Fair Value - Schedule of Fair Value and Carrying Value of Company Financial Instruments (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Assets:
Finance receivables held for sale, net	$ 417,696	$ 4,080,885	$ 264,238
Finance receivables held for investment, net	2,200,086	1,883,549	1,700,986
Estimated recovery	26,900	59,100	47,600
Fair Value
Assets:
Finance receivables held for sale, net	417,412	4,090,641	268,111
Finance receivables held for investment, net	2,194,736	1,841,091	1,665,453
Liabilities:
Deposits, net	543,023	555,311	537,136
Fair Value \| Medium-term notes
Debt:
Long-term debt, fair value	1,313,432	3,308,179	2,195,390
Fair Value \| Senior notes
Debt:
Long-term debt, fair value	198,090	241,899	241,057
Fair Value \| Term loans
Debt:
Long-term debt, fair value	0	448,261	0
Fair Value \| Asset-backed U.S. commercial paper conduit facility \| Secured debt:
Debt:
Long-term debt, fair value	242,575	399,502	0
Fair Value \| Asset-backed Canadian commercial paper conduit facility \| Secured debt:
Debt:
Long-term debt, fair value	0	49,642	0
Fair Value \| Asset-backed securitization debt \| Secured debt:
Debt:
Long-term debt, fair value	0	63,107	0
Fair Value \| Unsecured commercial paper
Debt:
Short-term debt, fair value	470,420	684,741	497,776
Carrying Value
Assets:
Finance receivables held for sale, net	417,696	4,080,885	264,238
Finance receivables held for investment, net	2,173,206	1,824,360	1,653,372
Liabilities:
Deposits, net	537,413	554,468	536,644
Carrying Value \| Medium-term notes
Debt:
Long-term debt, fair value	1,329,066	3,219,793	2,171,963
Carrying Value \| Senior notes
Debt:
Long-term debt, fair value	297,374	297,247	297,278
Carrying Value \| Term loans
Debt:
Long-term debt, fair value	0	448,261	0
Carrying Value \| Asset-backed U.S. commercial paper conduit facility \| Secured debt:
Debt:
Long-term debt, fair value	242,575	399,502	0
Carrying Value \| Asset-backed Canadian commercial paper conduit facility \| Secured debt:
Debt:
Long-term debt, fair value	0	49,642	0
Carrying Value \| Asset-backed securitization debt \| Secured debt:
Debt:
Long-term debt, fair value	0	62,635	0
Carrying Value \| Unsecured commercial paper
Debt:
Short-term debt, fair value	$ 470,420	$ 684,741	$ 497,776

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Fair value portion of debt instrument payable, including, but not limited to, notes payable and loans payable.

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This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount of short-term debt existing as of the balance sheet date.

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