CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Revenue
Finance charge income	$ 2,025	$ 1,786
Leased vehicle income	1,902	1,800
Other income	236	225
Total revenue	4,164	3,811
Costs and expenses
Operating expenses	513	458
Leased vehicle expenses	1,054	1,047
Provision for loan losses (Note 3)	328	204
Interest expense	1,597	1,396
Total costs and expenses	3,491	3,106
Equity income (loss) (Note 5)	12	32
Income (loss) before income taxes	685	737
Income tax expense (benefit) (Note 11)	186	200
Net income (loss)	499	536
Less: cumulative dividends on preferred stock	30	30
Net income (loss) attributable to common shareholder	$ 470	$ 507