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CONSUMER RECEIVABLES, NET (Tables)
 6 Months Ended
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, 2024December 31, 2023
Non-delinquent loans$1,676,886 $2,074,532 
1 - 60 days past due394,256 453,412 
61 - 90 days past due24,948 26,798 
90+ days past due96,361 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,
2024202320242023
Allowance for credit losses, beginning of the period$181,947 $141,535 $185,275 $151,290 
Provision for credit losses63,361 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