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Finance Receivables, Credit Quality Information, and Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Summary of Net Finance Receivables | Net finance receivables for the periods indicated consisted of the following:
Dollars in thousands |  | September 30, 2025 |  |  | December 31, 2024 |
Large loans |  | $ | 1,512,140 |  |  | $ | 1,336,780 |
Small loans |  |  | 540,877 |  |  |  | 555,755 |
Total |  | $ | 2,053,017 |  |  | $ | 1,892,535 |
Summary of Financing Receivable Credit Quality Indicators | Net finance receivables by product, FICO band at origination, and origination year as of September 30, 2025 are as follows:
| Net Finance Receivables by Origination Year |
Dollars in thousands | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Total Net Finance Receivables |
Large Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
FICO Band |  |  |  |  |  |  |  |  |  |  |  |  |  |
1 | $ | 92,736 |  | $ | 47,407 |  | $ | 19,246 |  | $ | 6,346 |  | $ | 1,887 |  | $ | 489 |  | $ | 168,111 |
2 |  | 57,464 |  |  | 28,315 |  |  | 8,938 |  |  | 2,790 |  |  | 552 |  |  | 73 |  |  | 98,132 |
3 |  | 94,171 |  |  | 46,581 |  |  | 17,004 |  |  | 7,255 |  |  | 1,176 |  |  | 77 |  |  | 166,264 |
4 |  | 124,157 |  |  | 65,001 |  |  | 25,767 |  |  | 11,495 |  |  | 1,826 |  |  | 121 |  |  | 228,367 |
5 |  | 136,430 |  |  | 74,676 |  |  | 28,733 |  |  | 13,309 |  |  | 2,836 |  |  | 149 |  |  | 256,133 |
6 |  | 320,596 |  |  | 168,960 |  |  | 71,846 |  |  | 28,256 |  |  | 5,220 |  |  | 255 |  |  | 595,133 |
Total | $ | 825,554 |  | $ | 430,940 |  | $ | 171,534 |  | $ | 69,451 |  | $ | 13,497 |  | $ | 1,164 |  | $ | 1,512,140 |
Small Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
FICO Band |  |  |  |  |  |  |  |  |  |  |  |  |  |
1 | $ | 66,730 |  | $ | 20,151 |  | $ | 3,154 |  | $ | 425 |  | $ | 77 |  | $ | 18 |  | $ | 90,555 |
2 |  | 30,396 |  |  | 9,960 |  |  | 1,350 |  |  | 117 |  |  | 7 |  |  | — |  |  | 41,830 |
3 |  | 46,798 |  |  | 15,716 |  |  | 1,906 |  |  | 170 |  |  | 13 |  |  | 1 |  |  | 64,604 |
4 |  | 53,247 |  |  | 20,684 |  |  | 2,537 |  |  | 172 |  |  | 9 |  |  | 5 |  |  | 76,654 |
5 |  | 53,532 |  |  | 26,249 |  |  | 3,418 |  |  | 169 |  |  | 11 |  |  | 1 |  |  | 83,380 |
6 |  | 113,978 |  |  | 62,782 |  |  | 6,849 |  |  | 229 |  |  | 14 |  |  | 2 |  |  | 183,854 |
Total | $ | 364,681 |  | $ | 155,542 |  | $ | 19,214 |  | $ | 1,282 |  | $ | 131 |  | $ | 27 |  | $ | 540,877 |
Total Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
FICO Band |  |  |  |  |  |  |  |  |  |  |  |  |  |
1 | $ | 159,466 |  | $ | 67,558 |  | $ | 22,400 |  | $ | 6,771 |  | $ | 1,964 |  | $ | 507 |  | $ | 258,666 |
2 |  | 87,860 |  |  | 38,275 |  |  | 10,288 |  |  | 2,907 |  |  | 559 |  |  | 73 |  |  | 139,962 |
3 |  | 140,969 |  |  | 62,297 |  |  | 18,910 |  |  | 7,425 |  |  | 1,189 |  |  | 78 |  |  | 230,868 |
4 |  | 177,404 |  |  | 85,685 |  |  | 28,304 |  |  | 11,667 |  |  | 1,835 |  |  | 126 |  |  | 305,021 |
5 |  | 189,962 |  |  | 100,925 |  |  | 32,151 |  |  | 13,478 |  |  | 2,847 |  |  | 150 |  |  | 339,513 |
6 |  | 434,574 |  |  | 231,742 |  |  | 78,695 |  |  | 28,485 |  |  | 5,234 |  |  | 257 |  |  | 778,987 |
Total | $ | 1,190,235 |  | $ | 586,482 |  | $ | 190,748 |  | $ | 70,733 |  | $ | 13,628 |  | $ | 1,191 |  | $ | 2,053,017 |
Net finance receivables by product, FICO band at origination, and origination year as of December 31, 2024 are as follows:
| Net Finance Receivables by Origination Year |
Dollars in thousands | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Total Net Finance Receivables |
Large Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
FICO Band |  |  |  |  |  |  |  |  |  |  |  |  |  |
1 | $ | 86,776 |  | $ | 37,750 |  | $ | 12,457 |  | $ | 3,950 |  | $ | 793 |  | $ | 373 |  | $ | 142,099 |
2 |  | 55,211 |  |  | 19,464 |  |  | 6,171 |  |  | 1,602 |  |  | 173 |  |  | 92 |  |  | 82,713 |
3 |  | 90,642 |  |  | 35,777 |  |  | 16,579 |  |  | 4,224 |  |  | 339 |  |  | 59 |  |  | 147,620 |
4 |  | 125,867 |  |  | 52,564 |  |  | 25,521 |  |  | 6,140 |  |  | 570 |  |  | 100 |  |  | 210,762 |
5 |  | 137,243 |  |  | 58,604 |  |  | 28,564 |  |  | 8,148 |  |  | 784 |  |  | 36 |  |  | 233,379 |
6 |  | 300,714 |  |  | 140,149 |  |  | 62,303 |  |  | 15,514 |  |  | 1,464 |  |  | 63 |  |  | 520,207 |
Total | $ | 796,453 |  | $ | 344,308 |  | $ | 151,595 |  | $ | 39,578 |  | $ | 4,123 |  | $ | 723 |  | $ | 1,336,780 |
Small Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
FICO Band |  |  |  |  |  |  |  |  |  |  |  |  |  |
1 | $ | 67,809 |  | $ | 11,905 |  | $ | 1,737 |  | $ | 257 |  | $ | 40 |  | $ | 28 |  | $ | 81,776 |
2 |  | 32,851 |  |  | 5,799 |  |  | 755 |  |  | 61 |  |  | 4 |  |  | 2 |  |  | 39,472 |
3 |  | 52,846 |  |  | 9,456 |  |  | 1,061 |  |  | 76 |  |  | 4 |  |  | 2 |  |  | 63,445 |
4 |  | 67,200 |  |  | 12,903 |  |  | 1,161 |  |  | 94 |  |  | 9 |  |  | 7 |  |  | 81,374 |
5 |  | 75,458 |  |  | 16,882 |  |  | 1,500 |  |  | 69 |  |  | 3 |  |  | 3 |  |  | 93,915 |
6 |  | 160,551 |  |  | 32,671 |  |  | 2,462 |  |  | 80 |  |  | 5 |  |  | 4 |  |  | 195,773 |
Total | $ | 456,715 |  | $ | 89,616 |  | $ | 8,676 |  | $ | 637 |  | $ | 65 |  | $ | 46 |  | $ | 555,755 |
Total Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
FICO Band |  |  |  |  |  |  |  |  |  |  |  |  |  |
1 | $ | 154,585 |  | $ | 49,655 |  | $ | 14,194 |  | $ | 4,207 |  | $ | 833 |  | $ | 401 |  | $ | 223,875 |
2 |  | 88,062 |  |  | 25,263 |  |  | 6,926 |  |  | 1,663 |  |  | 177 |  |  | 94 |  |  | 122,185 |
3 |  | 143,488 |  |  | 45,233 |  |  | 17,640 |  |  | 4,300 |  |  | 343 |  |  | 61 |  |  | 211,065 |
4 |  | 193,067 |  |  | 65,467 |  |  | 26,682 |  |  | 6,234 |  |  | 579 |  |  | 107 |  |  | 292,136 |
5 |  | 212,701 |  |  | 75,486 |  |  | 30,064 |  |  | 8,217 |  |  | 787 |  |  | 39 |  |  | 327,294 |
6 |  | 461,265 |  |  | 172,820 |  |  | 64,765 |  |  | 15,594 |  |  | 1,469 |  |  | 67 |  |  | 715,980 |
Total | $ | 1,253,168 |  | $ | 433,924 |  | $ | 160,271 |  | $ | 40,215 |  | $ | 4,188 |  | $ | 769 |  | $ | 1,892,535 |
Credit losses by product and origination year for the periods indicated are as follows:
| Nine Months Ended September 30, 2025 |
Dollars in thousands | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Total Credit Losses |
Large loans | $ | 2,765 |  | $ | 50,992 |  | $ | 32,665 |  | $ | 11,856 |  | $ | 2,956 |  | $ | 493 |  | $ | 101,727 |
Small loans |  | 4,191 |  |  | 55,071 |  |  | 14,919 |  |  | 1,491 |  |  | 106 |  |  | 30 |  |  | 75,808 |
Total | $ | 6,956 |  | $ | 106,063 |  | $ | 47,584 |  | $ | 13,347 |  | $ | 3,062 |  | $ | 523 |  | $ | 177,535 |
| Nine Months Ended September 30, 2024 |
Dollars in thousands | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Total Credit Losses |
Large loans | $ | 2,346 |  | $ | 51,378 |  | $ | 33,207 |  | $ | 9,525 |  | $ | 1,297 |  | $ | 408 |  | $ | 98,161 |
Small loans |  | 3,766 |  |  | 44,676 |  |  | 10,595 |  |  | 951 |  |  | 51 |  |  | 31 |  |  | 60,070 |
Total | $ | 6,112 |  | $ | 96,054 |  | $ | 43,802 |  | $ | 10,476 |  | $ | 1,348 |  | $ | 439 |  | $ | 158,231 |
Amortized Cost Basis in Past-Due Loans | The contractual delinquency of the net finance receivables portfolio by product and aging for the periods indicated are as follows:
| September 30, 2025 |
| Large |  | Small |  | Total |
Dollars in thousands | $ |  | % |  | $ |  | % |  | $ |  | % |
Current | $ | 1,307,304 |  |  | 86.4 | % | $ | 433,052 |  |  | 80.1 | % | $ | 1,740,356 |  |  | 84.8 | %
1 to 29 days past due |  | 118,971 |  |  | 7.9 | % |  | 49,409 |  |  | 9.1 | % |  | 168,380 |  |  | 8.2 | %
Delinquent accounts: |  |  |  |  |  |  |  |  |  |  |  |
30 to 59 days |  | 24,676 |  |  | 1.7 | % |  | 15,424 |  |  | 2.9 | % |  | 40,100 |  |  | 1.9 | %
60 to 89 days |  | 18,842 |  |  | 1.2 | % |  | 13,072 |  |  | 2.4 | % |  | 31,914 |  |  | 1.6 | %
90 to 119 days |  | 15,496 |  |  | 1.0 | % |  | 10,808 |  |  | 2.0 | % |  | 26,304 |  |  | 1.2 | %
120 to 149 days |  | 13,992 |  |  | 0.9 | % |  | 9,730 |  |  | 1.8 | % |  | 23,722 |  |  | 1.2 | %
150 to 179 days |  | 12,859 |  |  | 0.9 | % |  | 9,382 |  |  | 1.7 | % |  | 22,241 |  |  | 1.1 | %
Total delinquency | $ | 85,865 |  |  | 5.7 | % | $ | 58,416 |  |  | 10.8 | % | $ | 144,281 |  |  | 7.0 | %
Total net finance receivables | $ | 1,512,140 |  |  | 100.0 | % | $ | 540,877 |  |  | 100.0 | % | $ | 2,053,017 |  |  | 100.0 | %
Net finance receivables in nonaccrual status | $ | 54,994 |  |  | 3.6 | % | $ | 34,694 |  |  | 6.4 | % | $ | 89,688 |  |  | 4.4 | %
| December 31, 2024 |
| Large |  | Small |  | Total |
Dollars in thousands | $ |  | % |  | $ |  | % |  | $ |  | % |
Current | $ | 1,139,070 |  |  | 85.2 | % | $ | 451,311 |  |  | 81.2 | % | $ | 1,590,381 |  |  | 84.0 | %
1 to 29 days past due |  | 109,656 |  |  | 8.2 | % |  | 46,656 |  |  | 8.4 | % |  | 156,312 |  |  | 8.3 | %
Delinquent accounts: |  |  |  |  |  |  |  |  |  |  |  |
30 to 59 days |  | 22,909 |  |  | 1.7 | % |  | 14,039 |  |  | 2.5 | % |  | 36,948 |  |  | 1.9 | %
60 to 89 days |  | 21,493 |  |  | 1.6 | % |  | 13,749 |  |  | 2.5 | % |  | 35,242 |  |  | 1.9 | %
90 to 119 days |  | 16,609 |  |  | 1.3 | % |  | 11,476 |  |  | 2.1 | % |  | 28,085 |  |  | 1.5 | %
120 to 149 days |  | 14,357 |  |  | 1.1 | % |  | 9,630 |  |  | 1.7 | % |  | 23,987 |  |  | 1.3 | %
150 to 179 days |  | 12,686 |  |  | 0.9 | % |  | 8,894 |  |  | 1.6 | % |  | 21,580 |  |  | 1.1 | %
Total delinquency | $ | 88,054 |  |  | 6.6 | % | $ | 57,788 |  |  | 10.4 | % | $ | 145,842 |  |  | 7.7 | %
Total net finance receivables | $ | 1,336,780 |  |  | 100.0 | % | $ | 555,755 |  |  | 100.0 | % | $ | 1,892,535 |  |  | 100.0 | %
Net finance receivables in nonaccrual status | $ | 54,228 |  |  | 4.1 | % | $ | 34,602 |  |  | 6.2 | % | $ | 88,830 |  |  | 4.7 | %
Changes in Allowance for Credit Losses | The following are changes in the allowance for credit losses by product for the periods indicated:
| As of and For the Three Months Ended September 30, 2025 |
Dollars in thousands | Large |  | Small |  | Total |
Beginning balance | $ | 138,110 |  | $ | 64,690 |  | $ | 202,800 |
Provision for credit losses |  | 35,215 |  |  | 25,259 |  |  | 60,474 |
Credit losses |  | (31,332 | ) |  | (23,966 | ) |  | (55,298 | )
Recoveries |  | 2,537 |  |  | 1,487 |  |  | 4,024 |
Ending balance | $ | 144,530 |  | $ | 67,470 |  | $ | 212,000 |
Net finance receivables | $ | 1,512,140 |  | $ | 540,877 |  | $ | 2,053,017 |
Allowance as percentage of net finance receivables |  | 9.6 | % |  | 12.5 | % |  | 10.3 | %
| As of and For the Three Months Ended September 30, 2024 |
Dollars in thousands | Large |  | Small |  | Total |
Beginning balance | $ | 123,978 |  | $ | 61,422 |  | $ | 185,400 |
Provision for credit losses |  | 34,768 |  |  | 19,581 |  |  | 54,349 |
Credit losses |  | (30,493 | ) |  | (19,932 | ) |  | (50,425 | )
Recoveries |  | 1,717 |  |  | 1,059 |  |  | 2,776 |
Ending balance | $ | 129,970 |  | $ | 62,130 |  | $ | 192,100 |
Net finance receivables | $ | 1,293,410 |  | $ | 526,346 |  | $ | 1,819,756 |
Allowance as percentage of net finance receivables |  | 10.0 | % |  | 11.8 | % |  | 10.6 | %
| As of and For the Nine Months Ended September 30, 2025 |
Dollars in thousands | Large |  | Small |  | Total |
Beginning balance | $ | 133,506 |  | $ | 65,994 |  | $ | 199,500 |
Provision for credit losses |  | 105,904 |  |  | 73,149 |  |  | 179,053 |
Credit losses |  | (101,727 | ) |  | (75,808 | ) |  | (177,535 | )
Recoveries |  | 6,847 |  |  | 4,135 |  |  | 10,982 |
Ending balance | $ | 144,530 |  | $ | 67,470 |  | $ | 212,000 |
Net finance receivables | $ | 1,512,140 |  | $ | 540,877 |  | $ | 2,053,017 |
Allowance as percentage of net finance receivables |  | 9.6 | % |  | 12.5 | % |  | 10.3 | %
| As of and For the Nine Months Ended September 30, 2024 |
Dollars in thousands | Large |  | Small |  | Total |
Beginning balance | $ | 127,992 |  | $ | 59,408 |  | $ | 187,400 |
Provision for credit losses |  | 94,916 |  |  | 59,658 |  |  | 154,574 |
Credit losses |  | (98,161 | ) |  | (60,070 | ) |  | (158,231 | )
Recoveries |  | 5,223 |  |  | 3,134 |  |  | 8,357 |
Ending balance | $ | 129,970 |  | $ | 62,130 |  | $ | 192,100 |
Net finance receivables | $ | 1,293,410 |  | $ | 526,346 |  | $ | 1,819,756 |
Allowance as percentage of net finance receivables |  | 10.0 | % |  | 11.8 | % |  | 10.6 | %
Modifications Made to Borrowers Experiencing Financial Difficulty | The information relating to modifications made to borrowers experiencing financial difficulty and their related percentage of applicable net finance receivables for the periods indicated are as follows:
|  | As of and for the Three Months Ended September 30, 2025 |
|  | Large |  |  | Small |  |  | Total |
Dollars in thousands |  | $ |  | % |  |  | $ |  | % |  |  | $ |  | % |
Interest rate reduction |  | $ | 6,011 |  |  | 0.4 | % |  | $ | 1,894 |  |  | 0.3 | % |  | $ | 7,905 |  |  | 0.3 | %
Interest rate reduction & term extension |  |  | 1,421 |  |  | 0.1 | % |  |  | 297 |  |  | 0.1 | % |  |  | 1,718 |  |  | 0.1 | %
Term extension |  |  | 885 |  |  | 0.1 | % |  |  | 175 |  |  | — |  |  |  | 1,060 |  |  | 0.1 | %
Principal forgiveness, interest rate reduction, & term extension |  |  | 147 |  |  | — |  |  |  | 6 |  |  | — |  |  |  | 153 |  |  | — |
Total |  | $ | 8,464 |  |  | 0.6 | % |  | $ | 2,372 |  |  | 0.4 | % |  | $ | 10,836 |  |  | 0.5 | %
|  | As of and for the Three Months Ended September 30, 2024 |
|  | Large |  |  | Small |  |  | Total |
Dollars in thousands |  | $ |  | % |  |  | $ |  | % |  |  | $ |  | % |
Interest rate reduction |  | $ | 2,943 |  |  | 0.2 | % |  | $ | 1,334 |  |  | 0.3 | % |  | $ | 4,277 |  |  | 0.2 | %
Interest rate reduction & term extension |  |  | 2,110 |  |  | 0.2 | % |  |  | 386 |  |  | 0.1 | % |  |  | 2,496 |  |  | 0.1 | %
Term extension |  |  | 1,108 |  |  | 0.1 | % |  |  | 199 |  |  | — |  |  |  | 1,307 |  |  | 0.1 | %
Principal forgiveness, interest rate reduction, & term extension |  |  | 110 |  |  | — |  |  |  | 5 |  |  | — |  |  |  | 115 |  |  | — |
Total |  | $ | 6,271 |  |  | 0.5 | % |  | $ | 1,924 |  |  | 0.4 | % |  | $ | 8,195 |  |  | 0.5 | %
|  | As of and for the Nine Months Ended September 30, 2025 |
|  | Large |  |  | Small |  |  | Total |
Dollars in thousands |  | $ |  | % |  |  | $ |  | % |  |  | $ |  | % |
Interest rate reduction |  | $ | 14,350 |  |  | 0.9 | % |  | $ | 4,490 |  |  | 0.9 | % |  | $ | 18,840 |  |  | 0.9 | %
Interest rate reduction & term extension |  |  | 5,331 |  |  | 0.4 | % |  |  | 1,076 |  |  | 0.2 | % |  |  | 6,407 |  |  | 0.3 | %
Term extension |  |  | 1,211 |  |  | 0.1 | % |  |  | 240 |  |  | — |  |  |  | 1,451 |  |  | 0.1 | %
Principal forgiveness, interest rate reduction, & term extension |  |  | 518 |  |  | — |  |  |  | 18 |  |  | — |  |  |  | 536 |  |  | — |
Total |  | $ | 21,410 |  |  | 1.4 | % |  | $ | 5,824 |  |  | 1.1 | % |  | $ | 27,234 |  |  | 1.3 | %
|  | As of and for the Nine Months Ended September 30, 2024 |
|  | Large |  |  | Small |  |  | Total |
Dollars in thousands |  | $ |  | % |  |  | $ |  | % |  |  | $ |  | % |
Interest rate reduction |  | $ | 3,435 |  |  | 0.3 | % |  | $ | 1,468 |  |  | 0.3 | % |  | $ | 4,903 |  |  | 0.3 | %
Interest rate reduction & term extension |  |  | 8,000 |  |  | 0.6 | % |  |  | 1,331 |  |  | 0.3 | % |  |  | 9,331 |  |  | 0.5 | %
Term extension |  |  | 2,082 |  |  | 0.2 | % |  |  | 470 |  |  | 0.1 | % |  |  | 2,552 |  |  | 0.1 | %
Principal forgiveness, interest rate reduction, & term extension |  |  | 385 |  |  | — |  |  |  | 23 |  |  | — |  |  |  | 408 |  |  | — |
Total |  | $ | 13,902 |  |  | 1.1 | % |  | $ | 3,292 |  |  | 0.6 | % |  | $ | 17,194 |  |  | 0.9 | %
Summary of Financial Effects of Borrowers Experiencing Financial Difficulty | The financial effects of the modifications made to borrowers experiencing financial difficulty for the periods indicated are as follows:
|  | Three Months Ended September 30, 2025
Loan Modification |  | Product |  | Financial Effect
Interest rate reduction |  | Large loans |  | Reduced the weighted-average contractual interest rate by 17.8%.
|  | Small loans |  | Reduced the weighted-average contractual interest rate by 28.6%.
Term extension |  | Large loans |  | Added a weighted-average 1.2 years to the life of loans.
|  | Small loans |  | Added a weighted-average 1.0 years to the life of loans.
Principal forgiveness |  | Large loans |  | Reduced the amortized cost basis of the loans by $0.3 million.
|  | Small loans |  | Reduced the amortized cost basis of the loans by $0.1 million.
|  | Three Months Ended September 30, 2024
Loan Modification |  | Product |  | Financial Effect
Interest rate reduction |  | Large loans |  | Reduced the weighted-average contractual interest rate by 15.0%.
|  | Small loans |  | Reduced the weighted-average contractual interest rate by 26.8%.
Term extension |  | Large loans |  | Added a weighted-average 1.2 years to the life of loans.
|  | Small loans |  | Added a weighted-average 1.1 years to the life of loans.
Principal forgiveness |  | Large loans |  | Reduced the amortized cost basis of the loans by $0.3 million.
|  | Small loans |  | Reduced the amortized cost basis of the loans by $0.1 million.
|  | Nine Months Ended September 30, 2025
Loan Modification |  | Product |  | Financial Effect
Interest rate reduction |  | Large loans |  | Reduced the weighted-average contractual interest rate by 18.2%.
|  | Small loans |  | Reduced the weighted-average contractual interest rate by 29.3%.
Term extension |  | Large loans |  | Added a weighted-average 1.4 years to the life of loans.
|  | Small loans |  | Added a weighted-average 1.3 years to the life of loans.
Principal forgiveness |  | Large loans |  | Reduced the amortized cost basis of the loans by $0.9 million.
|  | Small loans |  | Reduced the amortized cost basis of the loans by $0.3 million.
|  | Nine Months Ended September 30, 2024
Loan Modification |  | Product |  | Financial Effect
Interest rate reduction |  | Large loans |  | Reduced the weighted-average contractual interest rate by 11.2%.
|  | Small loans |  | Reduced the weighted-average contractual interest rate by 22.6%.
Term extension |  | Large loans |  | Added a weighted-average 1.4 years to the life of loans.
|  | Small loans |  | Added a weighted-average 1.3 years to the life of loans.
Principal forgiveness |  | Large loans |  | Reduced the amortized cost basis of the loans by $0.9 million.
|  | Small loans |  | Reduced the amortized cost basis of the loans by $0.3 million.
Summary of Amortized Cost Basis for Modifications Made to Borrowers Experiencing Financial Difficulty Subsequently Defaulted | The following tables provide the amortized cost basis for modifications made to borrowers experiencing financial difficulty within the previous twelve months that subsequently defaulted. The Company defines payment default as 90 days past due for this disclosure. The respective amounts for each modification for the periods indicated are as follows:
|  | As of and for the Three Months Ended September 30, 2025 |
Dollars in thousands |  | Large |  |  | Small |  |  | Total |
Interest rate reduction |  | $ | 2,828 |  |  | $ | 1,185 |  |  | $ | 4,013 |
Interest rate reduction & term extension |  |  | 859 |  |  |  | 197 |  |  |  | 1,056 |
Term extension |  |  | 159 |  |  |  | 22 |  |  |  | 181 |
Principal forgiveness, interest rate reduction, & term extension |  |  | 31 |  |  |  | 3 |  |  |  | 34 |
Total |  | $ | 3,877 |  |  | $ | 1,407 |  |  | $ | 5,284 |
|  | As of and for the Three Months Ended September 30, 2024 |
Dollars in thousands |  | Large |  |  | Small |  |  | Total |
Interest rate reduction |  | $ | 53 |  |  | $ | 11 |  |  | $ | 64 |
Interest rate reduction & term extension |  |  | 1,417 |  |  |  | 228 |  |  |  | 1,645 |
Term extension |  |  | 276 |  |  |  | 69 |  |  |  | 345 |
Principal forgiveness, interest rate reduction, & term extension |  |  | 20 |  |  |  | 2 |  |  |  | 22 |
Total |  | $ | 1,766 |  |  | $ | 310 |  |  | $ | 2,076 |
|  | As of and for the Nine Months Ended September 30, 2025 |
Dollars in thousands |  | Large |  |  | Small |  |  | Total |
Interest rate reduction |  | $ | 3,706 |  |  | $ | 1,428 |  |  | $ | 5,134 |
Interest rate reduction & term extension |  |  | 1,159 |  |  |  | 235 |  |  |  | 1,394 |
Term extension |  |  | 197 |  |  |  | 35 |  |  |  | 232 |
Principal forgiveness, interest rate reduction, & term extension |  |  | 55 |  |  |  | 3 |  |  |  | 58 |
Total |  | $ | 5,117 |  |  | $ | 1,701 |  |  | $ | 6,818 |
|  | As of and for the Nine Months Ended September 30, 2024 |
Dollars in thousands |  | Large |  |  | Small |  |  | Total |
Interest rate reduction |  | $ | 71 |  |  | $ | 11 |  |  | $ | 82 |
Interest rate reduction & term extension |  |  | 1,793 |  |  |  | 298 |  |  |  | 2,091 |
Term extension |  |  | 317 |  |  |  | 78 |  |  |  | 395 |
Principal forgiveness, interest rate reduction, & term extension |  |  | 34 |  |  |  | 6 |  |  |  | 40 |
Total |  | $ | 2,215 |  |  | $ | 393 |  |  | $ | 2,608 |
Summary of Contractual Delinquencies of Loans | The contractual delinquencies of loans that were modified to borrowers experiencing financial difficulty within the previous twelve months for the periods indicated are as follows:
|  | September 30, 2025 |
Dollars in thousands |  | Large |  |  | Small |  |  | Total |
Current |  | $ | 18,393 |  |  | $ | 4,269 |  |  | $ | 22,662 |
30 - 89 days past due |  |  | 3,016 |  |  |  | 917 |  |  |  | 3,933 |
90+ days past due |  |  | 2,692 |  |  |  | 1,180 |  |  |  | 3,872 |
Total (1) |  | $ | 24,101 |  |  | $ | 6,366 |  |  | $ | 30,467 |
(1) Excludes modified finance receivables that subsequently charged of f of $2.3 million and $0.9 million i n large and small loans, respectively.
|  | September 30, 2024 |
Dollars in thousands |  | Large |  |  | Small |  |  | Total |
Current |  | $ | 13,395 |  |  | $ | 2,978 |  |  | $ | 16,373 |
30 - 89 days past due |  |  | 1,670 |  |  |  | 405 |  |  |  | 2,075 |
90+ days past due |  |  | 1,275 |  |  |  | 256 |  |  |  | 1,531 |
Total (1) |  | $ | 16,340 |  |  | $ | 3,639 |  |  | $ | 19,979 |
(1) Excludes modified finance receivables that subsequently charge d off of $1.2 million and $0.2 million i n large and small loans, respectively.

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