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v3.26.1

Loans Receivable (Summary of Changes in Loans Receivable and Allowance for Credit Losses) (Details) - USD ($) $ in Millions | 3 Months Ended |  |
--- | --- | --- | ---
Mar. 31, 2026 | Mar. 31, 2025 | Dec. 31, 2025 | Dec. 31, 2024
Loans and Leases Receivable, Net [Roll Forward] |  |  |  |  |
Loans Receivable |  | $ (7,956.4) | $ (7,978.2) | $ (7,909.2) | $ (7,850.3)
Finance Charges Revenue |  | (538.4) | (526.7) |  |
Provision for Credit Losses |  | (139.6) | (161.9) |  |
New Consumer Loan Assignments | [1] | 1,068.6 | 1,112.7 |  |
Proceeds from Collection of Loans Receivable | [2] | (1,470.9) | (1,421.1) |  |
Accelerated Payments of Dealer Holdback |  | 12.5 | 13.2 |  |
Payments of Dealer Holdback |  | 34.6 | 54.8 |  |
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 |  | 3.6 | 3.5 |  |
Dealer Loans [Member] |  |  |  |  |
Loans and Leases Receivable, Net [Roll Forward] |  |  |  |  |
Loans Receivable |  | (5,705.4) | (5,799.7) | (5,701.7) | (5,676.5)
Finance Charges Revenue |  | (354.9) | (349.3) |  |
Provision for Credit Losses |  | (71.7) | (104.7) |  |
New Consumer Loan Assignments | [1] | 739.6 | 835.8 |  |
Proceeds from Collection of Loans Receivable | [2] | (1,037.6) | (1,001.7) |  |
Accelerated Payments of Dealer Holdback |  | 12.5 | 13.2 |  |
Payments of Dealer Holdback |  | 34.6 | 54.8 |  |
Loans And Leases Receivable Transfers | [3] | (32.2) | (27.0) |  |
Write-offs |  | 0.0 | 0.0 |  |
Recoveries | [4] | 0.0 | 0.0 |  |
Deferral of Loan Origination Costs |  | 3.6 | 3.5 |  |
Purchased Loans [Member] |  |  |  |  |
Loans and Leases Receivable, Net [Roll Forward] |  |  |  |  |
Loans Receivable |  | (2,251.0) | (2,178.5) | (2,207.5) | (2,173.8)
Finance Charges Revenue |  | (183.5) | (177.4) |  |
Provision for Credit Losses |  | (67.9) | (57.2) |  |
New Consumer Loan Assignments | [1] | 329.0 | 276.9 |  |
Proceeds from Collection of Loans Receivable | [2] | (433.3) | (419.4) |  |
Accelerated Payments of Dealer Holdback |  | 0.0 | 0.0 |  |
Payments of Dealer Holdback |  | 0.0 | 0.0 |  |
Loans And Leases Receivable Transfers | [3] | (32.2) | (27.0) |  |
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 |  | (11,578.5) | (11,476.7) | (11,511.5) | (11,289.1)
Finance Charges Revenue |  | (776.9) | (752.4) |  |
Provision for Credit Losses |  | 0.0 | 0.0 |  |
New Consumer Loan Assignments | [1] | 1,068.6 | 1,112.7 |  |
Proceeds from Collection of Loans Receivable | [2] | (1,470.9) | (1,421.1) |  |
Accelerated Payments of Dealer Holdback |  | 12.5 | 13.2 |  |
Payments of Dealer Holdback |  | 34.6 | 54.8 |  |
Loans And Leases Receivable Transfers | [3] | 0.0 | 0.0 |  |
Write-offs |  | 360.3 | 329.4 |  |
Recoveries | [4] | (2.0) | (1.5) |  |
Deferral of Loan Origination Costs |  | 3.6 | 3.5 |  |
Loans Receivable [Member] | Dealer Loans [Member] |  |  |  |  |
Loans and Leases Receivable, Net [Roll Forward] |  |  |  |  |
Loans Receivable |  | (8,824.2) | (8,734.1) | (8,790.8) | (8,521.0)
Finance Charges Revenue |  | (554.2) | (531.2) |  |
Provision for Credit Losses |  | 0.0 | 0.0 |  |
New Consumer Loan Assignments | [1] | 739.6 | 835.8 |  |
Proceeds from Collection of Loans Receivable | [2] | (1,037.6) | (1,001.7) |  |
Accelerated Payments of Dealer Holdback |  | 12.5 | 13.2 |  |
Payments of Dealer Holdback |  | 34.6 | 54.8 |  |
Loans And Leases Receivable Transfers | [3] | (47.1) | (40.4) |  |
Write-offs |  | 226.9 | 183.6 |  |
Recoveries | [4] | (0.5) | (0.3) |  |
Deferral of Loan Origination Costs |  | 3.6 | 3.5 |  |
Loans Receivable [Member] | Purchased Loans [Member] |  |  |  |  |
Loans and Leases Receivable, Net [Roll Forward] |  |  |  |  |
Loans Receivable |  | (2,754.3) | (2,742.6) | (2,720.7) | (2,768.1)
Finance Charges Revenue |  | (222.7) | (221.2) |  |
Provision for Credit Losses |  | 0.0 | 0.0 |  |
New Consumer Loan Assignments | [1] | 329.0 | 276.9 |  |
Proceeds from Collection of Loans Receivable | [2] | (433.3) | (419.4) |  |
Accelerated Payments of Dealer Holdback |  | 0.0 | 0.0 |  |
Payments of Dealer Holdback |  | 0.0 | 0.0 |  |
Loans And Leases Receivable Transfers | [3] | (47.1) | (40.4) |  |
Write-offs |  | 133.4 | 145.8 |  |
Recoveries | [4] | (1.5) | (1.2) |  |
Deferral of Loan Origination Costs |  | 0.0 | 0.0 |  |
Allowance for Credit Losses [Member] |  |  |  |  |
Loans and Leases Receivable, Net [Roll Forward] |  |  |  |  |
Loans Receivable |  | (3,622.1) | (3,498.5) | (3,602.3) | (3,438.8)
Finance Charges Revenue |  | (238.5) | (225.7) |  |
Provision for Credit Losses |  | (139.6) | (161.9) |  |
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 |  | 360.3 | 329.4 |  |
Recoveries | [4] | (2.0) | (1.5) |  |
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 |  | (3,118.8) | (2,934.4) | (3,089.1) | (2,844.5)
Finance Charges Revenue |  | (199.3) | (181.9) |  |
Provision for Credit Losses |  | (71.7) | (104.7) |  |
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] | (14.9) | (13.4) |  |
Write-offs |  | 226.9 | 183.6 |  |
Recoveries | [4] | (0.5) | (0.3) |  |
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 |  | (503.3) | (564.1) | $ (513.2) | $ (594.3)
Finance Charges Revenue |  | (39.2) | (43.8) |  |
Provision for Credit Losses |  | (67.9) | (57.2) |  |
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] | (14.9) | (13.4) |  |
Write-offs |  | 133.4 | 145.8 |  |
Recoveries | [4] | (1.5) | (1.2) |  |
Deferral of Loan Origination Costs |  | $ 0.0 | $ 0.0 |  |
[1] | The Dealer Loans amount represents advances paid to Dealers on Consumer Loans assigned under the Portfolio Program. The Purchased Loans amount represents one-time payments made to Dealers to purchase Consumer Loans assigned under the Purchase Program.
[2] | Represents repayments that we collected on Consumer Loans assigned under our programs.
[3] | Under the 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.

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- Definition The cash outflow for payments made to dealers under our Portfolio Program at the time a pool of 100 or more consumer loans is closed by dealers with a single open pool or at the time 100 consumer loans have been collectively assigned by dealers with multiple open pools. + References No definition available. + Details
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- Definition Loans and leases receivable transfers. + References No definition available. + Details
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- Definition The cash outflow for payments made to dealers under our Portfolio Program from the portion of the collections on the underlying consumer loans that exceed amounts retained by us to recover the advance balance, certain collection costs, and our servicing fee. + References No definition available. + Details
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- Definition Amount of increase in allowance for credit loss on financing receivable from recovery. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 Reference 3: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(4) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B + Details
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- Definition Amortized cost, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481990/310-10-45-2 Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 942 -SubTopic 210 -Name Accounting Standards Codification -Section S45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147477657/942-210-S45-1 Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 942 -SubTopic 210 -Name Accounting Standards Codification -Section S50 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147478478/942-210-S50-1 Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 942 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1 Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 860 -SubTopic 30 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Subparagraph (b)(1)(i) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481420/860-30-50-1A Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 946 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.6-04(5)(b)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1 Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-03(a)(3)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1 + Details
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