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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Millions
 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Cash Flows From Operating Activities:    
Net income $ 192.5 $ 408.5
Adjustments to reconcile cash provided by operating activities:    
Provision for credit losses 572.5 351.1
Depreciation 6.6 6.8
Amortization 13.3 12.5
Provision for deferred income taxes 35.1 3.8
Stock-based compensation 29.0 26.9
Other 0.5 0.1
Change in operating assets and liabilities:    
Increase in accounts payable and accrued liabilities 14.6 44.4
Decrease (increase) in income taxes receivable (5.5) 80.2
Increase in income taxes payable 7.0 0.0
Decrease in other assets 27.0 17.6
Net cash provided by operating activities 892.6 951.9
Payments to Acquire Debt Securities, Available-for-sale 34.7 38.2
Cash Flows From Investing Activities:    
Proceeds from sale of restricted securities available for sale 12.3 9.5
Maturities of restricted securities available for sale 8.1 17.9
Principal collected on Loans receivable 2,330.8 2,670.8
Advances to Dealers (2,202.9) (1,971.9)
Purchases of Consumer Loans (970.6) (851.4)
Accelerated payments of Dealer Holdback (35.3) (35.2)
Payments of Dealer Holdback (177.3) (138.7)
Purchases of property and equipment (2.3) (1.9)
Net cash used in investing activities (1,071.9) (339.1)
Cash Flows From Financing Activities:    
Borrowings under revolving secured lines of credit 5,529.1 5,867.3
Repayments under revolving secured lines of credit (5,457.9) (5,681.0)
Proceeds from secured financing 2,004.0 847.8
Repayments of secured financing (1,722.9) (1,028.9)
Payments of debt issuance costs (16.0) (7.9)
Repurchase of common stock (149.0) (679.2)
Proceeds from Issuance of Common Stock 4.4 12.4
Other 8.1 17.9
Net cash provided by (used in) financing activities 199.8 (651.6)
Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents 20.5 (38.8)
Cash and cash equivalents and restricted cash and cash equivalents beginning of period 417.7 434.2
Cash and cash equivalents and restricted cash and cash equivalents end of period 438.2 395.4
Supplemental Disclosure of Cash Flow Information:    
Cash paid during the period for interest 172.7 105.1
Cash paid during the period for income taxes, net of refunds $ 19.7 $ 50.0