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CUSTOMER LOANS (Tables) | 12 Months Ended
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Dec. 31, 2025
Receivables [Abstract] |
Schedule Of Loans Held For Investment | The following table presents the Company's loans held for investment by category (in thousands):
| Year Ended December 31, 2025
| Consumer |  | Commercial |  | Other |  | Total
Amortized cost basis | $ | 3,182,624 |  |  | $ | 481,757 |  |  | $ | 101,437 |  |  | $ | 3,765,818 |
Allowance for credit losses | (340,117) |  |  | (33,602) |  |  | (9,142) |  |  | (382,861) |
Total loans held for investment, net of allowance | $ | 2,842,507 |  |  | $ | 448,155 |  |  | $ | 92,295 |  |  | $ | 3,382,957 |
Schedule of Activity in Allowance for Credit Losses for Consumer Receivables | The following table summarizes activity in the consumer receivable allowance for credit losses (in thousands):
| Year Ended December 31,
| 2025 |  | 2024 |  |
Allowance for credit losses, beginning of the period | $ | 201,793 |  |  | $ | 185,275 |  |  |
Provision for credit losses | 333,845 |  |  | 293,921 |  |  |
Charge-offs and other adjustments | (302,626) |  |  | (271,727) |  |  |
Foreign exchange effect | 6,853 |  |  | (5,676) |  |  |
Allowance for credit losses, end of the period | $ | 239,865 |  |  | $ | 201,793 |  |  |
The following table presents the Company's loans held for investment allowance for credit losses by category (in thousands):
| Year Ended December 31, 2025 |
| Consumer |  | Commercial |  | Other |  | Total |  |
Beginning balance of the allowance for credit losses | $ | — |  |  | $ | 23,143 |  |  | $ | — |  |  | $ | 23,143 |  |  |
Current period provisions for expected credit losses | 515,326 |  |  | 36,580 |  |  | 9,446 |  |  | 561,352 |  |  |
Write-offs charged against the allowance | (182,497) |  |  | (33,625) |  |  | (333) |  |  | (216,455) |  |  |
Recoveries of amounts previously written off | 7,288 |  |  | 7,504 |  |  | 29 |  |  | 14,821 |  |  |
Ending balance of the allowance for credit losses | $ | 340,117 |  |  | $ | 33,602 |  |  | $ | 9,142 |  |  | $ | 382,861 |  |  |
Schedule of Loans Held for Sale by Category | The following table presents the Company’s loans held for sale by category (in thousands):
| December 31, 2025 |  | December 31, 2024
Commercial | $ | 708,512 |  |  | $ | 404,844 |
Consumer | 40,735 |  |  | 652,489 |
Other | 33,719 |  |  | 53,774 |
Total | $ | 782,966 |  |  | $ | 1,111,107 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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