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CONSUMER RECEIVABLES, NET (Tables)
 3 Months Ended
Mar. 31, 2024
Receivables [Abstract]  
Aging Analysis of Consumer Receivables held for Investment
The following table presents an aging analysis of the amortized cost of consumer receivables by delinquency status (in thousands):
  March 31, 2024December 31, 2023
Non-delinquent loans$1,555,673 $2,074,532 
1 - 60 days past due408,257 453,412 
61 - 90 days past due50,133 26,798 
90+ days past due82,162 75,227 
Total amortized cost$2,096,225 $2,629,969 
Activity in Allowance for Credit Losses
The following table summarizes activity in the allowance for credit losses (in thousands):
Three Months Ended
March 31,
20242023
Allowance for credit losses, beginning of the period$185,275 $151,290 
Provision for credit losses60,979 43,131 
Charge-offs and other adjustments(62,133)(52,401)
Foreign exchange effect (2,174)(486)
Allowance for credit losses, end of the period$181,947 $141,534