v3.25.2
Loans Receivable (Summary of Changes in Loans Receivable and Allowance for Credit Losses) (Details) - USD ($)
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Mar. 31, 2025
Dec. 31, 2024
Mar. 31, 2024
Dec. 31, 2023
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable $ (8,001,900,000) $ (7,547,700,000) $ (8,001,900,000) $ (7,547,700,000) $ (7,978,200,000) $ (7,850,300,000) $ (7,345,600,000) $ (6,955,300,000)
Finance Charges Revenue (540,700,000) (497,700,000) (1,067,400,000) (966,900,000)        
Provision for Credit Losses (172,600,000) (320,600,000) (334,500,000) (506,600,000)        
New Consumer Loan Assignments [1] 998,000,000.0 1,228,500,000 2,110,700,000 2,545,500,000        
Proceeds from Collection of Loans Receivable [2] (1,409,400,000) (1,291,500,000) (2,830,500,000) (2,585,200,000)        
Accelerated Payments of Dealer Holdback 14,600,000 18,300,000 27,800,000 33,400,000        
Payments of Dealer Holdback 48,700,000 65,600,000 103,500,000 130,500,000        
Loans And Leases Receivable Transfers [3] 0 0 0 0        
Write-offs 0 0 0 0        
Recoveries [4] 0 0 0 0        
Deferral of Loan Origination Costs 3,700,000 4,100,000 7,200,000 7,900,000        
Dealer Loans [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (5,785,100,000) (5,321,100,000) (5,785,100,000) (5,321,100,000) (5,799,700,000) (5,676,500,000) (5,081,800,000) (4,709,800,000)
Finance Charges Revenue (359,300,000) (316,500,000) (708,600,000) (606,800,000)        
Provision for Credit Losses (102,000,000.0) (212,300,000) (206,700,000) (334,000,000.0)        
New Consumer Loan Assignments [1] 682,000,000.0 949,700,000 1,517,800,000 1,959,100,000        
Proceeds from Collection of Loans Receivable [2] (993,400,000) (879,000,000.0) (1,995,100,000) (1,743,900,000)        
Accelerated Payments of Dealer Holdback 14,600,000 18,300,000 27,800,000 33,400,000        
Payments of Dealer Holdback 48,700,000 65,600,000 103,500,000 130,500,000        
Loans And Leases Receivable Transfers [3] (27,500,000) (23,600,000) (54,500,000) (48,500,000)        
Write-offs 0 0 0 0        
Recoveries [4] 0 0 0 0        
Deferral of Loan Origination Costs 3,700,000 4,100,000 7,200,000 7,900,000        
Purchased Loans [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (2,216,800,000) (2,226,600,000) (2,216,800,000) (2,226,600,000) (2,178,500,000) (2,173,800,000) (2,263,800,000) (2,245,500,000)
Finance Charges Revenue (181,400,000) (181,200,000) (358,800,000) (360,100,000)        
Provision for Credit Losses (70,600,000) (108,300,000) (127,800,000) (172,600,000)        
New Consumer Loan Assignments [1] 316,000,000.0 278,800,000 592,900,000 586,400,000        
Proceeds from Collection of Loans Receivable [2] (416,000,000.0) (412,500,000) (835,400,000) (841,300,000)        
Accelerated Payments of Dealer Holdback 0 0 0 0        
Payments of Dealer Holdback 0 0 0 0        
Loans And Leases Receivable Transfers [3] (27,500,000) (23,600,000) (54,500,000) (48,500,000)        
Write-offs 0 0 0 0        
Recoveries [4] 0 0 0 0        
Deferral of Loan Origination Costs 0 0 0 0        
Loans Receivable [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (11,563,000,000) (10,884,200,000) (11,563,000,000) (10,884,200,000) (11,476,700,000) (11,289,100,000) (10,483,500,000) (10,020,100,000)
Finance Charges Revenue (772,300,000) (702,500,000) (1,524,700,000) (1,369,000,000)        
Provision for Credit Losses 0 0 0 0        
New Consumer Loan Assignments [1] 998,000,000.0 1,228,500,000 2,110,700,000 2,545,500,000        
Proceeds from Collection of Loans Receivable [2] (1,409,400,000) (1,291,500,000) (2,830,500,000) (2,585,200,000)        
Accelerated Payments of Dealer Holdback 14,600,000 18,300,000 27,800,000 33,400,000        
Payments of Dealer Holdback 48,700,000 65,600,000 103,500,000 130,500,000        
Loans And Leases Receivable Transfers [3] 0 0 0 0        
Write-offs 343,500,000 329,000,000.0 672,900,000 640,400,000        
Recoveries [4] (1,900,000) (2,200,000) (3,400,000) (3,400,000)        
Deferral of Loan Origination Costs 3,700,000 4,100,000 7,200,000 7,900,000        
Loans Receivable [Member] | Dealer Loans [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (8,791,000,000) (7,980,600,000) (8,791,000,000) (7,980,600,000) (8,734,100,000) (8,521,000,000) (7,553,000,000) (7,065,500,000)
Finance Charges Revenue (548,100,000) (473,500,000) (1,079,300,000) (912,000,000.0)        
Provision for Credit Losses 0 0 0 0        
New Consumer Loan Assignments [1] 682,000,000.0 949,700,000 1,517,800,000 1,959,100,000        
Proceeds from Collection of Loans Receivable [2] (993,400,000) (879,000,000.0) (1,995,100,000) (1,743,900,000)        
Accelerated Payments of Dealer Holdback 14,600,000 18,300,000 27,800,000 33,400,000        
Payments of Dealer Holdback 48,700,000 65,600,000 103,500,000 130,500,000        
Loans And Leases Receivable Transfers [3] (39,600,000) (34,500,000) (80,000,000.0) (71,400,000)        
Write-offs 207,600,000 171,200,000 391,200,000 314,000,000.0        
Recoveries [4] (400,000) (1,100,000) (700,000) (1,500,000)        
Deferral of Loan Origination Costs 3,700,000 4,100,000 7,200,000 7,900,000        
Loans Receivable [Member] | Purchased Loans [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (2,772,000,000) (2,903,600,000) (2,772,000,000) (2,903,600,000) (2,742,600,000) (2,768,100,000) (2,930,500,000) (2,954,600,000)
Finance Charges Revenue (224,200,000) (229,000,000.0) (445,400,000) (457,000,000.0)        
Provision for Credit Losses 0 0 0 0        
New Consumer Loan Assignments [1] 316,000,000.0 278,800,000 592,900,000 586,400,000        
Proceeds from Collection of Loans Receivable [2] (416,000,000.0) (412,500,000) (835,400,000) (841,300,000)        
Accelerated Payments of Dealer Holdback 0 0 0 0        
Payments of Dealer Holdback 0 0 0 0        
Loans And Leases Receivable Transfers [3] (39,600,000) (34,500,000) (80,000,000.0) (71,400,000)        
Write-offs 135,900,000 157,800,000 281,700,000 326,400,000        
Recoveries [4] (1,500,000) (1,100,000) (2,700,000) (1,900,000)        
Deferral of Loan Origination Costs 0 0 0 0        
Allowance for Credit Losses [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (3,561,100,000) (3,336,500,000) (3,561,100,000) (3,336,500,000) (3,498,500,000) (3,438,800,000) (3,137,900,000) (3,064,800,000)
Finance Charges Revenue (231,600,000) (204,800,000) (457,300,000) (402,100,000)        
Provision for Credit Losses (172,600,000) (320,600,000) (334,500,000) (506,600,000)        
New Consumer Loan Assignments [1] 0 0 0 0        
Proceeds from Collection of Loans Receivable [2] 0 0 0 0        
Accelerated Payments of Dealer Holdback 0 0 0 0        
Payments of Dealer Holdback 0 0 0 0        
Loans And Leases Receivable Transfers [3] 0 0 0 0        
Write-offs 343,500,000 329,000,000.0 672,900,000 640,400,000        
Recoveries [4] (1,900,000) (2,200,000) (3,400,000) (3,400,000)        
Deferral of Loan Origination Costs 0 0 0 0        
Allowance for Credit Losses [Member] | Dealer Loans [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (3,005,900,000) (2,659,500,000) (3,005,900,000) (2,659,500,000) (2,934,400,000) (2,844,500,000) (2,471,200,000) (2,355,700,000)
Finance Charges Revenue (188,800,000) (157,000,000.0) (370,700,000) (305,200,000)        
Provision for Credit Losses (102,000,000.0) (212,300,000) (206,700,000) (334,000,000.0)        
New Consumer Loan Assignments [1] 0 0 0 0        
Proceeds from Collection of Loans Receivable [2] 0 0 0 0        
Accelerated Payments of Dealer Holdback 0 0 0 0        
Payments of Dealer Holdback 0 0 0 0        
Loans And Leases Receivable Transfers [3] (12,100,000) (10,900,000) (25,500,000) (22,900,000)        
Write-offs 207,600,000 171,200,000 391,200,000 314,000,000.0        
Recoveries [4] (400,000) (1,100,000) (700,000) (1,500,000)        
Deferral of Loan Origination Costs 0 0 0 0        
Allowance for Credit Losses [Member] | Purchased Loans [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (555,200,000) (677,000,000.0) (555,200,000) (677,000,000.0) $ (564,100,000) $ (594,300,000) $ (666,700,000) $ (709,100,000)
Finance Charges Revenue (42,800,000) (47,800,000) (86,600,000) (96,900,000)        
Provision for Credit Losses (70,600,000) (108,300,000) (127,800,000) (172,600,000)        
New Consumer Loan Assignments [1] 0 0 0 0        
Proceeds from Collection of Loans Receivable [2] 0 0 0 0        
Accelerated Payments of Dealer Holdback 0 0 0 0        
Payments of Dealer Holdback 0 0 0 0        
Loans And Leases Receivable Transfers [3] (12,100,000) (10,900,000) (25,500,000) (22,900,000)        
Write-offs 135,900,000 157,800,000 281,700,000 326,400,000        
Recoveries [4] (1,500,000) (1,100,000) (2,700,000) (1,900,000)        
Deferral of Loan Origination Costs $ 0 $ 0 $ 0 $ 0        
[1] The Dealer Loans amount represents advances paid to Dealers on Consumer Loans assigned under the Portfolio Program. The Purchased Loans amount represents one-time payments made to Dealers to purchase Consumer Loans assigned under the Purchase Program.
[2] Represents repayments that we collected on Consumer Loans assigned under our programs.
[3] Under the Portfolio Program, certain events may result in Dealers forfeiting their rights to Dealer Holdback. We transfer the Dealer’s outstanding Dealer Loan balance and related allowance for credit losses balance to Purchased Loans in the period this forfeiture occurs.
[4] The Dealer Loans amount represents net cash flows received (collections less any related Dealer Holdback payments) on Dealer Loans that were previously written off in full. The Purchased Loans amount represents collections received on Purchased Loans that were previously written off in full.