Summary of Significant Accounting Policies - Additional Information (Details) $ in Thousands		1 Months Ended	3 Months Ended		6 Months Ended		12 Months Ended
	Jul. 12, 2024 USD ($)	Oct. 31, 2024 USD ($)	Oct. 31, 2025 USD ($) subsidiary	Oct. 31, 2024 USD ($)	Oct. 31, 2025 USD ($) segment dealership subsidiary shares	Oct. 31, 2024 USD ($)	Apr. 30, 2025 USD ($)	Jul. 31, 2025
Number of reportable segments | segment					1
Repayment of warehouse loan facility					$ 521,690	$ 389,551
Average finance receivable interest rate (in percent)					17.60%
Accrued interest on finance receivables			$ 7,522		$ 7,522		$ 7,432
Finance receivables, customer payments due either weekly or bi-weekly (in percent)					78.00%
Financing receivable, greater than or equal to 30 days past due (in percent)			3.10%		3.10%		3.40%
Financing receivables (in percent)			13.20%	13.60%	20.00%	21.10%
Allowance for credit losses, primary factor units repossessed or charged off evaluation (in days)					73 days		70 days
Financing receivable, weighted average contract term (in months)			48 months 15 days
Financing receivable, remaining contract term (in months)			35 months 24 days
Financing receivables, allowance for credit losses and other losses					$ 338,800
Financing receivable, allowance for credit loss to outstanding (in percent)			24.19%		24.19%			23.35%
Total		$ 1,473,794	$ 1,515,413	$ 1,473,794	$ 1,515,413	$ 1,473,794	$ 1,509,155
Goodwill			23,700		23,700		22,800
Impairment of long-lived assets					$ 1,900	$ 0
Number of dealerships closed | dealership					5
Impairment of fixed assets					$ 1,300
Impairment of right-of-use assets					$ 600
Effective income tax rate					19.10%	30.30%
Decreased tax benefit, share-based compensation					$ 961	$ 0
Income tax examination, penalties and interest accrued			0		0		0
Financing receivable, recorded investment greater than 90 days past due			6,500		6,500		$ 6,300
Late fee income generated by servicing financial assets, amount			1,500	1,300	$ 2,900	$ 2,500
Late Fee Income, Servicing Financial Asset, Statement of Income or Comprehensive Income [Extensible Enumeration]					Interest and other income	Interest and other income
Revenue recognized					$ 22,500
Treasury stock shares to establish reserve account to secure service contracts (in shares) | shares					10,000
Installment Sale
Financing receivables (in percent)					1.20%		1.10%
ACM Insurance Company
Treasury stock, shares to establish reserve account to meet regulatory requirements for insurance company (in shares) | shares					14,000
Capitalized Computing Implementation Service Contract
Capitalized contract cost			20,700		$ 20,700		$ 19,900
Capitalized contract cost, amortization			795,901	$ 1,100
Minimum
Fixed interest rate (in percent)					12.99%
Maximum
Fixed interest rate (in percent)					23.00%
Warehouse Facility
Proceeds from Notes Payable	$ 150,000
Repayment of warehouse loan facility		$ 150,000
Revenue Benchmark | Customer Concentration Risk | ARKANSAS
Concentration risk (in percent)					27.00%
Deferred accident protection plan revenue
Deferred revenue			50,300		$ 50,300
Accident Protection Plan Claims
Contract with customer, refund liability			5,300		5,300
Deferred service contract revenue
Deferred revenue			$ 59,255		$ 59,255		$ 61,787
Contract with customer liability recognition period (in months)			9 months		9 months
Contract with customer liability revenue recognition miles | subsidiary			12,000		12,000