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FINANCE RECEIVABLES - Schedule of Finance Receivables by FICO Score (Details) - USD ($) $ in Millions | Jun. 30, 2026 | Dec. 31, 2025
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Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Total finance receivables | $ 5,407.5 | $ 4,872.8
Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 1,497.7 | 2,266.5
Fiscal year before current fiscal year | 1,862.8 | 1,124.1
Two years before current fiscal year | 889.1 | 725.6
Three years before current fiscal year | 549.9 | 455.4
Four years before current fiscal year | 329.0 | 75.1
Five years before current fiscal year | 51.2 | 5.5
Total finance receivables | 5,179.7 | 4,652.2
Other Finance Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Total finance receivables | 227.8 | 220.6
Less than 599 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 20.4 | 42.0
Fiscal year before current fiscal year | 34.2 | 34.4
Two years before current fiscal year | 26.8 | 22.7
Three years before current fiscal year | 16.7 | 12.0
Four years before current fiscal year | 8.4 | 4.7
Five years before current fiscal year | 3.2 | 0.5
Total finance receivables | 109.7 | 116.3
FICO Score, 600 to 699 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 414.5 | 629.9
Fiscal year before current fiscal year | 529.2 | 369.1
Two years before current fiscal year | 294.4 | 250.9
Three years before current fiscal year | 191.0 | 173.0
Four years before current fiscal year | 125.2 | 45.2
Five years before current fiscal year | 30.6 | 3.3
Total finance receivables | 1,584.9 | 1,471.4
FICO Score, 700 to 774 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 510.9 | 784.1
Fiscal year before current fiscal year | 652.7 | 382.1
Two years before current fiscal year | 302.3 | 254.7
Three years before current fiscal year | 195.8 | 168.4
Four years before current fiscal year | 122.4 | 20.4
Five years before current fiscal year | 14.0 | 1.3
Total finance receivables | 1,798.1 | 1,611.0
FICO Score, Greater than 775 | Auto Loan Receivables |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |
Current year | 551.9 | 810.5
Fiscal year before current fiscal year | 646.7 | 338.5
Two years before current fiscal year | 265.6 | 197.3
Three years before current fiscal year | 146.4 | 102.0
Four years before current fiscal year | 73.0 | 4.8
Five years before current fiscal year | 3.4 | 0.4
Total finance receivables | $ 1,687.0 | $ 1,453.5

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