v3.26.1
LOANS HELD FOR INVESTMENT, NET (Tables)
 6 Months Ended
Jun. 30, 2026
Receivables [Abstract]  
Schedule of Loans Held For Investment, Net
Accounts receivable, net consisted of the following:
June 30, 2026December 31, 2025
Receivables due from bank partners(1)
$132,558 $116,217 
Network incentive receivable143,927 130,962 
Other receivables11,288 10,705 
Accounts receivable, net
$287,773 $257,884 
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(1)Receivables due from bank partners are net of bank partner and network costs. As of June 30, 2026 and December 31, 2025, $95.6 million and $23.3 million of gross receivables due from bank partners were pledged as collateral.
Loans held for investment, net consisted of the following:
June 30, 2026December 31, 2025
Loans held for investment
$167,590 $148,221 
Less: allowance for expected credit losses
(70,192)(76,640)
Total loans held for investment, net
$97,398 $71,581 
Schedule of Credit Quality Information Below is a summary of the loans held for investment by vintage:
Days from originationJune 30, 2026December 31, 2025
1 - 30$99,796 $64,779 
31 - 608,035 9,456 
61 - 905,953 9,794 
91 - 1205,366 7,982 
121 - 180
8,946 15,353 
181 - 270
19,220 21,783 
Greater than 270
20,274 19,074 
Total$167,590 $148,221