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Description of Business (Tables) | 9 Months Ended
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Sep. 30, 2025
Description Of Business [Abstract] |
Percentage of Consumer Loans Assigned with FICO Score of Less Than 650 or No FICO Score | The following table shows the percentage of Consumer Loans assigned to us with either FICO® scores below 650 or no FICO® scores:
|  | For the Three Months Ended September 30, |  | For the Nine Months Ended September 30,
Consumer Loan Assignment Volume |  | 2025 |  | 2024 |  | 2025 |  | 2024
Percentage of total unit volume with either FICO® scores below 650 or no FICO® scores |  | 77.6 | % |  | 79.1 | % |  | 79.5 | % |  | 81.0 | %
Schedule of Percentage of Consumer Loans Assigned Based on Unit Volumes | The following table shows the percentage of Consumer Loans assigned to us as Dealer Loans and Purchased Loans for each of the last eight quarters:
|  | Unit Volume |  | Dollar Volume (1)
Three Months Ended |  | Dealer Loans |  | Purchased Loans |  | Dealer Loans |  | Purchased Loans
December 31, 2023 |  | 77.2 | % |  | 22.8 | % |  | 75.0 | % |  | 25.0 | %
March 31, 2024 |  | 78.2 | % |  | 21.8 | % |  | 76.6 | % |  | 23.4 | %
June 30, 2024 |  | 78.5 | % |  | 21.5 | % |  | 77.3 | % |  | 22.7 | %
September 30, 2024 |  | 79.5 | % |  | 20.5 | % |  | 78.4 | % |  | 21.6 | %
December 31, 2024 |  | 78.7 | % |  | 21.3 | % |  | 77.7 | % |  | 22.3 | %
March 31, 2025 |  | 77.0 | % |  | 23.0 | % |  | 75.1 | % |  | 24.9 | %
June 30, 2025 |  | 71.6 | % |  | 28.4 | % |  | 68.3 | % |  | 31.7 | %
September 30, 2025 |  | 73.1 | % |  | 26.9 | % |  | 70.6 | % |  | 29.4 | %
(1)Represents advances paid to Dealers on Consumer Loans assigned under the Portfolio Program and one-time payments made to Dealers to purchase Consumer Loans assigned under the Purchase Program. Payments of Dealer Holdback (as defined below) and accelerated Dealer Holdback are not included.

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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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