Condensed Consolidated Statement of Comprehensive Income (unaudited) - USD ($) shares in Thousands, $ in Millions		3 Months Ended		6 Months Ended
		Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing revenue and other interest income
Interest and fees on finance receivables and loans		$ 2,845	$ 2,721	$ 5,672	$ 5,296
Interest on loans held-for-sale		7	7	43	22
Interest and dividends on investment securities and other earning assets		265	247	531	485
Interest on cash and cash equivalents		88	87	185	143
Operating leases		333	392	689	794
Total financing revenue and other interest income		3,538	3,454	7,120	6,740
Interest expense
Interest on deposits		1,594	1,418	3,245	2,635
Interest on short-term borrowings		27	11	50	23
Interest on long-term debt		244	252	492	479
Interest on other		1	0	1	2
Total interest expense		1,866	1,681	3,788	3,139
Net depreciation expense on operating lease assets		177	200	381	426
Net financing revenue and other interest income		1,495	1,573	2,951	3,175
Other revenue
Insurance premiums and service revenue earned		341	310	686	616
Gain on mortgage and automotive loans, net		6	5	12	9
Other (loss) gain on investments, net		(7)	26	22	100
Other income, net of losses		165	165	315	279
Total other revenue		505	506	1,035	1,004
Total net revenue		2,000	2,079	3,986	4,179
Provision for credit losses		457	427	964	873
Noninterest expense
Compensation and benefits expense		442	448	961	985
Insurance losses and loss adjustment expenses		181	134	293	222
Other operating expenses		663	667	1,340	1,308
Total noninterest expense		1,286	1,249	2,594	2,515
Income from continuing operations before income tax (benefit) expense		257	403	428	791
Income tax (benefit) expense from continuing operations		(37)	74	(23)	142
Net income from continuing operations		294	329	451	649
Loss from discontinued operations, net of tax		0	0	0	(1)
Net income		294	329	451	648
Other comprehensive (loss) income, net of tax		(20)	(87)	(193)	196
Comprehensive income		274	242	258	844
Net income from continuing operations attributable to common stockholders	[1]	266	301	395	593
Loss from discontinued operations, net of tax	[1]	0	0	0	(1)
Net income attributable to common stockholders	[1]	$ 266	$ 301	$ 395	$ 592
Basic weighted-average common shares outstanding (in shares)	[1],[2]	306,774	303,684	306,388	303,173
Diluted weighted-average common shares outstanding (in shares)	[1],[2]	309,886	304,646	309,154	304,050
Basic earnings per common share
Net income from continuing operations (in dollars per share)	[1]	$ 0.87	$ 0.99	$ 1.29	$ 1.96
Net income (in dollars per share)	[1]	0.87	0.99	1.29	1.95
Diluted earnings per common share
Net income from continuing operations (in dollars per share)	[1]	0.86	0.99	1.28	1.95
Net income (in dollars per share)	[1]	0.86	0.99	1.28	1.95
Cash dividends declared per common share (in dollars per share)	[1]	$ 0.30	$ 0.30	$ 0.60	$ 0.60

[1] Figures in the table may not recalculate exactly due to rounding. Earnings per share is calculated based on unrounded numbers.

[2] Includes shares related to share-based compensation that vested but were not yet issued.