Finance Receivables - Schedule of Financing Receivable Credit Quality Indicators (Details) - USD ($) $ in Thousands |
3 Months Ended | 9 Months Ended | 12 Months Ended | ||
|---|---|---|---|---|---|
Sep. 30, 2026 |
Sep. 30, 2025 |
Sep. 30, 2026 |
Sep. 30, 2025 |
Dec. 31, 2025 |
|
| Financing Receivable, Allowance for Credit Losses | |||||
| Total | $ 2,253,974 | $ 1,870,648 | $ 2,253,974 | $ 1,870,648 | $ 1,703,221 |
| Gross charge-offs | |||||
| Total | 9,946 | 49,256 | 22,531 | 188,737 | |
| Retail | |||||
| Financing Receivable, Allowance for Credit Losses | |||||
| Year 1 | 724,829 | 272,185 | 724,829 | 272,185 | 367,671 |
| Year 2 | 290,785 | 226,281 | 290,785 | 226,281 | 205,382 |
| Year 3 | 139,987 | 123,324 | 139,987 | 123,324 | 110,311 |
| Year 4 | 70,748 | 50,014 | 70,748 | 50,014 | 44,056 |
| Year 4, net | 21,747 | ||||
| Year 5 | 29,509 | 26,541 | 29,509 | 26,541 | 21,935 |
| Year 5, net | 13,987 | ||||
| More than 5 years | 44,775 | 5,949 | 44,775 | 5,949 | 5,066 |
| Total | 1,300,633 | 704,294 | 1,300,633 | 704,294 | 754,421 |
| Gross charge-offs | |||||
| Year 1 | 5,284 | 2,897 | 3,406 | ||
| Year 2 | 9,578 | 48,622 | 49,141 | ||
| Year 3 | 2,802 | 54,146 | 54,263 | ||
| Year 4 | 1,375 | 41,996 | 42,125 | ||
| Year 5 | 741 | 21,737 | |||
| More than 5 years | 715 | 13,983 | |||
| Total | 10,095 | 44,555 | 20,495 | 183,395 | 184,655 |
| Retail | UNITED STATES | |||||
| Financing Receivable, Allowance for Credit Losses | |||||
| Year 1 | 713,767 | 713,767 | 366,181 | ||
| Year 2 | 289,671 | 289,671 | 205,371 | ||
| Year 3 | 139,974 | 139,974 | 110,300 | ||
| Year 4 | 70,738 | 70,738 | 44,042 | ||
| Year 4, net | 21,364 | ||||
| Year 5 | 29,502 | 29,502 | 21,926 | ||
| Year 5, net | 13,560 | ||||
| More than 5 years | 44,761 | 44,761 | 5,055 | ||
| Total | 1,288,413 | 1,288,413 | 752,875 | ||
| Gross charge-offs | |||||
| Year 1 | 4,804 | 2,771 | 3,280 | ||
| Year 2 | 9,055 | 47,626 | 48,145 | ||
| Year 3 | 2,802 | 53,155 | 53,272 | ||
| Year 4 | 1,375 | 41,175 | 41,304 | ||
| Year 5 | 741 | 21,354 | |||
| More than 5 years | 715 | 13,556 | |||
| Total | 19,492 | 179,651 | 180,911 | ||
| Retail | CANADA | |||||
| Financing Receivable, Allowance for Credit Losses | |||||
| Year 1 | 11,062 | 11,062 | 1,490 | ||
| Year 2 | 1,114 | 1,114 | 11 | ||
| Year 3 | 13 | 13 | 11 | ||
| Year 4 | 10 | 10 | 14 | ||
| Year 4, net | 383 | ||||
| Year 5 | 7 | 7 | 9 | ||
| Year 5, net | 427 | ||||
| More than 5 years | 14 | 14 | 11 | ||
| Total | 12,220 | 12,220 | 1,546 | ||
| Gross charge-offs | |||||
| Year 1 | 480 | 126 | 126 | ||
| Year 2 | 523 | 996 | 996 | ||
| Year 3 | 0 | 991 | 991 | ||
| Year 4 | 0 | 821 | 821 | ||
| Year 5 | 0 | 383 | |||
| More than 5 years | 0 | 427 | |||
| Total | 1,003 | 3,744 | 3,744 | ||
| Retail | Super prime | UNITED STATES | |||||
| Financing Receivable, Allowance for Credit Losses | |||||
| Year 1 | 280,291 | 144,780 | 280,291 | 144,780 | 185,774 |
| Year 2 | 135,038 | 120,456 | 135,038 | 120,456 | 108,025 |
| Year 3 | 71,349 | 61,502 | 71,349 | 61,502 | 54,501 |
| Year 4 | 33,423 | 19,838 | 33,423 | 19,838 | 16,944 |
| Year 5 | 10,672 | 12,198 | 10,672 | 12,198 | 9,675 |
| More than 5 years | 21,365 | 2,011 | 21,365 | 2,011 | 1,544 |
| Total | 552,138 | 360,785 | 552,138 | 360,785 | 376,463 |
| Retail | Super prime | CANADA | |||||
| Financing Receivable, Allowance for Credit Losses | |||||
| Year 1 | 7,853 | 7,853 | 1,012 | ||
| Year 2 | 738 | 738 | 5 | ||
| Year 3 | 3 | 3 | 5 | ||
| Year 4 | 3 | 3 | 5 | ||
| Year 5 | 2 | 2 | 3 | ||
| More than 5 years | 6 | 6 | 1 | ||
| Total | 8,605 | 8,605 | 1,031 | ||
| Retail | Prime | UNITED STATES | |||||
| Financing Receivable, Allowance for Credit Losses | |||||
| Year 1 | 290,192 | 125,804 | 290,192 | 125,804 | 166,971 |
| Year 2 | 137,655 | 104,939 | 137,655 | 104,939 | 96,360 |
| Year 3 | 67,801 | 60,992 | 67,801 | 60,992 | 54,902 |
| Year 4 | 36,599 | 29,368 | 36,599 | 29,368 | 26,268 |
| Year 5 | 18,191 | 13,633 | 18,191 | 13,633 | 11,525 |
| More than 5 years | 22,124 | 2,767 | 22,124 | 2,767 | 2,413 |
| Total | 572,562 | 337,503 | 572,562 | 337,503 | 358,439 |
| Retail | Prime | CANADA | |||||
| Financing Receivable, Allowance for Credit Losses | |||||
| Year 1 | 2,838 | 2,838 | 377 | ||
| Year 2 | 314 | 314 | 4 | ||
| Year 3 | 5 | 5 | 3 | ||
| Year 4 | 5 | 5 | 8 | ||
| Year 5 | 4 | 4 | 5 | ||
| More than 5 years | 7 | 7 | 8 | ||
| Total | 3,173 | 3,173 | 405 | ||
| Retail | Sub-prime | UNITED STATES | |||||
| Financing Receivable, Allowance for Credit Losses | |||||
| Year 1 | 143,284 | 1,601 | 143,284 | 1,601 | 13,436 |
| Year 2 | 16,978 | 886 | 16,978 | 886 | 986 |
| Year 3 | 824 | 830 | 824 | 830 | 897 |
| Year 4 | 716 | 808 | 716 | 808 | 830 |
| Year 5 | 639 | 710 | 639 | 710 | 726 |
| More than 5 years | 1,272 | 1,171 | 1,272 | 1,171 | 1,098 |
| Total | 163,713 | $ 6,006 | 163,713 | $ 6,006 | 17,973 |
| Retail | Sub-prime | CANADA | |||||
| Financing Receivable, Allowance for Credit Losses | |||||
| Year 1 | 371 | 371 | 101 | ||
| Year 2 | 62 | 62 | 2 | ||
| Year 3 | 5 | 5 | 3 | ||
| Year 4 | 2 | 2 | 1 | ||
| Year 5 | 1 | 1 | 1 | ||
| More than 5 years | 1 | 1 | 2 | ||
| Total | $ 442 | $ 442 | $ 110 | ||