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Notes Receivable and Allowances for Loan Losses (Details) - USD ($) $ in Millions | 1 Months Ended | 3 Months Ended | 6 Months Ended |
--- | --- | --- | --- | ---
Aug. 31, 2023 | Jan. 31, 2024 | Jan. 31, 2023 | Jan. 31, 2024 | Jul. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Loans purchased from originating bank partner, principal balance |  | $ 748 | $ 64 |  |
Commitment to purchase, amount originated before period end |  | $ 13 |  | $ 13 |
Period past due considered delinquent |  | 1 day |  | 1 day |
Minimum commitment to sell participation interest in unsecured term loans | $ 250 |  |  |  |
Notes receivable, remaining amount held for sale |  | $ 176 |  | $ 176 |
Notes receivable held for sale |  | 21 |  | 21 | $ 0
Loans sold |  |  |  | 74 |
Minimum |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Term of commitment | 18 months |  |  |  |
Small Business Loan |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Notes receivable, net |  | 807 |  | 807 | 757
Refund Advance Loan |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Commitment to purchase, amount originated before period end |  | 70 |  | 70 |
Notes receivable, net |  | $ 329 |  | $ 329 | $ 5

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- Definition Amortized cost excluding accrued interest, after allowance for credit loss, of financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1 + Details
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- Definition Amount excluding accrued interest, of increase in financing receivable from purchase. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 11 -Subparagraph (h) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-11 + Details
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