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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Millions
 6 Months Ended
Jun. 30, 2022
Jun. 30, 2021
Cash Flows From Operating Activities:    
Net income $ 321.7 $ 490.7
Adjustments to reconcile cash provided by operating activities:    
Provision for credit losses 170.8 (9.2)
Depreciation 4.6 4.8
Amortization 8.5 8.1
Provision for deferred income taxes 5.7 11.0
Stock-based compensation 18.2 (9.8)
Other 0.1 (0.2)
Change in operating assets and liabilities:    
Increase in accounts payable and accrued liabilities 37.2 40.4
Decrease in income taxes receivable 57.0 129.1
Decrease in other assets 1.8 3.6
Net cash provided by operating activities 625.6 668.5
Payments to Acquire Debt Securities, Available-for-sale 24.4 25.2
Cash Flows From Investing Activities:    
Proceeds from sale of restricted securities available for sale 6.3 6.1
Maturities of restricted securities available for sale 10.9 14.8
Principal collected on Loans receivable 1,855.5 1,966.5
Advances to Dealers (1,320.0) (1,158.7)
Purchases of Consumer Loans (578.4) (672.8)
Accelerated payments of Dealer Holdback (24.9) (26.6)
Payments of Dealer Holdback (90.4) (79.4)
Purchases of property and equipment (1.0) (3.1)
Net cash provided by (used in) investing activities (166.4) 21.6
Cash Flows From Financing Activities:    
Borrowings under revolving secured line of credit 3,876.1 994.2
Repayments under revolving secured line of credit (3,658.0) (1,090.1)
Proceeds from secured financing 729.8 1,379.8
Repayments of secured financing (773.9) (1,108.0)
Payments of debt issuance costs (7.0) (11.2)
Repurchase of common stock (652.7) (389.7)
Proceeds from Issuance of Common Stock 11.1 0.0
Other 12.0 (0.4)
Net cash used in financing activities (462.6) (225.4)
Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents (3.4) 464.7
Cash and cash equivalents and restricted cash and cash equivalents beginning of period 434.2 396.2
Cash and cash equivalents and restricted cash and cash equivalents end of period 430.8 860.9
Supplemental Disclosure of Cash Flow Information:    
Cash paid during the period for interest 66.8 78.3
Cash paid during the period for income taxes, net of refunds $ 37.9 $ 67.9