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CONSUMER RECEIVABLES, NET (Tables) | 6 Months Ended
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Jun. 30, 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):
| June 30, 2024 |  | December 31, 2023 |  |
Non-delinquent loans | $ | 1,676,886 |  |  | $ | 2,074,532 |  |  |
1 - 60 days past due | 394,256 |  |  | 453,412 |  |  |
61 - 90 days past due | 24,948 |  |  | 26,798 |  |  |
90+ days past due | 96,361 |  |  | 75,227 |  |  |
Total amortized cost | $ | 2,192,451 |  |  | $ | 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 June 30, |  | Six Months Ended June 30,
| 2024 |  | 2023 |  | 2024 |  | 2023
Allowance for credit losses, beginning of the period | $ | 181,947 |  |  | $ | 141,535 |  |  | $ | 185,275 |  |  | $ | 151,290 |
Provision for credit losses | 63,361 |  |  | 69,053 |  |  | 124,340 |  |  | 112,184 |
Charge-offs and other adjustments | (70,675) |  |  | (57,338) |  |  | (132,814) |  |  | (109,761) |
Foreign exchange effect | 1,878 |  |  | 522 |  |  | (290) |  |  | 59 |
Allowance for credit losses, end of the period | $ | 176,511 |  |  | $ | 153,772 |  |  | $ | 176,511 |  |  | $ | 153,772 |

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