<ARTICLE> 5 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED FINANCIAL STATEMENTS OF AMERICREDIT CORP. INCLUDED IN ITS QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> JAN-30-1997 <PERIOD-START> JUL-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 51,418 <SECURITIES> 6,503 <RECEIVABLES> 239,973 <ALLOWANCES> (12,173) <INVENTORY> 0 <CURRENT-ASSETS> 0 <PP&E> 12,476 <DEPRECIATION> (2,658) <TOTAL-ASSETS> 369,882 <CURRENT-LIABILITIES> 0 <BONDS> 160,536 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 336 <OTHER-SE> 186,946 <TOTAL-LIABILITY-AND-EQUITY> 369,882 <SALES> 0 <TOTAL-REVENUES> 59,670 <CGS> 0 <TOTAL-COSTS> 21,747 <OTHER-EXPENSES> 0 <LOSS-PROVISION> 3,231 <INTEREST-EXPENSE> 6,612 <INCOME-PRETAX> 28,080 <INCOME-TAX> 10,810 <INCOME-CONTINUING> 17,270 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 17,270 <EPS-PRIMARY> .57 <EPS-DILUTED> .57