General Motors Financial (ACF) 10-K 6 Feb 18 2017 FY Annual report Financial data

Document and Entity Information

Document and Entity Information Document - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Feb. 05, 2018	Jun. 30, 2017
Document and Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2017
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	FY
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		5,050,000
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Public Float			$ 0

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016
ASSETS
Cash and cash equivalents	$ 4,265	$ 2,815
Finance receivables, net (Note 4; Note 9 VIEs)	42,172	33,475
Leased vehicles, net (Note 5; Note 9 VIEs)	42,882	34,342
Goodwill (Note 6)	1,197	1,196
Equity in net assets of non-consolidated affiliate (Note 7)	1,187	944
Property and equipment, net of accumulated depreciation of $159 and $106	259	214
Deferred income taxes (Note 15)	249	242
Related party receivables (Note 3)	309	347
Other assets (Note 9 VIEs)	4,495	3,239
Assets held for sale (Note 2)	0	10,951
Total assets	97,015	87,765
Liabilities
Secured debt (Note 8; Note 9 VIEs)	39,887	35,087
Unsecured debt (Note 8)	40,830	29,476
Accounts payable and accrued expenses	1,622	1,324
Deferred income	3,221	2,355
Deferred income taxes (Note 15)	288	223
Related party payables (Note 3)	92	320
Other liabilities	781	594
Liabilities held for sale (Note 2)	0	9,693
Total liabilities	86,721	79,072
Commitments and contingencies (Note 11)
Shareholders' equity
Common stock, $0.0001 par value per share, 10,000,000 shares authorized; 5,050,000 shares issued (Note 12)	0	0
Preferred stock, $0.01 par value per share, 250,000,000 shares authorized; 1,000,000 and 0 shares issued (Note 12)	0	0
Additional paid-in capital	7,525	6,505
Accumulated other comprehensive loss (Note 18)	(768)	(1,238)
Retained earnings	3,537	3,426
Total shareholders' equity	10,294	8,693
Total liabilities and shareholders' equity	$ 97,015	$ 87,765

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016
Common Stock, Number of Shares, Par Value and Other Disclosures [Abstract]
Common stock par value per share (in usd per share)	$ 0.0001	$ 0.0001
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	5,050,000	5,050,000
Preferred stock par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized	250,000,000	250,000,000
Preferred stock, shares issued	1,000,000	1,000,000
Accumulated depreciation	$ 159	$ 106

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Revenue
Finance charge income									$ 3,256	$ 2,846	$ 2,848
Leased vehicle income									8,606	5,896	2,795
Other income									289	241	224
Total revenue	$ 3,252	$ 3,161	$ 2,990	$ 2,748	$ 2,554	$ 2,360	$ 2,138	$ 1,931	12,151	8,983	5,867
Costs and expenses
Salaries and benefits									845	735	609
Other operating expenses									545	515	442
Total operating expenses									1,390	1,250	1,051
Leased vehicle expenses									6,415	4,506	2,190
Provision for loan losses (Note 4)									757	644	603
Interest expense									2,566	1,972	1,460
Total costs and expenses									11,128	8,372	5,304
Equity income (Note 7)									173	151	116
Income from continuing operations before income taxes	450	186	270	179	242	134	143	138	1,196	762	679
Income tax provision (Note 15)	(240)								111	105	194
Income from continuing operations									1,085	657	485
(Loss) income from discontinued operations, net of tax (Note 2)	(255)	16	(208)	23	12	13	46	26	(424)	97	161
Net income	$ 195	$ 202	$ 62	$ 202	$ 254	$ 147	$ 189	$ 164	661	754	646
Net income attributable to common shareholder									$ 645	$ 754	$ 646

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Statement of Comprehensive Income [Abstract]
Net income		$ 661	$ 754	$ 646
Other comprehensive income (loss), net of tax
Unrealized (loss) gain on cash flow hedges, net of income tax (benefit) expense of $(2), $11 and $0		(1)	17	0
Defined benefit plans, net of income tax expense (benefit) of $9, $(3) and $(1)		21	(7)	(2)
Foreign currency translation adjustment, net of income tax expense (benefit) of $33, $17 and $(1)		253	(144)	(669)
Reclassification adjustment	[1]	197	0	0
Other comprehensive income (loss), net of tax		470	(134)	(671)
Comprehensive income (loss)		$ 1,131	$ 620	$ (25)
[1]	The reclassification adjustment in 2017 is related to the sale of the European Operations.

Consolidated Statements Of Com6

Consolidated Statements Of Comprehensive Income (Parenthetical) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Income Statement [Abstract]
Change in value of cash flow hedges, tax expense (benefit)	$ (2)	$ 11	$ 0
Unrealized loss on subsidiary pension, tax	9	(3)	(1)
Translation income (loss), tax	$ 33	$ 17	$ (1)

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity - USD ($) $ in Millions		Total	Common Stock [Member]	Preferred Stock [Member]	Additional Paid-in Capital [Member]	AOCI Attributable to Parent [Member]	Retained Earnings [Member]
Preferred Stock, Shares Outstanding				0
Balance at beginning of period (shares) at Dec. 31, 2014	[1]		5,050,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued (shares)			0	0
Balance at end of period (shares) at Dec. 31, 2015	[1]		5,050,000
Balance at beginning of period at Dec. 31, 2014			$ 0	$ 0	$ 5,799	$ (433)	$ 2,026
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock issued			0	0
Stock-based compensation expense					35
Capital contributions from related party					649
Differences between tax payments due under consolidated return and separate return basis					1
Preferred Stock					0
Other comprehensive income (loss), net of tax						(671)
Net income		$ 646					646
Balance at end of period at Dec. 31, 2015			$ 0	$ 0	6,484	(1,104)	2,672
Preferred Stock, Shares Outstanding				0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued (shares)			0	0
Balance at end of period (shares) at Dec. 31, 2016	[1]		5,050,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock issued			$ 0	$ 0
Stock-based compensation expense					21
Capital contributions from related party					0
Differences between tax payments due under consolidated return and separate return basis					0
Preferred Stock					0
Other comprehensive income (loss), net of tax						(134)
Net income		754					754
Balance at end of period at Dec. 31, 2016		8,693	$ 0	$ 0	6,505	(1,238)	3,426
Preferred Stock, Shares Outstanding				0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued (shares)			0	1,000,000,000
Balance at end of period (shares) at Dec. 31, 2017			5,050,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock issued			$ 0	$ 0
Stock-based compensation expense					35
Capital contributions from related party					0
Differences between tax payments due under consolidated return and separate return basis					0
Preferred Stock					985
Other comprehensive income (loss), net of tax						470
Dividends paid							(550)
Net income		661					661
Balance at end of period at Dec. 31, 2017		$ 10,294	$ 0	$ 0	$ 7,525	$ (768)	$ 3,537
Preferred Stock, Shares Outstanding				1,000,000,000
[1]	All shares have been retroactively adjusted to reflect the stock split executed on September 1, 2017. Refer to Note 12 for further information.

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Cash flows from operating activities
Net income	$ 1,085	$ 657	$ 485
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization	6,706	4,789	2,365
Accretion and amortization of loan and leasing fees	(1,711)	(1,136)	(574)
Amortization of carrying value adjustment	0	(28)	(88)
Undistributed earnings of non-consolidated affiliate, net	(173)	(22)	(116)
Provision for loan losses (Note 4)	757	644	603
Deferred income taxes	42	8	128
Stock-based compensation expense	48	25	37
Other operating activities	(306)	(149)	(30)
Changes in assets and liabilities:
Other assets	(54)	(432)	(374)
Accounts payable and accrued expenses	153	209	251
Taxes payable	(29)	(5)	(10)
Related party taxes payable	0	0	(636)
Related party payables	1	1	6
Net cash provided by operating activities - continuing operations	6,519	4,561	2,047
Net cash provided by operating activities - discontinued operations	233	320	121
Net cash provided by operating activities	6,752	4,881	2,168
Cash flows from investing activities
Purchases of retail finance receivables, net	(19,524)	(14,180)	(13,905)
Principal collections and recoveries on retail finance receivables	12,854	9,899	8,548
Net funding of commercial finance receivables	(2,584)	(2,467)	(863)
Purchases of leased vehicles, net	(19,180)	(19,483)	(15,276)
Proceeds from termination of leased vehicles	6,667	2,554	1,095
Acquisition of equity interest	0	0	(1,049)
Disposition of equity interest	0	0	125
Purchases of property and equipment	(94)	(93)	(73)
Other investing activities	2	1	15
Net cash used in investing activities - continuing operations	(21,859)	(23,769)	(21,383)
Net cash provided by (used in) investing activities - discontinued operations	3	(1,005)	(650)
Net cash used in investing activities	(21,856)	(24,774)	(22,033)
Cash flows from financing activities
Net change in debt (original maturities less than three months)	(105)	(309)	(21)
Borrowings and issuance of secured debt	32,480	27,379	19,203
Payments on secured debt	(27,451)	(17,294)	(11,503)
Borrowings and issuance of unsecured debt	15,883	12,234	12,043
Payments on unsecured debt	(5,018)	(2,754)	(1,652)
Borrowings on related party line of credit	0	418	0
Payments on related party line of credit	0	(418)	0
Debt issuance costs	(155)	(131)	(134)
Proceeds from issuance of preferred stock	985	0	0
Dividends paid	(550)	0	0
Capital contributions	0	0	649
Other	0	0	1
Net cash provided by financing activities - continuing operations	16,069	19,125	18,586
Net cash provided by financing activities - discontinued operations	219	1,109	1,531
Net cash provided by financing activities	16,288	20,234	20,117
Net increase in cash, cash equivalents and restricted cash	1,184	341	252
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash	81	(41)	(295)
Cash, cash equivalents and restricted cash at beginning of period	5,302	5,002	5,045
Cash, cash equivalents and restricted cash at end of period	6,567	5,302	5,002
Supplemental Cash Flow Elements
Total	5,302	5,002	5,045
Continuing Operations [Member]
Cash flows from financing activities
Cash, cash equivalents and restricted cash at beginning of period	4,630	4,258
Cash, cash equivalents and restricted cash at end of period	6,567	4,630	4,258
Supplemental Cash Flow Elements
Total	4,630	4,258	4,258
Discontinued Operations [Member]
Cash flows from financing activities
Cash, cash equivalents and restricted cash at beginning of period	672	744
Cash, cash equivalents and restricted cash at end of period	0	672	744
Supplemental Cash Flow Elements
Total	$ 672	$ 744	$ 744

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2017
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies History and Operations We were formed on August 1, 1986 and have been a wholly-owned subsidiary of GM since October 2010. We acquired Ally Financial's auto finance and financial services operations in Europe and Latin America in 2013. Additionally, on January 2, 2015, we acquired an equity interest in SAIC-GMAC, a joint venture that conducts business in China, from Ally Financial. On October 31, 2017, we completed the sale of certain of our European subsidiaries and branches (collectively, our European Operations) to Banque PSA Finance S.A. and BNP Paribas Personal Finance S.A. The European Operations are presented as discontinued operations in our consolidated financial statements for all periods presented. The assets and liabilities of the European Operations are presented as held for sale in our consolidated financial statements as of December 31, 2016. Refer to Note 2 for additional details regarding our disposal of these operations. Unless otherwise indicated, information in these notes to the consolidated financial statements relates to our continuing operations. Basis of Presentation The consolidated financial statements include our accounts and the accounts of our consolidated subsidiaries, including certain SPEs utilized in secured financing transactions, which are considered VIEs. All intercompany transactions and accounts have been eliminated in consolidation. Except as otherwise specified, dollar amounts presented within tables are stated in millions. The preparation of financial statements in conformity with accounting principles generally accepted in the U.S. requires management to make estimates and assumptions which affect the reported amounts of assets and liabilities and the disclosures of contingent assets and liabilities as of the date of the financial statements and the amount of revenue and expenses during the reporting periods. Actual results could differ from those estimates and those differences may be material. Generally, the financial statements of entities that operate outside of the U.S. are measured using the local currency as the functional currency. All assets and liabilities of the foreign subsidiaries are translated into U.S. dollars at period-end exchange rates and the results of operations and cash flows are determined using approximate weighted-average exchange rates for the period. Translation adjustments are related to the foreign subsidiaries using local currency as their functional currency and are reported as a separate component of accumulated other comprehensive income/loss. Foreign currency transaction gains or losses are recorded directly to the consolidated statements of income and comprehensive income, regardless of whether such amounts are realized or unrealized. We may enter into foreign currency derivatives to mitigate our exposure to changes in foreign currency exchange rates. Cash Equivalents Cash equivalents are defined as short-term, highly liquid investments with original maturities of 90 days or less. Net Presentation of Cash Flows on Commercial Finance Receivables and Related Debt Our commercial finance receivables are primarily comprised of floorplan financing, which are loans to dealers to finance vehicle inventory, also known as wholesale or inventory financing. In our experience, these loans are typically repaid within 90 days of when the credit is extended. Furthermore, we typically have the unilateral ability to call the loans and receive payment within 60 days of the call. Therefore, the presentation of the cash flows related to commercial finance receivables are reflected on the consolidated statements of cash flows as "Net funding of commercial finance receivables." We have revolving debt agreements to finance our commercial lending activities. The revolving period of these agreements ranges from 12 to 18 months; however, the terms of these financing agreements require that a borrowing base of eligible floorplan receivables, within certain concentration limits, must be maintained in sufficient amounts to support advances. When a dealer repays a floorplan receivable to us, either the amount advanced against such receivables must be repaid by us or the equivalent amount in new receivables must be added to the borrowing base. Despite the revolving term exceeding 90 days , the actual term for repayment of advances under these agreements is when we receive repayment from the dealers, which is typically within 90 days of when the credit is extended. Therefore, the cash flows related to these revolving debt agreements are reflected on the consolidated statements of cash flows as “Net change in debt (original maturities less than three months).” Retail Finance Receivables and the Allowance for Loan Losses Our retail finance receivables portfolio consists of smaller-balance, homogeneous loans which are carried at amortized cost, net of allowance for loan losses. These loans are divided among pools based on common risk characteristics, such as internal credit score, origination period, delinquent status and geography. An internal credit score, of which FICO is an input in North America, is created by using algorithms or statistical models contained in origination scorecards. The scorecards are used to evaluate a consumer’s ability to pay based on statistical modeling of their prior credit usage, structure of the loan and other information. The output of the scorecards rank-order consumers from those that are most likely to pay to those that are least likely to pay. By further dividing the portfolio into pools based on internal credit scores we are better able to distinguish expected credit performance for different credit risks. These pools are collectively evaluated for impairment based on a statistical calculation, which is supplemented by management judgment. The allowance is aggregated for each of the pools. Provisions for loan losses are charged to operations in amounts sufficient to maintain the allowance for loan losses at levels considered adequate to cover probable losses inherent in our finance receivables. We use a combination of forecasting methodologies to determine the allowance for loan losses, including roll rate modeling and static pool modeling techniques. A roll rate model is generally used to project near-term losses and static pool models are generally used to project losses over the remaining life. Probable losses are estimated for groups of accounts aggregated by past-due status and origination month. Generally, loss experience over the last 10 years is evaluated. Recent performance is more heavily weighted when determining the allowance to result in an estimate that is more reflective of the current internal and external environments. Factors that are considered when estimating the allowance include historical delinquency migration to loss, probability of default (PD) and loss given default (LGD). PD and LGD are specifically estimated for each monthly vintage (i.e., group of originations) in cases where vintage models are used. PD is estimated based on expectations that are aligned with internal credit scores. LGD is projected based on historical trends experienced over the last 10 years, weighted toward more recent performance in order to consider recent market supply and demand factors that impact wholesale used vehicle pricing. While forecasted probable losses are quantitatively derived, we assess the recent internal operating and external environments and may qualitatively adjust certain assumptions to result in an allowance that is more reflective of losses that are expected to occur in the current environment. We also use historical charge-off experience to determine a loss confirmation period (LCP). The LCP is a key assumption within our models and represents the average amount of time between when a loss event first occurs to when the receivable is charged off. This LCP is the basis of our allowance and is applied to the forecasted probable credit losses to determine the amount of losses we believe exist at the balance sheet date. We believe these factors are relevant in estimating incurred losses and also consider an evaluation of overall portfolio credit quality based on indicators such as changes in our credit evaluation, underwriting and collection management policies, changes in the legal and regulatory environment, general economic conditions and business trends and uncertainties in forecasting and modeling techniques used in estimating our allowance. We update our retail loss forecast models and portfolio indicators on a quarterly basis to incorporate information reflective of the current economic environment. Assumptions regarding credit losses and LCPs are reviewed periodically and may be impacted by actual performance of finance receivables and changes in any of the factors discussed above. Should the credit loss assumption or LCP increase, there would be an increase in the amount of allowance for loan losses required, which would decrease the net carrying value of finance receivables and increase the amount of provision for loan losses. Finance receivables that are considered impaired, including TDRs, are individually evaluated for impairment. In assessing the risk of individually impaired loans such as TDRs, among the factors we consider are the financial condition of the borrower, geography, collateral performance, historical loss experience, and industry-specific information that management believes is relevant in determining the occurrence of a loss event and measuring impairment. These factors are based on an evaluation of historical and current information, and involve subjective assessment and interpretation. Commercial Finance Receivables and the Allowance for Loan Losses Our commercial lending offerings consist of floorplan financing as well as dealer loans, which are loans to finance improvements to dealership facilities, to provide working capital, and to purchase and/or finance dealership real estate. Commercial finance receivables are carried at amortized cost, net of allowance for loan losses. Provisions for loan losses are charged to operations in amounts sufficient to maintain the allowance for loan losses at levels considered adequate to cover probable credit losses inherent in the commercial finance receivables. For the International Segment, we established the allowance for loan losses based on historical loss experience. We have less of a history of commercial lending in the North America Segment; therefore, we have performed an analysis of the experience of comparable commercial lenders in order to estimate probable credit losses inherent in our portfolio. The commercial finance receivables are aggregated into loan-risk pools, which are determined based on our internally-developed risk rating system. Based upon our risk ratings, we also determine if any specific dealer loan is considered impaired. If impaired loans are identified, specific reserves are established, as appropriate, and the loan is segregated for separate monitoring. Charge-off Policy Our policy is to charge off a retail account in the month in which the account becomes 120 days contractually delinquent if we have not yet recorded a repossession charge-off. In the North America Segment, we charge off accounts in repossession when the automobile is repossessed and legally available for disposition. In the International Segment, we charge off accounts based on the number of days past due or when the automobile is repossessed. Commercial finance receivables are individually evaluated and, where collectability of the recorded balance is in doubt, are written down to the fair value of the collateral less costs to sell. Commercial receivables are charged off at the earlier of when they are deemed uncollectible or reach 360 days past due. Troubled Debt Restructurings In evaluating whether a loan modification constitutes a TDR, our policy for retail loans is that both of the following must exist: (i) the modification constitutes a concession; and (ii) the debtor is experiencing financial difficulties. In accordance with our policies and guidelines, we, at times, offer payment deferrals to customers. Each deferral allows the consumer to move up to two delinquent monthly payments to the end of the loan generally by paying a fee (approximately the interest portion of the payment deferred, except where state law provides for a lesser amount). A loan that is deferred two or more times would be considered significantly delayed and therefore meets the definition of a concession. A loan currently in payment default as the result of being delinquent would also represent a debtor experiencing financial difficulties. Therefore, considering these two factors, we have determined that the second deferment granted by us on a retail loan will be considered a TDR and the loan impaired. Accounts in Chapter 13 bankruptcy that have an interest rate or principal adjustment as part of a confirmed bankruptcy plan will also be considered TDRs. Retail finance receivables that become classified as TDRs are separately assessed for impairment. A specific allowance is estimated based on the present value of expected cash flows of the receivable discounted at the loan's original effective interest rate. Commercial receivables subject to forbearance, moratoriums, extension agreements, or other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral are classified as TDRs. We do not grant concessions on the principal balance of dealer loans. Leased Vehicles Leased vehicles consist of automobiles leased to customers and are carried at amortized cost less manufacturer subvention payments, which are received up front. Depreciation expense is recorded on a straight-line basis over the term of the lease agreement. Manufacturer subvention is recognized on a straight-line basis as a reduction to depreciation expense. We estimate the expected residual value based on third party data which considers inputs including recent auction values, the expected future volume of returning leased vehicles, used car prices, manufacturer incentive programs and fuel prices. Leased vehicles are depreciated to the estimated residual value at the end of the lease term. Changes in the expected residual value result in increased or decreased depreciation of the leased asset over the remaining term of the lease. Upon disposition, a gain or loss is recorded for any difference between the net book value of the lease and the proceeds from the disposition of the asset, including any insurance proceeds. Under the accounting for impairment or disposal of long-lived assets, vehicles on operating leases are evaluated by asset group for impairment. We aggregate leased vehicles into asset groups based on make, year and model. When asset group indicators of impairment exist and aggregate future cash flows from the operating lease, including the expected realizable fair value of the leased assets at the end of the lease, are less than the book value of the lease asset group, an immediate impairment write-down is recognized if the difference is deemed not recoverable. Variable Interest Entities – Securitizations and Credit Facilities We finance our loan and lease origination volume through the use of our credit facilities and execution of securitization transactions, which both utilize SPEs. In our credit facilities, we transfer finance receivables and lease-related assets to SPEs. These subsidiaries, in turn, issue notes to the agents, collateralized by such assets and cash. The agents provide funding under the notes to the subsidiaries pursuant to an advance formula, and the subsidiaries forward the funds to us in consideration for the transfer of the assets. In our securitizations, we transfer finance receivables and lease-related assets to SPEs structured as securitization trusts (Trusts), which issue one or more classes of asset-backed securities. The asset-backed securities are in turn sold to investors. Our continuing involvement with the credit facilities and Trusts consist of servicing assets held by the SPEs and holding residual interests in the SPEs. These transactions are structured without recourse. The SPEs are considered VIEs under U.S. GAAP and are consolidated because we have: (i) power over the significant activities of the entities and (ii) an obligation to absorb losses and the right to receive benefits from the VIEs which could be significant to the VIEs. Accordingly, we are the primary beneficiary of the VIEs and the finance receivables, lease-related assets, borrowings under our credit facilities and, following a securitization, the related securitization notes payable remain on the consolidated balance sheets. Refer to Note 4 , Note 8 and Note 9 for further information. We are not required, and do not currently intend, to provide any additional financial support to SPEs. While these subsidiaries are included in our consolidated financial statements, these subsidiaries are separate legal entities and the finance receivables, lease-related assets and cash held by these subsidiaries are legally owned by them and are not available to our creditors or creditors of our other subsidiaries. We recognize finance charge, lease vehicle and fee income on the securitized assets and interest expense on the secured debt issued in securitization transactions, and record a provision for loan losses to recognize probable loan losses inherent in the securitized assets. Cash pledged to support securitization transactions is deposited to a restricted account and recorded on our consolidated balance sheets as restricted cash, which is invested in highly liquid securities with original maturities of 90 days or less. Property and Equipment Property and equipment additions are carried at amortized cost. Depreciation is generally provided on a straight-line basis over the estimated useful lives of the assets, which ranges from 1 to 30 years. The basis of assets sold or retired and the related accumulated depreciation are removed from the accounts at the time of disposition and any resulting gain or loss is included in other operating expenses. Maintenance, repairs and minor replacements are charged to operations as incurred; major replacements and improvements are capitalized. Goodwill Goodwill is tested for impairment annually on October 1 or when events occur or circumstances change that would trigger such a review. A two-step impairment test is used to identify potential goodwill impairment. Impairment exists when the carrying amount of goodwill exceeds its implied fair value. When performing our goodwill impairment testing, the fair values of our reporting units are determined based on valuation techniques using the best available information, primarily discounted cash flow projections. Derivative Financial Instruments We recognize all of our derivative financial instruments as either assets or liabilities on our consolidated balance sheets at fair value. We do not use derivative financial instruments for trading or speculative purposes. Interest rate risk management contracts are generally expressed in notional principal or contract amounts that are much larger than the amounts potentially at risk for nonpayment by counterparties. Therefore, in the event of nonperformance by the counterparties, our credit exposure is limited to the uncollected interest and the market value related to the contracts that have become favorable to us. We maintain a policy of requiring that all derivative contracts be governed by an International Swaps and Derivatives Association Master Agreement. We enter into derivative contracts and establish risks limits with counterparties that we believe are creditworthy and generally settle on a net basis. In addition, management performs a quarterly assessment of our counterparty credit risk, including a review of credit ratings, credit default swap rates and potential nonperformance of the counterparty. Interest Rate Swap Agreements We utilize interest rate swap agreements to convert certain floating rate exposures to fixed rate or certain fixed-rate exposures to floating rate in order to manage our interest rate exposure. Cash flows from derivatives used to manage interest rate risk are classified as operating activities. We designate certain pay-fixed, receive-floating interest rate swaps as cash flow hedges of variable rate debt. The risk being hedged is the risk of variability in interest payments attributable to changes in interest rates. If the hedge relationship is deemed to be highly effective, we record the effective portion of changes in the fair value of the hedge in accumulated other comprehensive income/loss. When the hedged cash flows affect earnings, we reclassify these amounts to interest expense. Any ineffective portion of a cash flow hedge is recorded to interest expense immediately. We designate certain receive-fixed, pay-floating interest rate swaps as fair value hedges of fixed-rate debt. The risk being hedged is the risk of changes in the fair value of the hedged debt attributable to changes in the benchmark interest rate. If the hedge relationship is deemed to be highly effective, we record the changes in the fair value of the hedged debt related to the risk being hedged in interest expense. The change in fair value of the related derivative (excluding accrued interest) is also recorded in interest expense. Interest Rate Cap and Floor Agreements We may purchase interest rate cap and floor agreements to limit floating rate exposures in our credit facilities. As part of our interest rate risk management strategy and when economically feasible, we may simultaneously sell a corresponding interest rate cap or floor agreement in order to offset the premium paid to purchase the interest rate cap or floor agreement and thus retain the interest rate risk. Because the interest rate cap and floor agreements entered into by us or our SPEs do not qualify for hedge accounting, changes in the fair value of interest rate cap and floor agreements purchased by the SPEs and interest rate cap and floor agreements sold by us are recorded in interest expense. Foreign Currency Swaps Our policy is to minimize exposure to changes in currency exchange rates. To meet funding objectives, we borrow in a variety of currencies. We face exposure to currency exchange rates when the currency of our earning assets differs from the currency of the debt funding those assets. When possible, we fund earning assets with debt in the same currency, minimizing exposure to exchange rate movements. When a different currency is used, we may use foreign currency swaps to convert our debt obligations to the local currency of the earning assets being financed. We designate certain cross-currency swaps as cash flow hedges of foreign currency-denominated debt. The risk being hedged is the variability in the cash flows for the payments of both principal and interest attributable to changes in foreign currency exchange rates. If the hedge relationship is deemed to be highly effective, we record the effective portion of changes in the fair value of the swap in accumulated other comprehensive income/loss. When the hedged cash flows affect earnings via principal remeasurement or accrual of interest expense, we reclassify these amounts to other operating expenses or interest expense. Any ineffective portion of a cash flow hedge is recorded to interest expense immediately. Fair Value Financial instruments are considered Level 1 when quoted prices are available in active markets for identical assets or liabilities as of the reporting date. Active markets are those in which transactions for the asset or liability occur in sufficient frequency and volume to provide pricing information on an ongoing basis. Financial instruments are considered Level 2 when inputs other than quoted prices are observable for the asset or liability, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets and quoted prices for identical or similar assets or liabilities in markets that are not active. Financial instruments are considered Level 3 when their values are determined using price models, discounted cash flow methodologies or similar techniques and at least one significant model assumption or input is unobservable. Level 3 financial instruments also include those for which the determination of fair value requires significant management judgment or estimation. Income Taxes We account for income taxes on a separate return basis using an asset and liability method which requires the recognition of deferred tax assets and liabilities for the expected future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis, net operating loss and tax credit carryforwards. A valuation allowance is recognized if it is more likely than not that some portion or the entire deferred tax asset will not be realized. We record uncertain tax positions on the basis of a two-step process whereby: (i) we determine whether it is more likely than not that the tax positions will be sustained based on the technical merits of the position; and (ii) for those tax positions that meet the more likely than not recognition, we recognize the largest amount of tax benefit that is greater than 50% likely to be realized upon ultimate settlement with the related tax authority. We record interest and penalties on uncertain tax positions in income tax provision. Revenue Recognition Finance charge income related to retail finance receivables is recognized using the effective interest method. Fees and commissions received and direct costs of originating loans are generally deferred and amortized over the term of the related finance receivables using the effective interest method and are removed from the consolidated balance sheets when the related finance receivables are sold, charged off or paid in full. Accrual of finance charge income is suspended on accounts that are more than 60 days delinquent, accounts in bankruptcy and accounts in repossession. Interest accrual resumes once an account has received payments bringing the delinquency status to less than 60 days past due or, for TDRs, when repayment is reasonably assured based on the modified terms of the loan. Finance charge income related to commercial finance receivables is recognized using the effective interest method. Accrual of finance charge income is generally suspended on accounts that are more than 90 days delinquent, upon receipt of a bankruptcy notice from a borrower, or where reasonable doubt about the full collectability of contractually agreed upon principal and interest exists. Payments received on non-accrual loans are first applied to principal. Interest accrual resumes once an account has received payments bringing the account status fully current and collection of contractual principal and interest is reasonably assured (including amounts previously charged off). Operating lease rental income for leased vehicles is recognized on a straight-line basis over the lease term. Net deferred origination fees or costs are amortized on a straight-line basis over the term of the lease agreement. Parent Company Stock-Based Compensation We measure and record compensation expense for parent company stock-based compensation awards based on the award's estimated fair value. We record compensation expense over the applicable vesting period of an award. Refer to Note 13 for further information. Recently Issued Accounting Standards Not Yet Adopted In May 2014 the FASB issued ASU 2014-09, “Revenue from Contracts with Customers” (ASU 2014-09), which requires us to recognize revenue when a customer obtains control rather than when we have transferred substantially all risks and rewards of a good or service and requires expanded disclosures. ASU 2014-09, as amended, became effective for us on January 1, 2018. The adoption of ASU 2014-09 on January 1, 2018 was not material to our consolidated financial statements. In February 2016 the 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. While we are currently assessing the impact ASU 2016-02 will have on our consolidated financial statements, we expect the primary impact to our consolidated financial position upon adoption will be the recognition, on a discounted basis, of our minimum commitments under noncancelable operating leases on our consolidated balance sheets resulting in the recording of right of use assets and lease obligations. Our current minimum commitments under noncancelable operating leases are disclosed in Note 11 . In June 2016 the FASB issued ASU 2016-13, "Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments" (ASU 2016-13), which requires entities to use a new impairment model based on expected losses. Under this new model an entity would recognize an impairment allowance equal to its current estimate of credit losses on financial assets measured at amortized cost. ASU 2016-13 is effective for us beginning January 1, 2020 with early adoption permitted January 1, 2019. Credit losses under the new model will consider relevant information about past events, current conditions and reasonable and supportable forecasts, resulting in recognition of lifetime expected credit losses upon loan origination as compared to our current accounting that recognizes credit losses as incurred. We are currently evaluating new processes to calculate credit losses in accordance with ASU 2016-13 that, once completed, will determine the impact on our consolidated financial statements, which at the date of adoption will increase the allowance for credit losses with a resulting negative adjustment to retained earnings. In August 2017, the Financial Accounting Standards Board (FASB) issued Accounting Standard Update 2017-12, "Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities" (ASU 2017-12), which simplifies the application of hedge accounting and more closely aligns hedge accounting with companies' risk management strategies thereby making more hedging strategies eligible for hedge accounting. ASU 2017-12 became effective for us on January 1, 2018. ASU 2017-12 expanded disclosure requirements and required a cumulative-effect adjustment for certain items upon adoption. The adoption of ASU 2017-12 was not material to our consolidated financial statements.

Discontinued Operations

Discontinued Operations	12 Months Ended
	Dec. 31, 2017
Discontinued Operations and Disposal Groups [Abstract]
Discontinued Operations	Discontinued Operations On March 5, 2017, General Motors Holdings LLC, a wholly-owned subsidiary of GM and our parent, entered into an agreement with Peugeot S.A. On July 31, 2017, GM closed the sale of the Opel and Vauxhall businesses and certain other assets in Europe to Peugeot S.A., and on October 31, 2017, we closed the sale of certain of our European Operations to Banque PSA Finance S.A. and BNP Paribas Personal Finance S.A. The net consideration paid at closing for our European Operations was $1.1 billion , and we recognized a disposal loss of $525 million , which includes $197 million related to the recognition of foreign currency translation losses. The following table summarizes the assets and liabilities of the European Operations at December 31, 2016: December 31, 2016 ASSETS Cash and cash equivalents $ 386 Finance receivables, net 9,715 Related party receivables 163 Other assets 687 Total assets held for sale $ 10,951 LIABILITIES Secured debt $ 4,183 Unsecured debt 5,130 Related party payables 80 Other liabilities 300 Total liabilities held for sale $ 9,693 The following table summarizes the results of operations of the European Operations: Years Ended December 31, 2017 2016 2015 Total revenue $ 474 $ 574 $ 588 Interest expense 79 136 156 Other expenses 263 287 273 Total costs and expenses 342 423 429 Income from discontinued operations before income taxes 132 151 159 Loss on sale of discontinued operations before income taxes 525 — — (Loss) income from discontinued operations before income taxes (393 ) 151 159 Income tax provision (benefit) 31 54 (2 ) (Loss) income from discontinued operations, net of tax $ (424 ) $ 97 $ 161

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2017
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 vehicles manufactured by GM and certain used vehicles 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 cash payments to us to cover certain interest payments on commercial loans. In March 2017, we executed an agreement to purchase certain program vehicles from Maven Drive LLC (Maven), a wholly-owned subsidiary of GM. We simultaneously leased these vehicles to Maven for use in their U.S. ride-sharing arrangements. We account for these leases as direct-financing leases, which are included in our finance receivables, net. We periodically purchase retail finance receivables from GM for vehicles sold to rental car companies. During 2017 , we purchased $269 million of these receivables from GM. In November 2017, following the sale of our European Operations, we paid a $550 million special dividend to GM, which is included in the financing section of our consolidated statement of cash flows. We have related party payables due to GM, primarily for commercial finance receivables originated but not yet funded. The balance in these payables decreased from December 31, 2016 due to a re-timing of cash payments to GM. The following tables present related party transactions: Balance Sheet Data December 31, 2017 December 31, 2016 Commercial finance receivables, net due from dealers consolidated by GM (a) $ 355 $ 347 Direct-financing lease receivables from Maven (a) $ 88 $ — Subvention receivable (b) $ 306 $ 347 Commercial loan funding payable (c) $ 90 $ 320 Income Statement Data Years Ended December 31, 2017 2016 2015 Interest subvention earned on retail finance receivables (d) $ 438 $ 337 $ 235 Interest subvention earned on commercial finance receivables (d) $ 54 $ 50 $ 54 Leased vehicle subvention earned (e) $ 3,046 $ 2,232 $ 999 _________________ (a) Included in finance receivables, net. (b) Included in related party receivables. We received subvention payments from GM of $4.3 billion , $4.2 billion and $3.5 billion during 2017 , 2016 and 2015 . (c) Included in related party payables. (d) Included in finance charge income. (e) 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. We have the ability to borrow up to $1.0 billion under GM's three -year, $4.0 billion unsecured revolving credit facility and $3.0 billion under GM's five -year, $10.5 billion unsecured revolving credit facility, subject to available capacity. GM also agreed to certain provisions in the Support Agreement 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). We are 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 December 31, 2017 and 2016 , there are no related party taxes payable to GM due to our taxable loss position.

Finance Receivables

Finance Receivables	12 Months Ended
	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Finance Receivables	Finance Receivables December 31, 2017 December 31, 2016 Retail finance receivables Retail finance receivables, collectively evaluated for impairment, net of fees $ 30,574 $ 24,480 Retail finance receivables, individually evaluated for impairment, net of fees 2,228 1,920 Total retail finance receivables (a) 32,802 26,400 Less: allowance for loan losses - collective (561 ) (489 ) Less: allowance for loan losses - specific (328 ) (276 ) Total retail finance receivables, net 31,913 25,635 Commercial finance receivables Commercial finance receivables, collectively evaluated for impairment, net of fees 10,290 7,853 Commercial finance receivables, individually evaluated for impairment, net of fees 22 27 Total commercial finance receivables 10,312 7,880 Less: allowance for loan losses - collective (50 ) (36 ) Less: allowance for loan losses - specific (3 ) (4 ) Total commercial finance receivables, net 10,259 7,840 Total finance receivables, net $ 42,172 $ 33,475 Fair value of finance receivables $ 42,178 $ 33,528 ________________ (a) Net of unearned income, unamortized premiums and discounts, and deferred fees and costs of $228 million and $178 million at December 31, 2017 and 2016 . We estimate the fair value of retail finance receivables using observable and unobservable Level 3 inputs within a cash flow model. The inputs reflect assumptions regarding expected prepayments, deferrals, delinquencies, charge-offs and recoveries of the loans within the portfolio. The cash flow model produces an estimated amortization schedule of the finance receivables. The projected cash flows are then discounted to derive the fair value of the portfolio. Macroeconomic factors could affect the credit performance of the portfolio and, therefore, could potentially affect the assumptions used in our cash flow model. A substantial majority of our commercial finance receivables have variable interest rates. The carrying amount, a Level 2 input, is considered to be a reasonable estimate of fair value. Retail Finance Receivables Years ended December 31, 2017 2016 2015 Retail finance receivables beginning balance $ 26,400 $ 22,397 $ 18,859 Purchases 19,920 14,468 13,919 Principal collections and other (12,428 ) (9,508 ) (7,891 ) Charge-offs (1,171 ) (1,136 ) (966 ) Foreign currency translation 81 179 (1,524 ) Retail finance receivables ending balance $ 32,802 $ 26,400 $ 22,397 A summary of the activity in the allowance for retail loan losses is as follows: Years ended December 31, 2017 2016 2015 Allowance for retail loan losses beginning balance $ 765 $ 713 $ 638 Provision for loan losses 742 640 592 Charge-offs (1,171 ) (1,136 ) (966 ) Recoveries 552 542 469 Foreign currency translation 1 6 (20 ) Allowance for retail loan losses ending balance $ 889 $ 765 $ 713 Retail Credit Quality Our retail finance receivables portfolio includes loans made to consumers and businesses to finance the purchase of vehicles for personal and commercial use. 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 or their equivalent), and contract characteristics. We also consider other factors, such as employment history, financial stability and capacity to pay. A summary of the credit risk profile by FICO score band or equivalent scores, determined at origination, of the retail finance receivables is as follows: December 31, 2017 December 31, 2016 Amount Percent Amount Percent Prime - FICO Score 680 and greater $ 16,892 51.5 % $ 11,417 43.2 % Near-prime - FICO Score 620 to 679 5,226 15.9 4,222 16.0 Sub-prime - FICO Score less than 620 10,684 32.6 10,761 40.8 Balance at end of period $ 32,802 100.0 % $ 26,400 100.0 % 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 delinquent retail finance receivables, which is not significantly different than the recorded investment for such receivables. December 31, 2017 December 31, 2016 Amount Percent of Contractual Amount Due Amount Percent of Contractual Amount Due 31 - 60 days $ 1,334 4.1 % $ 1,220 4.6 % Greater than 60 days 559 1.7 532 2.0 Total finance receivables more than 30 days delinquent 1,893 5.8 1,752 6.6 In repossession 27 — 47 0.2 Total finance receivables more than 30 days delinquent or in repossession $ 1,920 5.8 % $ 1,799 6.8 % At December 31, 2017 and 2016 , the accrual of finance charge income had been suspended on retail finance receivables with contractual amounts due of $778 million and $798 million . Impaired Retail Finance Receivables - TDRs Retail finance receivables that become classified as 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 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. The outstanding recorded investment for retail finance receivables that are considered to be TDRs and the related allowance is presented below: December 31, 2017 December 31, 2016 Outstanding recorded investment $ 2,228 $ 1,920 Less: allowance for loan losses (328 ) (276 ) Outstanding recorded investment, net of allowance $ 1,900 $ 1,644 Unpaid principal balance $ 2,266 $ 1,967 Additional information about loans classified as TDRs is presented below: Years Ended December 31, 2017 2016 2015 Average outstanding recorded investment $ 2,074 $ 1,766 $ 1,455 Finance charge income recognized $ 228 $ 205 $ 164 Number of loans classified as TDRs during the period 74,784 66,926 58,012 Recorded investment of loans classified as TDRs during the period $ 1,309 $ 1,148 $ 982 The unpaid principal balance, net of recoveries, of loans that were charged off during the reporting period and were within 12 months of being modified as a TDR were $27 million , $26 million and $20 million for 2017 , 2016 and 2015 . Commercial Finance Receivables Years Ended December 31, 2017 2016 2015 Commercial finance receivables beginning balance $ 7,880 $ 5,392 $ 4,884 Net funding 2,356 2,534 848 Charge-offs (2 ) (1 ) (3 ) Foreign currency translation 78 (45 ) (337 ) Commercial finance receivables ending balance $ 10,312 $ 7,880 $ 5,392 Commercial Credit Quality Our commercial finance receivables consist of dealer financings, primarily for inventory purchases. Proprietary models are used to assign a risk rating to each dealer. We perform periodic credit reviews of each dealership and adjust the dealership's risk rating, if necessary. Dealers in Group VI are subject to additional restrictions on funding, including suspension of lines of credit and liquidation of assets. The following table summarizes the credit risk profile by dealer risk rating of commercial finance receivables: December 31, 2017 December 31, 2016 Amount Percent Amount Percent Group I - Dealers with superior financial metrics $ 1,915 18.6 % $ 1,389 17.6 % Group II - Dealers with strong financial metrics 3,584 34.7 2,661 33.8 Group III - Dealers with fair financial metrics 3,424 33.2 2,775 35.2 Group IV - Dealers with weak financial metrics 1,048 10.2 631 8.0 Group V - Dealers warranting special mention due to elevated risks 260 2.5 334 4.2 Group VI - Dealers with loans classified as substandard, doubtful or impaired 81 0.8 90 1.2 Balance at end of period $ 10,312 100.0 % $ 7,880 100.0 % At December 31, 2017 and 2016 , substantially all of our commercial finance receivables were current with respect to payment status. Commercial finance receivables on non-accrual status were insignificant, and none were classified as TDRs. Activity in the allowance for commercial loan losses was insignificant for 2017 , 2016 and 2015 .

Leased Vehicles

Leased Vehicles	12 Months Ended
	Dec. 31, 2017
Property Subject to or Available for Operating Lease, Net [Abstract]
Leased Vehicles	Leased Vehicles December 31, 2017 December 31, 2016 Leased vehicles $ 62,203 $ 48,340 Manufacturer subvention (9,468 ) (7,686 ) 52,735 40,654 Less: accumulated depreciation (9,853 ) (6,312 ) Leased vehicles, net $ 42,882 $ 34,342 A summary of the changes in our leased vehicles is as follows: Years Ended December 31, 2017 2016 2015 Balance at beginning of period $ 40,654 $ 22,913 $ 8,238 Leased vehicles purchased 25,421 25,221 20,128 Terminated leases (11,160 ) (4,089 ) (1,783 ) Leased vehicles returned - default (627 ) (358 ) (120 ) Manufacturer subvention on leased vehicles purchased (3,799 ) (3,777 ) (3,431 ) Manufacturer subvention on terminated leases 2,055 678 266 Foreign currency translation 191 66 (385 ) Balance at end of period $ 52,735 $ 40,654 $ 22,913 The following table summarizes minimum rental payments due to us as lessor under operating leases: Years Ending December 31, 2018 2019 2020 2021 2022 Total Minimum rental payments under operating leases $ 6,848 $ 4,530 $ 1,759 $ 189 $ 12 $ 13,338

Goodwill

Goodwill	12 Months Ended
	Dec. 31, 2017
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	Goodwill The following table summarizes the changes in the carrying amounts of goodwill by segment: Years ended December 31, 2017 2016 2015 North America International Total North America International Total North America International Total Beginning balance $ 1,105 $ 91 $ 1,196 $ 1,105 $ 84 $ 1,189 $ 1,106 $ 138 $ 1,244 Foreign currency translation — 1 1 — 7 7 (1 ) (54 ) (55 ) Ending balance $ 1,105 $ 92 $ 1,197 $ 1,105 $ 91 $ 1,196 $ 1,105 $ 84 $ 1,189

Equity in Net Assets of Non-con

Equity in Net Assets of Non-consolidated Affiliates	12 Months Ended
	Dec. 31, 2017
Equity Method Investments and Joint Ventures [Abstract]
Equity in Net Assets of Non-consolidated Affiliates	Equity in Net Assets of Non-consolidated Affiliate We use the equity method to account for our equity interest in 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. Summarized Balance Sheet Data (a) : December 31, 2017 December 31, 2016 Finance receivables, net $ 13,459 $ 10,408 Total assets $ 16,198 $ 11,089 Debt $ 9,349 $ 6,681 Total liabilities $ 13,807 $ 9,330 Years Ended December 31, Summarized Operating Data (a) : 2017 2016 2015 Finance charge income $ 1,053 $ 940 $ 971 Provision for loan losses $ (6 ) $ 18 $ 45 Interest expense $ 337 $ 257 $ 338 Income before income taxes $ 661 $ 570 $ 463 Net income $ 496 $ 428 $ 347 _________________ (a) This data represents that of the entire entity and not our 35% proportionate share. There were no dividends received from SAIC-GMAC in 2017 or 2015. We received dividends from SAIC-GMAC of $129 million in 2016 . At December 31, 2017 and 2016 , we had undistributed earnings of $315 million and $142 million related to SAIC-GMAC.

Debt

Debt	12 Months Ended
	Dec. 31, 2017
Debt Disclosure [Abstract]
Debt	Debt December 31, 2017 December 31, 2016 Carrying Amount Fair Value Carrying Amount Fair Value Secured debt Revolving credit facilities $ 4,694 $ 4,713 $ 8,503 $ 8,498 Securitization notes payable 35,193 35,235 26,584 26,664 Total secured debt 39,887 39,948 35,087 35,162 Unsecured debt Senior notes 36,820 37,969 26,737 27,304 Credit facilities 2,368 2,375 1,961 1,961 Other unsecured debt 1,642 1,645 778 780 Total unsecured debt 40,830 41,989 29,476 30,045 Total secured and unsecured debt $ 80,717 $ 81,937 $ 64,563 $ 65,207 Fair value utilizing Level 2 inputs $ 79,623 $ 62,951 Fair value utilizing Level 3 inputs $ 2,314 $ 2,256 The fair value of our debt measured utilizing Level 2 inputs was based on quoted market prices for identical instruments and if unavailable, quoted market prices of similar instruments. For debt with original maturity or revolving period of eighteen months or less par value is considered to be a reasonable estimate of fair value. The fair value of our debt measured utilizing Level 3 inputs was based on the discounted future net cash flows expected to be settled using current risk-adjusted rates. Secured Debt Most of the secured debt was issued by VIEs and is repayable only from proceeds related to the underlying pledged assets. Refer to Note 9 for further discussion. The weighted average interest rate on secured debt was 2.37% at December 31, 2017 . Issuance costs on the secured debt of $90 million as of December 31, 2017 and $75 million as of December 31, 2016 are amortized to interest expense over the expected term of the secured debt. The terms of our revolving credit facilities provide for a revolving period and subsequent amortization period, and are expected to be repaid over periods ranging up to five years . During 2017 , we entered into new credit facilities and renewed credit facilities with a total net additional borrowing capacity of $2.9 billion . Securitization notes payable at December 31, 2017 are due beginning in 2019 through 2025 . During 2017 , we issued $22.4 billion in aggregate principal amount of securitization notes payable with an initial weighted average interest rate of 2.10% . Unsecured Debt Senior Notes At December 31, 2017 , we had $37.3 billion aggregate outstanding in senior notes that mature from 2018 through 2027 and have a weighted average interest rate of 3.27% . Issuance costs on senior notes of $122 million as of December 31, 2017 and $110 million as of December 31, 2016 are amortized to interest expense over the term of the notes. During 2017 , we issued $12.7 billion in aggregate principal amount of senior notes with a weighted average interest rate of 2.85% and maturity dates ranging from 2019 through 2027 . In January 2018, we issued $1.65 billion in senior notes with a weighted average interest rate of 3.26% and maturity dates ranging from 2023 through 2028. All of these notes are guaranteed by AmeriCredit Financial Services, Inc. (AFSI), our primary U.S. operating subsidiary, and $821 million in senior notes issued by subsidiaries in Canada and Mexico are also guaranteed by General Motors Financial Company, Inc. Our currently outstanding $500 million 6.75% senior notes mature on June 1, 2018, and when, among other things, such notes are discharged on or before the stated maturity date, the AFSI guarantees on all outstanding senior notes will be automatically and unconditionally released and discharged. Credit Facilities and Other Unsecured Debt We use unsecured credit facilities with banks as well as non-bank instruments as funding sources, primarily in the International Segment. During 2017 , we increased net borrowing capacity on unsecured committed credit facilities by $24 million . The terms of advances under our unsecured credit facilities are determined and agreed to by us and the lender on the borrowing date for each advance and can have maturities up to four years . The weighted average interest rate on these credit facilities and other unsecured debt was 7.28% at December 31, 2017 . Contractual Debt Obligations The following table presents the expected scheduled principal and interest payments under our contractual debt obligations: Years Ending December 31, 2018 2019 2020 2021 2022 Thereafter Total Secured debt $ 19,348 $ 12,406 $ 6,203 $ 1,775 $ 227 $ — $ 39,959 Unsecured debt 5,154 6,083 8,493 6,027 5,096 10,477 41,330 Interest payments 2,373 1,653 1,149 787 532 1,144 7,638 $ 26,875 $ 20,142 $ 15,845 $ 8,589 $ 5,855 $ 11,621 $ 88,927 Compliance with Debt Covenants Several of 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. Certain of our secured debt agreements also contain various covenants, including maintaining portfolio performance ratios as well as limits on deferment levels. Our unsecured senior notes contain covenants including limitations on our ability to incur certain liens. At December 31, 2017 , we were in compliance with these debt covenants.

Variable Interest Entities

Variable Interest Entities	12 Months Ended
	Dec. 31, 2017
Noncontrolling Interest [Abstract]
Variable Interest Entities	Variable Interest Entities Securitizations and Credit Facilities The following table summarizes the assets and liabilities related to our consolidated VIEs: December 31, 2017 December 31, 2016 Restricted cash (a) $ 2,267 $ 1,780 Finance receivables, net of fees $ 28,364 $ 24,644 Lease related assets $ 22,222 $ 19,341 Secured debt $ 39,328 $ 34,185 _______________ (a) Included in other assets.

Derivative Financial Instrument

Derivative Financial Instruments and Hedging Activities	12 Months Ended
	Dec. 31, 2017
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments and Hedging Activities	Derivative Financial Instruments and Hedging Activities December 31, 2017 December 31, 2016 Level Notional Fair Value Notional Fair Value Derivatives designated as hedges Assets Fair value hedges Interest rate swaps 2 $ 1,250 $ 2 $ — $ — Cash flow hedges Interest rate swaps 2,3 2,177 15 3,070 12 Foreign currency swaps 2 1,574 103 — — Total assets (a) $ 5,001 $ 120 $ 3,070 $ 12 Liabilities Fair value hedges Interest rate swaps 2 $ 9,860 $ 290 $ 7,700 $ 276 Cash flow hedges Interest rate swaps 2,3 — — 500 1 Foreign currency swaps 2 — — 791 33 Total liabilities (b) $ 9,860 $ 290 $ 8,991 $ 310 Derivatives not designated as hedges Assets Interest rate swaps 2,3 $ 38,741 $ 260 $ 7,959 $ 54 Interest rate caps and floors 2 16,840 69 9,698 26 Foreign currency swaps 2 1,201 104 — — Total assets (a) $ 56,782 $ 433 $ 17,657 $ 80 Liabilities Interest rate swaps 2,3 $ 8,404 $ 137 $ 6,170 $ 28 Interest rate caps and floors 2 17,953 70 12,146 26 Total liabilities (b) $ 26,357 $ 207 $ 18,316 $ 54 _________________ (a) Derivative assets are included in other assets. (b) Derivative liabilities are included in other liabilities. Amounts accrued for interest payments in a net receivable position are included in other assets. The fair value for Level 2 instruments was derived using the market approach based on observable market inputs including quoted prices of similar instruments and foreign exchange and interest rate forward curves. The fair value for Level 3 instruments was derived using the income approach based on a discounted cash flow model, in which expected cash flows are discounted using current risk-adjusted rates. The activity for interest rate swap agreements measured at fair value on a recurring basis using significant unobservable inputs (Level 3) was insignificant for 2017 , 2016 and 2015 . Income (Losses) Recognized In Income Years Ended December 31, 2017 2016 2015 Fair value hedges Interest rate contracts (a)(b) $ 42 $ (7 ) $ 1 Cash flow hedges Interest rate contracts (a) 3 (3 ) — Foreign currency contracts (c) 121 39 — Derivatives not designated as hedges Interest rate contracts (a) 40 27 (12 ) Foreign currency contracts (c)(d) 86 — 4 Total $ 292 $ 56 $ (7 ) _________________ (a) Recognized in earnings as interest expense. (b) Includes hedge ineffectiveness which reflects the net change in the fair value of interest rate contracts offset by the change in fair value of hedged debt attributable to the hedged risk. (c) Recognized in earnings as other operating expenses and interest expense. (d) Activity is partially offset by translation activity (included in other operating expenses) related to foreign currency-denominated loans. Gains (Losses) Recognized In Accumulated Other Comprehensive Loss Years Ended December 31, 2017 2016 2015 Cash flow hedges Interest rate contracts $ 5 $ 4 $ — Foreign currency contracts 81 (20 ) — Total $ 86 $ (16 ) $ — (Losses) Gains Reclassified From Accumulated Other Comprehensive Loss Into Income Years Ended December 31, 2017 2016 2015 Cash flow hedges Interest rate contracts $ (1 ) $ 2 $ — Foreign currency contracts (86 ) 31 — Total $ (87 ) $ 33 $ —

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2017
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies Leases We lease space for our operating facilities and administrative offices under leases with terms up to 10 years with renewal options. Certain leases contain lease escalation clauses for real estate taxes and other operating expenses and renewal option clauses calling for increased rents. A summary of lease expense and operating lease commitments is as follows: Years Ended December 31, 2017 2016 2015 Lease expense $ 29 $ 24 $ 22 Years Ending December 31, 2018 2019 2020 2021 2022 Thereafter Total Operating lease commitments $ 27 $ 26 $ 25 $ 23 $ 22 $ 63 $ 186 Concentrations of Credit Risk Financial instruments which potentially subject us to concentrations of credit risk are primarily cash equivalents, restricted cash, derivative financial instruments and retail finance receivables. Our cash equivalents and restricted cash represent investments in highly rated securities placed through various major financial institutions. The counterparties to our derivative financial instruments are various major financial institutions. Borrowers located in Texas accounted for 12.8% of the retail finance receivable portfolio as of December 31, 2017 . No other state or country accounted for more than 10% of the retail finance receivable portfolio. At December 31, 2017 , substantially all of our commercial finance receivables represent loans to GM-franchised dealers and their affiliates. Guarantees of Indebtedness The payments of principal and interest on senior notes issued by our top-tier holding company and our primary Canadian and Mexican operating subsidiaries are guaranteed by our primary U.S. operating subsidiary, AFSI. At December 31, 2017 , the aggregate principal amount of our senior notes was $37.3 billion of which $821 million issued by our subsidiaries in Canada and Mexico are also guaranteed by the Company. Refer to Note 21 for further discussion. At December 31, 2017 , the Company and AFSI have guaranteed approximately $2.0 billion in aggregate principal amount of Euro Medium Term Notes issued by General Motors Financial International B.V., a former subsidiary of the Company, pursuant to our Euro Medium Term Note Programme. Subject to the terms and conditions of a letter agreement entered into with BNP Paribas in connection with the sale of certain of our European Operations on October 31, 2017, BNP Paribas has agreed to pay to the Company and AFSI any amount that the Company and AFSI may pay under any such guarantees. Legal Proceedings We are subject to various pending and potential legal and regulatory proceedings in the ordinary course of business, including litigation, arbitration, claims, investigations, examinations, subpoenas and enforcement proceedings. Some litigation against us could take the form of class actions. The outcome of these proceedings are inherently uncertain, and thus we cannot confidently predict how or when proceedings will be resolved. An adverse outcome in one or more of these proceedings could result in substantial damages, settlements, fines, penalties, diminished income or reputational harm. We identify below the material proceedings in connection with which we believe a material loss is reasonably possible or probable. In accordance with the current accounting standards for loss contingencies, we establish reserves for legal matters when it is probable that a loss associated with the matter has been incurred and the amount of the loss can be reasonably estimated. The actual costs of resolving legal matters may be higher or lower than any amounts reserved for these matters. At December 31, 2017 , we estimated our reasonably possible legal exposure for unfavorable outcomes is up to $70 million , and have accrued $23 million . In 2014 and 2015, we were served with investigative subpoenas from various state attorneys general and other governmental offices to produce documents and data relating to our automobile loan and lease business and securitization of loans and leases. We believe that we have cooperated fully with all reasonable requests for information. 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 $19 million .

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2017
Equity [Abstract]
Stockholders' Equity	Shareholders' Equity On September 1, 2017 , we executed a 10,000 to 1 stock split of each share of our previously authorized common stock, par value $1.00 per share. Each outstanding share was deemed automatically converted into 10,000 shares of common stock, par value $0.0001 per share. On September 20, 2017 , we issued 1,000,000 shares, par value $0.01 per share, of Fixed-to-Floating Rate Cumulative Perpetual Preferred Stock, Series A, at a liquidation preference $1,000 per share, for net proceeds of $985 million . For the first 10 years after issuance, holders of the preferred stock will be entitled to receive cash dividend payments at an annual rate of 5.750% , payable semi-annually in arrears on March 30 and September 30 of each year beginning on March 30, 2018. After 10 years, holders of the preferred stock will be entitled to receive cash dividend payments at a floating rate equal to the then applicable three-month U.S. Dollar LIBOR plus a spread of 3.598% per annum, payable quarterly in arrears, on March 30, June 30, September 30 and December 30 of each year. Dividends on the preferred stock are cumulative whether or not we have earnings, whether or not there are funds legally available for the payment of the dividends and whether or not the dividends are authorized or declared. The preferred stock does not have a maturity date. We may, at our option, redeem the shares of preferred stock, in whole or in part, at any time on or after September 30, 2027, at a price of $1,000 per share of preferred stock plus all accumulated and unpaid dividends.

Parent Company Stock-Based Comp

Parent Company Stock-Based Compensation	12 Months Ended
	Dec. 31, 2017
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Parent Stock-Based Compensation	Parent Company Stock-Based Compensation GM grants to certain employees and key executive officers Restricted Stock Units (RSUs), Performance-based Share Units (PSUs) and stock options. Shares awarded under the plans are subject to forfeiture if the participant leaves the company for reasons other than those permitted under the plans, such as retirement, death or disability. RSU awards granted either cliff vest or ratably vest generally over a three -year service period, as defined in the terms for each award. PSU awards generally vest at the end of a three -year performance period based on performance criteria determined by the Executive Compensation Committee of the GM Board of Directors at the time of award. The number of shares earned may equal, exceed or be less than the targeted number of shares depending on whether the performance criteria are met, surpassed or not met. The following table summarizes information about RSUs, PSUs and stock options granted to our employees and key executive officers under GM's stock-based compensation programs (units in thousands): Year Ended December 31, 2017 Shares Weighted-Average Grant Date Fair Value Weighted-Average Remaining Contractual Term (years) Units outstanding at January 1, 2017 2,827 $ 25.37 1.7 Granted 915 $ 32.90 Settled (701 ) $ 36.56 Forfeited or expired (168 ) $ 11.93 Units outstanding at December 31, 2017 2,873 $ 28.44 1.4 Units unvested and expected to vest at December 31, 2017 1,837 $ 34.51 1.9 Units vested and payable at December 31, 2017 949 $ 16.71 Total compensation expense related to the above awards was $48 million , $45 million and $36 million in 2017 , 2016 and 2015 . The assumptions used to estimate the fair value of the stock options issued during 2017 and 2015 are a dividend yield of 4.43% and 4.60% , expected volatility of 25.0% and 26.1% , a risk-free interest rate of 1.97% and 2.00% , and an expected option life of 5.84 and 6.59 years. There were no stock options issued during 2016 . At December 31, 2017 , total unrecognized compensation expense for nonvested equity awards granted was $35 million . This expense is expected to be recorded over a weighted-average period of 1.4 years. The total fair value of RSUs and PSUs vested in 2017 was $16 million and in 2016 and 2015 was $12 million . In 2017 , 2016 , and 2015 , total payments for 300,000 , 49,000 and 254,000 RSUs settled in cash under stock incentive plans were $11 million , $2 million and $9 million .

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2017
Retirement Benefits [Abstract]
Employee Benefit Plans	Employee Benefit Plans We have defined contribution retirement plans covering the majority of our employees. We recognized $20 million , $17 million and $14 million in compensation expense for 2017, 2016 and 2015 related to these plans. Contributions to the plans were made in cash.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The following table summarizes income before income taxes and equity income: Years Ended December 31, 2017 2016 2015 U.S. income $ 710 $ 336 $ 374 Non-U.S. income 313 275 189 Income before income taxes and equity income $ 1,023 $ 611 $ 563 Income Tax Expense Years Ended December 31, 2017 2016 2015 Current income tax expense U.S. federal $ — $ (1 ) $ 13 U.S. state and local (4 ) — (5 ) Non-U.S. 73 98 58 Total current 69 97 66 Deferred income tax expense U.S. federal (16 ) (1 ) 115 U.S. state and local 31 13 6 Non-U.S. 27 (4 ) 7 Total deferred 42 8 128 Total income tax provision $ 111 $ 105 $ 194 Provisions are made for estimated U.S. and non-U.S. income taxes, which may be incurred on the reversal of our basis differences in investments in foreign subsidiaries not deemed to be indefinitely reinvested. At December 31, 2017 and 2016, taxes of $45 million and $4 million have not been provided on basis differences in investments as a result of earnings in foreign subsidiaries which are deemed indefinitely reinvested. Quantification of the deferred tax liability, if any, associated with indefinitely reinvested basis differences is not practicable. The following table summarizes a reconciliation of income tax expense (benefit) compared with the amounts at the U.S. federal statutory income tax rate: Years Ended December 31, 2017 2016 2015 U.S. statutory tax rate 35.0 % 35.0 % 35.0 % Non-U.S. income taxed at other than 35% (0.1 ) (0.3 ) (0.8 ) State and local income taxes 3.5 2.5 1.1 U.S. tax on non-U.S. earnings 7.3 (15.4 ) 7.8 Valuation allowance 1.1 7.8 1.2 Tax credits and incentives (11.2 ) (12.4 ) (8.4 ) U.S. federal tax reform impact (23.4 ) — — Other (1.3 ) — (1.5 ) Effective tax rate 10.9 % 17.2 % 34.4 % Deferred Income Tax Assets and Liabilities Deferred income tax assets and liabilities at December 31, 2017 and 2016 reflect the effect of temporary differences between amounts of assets, liabilities and equity for financial reporting purposes and the basis of such assets, liabilities and equity as measured by tax laws, as well as tax loss and tax credit carryforwards. The following table summarizes the components of temporary differences and carryforwards that give rise to deferred tax assets and liabilities: December 31, 2017 December 31, 2016 Deferred tax assets Net operating loss carryforward - U.S. (a) $ 811 $ 1,049 Net operating loss carryforward - non-U.S. (b) 180 178 Market value difference of loan portfolio 102 102 Accruals 122 117 Tax credits (c) 789 388 Other 157 111 Total deferred tax assets before valuation allowance 2,161 1,945 Less: valuation allowance (326 ) (144 ) Total deferred tax assets 1,835 1,801 Deferred tax liabilities Depreciable assets 1,619 1,482 Deferred acquisition costs 130 177 Other 125 123 Total deferred tax liabilities 1,874 1,782 Net deferred tax (liability) asset $ (39 ) $ 19 _________________ (a) Includes tax-effected operating losses of $0.8 billion expiring through 2038 at December 31, 2017 . (b) Includes tax-effected operating losses of $115 million expiring through 2038 and $65 million that may be carried forward indefinitely at December 31, 2017 . (c) Includes tax credits of $789 million expiring through 2038 at December 31, 2017 . We are included in GM’s consolidated U.S. federal income tax return and 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. As of December 31, 2017 , we have $326 million in valuation allowances against deferred tax assets in U.S. jurisdictions. The increase in our valuation allowance of $182 million is primarily related to U.S. foreign tax credits that we do not expect to utilize within the carryforward period. Uncertain Tax Positions Years Ended December 31, 2017 2016 2015 Beginning balance $ 56 $ 57 $ 77 Additions to prior years' tax positions — 4 — Reductions to prior years' tax positions (1 ) (6 ) (4 ) Additions to current year tax positions 4 2 — Reductions in tax positions due to lapse of statutory limitations (5 ) (4 ) (7 ) Settlements — — (2 ) Foreign currency translation — 3 (7 ) Ending balance $ 54 $ 56 $ 57 At December 31, 2017, 2016 and 2015 , there were $33 million , $35 million and $32 million of net unrecognized tax benefits that, if recognized, would favorably affect the effective tax rate. We recognize accrued interest and penalties associated with uncertain tax positions as a component of the income tax provision. Accrued interest and penalties are included within the related tax liability line on the consolidated balance sheets. During 2017, 2016 and 2015 , income tax related interest and penalties recorded were insignificant. At December 31, 2017 and 2016 we had liabilities of $80 million for income tax-related interest and penalties. At December 31, 2017, it is not possible to reasonably estimate the expected change to the total amount of unrecognized tax benefits in the next twelve months. Periodically, we make deposits to taxing jurisdictions which reduce our unrecognized tax benefit balance, but are not reflected in the reconciliation above. At December 31, 2017 and 2016 the amount of deposits that reduce our unrecognized tax benefit liability in the consolidated balance sheets was $15 million . Other Matters 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 December 31, 2017 and 2016 , there were no related party taxes payable due to GM due to our taxable loss position. Income tax returns are filed in multiple jurisdictions and are subject to examination by taxing authorities throughout the world. We have open tax years from 2010 to 2017 with various tax jurisdictions. These open years contain matters that could be subject to differing interpretations of applicable tax laws and regulations as they relate to the amount, character, timing or inclusion of revenue and/or recognition of expenses, or the sustainability of income tax credits. Certain of our state and foreign tax returns are currently under examination in various jurisdictions. On December 22, 2017, the Tax Cuts and Jobs Act (the Act) was signed into law. The Act changed many aspects of U.S. corporate income taxation and included reduction of the corporate income tax rate from 35% to 21% , implementation of a territorial tax system and imposition of a tax on deemed repatriated earnings of foreign subsidiaries. We recognized the tax effects of the Act during the three months ended December 31, 2017, and recorded a $240 million tax benefit. The tax benefit is made up of a $452 million benefit due to the remeasurement of deferred tax liabilities at the 21% tax rate, offset by a territorial tax of $212 million . Upon completion of our 2017 U.S. income tax return in 2018 we may identify additional remeasurement adjustments to our recorded deferred tax liabilities and the one-time transition tax. We will continue to assess our provision for income taxes as future guidance is issued, but do not currently anticipate significant revisions will be necessary. Any such revisions will be treated in accordance with the measurement period guidance outlined in Staff Accounting Bulletin No. 118.

Supplemental Cash Flow Informat

Supplemental Cash Flow Information	12 Months Ended
	Dec. 31, 2017
Supplemental Cash Flow Elements [Abstract]
Supplemental Cash Flow Information	Supplemental Cash Flow Information Cash payments for interest costs and income taxes consist of the following: Years Ended December 31, 2017 2016 2015 Interest costs (none capitalized) $ 2,571 $ 1,761 $ 1,204 Income taxes $ 99 $ 102 $ 68 Non-cash investing items consist of the following: Years Ended December 31, 2017 2016 2015 Subvention receivable from GM $ 306 $ 347 $ 362 Commercial loan funding payable to GM (a) $ 90 $ 320 $ 303 _________________ (a) Refer to Note 3 for further information.

Segment Reporting and Geographi

Segment Reporting and Geographic Information	12 Months Ended
	Dec. 31, 2017
Segment Reporting [Abstract]
Segment Reporting and Geographic Information	Segment Reporting and Geographic Information We offer substantially similar products and services throughout many different regions, subject to local regulations and market conditions. We evaluate our business in two operating segments: the North America Segment and the International Segment. The North America Segment includes our operations in the U.S. and Canada. The International Segment includes our operations in Brazil, Chile, Colombia, Mexico and Peru as well as our equity investment in SAIC-GMAC, a joint venture that conducts auto finance operations in China. 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. As discussed in Note 2 , our European Operations are presented as discontinued operations and are excluded from our segment results for all periods presented. These operations were previously included in our International Segment. Key operating data for our operating segments were as follows: Year Ended December 31, 2017 North America International Total Total revenue $ 10,999 $ 1,152 $ 12,151 Operating expenses 1,050 340 1,390 Leased vehicle expenses 6,391 24 6,415 Provision for loan losses 623 134 757 Interest expense 2,032 534 2,566 Equity income — 173 173 Income from continuing operations before income taxes $ 903 $ 293 $ 1,196 Year Ended December 31, 2016 North America International Total Total revenue $ 7,948 $ 1,035 $ 8,983 Operating expenses 891 359 1,250 Leased vehicle expenses 4,499 7 4,506 Provision for loan losses 566 78 644 Interest expense 1,481 491 1,972 Equity income — 151 151 Income from continuing operations before income taxes $ 511 $ 251 $ 762 Year Ended December 31, 2015 North America International Total Total revenue $ 4,777 $ 1,090 $ 5,867 Operating expenses 735 316 1,051 Leased vehicle expenses 2,190 — 2,190 Provision for loan losses 466 137 603 Interest expense 907 553 1,460 Equity income — 116 116 Income from continuing operations before income taxes $ 479 $ 200 $ 679 December 31, 2017 December 31, 2016 North America International Total North America International Total Finance receivables, net $ 35,436 $ 6,736 $ 42,172 $ 27,617 $ 5,858 $ 33,475 Leased vehicles, net $ 42,753 $ 129 $ 42,882 $ 34,284 $ 58 $ 34,342 Total assets (a) $ 87,618 $ 9,397 $ 97,015 $ 68,656 $ 19,109 $ 87,765 ________________ (a) International Segment includes assets held for sale of $11.0 billion at December 31, 2016 . The following table summarizes information concerning principal geographic areas: At and For the Years Ended December 31, 2017 2016 2015 Revenue Long-Lived Assets (a) Revenue Long-Lived Assets (a) Revenue Long-Lived Assets (a) U.S. $ 10,424 $ 40,674 $ 7,440 $ 32,506 $ 4,324 $ 18,501 Brazil 589 3 652 3 757 3 Other countries (b) 1,138 2,464 891 2,047 786 1,746 Total consolidated $ 12,151 $ 43,141 $ 8,983 $ 34,556 $ 5,867 $ 20,250 _________________ (a) Long-lived assets includes $42.9 billion , $34.3 billion and $20.1 billion of vehicles on operating leases at December 31, 2017, 2016 and 2015 . (b) No individual country represents more than 10% of our total revenue or long-lived assets.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	12 Months Ended
	Dec. 31, 2017
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive Loss	Accumulated Other Comprehensive Loss Years Ended December 31, 2017 2016 2015 Unrealized gain on cash flow hedges Beginning balance $ 17 $ — $ — Change in value of cash flow hedges, net of tax (1 ) 17 — Ending balance 16 17 — Defined benefit plans Beginning balance (20 ) (13 ) (11 ) Unrealized gain (loss) on subsidiary pension before reclassification adjustment, net of tax — (7 ) (2 ) Reclassification adjustment, net of tax (a) 21 — — Ending balance 1 (20 ) (13 ) Foreign currency translation adjustment Beginning balance (1,235 ) (1,091 ) (422 ) Translation gain (loss) before reclassification adjustment, net of tax 253 (144 ) (669 ) Reclassification adjustment (a) 197 — — Ending balance (785 ) (1,235 ) (1,091 ) Total accumulated other comprehensive loss $ (768 ) $ (1,238 ) $ (1,104 ) _________________ (a) The reclassification adjustment in 2017 is related to the sale of the European Operations.

Regulatory Capital and Other Re

Regulatory Capital and Other Regulatory Matters	12 Months Ended
	Dec. 31, 2017
Regulatory Capital and Other Regulatory Matters [Abstract]
Regulatory Capital and Other Regulatory Matters	Regulatory Capital and Other Regulatory Matters We are required to comply with a wide variety of laws and regulations. Certain of our entities operate in international markets as either banks or regulated finance companies that are subject to regulatory restrictions. These regulatory restrictions, among other things, require that certain of these entities meet 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. Our most significant regulated international bank, located in Brazil, had a most recently reported capital ratio of 17.4% and the minimum capital requirement was 10.5% . Total assets of our regulated international banks and finance companies were approximately $7.8 billion and $6.9 billion at December 31, 2017 and 2016 .

Quarterly Financial Data (unaud

Quarterly Financial Data (unaudited)	12 Months Ended
	Dec. 31, 2017
Quarterly Financial Data [Abstract]
Quarterly Financial Data (unaudited)	Quarterly Financial Data (unaudited) The following tables summarize supplementary quarterly financial information: First Quarter Second Quarter Third Quarter Fourth Quarter 2017 Total revenue $ 2,748 $ 2,990 $ 3,161 $ 3,252 Income from continuing operations $ 179 $ 270 $ 186 $ 450 Income (loss) from discontinued operations, net of tax $ 23 $ (208 ) $ 16 $ (255 ) Net income $ 202 $ 62 $ 202 $ 195 2016 Total revenue $ 1,931 $ 2,138 $ 2,360 $ 2,554 Income from continuing operations $ 138 $ 143 $ 134 $ 242 Income from discontinued operations, net of tax $ 26 $ 46 $ 13 $ 12 Net income $ 164 $ 189 $ 147 $ 254 During the three months ended June 30, 2017 and September 30, 2017, we recognized a portion of the loss on the disposal of the European Operations of $336 million and $38 million , in accordance with ASC 360 - "Property, Plant and Equipment." We recognized the remaining $151 million in disposal loss during the three months ended December 31, 2017 , at the closing of the sale of the European Operations.

Guarantor Consolidating Financi

Guarantor Consolidating Financial Statements	12 Months Ended
	Dec. 31, 2017
Guarantor Consolidating Financial Statements [abstract]
Guarantor Consolidating Financial Statements	Guarantor 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 in certain circumstances, including the sale or disposition of all of the Guarantor’s assets or capital stock, legal or covenant defeasance, and the discharge of certain guaranteed senior notes. The 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 December 31, 2017 and 2016 and for the years ended December 31, 2017, 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. CONSOLIDATING BALANCE SHEET December 31, 2017 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated ASSETS Cash and cash equivalents $ — $ 3,535 $ 730 $ — $ 4,265 Finance receivables, net — 9,569 32,603 — 42,172 Leased vehicles, net — — 42,882 — 42,882 Goodwill 1,095 — 102 — 1,197 Equity in net assets of non-consolidated affiliate — — 1,187 — 1,187 Property and equipment, net — 192 67 — 259 Deferred income taxes 549 21 249 (570 ) 249 Related party receivables 2 23 284 — 309 Other assets 9 1,284 3,604 (402 ) 4,495 Due from affiliates 35,312 22,603 — (57,915 ) — Investment in affiliates 9,870 6,426 — (16,296 ) — Total assets $ 46,837 $ 43,653 $ 81,708 $ (75,183 ) $ 97,015 LIABILITIES AND SHAREHOLDERS' EQUITY Liabilities Secured debt $ — $ — $ 40,289 $ (402 ) $ 39,887 Unsecured debt 36,145 — 4,685 — 40,830 Accounts payable and accrued expenses 338 382 902 — 1,622 Deferred income — — 3,221 — 3,221 Deferred income taxes — — 858 (570 ) 288 Related party payables 2 — 90 — 92 Other liabilities 58 585 138 — 781 Due to affiliates — 35,110 22,805 (57,915 ) — Total liabilities 36,543 36,077 72,988 (58,887 ) 86,721 Shareholders' equity Common stock — — 698 (698 ) — Preferred stock — — — — — Additional paid-in capital 7,525 79 2,123 (2,202 ) 7,525 Accumulated other comprehensive loss (768 ) (109 ) (714 ) 823 (768 ) Retained earnings 3,537 7,606 6,613 (14,219 ) 3,537 Total shareholders' equity 10,294 7,576 8,720 (16,296 ) 10,294 Total liabilities and shareholders' equity $ 46,837 $ 43,653 $ 81,708 $ (75,183 ) $ 97,015 CONSOLIDATING BALANCE SHEET December 31, 2016 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated ASSETS Cash and cash equivalents $ — $ 2,284 $ 531 $ — $ 2,815 Finance receivables, net — 4,969 28,506 — 33,475 Leased vehicles, net — — 34,342 — 34,342 Goodwill 1,095 — 101 — 1,196 Equity in net assets of non-consolidated affiliate — — 944 — 944 Property and equipment, net — 152 62 — 214 Deferred income taxes 502 89 242 (591 ) 242 Related party receivables — 25 322 — 347 Other assets 4 643 2,761 (169 ) 3,239 Assets held for sale — — 10,959 (8 ) 10,951 Due from affiliates 24,548 16,065 — (40,613 ) — Investment in affiliates 8,986 6,445 — (15,431 ) — Total assets $ 35,135 $ 30,672 $ 78,770 $ (56,812 ) $ 87,765 LIABILITIES AND SHAREHOLDER'S EQUITY Liabilities Secured debt $ — $ — $ 35,256 $ (169 ) $ 35,087 Unsecured debt 26,076 — 3,400 — 29,476 Accounts payable and accrued expenses 302 273 749 — 1,324 Deferred income — — 2,355 — 2,355 Deferred income taxes — — 814 (591 ) 223 Related party payables 1 — 319 — 320 Other liabilities 63 417 114 — 594 Liabilities held for sale — — 9,694 (1 ) 9,693 Due to affiliates — 24,437 16,183 (40,620 ) — Total liabilities 26,442 25,127 68,884 (41,381 ) 79,072 Shareholder's equity Common stock — — 698 (698 ) — Additional paid-in capital 6,505 79 5,345 (5,424 ) 6,505 Accumulated other comprehensive loss (1,238 ) (161 ) (1,223 ) 1,384 (1,238 ) Retained earnings 3,426 5,627 5,066 (10,693 ) 3,426 Total shareholder's equity 8,693 5,545 9,886 (15,431 ) 8,693 Total liabilities and shareholder's equity $ 35,135 $ 30,672 $ 78,770 $ (56,812 ) $ 87,765 CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2017 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 513 $ 2,743 $ — $ 3,256 Leased vehicle income — — 8,606 — 8,606 Other income 1 1,169 (7 ) (874 ) 289 Total revenue 1 1,682 11,342 (874 ) 12,151 Costs and expenses Salaries and benefits — 688 157 — 845 Other operating expenses 258 (43 ) 831 (501 ) 545 Total operating expenses 258 645 988 (501 ) 1,390 Leased vehicle expenses — — 6,415 — 6,415 Provision for loan losses — 430 327 — 757 Interest expense 1,102 72 1,765 (373 ) 2,566 Total costs and expenses 1,360 1,147 9,495 (874 ) 11,128 Equity income 2,050 1,615 173 (3,665 ) 173 Income from continuing operations before income taxes 691 2,150 2,020 (3,665 ) 1,196 Income tax (benefit) provision (238 ) 158 191 — 111 Income from continuing operations 929 1,992 1,829 (3,665 ) 1,085 Loss from discontinued operations, net of tax (268 ) (13 ) (143 ) — (424 ) Net income 661 1,979 1,686 (3,665 ) 661 Net income attributable to common shareholder $ 645 $ 1,979 $ 1,686 $ (3,665 ) $ 645 Comprehensive income $ 1,131 $ 2,031 $ 2,195 $ (4,226 ) $ 1,131 CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2016 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 432 $ 2,414 $ — $ 2,846 Leased vehicle income — — 5,896 — 5,896 Other income (1 ) 883 34 (675 ) 241 Total revenue (1 ) 1,315 8,344 (675 ) 8,983 Costs and expenses Salaries and benefits — 597 138 — 735 Other operating expenses 2 200 715 (402 ) 515 Total operating expenses 2 797 853 (402 ) 1,250 Leased vehicle expenses — — 4,506 — 4,506 Provision for loan losses — 378 266 — 644 Interest expense 557 296 1,392 (273 ) 1,972 Total costs and expenses 559 1,471 7,017 (675 ) 8,372 Equity income 994 771 151 (1,765 ) 151 Income from continuing operations before income taxes 434 615 1,478 (1,765 ) 762 Income tax (benefit) provision (341 ) (89 ) 535 — 105 Income from continuing operations 775 704 943 (1,765 ) 657 (Loss) income from discontinued operations, net of tax (21 ) — 118 — 97 Net income $ 754 $ 704 $ 1,061 $ (1,765 ) $ 754 Comprehensive income $ 620 $ 718 $ 933 $ (1,651 ) $ 620 CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2015 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 403 $ 2,445 $ — $ 2,848 Leased vehicle income — — 2,795 — 2,795 Other income 13 505 97 (391 ) 224 Total revenue 13 908 5,337 (391 ) 5,867 Costs and expenses Salaries and benefits — 332 277 — 609 Other operating expenses 64 105 524 (251 ) 442 Total operating expenses 64 437 801 (251 ) 1,051 Leased vehicle expenses — — 2,190 — 2,190 Provision for loan losses — 398 205 — 603 Interest expense 488 18 1,094 (140 ) 1,460 Total costs and expenses 552 853 4,290 (391 ) 5,304 Equity income 941 579 116 (1,520 ) 116 Income from continuing operations before income taxes 402 634 1,163 (1,520 ) 679 Income tax (benefit) provision (224 ) 25 393 — 194 Income from continuing operations 626 609 770 (1,520 ) 485 Income from discontinued operations, net of tax 20 — 141 — 161 Net income $ 646 $ 609 $ 911 $ (1,520 ) $ 646 Comprehensive (loss) income $ (25 ) $ 498 $ 225 $ (723 ) $ (25 ) CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2017 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 929 $ 1,992 $ 1,829 $ (3,665 ) $ 1,085 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 44 37 6,625 — 6,706 Accretion and amortization of loan and leasing fees — 16 (1,727 ) — (1,711 ) Undistributed earnings of non-consolidated affiliate, net (2,050 ) (1,615 ) (173 ) 3,665 (173 ) Provision for loan losses — 430 327 — 757 Deferred income taxes (80 ) 72 50 — 42 Stock-based compensation expense 39 — 9 — 48 Other operating activities 171 (281 ) (196 ) — (306 ) Changes in assets and liabilities: Other assets (5 ) 25 (74 ) — (54 ) Accounts payable and accrued expenses 26 56 71 — 153 Taxes payable (4 ) — (25 ) — (29 ) Related party payables 1 — — — 1 Net cash (used in) provided by operating activities - continuing operations (929 ) 732 6,716 — 6,519 Net cash provided by (used in) operating activities - discontinued operations 26 (14 ) 221 — 233 Net cash (used in) provided by operating activities (903 ) 718 6,937 — 6,752 Cash flows from investing activities Purchases of retail finance receivables, net — (20,769 ) (16,969 ) 18,214 (19,524 ) Principal collections and recoveries on retail finance receivables — 2,577 10,277 — 12,854 Proceeds from transfer of retail finance receivables, net — 13,509 4,705 (18,214 ) — Net funding of commercial finance receivables — (302 ) (2,282 ) — (2,584 ) Purchases of leased vehicles, net — — (19,180 ) — (19,180 ) Proceeds from termination of leased vehicles — — 6,667 — 6,667 Purchases of property and equipment — (77 ) (17 ) — (94 ) Other investing activities — (233 ) 2 233 2 Net change in due from affiliates (10,764 ) (6,538 ) — 17,302 — Net change in investment in affiliates 657 1,686 — (2,343 ) — Net cash used in investing activities - continuing operations (10,107 ) (10,147 ) (16,797 ) 15,192 (21,859 ) Net cash provided by (used in) investing activities - discontinued operations 729 — (726 ) — 3 Net cash used in investing activities (9,378 ) (10,147 ) (17,523 ) 15,192 (21,856 ) Cash flows from financing activities Net change in debt (original maturities less than three months) 129 — (234 ) — (105 ) Borrowings and issuance of secured debt — — 32,713 (233 ) 32,480 Payments on secured debt — — (27,451 ) — (27,451 ) Borrowings and issuance of unsecured debt 12,216 — 3,667 — 15,883 Payments on unsecured debt (2,450 ) — (2,568 ) — (5,018 ) Debt issuance costs (49 ) — (106 ) — (155 ) Proceeds from issuance of preferred stock 985 — — — 985 Dividends paid (550 ) — — — (550 ) Net capital contributions — — (2,343 ) 2,343 — Net change in due to affiliates — 10,680 6,622 (17,302 ) — Net cash provided by financing activities - continuing operations 10,281 10,680 10,300 (15,192 ) 16,069 Net cash provided by financing activities - discontinued operations — — 219 — 219 Net cash provided by financing activities 10,281 10,680 10,519 (15,192 ) 16,288 Net increase (decrease) in cash, cash equivalents and restricted cash — 1,251 (67 ) — 1,184 Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash — — 81 — 81 Cash, cash equivalents and restricted cash at beginning of period — 2,284 3,018 — 5,302 Cash, cash equivalents and restricted cash at end of period $ — $ 3,535 $ 3,032 $ — $ 6,567 Cash, cash equivalents and restricted cash from continuing operations at end of period $ — $ 3,535 $ 3,032 $ — $ 6,567 Cash, cash equivalents and restricted cash from discontinued operations at end of period $ — $ — $ — $ — $ — The following table provides a reconciliation of cash, cash equivalents and restricted cash reported within the consolidating balance sheet: General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash and cash equivalents $ — $ 3,535 $ 730 $ — $ 4,265 Restricted cash included in other assets — — 2,302 — 2,302 Total $ — $ 3,535 $ 3,032 $ — $ 6,567 CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2016 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 775 $ 704 $ 943 $ (1,765 ) $ 657 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 37 26 4,726 — 4,789 Accretion and amortization of loan and leasing fees — 17 (1,153 ) — (1,136 ) Amortization of carrying value adjustment — (3 ) (25 ) — (28 ) Undistributed earnings of non-consolidated affiliate, net (994 ) (771 ) (22 ) 1,765 (22 ) Provision for loan losses — 378 266 — 644 Deferred income taxes (334 ) (390 ) 732 — 8 Stock-based compensation expense 24 — 1 — 25 Other operating activities (299 ) 298 (148 ) — (149 ) Changes in assets and liabilities: Other assets 18 (347 ) (103 ) — (432 ) Accounts payable and accrued expenses 117 (438 ) 530 — 209 Taxes payable (1 ) — (4 ) — (5 ) Related party payables — — 1 — 1 Net cash (used in) provided by operating activities - continuing operations (657 ) (526 ) 5,744 — 4,561 Net cash provided by (used in) operating activities - discontinued operations — (9 ) 329 — 320 Net cash (used in) provided by operating activities (657 ) (535 ) 6,073 — 4,881 Cash flows from investing activities Purchases of retail finance receivables, net — (15,847 ) (16,464 ) 18,131 (14,180 ) Principal collections and recoveries on retail finance receivables — 1,542 8,357 — 9,899 Proceeds from transfer of retail finance receivables, net — 13,897 4,234 (18,131 ) — Net funding of commercial finance receivables — (191 ) (2,276 ) — (2,467 ) Purchases of leased vehicles, net — — (19,483 ) — (19,483 ) Proceeds from termination of leased vehicles — — 2,554 — 2,554 Purchases of property and equipment — (82 ) (11 ) — (93 ) Other investing activities — (169 ) 1 169 1 Net change in due from affiliates (8,966 ) (8,508 ) — 17,474 — Net change in investment in affiliates 339 787 — (1,126 ) — Net cash used in investing activities - continuing operations (8,627 ) (8,571 ) (23,088 ) 16,517 (23,769 ) Net cash provided by (used in) investing activities - discontinued operations — — (1,005 ) — (1,005 ) Net cash used in investing activities (8,627 ) (8,571 ) (24,093 ) 16,517 (24,774 ) Cash flows from financing activities Net change in debt (original maturities less than three months) 8 — (317 ) — (309 ) Borrowings and issuance of secured debt — — 27,548 (169 ) 27,379 Payments on secured debt — — (17,294 ) — (17,294 ) Borrowings and issuance of unsecured debt 10,320 — 1,914 — 12,234 Payments on unsecured debt (1,000 ) — (1,754 ) — (2,754 ) Borrowings on related party line of credit 418 — — — 418 Payments on related party line of credit (418 ) — — — (418 ) Debt issuance costs (44 ) — (87 ) — (131 ) Net capital contributions — — (1,126 ) 1,126 — Net change in due to affiliates — 9,071 8,403 (17,474 ) — Net cash provided by financing activities - continuing operations 9,284 9,071 17,287 (16,517 ) 19,125 Net cash provided by financing activities - discontinued operations — — 1,109 — 1,109 Net cash provided by financing activities 9,284 9,071 18,396 (16,517 ) 20,234 Net increase (decrease) in cash, cash equivalents and restricted cash — (35 ) 376 — 341 Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash — — (41 ) — (41 ) Cash, cash equivalents and restricted cash at beginning of period — 2,319 2,683 — 5,002 Cash, cash equivalents and restricted cash at end of period $ — $ 2,284 $ 3,018 $ — $ 5,302 Cash, cash equivalents and restricted cash from continuing operations at end of period $ — $ 2,284 $ 2,346 $ — $ 4,630 Cash, cash equivalents and restricted cash from discontinued operations at end of period $ — $ — $ 672 $ — $ 672 The following table provides a reconciliation of cash, cash equivalents and restricted cash reported within the consolidating balance sheet: General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash and cash equivalents $ — $ 2,284 $ 531 $ — $ 2,815 Restricted cash included in other assets — — 1,815 — 1,815 Total $ — $ 2,284 $ 2,346 $ — $ 4,630 CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2015 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 626 $ 609 $ 770 $ (1,520 ) $ 485 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 28 3 2,334 — 2,365 Accretion and amortization of loan and leasing fees — 25 (599 ) — (574 ) Amortization of carrying value adjustment — (14 ) (74 ) — (88 ) Undistributed earnings of non-consolidated affiliate, net (941 ) (579 ) (116 ) 1,520 (116 ) Provision for loan losses — 398 205 — 603 Deferred income taxes (169 ) 2 295 — 128 Stock-based compensation expense 33 — 4 — 37 Other operating activities 32 (5 ) (57 ) — (30 ) Changes in assets and liabilities: Other assets (3 ) 25 (396 ) — (374 ) Accounts payable and accrued expenses 100 531 (380 ) — 251 Taxes payable (12 ) 1 1 — (10 ) Related party taxes payable (636 ) — — — (636 ) Related party payable 1 — 5 — 6 Net cash (used in) provided by operating activities - continuing operations (941 ) 996 1,992 — 2,047 Net cash provided by operating activities - discontinued operations — — 121 — 121 Net cash (used in) provided by operating activities (941 ) 996 2,113 — 2,168 Cash flows from investing activities Purchases of retail finance receivables, net — (13,997 ) (13,369 ) 13,461 (13,905 ) Principal collections and recoveries on retail finance receivables — 755 7,793 — 8,548 Proceeds from transfer of retail finance receivables, net — 10,428 3,033 (13,461 ) — Net funding of commercial finance receivables — 6 (869 ) — (863 ) Purchases of leased vehicles, net — — (15,276 ) — (15,276 ) Proceeds from termination of leased vehicles — — 1,095 — 1,095 Acquisition of equity interest (513 ) (536 ) — — (1,049 ) Disposition of equity interest — 125 — — 125 Purchases of property and equipment — (21 ) (52 ) — (73 ) Other investing activities — — 15 — 15 Net change in due from affiliates (9,764 ) (5,593 ) — 15,357 — Net change in investment in affiliates 42 (1,893 ) — 1,851 — Net cash used in investing activities - continuing operations (10,235 ) (10,726 ) (17,630 ) 17,208 (21,383 ) Net cash provided by (used in) investing activities - discontinued operations 897 — (650 ) (897 ) (650 ) Net cash used in investing activities (9,338 ) (10,726 ) (18,280 ) 16,311 (22,033 ) Cash flows from financing activities Net change in debt (original maturities less than three months) — — (21 ) — (21 ) Borrowings and issuance of secured debt — — 19,203 — 19,203 Payments on secured debt — — (11,503 ) — (11,503 ) Borrowings and issuance of unsecured debt 9,687 — 2,356 — 12,043 Payments on unsecured debt — — (1,652 ) — (1,652 ) Debt issuance costs (58 ) — (76 ) — (134 ) Net capital contribution 649 — 1,851 (1,851 ) 649 Other 1 — — — 1 Net change in due to affiliates — 9,751 5,606 (15,357 ) — Net cash provided by financing activities - continuing operations 10,279 9,751 15,764 (17,208 ) 18,586 Net cash provided by financing activities - discontinued operations — 15 619 897 1,531 Net cash provided by financing activities 10,279 9,766 16,383 (16,311 ) 20,117 Net increase in cash, cash equivalents and restricted cash — 36 216 — 252 Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash — — (295 ) — (295 ) Cash, cash equivalents and restricted cash at beginning of period — 2,283 2,762 — 5,045 Cash, cash equivalents and restricted cash at end of period $ — $ 2,319 $ 2,683 $ — $ 5,002 Cash, cash equivalents and restricted cash from continuing operations at end of period $ — $ 2,319 $ 1,939 $ — $ 4,258 Cash, cash equivalents and restricted cash from discontinued operations at end of period $ — $ — $ 744 $ — $ 744

Summary of Significant Accoun30

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2017
Accounting Policies [Abstract]
Merger	We acquired Ally Financial's auto finance and financial services operations in Europe and Latin America in 2013. Additionally, on January 2, 2015, we acquired an equity interest in SAIC-GMAC, a joint venture that conducts business in China, from Ally Financial. On October 31, 2017, we completed the sale of certain of our European subsidiaries and branches (collectively, our European Operations) to Banque PSA Finance S.A. and BNP Paribas Personal Finance S.A. The European Operations are presented as discontinued operations in our consolidated financial statements for all periods presented. The assets and liabilities of the European Operations are presented as held for sale in our consolidated financial statements as of December 31, 2016. Refer to Note 2 for additional details regarding our disposal of these operations. Unless otherwise indicated, information in these notes to the consolidated financial statements relates to our continuing operations.
Basis of Presentation	Basis of Presentation The consolidated financial statements include our accounts and the accounts of our consolidated subsidiaries, including certain SPEs utilized in secured financing transactions, which are considered VIEs. All intercompany transactions and accounts have been eliminated in consolidation. Except as otherwise specified, dollar amounts presented within tables are stated in millions. The preparation of financial statements in conformity with accounting principles generally accepted in the U.S. requires management to make estimates and assumptions which affect the reported amounts of assets and liabilities and the disclosures of contingent assets and liabilities as of the date of the financial statements and the amount of revenue and expenses during the reporting periods. Actual results could differ from those estimates and those differences may be material. Generally, the financial statements of entities that operate outside of the U.S. are measured using the local currency as the functional currency. All assets and liabilities of the foreign subsidiaries are translated into U.S. dollars at period-end exchange rates and the results of operations and cash flows are determined using approximate weighted-average exchange rates for the period. Translation adjustments are related to the foreign subsidiaries using local currency as their functional currency and are reported as a separate component of accumulated other comprehensive income/loss. Foreign currency transaction gains or losses are recorded directly to the consolidated statements of income and comprehensive income, regardless of whether such amounts are realized or unrealized. We may enter into foreign currency derivatives to mitigate our exposure to changes in foreign currency exchange rates.
Cash Equivalents	Cash Equivalents Cash equivalents are defined as short-term, highly liquid investments with original maturities of 90 days or less.
Net Presentation of Cash Flows on Commercial Finance Receivables and Related Debt	Net Presentation of Cash Flows on Commercial Finance Receivables and Related Debt Our commercial finance receivables are primarily comprised of floorplan financing, which are loans to dealers to finance vehicle inventory, also known as wholesale or inventory financing. In our experience, these loans are typically repaid within 90 days of when the credit is extended. Furthermore, we typically have the unilateral ability to call the loans and receive payment within 60 days of the call. Therefore, the presentation of the cash flows related to commercial finance receivables are reflected on the consolidated statements of cash flows as "Net funding of commercial finance receivables." We have revolving debt agreements to finance our commercial lending activities. The revolving period of these agreements ranges from 12 to 18 months; however, the terms of these financing agreements require that a borrowing base of eligible floorplan receivables, within certain concentration limits, must be maintained in sufficient amounts to support advances. When a dealer repays a floorplan receivable to us, either the amount advanced against such receivables must be repaid by us or the equivalent amount in new receivables must be added to the borrowing base. Despite the revolving term exceeding 90 days , the actual term for repayment of advances under these agreements is when we receive repayment from the dealers, which is typically within 90 days of when the credit is extended. Therefore, the cash flows related to these revolving debt agreements are reflected on the consolidated statements of cash flows as “Net change in debt (original maturities less than three months).”
Retail Finance Receivables and the Allowance for Loan Losses	Retail Finance Receivables and the Allowance for Loan Losses Our retail finance receivables portfolio consists of smaller-balance, homogeneous loans which are carried at amortized cost, net of allowance for loan losses. These loans are divided among pools based on common risk characteristics, such as internal credit score, origination period, delinquent status and geography. An internal credit score, of which FICO is an input in North America, is created by using algorithms or statistical models contained in origination scorecards. The scorecards are used to evaluate a consumer’s ability to pay based on statistical modeling of their prior credit usage, structure of the loan and other information. The output of the scorecards rank-order consumers from those that are most likely to pay to those that are least likely to pay. By further dividing the portfolio into pools based on internal credit scores we are better able to distinguish expected credit performance for different credit risks. These pools are collectively evaluated for impairment based on a statistical calculation, which is supplemented by management judgment. The allowance is aggregated for each of the pools. Provisions for loan losses are charged to operations in amounts sufficient to maintain the allowance for loan losses at levels considered adequate to cover probable losses inherent in our finance receivables. We use a combination of forecasting methodologies to determine the allowance for loan losses, including roll rate modeling and static pool modeling techniques. A roll rate model is generally used to project near-term losses and static pool models are generally used to project losses over the remaining life. Probable losses are estimated for groups of accounts aggregated by past-due status and origination month. Generally, loss experience over the last 10 years is evaluated. Recent performance is more heavily weighted when determining the allowance to result in an estimate that is more reflective of the current internal and external environments. Factors that are considered when estimating the allowance include historical delinquency migration to loss, probability of default (PD) and loss given default (LGD). PD and LGD are specifically estimated for each monthly vintage (i.e., group of originations) in cases where vintage models are used. PD is estimated based on expectations that are aligned with internal credit scores. LGD is projected based on historical trends experienced over the last 10 years, weighted toward more recent performance in order to consider recent market supply and demand factors that impact wholesale used vehicle pricing. While forecasted probable losses are quantitatively derived, we assess the recent internal operating and external environments and may qualitatively adjust certain assumptions to result in an allowance that is more reflective of losses that are expected to occur in the current environment. We also use historical charge-off experience to determine a loss confirmation period (LCP). The LCP is a key assumption within our models and represents the average amount of time between when a loss event first occurs to when the receivable is charged off. This LCP is the basis of our allowance and is applied to the forecasted probable credit losses to determine the amount of losses we believe exist at the balance sheet date. We believe these factors are relevant in estimating incurred losses and also consider an evaluation of overall portfolio credit quality based on indicators such as changes in our credit evaluation, underwriting and collection management policies, changes in the legal and regulatory environment, general economic conditions and business trends and uncertainties in forecasting and modeling techniques used in estimating our allowance. We update our retail loss forecast models and portfolio indicators on a quarterly basis to incorporate information reflective of the current economic environment. Assumptions regarding credit losses and LCPs are reviewed periodically and may be impacted by actual performance of finance receivables and changes in any of the factors discussed above. Should the credit loss assumption or LCP increase, there would be an increase in the amount of allowance for loan losses required, which would decrease the net carrying value of finance receivables and increase the amount of provision for loan losses. Finance receivables that are considered impaired, including TDRs, are individually evaluated for impairment. In assessing the risk of individually impaired loans such as TDRs, among the factors we consider are the financial condition of the borrower, geography, collateral performance, historical loss experience, and industry-specific information that management believes is relevant in determining the occurrence of a loss event and measuring impairment. These factors are based on an evaluation of historical and current information, and involve subjective assessment and interpretation.
Commercial Finance Receivables and the Allowance for Loan Losses	Commercial Finance Receivables and the Allowance for Loan Losses Our commercial lending offerings consist of floorplan financing as well as dealer loans, which are loans to finance improvements to dealership facilities, to provide working capital, and to purchase and/or finance dealership real estate. Commercial finance receivables are carried at amortized cost, net of allowance for loan losses. Provisions for loan losses are charged to operations in amounts sufficient to maintain the allowance for loan losses at levels considered adequate to cover probable credit losses inherent in the commercial finance receivables. For the International Segment, we established the allowance for loan losses based on historical loss experience. We have less of a history of commercial lending in the North America Segment; therefore, we have performed an analysis of the experience of comparable commercial lenders in order to estimate probable credit losses inherent in our portfolio. The commercial finance receivables are aggregated into loan-risk pools, which are determined based on our internally-developed risk rating system. Based upon our risk ratings, we also determine if any specific dealer loan is considered impaired. If impaired loans are identified, specific reserves are established, as appropriate, and the loan is segregated for separate monitoring.
Charge-off Policy	Charge-off Policy Our policy is to charge off a retail account in the month in which the account becomes 120 days contractually delinquent if we have not yet recorded a repossession charge-off. In the North America Segment, we charge off accounts in repossession when the automobile is repossessed and legally available for disposition. In the International Segment, we charge off accounts based on the number of days past due or when the automobile is repossessed. Commercial finance receivables are individually evaluated and, where collectability of the recorded balance is in doubt, are written down to the fair value of the collateral less costs to sell. Commercial receivables are charged off at the earlier of when they are deemed uncollectible or reach 360 days past due.
Troubled Debt Restructurings	Troubled Debt Restructurings In evaluating whether a loan modification constitutes a TDR, our policy for retail loans is that both of the following must exist: (i) the modification constitutes a concession; and (ii) the debtor is experiencing financial difficulties. In accordance with our policies and guidelines, we, at times, offer payment deferrals to customers. Each deferral allows the consumer to move up to two delinquent monthly payments to the end of the loan generally by paying a fee (approximately the interest portion of the payment deferred, except where state law provides for a lesser amount). A loan that is deferred two or more times would be considered significantly delayed and therefore meets the definition of a concession. A loan currently in payment default as the result of being delinquent would also represent a debtor experiencing financial difficulties. Therefore, considering these two factors, we have determined that the second deferment granted by us on a retail loan will be considered a TDR and the loan impaired. Accounts in Chapter 13 bankruptcy that have an interest rate or principal adjustment as part of a confirmed bankruptcy plan will also be considered TDRs. Retail finance receivables that become classified as TDRs are separately assessed for impairment. A specific allowance is estimated based on the present value of expected cash flows of the receivable discounted at the loan's original effective interest rate. Commercial receivables subject to forbearance, moratoriums, extension agreements, or other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral are classified as TDRs. We do not grant concessions on the principal balance of dealer loans.
Leased Vehicles	Leased Vehicles Leased vehicles consist of automobiles leased to customers and are carried at amortized cost less manufacturer subvention payments, which are received up front. Depreciation expense is recorded on a straight-line basis over the term of the lease agreement. Manufacturer subvention is recognized on a straight-line basis as a reduction to depreciation expense. We estimate the expected residual value based on third party data which considers inputs including recent auction values, the expected future volume of returning leased vehicles, used car prices, manufacturer incentive programs and fuel prices. Leased vehicles are depreciated to the estimated residual value at the end of the lease term. Changes in the expected residual value result in increased or decreased depreciation of the leased asset over the remaining term of the lease. Upon disposition, a gain or loss is recorded for any difference between the net book value of the lease and the proceeds from the disposition of the asset, including any insurance proceeds. Under the accounting for impairment or disposal of long-lived assets, vehicles on operating leases are evaluated by asset group for impairment. We aggregate leased vehicles into asset groups based on make, year and model. When asset group indicators of impairment exist and aggregate future cash flows from the operating lease, including the expected realizable fair value of the leased assets at the end of the lease, are less than the book value of the lease asset group, an immediate impairment write-down is recognized if the difference is deemed not recoverable.
Variable Interest Entities - Securitizations and Credit Facilities	Variable Interest Entities – Securitizations and Credit Facilities We finance our loan and lease origination volume through the use of our credit facilities and execution of securitization transactions, which both utilize SPEs. In our credit facilities, we transfer finance receivables and lease-related assets to SPEs. These subsidiaries, in turn, issue notes to the agents, collateralized by such assets and cash. The agents provide funding under the notes to the subsidiaries pursuant to an advance formula, and the subsidiaries forward the funds to us in consideration for the transfer of the assets. In our securitizations, we transfer finance receivables and lease-related assets to SPEs structured as securitization trusts (Trusts), which issue one or more classes of asset-backed securities. The asset-backed securities are in turn sold to investors. Our continuing involvement with the credit facilities and Trusts consist of servicing assets held by the SPEs and holding residual interests in the SPEs. These transactions are structured without recourse. The SPEs are considered VIEs under U.S. GAAP and are consolidated because we have: (i) power over the significant activities of the entities and (ii) an obligation to absorb losses and the right to receive benefits from the VIEs which could be significant to the VIEs. Accordingly, we are the primary beneficiary of the VIEs and the finance receivables, lease-related assets, borrowings under our credit facilities and, following a securitization, the related securitization notes payable remain on the consolidated balance sheets. Refer to Note 4 , Note 8 and Note 9 for further information. We are not required, and do not currently intend, to provide any additional financial support to SPEs. While these subsidiaries are included in our consolidated financial statements, these subsidiaries are separate legal entities and the finance receivables, lease-related assets and cash held by these subsidiaries are legally owned by them and are not available to our creditors or creditors of our other subsidiaries. We recognize finance charge, lease vehicle and fee income on the securitized assets and interest expense on the secured debt issued in securitization transactions, and record a provision for loan losses to recognize probable loan losses inherent in the securitized assets. Cash pledged to support securitization transactions is deposited to a restricted account and recorded on our consolidated balance sheets as restricted cash, which is invested in highly liquid securities with original maturities of 90 days or less.
Property and Equipment	Property and Equipment Property and equipment additions are carried at amortized cost. Depreciation is generally provided on a straight-line basis over the estimated useful lives of the assets, which ranges from 1 to 30 years. The basis of assets sold or retired and the related accumulated depreciation are removed from the accounts at the time of disposition and any resulting gain or loss is included in other operating expenses. Maintenance, repairs and minor replacements are charged to operations as incurred; major replacements and improvements are capitalized.
Goodwill	Goodwill Goodwill is tested for impairment annually on October 1 or when events occur or circumstances change that would trigger such a review. A two-step impairment test is used to identify potential goodwill impairment. Impairment exists when the carrying amount of goodwill exceeds its implied fair value. When performing our goodwill impairment testing, the fair values of our reporting units are determined based on valuation techniques using the best available information, primarily discounted cash flow projections.
Derivative Financial Instruments	Derivative Financial Instruments We recognize all of our derivative financial instruments as either assets or liabilities on our consolidated balance sheets at fair value. We do not use derivative financial instruments for trading or speculative purposes. Interest rate risk management contracts are generally expressed in notional principal or contract amounts that are much larger than the amounts potentially at risk for nonpayment by counterparties. Therefore, in the event of nonperformance by the counterparties, our credit exposure is limited to the uncollected interest and the market value related to the contracts that have become favorable to us. We maintain a policy of requiring that all derivative contracts be governed by an International Swaps and Derivatives Association Master Agreement. We enter into derivative contracts and establish risks limits with counterparties that we believe are creditworthy and generally settle on a net basis. In addition, management performs a quarterly assessment of our counterparty credit risk, including a review of credit ratings, credit default swap rates and potential nonperformance of the counterparty. Interest Rate Swap Agreements We utilize interest rate swap agreements to convert certain floating rate exposures to fixed rate or certain fixed-rate exposures to floating rate in order to manage our interest rate exposure. Cash flows from derivatives used to manage interest rate risk are classified as operating activities. We designate certain pay-fixed, receive-floating interest rate swaps as cash flow hedges of variable rate debt. The risk being hedged is the risk of variability in interest payments attributable to changes in interest rates. If the hedge relationship is deemed to be highly effective, we record the effective portion of changes in the fair value of the hedge in accumulated other comprehensive income/loss. When the hedged cash flows affect earnings, we reclassify these amounts to interest expense. Any ineffective portion of a cash flow hedge is recorded to interest expense immediately. We designate certain receive-fixed, pay-floating interest rate swaps as fair value hedges of fixed-rate debt. The risk being hedged is the risk of changes in the fair value of the hedged debt attributable to changes in the benchmark interest rate. If the hedge relationship is deemed to be highly effective, we record the changes in the fair value of the hedged debt related to the risk being hedged in interest expense. The change in fair value of the related derivative (excluding accrued interest) is also recorded in interest expense. Interest Rate Cap and Floor Agreements We may purchase interest rate cap and floor agreements to limit floating rate exposures in our credit facilities. As part of our interest rate risk management strategy and when economically feasible, we may simultaneously sell a corresponding interest rate cap or floor agreement in order to offset the premium paid to purchase the interest rate cap or floor agreement and thus retain the interest rate risk. Because the interest rate cap and floor agreements entered into by us or our SPEs do not qualify for hedge accounting, changes in the fair value of interest rate cap and floor agreements purchased by the SPEs and interest rate cap and floor agreements sold by us are recorded in interest expense. Foreign Currency Swaps Our policy is to minimize exposure to changes in currency exchange rates. To meet funding objectives, we borrow in a variety of currencies. We face exposure to currency exchange rates when the currency of our earning assets differs from the currency of the debt funding those assets. When possible, we fund earning assets with debt in the same currency, minimizing exposure to exchange rate movements. When a different currency is used, we may use foreign currency swaps to convert our debt obligations to the local currency of the earning assets being financed. We designate certain cross-currency swaps as cash flow hedges of foreign currency-denominated debt. The risk being hedged is the variability in the cash flows for the payments of both principal and interest attributable to changes in foreign currency exchange rates. If the hedge relationship is deemed to be highly effective, we record the effective portion of changes in the fair value of the swap in accumulated other comprehensive income/loss. When the hedged cash flows affect earnings via principal remeasurement or accrual of interest expense, we reclassify these amounts to other operating expenses or interest expense. Any ineffective portion of a cash flow hedge is recorded to interest expense immediately.
Fair Value	Fair Value Financial instruments are considered Level 1 when quoted prices are available in active markets for identical assets or liabilities as of the reporting date. Active markets are those in which transactions for the asset or liability occur in sufficient frequency and volume to provide pricing information on an ongoing basis. Financial instruments are considered Level 2 when inputs other than quoted prices are observable for the asset or liability, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets and quoted prices for identical or similar assets or liabilities in markets that are not active. Financial instruments are considered Level 3 when their values are determined using price models, discounted cash flow methodologies or similar techniques and at least one significant model assumption or input is unobservable. Level 3 financial instruments also include those for which the determination of fair value requires significant management judgment or estimation.
Income Taxes	Income Taxes We account for income taxes on a separate return basis using an asset and liability method which requires the recognition of deferred tax assets and liabilities for the expected future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis, net operating loss and tax credit carryforwards. A valuation allowance is recognized if it is more likely than not that some portion or the entire deferred tax asset will not be realized. We record uncertain tax positions on the basis of a two-step process whereby: (i) we determine whether it is more likely than not that the tax positions will be sustained based on the technical merits of the position; and (ii) for those tax positions that meet the more likely than not recognition, we recognize the largest amount of tax benefit that is greater than 50% likely to be realized upon ultimate settlement with the related tax authority. We record interest and penalties on uncertain tax positions in income tax provision.
Revenue Recognition	Revenue Recognition Finance charge income related to retail finance receivables is recognized using the effective interest method. Fees and commissions received and direct costs of originating loans are generally deferred and amortized over the term of the related finance receivables using the effective interest method and are removed from the consolidated balance sheets when the related finance receivables are sold, charged off or paid in full. Accrual of finance charge income is suspended on accounts that are more than 60 days delinquent, accounts in bankruptcy and accounts in repossession. Interest accrual resumes once an account has received payments bringing the delinquency status to less than 60 days past due or, for TDRs, when repayment is reasonably assured based on the modified terms of the loan. Finance charge income related to commercial finance receivables is recognized using the effective interest method. Accrual of finance charge income is generally suspended on accounts that are more than 90 days delinquent, upon receipt of a bankruptcy notice from a borrower, or where reasonable doubt about the full collectability of contractually agreed upon principal and interest exists. Payments received on non-accrual loans are first applied to principal. Interest accrual resumes once an account has received payments bringing the account status fully current and collection of contractual principal and interest is reasonably assured (including amounts previously charged off). Operating lease rental income for leased vehicles is recognized on a straight-line basis over the lease term. Net deferred origination fees or costs are amortized on a straight-line basis over the term of the lease agreement.
Parent Company Stock-Based Compensation	Parent Company Stock-Based Compensation We measure and record compensation expense for parent company stock-based compensation awards based on the award's estimated fair value. We record compensation expense over the applicable vesting period of an award. Refer to Note 13 for further information.
Recently Adopted Accounting Standards and Recent Accounting Pronouncements	Recently Issued Accounting Standards Not Yet Adopted In May 2014 the FASB issued ASU 2014-09, “Revenue from Contracts with Customers” (ASU 2014-09), which requires us to recognize revenue when a customer obtains control rather than when we have transferred substantially all risks and rewards of a good or service and requires expanded disclosures. ASU 2014-09, as amended, became effective for us on January 1, 2018. The adoption of ASU 2014-09 on January 1, 2018 was not material to our consolidated financial statements. In February 2016 the 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. While we are currently assessing the impact ASU 2016-02 will have on our consolidated financial statements, we expect the primary impact to our consolidated financial position upon adoption will be the recognition, on a discounted basis, of our minimum commitments under noncancelable operating leases on our consolidated balance sheets resulting in the recording of right of use assets and lease obligations. Our current minimum commitments under noncancelable operating leases are disclosed in Note 11 . In June 2016 the FASB issued ASU 2016-13, "Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments" (ASU 2016-13), which requires entities to use a new impairment model based on expected losses. Under this new model an entity would recognize an impairment allowance equal to its current estimate of credit losses on financial assets measured at amortized cost. ASU 2016-13 is effective for us beginning January 1, 2020 with early adoption permitted January 1, 2019. Credit losses under the new model will consider relevant information about past events, current conditions and reasonable and supportable forecasts, resulting in recognition of lifetime expected credit losses upon loan origination as compared to our current accounting that recognizes credit losses as incurred. We are currently evaluating new processes to calculate credit losses in accordance with ASU 2016-13 that, once completed, will determine the impact on our consolidated financial statements, which at the date of adoption will increase the allowance for credit losses with a resulting negative adjustment to retained earnings. In August 2017, the Financial Accounting Standards Board (FASB) issued Accounting Standard Update 2017-12, "Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities" (ASU 2017-12), which simplifies the application of hedge accounting and more closely aligns hedge accounting with companies' risk management strategies thereby making more hedging strategies eligible for hedge accounting. ASU 2017-12 became effective for us on January 1, 2018. ASU 2017-12 expanded disclosure requirements and required a cumulative-effect adjustment for certain items upon adoption. The adoption of ASU 2017-12 was not material to our consolidated financial statements.

Discontinued Operations (Tables

Discontinued Operations (Tables)	12 Months Ended
	Dec. 31, 2017
Discontinued Operations and Disposal Groups [Abstract]
Disposal Groups, Including Discontinued Operations	The following table summarizes the assets and liabilities of the European Operations at December 31, 2016: December 31, 2016 ASSETS Cash and cash equivalents $ 386 Finance receivables, net 9,715 Related party receivables 163 Other assets 687 Total assets held for sale $ 10,951 LIABILITIES Secured debt $ 4,183 Unsecured debt 5,130 Related party payables 80 Other liabilities 300 Total liabilities held for sale $ 9,693 The following table summarizes the results of operations of the European Operations: Years Ended December 31, 2017 2016 2015 Total revenue $ 474 $ 574 $ 588 Interest expense 79 136 156 Other expenses 263 287 273 Total costs and expenses 342 423 429 Income from discontinued operations before income taxes 132 151 159 Loss on sale of discontinued operations before income taxes 525 — — (Loss) income from discontinued operations before income taxes (393 ) 151 159 Income tax provision (benefit) 31 54 (2 ) (Loss) income from discontinued operations, net of tax $ (424 ) $ 97 $ 161

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2017
Related Party Transactions [Abstract]
Schedule of Related Party Transactions	The following tables present related party transactions: Balance Sheet Data December 31, 2017 December 31, 2016 Commercial finance receivables, net due from dealers consolidated by GM (a) $ 355 $ 347 Direct-financing lease receivables from Maven (a) $ 88 $ — Subvention receivable (b) $ 306 $ 347 Commercial loan funding payable (c) $ 90 $ 320 Income Statement Data Years Ended December 31, 2017 2016 2015 Interest subvention earned on retail finance receivables (d) $ 438 $ 337 $ 235 Interest subvention earned on commercial finance receivables (d) $ 54 $ 50 $ 54 Leased vehicle subvention earned (e) $ 3,046 $ 2,232 $ 999 _________________ (a) Included in finance receivables, net. (b) Included in related party receivables. We received subvention payments from GM of $4.3 billion , $4.2 billion and $3.5 billion during 2017 , 2016 and 2015 . (c) Included in related party payables. (d) Included in finance charge income. (e) Included as a reduction to leased vehicle expenses.

Finance Receivables (Tables)

Finance Receivables (Tables)	12 Months Ended
	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance Receivables Portfolio	December 31, 2017 December 31, 2016 Retail finance receivables Retail finance receivables, collectively evaluated for impairment, net of fees $ 30,574 $ 24,480 Retail finance receivables, individually evaluated for impairment, net of fees 2,228 1,920 Total retail finance receivables (a) 32,802 26,400 Less: allowance for loan losses - collective (561 ) (489 ) Less: allowance for loan losses - specific (328 ) (276 ) Total retail finance receivables, net 31,913 25,635 Commercial finance receivables Commercial finance receivables, collectively evaluated for impairment, net of fees 10,290 7,853 Commercial finance receivables, individually evaluated for impairment, net of fees 22 27 Total commercial finance receivables 10,312 7,880 Less: allowance for loan losses - collective (50 ) (36 ) Less: allowance for loan losses - specific (3 ) (4 ) Total commercial finance receivables, net 10,259 7,840 Total finance receivables, net $ 42,172 $ 33,475 Fair value of finance receivables $ 42,178 $ 33,528 ________________ (a) Net of unearned income, unamortized premiums and discounts, and deferred fees and costs of $228 million and $178 million at December 31, 2017 and 2016 .
Summary of Finance Receivables	Retail Finance Receivables Years ended December 31, 2017 2016 2015 Retail finance receivables beginning balance $ 26,400 $ 22,397 $ 18,859 Purchases 19,920 14,468 13,919 Principal collections and other (12,428 ) (9,508 ) (7,891 ) Charge-offs (1,171 ) (1,136 ) (966 ) Foreign currency translation 81 179 (1,524 ) Retail finance receivables ending balance $ 32,802 $ 26,400 $ 22,397
Allowance for Credit Losses on Financing Receivables	A summary of the activity in the allowance for retail loan losses is as follows: Years ended December 31, 2017 2016 2015 Allowance for retail loan losses beginning balance $ 765 $ 713 $ 638 Provision for loan losses 742 640 592 Charge-offs (1,171 ) (1,136 ) (966 ) Recoveries 552 542 469 Foreign currency translation 1 6 (20 ) Allowance for retail loan losses ending balance $ 889 $ 765 $ 713
Past Due Financing Receivables	The following is a consolidated summary of the contractual amounts of delinquent retail finance receivables, which is not significantly different than the recorded investment for such receivables. December 31, 2017 December 31, 2016 Amount Percent of Contractual Amount Due Amount Percent of Contractual Amount Due 31 - 60 days $ 1,334 4.1 % $ 1,220 4.6 % Greater than 60 days 559 1.7 532 2.0 Total finance receivables more than 30 days delinquent 1,893 5.8 1,752 6.6 In repossession 27 — 47 0.2 Total finance receivables more than 30 days delinquent or in repossession $ 1,920 5.8 % $ 1,799 6.8 %
Troubled Debt Restructurings on Financing Receivables	The outstanding recorded investment for retail finance receivables that are considered to be TDRs and the related allowance is presented below: December 31, 2017 December 31, 2016 Outstanding recorded investment $ 2,228 $ 1,920 Less: allowance for loan losses (328 ) (276 ) Outstanding recorded investment, net of allowance $ 1,900 $ 1,644 Unpaid principal balance $ 2,266 $ 1,967 Additional information about loans classified as TDRs is presented below: Years Ended December 31, 2017 2016 2015 Average outstanding recorded investment $ 2,074 $ 1,766 $ 1,455 Finance charge income recognized $ 228 $ 205 $ 164 Number of loans classified as TDRs during the period 74,784 66,926 58,012 Recorded investment of loans classified as TDRs during the period $ 1,309 $ 1,148 $ 982
Activity in Commercial Finance Receivables Portfolio	Commercial Finance Receivables Years Ended December 31, 2017 2016 2015 Commercial finance receivables beginning balance $ 7,880 $ 5,392 $ 4,884 Net funding 2,356 2,534 848 Charge-offs (2 ) (1 ) (3 ) Foreign currency translation 78 (45 ) (337 ) Commercial finance receivables ending balance $ 10,312 $ 7,880 $ 5,392
Retail Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable Credit Quality Indicators	A summary of the credit risk profile by FICO score band or equivalent scores, determined at origination, of the retail finance receivables is as follows: December 31, 2017 December 31, 2016 Amount Percent Amount Percent Prime - FICO Score 680 and greater $ 16,892 51.5 % $ 11,417 43.2 % Near-prime - FICO Score 620 to 679 5,226 15.9 4,222 16.0 Sub-prime - FICO Score less than 620 10,684 32.6 10,761 40.8 Balance at end of period $ 32,802 100.0 % $ 26,400 100.0 %
Commercial Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable Credit Quality Indicators	The following table summarizes the credit risk profile by dealer risk rating of commercial finance receivables: December 31, 2017 December 31, 2016 Amount Percent Amount Percent Group I - Dealers with superior financial metrics $ 1,915 18.6 % $ 1,389 17.6 % Group II - Dealers with strong financial metrics 3,584 34.7 2,661 33.8 Group III - Dealers with fair financial metrics 3,424 33.2 2,775 35.2 Group IV - Dealers with weak financial metrics 1,048 10.2 631 8.0 Group V - Dealers warranting special mention due to elevated risks 260 2.5 334 4.2 Group VI - Dealers with loans classified as substandard, doubtful or impaired 81 0.8 90 1.2 Balance at end of period $ 10,312 100.0 % $ 7,880 100.0 %

Leased Vehicles (Tables)

Leased Vehicles (Tables)	12 Months Ended
	Dec. 31, 2017
Property Subject to or Available for Operating Lease, Net [Abstract]
Summary of Leased Vehicles	December 31, 2017 December 31, 2016 Leased vehicles $ 62,203 $ 48,340 Manufacturer subvention (9,468 ) (7,686 ) 52,735 40,654 Less: accumulated depreciation (9,853 ) (6,312 ) Leased vehicles, net $ 42,882 $ 34,342
Summary of Changes in Leased Vehicles	A summary of the changes in our leased vehicles is as follows: Years Ended December 31, 2017 2016 2015 Balance at beginning of period $ 40,654 $ 22,913 $ 8,238 Leased vehicles purchased 25,421 25,221 20,128 Terminated leases (11,160 ) (4,089 ) (1,783 ) Leased vehicles returned - default (627 ) (358 ) (120 ) Manufacturer subvention on leased vehicles purchased (3,799 ) (3,777 ) (3,431 ) Manufacturer subvention on terminated leases 2,055 678 266 Foreign currency translation 191 66 (385 ) Balance at end of period $ 52,735 $ 40,654 $ 22,913
Schedule of Future Minimum Rental Payments Due	The following table summarizes minimum rental payments due to us as lessor under operating leases: Years Ending December 31, 2018 2019 2020 2021 2022 Total Minimum rental payments under operating leases $ 6,848 $ 4,530 $ 1,759 $ 189 $ 12 $ 13,338

Goodwill (Tables)

Goodwill (Tables)	12 Months Ended
	Dec. 31, 2017
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill	The following table summarizes the changes in the carrying amounts of goodwill by segment: Years ended December 31, 2017 2016 2015 North America International Total North America International Total North America International Total Beginning balance $ 1,105 $ 91 $ 1,196 $ 1,105 $ 84 $ 1,189 $ 1,106 $ 138 $ 1,244 Foreign currency translation — 1 1 — 7 7 (1 ) (54 ) (55 ) Ending balance $ 1,105 $ 92 $ 1,197 $ 1,105 $ 91 $ 1,196 $ 1,105 $ 84 $ 1,189

Equity in Net Assets of Non-c36

Equity in Net Assets of Non-consolidated Affiliates (Tables)	12 Months Ended
	Dec. 31, 2017
Equity Method Investments and Joint Ventures [Abstract]
Summarized Financial Information for SAIC-GMAC	Summarized Balance Sheet Data (a) : December 31, 2017 December 31, 2016 Finance receivables, net $ 13,459 $ 10,408 Total assets $ 16,198 $ 11,089 Debt $ 9,349 $ 6,681 Total liabilities $ 13,807 $ 9,330 Years Ended December 31, Summarized Operating Data (a) : 2017 2016 2015 Finance charge income $ 1,053 $ 940 $ 971 Provision for loan losses $ (6 ) $ 18 $ 45 Interest expense $ 337 $ 257 $ 338 Income before income taxes $ 661 $ 570 $ 463 Net income $ 496 $ 428 $ 347 _________________ (a) This data represents that of the entire entity and not our 35% proportionate share.

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2017
Debt Disclosure [Abstract]
Schedule of Debt	December 31, 2017 December 31, 2016 Carrying Amount Fair Value Carrying Amount Fair Value Secured debt Revolving credit facilities $ 4,694 $ 4,713 $ 8,503 $ 8,498 Securitization notes payable 35,193 35,235 26,584 26,664 Total secured debt 39,887 39,948 35,087 35,162 Unsecured debt Senior notes 36,820 37,969 26,737 27,304 Credit facilities 2,368 2,375 1,961 1,961 Other unsecured debt 1,642 1,645 778 780 Total unsecured debt 40,830 41,989 29,476 30,045 Total secured and unsecured debt $ 80,717 $ 81,937 $ 64,563 $ 65,207 Fair value utilizing Level 2 inputs $ 79,623 $ 62,951 Fair value utilizing Level 3 inputs $ 2,314 $ 2,256
Schedule of Maturities of Long-term Debt	The following table presents the expected scheduled principal and interest payments under our contractual debt obligations: Years Ending December 31, 2018 2019 2020 2021 2022 Thereafter Total Secured debt $ 19,348 $ 12,406 $ 6,203 $ 1,775 $ 227 $ — $ 39,959 Unsecured debt 5,154 6,083 8,493 6,027 5,096 10,477 41,330 Interest payments 2,373 1,653 1,149 787 532 1,144 7,638 $ 26,875 $ 20,142 $ 15,845 $ 8,589 $ 5,855 $ 11,621 $ 88,927

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	12 Months Ended
	Dec. 31, 2017
Securitization and Credit Facility VIE [Member]
Variable Interest Entity [Line Items]
Summary of Consolidated VIEs Assets and Liabilities	The following table summarizes the assets and liabilities related to our consolidated VIEs: December 31, 2017 December 31, 2016 Restricted cash (a) $ 2,267 $ 1,780 Finance receivables, net of fees $ 28,364 $ 24,644 Lease related assets $ 22,222 $ 19,341 Secured debt $ 39,328 $ 34,185 _______________ (a) Included in other assets.

Derivative Financial Instrume39

Derivative Financial Instruments and Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2017
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments	December 31, 2017 December 31, 2016 Level Notional Fair Value Notional Fair Value Derivatives designated as hedges Assets Fair value hedges Interest rate swaps 2 $ 1,250 $ 2 $ — $ — Cash flow hedges Interest rate swaps 2,3 2,177 15 3,070 12 Foreign currency swaps 2 1,574 103 — — Total assets (a) $ 5,001 $ 120 $ 3,070 $ 12 Liabilities Fair value hedges Interest rate swaps 2 $ 9,860 $ 290 $ 7,700 $ 276 Cash flow hedges Interest rate swaps 2,3 — — 500 1 Foreign currency swaps 2 — — 791 33 Total liabilities (b) $ 9,860 $ 290 $ 8,991 $ 310 Derivatives not designated as hedges Assets Interest rate swaps 2,3 $ 38,741 $ 260 $ 7,959 $ 54 Interest rate caps and floors 2 16,840 69 9,698 26 Foreign currency swaps 2 1,201 104 — — Total assets (a) $ 56,782 $ 433 $ 17,657 $ 80 Liabilities Interest rate swaps 2,3 $ 8,404 $ 137 $ 6,170 $ 28 Interest rate caps and floors 2 17,953 70 12,146 26 Total liabilities (b) $ 26,357 $ 207 $ 18,316 $ 54 _________________ (a) Derivative assets are included in other assets. (b) Derivative liabilities are included in other liabilities. Amounts accrued for interest payments in a net receivable position are included in other assets.
Effect of Derivative Instruments on Consolidated Statements of Income and Comprehensive Income	Income (Losses) Recognized In Income Years Ended December 31, 2017 2016 2015 Fair value hedges Interest rate contracts (a)(b) $ 42 $ (7 ) $ 1 Cash flow hedges Interest rate contracts (a) 3 (3 ) — Foreign currency contracts (c) 121 39 — Derivatives not designated as hedges Interest rate contracts (a) 40 27 (12 ) Foreign currency contracts (c)(d) 86 — 4 Total $ 292 $ 56 $ (7 ) _________________ (a) Recognized in earnings as interest expense. (b) Includes hedge ineffectiveness which reflects the net change in the fair value of interest rate contracts offset by the change in fair value of hedged debt attributable to the hedged risk. (c) Recognized in earnings as other operating expenses and interest expense. (d) Activity is partially offset by translation activity (included in other operating expenses) related to foreign currency-denominated loans. Gains (Losses) Recognized In Accumulated Other Comprehensive Loss Years Ended December 31, 2017 2016 2015 Cash flow hedges Interest rate contracts $ 5 $ 4 $ — Foreign currency contracts 81 (20 ) — Total $ 86 $ (16 ) $ — (Losses) Gains Reclassified From Accumulated Other Comprehensive Loss Into Income Years Ended December 31, 2017 2016 2015 Cash flow hedges Interest rate contracts $ (1 ) $ 2 $ — Foreign currency contracts (86 ) 31 — Total $ (87 ) $ 33 $ —

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2017
Commitments and Contingencies Disclosure [Abstract]
Schedule of Lease Expense	A summary of lease expense and operating lease commitments is as follows: Years Ended December 31, 2017 2016 2015 Lease expense $ 29 $ 24 $ 22
Schedule of Future Minimum Rental Payments for Operating Leases	Years Ending December 31, 2018 2019 2020 2021 2022 Thereafter Total Operating lease commitments $ 27 $ 26 $ 25 $ 23 $ 22 $ 63 $ 186

Parent Company Stock-Based Co41

Parent Company Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2017
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of Nonvested Restricted Stock Units Activity	The following table summarizes information about RSUs, PSUs and stock options granted to our employees and key executive officers under GM's stock-based compensation programs (units in thousands): Year Ended December 31, 2017 Shares Weighted-Average Grant Date Fair Value Weighted-Average Remaining Contractual Term (years) Units outstanding at January 1, 2017 2,827 $ 25.37 1.7 Granted 915 $ 32.90 Settled (701 ) $ 36.56 Forfeited or expired (168 ) $ 11.93 Units outstanding at December 31, 2017 2,873 $ 28.44 1.4 Units unvested and expected to vest at December 31, 2017 1,837 $ 34.51 1.9 Units vested and payable at December 31, 2017 949 $ 16.71

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Summary of Income (Loss) Before Income Taxes	The following table summarizes income before income taxes and equity income: Years Ended December 31, 2017 2016 2015 U.S. income $ 710 $ 336 $ 374 Non-U.S. income 313 275 189 Income before income taxes and equity income $ 1,023 $ 611 $ 563
Summary of Income Tax Expense (Benefit)	Income Tax Expense Years Ended December 31, 2017 2016 2015 Current income tax expense U.S. federal $ — $ (1 ) $ 13 U.S. state and local (4 ) — (5 ) Non-U.S. 73 98 58 Total current 69 97 66 Deferred income tax expense U.S. federal (16 ) (1 ) 115 U.S. state and local 31 13 6 Non-U.S. 27 (4 ) 7 Total deferred 42 8 128 Total income tax provision $ 111 $ 105 $ 194
Effective Income Tax Rate Reconciliation	The following table summarizes a reconciliation of income tax expense (benefit) compared with the amounts at the U.S. federal statutory income tax rate: Years Ended December 31, 2017 2016 2015 U.S. statutory tax rate 35.0 % 35.0 % 35.0 % Non-U.S. income taxed at other than 35% (0.1 ) (0.3 ) (0.8 ) State and local income taxes 3.5 2.5 1.1 U.S. tax on non-U.S. earnings 7.3 (15.4 ) 7.8 Valuation allowance 1.1 7.8 1.2 Tax credits and incentives (11.2 ) (12.4 ) (8.4 ) U.S. federal tax reform impact (23.4 ) — — Other (1.3 ) — (1.5 ) Effective tax rate 10.9 % 17.2 % 34.4 %
Schedule of Deferred Tax Assets and Liabilities	The following table summarizes the components of temporary differences and carryforwards that give rise to deferred tax assets and liabilities: December 31, 2017 December 31, 2016 Deferred tax assets Net operating loss carryforward - U.S. (a) $ 811 $ 1,049 Net operating loss carryforward - non-U.S. (b) 180 178 Market value difference of loan portfolio 102 102 Accruals 122 117 Tax credits (c) 789 388 Other 157 111 Total deferred tax assets before valuation allowance 2,161 1,945 Less: valuation allowance (326 ) (144 ) Total deferred tax assets 1,835 1,801 Deferred tax liabilities Depreciable assets 1,619 1,482 Deferred acquisition costs 130 177 Other 125 123 Total deferred tax liabilities 1,874 1,782 Net deferred tax (liability) asset $ (39 ) $ 19 _________________ (a) Includes tax-effected operating losses of $0.8 billion expiring through 2038 at December 31, 2017 . (b) Includes tax-effected operating losses of $115 million expiring through 2038 and $65 million that may be carried forward indefinitely at December 31, 2017 . (c) Includes tax credits of $789 million expiring through 2038 at December 31, 2017 .
Summary of Unrecognized Tax Benefits Activity	Uncertain Tax Positions Years Ended December 31, 2017 2016 2015 Beginning balance $ 56 $ 57 $ 77 Additions to prior years' tax positions — 4 — Reductions to prior years' tax positions (1 ) (6 ) (4 ) Additions to current year tax positions 4 2 — Reductions in tax positions due to lapse of statutory limitations (5 ) (4 ) (7 ) Settlements — — (2 ) Foreign currency translation — 3 (7 ) Ending balance $ 54 $ 56 $ 57

Supplemental Cash Flow Inform43

Supplemental Cash Flow Information (Tables)	12 Months Ended
	Dec. 31, 2017
Supplemental Cash Flow Elements [Abstract]
Cash Payments for Interest Costs and Income Taxes	Cash payments for interest costs and income taxes consist of the following: Years Ended December 31, 2017 2016 2015 Interest costs (none capitalized) $ 2,571 $ 1,761 $ 1,204 Income taxes $ 99 $ 102 $ 68
Noncash Activity	Non-cash investing items consist of the following: Years Ended December 31, 2017 2016 2015 Subvention receivable from GM $ 306 $ 347 $ 362 Commercial loan funding payable to GM (a) $ 90 $ 320 $ 303 _________________ (a) Refer to Note 3 for further information.

Segment Reporting and Geograp44

Segment Reporting and Geographic Information (Tables)	12 Months Ended
	Dec. 31, 2017
Segment Reporting [Abstract]
Schedule of Segment Reporting Information	These operations were previously included in our International Segment. Key operating data for our operating segments were as follows: Year Ended December 31, 2017 North America International Total Total revenue $ 10,999 $ 1,152 $ 12,151 Operating expenses 1,050 340 1,390 Leased vehicle expenses 6,391 24 6,415 Provision for loan losses 623 134 757 Interest expense 2,032 534 2,566 Equity income — 173 173 Income from continuing operations before income taxes $ 903 $ 293 $ 1,196 Year Ended December 31, 2016 North America International Total Total revenue $ 7,948 $ 1,035 $ 8,983 Operating expenses 891 359 1,250 Leased vehicle expenses 4,499 7 4,506 Provision for loan losses 566 78 644 Interest expense 1,481 491 1,972 Equity income — 151 151 Income from continuing operations before income taxes $ 511 $ 251 $ 762 Year Ended December 31, 2015 North America International Total Total revenue $ 4,777 $ 1,090 $ 5,867 Operating expenses 735 316 1,051 Leased vehicle expenses 2,190 — 2,190 Provision for loan losses 466 137 603 Interest expense 907 553 1,460 Equity income — 116 116 Income from continuing operations before income taxes $ 479 $ 200 $ 679 December 31, 2017 December 31, 2016 North America International Total North America International Total Finance receivables, net $ 35,436 $ 6,736 $ 42,172 $ 27,617 $ 5,858 $ 33,475 Leased vehicles, net $ 42,753 $ 129 $ 42,882 $ 34,284 $ 58 $ 34,342 Total assets (a) $ 87,618 $ 9,397 $ 97,015 $ 68,656 $ 19,109 $ 87,765 ________________ (a) International Segment includes assets held for sale of $11.0 billion at December 31, 2016 .
Schedule of Operating Data by Geographical Areas	The following table summarizes information concerning principal geographic areas: At and For the Years Ended December 31, 2017 2016 2015 Revenue Long-Lived Assets (a) Revenue Long-Lived Assets (a) Revenue Long-Lived Assets (a) U.S. $ 10,424 $ 40,674 $ 7,440 $ 32,506 $ 4,324 $ 18,501 Brazil 589 3 652 3 757 3 Other countries (b) 1,138 2,464 891 2,047 786 1,746 Total consolidated $ 12,151 $ 43,141 $ 8,983 $ 34,556 $ 5,867 $ 20,250 _________________ (a) Long-lived assets includes $42.9 billion , $34.3 billion and $20.1 billion of vehicles on operating leases at December 31, 2017, 2016 and 2015 . (b) No individual country represents more than 10% of our total revenue or long-lived assets.

Accumulated Other Comprehensi45

Accumulated Other Comprehensive Loss (Tables)	12 Months Ended
	Dec. 31, 2017
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Changes in Accumulated Other Comprehensive Income (Loss)	Years Ended December 31, 2017 2016 2015 Unrealized gain on cash flow hedges Beginning balance $ 17 $ — $ — Change in value of cash flow hedges, net of tax (1 ) 17 — Ending balance 16 17 — Defined benefit plans Beginning balance (20 ) (13 ) (11 ) Unrealized gain (loss) on subsidiary pension before reclassification adjustment, net of tax — (7 ) (2 ) Reclassification adjustment, net of tax (a) 21 — — Ending balance 1 (20 ) (13 ) Foreign currency translation adjustment Beginning balance (1,235 ) (1,091 ) (422 ) Translation gain (loss) before reclassification adjustment, net of tax 253 (144 ) (669 ) Reclassification adjustment (a) 197 — — Ending balance (785 ) (1,235 ) (1,091 ) Total accumulated other comprehensive loss $ (768 ) $ (1,238 ) $ (1,104 ) _________________ (a) The reclassification adjustment in 2017 is related to the sale of the European Operations.

Quarterly Financial Data (una46

Quarterly Financial Data (unaudited) (Tables)	12 Months Ended
	Dec. 31, 2017
Quarterly Financial Data [Abstract]
Summary of Quarterly Financial Results	The following tables summarize supplementary quarterly financial information: First Quarter Second Quarter Third Quarter Fourth Quarter 2017 Total revenue $ 2,748 $ 2,990 $ 3,161 $ 3,252 Income from continuing operations $ 179 $ 270 $ 186 $ 450 Income (loss) from discontinued operations, net of tax $ 23 $ (208 ) $ 16 $ (255 ) Net income $ 202 $ 62 $ 202 $ 195 2016 Total revenue $ 1,931 $ 2,138 $ 2,360 $ 2,554 Income from continuing operations $ 138 $ 143 $ 134 $ 242 Income from discontinued operations, net of tax $ 26 $ 46 $ 13 $ 12 Net income $ 164 $ 189 $ 147 $ 254

Guarantor Consolidating Finan47

Guarantor Consolidating Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2017
Guarantor Consolidating Financial Statements [abstract]
Condensed Balance Sheet	CONSOLIDATING BALANCE SHEET December 31, 2017 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated ASSETS Cash and cash equivalents $ — $ 3,535 $ 730 $ — $ 4,265 Finance receivables, net — 9,569 32,603 — 42,172 Leased vehicles, net — — 42,882 — 42,882 Goodwill 1,095 — 102 — 1,197 Equity in net assets of non-consolidated affiliate — — 1,187 — 1,187 Property and equipment, net — 192 67 — 259 Deferred income taxes 549 21 249 (570 ) 249 Related party receivables 2 23 284 — 309 Other assets 9 1,284 3,604 (402 ) 4,495 Due from affiliates 35,312 22,603 — (57,915 ) — Investment in affiliates 9,870 6,426 — (16,296 ) — Total assets $ 46,837 $ 43,653 $ 81,708 $ (75,183 ) $ 97,015 LIABILITIES AND SHAREHOLDERS' EQUITY Liabilities Secured debt $ — $ — $ 40,289 $ (402 ) $ 39,887 Unsecured debt 36,145 — 4,685 — 40,830 Accounts payable and accrued expenses 338 382 902 — 1,622 Deferred income — — 3,221 — 3,221 Deferred income taxes — — 858 (570 ) 288 Related party payables 2 — 90 — 92 Other liabilities 58 585 138 — 781 Due to affiliates — 35,110 22,805 (57,915 ) — Total liabilities 36,543 36,077 72,988 (58,887 ) 86,721 Shareholders' equity Common stock — — 698 (698 ) — Preferred stock — — — — — Additional paid-in capital 7,525 79 2,123 (2,202 ) 7,525 Accumulated other comprehensive loss (768 ) (109 ) (714 ) 823 (768 ) Retained earnings 3,537 7,606 6,613 (14,219 ) 3,537 Total shareholders' equity 10,294 7,576 8,720 (16,296 ) 10,294 Total liabilities and shareholders' equity $ 46,837 $ 43,653 $ 81,708 $ (75,183 ) $ 97,015 CONSOLIDATING BALANCE SHEET December 31, 2016 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated ASSETS Cash and cash equivalents $ — $ 2,284 $ 531 $ — $ 2,815 Finance receivables, net — 4,969 28,506 — 33,475 Leased vehicles, net — — 34,342 — 34,342 Goodwill 1,095 — 101 — 1,196 Equity in net assets of non-consolidated affiliate — — 944 — 944 Property and equipment, net — 152 62 — 214 Deferred income taxes 502 89 242 (591 ) 242 Related party receivables — 25 322 — 347 Other assets 4 643 2,761 (169 ) 3,239 Assets held for sale — — 10,959 (8 ) 10,951 Due from affiliates 24,548 16,065 — (40,613 ) — Investment in affiliates 8,986 6,445 — (15,431 ) — Total assets $ 35,135 $ 30,672 $ 78,770 $ (56,812 ) $ 87,765 LIABILITIES AND SHAREHOLDER'S EQUITY Liabilities Secured debt $ — $ — $ 35,256 $ (169 ) $ 35,087 Unsecured debt 26,076 — 3,400 — 29,476 Accounts payable and accrued expenses 302 273 749 — 1,324 Deferred income — — 2,355 — 2,355 Deferred income taxes — — 814 (591 ) 223 Related party payables 1 — 319 — 320 Other liabilities 63 417 114 — 594 Liabilities held for sale — — 9,694 (1 ) 9,693 Due to affiliates — 24,437 16,183 (40,620 ) — Total liabilities 26,442 25,127 68,884 (41,381 ) 79,072 Shareholder's equity Common stock — — 698 (698 ) — Additional paid-in capital 6,505 79 5,345 (5,424 ) 6,505 Accumulated other comprehensive loss (1,238 ) (161 ) (1,223 ) 1,384 (1,238 ) Retained earnings 3,426 5,627 5,066 (10,693 ) 3,426 Total shareholder's equity 8,693 5,545 9,886 (15,431 ) 8,693 Total liabilities and shareholder's equity $ 35,135 $ 30,672 $ 78,770 $ (56,812 ) $ 87,765
Condensed Income Statement	CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2017 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 513 $ 2,743 $ — $ 3,256 Leased vehicle income — — 8,606 — 8,606 Other income 1 1,169 (7 ) (874 ) 289 Total revenue 1 1,682 11,342 (874 ) 12,151 Costs and expenses Salaries and benefits — 688 157 — 845 Other operating expenses 258 (43 ) 831 (501 ) 545 Total operating expenses 258 645 988 (501 ) 1,390 Leased vehicle expenses — — 6,415 — 6,415 Provision for loan losses — 430 327 — 757 Interest expense 1,102 72 1,765 (373 ) 2,566 Total costs and expenses 1,360 1,147 9,495 (874 ) 11,128 Equity income 2,050 1,615 173 (3,665 ) 173 Income from continuing operations before income taxes 691 2,150 2,020 (3,665 ) 1,196 Income tax (benefit) provision (238 ) 158 191 — 111 Income from continuing operations 929 1,992 1,829 (3,665 ) 1,085 Loss from discontinued operations, net of tax (268 ) (13 ) (143 ) — (424 ) Net income 661 1,979 1,686 (3,665 ) 661 Net income attributable to common shareholder $ 645 $ 1,979 $ 1,686 $ (3,665 ) $ 645 Comprehensive income $ 1,131 $ 2,031 $ 2,195 $ (4,226 ) $ 1,131 CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2016 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 432 $ 2,414 $ — $ 2,846 Leased vehicle income — — 5,896 — 5,896 Other income (1 ) 883 34 (675 ) 241 Total revenue (1 ) 1,315 8,344 (675 ) 8,983 Costs and expenses Salaries and benefits — 597 138 — 735 Other operating expenses 2 200 715 (402 ) 515 Total operating expenses 2 797 853 (402 ) 1,250 Leased vehicle expenses — — 4,506 — 4,506 Provision for loan losses — 378 266 — 644 Interest expense 557 296 1,392 (273 ) 1,972 Total costs and expenses 559 1,471 7,017 (675 ) 8,372 Equity income 994 771 151 (1,765 ) 151 Income from continuing operations before income taxes 434 615 1,478 (1,765 ) 762 Income tax (benefit) provision (341 ) (89 ) 535 — 105 Income from continuing operations 775 704 943 (1,765 ) 657 (Loss) income from discontinued operations, net of tax (21 ) — 118 — 97 Net income $ 754 $ 704 $ 1,061 $ (1,765 ) $ 754 Comprehensive income $ 620 $ 718 $ 933 $ (1,651 ) $ 620 CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2015 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 403 $ 2,445 $ — $ 2,848 Leased vehicle income — — 2,795 — 2,795 Other income 13 505 97 (391 ) 224 Total revenue 13 908 5,337 (391 ) 5,867 Costs and expenses Salaries and benefits — 332 277 — 609 Other operating expenses 64 105 524 (251 ) 442 Total operating expenses 64 437 801 (251 ) 1,051 Leased vehicle expenses — — 2,190 — 2,190 Provision for loan losses — 398 205 — 603 Interest expense 488 18 1,094 (140 ) 1,460 Total costs and expenses 552 853 4,290 (391 ) 5,304 Equity income 941 579 116 (1,520 ) 116 Income from continuing operations before income taxes 402 634 1,163 (1,520 ) 679 Income tax (benefit) provision (224 ) 25 393 — 194 Income from continuing operations 626 609 770 (1,520 ) 485 Income from discontinued operations, net of tax 20 — 141 — 161 Net income $ 646 $ 609 $ 911 $ (1,520 ) $ 646 Comprehensive (loss) income $ (25 ) $ 498 $ 225 $ (723 ) $ (25 )
Condensed Cash Flow Statement	CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2017 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 929 $ 1,992 $ 1,829 $ (3,665 ) $ 1,085 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 44 37 6,625 — 6,706 Accretion and amortization of loan and leasing fees — 16 (1,727 ) — (1,711 ) Undistributed earnings of non-consolidated affiliate, net (2,050 ) (1,615 ) (173 ) 3,665 (173 ) Provision for loan losses — 430 327 — 757 Deferred income taxes (80 ) 72 50 — 42 Stock-based compensation expense 39 — 9 — 48 Other operating activities 171 (281 ) (196 ) — (306 ) Changes in assets and liabilities: Other assets (5 ) 25 (74 ) — (54 ) Accounts payable and accrued expenses 26 56 71 — 153 Taxes payable (4 ) — (25 ) — (29 ) Related party payables 1 — — — 1 Net cash (used in) provided by operating activities - continuing operations (929 ) 732 6,716 — 6,519 Net cash provided by (used in) operating activities - discontinued operations 26 (14 ) 221 — 233 Net cash (used in) provided by operating activities (903 ) 718 6,937 — 6,752 Cash flows from investing activities Purchases of retail finance receivables, net — (20,769 ) (16,969 ) 18,214 (19,524 ) Principal collections and recoveries on retail finance receivables — 2,577 10,277 — 12,854 Proceeds from transfer of retail finance receivables, net — 13,509 4,705 (18,214 ) — Net funding of commercial finance receivables — (302 ) (2,282 ) — (2,584 ) Purchases of leased vehicles, net — — (19,180 ) — (19,180 ) Proceeds from termination of leased vehicles — — 6,667 — 6,667 Purchases of property and equipment — (77 ) (17 ) — (94 ) Other investing activities — (233 ) 2 233 2 Net change in due from affiliates (10,764 ) (6,538 ) — 17,302 — Net change in investment in affiliates 657 1,686 — (2,343 ) — Net cash used in investing activities - continuing operations (10,107 ) (10,147 ) (16,797 ) 15,192 (21,859 ) Net cash provided by (used in) investing activities - discontinued operations 729 — (726 ) — 3 Net cash used in investing activities (9,378 ) (10,147 ) (17,523 ) 15,192 (21,856 ) Cash flows from financing activities Net change in debt (original maturities less than three months) 129 — (234 ) — (105 ) Borrowings and issuance of secured debt — — 32,713 (233 ) 32,480 Payments on secured debt — — (27,451 ) — (27,451 ) Borrowings and issuance of unsecured debt 12,216 — 3,667 — 15,883 Payments on unsecured debt (2,450 ) — (2,568 ) — (5,018 ) Debt issuance costs (49 ) — (106 ) — (155 ) Proceeds from issuance of preferred stock 985 — — — 985 Dividends paid (550 ) — — — (550 ) Net capital contributions — — (2,343 ) 2,343 — Net change in due to affiliates — 10,680 6,622 (17,302 ) — Net cash provided by financing activities - continuing operations 10,281 10,680 10,300 (15,192 ) 16,069 Net cash provided by financing activities - discontinued operations — — 219 — 219 Net cash provided by financing activities 10,281 10,680 10,519 (15,192 ) 16,288 Net increase (decrease) in cash, cash equivalents and restricted cash — 1,251 (67 ) — 1,184 Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash — — 81 — 81 Cash, cash equivalents and restricted cash at beginning of period — 2,284 3,018 — 5,302 Cash, cash equivalents and restricted cash at end of period $ — $ 3,535 $ 3,032 $ — $ 6,567 Cash, cash equivalents and restricted cash from continuing operations at end of period $ — $ 3,535 $ 3,032 $ — $ 6,567 Cash, cash equivalents and restricted cash from discontinued operations at end of period $ — $ — $ — $ — $ — The following table provides a reconciliation of cash, cash equivalents and restricted cash reported within the consolidating balance sheet: General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash and cash equivalents $ — $ 3,535 $ 730 $ — $ 4,265 Restricted cash included in other assets — — 2,302 — 2,302 Total $ — $ 3,535 $ 3,032 $ — $ 6,567 CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2016 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 775 $ 704 $ 943 $ (1,765 ) $ 657 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 37 26 4,726 — 4,789 Accretion and amortization of loan and leasing fees — 17 (1,153 ) — (1,136 ) Amortization of carrying value adjustment — (3 ) (25 ) — (28 ) Undistributed earnings of non-consolidated affiliate, net (994 ) (771 ) (22 ) 1,765 (22 ) Provision for loan losses — 378 266 — 644 Deferred income taxes (334 ) (390 ) 732 — 8 Stock-based compensation expense 24 — 1 — 25 Other operating activities (299 ) 298 (148 ) — (149 ) Changes in assets and liabilities: Other assets 18 (347 ) (103 ) — (432 ) Accounts payable and accrued expenses 117 (438 ) 530 — 209 Taxes payable (1 ) — (4 ) — (5 ) Related party payables — — 1 — 1 Net cash (used in) provided by operating activities - continuing operations (657 ) (526 ) 5,744 — 4,561 Net cash provided by (used in) operating activities - discontinued operations — (9 ) 329 — 320 Net cash (used in) provided by operating activities (657 ) (535 ) 6,073 — 4,881 Cash flows from investing activities Purchases of retail finance receivables, net — (15,847 ) (16,464 ) 18,131 (14,180 ) Principal collections and recoveries on retail finance receivables — 1,542 8,357 — 9,899 Proceeds from transfer of retail finance receivables, net — 13,897 4,234 (18,131 ) — Net funding of commercial finance receivables — (191 ) (2,276 ) — (2,467 ) Purchases of leased vehicles, net — — (19,483 ) — (19,483 ) Proceeds from termination of leased vehicles — — 2,554 — 2,554 Purchases of property and equipment — (82 ) (11 ) — (93 ) Other investing activities — (169 ) 1 169 1 Net change in due from affiliates (8,966 ) (8,508 ) — 17,474 — Net change in investment in affiliates 339 787 — (1,126 ) — Net cash used in investing activities - continuing operations (8,627 ) (8,571 ) (23,088 ) 16,517 (23,769 ) Net cash provided by (used in) investing activities - discontinued operations — — (1,005 ) — (1,005 ) Net cash used in investing activities (8,627 ) (8,571 ) (24,093 ) 16,517 (24,774 ) Cash flows from financing activities Net change in debt (original maturities less than three months) 8 — (317 ) — (309 ) Borrowings and issuance of secured debt — — 27,548 (169 ) 27,379 Payments on secured debt — — (17,294 ) — (17,294 ) Borrowings and issuance of unsecured debt 10,320 — 1,914 — 12,234 Payments on unsecured debt (1,000 ) — (1,754 ) — (2,754 ) Borrowings on related party line of credit 418 — — — 418 Payments on related party line of credit (418 ) — — — (418 ) Debt issuance costs (44 ) — (87 ) — (131 ) Net capital contributions — — (1,126 ) 1,126 — Net change in due to affiliates — 9,071 8,403 (17,474 ) — Net cash provided by financing activities - continuing operations 9,284 9,071 17,287 (16,517 ) 19,125 Net cash provided by financing activities - discontinued operations — — 1,109 — 1,109 Net cash provided by financing activities 9,284 9,071 18,396 (16,517 ) 20,234 Net increase (decrease) in cash, cash equivalents and restricted cash — (35 ) 376 — 341 Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash — — (41 ) — (41 ) Cash, cash equivalents and restricted cash at beginning of period — 2,319 2,683 — 5,002 Cash, cash equivalents and restricted cash at end of period $ — $ 2,284 $ 3,018 $ — $ 5,302 Cash, cash equivalents and restricted cash from continuing operations at end of period $ — $ 2,284 $ 2,346 $ — $ 4,630 Cash, cash equivalents and restricted cash from discontinued operations at end of period $ — $ — $ 672 $ — $ 672 The following table provides a reconciliation of cash, cash equivalents and restricted cash reported within the consolidating balance sheet: General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash and cash equivalents $ — $ 2,284 $ 531 $ — $ 2,815 Restricted cash included in other assets — — 1,815 — 1,815 Total $ — $ 2,284 $ 2,346 $ — $ 4,630 CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2015 General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 626 $ 609 $ 770 $ (1,520 ) $ 485 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 28 3 2,334 — 2,365 Accretion and amortization of loan and leasing fees — 25 (599 ) — (574 ) Amortization of carrying value adjustment — (14 ) (74 ) — (88 ) Undistributed earnings of non-consolidated affiliate, net (941 ) (579 ) (116 ) 1,520 (116 ) Provision for loan losses — 398 205 — 603 Deferred income taxes (169 ) 2 295 — 128 Stock-based compensation expense 33 — 4 — 37 Other operating activities 32 (5 ) (57 ) — (30 ) Changes in assets and liabilities: Other assets (3 ) 25 (396 ) — (374 ) Accounts payable and accrued expenses 100 531 (380 ) — 251 Taxes payable (12 ) 1 1 — (10 ) Related party taxes payable (636 ) — — — (636 ) Related party payable 1 — 5 — 6 Net cash (used in) provided by operating activities - continuing operations (941 ) 996 1,992 — 2,047 Net cash provided by operating activities - discontinued operations — — 121 — 121 Net cash (used in) provided by operating activities (941 ) 996 2,113 — 2,168 Cash flows from investing activities Purchases of retail finance receivables, net — (13,997 ) (13,369 ) 13,461 (13,905 ) Principal collections and recoveries on retail finance receivables — 755 7,793 — 8,548 Proceeds from transfer of retail finance receivables, net — 10,428 3,033 (13,461 ) — Net funding of commercial finance receivables — 6 (869 ) — (863 ) Purchases of leased vehicles, net — — (15,276 ) — (15,276 ) Proceeds from termination of leased vehicles — — 1,095 — 1,095 Acquisition of equity interest (513 ) (536 ) — — (1,049 ) Disposition of equity interest — 125 — — 125 Purchases of property and equipment — (21 ) (52 ) — (73 ) Other investing activities — — 15 — 15 Net change in due from affiliates (9,764 ) (5,593 ) — 15,357 — Net change in investment in affiliates 42 (1,893 ) — 1,851 — Net cash used in investing activities - continuing operations (10,235 ) (10,726 ) (17,630 ) 17,208 (21,383 ) Net cash provided by (used in) investing activities - discontinued operations 897 — (650 ) (897 ) (650 ) Net cash used in investing activities (9,338 ) (10,726 ) (18,280 ) 16,311 (22,033 ) Cash flows from financing activities Net change in debt (original maturities less than three months) — — (21 ) — (21 ) Borrowings and issuance of secured debt — — 19,203 — 19,203 Payments on secured debt — — (11,503 ) — (11,503 ) Borrowings and issuance of unsecured debt 9,687 — 2,356 — 12,043 Payments on unsecured debt — — (1,652 ) — (1,652 ) Debt issuance costs (58 ) — (76 ) — (134 ) Net capital contribution 649 — 1,851 (1,851 ) 649 Other 1 — — — 1 Net change in due to affiliates — 9,751 5,606 (15,357 ) — Net cash provided by financing activities - continuing operations 10,279 9,751 15,764 (17,208 ) 18,586 Net cash provided by financing activities - discontinued operations — 15 619 897 1,531 Net cash provided by financing activities 10,279 9,766 16,383 (16,311 ) 20,117 Net increase in cash, cash equivalents and restricted cash — 36 216 — 252 Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash — — (295 ) — (295 ) Cash, cash equivalents and restricted cash at beginning of period — 2,283 2,762 — 5,045 Cash, cash equivalents and restricted cash at end of period $ — $ 2,319 $ 2,683 $ — $ 5,002 Cash, cash equivalents and restricted cash from continuing operations at end of period $ — $ 2,319 $ 1,939 $ — $ 4,258 Cash, cash equivalents and restricted cash from discontinued operations at end of period $ — $ — $ 744 $ — $ 744

Summary of Significant Accoun48

Summary of Significant Accounting Policies - Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2017USD ($)payment	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Summary of Significant Accounting Policies [Line Items]
Probable loss experience period	10 years
Number of delinquent payments that can be moved | payment	2
Net cash used in operating activities	$ (6,752)	$ (4,881)	$ (2,168)
Net cash used in investing activities	21,856	24,774	22,033
Beginning of period cash and cash equivalents	$ 6,567	$ 5,302	$ 5,002	$ 5,045
Minimum [Member]
Summary of Significant Accounting Policies [Line Items]
Credit facility expiration period	12 months
Estimated useful life (in years)	1 year
Maximum [Member]
Summary of Significant Accounting Policies [Line Items]
Credit facility expiration period	18 months
Estimated useful life (in years)	30 years
Retail Finance Receivables [Member]
Summary of Significant Accounting Policies [Line Items]
Contractually delinquent period	120 days
Commercial Finance Receivables [Member]
Summary of Significant Accounting Policies [Line Items]
Typical repayment period	90 days
Contractually delinquent period	360 days
Commercial Finance Receivables [Member] | Maximum [Member]
Summary of Significant Accounting Policies [Line Items]
Payment period after loan is called	60 days

Discontinued Operations - Narra

Discontinued Operations - Narrative (Details) - Discontinued Operations [Member] - European Operations [Member] - USD ($) $ in Millions	Oct. 31, 2017	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Consideration received	$ 1,100
Loss on sale of discontinued operations before income taxes	525	$ 151	$ 38	$ 336
Foreign currency translation losses	$ 197

Discontinued Operations - Finan

Discontinued Operations - Financial Information for Assets and Liabilities of Businesses Held for Sale (Details) - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016
ASSETS
Total assets held for sale	$ 0	$ 10,951
LIABILITIES
Total liabilities held for sale	$ 0	9,693
European Operations [Member] | Discontinued Operations [Member]
ASSETS
Cash and cash equivalents		386
Finance receivables, net		9,715
Related party receivables		163
Other assets		687
Total assets held for sale		10,951
LIABILITIES
Secured debt		4,183
Unsecured debt		5,130
Related party payables		80
Other liabilities		300
Total liabilities held for sale		$ 9,693

Discontinued Operations - Fin51

Discontinued Operations - Financial Information for Discontinued Operations (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
(Loss) income from discontinued operations, net of tax	$ (255)	$ 16	$ (208)	$ 23	$ 12	$ 13	$ 46	$ 26	$ (424)	$ 97	$ 161
Discontinued Operations, Held-for-sale [Member] | European Operations [Member]
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Total revenue									474	574	588
Interest expense									79	136	156
Other expenses									263	287	273
Total costs and expenses									342	423	429
Income from discontinued operations before income taxes									132	151	159
Loss on sale of discontinued operations before income taxes									525	0	0
(Loss) income from discontinued operations before income taxes									(393)	151	159
Income tax provision (benefit)									31	54	(2)
(Loss) income from discontinued operations, net of tax									$ (424)	$ 97	$ 161

Related Party Transactions - Na

Related Party Transactions - Narrative (Details) - USD ($)	1 Months Ended	12 Months Ended
	Nov. 30, 2017	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Related Party Transaction [Line Items]
Payments of dividends		$ 550,000,000	$ 0	$ 0
Parent Company [Member] | Purchase of Retail Finance Receivables [Member]
Related Party Transaction [Line Items]
Related party purchases		269,000,000
Parent Company [Member] | Special Dividend [Member]
Related Party Transaction [Line Items]
Payments of dividends	$ 550,000,000
Affiliated Entity [Member]
Related Party Transaction [Line Items]
Tax expense due to related party		0	$ 0
Junior Subordinated Revolving Credit Facility [Member]
Related Party Transaction [Line Items]
Line of credit facilities - GM Related party facility		$ 1,000,000,000
Line of Credit [Member]
Related Party Transaction [Line Items]
Debt instrument term		4 years
Line of Credit [Member] | Revolving Credit Facility [Member] | General Motors [Member]
Related Party Transaction [Line Items]
Total borrowing capacity		$ 4,000,000,000
Line of Credit [Member] | Three Year Revolving Credit Facility [Member]
Related Party Transaction [Line Items]
Total borrowing capacity		1,000,000,000
Line of Credit [Member] | Three Year Revolving Credit Facility [Member] | General Motors [Member]
Related Party Transaction [Line Items]
Total borrowing capacity		$ 4,000,000,000
Debt instrument term		3 years
Line of Credit [Member] | Five Year Revolving Credit Facility [Member]
Related Party Transaction [Line Items]
Total borrowing capacity		$ 3,000,000,000
Line of Credit [Member] | Five Year Revolving Credit Facility [Member] | General Motors [Member]
Related Party Transaction [Line Items]
Total borrowing capacity		$ 10,500,000,000
Debt instrument term		5 years

Related Party Transactions - Re

Related Party Transactions - Related Party Payables (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Affiliated Entity [Member]
Related Party Transaction [Line Items]
Subvention receivable	$ 306	$ 347
Leased vehicle subvention earned	3,046	2,232	$ 999
Affiliated Entity [Member] | Retail Finance Receivables [Member]
Related Party Transaction [Line Items]
Commercial finance receivables, net due from dealers consolidated by GM	88	0
Interest subvention earned	438	337	235
Affiliated Entity [Member] | Commercial Finance Receivables [Member]
Related Party Transaction [Line Items]
Commercial finance receivables, net due from dealers consolidated by GM	355	347
Commercial loan funding payable	90	320
Interest subvention earned	54	50	54
Parent Company [Member]
Related Party Transaction [Line Items]
Revenue from related parties	$ 4,300	$ 4,200	$ 3,500

Finance Receivables - Narrative

Finance Receivables - Narrative (Details) - Retail Finance Receivables [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrual of finance charge income	$ 778	$ 798
TDR's - subsequent default	$ 27	$ 26	$ 20

Finance Receivables - Finance R

Finance Receivables - Finance Receivables, net (Details) - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables, net	$ 42,172	$ 33,475
Fair value of finance receivables	42,178	33,528
Commercial Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total finance receivables	10,312	7,880	$ 5,392	$ 4,884
Automobile Loan [Member] | Retail Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables, collectively evaluated for impairment, net of fees	30,574	24,480
Finance receivables, individually evaluated for impairment, net of fees	2,228	1,920
Total finance receivables	32,802	26,400	$ 22,397	$ 18,859
Less: allowance for loan losses - collective	(561)	(489)
Less: allowance for loan losses - specific	(328)	(276)
Total finance receivables, net	31,913	25,635
Deferred income	228	178
Automobile Loan [Member] | Commercial Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables, collectively evaluated for impairment, net of fees	10,290	7,853
Finance receivables, individually evaluated for impairment, net of fees	22	27
Total finance receivables	10,312	7,880
Less: allowance for loan losses - collective	(50)	(36)
Less: allowance for loan losses - specific	(3)	(4)
Total finance receivables, net	$ 10,259	$ 7,840

Finance Receivables - Finance56

Finance Receivables - Finance Receivables Summary (Details) - Automobile Loan [Member] - Retail Finance Receivables [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Balance at beginning of period	$ 26,400	$ 22,397	$ 18,859
Purchases	19,920	14,468	13,919
Principal collections and other	(12,428)	(9,508)	(7,891)
Charge-offs	(1,171)	(1,136)	(966)
Foreign currency translation	81	179	(1,524)
Balance at end of period	$ 32,802	$ 26,400	$ 22,397

Finance Receivables - Allowance

Finance Receivables - Allowance for Loan Losses (Details) - Automobile Loan [Member] - Retail Finance Receivables [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	$ 765	$ 713	$ 638
Provision for loan losses	742	640	592
Charge-offs	(1,171)	(1,136)	(966)
Recoveries	552	542	469
Foreign currency translation	1	6	(20)
Balance at end of period	$ 889	$ 765	$ 713

Finance Receivables - Credit Qu

Finance Receivables - Credit Quality (Details) - Retail Finance Receivables [Member] - Automobile Loan [Member] - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016
Financing Receivable, Recorded Investment [Line Items]
Amount	$ 32,802	$ 26,400
Percent	100.00%	100.00%
Prime - FICO score 680 and greater [Member]
Financing Receivable, Recorded Investment [Line Items]
Amount	$ 16,892	$ 11,417
Percent	51.50%	43.20%
Near-prime FICO score 620 to 679 [Member]
Financing Receivable, Recorded Investment [Line Items]
Amount	$ 5,226	$ 4,222
Percent	15.90%	16.00%
Sub-prime FICO score Less than 620 [Member]
Financing Receivable, Recorded Investment [Line Items]
Amount	$ 10,684	$ 10,761
Percent	32.60%	40.80%

Finance Receivables - Delinquen

Finance Receivables - Delinquency (Details) - Retail Finance Receivables [Member] - Automobile Loan [Member] - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016
Financing Receivable, Recorded Investment, Past Due [Line Items]
In repossession	$ 27	$ 47
In repossession of contractual amount due (percent)	0.00%	0.20%
Financing receivable and in repossession past due	$ 1,920	$ 1,799
Financing receivable and in repossession past due (percent)	5.80%	6.80%
31 to 60 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	$ 1,334	$ 1,220
Financing receivable past due (percent)	4.10%	4.60%
Greater Than 60 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	$ 559	$ 532
Financing receivable past due (percent)	1.70%	2.00%
30 or More Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	$ 1,893	$ 1,752
Financing receivable past due (percent)	5.80%	6.60%

Finance Receivables - Troubled

Finance Receivables - Troubled Debt Restructurings (Details) - Automobile Loan [Member] $ in Millions	12 Months Ended
	Dec. 31, 2017USD ($)loan	Dec. 31, 2016USD ($)loan	Dec. 31, 2015USD ($)loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding recorded investment	$ 2,228	$ 1,920
Less: allowance for loan losses	(328)	(276)
Outstanding recorded investment, net of allowance	1,900	1,644
Unpaid principal balance	2,266	1,967
Average outstanding recorded investment	2,074	1,766	$ 1,455
Finance charge income recognized	$ 228	$ 205	$ 164
Number of loans classified as TDRs during the period | loan	74,784	66,926	58,012
Recorded investment of loans classified as TDRs during the period	$ 1,309	$ 1,148	$ 982

Finance Receivables - Commercia

Finance Receivables - Commercial Finance Receivables (Details) - Commercial Finance Receivables [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Balance at beginning of period	$ 7,880	$ 5,392	$ 4,884
Net funding	2,356	2,534	848
Charge-offs	(2)	(1)	(3)
Foreign currency translation	78	(45)	(337)
Balance at end of period	$ 10,312	$ 7,880	$ 5,392

Finance Receivables - Credit Ri

Finance Receivables - Credit Risk Profile by Dealer grouping of Commercial Finance Receivables (Details) - Commercial Finance Receivables [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 10,312	$ 7,880	$ 5,392	$ 4,884
Concentration risk (percent)	100.00%	100.00%
Group I [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 1,915	$ 1,389
Concentration risk (percent)	18.60%	17.60%
Group II [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 3,584	$ 2,661
Concentration risk (percent)	34.70%	33.80%
Group III [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 3,424	$ 2,775
Concentration risk (percent)	33.20%	35.20%
Group IV [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 1,048	$ 631
Concentration risk (percent)	10.20%	8.00%
Group V [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 260	$ 334
Concentration risk (percent)	2.50%	4.20%
Group VI [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 81	$ 90
Concentration risk (percent)	0.80%	1.20%

Leased Vehicles - Leased Vehicl

Leased Vehicles - Leased Vehicles (Details) - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Property Subject to or Available for Operating Lease, Net [Abstract]
Leased vehicles	$ 62,203	$ 48,340
Manufacturer subvention	(9,468)	(7,686)
Leased Vehicles Accounted For Operating Leases Net Of Manufacturing Incentives	52,735	40,654	$ 22,913	$ 8,238
Less: accumulated depreciation	(9,853)	(6,312)
Leased vehicles, net	$ 42,882	$ 34,342	$ 20,100

Leased Vehicles - Leased Vehi64

Leased Vehicles - Leased Vehicles Summary (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Leased Vehicles Accounted For Operating Leases, Net [Roll Forward]
Balance at beginning of period	$ 40,654	$ 22,913	$ 8,238
Leased vehicles purchased	25,421	25,221	20,128
Terminated leases	(11,160)	(4,089)	(1,783)
Leased vehicles returned - default	(627)	(358)	(120)
Manufacturer subvention on leased vehicles purchased	(3,799)	(3,777)	(3,431)
Manufacturer subvention on terminated leases	2,055	678	266
Foreign currency translation	191	66	(385)
Balance at end of period	$ 52,735	$ 40,654	$ 22,913

Leased Vehicles - Minimum renta

Leased Vehicles - Minimum rental payments (Details) $ in Millions	Dec. 31, 2017USD ($)
Operating Leases, Future Minimum Payments Receivable [Abstract]
2,018	$ 6,848
2,019	4,530
2,020	1,759
2,021	189
2,022	12
Total	$ 13,338

Goodwill - Changes in the Carry

Goodwill - Changes in the Carrying Amount of Goodwill (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Goodwill [Roll Forward]
Balance at beginning of period	$ 1,196	$ 1,189	$ 1,244
Foreign currency translation	1	7	(55)
Balance at end of period	1,197	1,196	1,189
North America [Member]
Goodwill [Roll Forward]
Balance at beginning of period	1,105	1,105	1,106
Foreign currency translation	0	0	(1)
Balance at end of period	1,105	1,105	1,105
International [Member]
Goodwill [Roll Forward]
Balance at beginning of period	91	84	138
Foreign currency translation	1	7	(54)
Balance at end of period	$ 92	$ 91	$ 84

Equity in Net Assets of Non-c67

Equity in Net Assets of Non-consolidated Affiliates - Summarized Financial Information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Summarized Operating Data(a):
Undistributed earnings of foreign subsidiaries	$ 45,000,000	$ 4,000,000
SAIC-GMAC [Member]
Summarized Balance Sheet Data(a):
Finance receivables, net	13,459,000,000	10,408,000,000
Total assets	16,198,000,000	11,089,000,000
Debt	9,349,000,000	6,681,000,000
Total liabilities	13,807,000,000	9,330,000,000
Summarized Operating Data(a):
Finance charge income	1,053,000,000	940,000,000	$ 971,000,000
Provision for loan losses	(6,000,000)	18,000,000	45,000,000
Interest expense	337,000,000	257,000,000	338,000,000
Income before income taxes	661,000,000	570,000,000	463,000,000
Net income	$ 496,000,000	$ 428,000,000	$ 347,000,000
Ownership percentage	35.00%	35.00%	35.00%
Cash dividends received	$ 0	$ 129,000,000	$ 0
Undistributed earnings of foreign subsidiaries	$ 315,000,000	$ 142,000,000

Debt - Narrative (Details)

Debt - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Jan. 31, 2018	Dec. 31, 2016
Maximum [Member]
Debt Instrument [Line Items]
Expiration period	18 months
Revolving Credit Facilities [Member] | Maximum [Member]
Debt Instrument [Line Items]
Expiration period	5 years
Senior Notes [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	3.27%
Face amount of debt	$ 37,300
Senior Notes [Member] | Senior Notes Issued By Subsidiaries in Canada and Mexico [Member]
Debt Instrument [Line Items]
Face amount of debt	$ 821
Senior Notes [Member] | 6.75% Senior Notes Due June 2018 [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	6.75%
Face amount of debt	$ 500
Line of Credit [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	7.28%
Debt instrument term	4 years
Line of Credit [Member] | Revolving Credit Facilities [Member]
Debt Instrument [Line Items]
Increase in unsecured committed credit facilities	$ 2,900
Unsecured Debt [Member]
Debt Instrument [Line Items]
Issuance costs	$ 122		$ 110
Secured Debt [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	2.37%
Issuance costs	$ 90		$ 75
Secured Debt [Member] | Securitization Notes Payable [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	2.10%
Face amount of debt	$ 22,400
International [Member] | Line of Credit [Member]
Debt Instrument [Line Items]
Increase in unsecured committed credit facilities	24
Parent Company [Member] | Senior Notes [Member]
Debt Instrument [Line Items]
Face amount of debt	$ 12,700
Parent Company [Member] | Senior Notes [Member] | Fixed Rate Senior Notes [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	2.85%
Subsequent Event [Member] | Parent Company [Member] | Senior Notes [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)		3.26%
Face amount of debt		$ 1,650

Debt - Short Term and Long Term

Debt - Short Term and Long Term Debt (Details) - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016
Short Term and Long Term Debt [Line Items]
Secured debt	$ 39,887	$ 35,087
Secured Debt, Fair Value Disclosure	39,948	35,162
Unsecured debt	40,830	29,476
Unsecured Debt, Fair Value Disclosure	41,989	30,045
Long-term Debt	80,717	64,563
Long-term Debt, Fair Value	81,937	65,207
Fair Value, Inputs, Level 2 [Member]
Short Term and Long Term Debt [Line Items]
Long-term Debt, Fair Value	79,623	62,951
Fair Value, Inputs, Level 3 [Member]
Short Term and Long Term Debt [Line Items]
Long-term Debt, Fair Value	2,314	2,256
Revolving Credit Facility [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	4,694	8,503
Secured Debt, Fair Value Disclosure	4,713	8,498
Unsecured debt	2,368	1,961
Unsecured Debt, Fair Value Disclosure	2,375	1,961
Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	35,193	26,584
Secured Debt, Fair Value Disclosure	35,235	26,664
Senior Notes [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	36,820	26,737
Unsecured Debt, Fair Value Disclosure	37,969	27,304
Other Unsecured Debt [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	1,642	778
Unsecured Debt, Fair Value Disclosure	$ 1,645	$ 780

Debt - Repayments of Principal

Debt - Repayments of Principal and Interest (Details) - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016
Debt Instrument [Line Items]
Long-term Debt	$ 80,717	$ 64,563
Interest payments in 2018	2,373
Interest payments in 2019	1,653
Interest payments in 2020	1,149
Interest payments in 2021	787
Interest payments in 2022	532
Interest payments thereafter	1,144
Interest payments	7,638
Total repayments in 2018	26,875
Total repayments in 2019	20,142
Total repayments in 2020	15,845
Total repayments in 2021	8,589
Total repayments in 2022	5,855
Total repayments thereafter	11,621
Total repayments of principal and interest	88,927
Secured Debt [Member]
Debt Instrument [Line Items]
Repayments of principal in 2018	19,348
Repayments of principal in 2019	12,406
Repayments of principal in 2020	6,203
Repayments of principal in 2021	1,775
Repayments of principal in 2022	227
Repayments of principal thereafter	0
Long-term Debt	39,959
Unsecured Debt [Member]
Debt Instrument [Line Items]
Repayments of principal in 2018	5,154
Repayments of principal in 2019	6,083
Repayments of principal in 2020	8,493
Repayments of principal in 2021	6,027
Repayments of principal in 2022	5,096
Repayments of principal thereafter	10,477
Long-term Debt	$ 41,330

Variable Interest Entities - As

Variable Interest Entities - Assets and Liabilities of Consolidated VIE's (Details) - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Variable Interest Entity [Line Items]
Restricted cash	$ 2,302
Finance receivables, net of fees	42,172	$ 33,475
Lease related assets	42,882	34,342	$ 20,100
Securitization and Credit Facility VIE [Member]
Variable Interest Entity [Line Items]
Restricted cash	2,267	1,780
Finance receivables, net of fees	28,364	24,644
Lease related assets	22,222	19,341
Secured debt	$ 39,328	$ 34,185

Derivative Financial Instrume72

Derivative Financial Instruments and Hedging Activities - Derivative Financial Instruments (Details) - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016
Derivatives Designated as Hedges [Member] | Assets [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	$ 5,001	$ 3,070
Derivative Asset, Fair Value	120	12
Derivatives Designated as Hedges [Member] | Assets [Member] | Fair Value Hedges [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	1,250	0
Derivative Asset, Fair Value	2	0
Derivatives Designated as Hedges [Member] | Assets [Member] | Cash Flow Hedges [Member] | Fair Value, Inputs, Level 2 [Member] | Foreign Currency Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	1,574	0
Derivative Asset, Fair Value	103	0
Derivatives Designated as Hedges [Member] | Assets [Member] | Cash Flow Hedges [Member] | Fair Value, Inputs, Level 2 And Level 3 [Member] | Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	2,177	3,070
Derivative Asset, Fair Value	15	12
Derivatives Designated as Hedges [Member] | Liabilities [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	9,860	8,991
Derivative Liability, Fair Value	290	310
Derivatives Designated as Hedges [Member] | Liabilities [Member] | Fair Value Hedges [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	9,860	7,700
Derivative Liability, Fair Value	290	276
Derivatives Designated as Hedges [Member] | Liabilities [Member] | Cash Flow Hedges [Member] | Fair Value, Inputs, Level 2 [Member] | Foreign Currency Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	0	791
Derivative Liability, Fair Value	0	33
Derivatives Designated as Hedges [Member] | Liabilities [Member] | Cash Flow Hedges [Member] | Fair Value, Inputs, Level 2 And Level 3 [Member] | Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	0	500
Derivative Liability, Fair Value	0	1
Derivatives not Designated as Hedges [Member] | Assets [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	56,782	17,657
Derivative Asset, Fair Value	433	80
Derivatives not Designated as Hedges [Member] | Assets [Member] | Fair Value, Inputs, Level 2 [Member] | Foreign Currency Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	1,201	0
Derivative Asset, Fair Value	104	0
Derivatives not Designated as Hedges [Member] | Assets [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Caps and Floors [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	16,840	9,698
Derivative Asset, Fair Value	69	26
Derivatives not Designated as Hedges [Member] | Assets [Member] | Fair Value, Inputs, Level 2 And Level 3 [Member] | Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	38,741	7,959
Derivative Asset, Fair Value	260	54
Derivatives not Designated as Hedges [Member] | Liabilities [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	26,357	18,316
Derivative Liability, Fair Value	207	54
Derivatives not Designated as Hedges [Member] | Liabilities [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Caps and Floors [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	17,953	12,146
Derivative Liability, Fair Value	70	26
Derivatives not Designated as Hedges [Member] | Liabilities [Member] | Fair Value, Inputs, Level 2 And Level 3 [Member] | Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	8,404	6,170
Derivative Liability, Fair Value	$ 137	$ 28

Derivative Financial Instrume73

Derivative Financial Instruments and Hedging Activities - Derivatives Income (Losses) Recognized in Income (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Derivative Instruments, Gain (Loss) [Line Items]
Total	$ 292	$ 56	$ (7)
Cash Flow Hedges [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gains (Losses) Recognized In Accumulated Other Comprehensive Loss	86	(16)	0
(Losses) Gains Reclassified From Accumulated Other Comprehensive Loss Into Income	(87)	33	0
Cash Flow Hedges [Member] | Interest Rate Contract [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gains (Losses) Recognized In Accumulated Other Comprehensive Loss	5	4	0
(Losses) Gains Reclassified From Accumulated Other Comprehensive Loss Into Income	(1)	2	0
Cash Flow Hedges [Member] | Foreign Exchange Contract [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gains (Losses) Recognized In Accumulated Other Comprehensive Loss	81	(20)	0
(Losses) Gains Reclassified From Accumulated Other Comprehensive Loss Into Income	(86)	31	0
Derivatives Designated as Hedges [Member] | Fair Value Hedges [Member] | Interest Rate Contract [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Fair value hedges	42	(7)	1
Derivatives Designated as Hedges [Member] | Cash Flow Hedges [Member] | Interest Rate Contract [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Fair value hedges	3	(3)	0
Derivatives Designated as Hedges [Member] | Cash Flow Hedges [Member] | Foreign Exchange Contract [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Fair value hedges	121	39	0
Derivatives not Designated as Hedges [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Interest rate contracts	40	27	(12)
Foreign currency derivatives	$ 86	$ 0	$ 4

Commitments and Contingencies -

Commitments and Contingencies - Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2017USD ($)
Commitment and Contingencies [Line Items]
Estimate of possible loss	$ 70
Loss contingency accrual	23
Indirect tax contingency	19
Senior Notes [Member]
Commitment and Contingencies [Line Items]
Face amount of debt	37,300
Senior Notes [Member] | Parent Company [Member]
Commitment and Contingencies [Line Items]
Face amount of debt	12,700
Senior Notes [Member] | Senior Notes Issued By Subsidiaries in Canada and Mexico [Member]
Commitment and Contingencies [Line Items]
Face amount of debt	821
Senior Notes [Member] | Euro Medium Term Notes [Member] | Parent Company [Member]
Commitment and Contingencies [Line Items]
Face amount of debt	$ 2,000
Accounts Receivable [Member] | Geographic Concentration Risk [Member]
Commitment and Contingencies [Line Items]
Concentration risk (percent)	12.80%
Administrative Offices And Other [Member] | Maximum [Member]
Commitment and Contingencies [Line Items]
Term of contract	10 years

Commitments and Contingencies75

Commitments and Contingencies - Lease Expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Lease expense	$ 29	$ 24	$ 22

Commitments and Contingencies76

Commitments and Contingencies - Operating Lease Commitments (Details) $ in Millions	Dec. 31, 2017USD ($)
Commitments and Contingencies Disclosure [Abstract]
2,018	$ 27
2,019	26
2,020	25
2,021	23
2,022	22
Thereafter	63
Total	$ 186

Shareholders' Equity (Details)

Shareholders' Equity (Details) $ / shares in Units, $ in Millions	Sep. 01, 2017$ / shares	Sep. 30, 2017USD ($)$ / sharesshares	Dec. 31, 2017$ / shares	Aug. 31, 2017$ / shares	Dec. 31, 2016$ / shares
Class of Stock [Line Items]
Common stock par value per share (in usd per share)	$ 0.0001		$ 0.0001	$ 1	$ 0.0001
Preferred stock par value (in dollars per share)			$ 0.01		$ 0.01
Common Stock [Member]
Class of Stock [Line Items]
Stock split conversion ratio	10,000
Series A Preferred Stock [Member]
Class of Stock [Line Items]
Stock issued during period (shares) | shares		1,000,000
Preferred stock par value (in dollars per share)		$ 0.01
Preferred stock issued during period | $		$ 985
Liquidation preference (in dollars per share)		$ 1,000
Term of fixed rate dividend payments		10 years
Preferred stock dividend rate		5.75%
Series A Preferred Stock [Member] | London Interbank Offered Rate (LIBOR) [Member]
Class of Stock [Line Items]
Preferred stock variable dividend rate		3.598%

Parent Company Stock-Based Co78

Parent Company Stock-Based Compensation - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense, net of tax	$ 48	$ 45	$ 36
Granted (in shares)	915,000	0
Unamortized compensation expense	$ 35
Unamortized compensation expense period for recognition	1 year 4 months 24 days
Total fair value of awards vested	$ 16	$ 12	$ 12
RSU's settled with cash (in shares)	300,000	49,000	254,000
RSU's settled in cash	$ 11	$ 2	$ 9
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Performance Shares Units (PSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Employee Stock Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield	4.43%	4.60%
Expected volatility rate	25.00%	26.10%
Risk-free interest rate	1.97%	2.00%
Expected option life	5 years 10 months 2 days	6 years 7 months 2 days

Parent Company Stock-Based Co79

Parent Company Stock-Based Compensation - RSUs Granted Employees and Key Executive Officers Under Parent Company Stock Based Compensation Programs (Details) - $ / shares	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Shares outstanding
Outstanding at beginning of period (in shares)	2,827,000
Granted (in shares)	915,000	0
Settled (in shares)	(701,000)
Forfeited or expired (in shares)	(168,000)
Outstanding at end of period (in shares)	2,873,000	2,827,000
Weighted Average Grant Date Fair Value
Outstanding at beginning of period (in dollars per share)	$ 25.37
Granted (in dollars per share)	32.90
Forfeited or expired (in dollars per share)	36.56
Settled (in dollars per share)	11.93
Outstanding at end of period (in dollars per share)	$ 28.44	$ 25.37
Weighted-Average Remaining Contractual Term
RSUs at beginning of period (in years)	1 year 4 months 24 days	1 year 8 months 12 days
RSU's vested and payable at end of period (in years)	1 year 10 months 24 days
RSUs unvested and expected to vest at end of period (in shares)	1,837,000
RSUs vested and payable at end of period (in shares)	949,000
RSUs unvested and expected to vest at end of period (in dollars per share)	$ 34.51
RSUs vested and payable at end of period (in dollars per share)	$ 16.71

Employee Benefit Plans - Narrat

Employee Benefit Plans - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Retirement Benefits [Abstract]
Compensation expense	$ 20	$ 17	$ 14

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($)	3 Months Ended	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Income Taxes [Line Items]
Undistributed earnings of foreign subsidiaries	$ 45,000,000	$ 45,000,000	$ 4,000,000
Net operating loss carryforward - US	811,000,000	811,000,000	1,049,000,000
Net operating loss carryforward - Non-US	180,000,000	180,000,000	178,000,000
Tax credits	789,000,000	789,000,000	388,000,000
Valuation allowance	326,000,000	326,000,000	144,000,000
Increase (decrease) to valuation allowance		182,000,000
Unrecognized tax benefits that would impact effective tax rate	33,000,000	33,000,000	35,000,000	$ 32,000,000
Penalties accrued	80,000,000	80,000,000	80,000,000
Deposit to reduce unrecognized tax benefit liabilities	15,000,000	15,000,000	15,000,000
Income tax benefit	240,000,000	(111,000,000)	(105,000,000)	$ (194,000,000)
Remeasurement benefit	452,000,000
Territorial tax		212,000,000
Tax Year 2038 [Member]
Income Taxes [Line Items]
Net operating loss carryforward - US	800,000,000	800,000,000
Net operating loss carryforward - Non-US	115,000,000	115,000,000
Tax credits	789,000,000	789,000,000
Expiring Indefinitely [Member]
Income Taxes [Line Items]
Net operating loss carryforward - Non-US	65,000,000	65,000,000
Domestic Tax Authority [Member]
Income Taxes [Line Items]
Valuation allowance	$ 326,000,000	326,000,000
Affiliated Entity [Member]
Income Taxes [Line Items]
Tax expense due to related party		$ 0	$ 0

Income Taxes - Income Before In

Income Taxes - Income Before Income Taxes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Income Tax Disclosure [Abstract]
U.S. income	$ 710	$ 336	$ 374
Non-U.S. income	313	275	189
Income before income taxes and equity income	$ 1,023	$ 611	$ 563

Income Taxes - Income Tax Provi

Income Taxes - Income Tax Provision (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Current income tax expense
U.S. federal		$ 0	$ (1)	$ 13
U.S. state and local		(4)	0	(5)
Non-U.S.		73	98	58
Total current		69	97	66
Deferred income tax expense
U.S. federal		(16)	(1)	115
U.S. state and local		31	13	6
Non-U.S.		27	(4)	7
Total deferred		42	8	128
Total income tax provision	$ (240)	$ 111	$ 105	$ 194

Income Taxes - Effective Income

Income Taxes - Effective Income Tax Rate on Income Before Income Taxes (Details)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Income Tax Disclosure [Abstract]
U.S. statutory tax rate	35.00%	35.00%	35.00%
Non-U.S. income taxed at other than 35%	(0.10%)	(0.30%)	(0.80%)
State and local income taxes	3.50%	2.50%	1.10%
U.S. tax on non-U.S. earnings	7.30%	(15.40%)	7.80%
Valuation allowance	1.10%	7.80%	1.20%
Tax credits and incentives	(11.20%)	(12.40%)	(8.40%)
U.S. federal tax reform impact	(23.40%)	0.00%	0.00%
Other	(1.30%)	0.00%	(1.50%)
Effective tax rate	10.90%	17.20%	34.40%

Income Taxes - Deferred Income

Income Taxes - Deferred Income Tax Assets and Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016
Deferred tax assets
Net operating loss carryforward - US	$ 811	$ 1,049
Net operating loss carryforward - Non-US	180	178
Market value difference of loan portfolio	102	102
Accruals	122	117
Tax credits	789	388
Other	157	111
Total deferred tax assets before valuation allowance	2,161	1,945
Less: valuation allowance	(326)	(144)
Total deferred tax assets	1,835	1,801
Deferred tax liabilities
Depreciable assets	1,619	1,482
Deferred acquisition costs	130	177
Other	125	123
Total deferred tax liabilities	1,874	1,782
Net deferred tax (liability) asset	$ (39)
Net deferred tax (liability) asset		$ 19

Income Taxes - Reconciliation o

Income Taxes - Reconciliation of Beginning and Ending Balances of Total Amounts of Gross Unrecognized Tax Benefits (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Beginning balance	$ 56	$ 57	$ 77
Additions to prior years' tax positions	0	4	0
Reductions to prior years' tax positions	(1)	(6)	(4)
Additions to current year tax positions	4	2	0
Reductions in tax positions due to lapse of statutory limitations	(5)	(4)	(7)
Settlements	0	0	(2)
Foreign currency translation	0	3
Foreign currency translation			(7)
Ending balance	$ 54	$ 56	$ 57

Supplemental Cash Flow Inform87

Supplemental Cash Flow Information - Cash Payments For Interest Costs And Income Taxes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Supplemental Cash Flow Elements [Abstract]
Interest costs (none capitalized)	$ 2,571	$ 1,761	$ 1,204
Income taxes	$ 99	$ 102	$ 68

Supplemental Cash Flow Inform88

Supplemental Cash Flow Information - Noncash Activity (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Supplemental Cash Flow Elements [Abstract]
Subvention receivable from GM	$ 306	$ 347	$ 362
Commercial loan funding payable to GM(a)	$ 90	$ 320	$ 303

Segment Reporting and Geograp89

Segment Reporting and Geographic Information - Narrative (Details)	12 Months Ended
	Dec. 31, 2017segment
Segment Reporting [Abstract]
Number of operating segments	2

Segment Reporting and Geograp90

Segment Reporting and Geographic Information - Operations Reporting by Revenue (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Segment Reporting Information [Line Items]
Total revenue	$ 3,252	$ 3,161	$ 2,990	$ 2,748	$ 2,554	$ 2,360	$ 2,138	$ 1,931	$ 12,151	$ 8,983	$ 5,867
Operating expenses									1,390	1,250	1,051
Leased vehicle expenses									6,415	4,506	2,190
Provision for loan losses (Note 4)									757	644	603
Interest expense									2,566	1,972	1,460
Equity income									173	151	116
Income from continuing operations before income taxes	$ 450	$ 186	$ 270	$ 179	$ 242	$ 134	$ 143	$ 138	1,196	762	679
Operating Segments [Member] | North America [Member]
Segment Reporting Information [Line Items]
Total revenue									10,999	7,948	4,777
Operating expenses									1,050	891	735
Leased vehicle expenses									6,391	4,499	2,190
Provision for loan losses (Note 4)									623	566	466
Interest expense									2,032	1,481	907
Equity income									0	0	0
Income from continuing operations before income taxes									903	511	479
Operating Segments [Member] | International [Member]
Segment Reporting Information [Line Items]
Total revenue									1,152	1,035	1,090
Operating expenses									340	359	316
Leased vehicle expenses									24	7	0
Provision for loan losses (Note 4)									134	78	137
Interest expense									534	491	553
Equity income									173	151	116
Income from continuing operations before income taxes									$ 293	$ 251	$ 200

Segment Reporting and Geograp91

Segment Reporting and Geographic Information - Operations Reporting by Assets (Details) - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Segment Reporting Information [Line Items]
Finance receivables, net	$ 42,172	$ 33,475
Leased vehicles, net	42,882	34,342	$ 20,100
Total assets	97,015	87,765
Assets held for sale	0	10,951
North America [Member]
Segment Reporting Information [Line Items]
Finance receivables, net	35,436	27,617
Leased vehicles, net	42,753	34,284
Total assets	87,618	68,656
International [Member]
Segment Reporting Information [Line Items]
Finance receivables, net	6,736	5,858
Leased vehicles, net	129	58
Total assets	$ 9,397	$ 19,109

Segment Reporting and Geograp92

Segment Reporting and Geographic Information - Geographic Information (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenue	$ 3,252	$ 3,161	$ 2,990	$ 2,748	$ 2,554	$ 2,360	$ 2,138	$ 1,931	$ 12,151	$ 8,983	$ 5,867
Long-Lived Assets	43,141				34,556				43,141	34,556	20,250
Leased vehicles, net	42,882				34,342				42,882	34,342	20,100
U.S. [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenue									10,424	7,440	4,324
Long-Lived Assets	40,674				32,506				40,674	32,506	18,501
Brazil [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenue									589	652	757
Long-Lived Assets	3				3				3	3	3
Other Countries [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenue									1,138	891	786
Long-Lived Assets	$ 2,464				$ 2,047				$ 2,464	$ 2,047	$ 1,746

Accumulated Other Comprehensi93

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Changes in Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	$ 8,693
Other comprehensive loss, net of tax	470	$ (134)	$ (671)
Balance at end of period	10,294	8,693
AOCI Attributable to Parent [Member]
Changes in Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	(1,238)	(1,104)	(433)
Balance at end of period	(768)	(1,238)	(1,104)
Unrealized Gain from Cash Flow Hedges [Member]
Changes in Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	17	0	0
Other comprehensive loss, net of tax	(1)	17	0
Balance at end of period	16	17	0
Defined Benefit Plans [Member]
Changes in Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	(20)	(13)	(11)
Other comprehensive loss, net of tax	0	(7)	(2)
Reclassification adjustment	21	0	0
Balance at end of period	1	(20)	(13)
Foreign Currency Translation Adjustment [Member]
Changes in Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	(1,235)	(1,091)	(422)
Other comprehensive loss, net of tax	253	(144)	(669)
Reclassification adjustment	197	0	0
Balance at end of period	$ (785)	$ (1,235)	$ (1,091)

Regulatory Capital and Other 94

Regulatory Capital and Other Regulatory Matters - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016
Capital Requirements on Foreign Financial Institutions [Line Items]
Assets	$ 97,015	$ 87,765
Brazil [Member]
Capital Requirements on Foreign Financial Institutions [Line Items]
Capital ratio	17.40%
Capital requirement	10.50%
International Regulated Bank And Finance Companies [Member]
Capital Requirements on Foreign Financial Institutions [Line Items]
Assets	$ 7,800	$ 6,900

Quarterly Financial Data (una95

Quarterly Financial Data (unaudited) (Details) - USD ($) $ in Millions	Oct. 31, 2017	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Quarterly Financial Data [Abstract]
Total revenue		$ 3,252	$ 3,161	$ 2,990	$ 2,748	$ 2,554	$ 2,360	$ 2,138	$ 1,931	$ 12,151	$ 8,983	$ 5,867
Income from continuing operations		450	186	270	179	242	134	143	138	1,196	762	679
Income (loss) from discontinued operations, net of tax		(255)	16	(208)	23	12	13	46	26	(424)	97	161
Net income		195	202	62	$ 202	$ 254	$ 147	$ 189	$ 164	$ 661	$ 754	$ 646
European Operations [Member] | Discontinued Operations [Member]
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Loss on sale of discontinued operations before income taxes	$ 525	$ 151	$ 38	$ 336

Guarantor Consolidating Finan96

Guarantor Consolidating Financial Statements - Current Period Guarantor Balance Sheet (Details) - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	$ 4,265	$ 2,815
Finance receivables, net	42,172	33,475
Leased vehicles, net	42,882	34,342	$ 20,100
Goodwill	1,197	1,196	$ 1,189	$ 1,244
Equity in net assets of non-consolidated affiliate	1,187	944
Property and equipment, net	259	214
Deferred income taxes	249	242
Related party receivables	309	347
Other assets	4,495	3,239
Assets held for sale (Note 2)	0	10,951
Due from affiliates	0	0
Investment in affiliates	0	0
Total assets	97,015	87,765
Secured debt	39,887	35,087
Unsecured debt	40,830	29,476
Accounts payable and accrued expenses	1,622	1,324
Deferred income	3,221	2,355
Deferred income taxes	288	223
Related party payables	92	320
Other liabilities	781	594
Liabilities held for sale (Note 2)	0	9,693
Due to affiliates	0	0
Total liabilities	86,721	79,072
Common stock	0	0
Preferred stock	0	0
Additional paid-in capital	7,525	6,505
Accumulated other comprehensive loss	(768)	(1,238)
Retained earnings	3,537	3,426
Total shareholders' equity	10,294	8,693
Total liabilities and shareholders' equity	97,015	87,765
Eliminations [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	0	0
Finance receivables, net	0	0
Leased vehicles, net	0	0
Goodwill	0	0
Equity in net assets of non-consolidated affiliate	0	0
Property and equipment, net	0	0
Deferred income taxes	(570)	(591)
Related party receivables	0	0
Other assets	(402)	(169)
Assets held for sale (Note 2)		(8)
Due from affiliates	(57,915)	(40,613)
Investment in affiliates	(16,296)	(15,431)
Total assets	(75,183)	(56,812)
Secured debt	(402)	(169)
Unsecured debt	0	0
Accounts payable and accrued expenses	0	0
Deferred income	0	0
Deferred income taxes	(570)	(591)
Related party payables	0	0
Other liabilities	0	0
Liabilities held for sale (Note 2)		(1)
Due to affiliates	(57,915)	(40,620)
Total liabilities	(58,887)	(41,381)
Common stock	(698)	(698)
Preferred stock	0
Additional paid-in capital	(2,202)	(5,424)
Accumulated other comprehensive loss	823	1,384
Retained earnings	(14,219)	(10,693)
Total shareholders' equity	(16,296)	(15,431)
Total liabilities and shareholders' equity	(75,183)	(56,812)
General Motors Financial Company, Inc. [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	0	0
Finance receivables, net	0	0
Leased vehicles, net	0	0
Goodwill	1,095	1,095
Equity in net assets of non-consolidated affiliate	0	0
Property and equipment, net	0	0
Deferred income taxes	549	502
Related party receivables	2	0
Other assets	9	4
Assets held for sale (Note 2)		0
Due from affiliates	35,312	24,548
Investment in affiliates	9,870	8,986
Total assets	46,837	35,135
Secured debt	0	0
Unsecured debt	36,145	26,076
Accounts payable and accrued expenses	338	302
Deferred income	0	0
Deferred income taxes	0	0
Related party payables	2	1
Other liabilities	58	63
Liabilities held for sale (Note 2)		0
Due to affiliates	0	0
Total liabilities	36,543	26,442
Common stock	0	0
Preferred stock	0
Additional paid-in capital	7,525	6,505
Accumulated other comprehensive loss	(768)	(1,238)
Retained earnings	3,537	3,426
Total shareholders' equity	10,294	8,693
Total liabilities and shareholders' equity	46,837	35,135
Guarantor [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	3,535	2,284
Finance receivables, net	9,569	4,969
Leased vehicles, net	0	0
Goodwill	0	0
Equity in net assets of non-consolidated affiliate	0	0
Property and equipment, net	192	152
Deferred income taxes	21	89
Related party receivables	23	25
Other assets	1,284	643
Assets held for sale (Note 2)		0
Due from affiliates	22,603	16,065
Investment in affiliates	6,426	6,445
Total assets	43,653	30,672
Secured debt	0	0
Unsecured debt	0	0
Accounts payable and accrued expenses	382	273
Deferred income	0	0
Deferred income taxes	0	0
Related party payables	0	0
Other liabilities	585	417
Liabilities held for sale (Note 2)		0
Due to affiliates	35,110	24,437
Total liabilities	36,077	25,127
Common stock	0	0
Preferred stock	0
Additional paid-in capital	79	79
Accumulated other comprehensive loss	(109)	(161)
Retained earnings	7,606	5,627
Total shareholders' equity	7,576	5,545
Total liabilities and shareholders' equity	43,653	30,672
Non-Guarantors [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	730	531
Finance receivables, net	32,603	28,506
Leased vehicles, net	42,882	34,342
Goodwill	102	101
Equity in net assets of non-consolidated affiliate	1,187	944
Property and equipment, net	67	62
Deferred income taxes	249	242
Related party receivables	284	322
Other assets	3,604	2,761
Assets held for sale (Note 2)		10,959
Due from affiliates	0	0
Investment in affiliates	0	0
Total assets	81,708	78,770
Secured debt	40,289	35,256
Unsecured debt	4,685	3,400
Accounts payable and accrued expenses	902	749
Deferred income	3,221	2,355
Deferred income taxes	858	814
Related party payables	90	319
Other liabilities	138	114
Liabilities held for sale (Note 2)		9,694
Due to affiliates	22,805	16,183
Total liabilities	72,988	68,884
Common stock	698	698
Preferred stock	0
Additional paid-in capital	2,123	5,345
Accumulated other comprehensive loss	(714)	(1,223)
Retained earnings	6,613	5,066
Total shareholders' equity	8,720	9,886
Total liabilities and shareholders' equity	$ 81,708	$ 78,770

Guarantor Consolidating Finan97

Guarantor Consolidating Financial Statements - Guarantor Income Statements (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Condensed Income Statements, Captions [Line Items]
Finance charge income									$ 3,256	$ 2,846	$ 2,848
Leased vehicle income									8,606	5,896	2,795
Other income									289	241	224
Total revenue	$ 3,252	$ 3,161	$ 2,990	$ 2,748	$ 2,554	$ 2,360	$ 2,138	$ 1,931	12,151	8,983	5,867
Salaries and benefits									845	735	609
Other operating expenses									545	515	442
Total operating expenses									1,390	1,250	1,051
Leased vehicle expenses									6,415	4,506	2,190
Provision for loan losses (Note 4)									757	644	603
Interest expense									2,566	1,972	1,460
Total costs and expenses									11,128	8,372	5,304
Equity income									173	151	116
Income from continuing operations before income taxes	450	186	270	179	242	134	143	138	1,196	762	679
Income tax (benefit) provision	(240)								111	105	194
Income from continuing operations									1,085	657	485
Loss from discontinued operations, net of tax									(424)	97	161
Net income	$ 195	$ 202	$ 62	$ 202	$ 254	$ 147	$ 189	$ 164	661	754	646
Net income attributable to common shareholder									645	754	646
Comprehensive income									1,131	620	(25)
General Motors Financial Company, Inc. [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income									0	0	0
Leased vehicle income									0	0	0
Other income									1	(1)	13
Total revenue									1	(1)	13
Salaries and benefits									0	0	0
Other operating expenses									258	2	64
Total operating expenses									258	2	64
Leased vehicle expenses									0	0	0
Provision for loan losses (Note 4)									0	0	0
Interest expense									1,102	557	488
Total costs and expenses									1,360	559	552
Equity income									2,050	994	941
Income from continuing operations before income taxes									691	434	402
Income tax (benefit) provision									(238)	(341)	(224)
Income from continuing operations									929	775	626
Loss from discontinued operations, net of tax									(268)	(21)	20
Net income									661	754	646
Net income attributable to common shareholder									645
Comprehensive income									1,131	620	(25)
Guarantor [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income									513	432	403
Leased vehicle income									0	0	0
Other income									1,169	883	505
Total revenue									1,682	1,315	908
Salaries and benefits									688	597	332
Other operating expenses									(43)	200	105
Total operating expenses									645	797	437
Leased vehicle expenses									0	0	0
Provision for loan losses (Note 4)									430	378	398
Interest expense									72	296	18
Total costs and expenses									1,147	1,471	853
Equity income									1,615	771	579
Income from continuing operations before income taxes									2,150	615	634
Income tax (benefit) provision									158	(89)	25
Income from continuing operations									1,992	704	609
Loss from discontinued operations, net of tax									(13)	0	0
Net income									1,979	704	609
Net income attributable to common shareholder									1,979
Comprehensive income									2,031	718	498
Non-Guarantors [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income									2,743	2,414	2,445
Leased vehicle income									8,606	5,896	2,795
Other income									(7)	34	97
Total revenue									11,342	8,344	5,337
Salaries and benefits									157	138	277
Other operating expenses									831	715	524
Total operating expenses									988	853	801
Leased vehicle expenses									6,415	4,506	2,190
Provision for loan losses (Note 4)									327	266	205
Interest expense									1,765	1,392	1,094
Total costs and expenses									9,495	7,017	4,290
Equity income									173	151	116
Income from continuing operations before income taxes									2,020	1,478	1,163
Income tax (benefit) provision									191	535	393
Income from continuing operations									1,829	943	770
Loss from discontinued operations, net of tax									(143)	118	141
Net income									1,686	1,061	911
Net income attributable to common shareholder									1,686
Comprehensive income									2,195	933	225
Eliminations [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income									0	0	0
Leased vehicle income									0	0	0
Other income									(874)	(675)	(391)
Total revenue									(874)	(675)	(391)
Salaries and benefits									0	0	0
Other operating expenses									(501)	(402)	(251)
Total operating expenses									(501)	(402)	(251)
Leased vehicle expenses									0	0	0
Provision for loan losses (Note 4)									0	0	0
Interest expense									(373)	(273)	(140)
Total costs and expenses									(874)	(675)	(391)
Equity income									(3,665)	(1,765)	(1,520)
Income from continuing operations before income taxes									(3,665)	(1,765)	(1,520)
Income tax (benefit) provision									0	0	0
Income from continuing operations									(3,665)	(1,765)	(1,520)
Loss from discontinued operations, net of tax									0	0	0
Net income									(3,665)	(1,765)	(1,520)
Net income attributable to common shareholder									(3,665)
Comprehensive income									$ (4,226)	$ (1,651)	$ (723)

Guarantor Consolidating Finan98

Guarantor Consolidating Financial Statements - Guarantor Cash Flow (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2017	Dec. 31, 2016
Cash flows from operating activities
Net income	$ 1,085	$ 657	$ 485
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization	6,706	4,789	2,365
Accretion and amortization of loan and leasing fees	(1,711)	(1,136)	(574)
Amortization of carrying value adjustment	0	(28)	(88)
Undistributed earnings of non-consolidated affiliate, net	(173)	(22)	(116)
Provision for loan losses (Note 4)	757	644	603
Deferred income taxes	42	8	128
Stock-based compensation expense	48	25	37
Other operating activities	(306)	(149)	(30)
Changes in assets and liabilities:
Other assets	(54)	(432)	(374)
Accounts payable and accrued expenses	153	209	251
Taxes payable	(29)	(5)	(10)
Related party taxes payable	0	0	(636)
Related party payables	1	1	6
Net cash provided by operating activities - continuing operations	6,519	4,561	2,047
Net cash provided by operating activities - discontinued operations	233	320	121
Net cash provided by operating activities	6,752	4,881	2,168
Cash flows from investing activities
Purchases of retail finance receivables, net	(19,524)	(14,180)	(13,905)
Principal collections and recoveries on retail finance receivables	12,854	9,899	8,548
Proceeds from transfer of retail finance receivables, net	0	0	0
Net funding of commercial finance receivables	(2,584)	(2,467)	(863)
Purchases of leased vehicles, net	(19,180)	(19,483)	(15,276)
Proceeds from termination of leased vehicles	6,667	2,554	1,095
Acquisition of equity interest	0	0	(1,049)
Disposition of equity interest	0	0	125
Purchases of property and equipment	(94)	(93)	(73)
Other investing activities	2	1	15
Net change in due from affiliates	0	0	0
Net change in investment in affiliates	0	0	0
Net cash used in investing activities - continuing operations	(21,859)	(23,769)	(21,383)
Net cash provided by (used in) investing activities - discontinued operations	3	(1,005)	(650)
Net cash used in investing activities	(21,856)	(24,774)	(22,033)
Cash flows from financing activities
Net change in debt (original maturities less than three months)	(105)	(309)	(21)
Borrowings and issuance of secured debt	32,480	27,379	19,203
Payments on secured debt	(27,451)	(17,294)	(11,503)
Borrowings and issuance of unsecured debt	15,883	12,234	12,043
Payments on unsecured debt	(5,018)	(2,754)	(1,652)
Borrowings on related party line of credit	0	418	0
Payments on related party line of credit	0	(418)	0
Proceeds from issuance of preferred stock	985	0	0
Dividends paid	(550)	0	0
Debt issuance costs	(155)	(131)	(134)
Net capital contributions	0	0	649
Other	0	0	1
Net change in due to affiliates	0	0	0
Net cash provided by financing activities - continuing operations	16,069	19,125	18,586
Net cash provided by financing activities - discontinued operations	219	1,109	1,531
Net cash provided by financing activities	16,288	20,234	20,117
Net increase in cash, cash equivalents and restricted cash	1,184	341	252
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash	81	(41)	(295)
Cash, cash equivalents and restricted cash at beginning of period	5,302	5,002	5,045
Cash, cash equivalents and restricted cash at end of period	6,567	5,302	5,002
Supplemental Cash Flow Elements
Cash and cash equivalents				$ 4,265	$ 2,815
Restricted cash included in other assets				2,302
Total	5,302	5,002	5,045	6,567	5,302
Continuing Operations [Member]
Cash flows from financing activities
Cash, cash equivalents and restricted cash at beginning of period	4,630	4,258
Cash, cash equivalents and restricted cash at end of period	6,567	4,630	4,258
Supplemental Cash Flow Elements
Cash and cash equivalents				4,265	2,815
Restricted cash included in other assets				2,302	1,815
Total	4,630	4,258	4,258	6,567	4,630
Discontinued Operations [Member]
Cash flows from financing activities
Cash, cash equivalents and restricted cash at beginning of period	672	744
Cash, cash equivalents and restricted cash at end of period	0	672	744
Supplemental Cash Flow Elements
Total	672	744	744	0	672
Eliminations [Member]
Cash flows from operating activities
Net income	(3,665)	(1,765)	(1,520)
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization	0	0	0
Accretion and amortization of loan and leasing fees	0	0	0
Amortization of carrying value adjustment		0	0
Undistributed earnings of non-consolidated affiliate, net	3,665	1,765	1,520
Provision for loan losses (Note 4)	0	0	0
Deferred income taxes	0	0	0
Stock-based compensation expense	0	0	0
Other operating activities	0	0	0
Changes in assets and liabilities:
Other assets	0	0	0
Accounts payable and accrued expenses	0	0	0
Taxes payable	0	0	0
Related party taxes payable			0
Related party payables	0	0	0
Net cash provided by operating activities - continuing operations	0	0	0
Net cash provided by operating activities - discontinued operations	0	0	0
Net cash provided by operating activities	0	0	0
Cash flows from investing activities
Purchases of retail finance receivables, net	18,214	18,131	13,461
Principal collections and recoveries on retail finance receivables	0	0	0
Proceeds from transfer of retail finance receivables, net	(18,214)	(18,131)	(13,461)
Net funding of commercial finance receivables	0	0	0
Purchases of leased vehicles, net	0	0	0
Proceeds from termination of leased vehicles	0	0	0
Acquisition of equity interest			0
Disposition of equity interest			0
Purchases of property and equipment	0	0	0
Other investing activities	233	169	0
Net change in due from affiliates	17,302	17,474	15,357
Net change in investment in affiliates	(2,343)	(1,126)	1,851
Net cash used in investing activities - continuing operations	15,192	16,517	17,208
Net cash provided by (used in) investing activities - discontinued operations	0	0	(897)
Net cash used in investing activities	15,192	16,517	16,311
Cash flows from financing activities
Net change in debt (original maturities less than three months)	0	0	0
Borrowings and issuance of secured debt	(233)	(169)	0
Payments on secured debt	0	0	0
Borrowings and issuance of unsecured debt	0	0	0
Payments on unsecured debt	0	0	0
Borrowings on related party line of credit		0
Payments on related party line of credit		0
Proceeds from issuance of preferred stock	0
Dividends paid	0
Debt issuance costs	0	0	0
Net capital contributions	2,343	1,126	(1,851)
Other			0
Net change in due to affiliates	(17,302)	(17,474)	(15,357)
Net cash provided by financing activities - continuing operations	(15,192)	(16,517)	(17,208)
Net cash provided by financing activities - discontinued operations	0	0	897
Net cash provided by financing activities	(15,192)	(16,517)	(16,311)
Net increase in cash, cash equivalents and restricted cash	0	0	0
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash	0	0	0
Cash, cash equivalents and restricted cash at beginning of period	0	0	0
Cash, cash equivalents and restricted cash at end of period	0	0	0
Supplemental Cash Flow Elements
Cash and cash equivalents				0	0
Total	0	0	0	0	0
Eliminations [Member] | Continuing Operations [Member]
Cash flows from financing activities
Cash, cash equivalents and restricted cash at beginning of period	0	0
Cash, cash equivalents and restricted cash at end of period	0	0	0
Supplemental Cash Flow Elements
Cash and cash equivalents				0	0
Restricted cash included in other assets				0	0
Total	0	0	0	0	0
Eliminations [Member] | Discontinued Operations [Member]
Cash flows from financing activities
Cash, cash equivalents and restricted cash at beginning of period	0	0
Cash, cash equivalents and restricted cash at end of period	0	0	0
Supplemental Cash Flow Elements
Total	0	0	0	0	0
General Motors Financial Company, Inc. [Member]
Cash flows from operating activities
Net income	929	775	626
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization	44	37	28
Accretion and amortization of loan and leasing fees	0	0	0
Amortization of carrying value adjustment		0	0
Undistributed earnings of non-consolidated affiliate, net	(2,050)	(994)	(941)
Provision for loan losses (Note 4)	0	0	0
Deferred income taxes	(80)	(334)	(169)
Stock-based compensation expense	39	24	33
Other operating activities	171	(299)	32
Changes in assets and liabilities:
Other assets	(5)	18	(3)
Accounts payable and accrued expenses	26	117	100
Taxes payable	(4)	(1)	(12)
Related party taxes payable			(636)
Related party payables	1	0	1
Net cash provided by operating activities - continuing operations	(929)	(657)	(941)
Net cash provided by operating activities - discontinued operations	26	0	0
Net cash provided by operating activities	(903)	(657)	(941)
Cash flows from investing activities
Purchases of retail finance receivables, net	0	0	0
Principal collections and recoveries on retail finance receivables	0	0	0
Proceeds from transfer of retail finance receivables, net	0	0	0
Net funding of commercial finance receivables	0	0	0
Purchases of leased vehicles, net	0	0	0
Proceeds from termination of leased vehicles	0	0	0
Acquisition of equity interest			(513)
Disposition of equity interest			0
Purchases of property and equipment	0	0	0
Other investing activities	0	0	0
Net change in due from affiliates	(10,764)	(8,966)	(9,764)
Net change in investment in affiliates	657	339	42
Net cash used in investing activities - continuing operations	(10,107)	(8,627)	(10,235)
Net cash provided by (used in) investing activities - discontinued operations	729	0	897
Net cash used in investing activities	(9,378)	(8,627)	(9,338)
Cash flows from financing activities
Net change in debt (original maturities less than three months)	129	8	0
Borrowings and issuance of secured debt	0	0	0
Payments on secured debt	0	0	0
Borrowings and issuance of unsecured debt	12,216	10,320	9,687
Payments on unsecured debt	(2,450)	(1,000)	0
Borrowings on related party line of credit		418
Payments on related party line of credit		(418)
Proceeds from issuance of preferred stock	985
Dividends paid	(550)
Debt issuance costs	(49)	(44)	(58)
Net capital contributions	0	0	649
Other			1
Net change in due to affiliates	0	0	0
Net cash provided by financing activities - continuing operations	10,281	9,284	10,279
Net cash provided by financing activities - discontinued operations	0	0	0
Net cash provided by financing activities	10,281	9,284	10,279
Net increase in cash, cash equivalents and restricted cash	0	0	0
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash	0	0	0
Cash, cash equivalents and restricted cash at beginning of period	0	0	0
Cash, cash equivalents and restricted cash at end of period	0	0	0
Supplemental Cash Flow Elements
Cash and cash equivalents				0	0
Total	0	0	0	0	0
General Motors Financial Company, Inc. [Member] | Continuing Operations [Member]
Cash flows from financing activities
Cash, cash equivalents and restricted cash at beginning of period	0	0
Cash, cash equivalents and restricted cash at end of period	0	0	0
Supplemental Cash Flow Elements
Cash and cash equivalents				0	0
Restricted cash included in other assets				0	0
Total	0	0	0	0	0
General Motors Financial Company, Inc. [Member] | Discontinued Operations [Member]
Cash flows from financing activities
Cash, cash equivalents and restricted cash at beginning of period	0	0
Cash, cash equivalents and restricted cash at end of period	0	0	0
Supplemental Cash Flow Elements
Total	0	0	0	0	0
Guarantor [Member]
Cash flows from operating activities
Net income	1,992	704	609
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization	37	26	3
Accretion and amortization of loan and leasing fees	16	17	25
Amortization of carrying value adjustment		(3)	(14)
Undistributed earnings of non-consolidated affiliate, net	(1,615)	(771)	(579)
Provision for loan losses (Note 4)	430	378	398
Deferred income taxes	72	(390)	2
Stock-based compensation expense	0	0	0
Other operating activities	(281)	298	(5)
Changes in assets and liabilities:
Other assets	25	(347)	25
Accounts payable and accrued expenses	56	(438)	531
Taxes payable	0	0	1
Related party taxes payable			0
Related party payables	0	0	0
Net cash provided by operating activities - continuing operations	732	(526)	996
Net cash provided by operating activities - discontinued operations	(14)	(9)	0
Net cash provided by operating activities	718	(535)	996
Cash flows from investing activities
Purchases of retail finance receivables, net	(20,769)	(15,847)	(13,997)
Principal collections and recoveries on retail finance receivables	2,577	1,542	755
Proceeds from transfer of retail finance receivables, net	13,509	13,897	10,428
Net funding of commercial finance receivables	(302)	(191)	6
Purchases of leased vehicles, net	0	0	0
Proceeds from termination of leased vehicles	0	0	0
Acquisition of equity interest			(536)
Disposition of equity interest			125
Purchases of property and equipment	(77)	(82)	(21)
Other investing activities	(233)	(169)	0
Net change in due from affiliates	(6,538)	(8,508)	(5,593)
Net change in investment in affiliates	1,686	787	(1,893)
Net cash used in investing activities - continuing operations	(10,147)	(8,571)	(10,726)
Net cash provided by (used in) investing activities - discontinued operations	0	0	0
Net cash used in investing activities	(10,147)	(8,571)	(10,726)
Cash flows from financing activities
Net change in debt (original maturities less than three months)	0	0	0
Borrowings and issuance of secured debt	0	0	0
Payments on secured debt	0	0	0
Borrowings and issuance of unsecured debt	0	0	0
Payments on unsecured debt	0	0	0
Borrowings on related party line of credit		0
Payments on related party line of credit		0
Proceeds from issuance of preferred stock	0
Dividends paid	0
Debt issuance costs	0	0	0
Net capital contributions	0	0	0
Other			0
Net change in due to affiliates	10,680	9,071	9,751
Net cash provided by financing activities - continuing operations	10,680	9,071	9,751
Net cash provided by financing activities - discontinued operations	0	0	15
Net cash provided by financing activities	10,680	9,071	9,766
Net increase in cash, cash equivalents and restricted cash	1,251	(35)	36
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash	0	0	0
Cash, cash equivalents and restricted cash at beginning of period	2,284	2,319	2,283
Cash, cash equivalents and restricted cash at end of period	3,535	2,284	2,319
Supplemental Cash Flow Elements
Cash and cash equivalents				3,535	2,284
Total	2,284	2,319	2,283	3,535	2,284
Guarantor [Member] | Continuing Operations [Member]
Cash flows from financing activities
Cash, cash equivalents and restricted cash at beginning of period	2,284	2,319
Cash, cash equivalents and restricted cash at end of period	3,535	2,284	2,319
Supplemental Cash Flow Elements
Cash and cash equivalents				3,535	2,284
Restricted cash included in other assets				0	0
Total	2,284	2,319	2,319	3,535	2,284
Guarantor [Member] | Discontinued Operations [Member]
Cash flows from financing activities
Cash, cash equivalents and restricted cash at beginning of period	0	0
Cash, cash equivalents and restricted cash at end of period	0	0	0
Supplemental Cash Flow Elements
Total	0	0	0	0	0
Non-Guarantors [Member]
Cash flows from operating activities
Net income	1,829	943	770
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization	6,625	4,726	2,334
Accretion and amortization of loan and leasing fees	(1,727)	(1,153)	(599)
Amortization of carrying value adjustment		(25)	(74)
Undistributed earnings of non-consolidated affiliate, net	(173)	(22)	(116)
Provision for loan losses (Note 4)	327	266	205
Deferred income taxes	50	732	295
Stock-based compensation expense	9	1	4
Other operating activities	(196)	(148)	(57)
Changes in assets and liabilities:
Other assets	(74)	(103)	(396)
Accounts payable and accrued expenses	71	530	(380)
Taxes payable	(25)	(4)	1
Related party taxes payable			0
Related party payables	0	1	5
Net cash provided by operating activities - continuing operations	6,716	5,744	1,992
Net cash provided by operating activities - discontinued operations	221	329	121
Net cash provided by operating activities	6,937	6,073	2,113
Cash flows from investing activities
Purchases of retail finance receivables, net	(16,969)	(16,464)	(13,369)
Principal collections and recoveries on retail finance receivables	10,277	8,357	7,793
Proceeds from transfer of retail finance receivables, net	4,705	4,234	3,033
Net funding of commercial finance receivables	(2,282)	(2,276)	(869)
Purchases of leased vehicles, net	(19,180)	(19,483)	(15,276)
Proceeds from termination of leased vehicles	6,667	2,554	1,095
Acquisition of equity interest			0
Disposition of equity interest			0
Purchases of property and equipment	(17)	(11)	(52)
Other investing activities	2	1	15
Net change in due from affiliates	0	0	0
Net change in investment in affiliates	0	0	0
Net cash used in investing activities - continuing operations	(16,797)	(23,088)	(17,630)
Net cash provided by (used in) investing activities - discontinued operations	(726)	(1,005)	(650)
Net cash used in investing activities	(17,523)	(24,093)	(18,280)
Cash flows from financing activities
Net change in debt (original maturities less than three months)	(234)	(317)	(21)
Borrowings and issuance of secured debt	32,713	27,548	19,203
Payments on secured debt	(27,451)	(17,294)	(11,503)
Borrowings and issuance of unsecured debt	3,667	1,914	2,356
Payments on unsecured debt	(2,568)	(1,754)	(1,652)
Borrowings on related party line of credit		0
Payments on related party line of credit		0
Proceeds from issuance of preferred stock	0
Dividends paid	0
Debt issuance costs	(106)	(87)	(76)
Net capital contributions	(2,343)	(1,126)	1,851
Other			0
Net change in due to affiliates	6,622	8,403	5,606
Net cash provided by financing activities - continuing operations	10,300	17,287	15,764
Net cash provided by financing activities - discontinued operations	219	1,109	619
Net cash provided by financing activities	10,519	18,396	16,383
Net increase in cash, cash equivalents and restricted cash	(67)	376	216
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash	81	(41)	(295)
Cash, cash equivalents and restricted cash at beginning of period	3,018	2,683	2,762
Cash, cash equivalents and restricted cash at end of period	3,032	3,018	2,683
Supplemental Cash Flow Elements
Cash and cash equivalents				730	531
Total	3,018	2,683	2,762	3,032	3,018
Non-Guarantors [Member] | Continuing Operations [Member]
Cash flows from financing activities
Cash, cash equivalents and restricted cash at beginning of period	2,346	1,939
Cash, cash equivalents and restricted cash at end of period	3,032	2,346	1,939
Supplemental Cash Flow Elements
Cash and cash equivalents				730	531
Restricted cash included in other assets					1,815
Total	2,346	1,939	1,939	3,032	2,346
Non-Guarantors [Member] | Discontinued Operations [Member]
Cash flows from financing activities
Cash, cash equivalents and restricted cash at beginning of period	672	744
Cash, cash equivalents and restricted cash at end of period	0	672	744
Supplemental Cash Flow Elements
Total	$ 672	$ 744	$ 744	$ 0	$ 672