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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