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Debt (Details - Debt outstanding) - USD ($) $ in Thousands | 9 Months Ended | 12 Months Ended
--- | --- | ---
Sep. 30, 2024 | Dec. 31, 2023
Line of Credit Facility [Line Items] |  |
Warehouse lines of credit | $ 105,783 | $ 234,025
Residual interest financing | 99,127 | 49,875
Subordinated renewable notes | 24,288 | 17,188
Total debt outstanding | $ 233,347 | $ 301,813
Warehouse Lines Of Credit 1 [Member] |  |
Line of Credit Facility [Line Items] |  |
Interest rate | 3.00% over CP yield rate (Minimum 3.75%) 8.27% and 8.58% | 3.00% over CP yield rate (Minimum 3.75%) 8.27% and 8.58%
Maturity date description | July 2026 |
Warehouse lines of credit | $ 109,059 | $ 165,628
Warehouse Lines Of Credit 2 [Member] |  |
Line of Credit Facility [Line Items] |  |
Interest rate | 4.50% over a commercial paper rate (Minimum 7.50%) 9.60% and 9.63% | 4.50% over a commercial paper rate (Minimum 7.50%) 9.60% and 9.63%
Maturity date description | March 2026 |
Warehouse lines of credit | $ 0 | $ 68,997
Residual Interest Financing [Member] |  |
Line of Credit Facility [Line Items] |  |
Maturity date description | June 2026 |
Interest rate | 7.86% |
Residual interest financing | $ 50,000 | 50,000
Residual Interest Financing 1 [Member] |  |
Line of Credit Facility [Line Items] |  |
Maturity date description | March 2029 |
Interest rate | 11.50% |
Residual interest financing | $ 50,000 | $ 0
Subordinated Renewable Notes [Member] |  |
Line of Credit Facility [Line Items] |  |
Maturity date description | October 2026 | February 2026
Debt Instrument, Interest Rate Terms | 9.22% | 8.45%
Subordinated renewable notes | $ 24,288 | $ 17,188

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