Receivables (Tables)
|
12 Months Ended |
Dec. 31, 2021 |
|---|
| Receivables [Abstract] |
|
| Schedule of receivables |
|
|
|
December 31,
2021
|
|
December 31,
2020
|
|
Unsecured personal loan receivables
|
|
$
|
1 |
|
$
|
66 |
|
Secured personal loan receivables
|
|
|
77,491 |
|
|
43,804 |
|
Loan receivables
|
|
|
77,492 |
|
|
43,870 |
|
Instacash receivables
|
|
|
62,783 |
|
|
18,888 |
|
Finance receivables
|
|
|
140,275 |
|
|
62,758 |
|
Fees receivable
|
|
|
8,366 |
|
|
2,913 |
|
Membership receivables
|
|
|
3,099 |
|
|
1,885 |
|
Deferred loan origination costs
|
|
|
929 |
|
|
615 |
|
Accrued interest receivable
|
|
|
1,072 |
|
|
623 |
|
Receivables, before allowance for loan losses
|
|
$
|
153,741 |
|
$
|
68,794 |
|
| Schedule of changes in allowance for losses on finance receivables |
|
|
|
Twelve Months Ended
December 31,
|
| |
|
2021
|
|
2020
|
|
Beginning balance
|
|
$
|
9,127 |
|
|
$
|
6,613 |
|
|
Provision for loss on receivables
|
|
|
60,749 |
|
|
|
21,294 |
|
|
Receivables charged off
|
|
|
(75,557 |
)
|
|
|
(39,004 |
)
|
|
Recoveries
|
|
|
28,004 |
|
|
|
20,224 |
|
|
Ending balance
|
|
$
|
22,323 |
|
|
$
|
9,127 |
|
|
|
|
Twelve Months Ended
December 31,
|
| |
|
2021
|
|
2020
|
|
Beginning balance
|
|
$
|
9,127 |
|
|
$
|
6,613 |
|
|
Provision for loss on receivables
|
|
|
51,975 |
|
|
|
18,082 |
|
|
Finance receivables charged off
|
|
|
(65,711 |
)
|
|
|
(33,719 |
)
|
|
Recoveries
|
|
|
26,234 |
|
|
|
18,151 |
|
|
Ending balance
|
|
$
|
21,625 |
|
|
$
|
9,127 |
|
|
|
|
Twelve Months Ended
December 31,
|
| |
|
2021
|
|
2020
|
|
Beginning balance
|
|
$
|
|
|
|
$
|
|
|
|
Provision for loss on receivables
|
|
|
3,170 |
|
|
|
1,856 |
|
|
Membership receivables charged off
|
|
|
(3,446 |
)
|
|
|
(3,620 |
)
|
|
Recoveries
|
|
|
554 |
|
|
|
1,764 |
|
|
Ending balance
|
|
$
|
278 |
|
|
$
|
|
|
|
|
|
Twelve Months Ended
December 31,
|
| |
|
2021
|
|
2020
|
|
Beginning balance
|
|
$
|
|
|
|
$
|
|
|
|
Provision for loss on receivables
|
|
|
5,604 |
|
|
|
1,356 |
|
|
Fees receivable charged off
|
|
|
(6,400 |
)
|
|
|
(1,665 |
)
|
|
Recoveries
|
|
|
1,216 |
|
|
|
309 |
|
|
Ending balance
|
|
$
|
420 |
|
|
$
|
|
|
|
| Schedule of assessment of the credit quality of finance receivables |
|
|
|
December 31,
2021
|
|
December 31,
2020
|
| |
|
Amount
|
|
Percent
|
|
Amount
|
|
Percent
|
|
Current
|
|
$
|
122,477 |
|
87.3 |
%
|
|
$
|
54,247 |
|
86.4 |
%
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Delinquency:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
31 to 60 days
|
|
|
13,397 |
|
9.6 |
%
|
|
|
6,148 |
|
9.8 |
%
|
|
61 to 90 days
|
|
|
4,401 |
|
3.1 |
%
|
|
|
2,363 |
|
3.8 |
%
|
|
Total delinquency
|
|
|
17,798 |
|
12.7 |
%
|
|
|
8,511 |
|
13.6 |
%
|
|
Finance receivables before allowance for loan losses
|
|
$
|
140,275 |
|
100.0 |
%
|
|
$
|
62,758 |
|
100.0 |
%
|
|
|
|
December 31,
2021
|
|
December 31,
2020
|
| |
|
Amount
|
|
Percent
|
|
Amount
|
|
Percent
|
|
Current
|
|
$
|
66,514 |
|
85.8 |
%
|
|
$
|
38,133 |
|
86.9 |
%
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Delinquency:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
31 to 60 days
|
|
|
6,577 |
|
8.5 |
%
|
|
|
3,374 |
|
7.7 |
%
|
|
61 to 90 days
|
|
|
4,401 |
|
5.7 |
%
|
|
|
2,363 |
|
5.4 |
%
|
|
Total delinquency
|
|
|
10,978 |
|
14.2 |
%
|
|
|
5,737 |
|
13.1 |
%
|
|
Loan receivables before allowance for loan losses
|
|
$
|
77,492 |
|
100.0 |
%
|
|
$
|
43,870 |
|
100.0 |
%
|
|
|
|
December 31,
2021
|
|
December 31,
2020
|
| |
|
Amount
|
|
Percent
|
|
Amount
|
|
Percent
|
|
Current
|
|
$
|
55,963 |
|
89.1 |
%
|
|
$
|
16,114 |
|
85.3 |
%
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Delinquency:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
31 to 60 days
|
|
|
6,820 |
|
10.9 |
%
|
|
|
2,774 |
|
14.7 |
%
|
|
61 to 90 days
|
|
|
|
|
0.0 |
%
|
|
|
|
|
0.0 |
%
|
|
Total delinquency
|
|
|
6,820 |
|
10.9 |
%
|
|
|
2,774 |
|
14.7 |
%
|
|
Instacash receivables before allowance for loan losses
|
|
$
|
62,783 |
|
100.0 |
%
|
|
$
|
18,888 |
|
100.0 |
%
|
|
|
|
December 31,
2021
|
|
December 31,
2020
|
| |
|
Amount
|
|
Percent
|
|
Amount
|
|
Percent
|
|
Current
|
|
$
|
2,227 |
|
71.8 |
%
|
|
$
|
1,586 |
|
84.1 |
%
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Delinquency:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
31 to 60 days
|
|
|
514 |
|
16.6 |
%
|
|
|
168 |
|
9.0 |
%
|
|
61 to 90 days
|
|
|
358 |
|
11.6 |
%
|
|
|
131 |
|
6.9 |
%
|
|
Total delinquency
|
|
|
872 |
|
28.2 |
%
|
|
|
299 |
|
15.9 |
%
|
|
Membership receivables before allowance for loan losses
|
|
$
|
3,099 |
|
100.0 |
%
|
|
$
|
1,885 |
|
100.0 |
%
|
|
|
|
December 31,
2021
|
|
December 31,
2020
|
| |
|
Amount
|
|
Percent
|
|
Amount
|
|
Percent
|
|
Current
|
|
$
|
6,682 |
|
79.9 |
%
|
|
$
|
2,435 |
|
83.6 |
%
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Delinquency:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
31 to 60 days
|
|
|
1,684 |
|
20.1 |
%
|
|
|
478 |
|
16.4 |
%
|
|
61 to 90 days
|
|
|
|
|
0.0 |
%
|
|
|
|
|
0.0 |
%
|
|
Total delinquency
|
|
|
1,684 |
|
20.1 |
%
|
|
|
478 |
|
16.4 |
%
|
|
Fees receivable before allowance for loan losses
|
|
$
|
8,366 |
|
100.0 |
%
|
|
$
|
2,913 |
|
100.0 |
%
|
|