Condensed Consolidated Statements of Cash Flows - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
Cash Flows from Operating Activities:
Net loss	$ (105)	$ (308)
Adjustments to reconcile net loss to net cash used in operating activities:
Depreciation and amortization expense	72	52
Loss on disposal of property and equipment	1	6
Provision for bad debt and valuation allowance	16	11
Gain on loan sales	(528)	(129)
Equity-based compensation expense	28	18
Amortization and write-off of debt issuance costs and bond premium	8	6
Originations of finance receivables	(5,315)	(2,493)
Proceeds from sale of finance receivables, net	5,375	2,479
Principal payments received on finance receivables held for sale	136	60
Unrealized gain on beneficial interests in securitization	(6)	(4)
Changes in assets and liabilities:
Accounts receivable	(111)	(46)
Vehicle inventory	(1,230)	(198)
Other assets	(86)	(18)
Accounts payable and accrued liabilities	319	112
Operating lease right-of-use assets	(117)	(18)
Operating lease liabilities	121	23
Net cash used in operating activities	(1,422)	(447)
Cash Flows from Investing Activities:
Purchases of property and equipment, including $0 and $22, respectively, from related parties	(390)	(270)
Principal payments received on beneficial interests in securitizations	38	9
Net cash used in investing activities	(352)	(261)
Cash Flows from Financing Activities:
Proceeds from short-term revolving facilities	8,733	3,426
Payments on short-term revolving facilities	(8,318)	(3,868)
Proceeds from issuance of long-term debt	1,525	203
Payments on long-term debt	(46)	(18)
Payments of debt issuance costs	(21)	(12)
Net proceeds from issuance of Class A common stock	0	1,059
Proceeds from equity-based compensation plans	1	5
Tax withholdings related to restricted stock awards	(25)	(9)
Net cash provided by financing activities	1,849	786
Net increase in cash, cash equivalents and restricted cash	75	78
Cash, cash equivalents and restricted cash at beginning of period	329	118
Cash, cash equivalents and restricted cash at end of period	$ 404	$ 196