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CONSUMER RECEIVABLES, NET (Tables) | 12 Months Ended
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Dec. 31, 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):
| December 31, 2025 |  | December 31, 2024 |  |
Non-delinquent loans | $ | 2,416,017 |  |  | $ | 2,227,348 |  |  |
1 - 60 days past due | 363,165 |  |  | 369,173 |  |  |
61 - 90 days past due | 29,984 |  |  | 29,334 |  |  |
90+ days past due | 101,021 |  |  | 80,817 |  |  |
Total amortized cost | $ | 2,910,187 |  |  | $ | 2,706,672 |  |  |
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 |  |  |

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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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