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CONSUMER RECEIVABLES, NET (Tables)
 9 Months Ended
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, 2024December 31, 2023
Non-delinquent loans$1,799,902 $2,074,532 
1 - 60 days past due356,478 453,412 
61 - 90 days past due29,305 26,798 
90+ days past due73,826 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,
2024202320242023
Allowance for credit losses, beginning of the period$176,511 $153,772 $185,275 $151,290 
Provision for credit losses69,970 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