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FINANCE RECEIVABLES - Schedule of Finance Receivables by FICO Score (Details) - USD ($) $ in Millions | Jun. 30, 2025 | Dec. 31, 2024
--- | --- | ---
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Total finance receivables | $ 4,422.1 | $ 3,971.1
Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 1,179.6 | 1,675.4
Fiscal year before current fiscal year | 1,391.3 | 1,173.3
Two years before current fiscal year | 931.1 | 782.7
Three years before current fiscal year | 607.2 | 148.7
Four years before current fiscal year | 108.8 | 14.2
Five years before current fiscal year | 9.1 |
Total finance receivables | 4,227.1 | 3,794.3
Other Finance Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Total finance receivables | 195.0 | 176.8
Less than 599 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 25.9 | 53.0
Fiscal year before current fiscal year | 44.3 | 39.7
Two years before current fiscal year | 30.3 | 22.4
Three years before current fiscal year | 16.7 | 9.9
Four years before current fiscal year | 6.9 | 1.4
Five years before current fiscal year | 0.8 |
Total finance receivables | 124.9 | 126.4
FICO Score, 600 to 699 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 323.4 | 534.1
Fiscal year before current fiscal year | 454.0 | 406.2
Two years before current fiscal year | 321.8 | 298.8
Three years before current fiscal year | 231.4 | 90.2
Four years before current fiscal year | 65.9 | 8.3
Five years before current fiscal year | 5.4 |
Total finance receivables | 1,401.9 | 1,337.6
FICO Score, 700 to 774 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 407.9 | 560.2
Fiscal year before current fiscal year | 469.0 | 402.5
Two years before current fiscal year | 323.7 | 284.9
Three years before current fiscal year | 222.6 | 39.5
Four years before current fiscal year | 29.2 | 3.2
Five years before current fiscal year | 2.2 |
Total finance receivables | 1,454.6 | 1,290.3
FICO Score, Greater than 775 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 422.4 | 528.1
Fiscal year before current fiscal year | 424.0 | 324.9
Two years before current fiscal year | 255.3 | 176.6
Three years before current fiscal year | 136.5 | 9.1
Four years before current fiscal year | 6.8 | 1.3
Five years before current fiscal year | 0.7 |
Total finance receivables | $ 1,245.7 | $ 1,040.0

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