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CONSUMER RECEIVABLES, NET (Tables)
 3 Months Ended
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, 2025December 31, 2024
Non-delinquent loans$1,773,973 $2,227,348 
1 - 60 days past due344,595 369,173 
61 - 90 days past due53,614 29,334 
90+ days past due90,038 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,
20252024
Allowance for credit losses, beginning of the period$201,793 $185,275 
Provision for credit losses55,650 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