XML 65 R52.htm IDEA: XBRL DOCUMENT v3.24.3
Loans Receivable (Summary of Changes in Loans Receivable and Allowance for Credit Losses) (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Sep. 30, 2024
Sep. 30, 2023
Jun. 30, 2024
Dec. 31, 2023
Jun. 30, 2023
Dec. 31, 2022
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable $ (7,781,500,000) $ (6,780,500,000) $ (7,781,500,000) $ (6,780,500,000) $ (7,547,700,000) $ (6,955,300,000) $ (6,610,300,000) $ (6,297,700,000)
Finance Charges Revenue (507,600,000) (441,700,000) (1,474,500,000) (1,303,800,000)        
Provision for Credit Losses (184,700,000) (184,600,000) (691,300,000) (572,500,000)        
New Consumer Loan Assignments [1] 1,146,600,000 1,022,200,000 3,692,100,000 3,173,500,000        
Proceeds from Collection of Loans Receivable [2] (1,310,500,000) (1,182,100,000) (3,895,700,000) (3,643,800,000)        
Accelerated Payments of Dealer Holdback 13,500,000 10,700,000 46,900,000 35,300,000        
Payments of Dealer Holdback 57,600,000 59,000,000.0 188,100,000 177,300,000        
Loans And Leases Receivable Transfers [3] 0 0 0 0        
Write-offs 0 0 0 0        
Recoveries [4] 0 0 0 0        
Deferral of Loan Origination Costs 3,700,000 3,300,000 11,600,000 9,200,000        
Dealer Loans [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (5,573,400,000) (4,515,000,000) (5,573,400,000) (4,515,000,000) (5,321,100,000) (4,709,800,000) (4,345,700,000) (4,074,800,000)
Finance Charges Revenue (330,100,000) (265,000,000.0) (936,900,000) (770,100,000)        
Provision for Credit Losses (123,500,000) (108,000,000.0) (457,500,000) (327,300,000)        
New Consumer Loan Assignments [1] 899,200,000 732,500,000 2,858,300,000 2,202,900,000        
Proceeds from Collection of Loans Receivable [2] (906,600,000) (775,400,000) (2,650,500,000) (2,376,900,000)        
Accelerated Payments of Dealer Holdback 13,500,000 10,700,000 46,900,000 35,300,000        
Payments of Dealer Holdback 57,600,000 59,000,000.0 188,100,000 177,300,000        
Loans And Leases Receivable Transfers [3] (21,700,000) (17,800,000) (70,200,000) (50,400,000)        
Write-offs 0 0 0 0        
Recoveries [4] 0 0 0 0        
Deferral of Loan Origination Costs 3,700,000 3,300,000 11,600,000 9,200,000        
Purchased Loans [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (2,208,100,000) (2,265,500,000) (2,208,100,000) (2,265,500,000) (2,226,600,000) (2,245,500,000) (2,264,600,000) (2,222,900,000)
Finance Charges Revenue (177,500,000) (176,700,000) (537,600,000) (533,700,000)        
Provision for Credit Losses (61,200,000) (76,600,000) (233,800,000) (245,200,000)        
New Consumer Loan Assignments [1] 247,400,000 289,700,000 833,800,000 970,600,000        
Proceeds from Collection of Loans Receivable [2] (403,900,000) (406,700,000) (1,245,200,000) (1,266,900,000)        
Accelerated Payments of Dealer Holdback 0 0 0 0        
Payments of Dealer Holdback 0 0 0 0        
Loans And Leases Receivable Transfers [3] (21,700,000) (17,800,000) (70,200,000) (50,400,000)        
Write-offs 0 0 0 0        
Recoveries [4] 0 0 0 0        
Deferral of Loan Origination Costs 0 0 0 0        
Loans Receivable [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (11,197,600,000) (9,812,200,000) (11,197,600,000) (9,812,200,000) (10,884,200,000) (10,020,100,000) (9,599,600,000) (9,165,500,000)
Finance Charges Revenue (726,600,000) (632,100,000) (2,095,600,000) (1,854,900,000)        
Provision for Credit Losses 0 0 0 0        
New Consumer Loan Assignments [1] 1,146,600,000 1,022,200,000 3,692,100,000 3,173,500,000        
Proceeds from Collection of Loans Receivable [2] (1,310,500,000) (1,182,100,000) (3,895,700,000) (3,643,800,000)        
Accelerated Payments of Dealer Holdback 13,500,000 10,700,000 46,900,000 35,300,000        
Payments of Dealer Holdback 57,600,000 59,000,000.0 188,100,000 177,300,000        
Loans And Leases Receivable Transfers [3] 0 0 0 0        
Write-offs 326,800,000 333,900,000 967,200,000 963,900,000        
Recoveries [4] (2,700,000) (1,300,000) (6,100,000) (4,200,000)        
Deferral of Loan Origination Costs 3,700,000 3,300,000 11,600,000 9,200,000        
Loans Receivable [Member] | Dealer Loans [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (8,348,700,000) (6,784,600,000) (8,348,700,000) (6,784,600,000) (7,980,600,000) (7,065,500,000) (6,534,100,000) (6,074,800,000)
Finance Charges Revenue (499,800,000) (401,000,000.0) (1,411,800,000) (1,156,800,000)        
Provision for Credit Losses 0 0 0 0        
New Consumer Loan Assignments [1] 899,200,000 732,500,000 2,858,300,000 2,202,900,000        
Proceeds from Collection of Loans Receivable [2] (906,600,000) (775,400,000) (2,650,500,000) (2,376,900,000)        
Accelerated Payments of Dealer Holdback 13,500,000 10,700,000 46,900,000 35,300,000        
Payments of Dealer Holdback 57,600,000 59,000,000.0 188,100,000 177,300,000        
Loans And Leases Receivable Transfers [3] (33,600,000) (27,300,000) (105,000,000.0) (78,900,000)        
Write-offs 167,000,000.0 153,700,000 481,000,000.0 417,200,000        
Recoveries [4] (1,500,000) (400,000) (3,000,000.0) (1,300,000)        
Deferral of Loan Origination Costs 3,700,000 3,300,000 11,600,000 9,200,000        
Loans Receivable [Member] | Purchased Loans [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (2,848,900,000) (3,027,600,000) (2,848,900,000) (3,027,600,000) (2,903,600,000) (2,954,600,000) (3,065,500,000) (3,090,700,000)
Finance Charges Revenue (226,800,000) (231,100,000) (683,800,000) (698,100,000)        
Provision for Credit Losses 0 0 0 0        
New Consumer Loan Assignments [1] 247,400,000 289,700,000 833,800,000 970,600,000        
Proceeds from Collection of Loans Receivable [2] (403,900,000) (406,700,000) (1,245,200,000) (1,266,900,000)        
Accelerated Payments of Dealer Holdback 0 0 0 0        
Payments of Dealer Holdback 0 0 0 0        
Loans And Leases Receivable Transfers [3] (33,600,000) (27,300,000) (105,000,000.0) (78,900,000)        
Write-offs 159,800,000 180,200,000 486,200,000 546,700,000        
Recoveries [4] (1,200,000) (900,000) (3,100,000) (2,900,000)        
Deferral of Loan Origination Costs 0 0 0 0        
Allowance for Credit Losses [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (3,416,100,000) (3,031,700,000) (3,416,100,000) (3,031,700,000) (3,336,500,000) (3,064,800,000) (2,989,300,000) (2,867,800,000)
Finance Charges Revenue (219,000,000.0) (190,400,000) (621,100,000) (551,100,000)        
Provision for Credit Losses (184,700,000) (184,600,000) (691,300,000) (572,500,000)        
New Consumer Loan Assignments [1] 0 0 0 0        
Proceeds from Collection of Loans Receivable [2] 0 0 0 0        
Accelerated Payments of Dealer Holdback 0 0 0 0        
Payments of Dealer Holdback 0 0 0 0        
Loans And Leases Receivable Transfers [3] 0 0 0 0        
Write-offs 326,800,000 333,900,000 967,200,000 963,900,000        
Recoveries [4] (2,700,000) (1,300,000) (6,100,000) (4,200,000)        
Deferral of Loan Origination Costs 0 0 0 0        
Allowance for Credit Losses [Member] | Dealer Loans [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (2,775,300,000) (2,269,600,000) (2,775,300,000) (2,269,600,000) (2,659,500,000) (2,355,700,000) (2,188,400,000) (2,000,000,000)
Finance Charges Revenue (169,700,000) (136,000,000.0) (474,900,000) (386,700,000)        
Provision for Credit Losses (123,500,000) (108,000,000.0) (457,500,000) (327,300,000)        
New Consumer Loan Assignments [1] 0 0 0 0        
Proceeds from Collection of Loans Receivable [2] 0 0 0 0        
Accelerated Payments of Dealer Holdback 0 0 0 0        
Payments of Dealer Holdback 0 0 0 0        
Loans And Leases Receivable Transfers [3] (11,900,000) (9,500,000) (34,800,000) (28,500,000)        
Write-offs 167,000,000.0 153,700,000 481,000,000.0 417,200,000        
Recoveries [4] (1,500,000) (400,000) (3,000,000.0) (1,300,000)        
Deferral of Loan Origination Costs 0 0 0 0        
Allowance for Credit Losses [Member] | Purchased Loans [Member]                
Loans and Leases Receivable, Net [Roll Forward]                
Loans Receivable (640,800,000) (762,100,000) (640,800,000) (762,100,000) $ (677,000,000.0) $ (709,100,000) $ (800,900,000) $ (867,800,000)
Finance Charges Revenue (49,300,000) (54,400,000) (146,200,000) (164,400,000)        
Provision for Credit Losses (61,200,000) (76,600,000) (233,800,000) (245,200,000)        
New Consumer Loan Assignments [1] 0 0 0 0        
Proceeds from Collection of Loans Receivable [2] 0 0 0 0        
Accelerated Payments of Dealer Holdback 0 0 0 0        
Payments of Dealer Holdback 0 0 0 0        
Loans And Leases Receivable Transfers [3] (11,900,000) (9,500,000) (34,800,000) (28,500,000)        
Write-offs 159,800,000 180,200,000 486,200,000 546,700,000        
Recoveries [4] (1,200,000) (900,000) (3,100,000) (2,900,000)        
Deferral of Loan Origination Costs $ 0 $ 0 $ 0 $ 0        
[1] The Dealer Loans amount represents advances paid to Dealers on Consumer Loans assigned under our Portfolio Program. The Purchased Loans amount represents one-time payments made to Dealers to purchase Consumer Loans assigned under our Purchase Program.
[2] Represents repayments that we collected on Consumer Loans assigned under our programs.
[3] Under our Portfolio Program, certain events may result in Dealers forfeiting their rights to Dealer Holdback. We transfer the Dealer’s outstanding Dealer Loan balance and related allowance for credit losses balance to Purchased Loans in the period this forfeiture occurs.
[4] The Dealer Loans amount represents net cash flows received (collections less any related Dealer Holdback payments) on Dealer Loans that were previously written off in full. The Purchased Loans amount represents collections received on Purchased Loans that were previously written off in full.