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Condensed Consolidated Statements of Cash Flows - USD ($)
$ in Millions
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Cash Flows from Operating Activities:    
Net income $ 944 $ 245
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization expense 206 231
Equity-based compensation expense 74 69
Loss on disposal of property and equipment 3 3
Loss on debt extinguishment 16 6
Payment-in-kind interest expense 182 388
Provision for bad debt and valuation allowance 12 24
Amortization of debt issuance costs 6 13
Unrealized gain on warrants to acquire Root Class A common stock (3) (27)
Unrealized gain on beneficial interests in securitizations (8) (15)
Changes in finance receivable related assets:    
Originations of finance receivables (9,180) (6,051)
Proceeds from sale of finance receivables, net 9,583 6,464
Gain on loan sales (878) (541)
Principal payments received on finance receivables held for sale 189 142
Other changes in assets and liabilities:    
Vehicle inventory (676) (154)
Accounts receivable (56) (105)
Other assets (46) (16)
Accounts payable and accrued liabilities 153 171
Operating lease right-of-use assets 2 3
Operating lease liabilities (6) 1
Other liabilities 89 7
Net cash provided by operating activities 606 858
Cash Flows from Investing Activities:    
Purchases of property and equipment (96) (67)
Proceeds from disposal of property and equipment 2 9
Payments for acquisitions, net of cash acquired (51) 0
Principal payments received on and proceeds from sale of beneficial interests 45 52
Net cash used in investing activities (100) (6)
Cash Flows from Financing Activities:    
Proceeds from short-term revolving facilities 3,064 2,601
Payments on short-term revolving facilities (3,058) (3,193)
Proceeds from issuance of long-term debt 128 160
Payments on long-term debt (696) (427)
Payments of debt issuance costs (15) (3)
Payments of tax made on behalf of non-controlling members (4) 0
Net proceeds from issuance of Class A common stock 536 347
Tax receivable agreement payments (17) 0
Proceeds from equity-based compensation plans 38 3
Tax withholdings related to restricted stock units (21) (2)
Net cash used in financing activities (45) (514)
Net increase in cash, cash equivalents and restricted cash 461 338
Cash, cash equivalents, and restricted cash at beginning of period 1,760 594
Cash, cash equivalents, and restricted cash at end of period $ 2,221 $ 932