XML 39 R26.htm IDEA: XBRL DOCUMENT v3.25.3

LOANS RECEIVABLE, NET (Tables)

9 Months Ended

Sep. 30, 2025

Receivables [Abstract]

Schedule Of Loans Receivable, Net

The Company classifies loans receivable as “Merchant,” “Consumer,” “Credit cards” and “Asset-backed.” As of September 30, 2025 and December 31, 2024, the components of current and non-current Loans receivable, net were as follows:

			September 30, 2025
			Loans receivable						Allowance for doubtful accounts						Loans receivable, net
			(In millions)
Merchant			$	1,877					$	(668)					$	1,209
Consumer			4,088						(1,114)						2,974
Credit cards			4,803						(1,032)						3,771
Asset-backed			254						(16)						238
Total			$	11,022					$	(2,830)					$	8,192

			December 31, 2024
			Loans receivable						Allowance for doubtful accounts						Loans receivable, net
			(In millions)
Merchant			$	1,205					$	(417)					$	788
Consumer			2,591						(696)						1,895
Credit cards			2,639						(557)						2,082
Asset-backed			138						(8)						130
Total			$	6,573					$	(1,678)					$	4,895

Schedule of Accounts Receivable, Net

The following tables summarize the allowance for doubtful accounts activity during the nine-month periods ended September 30, 2025 and 2024:

			September 30, 2025
			Merchant						Consumer						Credit cards						Asset-backed						Total
			(In millions)
Balance at beginning of year			$	417					$	696					$	557					$	8					$	1,678
Net charged to Net Income			502						847						733						10						2,092
Currency translation adjustments			64						88						111						2						265
Write-offs (1)			(315)						(517)						(369)						(4)						(1,205)
Balance at end of period			$	668					$	1,114					$	1,032					$	16					$	2,830

			September 30, 2024
			Merchant						Consumer						Credit cards						Asset-backed						Total
			(In millions)
Balance at beginning of year			$	256					$	591					$	236					$	1					$	1,084
Net charged to Net Income			328						569						406						6						1,309
Currency translation adjustments			(20)						(37)						(39)						—						(96)
Write-offs (1)			(171)						(398)						(116)						—						(685)
Balance at end of period			$	393					$	725					$	487					$	7					$	1,612

(1) The Company writes off loans when customer balance becomes 360 days past due.

Schedule of Credit Quality Analysis of Loans Receivables

The amortized cost of the loans receivable classified by the Company’s credit quality internal indicator was as follows:

			September 30, 2025						December 31, 2024
			(In millions)
1-14 days past due			$	319					$	125
15-30 days past due			217						146
31-60 days past due			281						175
61-90 days past due			254						167
91-120 days past due			259						178
121-150 days past due			227						155
151-180 days past due			236						138
181-210 days past due			222						129
211-240 days past due			238						118
241-270 days past due			211						121
271-300 days past due			183						109
301-330 days past due			191						112
331-360 days past due			168						90
Total past due			3,006						1,763
To become due			8,016						4,810
Total			$	11,022					$	6,573

X

- Definition

Schedule Of Loans Receivable, Net [Table Text Block]

+ References

No definition available.

+ Details

Name:	meli_ScheduleOfLoansReceivableNetTableTextBlock
Namespace Prefix:	meli_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of allowance for credit loss on accounts receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

+ Details

Name:	us-gaap_AccountsReceivableAllowanceForCreditLossTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-5

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_ReceivablesAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration