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Note 6 - Fair Values of Assets and Liabilities (Tables)

12 Months Ended

Dec. 31, 2024

Notes Tables

Fair Value, Assets Measured on Recurring Basis [Table Text Block]

Assets – As of December 31, 2024 (1)		Quoted Prices in Active Markets for Identical Assets (Level 1)				Significant Other Observable Inputs (Level 2)				Significant Unobservable Inputs (Level 3)				Carrying Amount of Assets
Loans at amortized cost, net for which it is practicable to estimate fair value and which are carried at net amortized cost		$	—			$	—			$	95,871			$	84,332
Loans at fair value		$	—			$	—			$	2,630,274			$	2,630,274

Assets – As of December 31, 2023 (1)		Quoted Prices in Active Markets for Identical Assets (Level 1)				Significant Other Observable Inputs (Level 2)				Significant Unobservable Inputs (Level 3)				Carrying Amount of Assets
Loans at amortized cost, net for which it is practicable to estimate fair value and which are carried at net amortized cost		$	—			$	—			$	105,409			$	98,425
Loans at fair value		$	—			$	—			$	2,173,759			$	2,173,759

Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]

		Loans at Fair Value
		2024								2023
Balance at January 1,						$	2,173,759							$	1,817,976
Changes in fair value of loans at fair value, included in earnings			129,832								71,024
Changes in fair value due to current period principal charge-offs, net of recoveries (1)			(611,319	)							(538,146	)
Changes in fair value due to current period finance and fee charge-offs (1)			(251,984	)							(222,455	)
Total Changes in fair value of loans (2)							(733,471	)							(689,577	)
Purchases							2,580,684								2,427,095
Finance and fees, added to the account balance							1,080,950								970,006
Settlements							(2,471,648	)							(2,351,741	)
Balance at December 31,(3)						$	2,630,274							$	2,173,759
Aggregate unpaid gross balance of loans carried at fair value						$	2,724,782							$	2,411,255
Change in unrealized losses for the period included in earnings (or changes in net assets) for assets held at the end of the period						$	129,832							$	71,024

Fair Value, Liabilities Measured on Recurring Basis [Table Text Block]

Liabilities – As of December 31, 2024		Quoted Prices in Active Markets for Identical Assets (Level 1)				Significant Other Observable Inputs (Level 2)				Significant Unobservable Inputs (Level 3)				Carrying Amount of Liabilities
Loan purchase commitment		$	—			$	—			$	285			$	285
Bank partner fees carried at fair value		$	—			$	—			$	13,644			$	13,644
Liabilities not carried at fair value
Revolving credit facilities		$	—			$	—			$	2,149,933			$	2,193,993
Amortizing debt facilities		$	—			$	—			$	5,455			$	5,455
Senior notes, net		$	281,703			$	—			$	—			$	281,552

Liabilities – As of December 31, 2023		Quoted Prices in Active Markets for Identical Assets (Level 1)				Significant Other Observable Inputs (Level 2)				Significant Unobservable Inputs (Level 3)				Carrying Amount of Liabilities
Liabilities not carried at fair value
Revolving credit facilities		$	—			$	—			$	1,838,647			$	1,838,647
Amortizing debt facilities		$	—			$	—			$	23,038			$	23,038
Senior notes, net		$	138,229			$	—			$	—			$	144,453

Fair Value Option, Disclosures [Table Text Block]

As of December 31, 2024		Loans at Fair Value				Loans at Fair Value Pledged as Collateral under Structured Financings
Aggregate unpaid gross balance of loans carried at fair value		$	—			$	2,724,782
Aggregate unpaid principal balance included within loans at fair value		$	—			$	2,472,999
Aggregate fair value of loans at fair value		$	—			$	2,630,274
Aggregate fair value of loans at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies)		$	—			$	32,781
Unpaid principal balance of loans at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable		$	—			$	145,099

As of December 31, 2023		Loans at Fair Value				Loans at Fair Value Pledged as Collateral under Structured Financings
Aggregate unpaid gross balance of loans carried at fair value		$	507			$	2,410,748
Aggregate unpaid principal balance included within loans at fair value		$	491			$	2,176,845
Aggregate fair value of loans at fair value		$	508			$	2,173,251
Aggregate fair value of loans at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies)		$	—			$	29,149
Unpaid principal balance of loans at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable		$	9			$	147,803

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