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Finance Receivables - Schedule of Financing Receivable Credit Quality Indicators (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2024 | Sep. 30, 2023 | Sep. 30, 2024 | Sep. 30, 2023 | Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses |  |  |  |  |
Total | $ 8,200,299 | $ 8,047,938 | $ 8,200,299 | $ 8,047,938 | $ 7,880,231
Gross Charge-offs |  |  |  |  |
Total | 65,029 | 63,738 | 207,109 | 182,183 |
Retail |  |  |  |  |
Financing Receivable, Allowance for Credit Losses |  |  |  |  |
Year 1 | 2,186,907 | 2,304,600 | 2,186,907 | 2,304,600 | 2,637,198
Year 2 | 1,966,753 | 2,248,697 | 1,966,753 | 2,248,697 | 2,043,433
Year 3 | 1,469,774 | 1,310,598 | 1,469,774 | 1,310,598 | 1,176,286
Year 4 | 803,189 | 599,961 | 803,189 | 599,961 | 526,884
Year 5 | 325,628 | 333,566 | 325,628 | 333,566 | 280,805
More than 5 years | 209,724 | 200,975 | 209,724 | 200,975 | 154,093
Total | 6,961,975 | 6,998,397 | 6,961,975 | 6,998,397 | 6,818,699
Gross Charge-offs |  |  |  |  |
Year 1 |  |  | 4,767 | 5,216 | 20,574
Year 2 |  |  | 67,005 | 72,243 | 103,391
Year 3 |  |  | 68,921 | 55,477 | 75,078
Year 4 |  |  | 36,981 | 23,360 | 31,368
Year 5 |  |  | 15,599 | 13,842 | 18,366
More than 5 years |  |  | 13,836 | 12,045 | 15,138
Total | 65,029 | 63,738 | 207,109 | 182,183 | 263,915
Retail | United States |  |  |  |  |
Financing Receivable, Allowance for Credit Losses |  |  |  |  |
Year 1 | 2,140,696 | 2,246,111 | 2,140,696 | 2,246,111 | 2,572,883
Year 2 | 1,920,574 | 2,200,019 | 1,920,574 | 2,200,019 | 1,998,720
Year 3 | 1,439,402 | 1,281,982 | 1,439,402 | 1,281,982 | 1,150,467
Year 4 | 787,314 | 583,493 | 787,314 | 583,493 | 512,436
Year 5 | 317,872 | 323,927 | 317,872 | 323,927 | 273,031
More than 5 years | 205,507 | 196,002 | 205,507 | 196,002 | 150,461
Total | 6,811,365 | 6,831,534 | 6,811,365 | 6,831,534 | 6,657,998
Gross Charge-offs |  |  |  |  |
Year 1 |  |  | 4,680 | 5,141 | 20,047
Year 2 |  |  | 65,972 | 71,540 | 102,387
Year 3 |  |  | 67,945 | 54,843 | 74,212
Year 4 |  |  | 36,365 | 23,023 | 30,896
Year 5 |  |  | 15,270 | 13,622 | 18,088
More than 5 years |  |  | 13,485 | 11,663 | 14,655
Total |  |  | 203,717 | 179,832 | 260,285
Retail | Canada |  |  |  |  |
Financing Receivable, Allowance for Credit Losses |  |  |  |  |
Year 1 | 46,211 | 58,489 | 46,211 | 58,489 | 64,315
Year 2 | 46,179 | 48,678 | 46,179 | 48,678 | 44,713
Year 3 | 30,372 | 28,616 | 30,372 | 28,616 | 25,819
Year 4 | 15,875 | 16,468 | 15,875 | 16,468 | 14,448
Year 5 | 7,756 | 9,639 | 7,756 | 9,639 | 7,774
More than 5 years | 4,217 | 4,973 | 4,217 | 4,973 | 3,632
Total | 150,610 | 166,863 | 150,610 | 166,863 | 160,701
Gross Charge-offs |  |  |  |  |
Year 1 |  |  | 87 | 75 | 527
Year 2 |  |  | 1,033 | 703 | 1,004
Year 3 |  |  | 976 | 634 | 866
Year 4 |  |  | 616 | 337 | 472
Year 5 |  |  | 329 | 220 | 278
More than 5 years |  |  | 351 | 382 | 483
Total |  |  | 3,392 | 2,351 | 3,630
Retail | Super prime | United States |  |  |  |  |
Financing Receivable, Allowance for Credit Losses |  |  |  |  |
Year 1 | 931,374 | 916,306 | 931,374 | 916,306 | 1,066,321
Year 2 | 769,173 | 806,658 | 769,173 | 806,658 | 729,339
Year 3 | 507,694 | 424,425 | 507,694 | 424,425 | 376,474
Year 4 | 241,713 | 175,218 | 241,713 | 175,218 | 151,004
Year 5 | 84,111 | 87,737 | 84,111 | 87,737 | 70,627
More than 5 years | 39,590 | 37,875 | 39,590 | 37,875 | 27,013
Total | 2,573,655 | 2,448,219 | 2,573,655 | 2,448,219 | 2,420,778
Retail | Super prime | Canada |  |  |  |  |
Financing Receivable, Allowance for Credit Losses |  |  |  |  |
Year 1 | 35,280 | 43,643 | 35,280 | 43,643 | 48,705
Year 2 | 34,382 | 34,700 | 34,382 | 34,700 | 31,733
Year 3 | 21,186 | 19,796 | 21,186 | 19,796 | 17,744
Year 4 | 10,573 | 10,707 | 10,573 | 10,707 | 9,241
Year 5 | 4,410 | 5,929 | 4,410 | 5,929 | 4,521
More than 5 years | 1,702 | 2,245 | 1,702 | 2,245 | 1,524
Total | 107,533 | 117,020 | 107,533 | 117,020 | 113,468
Retail | Prime | United States |  |  |  |  |
Financing Receivable, Allowance for Credit Losses |  |  |  |  |
Year 1 | 927,821 | 1,033,222 | 927,821 | 1,033,222 | 1,173,463
Year 2 | 901,954 | 1,086,081 | 901,954 | 1,086,081 | 993,417
Year 3 | 730,870 | 645,931 | 730,870 | 645,931 | 584,305
Year 4 | 410,721 | 293,977 | 410,721 | 293,977 | 259,995
Year 5 | 166,169 | 163,603 | 166,169 | 163,603 | 139,011
More than 5 years | 106,766 | 102,427 | 106,766 | 102,427 | 78,880
Total | 3,244,301 | 3,325,241 | 3,244,301 | 3,325,241 | 3,229,071
Retail | Prime | Canada |  |  |  |  |
Financing Receivable, Allowance for Credit Losses |  |  |  |  |
Year 1 | 9,200 | 13,007 | 9,200 | 13,007 | 13,764
Year 2 | 10,340 | 12,307 | 10,340 | 12,307 | 11,434
Year 3 | 8,054 | 7,968 | 8,054 | 7,968 | 7,336
Year 4 | 4,812 | 4,890 | 4,812 | 4,890 | 4,390
Year 5 | 2,782 | 3,135 | 2,782 | 3,135 | 2,728
More than 5 years | 2,124 | 2,362 | 2,124 | 2,362 | 1,838
Total | 37,312 | 43,669 | 37,312 | 43,669 | 41,490
Retail | Sub-prime | United States |  |  |  |  |
Financing Receivable, Allowance for Credit Losses |  |  |  |  |
Year 1 | 281,501 | 296,583 | 281,501 | 296,583 | 333,099
Year 2 | 249,447 | 307,280 | 249,447 | 307,280 | 275,964
Year 3 | 200,838 | 211,626 | 200,838 | 211,626 | 189,688
Year 4 | 134,880 | 114,298 | 134,880 | 114,298 | 101,437
Year 5 | 67,592 | 72,587 | 67,592 | 72,587 | 63,393
More than 5 years | 59,151 | 55,700 | 59,151 | 55,700 | 44,568
Total | 993,409 | 1,058,074 | 993,409 | 1,058,074 | 1,008,149
Retail | Sub-prime | Canada |  |  |  |  |
Financing Receivable, Allowance for Credit Losses |  |  |  |  |
Year 1 | 1,731 | 1,839 | 1,731 | 1,839 | 1,846
Year 2 | 1,457 | 1,671 | 1,457 | 1,671 | 1,546
Year 3 | 1,132 | 852 | 1,132 | 852 | 739
Year 4 | 490 | 871 | 490 | 871 | 817
Year 5 | 564 | 575 | 564 | 575 | 525
More than 5 years | 391 | 366 | 391 | 366 | 270
Total | $ 5,765 | $ 6,174 | $ 5,765 | $ 6,174 | $ 5,743

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