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Segment Reporting (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Segment Reporting      
Number of reportable segments not disclosed flag true    
Portfolio revenue $ 566,417 $ 395,885 $ 293,574
Credit card revenue 7,196 8,338 8,820
Servicing revenue 39,676 29,118 20,678
Total Revenues 613,289 433,341 323,072
Provision for credit losses 2,360 3,497 3,524
Salaries and benefits 64,584 48,112 36,527
Servicing expenses 187,201 130,889 101,696
Depreciation and amortization 5,254 2,608 2,372
Professional fees 18,641 11,396 6,833
Other selling, general and administrative 18,754 16,572 8,069
Net Operating Income 316,495 220,267 164,051
Other Income / (Expense):      
Interest expense (105,784) (77,239) (48,108)
Foreign exchange and other income / (expense) 7,725 (5,474) 4,641
Total other expense (98,059) (82,713) (43,467)
Income Before Income Taxes 218,436 137,554 120,584
United States      
Segment Reporting      
Portfolio revenue 435,064 287,924 207,005
Credit card revenue 2,627 2,776 3,113
Servicing revenue 12,650 4,999 4,004
Total Revenues 450,341 295,699 214,122
Provision for credit losses 1,578 1,876 2,106
Salaries and benefits 42,841 28,342  
Salaries and benefits     20,014
Servicing expenses 143,722 95,599 70,397
Depreciation and amortization 3,676 1,067 1,330
Professional fees 16,090 9,258 4,534
Canaccede exit incentive 1,446    
Other selling, general and administrative 12,851 12,547  
Other selling, general and administrative     3,145
Net Operating Income 228,137 147,010 112,596
United Kingdom      
Segment Reporting      
Portfolio revenue 25,355 28,534 24,177
Servicing revenue 25,388 23,758 16,481
Total Revenues 50,743 52,292 40,658
Salaries and benefits 15,841 14,127  
Salaries and benefits     11,752
Servicing expenses 19,220 15,131 14,138
Depreciation and amortization 355 322 288
Professional fees 1,014 911 866
Other selling, general and administrative 2,565 2,432  
Other selling, general and administrative     2,056
Net Operating Income 11,748 19,369 11,558
Canada      
Segment Reporting      
Portfolio revenue 65,588 48,232 44,870
Credit card revenue 4,569 5,562 5,707
Servicing revenue 1,638 361 193
Total Revenues 71,795 54,155 50,770
Provision for credit losses 782 1,621 1,418
Salaries and benefits 5,196 5,253  
Salaries and benefits     5,299
Servicing expenses 10,163 10,036 8,177
Depreciation and amortization 1,193 1,194 742
Professional fees 513 370 561
Other selling, general and administrative 1,297 1,154  
Other selling, general and administrative     1,919
Net Operating Income 52,651 34,527 32,654
Latin America      
Segment Reporting      
Portfolio revenue 40,410 31,195 17,522
Total Revenues 40,410 31,195 17,522
Salaries and benefits 706 390  
Salaries and benefits     121
Servicing expenses 14,096 10,123 8,984
Depreciation and amortization 30 25 12
Professional fees 1,024 857 872
Other selling, general and administrative 595 439  
Other selling, general and administrative     290
Net Operating Income $ 23,959 $ 19,361 $ 7,243