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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Millions
 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Cash Flows From Operating Activities:    
Net income $ 271.7 $ 193.7
Adjustments to reconcile cash provided by operating activities:    
Provision for credit losses 298.8 334.5
Depreciation 1.4 2.1
Amortization 9.9 11.6
Provision for deferred income taxes (4.5) (13.3)
Stock-based compensation 20.0 25.6
Loss on extinguishment of debt 0.0 1.2
Other (0.1) 0.1
Change in operating assets and liabilities:    
Increase (decrease) in accounts payable and accrued liabilities (8.2) 33.5
Decrease (increase) in income taxes receivable 58.8 (5.2)
Increase (decrease) in income taxes payable 4.3 (103.4)
Decrease in other assets 4.2 5.5
Net cash provided by operating activities 656.3 485.9
Cash Flows From Investing Activities:    
Payments to Acquire Debt Securities, Available-for-sale 38.6 19.2
Proceeds from sale of restricted securities available for sale 18.3 12.6
Maturities of restricted securities available for sale 8.5 7.5
Principal collected on Loans receivable 1,809.6 1,755.9
Advances to Dealers (1,390.8) (1,517.8)
Purchases of Consumer Loans (677.0) (592.9)
Accelerated payments of Dealer Holdback (25.0) (27.8)
Payments of Dealer Holdback (65.6) (103.5)
Purchases of property and equipment (2.9) (0.6)
Net cash used in investing activities (363.5) (485.8)
Cash Flows From Financing Activities:    
Borrowings under revolving secured lines of credit 4,069.8 40.5
Repayments under revolving secured lines of credit (3,999.3) (39.1)
Proceeds from secured financing 826.0 651.0
Repayments of secured financing (969.6) (635.8)
Proceeds from issuance of senior notes 0.0 500.0
Repayment of senior notes 0.0 400.0
Payments of debt issuance costs (5.7) (12.3)
Repurchase of common stock (320.3) (426.6)
Proceeds from Issuance of Common Stock 95.1 11.1
Other 2.6 29.9
Net cash used in financing activities (301.4) (281.3)
Net decrease in cash and cash equivalents and restricted cash and cash equivalents (8.6) (281.2)
Cash and cash equivalents and restricted cash and cash equivalents beginning of period 500.7 845.0
Cash and cash equivalents and restricted cash and cash equivalents end of period 492.1 563.8
Supplemental Disclosure of Cash Flow Information:    
Cash paid during the period for interest 207.2 217.4
Cash paid during the period for income taxes, net of refunds $ 13.8 $ 183.4