning of period	802,000	708,000
Cash and cash equivalents at end of period	865,000	677,000
Eliminations [Member]
Condensed Cash Flow Statements, Captions [Line Items]
Net cash provided by operating activities	0	0
Cash flows from investing activities
Purchases of retail finance receivables, net	4,689,000	1,840,000
Principal collections and recoveries on retail finance receivables	0	0
Proceeds from transfer of retail finance receivables, net	(4,689,000)	(1,840,000)
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
Purchases of property and equipment	0	0
Change in restricted cash	0	0
Change in other assets	60,000	0
Net change in due from affiliates	3,795,000	3,240,000
Net change in investment in affiliates	(336,000)	(523,000)
Net cash used in investing activities	3,519,000	2,717,000
Cash flows from financing activities
Net change in debt (original maturities less than three months)	0	0
Borrowings and issuance of secured debt	(60,000)	0
Payments on secured debt	0	0
Borrowings and issuance of unsecured debt	0	0
Payments on unsecured debt	0	0
Net capital contributions	336,000	523,000
Debt issuance costs	0	0
Net change in due to affiliates	(3,795,000)	(3,240,000)
Net cash provided by financing activities	(3,519,000)	(2,717,000)
Net decrease 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