v3.26.1
FAIR VALUE OF ASSETS AND LIABILITIES - Receivable from Credit Card Partner (Details)
$ in Thousands
12 Months Ended
Dec. 31, 2025
USD ($)
Dec. 31, 2024
USD ($)
Servicing Assets And Liabilities Fair Value [Line Items]    
Fair value, using the following assumptions: [1],[2] $ 99,865 $ 104,153
Prepayment rate increase 110.00%  
Prepayment rate decrease 90.00%  
Default rate increase 110.00%  
Default rate decrease 90.00%  
Prepayment rate assumption    
Servicing Assets And Liabilities Fair Value [Line Items]    
Prepayment rate increase 110.00%  
Prepayment rate decrease 90.00%  
Default rate assumption    
Servicing Assets And Liabilities Fair Value [Line Items]    
Default rate increase 110.00%  
Default rate decrease 90.00%  
Receivable From Credit Card Partner | 100 basis point increase | Discount rate assumption    
Servicing Assets And Liabilities Fair Value [Line Items]    
Fair value resulting from: $ 99,689 103,923
Receivable From Credit Card Partner | 200 basis point increase | Discount rate assumption    
Servicing Assets And Liabilities Fair Value [Line Items]    
Fair value resulting from: 99,518 103,699
Receivable From Credit Card Partner | 100 basis point decrease | Discount rate assumption    
Servicing Assets And Liabilities Fair Value [Line Items]    
Fair value resulting from: 100,045 104,390
Receivable From Credit Card Partner | 200 basis point decrease | Discount rate assumption    
Servicing Assets And Liabilities Fair Value [Line Items]    
Fair value resulting from: 100,231 104,633
Receivable From Credit Card Partner | Applying a 1.1 multiplier to prepayment rate | Prepayment rate assumption    
Servicing Assets And Liabilities Fair Value [Line Items]    
Fair value resulting from: $ 99,676 103,911
Prepayment rate increase 110.00%  
Receivable From Credit Card Partner | Applying a 0.9 multiplier to prepayment rate | Prepayment rate assumption    
Servicing Assets And Liabilities Fair Value [Line Items]    
Fair value resulting from: $ 100,055 104,398
Prepayment rate decrease 90.00%  
Receivable From Credit Card Partner | Applying a 1.1 multiplier to default rate | Default rate assumption    
Servicing Assets And Liabilities Fair Value [Line Items]    
Fair value resulting from: $ 97,376 101,503
Default rate increase 110.00%  
Receivable From Credit Card Partner | Applying a 0.9 multiplier to default rate | Default rate assumption    
Servicing Assets And Liabilities Fair Value [Line Items]    
Fair value resulting from: $ 102,459 $ 106,916
Default rate decrease 90.00%  
Receivable From Credit Card Partner | Discount rate    
Servicing Assets And Liabilities Fair Value [Line Items]    
Fair value assumptions 0.2315 0.2244
Receivable From Credit Card Partner | Prepayment rate    
Servicing Assets And Liabilities Fair Value [Line Items]    
Fair value assumptions 0.0822 0.0814
Receivable From Credit Card Partner | Default rate    
Servicing Assets And Liabilities Fair Value [Line Items]    
Fair value assumptions 0.1500 0.1480
[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.