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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Millions
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Cash Flows From Operating Activities:    
Net income $ 106.3 $ 64.3
Adjustments to reconcile cash provided by operating activities:    
Provision for credit losses 161.9 186.0
Depreciation 1.2 2.2
Amortization 5.7 4.9
Provision for deferred income taxes 1.6 31.9
Stock-based compensation 12.9 10.9
Loss on extinguishment of debt 1.2 0.0
Other 0.2 0.4
Change in operating assets and liabilities:    
Increase in accounts payable and accrued liabilities 27.3 16.6
Increase in income taxes receivable (2.2) (6.8)
Increase (decrease) in income taxes payable 26.8 (11.5)
Decrease in other assets 3.3 11.1
Net cash provided by operating activities 346.2 310.0
Cash Flows From Investing Activities:    
Payments to Acquire Debt Securities, Available-for-sale 10.3 21.7
Proceeds from sale of restricted securities available for sale 7.0 12.9
Maturities of restricted securities available for sale 1.8 1.5
Principal collected on Loans receivable 890.9 820.7
Advances to Dealers (835.8) (1,009.4)
Purchases of Consumer Loans (276.9) (307.6)
Accelerated payments of Dealer Holdback (13.2) (15.1)
Payments of Dealer Holdback (54.8) (64.9)
Purchases of property and equipment (0.3) (0.3)
Net cash used in investing activities (291.6) (583.9)
Cash Flows From Financing Activities:    
Borrowings under revolving secured lines of credit 8.7 2,042.0
Repayments under revolving secured lines of credit (7.4) (1,951.7)
Proceeds from secured financing 651.0 1,062.8
Repayments of secured financing (396.0) (607.3)
Proceeds from issuance of senior notes 500.0 0.0
Repayment of senior notes 400.0 0.0
Payments of debt issuance costs (10.6) (6.3)
Repurchase of common stock (164.4) (191.1)
Proceeds from Issuance of Common Stock 5.6 14.6
Other 34.1 7.6
Net cash provided by financing activities 221.0 370.6
Net increase in cash and cash equivalents and restricted cash and cash equivalents 275.6 96.7
Cash and cash equivalents and restricted cash and cash equivalents beginning of period 845.0 470.9
Cash and cash equivalents and restricted cash and cash equivalents end of period 1,120.6 567.6
Supplemental Disclosure of Cash Flow Information:    
Cash paid during the period for interest 99.5 77.9
Cash paid during the period for income taxes, net of refunds $ 6.5 $ 5.2