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CONSUMER RECEIVABLES, NET (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Schedule of 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, 2025 |  | December 31, 2024 |  |
Non-delinquent loans | $ | 1,839,027 |  |  | $ | 2,227,348 |  |  |
1 - 60 days past due | 315,598 |  |  | 369,173 |  |  |
61 - 90 days past due | 34,351 |  |  | 29,334 |  |  |
90+ days past due | 97,122 |  |  | 80,817 |  |  |
Total amortized cost | $ | 2,286,098 |  |  | $ | 2,706,672 |  |  |
Schedule of Activity in Allowance for Credit Losses for Consumer Receivables | The following table summarizes activity in the allowance for credit losses for consumer receivables (in thousands):
| Three Months Ended September 30, |  | Nine Months Ended September 30, |  |
| 2025 |  | 2024 |  | 2025 |  | 2024 |  |  |  |
Allowance for credit losses, beginning of the period | $ | 211,981 |  |  | $ | 176,511 |  |  | $ | 201,793 |  |  | $ | 185,275 |  |  |  |  |
Provision for credit losses | 82,671 |  |  | 69,970 |  |  | 226,420 |  |  | 194,117 |  |  |  |  |
Charge-offs and other adjustments | (83,346) |  |  | (82,058) |  |  | (224,322) |  |  | (214,766) |  |  |  |  |
Foreign exchange effect | (1,334) |  |  | 4,204 |  |  | 6,081 |  |  | 4,001 |  |  |  |  |
Allowance for credit losses, end of the period | $ | 209,972 |  |  | $ | 168,627 |  |  | $ | 209,972 |  |  | $ | 168,627 |  |  |  |  |

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