Consolidated Statement of Income - USD ($) shares in Thousands, $ in Millions		12 Months Ended
		Dec. 31, 2024		Dec. 31, 2023	Dec. 31, 2022
Financing revenue and other interest income
Interest and fees on finance receivables and loans		$ 11,394		$ 11,020	$ 8,099
Interest on loans held-for-sale		50		34	31
Interest and dividends on investment securities and other earning assets		1,037		1,022	841
Interest on cash and cash equivalents		386		332	54
Operating leases		1,355		1,550	1,596
Total financing revenue and other interest income		14,222		13,958	10,621
Interest expense
Interest on deposits		6,388		5,819	1,987
Interest on short-term borrowings		66		73	107
Interest on long-term debt		1,017		1,001	763
Interest on other		1		4	0
Total interest expense		7,472		6,897	2,857
Net depreciation expense on operating lease assets		736		840	914
Net financing revenue and other interest income		6,014		6,221	6,850
Other revenue
Insurance premiums and service revenue earned		1,413		1,271	1,151
Gain on mortgage and automotive loans, net		24		16	52
Other gain (loss) on investments, net		72		144	(120)
Other income, net of losses		658		582	495
Total other revenue		2,167		2,013	1,578
Total net revenue		8,181		8,234	8,428
Provision for credit losses		2,166		1,968	1,399
Noninterest expense
Compensation and benefits expense		1,842		1,901	1,900
Insurance losses and loss adjustment expenses		544		422	280
Goodwill impairment		118		149	0
Other operating expenses		2,675		2,691	2,507
Total noninterest expense		5,179		5,163	4,687
Income (loss) from continuing operations before income tax expense		836		1,103	2,342
Income tax expense from continuing operations		167		144	627
Net income from continuing operations		669		959	1,715	[1]
Loss from discontinued operations, net of tax		(1)		(2)	(1)
Net income		668		957	1,714
Net income from continuing operations attributable to common shareholders	[1]	559		849	1,605
Loss from discontinued operations, net of tax	[1]	(1)		(2)	(1)
Net income attributable to common shareholders	[1]	$ 558		$ 847	$ 1,604
Basic weighted-average common shares outstanding (in shares)	[1],[2]	306,913		303,751	316,690
Diluted weighted-average common shares outstanding (in shares)	[1],[2]	310,160		305,135	318,629
Basic earnings per common share
Net income from continuing operations (in dollars per share)	[1]	$ 1.82		$ 2.79	$ 5.07
Loss from discontinued operations, net of tax (in dollars per share)	[1]	0		(0.01)	0
Net income (in dollars per share)	[1]	1.82		2.79	5.06
Diluted earnings per common share
Net income from continuing operations (in dollars per share)	[1]	1.80		2.78	5.04
Loss from discontinued operations, net of tax (in dollars per share)	[1]	0		(0.01)	0
Net income (in dollars per share)	[1]	1.80		2.77	5.03
Cash dividends declared per common share (in dollars per share)	[1]	$ 1.20		$ 1.20	$ 1.20
Preferred stock dividends — Series B
Noninterest expense
Preferred stock dividends		$ 63	[1]	$ 63	$ 63	[1]
Preferred stock dividends — Series C
Noninterest expense
Preferred stock dividends		$ 47	[1]	$ 47	$ 47	[1]

[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.