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Finance Receivables, Net (Tables) | 3 Months Ended
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Mar. 31, 2025
Receivables [Abstract] |
Schedule of Finance Receivables, Net | Finance receivables, net, which include retail installment sales agreements and bank-originated loans, consist of the following (in thousands):
| As of March 31, |  | As of December 31,
| 2025 |  | 2024 |  | 2024
Finance receivables, gross | $ | 296,999 |  |  | $ | 222,087 |  |  | $ | 294,166 |
Merchant partner discounts and premiums, net | (27,355) |  |  | (15,221) |  |  | (22,833) |
Unearned origination fees | (6,223) |  |  | (5,193) |  |  | (6,827) |
Finance receivables, amortized cost | 263,421 |  |  | 201,673 |  |  | 264,506 |
Less allowance for loan losses | (118,342) |  |  | (96,020) |  |  | (117,005) |
Finance receivables, net | $ | 145,079 |  |  | $ | 105,653 |  |  | $ | 147,501 |
Schedule of Allowance for Credit Losses | The following table details the changes in the allowance for loan losses (in thousands):
| Three Months Ended |  |
| March 31, |  |
| 2025 |  | 2024 |  |  |  |
Balance at beginning of period | $ | 117,005 |  |  | $ | 96,454 |  |  |  |  |
Provision for loan losses | 36,360 |  |  | 30,418 |  |  |  |  |
Charge-offs | (38,419) |  |  | (33,279) |  |  |  |  |
Recoveries | 3,396 |  |  | 2,427 |  |  |  |  |
Balance at end of period | $ | 118,342 |  |  | $ | 96,020 |  |  |  |  |
Schedule of Finance Receivables Credit Quality Indicators | The following is an assessment of the credit quality indicators of the amortized cost of finance receivables as of March 31, 2025 and 2024, by origination year (in thousands):
| Origination Year |  |
| 2025 |  | 2024 |  | 2023 |  | Total
As of March 31, 2025 |  |  |  |  |  |  |
Delinquency: |  |  |  |  |  |  |
1 to 30 days past due | $ | 8,682 |  |  | $ | 14,504 |  |  | $ | 1,271 |  |  | $ | 24,457 |
31 to 60 days past due | 3,350 |  |  | 11,189 |  |  | 845 |  |  | 15,384 |
61 to 89 days past due (1) | 735 |  |  | 10,288 |  |  | 742 |  |  | 11,765 |
Total past due finance receivables | 12,767 |  |  | 35,981 |  |  | 2,858 |  |  | 51,606 |
Current finance receivables | 88,669 |  |  | 114,138 |  |  | 9,008 |  |  | 211,815 |
Finance receivables, amortized cost | $ | 101,436 |  |  | $ | 150,119 |  |  | $ | 11,866 |  |  | $ | 263,421 |
| Origination Year |  |
| 2024 |  | 2023 |  | 2022 |  | Total
As of March 31, 2024 |  |  |  |  |  |  |
Delinquency: |  |  |  |  |  |  |
1 to 30 days past due | $ | 6,215 |  |  | $ | 12,594 |  |  | $ | 1,304 |  |  | $ | 20,113 |
31 to 60 days past due | 1,950 |  |  | 7,526 |  |  | 704 |  |  | 10,180 |
61 to 89 days past due (1) | 453 |  |  | 7,584 |  |  | 697 |  |  | 8,734 |
Total past due finance receivables | 8,618 |  |  | 27,704 |  |  | 2,705 |  |  | 39,027 |
Current finance receivables | 66,804 |  |  | 87,360 |  |  | 8,482 |  |  | 162,646 |
Finance receivables, amortized cost | $ | 75,422 |  |  | $ | 115,064 |  |  | $ | 11,187 |  |  | $ | 201,673 |
(1)The Company charges off finance receivables when a receivable is 90 days or more contractually past due.
Finance Receivable, Charge-offs to allowance for credit losses | The following table details the gross charge-offs of finance receivables for the three months ended March 31, 2025 and 2024, by origination year (in thousands):
| Origination Year |  |
| 2025 |  | 2024 |  | 2023 |  | 2022 |  | Total
Finance receivables gross charge-offs: |  |  |  |  |  |  |  |  |
Gross charge-offs during the three months ended March 31, 2025 | $ | 123 |  |  | $ | 34,410 |  |  | $ | 3,886 |  |  | $ | — |  |  | $ | 38,419 |
Gross charge-offs during the three months ended March 31, 2024 | — |  |  | 131 |  |  | 29,270 |  |  | 3,878 |  |  | 33,279 |

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 29 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-29 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
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