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CONSUMER RECEIVABLES, NET (Tables)
 12 Months Ended
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, 2025December 31, 2024
Non-delinquent loans$2,416,017 $2,227,348 
1 - 60 days past due363,165 369,173 
61 - 90 days past due29,984 29,334 
90+ days past due101,021 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,
20252024
Allowance for credit losses, beginning of the period
$201,793 $185,275 
Provision for credit losses333,845 293,921 
Charge-offs and other adjustments(302,626)(271,727)
Foreign exchange effect6,853 (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
ConsumerCommercialOtherTotal
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