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CONSUMER RECEIVABLES, NET (Tables) | 9 Months Ended
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Sep. 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):
| September 30, 2024 |  | December 31, 2023 |  |
Non-delinquent loans | $ | 1,799,902 |  |  | $ | 2,074,532 |  |  |
1 - 60 days past due | 356,478 |  |  | 453,412 |  |  |
61 - 90 days past due | 29,305 |  |  | 26,798 |  |  |
90+ days past due | 73,826 |  |  | 75,227 |  |  |
Total amortized cost | $ | 2,259,511 |  |  | $ | 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 September 30, |  | Nine Months Ended September 30,
| 2024 |  | 2023 |  | 2024 |  | 2023
Allowance for credit losses, beginning of the period | $ | 176,511 |  |  | $ | 153,772 |  |  | $ | 185,275 |  |  | $ | 151,290 |
Provision for credit losses | 69,970 |  |  | 60,365 |  |  | 194,117 |  |  | 172,549 |
Charge-offs and other adjustments | (82,058) |  |  | (63,143) |  |  | (214,766) |  |  | (172,982) |
Foreign exchange effect | 4,204 |  |  | (680) |  |  | 4,001 |  |  | (543) |
Allowance for credit losses, end of the period | $ | 168,627 |  |  | $ | 150,314 |  |  | $ | 168,627 |  |  | $ | 150,314 |

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