v3.26.1
SECURITIZATIONS (Details)
$ in Thousands
 12 Months Ended
Nov. 30, 2024
USD ($)
class
Dec. 31, 2025
USD ($)
class
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Nov. 01, 2024
USD ($)
Mar. 28, 2024
USD ($)
Feb. 14, 2024
USD ($)
Sep. 25, 2023
USD ($)
class
Aug. 31, 2023
USD ($)
Variable Interest Entity [Line Items]                  
Notes issued by securitization trust [1],[2]   $ 149,902 $ 258,960            
Borrower loans, fair value [1],[2]   309,737 461,785            
Restricted Cash   94,363 [1],[2] 114,753 [1],[2] $ 120,298          
Total Interest Income, Net   22,134 16,023 $ 23,680          
Securtization Trust PMCC 2024-1                  
Variable Interest Entity [Line Items]                  
Securitization amount         $ 2,200        
Securitization Trust                  
Variable Interest Entity [Line Items]                  
Total Interest Income, Net   16,700 3,600            
VIE, Primary Beneficiary                  
Variable Interest Entity [Line Items]                  
Notes issued by securitization trust   149,902 258,960            
Borrower loans, fair value   64,400 176,208            
Restricted Cash   11,892 17,961            
VIE, Primary Beneficiary | Securtization Trust PMT 2023-1                  
Variable Interest Entity [Line Items]                  
Securitization amount               $ 266,100 $ 275,900
Number of classes issued | class               5  
Notes issued by securitization trust   43,300 107,600            
Unamortized debt issuance costs               $ 800  
Debt issuance costs               2,700  
Borrower loans, fair value   43,100 112,300            
Restricted Cash   $ 5,400 10,100            
VIE, Primary Beneficiary | 2023-1, Class A Notes                  
Variable Interest Entity [Line Items]                  
Notes issued by securitization trust               $ 165,500  
Interest rate               0.0706  
VIE, Primary Beneficiary | 2023-1, Class B Notes                  
Variable Interest Entity [Line Items]                  
Notes issued by securitization trust               $ 25,400  
Interest rate               0.0748  
VIE, Primary Beneficiary | 2023-1, Class C Notes                  
Variable Interest Entity [Line Items]                  
Notes issued by securitization trust               $ 25,100  
Interest rate               0.0829  
VIE, Primary Beneficiary | 2023-1, Class D Notes                  
Variable Interest Entity [Line Items]                  
Notes issued by securitization trust               $ 22,300  
Interest rate               0.1124  
VIE, Primary Beneficiary | 2023-1, Class E Notes                  
Variable Interest Entity [Line Items]                  
Notes issued by securitization trust               $ 13,100  
Interest rate               0.1549  
VIE, Primary Beneficiary | Securtization Trust PMIT 2024-1                  
Variable Interest Entity [Line Items]                  
Securitization amount           $ 138,000 $ 148,900    
Number of classes issued | class   4              
Notes issued by securitization trust   $ 25,100 71,900            
Debt issuance costs   1,500              
Borrower loans, fair value   25,400 74,300            
Restricted Cash   3,400 6,800            
VIE, Primary Beneficiary | 2024-1, Class A Notes                  
Variable Interest Entity [Line Items]                  
Notes issued by securitization trust   $ 105,200              
Interest rate   0.0612              
VIE, Primary Beneficiary | 2024-1, Class B Notes                  
Variable Interest Entity [Line Items]                  
Notes issued by securitization trust   $ 10,800              
Interest rate   0.0613              
VIE, Primary Beneficiary | 2024-1, Class C Notes                  
Variable Interest Entity [Line Items]                  
Notes issued by securitization trust   $ 10,300              
Interest rate   0.0696              
VIE, Primary Beneficiary | 2024-1, Class D Notes                  
Variable Interest Entity [Line Items]                  
Notes issued by securitization trust   $ 10,200              
Interest rate   0.1098              
VIE, Primary Beneficiary | Securtization Trust PMCC 2024-1                  
Variable Interest Entity [Line Items]                  
Securitization amount $ 90,900       $ 94,700        
Number of classes issued | class 4                
Notes issued by securitization trust   $ 83,200 83,200            
Unamortized debt issuance costs $ 300                
Debt issuance costs 2,200                
Borrower loans, fair value   94,300 94,900            
Restricted Cash   $ 900 $ 900            
Least dilutional balance, percent   89.50%              
VIE, Primary Beneficiary | 2024-1, Class A Notes                  
Variable Interest Entity [Line Items]                  
Notes issued by securitization trust $ 46,300                
Interest rate 0.0615                
VIE, Primary Beneficiary | 2024-1, Class B Notes                  
Variable Interest Entity [Line Items]                  
Notes issued by securitization trust $ 10,700                
Interest rate 0.0715                
VIE, Primary Beneficiary | 2024-1, Class C Notes                  
Variable Interest Entity [Line Items]                  
Notes issued by securitization trust $ 11,100                
Interest rate 0.1005                
VIE, Primary Beneficiary | 2024-1, Class D Notes                  
Variable Interest Entity [Line Items]                  
Notes issued by securitization trust $ 14,800                
Interest rate 0.1464                
Principal payments not due period 2 years                
[1]
The following table presents the assets and liabilities of consolidated variable interest entities (“VIEs”), which are included in the Consolidated Balance Sheets above. The assets in the table below may only be used to settle obligations of consolidated VIEs and are in excess of those obligations. Additionally, the assets and liabilities in the table below include third-party assets and liabilities of consolidated VIEs only and exclude intercompany balances that eliminate in consolidation. Refer to Note 7, Securitizations, and Note 11, Debt, to the notes to the consolidated financial statements for additional information.

December 31,
20252024
Assets of consolidated VIEs, included in total assets above:
Restricted Cash$11,892 $17,961 
Accounts Receivable1,376 1,019 
Borrower Loans, at Fair Value64,400 176,208 
Receivable from Credit Card Partner, at Fair Value99,865 104,153 
Total assets of consolidated VIEs$177,533 $299,341 
Liabilities of consolidated VIEs, included in total liabilities above:
Notes Issued by Securitization Trusts$149,902 $258,960 
Other Liabilities2,163 1,570 
Total liabilities of consolidated VIEs$152,065 $260,530 
[2] (1) Includes amounts in consolidated variable interest entities presented separately in the table below.