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FINANCE RECEIVABLES - Schedule of Finance Receivables by FICO Score (Details) - USD ($) $ in Millions | Sep. 30, 2025 | Dec. 31, 2024
--- | --- | ---
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Total finance receivables | $ 4,661.6 | $ 3,971.1
Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 1,753.5 | 1,675.4
Fiscal year before current fiscal year | 1,251.9 | 1,173.3
Two years before current fiscal year | 822.4 | 782.7
Three years before current fiscal year | 527.3 | 148.7
Four years before current fiscal year | 90.8 | 14.2
Five years before current fiscal year | 7.1 |
Total finance receivables | 4,453.0 | 3,794.3
Other Finance Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Total finance receivables | 208.6 | 176.8
Less than 599 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 35.9 | 53.0
Fiscal year before current fiscal year | 39.2 | 39.7
Two years before current fiscal year | 26.2 | 22.4
Three years before current fiscal year | 14.1 | 9.9
Four years before current fiscal year | 5.8 | 1.4
Five years before current fiscal year | 0.6 |
Total finance receivables | 121.8 | 126.4
FICO Score, 600 to 699 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 490.1 | 534.1
Fiscal year before current fiscal year | 410.0 | 406.2
Two years before current fiscal year | 284.2 | 298.8
Three years before current fiscal year | 200.5 | 90.2
Four years before current fiscal year | 54.7 | 8.3
Five years before current fiscal year | 4.3 |
Total finance receivables | 1,443.8 | 1,337.6
FICO Score, 700 to 774 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 612.7 | 560.2
Fiscal year before current fiscal year | 423.3 | 402.5
Two years before current fiscal year | 287.2 | 284.9
Three years before current fiscal year | 194.3 | 39.5
Four years before current fiscal year | 24.6 | 3.2
Five years before current fiscal year | 1.7 |
Total finance receivables | 1,543.8 | 1,290.3
FICO Score, Greater than 775 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 614.8 | 528.1
Fiscal year before current fiscal year | 379.4 | 324.9
Two years before current fiscal year | 224.8 | 176.6
Three years before current fiscal year | 118.4 | 9.1
Four years before current fiscal year | 5.7 | 1.3
Five years before current fiscal year | 0.5 |
Total finance receivables | $ 1,343.6 | $ 1,040.0

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