<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019dd51a-f62c-7ab5-b3e3-2dfeed96913a,g:266377cb-50a6-4929-8c90-a647fc1d52b2-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:cacc="http://www.creditacceptance.com/20260331" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.creditacceptance.com/20260331">
  <xs:import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd/2026" schemaLocation="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/exch/2026" schemaLocation="https://xbrl.sec.gov/exch/2026/exch-2026.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cacc-20260331_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cacc-20260331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cacc-20260331_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cacc-20260331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="Cover" roleURI="http://www.creditacceptance.com/role/Cover">
        <link:definition>0000001 - Document - Cover</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Exchange" roleURI="http://www.creditacceptance.com/role/Exchange">
        <link:definition>0000002 - Document - Exchange</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedBalanceSheetsUnaudited" roleURI="http://www.creditacceptance.com/role/ConsolidatedBalanceSheetsUnaudited">
        <link:definition>9952151 - Statement - Consolidated Balance Sheets (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofIncomeUnaudited" roleURI="http://www.creditacceptance.com/role/ConsolidatedStatementsofIncomeUnaudited">
        <link:definition>9952152 - Statement - Consolidated Statements of Income (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofComprehensiveIncomeUnaudited" roleURI="http://www.creditacceptance.com/role/ConsolidatedStatementsofComprehensiveIncomeUnaudited">
        <link:definition>9952153 - Statement - Consolidated Statements of Comprehensive Income (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofShareholdersEquityUnaudited" roleURI="http://www.creditacceptance.com/role/ConsolidatedStatementsofShareholdersEquityUnaudited">
        <link:definition>9952154 - Statement - Consolidated Statements of Shareholders' Equity (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofCashFlowsUnaudited" roleURI="http://www.creditacceptance.com/role/ConsolidatedStatementsofCashFlowsUnaudited">
        <link:definition>9952155 - Statement - Consolidated Statements of Cash Flows (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BasisofPresentation" roleURI="http://www.creditacceptance.com/role/BasisofPresentation">
        <link:definition>9952156 - Disclosure - Basis of Presentation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DescriptionofBusiness" roleURI="http://www.creditacceptance.com/role/DescriptionofBusiness">
        <link:definition>9952157 - Disclosure - Description of Business</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPolicies" roleURI="http://www.creditacceptance.com/role/SummaryofSignificantAccountingPolicies">
        <link:definition>9952158 - Disclosure - Summary of Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialInstruments" roleURI="http://www.creditacceptance.com/role/FairValueofFinancialInstruments">
        <link:definition>9952159 - Disclosure - Fair Value of Financial Instruments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RestrictedSecuritiesAvailableforSale" roleURI="http://www.creditacceptance.com/role/RestrictedSecuritiesAvailableforSale">
        <link:definition>9952160 - Disclosure - Restricted Securities Available for Sale</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivable" roleURI="http://www.creditacceptance.com/role/LoansReceivable">
        <link:definition>9952161 - Disclosure - Loans Receivable</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Reinsurance" roleURI="http://www.creditacceptance.com/role/Reinsurance">
        <link:definition>9952162 - Disclosure - Reinsurance</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OtherIncome" roleURI="http://www.creditacceptance.com/role/OtherIncome">
        <link:definition>9952163 - Disclosure - Other Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Debt" roleURI="http://www.creditacceptance.com/role/Debt">
        <link:definition>9952164 - Disclosure - Debt</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxes" roleURI="http://www.creditacceptance.com/role/IncomeTaxes">
        <link:definition>9952165 - Disclosure - Income Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetIncomePerShare" roleURI="http://www.creditacceptance.com/role/NetIncomePerShare">
        <link:definition>9952166 - Disclosure - Net Income Per Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockRepurchases" roleURI="http://www.creditacceptance.com/role/StockRepurchases">
        <link:definition>9952167 - Disclosure - Stock Repurchases</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockBasedCompensationPlans" roleURI="http://www.creditacceptance.com/role/StockBasedCompensationPlans">
        <link:definition>9952168 - Disclosure - Stock-Based Compensation Plans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentReporting" roleURI="http://www.creditacceptance.com/role/SegmentReporting">
        <link:definition>9952169 - Disclosure - Segment Reporting</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingencies" roleURI="http://www.creditacceptance.com/role/CommitmentsandContingencies">
        <link:definition>9952170 - Disclosure - Commitments and Contingencies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubsequentEvents" roleURI="http://www.creditacceptance.com/role/SubsequentEvents">
        <link:definition>9952171 - Disclosure - Subsequent Events</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesPolicy" roleURI="http://www.creditacceptance.com/role/SummaryofSignificantAccountingPoliciesPolicy">
        <link:definition>9955511 - Disclosure - Summary of Significant Accounting Policies (Policy)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DescriptionofBusinessTables" roleURI="http://www.creditacceptance.com/role/DescriptionofBusinessTables">
        <link:definition>9955512 - Disclosure - Description of Business (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesTables" roleURI="http://www.creditacceptance.com/role/SummaryofSignificantAccountingPoliciesTables">
        <link:definition>9955513 - Disclosure - Summary of Significant Accounting Policies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialInstrumentsTables" roleURI="http://www.creditacceptance.com/role/FairValueofFinancialInstrumentsTables">
        <link:definition>9955514 - Disclosure - Fair Value of Financial Instruments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RestrictedSecuritiesAvailableForSaleTables" roleURI="http://www.creditacceptance.com/role/RestrictedSecuritiesAvailableForSaleTables">
        <link:definition>9955515 - Disclosure - Restricted Securities Available For Sale (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableTables" roleURI="http://www.creditacceptance.com/role/LoansReceivableTables">
        <link:definition>9955516 - Disclosure - Loans Receivable (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceTables" roleURI="http://www.creditacceptance.com/role/ReinsuranceTables">
        <link:definition>9955517 - Disclosure - Reinsurance (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OtherIncomeTables" roleURI="http://www.creditacceptance.com/role/OtherIncomeTables">
        <link:definition>9955518 - Disclosure - Other Income (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtTables" roleURI="http://www.creditacceptance.com/role/DebtTables">
        <link:definition>9955519 - Disclosure - Debt (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesTables" roleURI="http://www.creditacceptance.com/role/IncomeTaxesTables">
        <link:definition>9955520 - Disclosure - Income Taxes (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetIncomePerShareTables" roleURI="http://www.creditacceptance.com/role/NetIncomePerShareTables">
        <link:definition>9955521 - Disclosure - Net Income Per Share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockRepurchasesTables" roleURI="http://www.creditacceptance.com/role/StockRepurchasesTables">
        <link:definition>9955522 - Disclosure - Stock Repurchases (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockBasedCompensationPlansTables" roleURI="http://www.creditacceptance.com/role/StockBasedCompensationPlansTables">
        <link:definition>9955523 - Disclosure - Stock-Based Compensation Plans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentReportingTables" roleURI="http://www.creditacceptance.com/role/SegmentReportingTables">
        <link:definition>9955524 - Disclosure - Segment Reporting (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubsequentEventsTables" roleURI="http://www.creditacceptance.com/role/SubsequentEventsTables">
        <link:definition>9955525 - Disclosure - Subsequent Events (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DescriptionofBusinessNarrativeDetails" roleURI="http://www.creditacceptance.com/role/DescriptionofBusinessNarrativeDetails">
        <link:definition>9955526 - Disclosure - Description of Business (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DescriptionofBusinessPercentageofConsumerLoansAssignedwithFICOScoreofLessThan650orNoFICOScoreDetails" roleURI="http://www.creditacceptance.com/role/DescriptionofBusinessPercentageofConsumerLoansAssignedwithFICOScoreofLessThan650orNoFICOScoreDetails">
        <link:definition>9955527 - Disclosure - Description of Business (Percentage of Consumer Loans Assigned with FICO Score of Less Than 650 or No FICO Score) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DescriptionofBusinessPercentageofConsumerLoansAssignedBasedonVolumesDetails" roleURI="http://www.creditacceptance.com/role/DescriptionofBusinessPercentageofConsumerLoansAssignedBasedonVolumesDetails">
        <link:definition>9955528 - Disclosure - Description of Business (Percentage of Consumer Loans Assigned Based on Volumes) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesNarrativeDetails" roleURI="http://www.creditacceptance.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails">
        <link:definition>9955529 - Disclosure - Summary of Significant Accounting Policies (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesNarrativeDetails_1" roleURI="http://www.creditacceptance.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails_1">
        <link:definition>9955529 - Disclosure - Summary of Significant Accounting Policies (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesScheduleofCashandCashEquivalentsDetails" roleURI="http://www.creditacceptance.com/role/SummaryofSignificantAccountingPoliciesScheduleofCashandCashEquivalentsDetails">
        <link:definition>9955530 - Disclosure - Summary of Significant Accounting Policies (Schedule of Cash and Cash Equivalents) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialInstrumentsScheduleofComparisonoftheCarryingValueandEstimatedFairValueofFinancialInstrumentsDetails" roleURI="http://www.creditacceptance.com/role/FairValueofFinancialInstrumentsScheduleofComparisonoftheCarryingValueandEstimatedFairValueofFinancialInstrumentsDetails">
        <link:definition>9955531 - Disclosure - Fair Value of Financial Instruments (Schedule of Comparison of the Carrying Value and Estimated Fair Value of Financial Instruments) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialInstrumentsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" roleURI="http://www.creditacceptance.com/role/FairValueofFinancialInstrumentsScheduleofAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails">
        <link:definition>9955532 - Disclosure - Fair Value of Financial Instruments (Schedule of Assets and Liabilities, Measured at Fair Value on a Recurring Basis) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RestrictedSecuritiesAvailableforSaleScheduleofRestrictedSecuritiesAvailableforSaleDetails" roleURI="http://www.creditacceptance.com/role/RestrictedSecuritiesAvailableforSaleScheduleofRestrictedSecuritiesAvailableforSaleDetails">
        <link:definition>9955533 - Disclosure - Restricted Securities Available for Sale (Schedule of Restricted Securities Available for Sale) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RestrictedSecuritiesAvailableforSaleScheduleofRestrictedSecuritiesAvailableforSalebyAgingCategoryDetails" roleURI="http://www.creditacceptance.com/role/RestrictedSecuritiesAvailableforSaleScheduleofRestrictedSecuritiesAvailableforSalebyAgingCategoryDetails">
        <link:definition>9955534 - Disclosure - Restricted Securities Available for Sale (Schedule of Restricted Securities Available for Sale by Aging Category) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RestrictedSecuritiesAvailableforSaleScheduleofCostandEstimatedFairValuesofDebtSecuritiesbyContractualMaturityDetails" roleURI="http://www.creditacceptance.com/role/RestrictedSecuritiesAvailableforSaleScheduleofCostandEstimatedFairValuesofDebtSecuritiesbyContractualMaturityDetails">
        <link:definition>9955535 - Disclosure - Restricted Securities Available for Sale (Schedule of Cost and Estimated Fair Values of Debt Securities by Contractual Maturity) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableNarrativeDetails" roleURI="http://www.creditacceptance.com/role/LoansReceivableNarrativeDetails">
        <link:definition>9955536 - Disclosure - Loans Receivable (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableScheduleofLoansReceivableDetails" roleURI="http://www.creditacceptance.com/role/LoansReceivableScheduleofLoansReceivableDetails">
        <link:definition>9955537 - Disclosure - Loans Receivable (Schedule of Loans Receivable) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableSummaryofChangesinLoansReceivableandAllowanceforCreditLossesDetails" roleURI="http://www.creditacceptance.com/role/LoansReceivableSummaryofChangesinLoansReceivableandAllowanceforCreditLossesDetails">
        <link:definition>9955538 - Disclosure - Loans Receivable (Summary of Changes in Loans Receivable and Allowance for Credit Losses) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableLoansReceivableSummaryofProvisionforCreditLossesDetails" roleURI="http://www.creditacceptance.com/role/LoansReceivableLoansReceivableSummaryofProvisionforCreditLossesDetails">
        <link:definition>9955539 - Disclosure - Loans Receivable Loans Receivable (Summary of Provision for Credit Losses) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableSummaryofInformationRelatedtoNewConsumerLoanAssignmentsDetails" roleURI="http://www.creditacceptance.com/role/LoansReceivableSummaryofInformationRelatedtoNewConsumerLoanAssignmentsDetails">
        <link:definition>9955540 - Disclosure - Loans Receivable (Summary of Information Related to New Consumer Loan Assignments) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableLoansReceivableSummaryofChangesinExpectedFutureNetCashFlowsDetails" roleURI="http://www.creditacceptance.com/role/LoansReceivableLoansReceivableSummaryofChangesinExpectedFutureNetCashFlowsDetails">
        <link:definition>9955541 - Disclosure - Loans Receivable Loans Receivable (Summary of Changes in Expected Future Net Cash Flows) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableScheduleofConsumerLoansForecastedCollectionPercentageDetails" roleURI="http://www.creditacceptance.com/role/LoansReceivableScheduleofConsumerLoansForecastedCollectionPercentageDetails">
        <link:definition>9955542 - Disclosure - Loans Receivable (Schedule of Consumer Loans Forecasted Collection Percentage) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableLoansReceivableSummaryofPastDueStatusDetails" roleURI="http://www.creditacceptance.com/role/LoansReceivableLoansReceivableSummaryofPastDueStatusDetails">
        <link:definition>9955543 - Disclosure - Loans Receivable Loans Receivable (Summary of Past-Due Status) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableWriteOffsSegmentedbyYearofAssignmentDetails" roleURI="http://www.creditacceptance.com/role/LoansReceivableWriteOffsSegmentedbyYearofAssignmentDetails">
        <link:definition>9955544 - Disclosure - Loans Receivable (Write-Offs Segmented by Year of Assignment) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceSummaryofReinsuranceActivityDetails" roleURI="http://www.creditacceptance.com/role/ReinsuranceSummaryofReinsuranceActivityDetails">
        <link:definition>9955545 - Disclosure - Reinsurance (Summary of Reinsurance Activity) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceScheduleofTrustAssetsandReinsuranceLiabilitiesDetails" roleURI="http://www.creditacceptance.com/role/ReinsuranceScheduleofTrustAssetsandReinsuranceLiabilitiesDetails">
        <link:definition>9955546 - Disclosure - Reinsurance (Schedule of Trust Assets and Reinsurance Liabilities) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OtherincomeScheduleofOtherIncomeDetails" roleURI="http://www.creditacceptance.com/role/OtherincomeScheduleofOtherIncomeDetails">
        <link:definition>9955547 - Disclosure - Other income (Schedule of Other Income) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OtherIncomeDisaggregationofRevenueDetails" roleURI="http://www.creditacceptance.com/role/OtherIncomeDisaggregationofRevenueDetails">
        <link:definition>9955548 - Disclosure - Other Income (Disaggregation of Revenue) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtNarrativeDetails" roleURI="http://www.creditacceptance.com/role/DebtNarrativeDetails">
        <link:definition>9955549 - Disclosure - Debt (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtScheduleofPrincipalDebtOutstandingDetails" roleURI="http://www.creditacceptance.com/role/DebtScheduleofPrincipalDebtOutstandingDetails">
        <link:definition>9955550 - Disclosure - Debt (Schedule of Principal Debt Outstanding) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtScheduleofGeneralInformationofFinancingTransactionDetails" roleURI="http://www.creditacceptance.com/role/DebtScheduleofGeneralInformationofFinancingTransactionDetails">
        <link:definition>9955551 - Disclosure - Debt (Schedule of General Information of Financing Transaction) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtScheduleofAdditionalInformationRelatedtoDebtInstrumentsDetails" roleURI="http://www.creditacceptance.com/role/DebtScheduleofAdditionalInformationRelatedtoDebtInstrumentsDetails">
        <link:definition>9955552 - Disclosure - Debt (Schedule of Additional Information Related to Debt Instruments) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtSummaryofDebtDetails" roleURI="http://www.creditacceptance.com/role/DebtSummaryofDebtDetails">
        <link:definition>9955553 - Disclosure - Debt (Summary of Debt) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesScheduleofReconciliationoftheUSFederalStatutoryRatetoEffectiveTaxRateDetails" roleURI="http://www.creditacceptance.com/role/IncomeTaxesScheduleofReconciliationoftheUSFederalStatutoryRatetoEffectiveTaxRateDetails">
        <link:definition>9955554 - Disclosure - Income Taxes (Schedule of Reconciliation of the U.S. Federal Statutory Rate to Effective Tax Rate) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetIncomePerShareComputationofWeightedAverageSharesOutstandingBasicandDilutedDetails" roleURI="http://www.creditacceptance.com/role/NetIncomePerShareComputationofWeightedAverageSharesOutstandingBasicandDilutedDetails">
        <link:definition>9955555 - Disclosure - Net Income Per Share (Computation of Weighted Average Shares Outstanding Basic and Diluted) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetIncomePerShareScheduleofAwardsExcludedfromtheComputationofDilutedNetincomePerShareDetails" roleURI="http://www.creditacceptance.com/role/NetIncomePerShareScheduleofAwardsExcludedfromtheComputationofDilutedNetincomePerShareDetails">
        <link:definition>9955556 - Disclosure - Net Income Per Share (Schedule of Awards Excluded from the Computation of Diluted Net income Per Share) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockRepurchasesDetails" roleURI="http://www.creditacceptance.com/role/StockRepurchasesDetails">
        <link:definition>9955557 - Disclosure - Stock Repurchases (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockBasedCompensationPlansStockBasedCompensationPlansSummaryOfRestrictedStockUnitsActivityDetails" roleURI="http://www.creditacceptance.com/role/StockBasedCompensationPlansStockBasedCompensationPlansSummaryOfRestrictedStockUnitsActivityDetails">
        <link:definition>9955558 - Disclosure - Stock-Based Compensation Plans Stock-Based Compensation Plans (Summary Of Restricted Stock Units Activity) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockBasedCompensationPlansScheduleofStockBasedCompensationExpenseDetails" roleURI="http://www.creditacceptance.com/role/StockBasedCompensationPlansScheduleofStockBasedCompensationExpenseDetails">
        <link:definition>9955559 - Disclosure - Stock-Based Compensation Plans (Schedule of Stock Based Compensation Expense) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockBasedCompensationPlansStockBasedCompensationPlansScheduleOfFutureShareBasedCompensationCostDetails" roleURI="http://www.creditacceptance.com/role/StockBasedCompensationPlansStockBasedCompensationPlansScheduleOfFutureShareBasedCompensationCostDetails">
        <link:definition>9955560 - Disclosure - Stock-Based Compensation Plans Stock-Based Compensation Plans (Schedule Of Future Share-Based Compensation Cost) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockBasedCompensationPlansStockBasedCompensationPlansScheduleOfFutureShareBasedCompensationCostDetails_1" roleURI="http://www.creditacceptance.com/role/StockBasedCompensationPlansStockBasedCompensationPlansScheduleOfFutureShareBasedCompensationCostDetails_1">
        <link:definition>9955560 - Disclosure - Stock-Based Compensation Plans Stock-Based Compensation Plans (Schedule Of Future Share-Based Compensation Cost) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentReportingDetails" roleURI="http://www.creditacceptance.com/role/SegmentReportingDetails">
        <link:definition>9955561 - Disclosure - Segment Reporting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingenciesDetails" roleURI="http://www.creditacceptance.com/role/CommitmentsandContingenciesDetails">
        <link:definition>9955562 - Disclosure - Commitments and Contingencies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubsequentEventsDetails" roleURI="http://www.creditacceptance.com/role/SubsequentEventsDetails">
        <link:definition>9955563 - Disclosure - Subsequent Events (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="cacc_FinanceChargesRevenue" abstract="false" name="FinanceChargesRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_ProvisionForCreditLossesOnForecastChanges" abstract="false" name="ProvisionForCreditLossesOnForecastChanges" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_ProvisionForCreditLossesOnNewConsumerLoanAssignments" abstract="false" name="ProvisionForCreditLossesOnNewConsumerLoanAssignments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_AdvancesToDealers" abstract="false" name="AdvancesToDealers" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_AcceleratedPaymentsOfDealerHoldback" abstract="false" name="AcceleratedPaymentsOfDealerHoldback" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_PaymentsOfDealerHoldback" abstract="false" name="PaymentsOfDealerHoldback" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_DescriptionOfBusinessAbstract" abstract="true" name="DescriptionOfBusinessAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cacc_StockRepurchasesTextBlock" abstract="false" name="StockRepurchasesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cacc_ScheduleOfPercentageOfConsumerLoansAssignedBasedOnUnitVolumesTableTextBlock" abstract="false" name="ScheduleOfPercentageOfConsumerLoansAssignedBasedOnUnitVolumesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cacc_ScheduleOfChangesInLoansReceivableAndAllowanceForCreditLossesTableTextBlock" abstract="false" name="ScheduleOfChangesInLoansReceivableAndAllowanceForCreditLossesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cacc_SummaryofProvisionforCreditLossesTableTextBlock" abstract="false" name="SummaryofProvisionforCreditLossesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cacc_ScheduleOfNewConsumerLoanAssignmentsTableTextBlock" abstract="false" name="ScheduleOfNewConsumerLoanAssignmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cacc_SummaryofChangesinExpectedFutureNetCashFlowsTableTextBlock" abstract="false" name="SummaryofChangesinExpectedFutureNetCashFlowsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cacc_ScheduleOfConsumerLoansForecastedCollectionPercentageTextBlock" abstract="false" name="ScheduleOfConsumerLoansForecastedCollectionPercentageTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cacc_ScheduleOfReinsuranceActivityTableTextBlock" abstract="false" name="ScheduleOfReinsuranceActivityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cacc_ScheduleOfTrustAssetsAndReinsuranceLiabilitiesTableTextBlock" abstract="false" name="ScheduleOfTrustAssetsAndReinsuranceLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cacc_ScheduleOfOtherIncomeTableTextBlock" abstract="false" name="ScheduleOfOtherIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cacc_ScheduleofPrincipalDebtOutstandingTableTextBlock" abstract="false" name="ScheduleofPrincipalDebtOutstandingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cacc_ScheduleOfAdditionalInformationRelatedToDebtInstrumentsTableTextBlock" abstract="false" name="ScheduleOfAdditionalInformationRelatedToDebtInstrumentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cacc_ScheduleOfStockAwardsExcludedFromTheComputationOfDilutedNetIncomePerShareTableTextBlock" abstract="false" name="ScheduleOfStockAwardsExcludedFromTheComputationOfDilutedNetIncomePerShareTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cacc_ScheduleOfFutureShareBasedCompensationCostTableTextBlock" abstract="false" name="ScheduleOfFutureShareBasedCompensationCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cacc_NumberOfBusinessPrograms" abstract="false" name="NumberOfBusinessPrograms" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:positiveIntegerItemType"/>
  <xs:element id="cacc_OriginalNumberOfConsumerLoansRequiredToGroupAdvances" abstract="false" name="OriginalNumberOfConsumerLoansRequiredToGroupAdvances" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:positiveIntegerItemType"/>
  <xs:element id="cacc_AdditionalNumberOfConsumerLoansRequiredToGroupAdvances" abstract="false" name="AdditionalNumberOfConsumerLoansRequiredToGroupAdvances" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="cacc_ServiceFeeIncomeAsPercentageOfCollections" abstract="false" name="ServiceFeeIncomeAsPercentageOfCollections" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cacc_NumberOfConsumerLoansRequiredToGroupAdvances" abstract="false" name="NumberOfConsumerLoansRequiredToGroupAdvances" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:positiveIntegerItemType"/>
  <xs:element id="cacc_FICOScoreLowerThan650OrNoFICOScoreMember" abstract="true" name="FICOScoreLowerThan650OrNoFICOScoreMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_PercentageOfContracts" abstract="false" name="PercentageOfContracts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cacc_DescriptionOfBusinessTable" abstract="true" name="DescriptionOfBusinessTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cacc_PaymentsForProceedsFromLoansReceivableProgramsAxis" abstract="true" name="PaymentsForProceedsFromLoansReceivableProgramsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="cacc_PaymentsForProceedsFromLoansReceivableProgramsDomain" abstract="true" name="PaymentsForProceedsFromLoansReceivableProgramsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_PortfolioProgramMember" abstract="true" name="PortfolioProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_PurchaseProgramMember" abstract="true" name="PurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_DescriptionOfBusinessLineItems" abstract="true" name="DescriptionOfBusinessLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cacc_PercentageOfNewConsumerLoansInUnitVolume" abstract="false" name="PercentageOfNewConsumerLoansInUnitVolume" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cacc_Percentageofnewconsumerloansdollarvolume" abstract="false" name="Percentageofnewconsumerloansdollarvolume" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cacc_SummaryOfSignificantAccountingPoliciesTable" abstract="true" name="SummaryOfSignificantAccountingPoliciesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cacc_NewConsumerLoanAssignmentsMember" abstract="true" name="NewConsumerLoanAssignmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_RestrictedCashAndCashEquivalentsMember" abstract="true" name="RestrictedCashAndCashEquivalentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_SummaryOfSignificantAccountingPoliciesLineItems" abstract="true" name="SummaryOfSignificantAccountingPoliciesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cacc_MonthlyFeeToParticipateInOurPortfolioProgram" abstract="false" name="MonthlyFeeToParticipateInOurPortfolioProgram" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_RestrictedCashAndCashEquivalentsFairValueDisclosure" abstract="false" name="RestrictedCashAndCashEquivalentsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_SecuredFinancingFairValueDisclosure" abstract="false" name="SecuredFinancingFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_ChangeInProvisionForCreditLossesMember" abstract="true" name="ChangeInProvisionForCreditLossesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_ChangeInCashFlowsMember" abstract="true" name="ChangeInCashFlowsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges" abstract="false" name="CertainLoansAcquiredInTransferAccountedForAsLoansAccretableYieldReclassificationsFromNonaccretableDifferenceForecastChanges" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_ForecastChangesAsAOfPortfolio" abstract="false" name="ForecastChangesAsAOfPortfolio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cacc_DealerLoansMember" abstract="true" name="DealerLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_PurchasedLoansMember" abstract="true" name="PurchasedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_ReceivableOrAllowanceTypeAxis" abstract="true" name="ReceivableOrAllowanceTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="cacc_ReceivableOrAllowanceTypeDomain" abstract="true" name="ReceivableOrAllowanceTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_AllowanceforCreditLossesMember" abstract="true" name="AllowanceforCreditLossesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansReceivableNetRollForward" abstract="true" name="LoansReceivableNetRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cacc_NewConsumerLoanAssignments" abstract="false" name="NewConsumerLoanAssignments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_LoansAndLeasesReceivableTransfers" abstract="false" name="LoansAndLeasesReceivableTransfers" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_DeferralofLoanOriginationCosts" abstract="false" name="DeferralofLoanOriginationCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_ForecastChangesMember" abstract="true" name="ForecastChangesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansReceivableContractualNetCashFlowsAtAssignment" abstract="false" name="LoansReceivableContractualNetCashFlowsAtAssignment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_LoansReceivableExpectedNetCashFlowsAtAssignment" abstract="false" name="LoansReceivableExpectedNetCashFlowsAtAssignment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_LoansReceivableFairValueOfNetCashFlowsAtAssignment" abstract="false" name="LoansReceivableFairValueOfNetCashFlowsAtAssignment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_Expectedfuturefinancechargesatthetimeofassignment" abstract="false" name="Expectedfuturefinancechargesatthetimeofassignment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_ExpectednetLoanincomeatthetimeofassignment" abstract="false" name="ExpectednetLoanincomeatthetimeofassignment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_ExpectedFutureNetCashFlows" abstract="false" name="ExpectedFutureNetCashFlows" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_RealizedNetCashFlows" abstract="false" name="RealizedNetCashFlows" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_TransferofExpectedFutureNetCashFlowsbetweenPrograms" abstract="false" name="TransferofExpectedFutureNetCashFlowsbetweenPrograms" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_LoansOriginated9YearsAgoMember" abstract="true" name="LoansOriginated9YearsAgoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansOriginated8YearsAgoMember" abstract="true" name="LoansOriginated8YearsAgoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansOriginated7YearsAgoMember" abstract="true" name="LoansOriginated7YearsAgoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansOriginated6YearsAgoMember" abstract="true" name="LoansOriginated6YearsAgoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansOriginated5YearsAgoMember" abstract="true" name="LoansOriginated5YearsAgoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansOriginated4YearsAgoMember" abstract="true" name="LoansOriginated4YearsAgoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansOriginated3YearsAgoMember" abstract="true" name="LoansOriginated3YearsAgoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansOriginated2YearsAgoMember" abstract="true" name="LoansOriginated2YearsAgoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansOriginatedLastYearMember" abstract="true" name="LoansOriginatedLastYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansOriginatedInTheCurrentYearMember" abstract="true" name="LoansOriginatedInTheCurrentYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansReceivableForecastedCollectionPercentage" abstract="false" name="LoansReceivableForecastedCollectionPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cacc_LoansReceivableInitialForecastedCollectionPercentage" abstract="false" name="LoansReceivableInitialForecastedCollectionPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cacc_LoansReceivableVarianceInForecastedCollectionPercentageFromPriorQuarterEnd" abstract="false" name="LoansReceivableVarianceInForecastedCollectionPercentageFromPriorQuarterEnd" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cacc_LoansReceivableVarianceInForecastedCollectionPercentageFromPriorYearEnd" abstract="false" name="LoansReceivableVarianceInForecastedCollectionPercentageFromPriorYearEnd" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cacc_LoansReceivableVarianceInInitialForecastedCollectionPercentage" abstract="false" name="LoansReceivableVarianceInInitialForecastedCollectionPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cacc_LoansOriginatingFiveYearsPriorAndBeforeMember" abstract="true" name="LoansOriginatingFiveYearsPriorAndBeforeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansOriginatingFourYearsPriorMember" abstract="true" name="LoansOriginatingFourYearsPriorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansOriginatingThreeYearsPriorMember" abstract="true" name="LoansOriginatingThreeYearsPriorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansOriginatingTwoYearsPriorMember" abstract="true" name="LoansOriginatingTwoYearsPriorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansOriginatingInThePriorYearMember" abstract="true" name="LoansOriginatingInThePriorYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LoansOriginatingInTheCurrentYearMember" abstract="true" name="LoansOriginatingInTheCurrentYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_CurrentPretermMember" abstract="true" name="CurrentPretermMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_PastDue1190DaysPretermMember" abstract="true" name="PastDue1190DaysPretermMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_PastDueOver90DaysPretermMember" abstract="true" name="PastDueOver90DaysPretermMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_PosttermMember" abstract="true" name="PosttermMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TrustAssetsAndReinsuranceLiabilitiesAxis" abstract="true" name="TrustAssetsAndReinsuranceLiabilitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="cacc_TrustAssetsAndReinsuranceLiabilitiesDomain" abstract="true" name="TrustAssetsAndReinsuranceLiabilitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TrustAssetsMember" abstract="true" name="TrustAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_UnearnedPremiumMember" abstract="true" name="UnearnedPremiumMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_ClaimsReserveMember" abstract="true" name="ClaimsReserveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_AncillaryproductprofitsharingMember" abstract="true" name="AncillaryproductprofitsharingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_InterestMember" abstract="true" name="InterestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_RemarketingFeesMember" abstract="true" name="RemarketingFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_OtherMember" abstract="true" name="OtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_ThirdPartyProvidersMember" abstract="true" name="ThirdPartyProvidersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_DealersMember" abstract="true" name="DealersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_WarehouseFacilitiesMember" abstract="true" name="WarehouseFacilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_WarehouseFacilityIIMember" abstract="true" name="WarehouseFacilityIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_WarehouseFacilityIVMember" abstract="true" name="WarehouseFacilityIVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_WarehouseFacilityVMember" abstract="true" name="WarehouseFacilityVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_WarehouseFacilityVIMember" abstract="true" name="WarehouseFacilityVIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandNineteenTwoMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandNineteenTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TwoThousandTwentyFourSeniorNotesMember" abstract="true" name="TwoThousandTwentyFourSeniorNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TwoThousandTwentySixSeniorNotesMember" abstract="true" name="TwoThousandTwentySixSeniorNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TwoThousandTwentyEightSeniorNotesMember" abstract="true" name="TwoThousandTwentyEightSeniorNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TwoThousandThirtySeniorNotesMember" abstract="true" name="TwoThousandThirtySeniorNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_PercentageOfNetBookValueOfLoans" abstract="false" name="PercentageOfNetBookValueOfLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cacc_MaximumHedgingReserve" abstract="false" name="MaximumHedgingReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_NumberWarehouseFacilities" abstract="false" name="NumberWarehouseFacilities" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="cacc_PercentageOfCollectionsOnNewerContributedLoans" abstract="false" name="PercentageOfCollectionsOnNewerContributedLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cacc_MonthlyServicingFeeForTermABSFinancings" abstract="false" name="MonthlyServicingFeeForTermABSFinancings" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cacc_SecuredFinancingsMember" abstract="true" name="SecuredFinancingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_DeferredDebtIssuanceCostMember" abstract="true" name="DeferredDebtIssuanceCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_DebtInstrumentPrincipalOutstanding" abstract="false" name="DebtInstrumentPrincipalOutstanding" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_RTPFacilityMember" abstract="true" name="RTPFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_WarehouseFacilityVIIIMember" abstract="true" name="WarehouseFacilityVIIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyOneOneMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyOneOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyTwoOneMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyTwoOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyTwoTwoMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyTwoTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyTwoThreeMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyTwoThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyThreeOneMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyThreeOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyThreeTwoMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyThreeTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyThreeThreeMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyThreeThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyThreeAMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyThreeAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyThreeFiveMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyThreeFiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyFourAMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyFourAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyFourOneMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyFourOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyFourTwoMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyFourTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyFourThreeMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyFourThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyFourBMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyFourBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyFiveOneMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyFiveOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentyFiveTwoMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentyFiveTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_DebtInstrumentAmountAvailableForBorrowing" abstract="false" name="DebtInstrumentAmountAvailableForBorrowing" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_DilutiveSecuritiesRestrictedStockRestrictedStockUnitsAndOptions" abstract="false" name="DilutiveSecuritiesRestrictedStockRestrictedStockUnitsAndOptions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="cacc_OpenMarketMember" abstract="true" name="OpenMarketMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_TaxWithholdingsForShareBasedCompensationAwardsVestedMember" abstract="true" name="TaxWithholdingsForShareBasedCompensationAwardsVestedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchasedIncrease" abstract="false" name="StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchasedIncrease" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="cacc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="cacc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsConvertedWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsConvertedWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="cacc_EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsRemainderOfYear" abstract="false" name="EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsRemainderOfYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsNextYear" abstract="false" name="EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsNextYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInTwoYears" abstract="false" name="EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInTwoYears" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInThreeYears" abstract="false" name="EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInThreeYears" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInFourYears" abstract="false" name="EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsInFourYears" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsAfterFourYears" abstract="false" name="EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsAfterFourYears" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsTotal" abstract="false" name="EmployeeServiceShareBasedCompensationEstimatedAllocationOfRecognizedPeriodCostsTotal" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_CashOfferforLegalSettlement" abstract="false" name="CashOfferforLegalSettlement" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cacc_TermAssetBackedSecuredFinancingsTwoThousandTwentySixOneMember" abstract="true" name="TermAssetBackedSecuredFinancingsTwoThousandTwentySixOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_LIBORMember" abstract="true" name="LIBORMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cacc_DanielA.UlatowskiMember" abstract="true" name="DanielA.UlatowskiMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
