v3.26.1
Fair Value - Schedule of Fair Value and Carrying Value of Company Financial Instruments (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Mar. 31, 2026
Dec. 31, 2025
Mar. 31, 2025
Assets:      
Finance receivables held for sale, net $ 426,792 $ 264,238 $ 0
Finance receivables held for investment, net 2,014,611 1,700,986 7,399,607
Estimated recovery 37,400 47,600  
Fair Value      
Assets:      
Finance receivables held for sale, net 426,237 268,111 0
Finance receivables held for investment, net 1,991,436 1,665,453 7,428,722
Liabilities:      
Deposits, net 478,777 537,136 517,576
Fair Value | Medium-term notes      
Debt:      
Long-term debt, fair value 1,333,548 2,195,390 3,837,976
Fair Value | Senior notes      
Debt:      
Long-term debt, fair value 232,324 241,057 690,824
Fair Value | Asset-backed U.S. commercial paper conduit facility | Secured debt:      
Debt:      
Long-term debt, fair value 0 0 531,260
Fair Value | Asset-backed Canadian commercial paper conduit facility | Secured debt:      
Debt:      
Long-term debt, fair value 0 0 68,275
Fair Value | Asset-backed securitization debt | Secured debt:      
Debt:      
Long-term debt, fair value 0 0 1,668,698
Fair Value | Unsecured commercial paper      
Debt:      
Short-term debt, fair value 498,685 497,776 498,500
Carrying Value      
Assets:      
Finance receivables held for sale, net 426,792 264,238 0
Finance receivables held for investment, net 1,977,191 1,653,372 7,399,607
Liabilities:      
Deposits, net 477,638 536,644 513,330
Carrying Value | Medium-term notes      
Debt:      
Long-term debt, fair value 1,335,802 2,171,963 3,797,100
Carrying Value | Senior notes      
Debt:      
Long-term debt, fair value 297,309 297,278 746,981
Carrying Value | Asset-backed U.S. commercial paper conduit facility | Secured debt:      
Debt:      
Long-term debt, fair value 0 0 531,260
Carrying Value | Asset-backed Canadian commercial paper conduit facility | Secured debt:      
Debt:      
Long-term debt, fair value 0 0 68,275
Carrying Value | Asset-backed securitization debt | Secured debt:      
Debt:      
Long-term debt, fair value 0 0 1,658,745
Carrying Value | Unsecured commercial paper      
Debt:      
Short-term debt, fair value $ 498,685 $ 497,776 $ 498,500