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Fair Value - Schedule of Fair Value and Carrying Value of Company Financial Instruments (Details) - USD ($)
$ in Thousands
9 Months Ended
Sep. 30, 2025
Dec. 31, 2024
Sep. 30, 2024
Assets:      
Finance receivables held for sale, net $ 4,080,885 $ 0 $ 0
Finance receivables held for investment, net 1,883,549 7,288,294 7,800,387
Estimated recovery 59,100    
Fair Value      
Assets:      
Finance receivables held for sale, net 4,090,641 0 0
Finance receivables held for investment, net 1,841,091 7,342,319 7,865,082
Liabilities:      
Deposits, net 555,311 555,902 551,806
Fair Value | Medium-term notes      
Debt:      
Long-term debt, fair value 3,308,179 3,127,710 3,882,407
Fair Value | Term loans      
Debt:      
Long-term debt, fair value 448,261 0 0
Fair Value | Senior notes      
Debt:      
Long-term debt, fair value 241,899 683,624 703,108
Fair Value | Asset-backed U.S. commercial paper conduit facility | Secured debt:      
Debt:      
Long-term debt, fair value 399,502 431,846 378,968
Fair Value | Asset-backed Canadian commercial paper conduit facility | Secured debt:      
Debt:      
Long-term debt, fair value 49,642 77,381 94,142
Fair Value | Asset-backed securitization debt | Secured debt:      
Debt:      
Long-term debt, fair value 63,107 1,955,006 2,258,289
Fair Value | Unsecured commercial paper      
Debt:      
Short-term debt, fair value 684,741 640,204 497,373
Carrying Value      
Assets:      
Finance receivables held for sale, net 4,080,885 0 0
Finance receivables held for investment, net 1,824,360 7,288,294 7,800,387
Liabilities:      
Deposits, net 554,468 550,586 549,010
Carrying Value | Medium-term notes      
Debt:      
Long-term debt, fair value 3,219,793 3,114,013 3,836,572
Carrying Value | Term loans      
Debt:      
Long-term debt, fair value 448,261 0 0
Carrying Value | Senior notes      
Debt:      
Long-term debt, fair value 297,247 746,800 746,618
Carrying Value | Asset-backed U.S. commercial paper conduit facility | Secured debt:      
Debt:      
Long-term debt, fair value 399,502 431,846 378,968
Carrying Value | Asset-backed Canadian commercial paper conduit facility | Secured debt:      
Debt:      
Long-term debt, fair value 49,642 77,381 94,142
Carrying Value | Asset-backed securitization debt | Secured debt:      
Debt:      
Long-term debt, fair value 62,635 1,950,138 2,244,742
Carrying Value | Unsecured commercial paper      
Debt:      
Short-term debt, fair value $ 684,741 $ 640,204 $ 497,373