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Auto Loans Receivable (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Auto Loans Receivable | The components of auto loans receivable, net of third -party unearned discounts and allowances for expected credit losses, at September 30, 2025, and December 31, 2024, are as follows:
| September 30, 2025 |  | December 31, 2024
Total auto loans receivable | $ | 2,020.0 |  |  | $ | 1,103.8 |
Accrued interest and fees | 12.8 |  |  | 8.2 |
Deferred loan origination costs | 10.4 |  |  | 4.2 |
Less: unearned discounts | (0.3) |  |  | (4.3) |
Less: allowances for expected credit losses | (89.0) |  |  | (54.8) |
Auto loans receivable, net | $ | 1,953.9 |  |  | $ | 1,057.1 |
Financing Receivable Credit Quality Indicators | The following tables present auto loans receivable as of September 30, 2025, and December 31, 2024, disaggregated by major credit program tier, in descending order of highest likelihood of repayment:
|  |  |  | Fiscal Year of Origination |  |
As of September 30, 2025 |  | Weighted Average FICO Score |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior to 2021 |  | Total
Credit Program Tier(1): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Palladium |  | 732 |  | $ | 490.6 |  |  | $ | 140.8 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 631.4 |
Rhodium |  | 698 |  | 236.6 |  |  | 109.4 |  |  | 12.2 |  |  | 0.1 |  |  | — |  |  | — |  |  | 358.3 |
Platinum |  | 652 |  | 454.9 |  |  | 399.2 |  |  | 59.1 |  |  | 1.1 |  |  | 2.2 |  |  | 0.5 |  |  | 917.0 |
Gold |  | 624 |  | 21.2 |  |  | 49.1 |  |  | 17.2 |  |  | 0.7 |  |  | 4.0 |  |  | 0.7 |  |  | 92.9 |
Silver |  | 574 |  | 1.9 |  |  | 0.2 |  |  | 9.1 |  |  | 0.6 |  |  | 2.4 |  |  | 0.4 |  |  | 14.6 |
Bronze |  | 547 |  | 0.8 |  |  | 0.1 |  |  | 2.7 |  |  | 0.2 |  |  | 1.2 |  |  | 0.2 |  |  | 5.2 |
Copper |  | 558 |  | 0.2 |  |  | — |  |  | 0.1 |  |  | — |  |  | 0.3 |  |  | — |  |  | 0.6 |
Total auto loans receivable |  | $ | 1,206.2 |  |  | $ | 698.8 |  |  | $ | 100.4 |  |  | $ | 2.7 |  |  | $ | 10.1 |  |  | $ | 1.8 |  |  | $ | 2,020.0 |
Current-period gross write-offs |  | $ | 8.3 |  |  | $ | 30.0 |  |  | $ | 12.2 |  |  | $ | 1.1 |  |  | $ | 2.7 |  |  | $ | 0.5 |  |  | $ | 54.8 |
|  |  |  | Fiscal Year of Origination |  |
As of December 31, 2024 |  | Weighted Average FICO Score |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior to 2020 |  | Total
Credit Program Tier(1): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Palladium |  | 734 |  | $ | 194.0 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 194.0 |
Rhodium |  | 702 |  | 147.6 |  |  | 16.9 |  |  | 0.1 |  |  | — |  |  | — |  |  | — |  |  | 164.6 |
Platinum |  | 651 |  | 525.1 |  |  | 82.3 |  |  | 1.7 |  |  | 4.0 |  |  | 1.0 |  |  | 0.1 |  |  | 614.2 |
Gold |  | 623 |  | 64.9 |  |  | 25.0 |  |  | 1.3 |  |  | 7.3 |  |  | 1.6 |  |  | 0.1 |  |  | 100.2 |
Silver |  | 574 |  | 0.3 |  |  | 13.4 |  |  | 1.2 |  |  | 5.4 |  |  | 1.2 |  |  | 0.1 |  |  | 21.6 |
Bronze |  | 551 |  | 0.1 |  |  | 4.0 |  |  | 0.2 |  |  | 2.8 |  |  | 0.6 |  |  | — |  |  | 7.7 |
Copper |  | 562 |  | — |  |  | 0.2 |  |  | — |  |  | 1.1 |  |  | 0.2 |  |  | — |  |  | 1.5 |
Total auto loans receivable |  | $ | 932.0 |  |  | $ | 141.8 |  |  | $ | 4.5 |  |  | $ | 20.6 |  |  | $ | 4.6 |  |  | $ | 0.3 |  |  | $ | 1,103.8 |
(1) Classified based on credit grade assigned when customer was initially approved for financing.
Financing Receivable, Allowance for Credit Loss | The following is a rollforward of our allowance for expected credit losses for auto loans receivable for the nine months ended September 30, 2025 and 2024:
|  | Nine Months Ended September 30,
|  | 2025 |  | 2024
Balance as of beginning of year |  | $ | 54.8 |  |  | $ | 46.3 |
Provision for credit losses |  | 61.8 |  |  | 34.0 |
Write-offs |  | (54.8) |  |  | (44.6) |
Recoveries(1) |  | 27.2 |  |  | 19.3 |
Balance as of end of period |  | $ | 89.0 |  |  | $ | 55.0 |
(1) Includes proceeds from the recovery of vehicle collateral, net of costs incurred. |  |
Financing Receivable, Past Due | The following table presents past due auto loans receivable, as of September 30, 2025, and December 31, 2024:
| Age Analysis of Past-Due Auto Loans Receivable as of
| September 30, 2025 |  | December 31, 2024
31-60 Days | $ | 35.1 |  |  | $ | 20.6 |
61-90 Days | 9.8 |  |  | 5.5
Greater than 90 Days | 3.6 |  |  | 2.7
Total Past Due | $ | 48.5 |  |  | $ | 28.8 |
Current | 1,971.5 |  |  | 1,075.0 |
Total | $ | 2,020.0 |  |  | $ | 1,103.8 |

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
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