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CONSUMER RECEIVABLES, NET (Tables) | 3 Months Ended
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Mar. 31, 2025
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, 2025 |  | December 31, 2024 |  |
Non-delinquent loans | $ | 1,773,973 |  |  | $ | 2,227,348 |  |  |
1 - 60 days past due | 344,595 |  |  | 369,173 |  |  |
61 - 90 days past due | 53,614 |  |  | 29,334 |  |  |
90+ days past due | 90,038 |  |  | 80,817 |  |  |
Total amortized cost | $ | 2,262,220 |  |  | $ | 2,706,672 |  |  |
Activity in Allowance for Credit Losses | The following table summarizes activity in the allowance for credit losses (in thousands):
| Three Months Ended March 31, |  |
| 2025 |  | 2024 |  |  |  |
Allowance for credit losses, beginning of the period | $ | 201,793 |  |  | $ | 185,275 |  |  |  |  |
Provision for credit losses | 55,650 |  |  | 60,979 |  |  |  |  |
Charge-offs and other adjustments | (65,786) |  |  | (62,133) |  |  |  |  |
Foreign exchange effect | 1,763 |  |  | (2,174) |  |  |  |  |
Allowance for credit losses, end of the period | $ | 193,420 |  |  | $ | 181,947 |  |  |  |  |

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