Notes Receivable and Allowances for Credit Losses (Details) - USD ($) $ in Millions |
3 Months Ended | ||
|---|---|---|---|
Oct. 31, 2024 |
Oct. 31, 2023 |
Jul. 31, 2024 |
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] | |||
| Loans purchased from originating bank partner, principal balance | $ 650 | $ 279 | |
| Commitment to purchase, amount originated before period end | $ 22 | ||
| Period of suspended accrued interest past due | 120 days | ||
| Period past due considered delinquent | 1 day | ||
| Minimum commitment to sell participation interest in unsecured term loans, cumulatively | $ 350 | ||
| Notes receivable, remaining amount held for sale | 248 | ||
| Notes receivable held for sale | 10 | $ 3 | |
| Loans sold | 106 | $ 35 | |
| Minimum | |||
| Accounts, Notes, Loans and Financing Receivable [Line Items] | |||
| Minimum commitment to sell participation interest in unsecured term loans, monthly | $ 8 | ||
| Term of commitment | 4 years | ||
| Small Business Loan | |||
| Accounts, Notes, Loans and Financing Receivable [Line Items] | |||
| Notes receivable, net | $ 1,000 | $ 912 | |