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    <link:label id="lab_cacc_DealerLoansMember_F053CC1ECF36DBBC11E2F2609F42AB2C_label_en-US" xlink:label="lab_cacc_DealerLoansMember_F053CC1ECF36DBBC11E2F2609F42AB2C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dealer Loans [Member]</link:label>
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    <link:label id="lab_cacc_PurchasedLoansMember_9E74DC3E826B68E5F1C4F2609F42C6F6_terseLabel_en-US" xlink:label="lab_cacc_PurchasedLoansMember_9E74DC3E826B68E5F1C4F2609F42C6F6" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchased Loans [Member]</link:label>
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    <link:label id="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield_03D701F51A08F159FFD3F260A0FADAE2_documentation_en-US" xlink:label="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield_03D701F51A08F159FFD3F260A0FADAE2" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The aggregate excess of a loan's cash flows expected to be collected over the investor's initial investment in the loan for loans with evidence of deterioration of credit quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable.</link:label>
    <link:loc xlink:href="cacc-20140630.xsd#cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield" xlink:label="loc_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYield_03D701F51A08F159FFD3F260A0FADAE2" xlink:type="locator" />
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    <link:label id="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions_3C1EB7BFAA4C4C8801F8F260A0FA8BAB_terseLabel_en-US" xlink:label="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions_3C1EB7BFAA4C4C8801F8F260A0FA8BAB" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">New Consumer Loan assignments</link:label>
    <link:label id="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions_3C1EB7BFAA4C4C8801F8F260A0FA8BAB_label_en-US" xlink:label="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions_3C1EB7BFAA4C4C8801F8F260A0FA8BAB" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Additions</link:label>
    <link:label id="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions_3C1EB7BFAA4C4C8801F8F260A0FA8BAB_documentation_en-US" xlink:label="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldAdditions_3C1EB7BFAA4C4C8801F8F260A0FA8BAB" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increases in the aggregate excess of a loan's cash flows expected to be collected over the investor's initial investment in the loan due to the acquisition of similar loans during the period. This relates to loans with evidence of deterioration of credit quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable.</link:label>
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    <link:label id="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference_A32CB6788397ABACD889F260A0FA6952_terseLabel_en-US" xlink:label="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference_A32CB6788397ABACD889F260A0FA6952" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forecast changes</link:label>
    <link:label id="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference_A32CB6788397ABACD889F260A0FA6952_label_en-US" xlink:label="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference_A32CB6788397ABACD889F260A0FA6952" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Reclassifications From Nonaccretable Difference</link:label>
    <link:label id="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference_A32CB6788397ABACD889F260A0FA6952_documentation_en-US" xlink:label="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifference_A32CB6788397ABACD889F260A0FA6952" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Change in the estimate of cash flows expected to be collected, after acquisition of a loan, which results in an increase in accretable yield (for example, if actual cash flows are significantly greater than previously expected). This relates to loans with evidence of deterioration of credit quality since origination that was acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable.</link:label>
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    <link:label id="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers_E14951859005169C90ADF260A0FA086F_terseLabel_en-US" xlink:label="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers_E14951859005169C90ADF260A0FA086F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers</link:label>
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    <link:label id="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers_E14951859005169C90ADF260A0FA086F_documentation_en-US" xlink:label="lab_cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldTransfers_E14951859005169C90ADF260A0FA086F" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Certain Loans Acquired In Transfer Accounted For As Loans Accretable Yield Transfers</link:label>
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    <link:label id="lab_us-gaap_IncomeTaxDisclosureAbstract_EB2D35DEA9931D7BAF24F260A0647688_label_en-US" xlink:label="lab_us-gaap_IncomeTaxDisclosureAbstract_EB2D35DEA9931D7BAF24F260A0647688" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Disclosure [Abstract]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_EB2D35DEA9931D7BAF24F260A0647688" xlink:type="locator" />
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    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_CA3FA01D81F9FDAAEC81F260A064585B_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_CA3FA01D81F9FDAAEC81F260A064585B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">U.S. federal statutory rate</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_CA3FA01D81F9FDAAEC81F260A064585B_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_CA3FA01D81F9FDAAEC81F260A064585B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_CA3FA01D81F9FDAAEC81F260A064585B" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_CA3FA01D81F9FDAAEC81F260A064585B" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_CA3FA01D81F9FDAAEC81F260A064585B" xlink:type="arc" />
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_4998A4E5ADE4EAC704E9F260A064B7D2_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_4998A4E5ADE4EAC704E9F260A064B7D2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">State income taxes</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_4998A4E5ADE4EAC704E9F260A064B7D2_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_4998A4E5ADE4EAC704E9F260A064B7D2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_4998A4E5ADE4EAC704E9F260A064B7D2" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_4998A4E5ADE4EAC704E9F260A064B7D2" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_4998A4E5ADE4EAC704E9F260A064B7D2" xlink:type="arc" />
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxSettlements_ACBE4BD36AFB2CC56643F260A0642ABA_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxSettlements_ACBE4BD36AFB2CC56643F260A0642ABA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in reserve for uncertain tax positions as a result of settlements and lapsed statutes and related interest</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxSettlements" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxSettlements_ACBE4BD36AFB2CC56643F260A0642ABA" xlink:type="locator" />
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_256905F6F424339B0FCBF260A06406E1" xlink:type="locator" />
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_499AF3D1894D2FB0634DF260A0640C07" xlink:type="locator" />
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    <link:label id="lab_us-gaap_IncomeStatementAbstract_0E50FCC3D89D151000326E3276DE874E_label_en-US" xlink:label="lab_us-gaap_IncomeStatementAbstract_0E50FCC3D89D151000326E3276DE874E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Statement [Abstract]</link:label>
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    <link:label id="lab_cacc_SummaryOfSignificantAccountingPoliciesLineItems_B5E0AA618C4995142BE66E3276981B33_documentation_en-US" xlink:label="lab_cacc_SummaryOfSignificantAccountingPoliciesLineItems_B5E0AA618C4995142BE66E3276981B33" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Summary Of Significant Accounting Policies [Line Items]</link:label>
    <link:loc xlink:href="cacc-20140630.xsd#cacc_SummaryOfSignificantAccountingPoliciesLineItems" xlink:label="loc_cacc_SummaryOfSignificantAccountingPoliciesLineItems_B5E0AA618C4995142BE66E3276981B33" xlink:type="locator" />
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_60D1616E035C1DDA99B26E327698EF5E_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_60D1616E035C1DDA99B26E327698EF5E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Within one year</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_60D1616E035C1DDA99B26E327698EF5E_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_60D1616E035C1DDA99B26E327698EF5E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value</link:label>
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_F121EEB3826371CDDB536E327698E0E1_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_F121EEB3826371CDDB536E327698E0E1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Over one year to five years</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_F121EEB3826371CDDB536E327698E0E1_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_F121EEB3826371CDDB536E327698E0E1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value</link:label>
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    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_F121EEB3826371CDDB536E327698E0E1" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_F121EEB3826371CDDB536E327698E0E1" xlink:type="arc" />
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesRestricted_6BA63D36A3ED5B2FFA1E6E327698AC6A_totalLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesRestricted_6BA63D36A3ED5B2FFA1E6E327698AC6A" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total restricted securities available for sale</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesRestricted_6BA63D36A3ED5B2FFA1E6E327698AC6A_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesRestricted_6BA63D36A3ED5B2FFA1E6E327698AC6A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Available-for-sale Securities, Restricted</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesRestricted" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesRestricted_6BA63D36A3ED5B2FFA1E6E327698AC6A" xlink:type="locator" />
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    <link:label id="lab_us-gaap_DebtDisclosureAbstract_306C33F8E6968E864DB3F260A014ADD0_label_en-US" xlink:label="lab_us-gaap_DebtDisclosureAbstract_306C33F8E6968E864DB3F260A014ADD0" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Disclosure [Abstract]</link:label>
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    <link:label id="lab_us-gaap_DebtDisclosureTextBlock_E7D79DC568B5C4922387F260A014F120_terseLabel_en-US" xlink:label="lab_us-gaap_DebtDisclosureTextBlock_E7D79DC568B5C4922387F260A014F120" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt</link:label>
    <link:label id="lab_us-gaap_DebtDisclosureTextBlock_E7D79DC568B5C4922387F260A014F120_label_en-US" xlink:label="lab_us-gaap_DebtDisclosureTextBlock_E7D79DC568B5C4922387F260A014F120" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Disclosure [Text Block]</link:label>
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    <link:label id="lab_us-gaap_ClassOfTreasuryStockTable_55B2D47A601D49A81A2E7DCEB12A15C8_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfTreasuryStockTable_55B2D47A601D49A81A2E7DCEB12A15C8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Treasury Stock [Table]</link:label>
    <link:label id="lab_us-gaap_ClassOfTreasuryStockTable_55B2D47A601D49A81A2E7DCEB12A15C8_label_en-US" xlink:label="lab_us-gaap_ClassOfTreasuryStockTable_55B2D47A601D49A81A2E7DCEB12A15C8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Treasury Stock [Table]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfTreasuryStockTable" xlink:label="loc_us-gaap_ClassOfTreasuryStockTable_55B2D47A601D49A81A2E7DCEB12A15C8" xlink:type="locator" />
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    <link:label id="lab_us-gaap_ShareRepurchaseProgramAxis_57AAF7843B9FF816B84F7DCEB12A3438_terseLabel_en-US" xlink:label="lab_us-gaap_ShareRepurchaseProgramAxis_57AAF7843B9FF816B84F7DCEB12A3438" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share Repurchase Program [Axis]</link:label>
    <link:label id="lab_us-gaap_ShareRepurchaseProgramAxis_57AAF7843B9FF816B84F7DCEB12A3438_label_en-US" xlink:label="lab_us-gaap_ShareRepurchaseProgramAxis_57AAF7843B9FF816B84F7DCEB12A3438" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Repurchase Program [Axis]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareRepurchaseProgramAxis" xlink:label="loc_us-gaap_ShareRepurchaseProgramAxis_57AAF7843B9FF816B84F7DCEB12A3438" xlink:type="locator" />
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    <link:label id="lab_us-gaap_ShareRepurchaseProgramDomain_95315CF62C816F1E5FB77DCEB12A0812_terseLabel_en-US" xlink:label="lab_us-gaap_ShareRepurchaseProgramDomain_95315CF62C816F1E5FB77DCEB12A0812" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share Repurchase Program [Domain]</link:label>
    <link:label id="lab_us-gaap_ShareRepurchaseProgramDomain_95315CF62C816F1E5FB77DCEB12A0812_label_en-US" xlink:label="lab_us-gaap_ShareRepurchaseProgramDomain_95315CF62C816F1E5FB77DCEB12A0812" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Repurchase Program [Domain]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareRepurchaseProgramDomain" xlink:label="loc_us-gaap_ShareRepurchaseProgramDomain_95315CF62C816F1E5FB77DCEB12A0812" xlink:type="locator" />
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    <link:label id="lab_cacc_OpenMarketMember_762B4AD7A7DEEB9F845B7DCEB12AFB81_terseLabel_en-US" xlink:label="lab_cacc_OpenMarketMember_762B4AD7A7DEEB9F845B7DCEB12AFB81" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Open Market [Member]</link:label>
    <link:label id="lab_cacc_OpenMarketMember_762B4AD7A7DEEB9F845B7DCEB12AFB81_label_en-US" xlink:label="lab_cacc_OpenMarketMember_762B4AD7A7DEEB9F845B7DCEB12AFB81" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Open Market [Member]</link:label>
    <link:label id="lab_cacc_OpenMarketMember_762B4AD7A7DEEB9F845B7DCEB12AFB81_documentation_en-US" xlink:label="lab_cacc_OpenMarketMember_762B4AD7A7DEEB9F845B7DCEB12AFB81" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Open Market [Member]</link:label>
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    <link:label id="lab_cacc_TenderOfferMember_01E2EE1C2CEE96D88EE67DCEB12A7FDB_terseLabel_en-US" xlink:label="lab_cacc_TenderOfferMember_01E2EE1C2CEE96D88EE67DCEB12A7FDB" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tender Offer [Member]</link:label>
    <link:label id="lab_cacc_TenderOfferMember_01E2EE1C2CEE96D88EE67DCEB12A7FDB_label_en-US" xlink:label="lab_cacc_TenderOfferMember_01E2EE1C2CEE96D88EE67DCEB12A7FDB" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tender Offer [Member]</link:label>
    <link:label id="lab_cacc_TenderOfferMember_01E2EE1C2CEE96D88EE67DCEB12A7FDB_documentation_en-US" xlink:label="lab_cacc_TenderOfferMember_01E2EE1C2CEE96D88EE67DCEB12A7FDB" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tender Offer [Member]</link:label>
    <link:loc xlink:href="cacc-20140630.xsd#cacc_TenderOfferMember" xlink:label="loc_cacc_TenderOfferMember_01E2EE1C2CEE96D88EE67DCEB12A7FDB" xlink:type="locator" />
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    <link:label id="lab_us-gaap_Depreciation_968BBC8ADE7230F39A9B8814602A1956_label_en-US" xlink:label="lab_us-gaap_Depreciation_968BBC8ADE7230F39A9B8814602A1956" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depreciation</link:label>
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    <link:label id="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_0F9DCB7060CCA5B276458814602F8EF6_label_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_0F9DCB7060CCA5B276458814602F8EF6" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Income Tax Expense (Benefit)</link:label>
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    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_6A9ECB597497928F17B58328DFDE9556_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_6A9ECB597497928F17B58328DFDE9556" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of credit facility</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_6A9ECB597497928F17B58328DFDE9556" xlink:type="locator" />
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    <link:label id="lab_us-gaap_LineOfCreditFacilityExpirationDate1_E32D1955E7B00DF8BAA48328DFDEC908_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityExpirationDate1_E32D1955E7B00DF8BAA48328DFDEC908" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of credit maturity date</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LineOfCreditFacilityExpirationDate1" xlink:label="loc_us-gaap_LineOfCreditFacilityExpirationDate1_E32D1955E7B00DF8BAA48328DFDEC908" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityExpirationDate1_E32D1955E7B00DF8BAA48328DFDEC908" xlink:to="lab_us-gaap_LineOfCreditFacilityExpirationDate1_E32D1955E7B00DF8BAA48328DFDEC908" xlink:type="arc" />
    <link:label id="lab_cacc_PercentageOfNetBookValueOfLoans_794EB35B62D23A3F24398328DFDEECC2_terseLabel_en-US" xlink:label="lab_cacc_PercentageOfNetBookValueOfLoans_794EB35B62D23A3F24398328DFDEECC2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of net book value of loans</link:label>
    <link:label id="lab_cacc_PercentageOfNetBookValueOfLoans_794EB35B62D23A3F24398328DFDEECC2_label_en-US" xlink:label="lab_cacc_PercentageOfNetBookValueOfLoans_794EB35B62D23A3F24398328DFDEECC2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Net Book Value Of Loans</link:label>
    <link:label id="lab_cacc_PercentageOfNetBookValueOfLoans_794EB35B62D23A3F24398328DFDEECC2_documentation_en-US" xlink:label="lab_cacc_PercentageOfNetBookValueOfLoans_794EB35B62D23A3F24398328DFDEECC2" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of net book value of loans, maximum.</link:label>
    <link:loc xlink:href="cacc-20140630.xsd#cacc_PercentageOfNetBookValueOfLoans" xlink:label="loc_cacc_PercentageOfNetBookValueOfLoans_794EB35B62D23A3F24398328DFDEECC2" xlink:type="locator" />
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    <link:label id="lab_cacc_MaximumHedgingReserve_AB53BEF3ADBB43DE10928328DFDEE410_terseLabel_en-US" xlink:label="lab_cacc_MaximumHedgingReserve_AB53BEF3ADBB43DE10928328DFDEE410" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum hedging reserve</link:label>
    <link:label id="lab_cacc_MaximumHedgingReserve_AB53BEF3ADBB43DE10928328DFDEE410_label_en-US" xlink:label="lab_cacc_MaximumHedgingReserve_AB53BEF3ADBB43DE10928328DFDEE410" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum Hedging Reserve</link:label>
    <link:label id="lab_cacc_MaximumHedgingReserve_AB53BEF3ADBB43DE10928328DFDEE410_documentation_en-US" xlink:label="lab_cacc_MaximumHedgingReserve_AB53BEF3ADBB43DE10928328DFDEE410" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maximum hedging reserve</link:label>
    <link:loc xlink:href="cacc-20140630.xsd#cacc_MaximumHedgingReserve" xlink:label="loc_cacc_MaximumHedgingReserve_AB53BEF3ADBB43DE10928328DFDEE410" xlink:type="locator" />
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    <link:label id="lab_cacc_NumberWarehouseFacilities_7090EB1C13CE695C30FF8328DFDEC5EB_terseLabel_en-US" xlink:label="lab_cacc_NumberWarehouseFacilities_7090EB1C13CE695C30FF8328DFDEC5EB" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of warehouse facilities</link:label>
    <link:label id="lab_cacc_NumberWarehouseFacilities_7090EB1C13CE695C30FF8328DFDEC5EB_label_en-US" xlink:label="lab_cacc_NumberWarehouseFacilities_7090EB1C13CE695C30FF8328DFDEC5EB" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Warehouse Facilities</link:label>
    <link:label id="lab_cacc_NumberWarehouseFacilities_7090EB1C13CE695C30FF8328DFDEC5EB_documentation_en-US" xlink:label="lab_cacc_NumberWarehouseFacilities_7090EB1C13CE695C30FF8328DFDEC5EB" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Warehouse Facilities</link:label>
    <link:loc xlink:href="cacc-20140630.xsd#cacc_NumberWarehouseFacilities" xlink:label="loc_cacc_NumberWarehouseFacilities_7090EB1C13CE695C30FF8328DFDEC5EB" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cacc_NumberWarehouseFacilities_7090EB1C13CE695C30FF8328DFDEC5EB" xlink:to="lab_cacc_NumberWarehouseFacilities_7090EB1C13CE695C30FF8328DFDEC5EB" xlink:type="arc" />
    <link:label id="lab_cacc_PercentageOfCollectionsOnContributedLoans_DCE31E1BCE5803F75C518328DFDE2C61_terseLabel_en-US" xlink:label="lab_cacc_PercentageOfCollectionsOnContributedLoans_DCE31E1BCE5803F75C518328DFDE2C61" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of collections on contributed loans</link:label>
    <link:label id="lab_cacc_PercentageOfCollectionsOnContributedLoans_DCE31E1BCE5803F75C518328DFDE2C61_label_en-US" xlink:label="lab_cacc_PercentageOfCollectionsOnContributedLoans_DCE31E1BCE5803F75C518328DFDE2C61" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of collections on contributed loans</link:label>
    <link:label id="lab_cacc_PercentageOfCollectionsOnContributedLoans_DCE31E1BCE5803F75C518328DFDE2C61_documentation_en-US" xlink:label="lab_cacc_PercentageOfCollectionsOnContributedLoans_DCE31E1BCE5803F75C518328DFDE2C61" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of collections on contributed loans</link:label>
    <link:loc xlink:href="cacc-20140630.xsd#cacc_PercentageOfCollectionsOnContributedLoans" xlink:label="loc_cacc_PercentageOfCollectionsOnContributedLoans_DCE31E1BCE5803F75C518328DFDE2C61" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cacc_PercentageOfCollectionsOnContributedLoans_DCE31E1BCE5803F75C518328DFDE2C61" xlink:to="lab_cacc_PercentageOfCollectionsOnContributedLoans_DCE31E1BCE5803F75C518328DFDE2C61" xlink:type="arc" />
    <link:label id="lab_cacc_MonthlyServicingFeePerFinancing_9624BDDDDAC0AE3A81138328DFDE86C9_terseLabel_en-US" xlink:label="lab_cacc_MonthlyServicingFeePerFinancing_9624BDDDDAC0AE3A81138328DFDE86C9" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Monthly servicing fee per financing</link:label>
    <link:label id="lab_cacc_MonthlyServicingFeePerFinancing_9624BDDDDAC0AE3A81138328DFDE86C9_label_en-US" xlink:label="lab_cacc_MonthlyServicingFeePerFinancing_9624BDDDDAC0AE3A81138328DFDE86C9" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Monthly Servicing Fee Per Financing</link:label>
    <link:label id="lab_cacc_MonthlyServicingFeePerFinancing_9624BDDDDAC0AE3A81138328DFDE86C9_documentation_en-US" xlink:label="lab_cacc_MonthlyServicingFeePerFinancing_9624BDDDDAC0AE3A81138328DFDE86C9" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Monthly Servicing Fee Per Financing</link:label>
    <link:loc xlink:href="cacc-20140630.xsd#cacc_MonthlyServicingFeePerFinancing" xlink:label="loc_cacc_MonthlyServicingFeePerFinancing_9624BDDDDAC0AE3A81138328DFDE86C9" xlink:type="locator" />
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    <link:label id="lab_cacc_Debtfinancingclosedate_68475291909056F45C2D832A744F969A_terseLabel_en-US" xlink:label="lab_cacc_Debtfinancingclosedate_68475291909056F45C2D832A744F969A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt financing close date</link:label>
    <link:loc xlink:href="cacc-20140630.xsd#cacc_Debtfinancingclosedate" xlink:label="loc_cacc_Debtfinancingclosedate_68475291909056F45C2D832A744F969A" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cacc_Debtfinancingclosedate_68475291909056F45C2D832A744F969A" xlink:to="lab_cacc_Debtfinancingclosedate_68475291909056F45C2D832A744F969A" xlink:type="arc" />
    <link:label id="lab_us-gaap_DebtInstrumentIssuanceDate1_F43870BE615079994E8A8328DFDE0D67_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentIssuanceDate1_F43870BE615079994E8A8328DFDE0D67" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Close date, secured financings</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentIssuanceDate1_F43870BE615079994E8A8328DFDE0D67_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentIssuanceDate1_F43870BE615079994E8A8328DFDE0D67" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Issuance Date</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentIssuanceDate1" xlink:label="loc_us-gaap_DebtInstrumentIssuanceDate1_F43870BE615079994E8A8328DFDE0D67" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentIssuanceDate1_F43870BE615079994E8A8328DFDE0D67" xlink:to="lab_us-gaap_DebtInstrumentIssuanceDate1_F43870BE615079994E8A8328DFDE0D67" xlink:type="arc" />
    <link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_124A33250F4A9B4C048C8328DFDE51BB_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_124A33250F4A9B4C048C8328DFDE51BB" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior notes stated interest rate</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_124A33250F4A9B4C048C8328DFDE51BB_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_124A33250F4A9B4C048C8328DFDE51BB" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Interest Rate, Stated Percentage</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_124A33250F4A9B4C048C8328DFDE51BB" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_124A33250F4A9B4C048C8328DFDE51BB" xlink:to="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_124A33250F4A9B4C048C8328DFDE51BB" xlink:type="arc" />
    <link:label id="lab_us-gaap_RepaymentsOfSeniorDebt_F0508DA7DEAB6106AEFE8328DFDEA6E7_terseLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfSeniorDebt_F0508DA7DEAB6106AEFE8328DFDEA6E7" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repayment of senior notes</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepaymentsOfSeniorDebt" xlink:label="loc_us-gaap_RepaymentsOfSeniorDebt_F0508DA7DEAB6106AEFE8328DFDEA6E7" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfSeniorDebt_F0508DA7DEAB6106AEFE8328DFDEA6E7" xlink:to="lab_us-gaap_RepaymentsOfSeniorDebt_F0508DA7DEAB6106AEFE8328DFDEA6E7" xlink:type="arc" />
    <link:label id="lab_us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed_C4E8444250256A2953608328DFDEDF3B_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed_C4E8444250256A2953608328DFDEDF3B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Redemption price, percentage of principal amount redeemed</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed_C4E8444250256A2953608328DFDEDF3B_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed_C4E8444250256A2953608328DFDEDF3B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Redemption Price, Percentage of Principal Amount Redeemed</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed_C4E8444250256A2953608328DFDEDF3B" xlink:type="locator" />
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    <link:label id="lab_us-gaap_RepaymentsOfOtherDebt_85ECD29B2ABFF7FDEDC98328DFDE3BF4_terseLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfOtherDebt_85ECD29B2ABFF7FDEDC98328DFDE3BF4" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repayments of other debt</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepaymentsOfOtherDebt" xlink:label="loc_us-gaap_RepaymentsOfOtherDebt_85ECD29B2ABFF7FDEDC98328DFDE3BF4" xlink:type="locator" />
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    <link:label id="lab_cacc_DebtInstrumentCovenantNetIncomeForPastTwoQuarters_2914F8D2BE0A08667AB78328DFDE1AEE_terseLabel_en-US" xlink:label="lab_cacc_DebtInstrumentCovenantNetIncomeForPastTwoQuarters_2914F8D2BE0A08667AB78328DFDE1AEE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt covenants</link:label>
    <link:label id="lab_cacc_DebtInstrumentCovenantNetIncomeForPastTwoQuarters_2914F8D2BE0A08667AB78328DFDE1AEE_label_en-US" xlink:label="lab_cacc_DebtInstrumentCovenantNetIncomeForPastTwoQuarters_2914F8D2BE0A08667AB78328DFDE1AEE" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument Covenant Net Income For Past Two Quarters</link:label>
    <link:label id="lab_cacc_DebtInstrumentCovenantNetIncomeForPastTwoQuarters_2914F8D2BE0A08667AB78328DFDE1AEE_documentation_en-US" xlink:label="lab_cacc_DebtInstrumentCovenantNetIncomeForPastTwoQuarters_2914F8D2BE0A08667AB78328DFDE1AEE" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Instrument Covenant Net Income For Past Two Quarters</link:label>
    <link:loc xlink:href="cacc-20140630.xsd#cacc_DebtInstrumentCovenantNetIncomeForPastTwoQuarters" xlink:label="loc_cacc_DebtInstrumentCovenantNetIncomeForPastTwoQuarters_2914F8D2BE0A08667AB78328DFDE1AEE" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cacc_DebtInstrumentCovenantNetIncomeForPastTwoQuarters_2914F8D2BE0A08667AB78328DFDE1AEE" xlink:to="lab_cacc_DebtInstrumentCovenantNetIncomeForPastTwoQuarters_2914F8D2BE0A08667AB78328DFDE1AEE" xlink:type="arc" />
    <link:label id="lab_us-gaap_LossContingencyNumberOfPlaintiffs_212E529CD2784CB8BF88F260A00ACC8A_terseLabel_en-US" xlink:label="lab_us-gaap_LossContingencyNumberOfPlaintiffs_212E529CD2784CB8BF88F260A00ACC8A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of dealers alleging damages</link:label>
    <link:label id="lab_us-gaap_LossContingencyNumberOfPlaintiffs_212E529CD2784CB8BF88F260A00ACC8A_label_en-US" xlink:label="lab_us-gaap_LossContingencyNumberOfPlaintiffs_212E529CD2784CB8BF88F260A00ACC8A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loss Contingency, Number of Plaintiffs</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyNumberOfPlaintiffs" xlink:label="loc_us-gaap_LossContingencyNumberOfPlaintiffs_212E529CD2784CB8BF88F260A00ACC8A" xlink:type="locator" />
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