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FINANCE RECEIVABLES - Schedule of Finance Receivables by FICO Score (Details) - USD ($) $ in Millions | Mar. 31, 2025 | Dec. 31, 2024
--- | --- | ---
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Total finance receivables | $ 4,153.1 | $ 3,971.1
Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 554.0 | 1,675.4
Fiscal year before current fiscal year | 1,542.7 | 1,173.3
Two years before current fiscal year | 1,046.9 | 782.7
Three years before current fiscal year | 691.9 | 148.7
Four years before current fiscal year | 127.8 | 14.2
Five years before current fiscal year | 11.5 |
Total finance receivables | 3,974.8 | 3,794.3
Other Finance Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Total finance receivables | 178.3 | 176.8
Less than 599 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 13.0 | 53.0
Fiscal year before current fiscal year | 48.8 | 39.7
Two years before current fiscal year | 34.7 | 22.4
Three years before current fiscal year | 19.2 | 9.9
Four years before current fiscal year | 8.3 | 1.4
Five years before current fiscal year | 1.0 |
Total finance receivables | 125.0 | 126.4
FICO Score, 600 to 699 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 154.3 | 534.1
Fiscal year before current fiscal year | 499.9 | 406.2
Two years before current fiscal year | 362.4 | 298.8
Three years before current fiscal year | 263.2 | 90.2
Four years before current fiscal year | 77.4 | 8.3
Five years before current fiscal year | 6.8 |
Total finance receivables | 1,364.0 | 1,337.6
FICO Score, 700 to 774 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 185.2 | 560.2
Fiscal year before current fiscal year | 519.1 | 402.5
Two years before current fiscal year | 361.6 | 284.9
Three years before current fiscal year | 253.2 | 39.5
Four years before current fiscal year | 34.2 | 3.2
Five years before current fiscal year | 2.7 |
Total finance receivables | 1,356.0 | 1,290.3
FICO Score, Greater than 775 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 201.5 | 528.1
Fiscal year before current fiscal year | 474.9 | 324.9
Two years before current fiscal year | 288.2 | 176.6
Three years before current fiscal year | 156.3 | 9.1
Four years before current fiscal year | 7.9 | 1.3
Five years before current fiscal year | 1.0 |
Total finance receivables | $ 1,129.8 | $ 1,040.0

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