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Loans and Finance Receivables Held for Investment and Allowance for Credit Losses (Tables)
 9 Months Ended
Sep. 30, 2019
Receivables [Abstract]  
Schedule of Loans
Loans and finance receivables held for investment consisted of the following as of September 30, 2019 and December 31, 2018 (in thousands):
 
September 30, 2019
 
December 31, 2018
Term loans
$
937,883

 
$
956,755

Lines of credit
253,908

 
188,199

Other loans and finance receivables (1)
11,531

 
—

Total Unpaid Principal Balance
1,203,322

 
1,144,954

Net deferred origination costs
24,489

 
24,453

Total loans and finance receivables held for investment
$
1,227,811

 
$
1,169,407


(1) 
Includes loans secured by equipment and merchant cash advances.
Schedule of Allowance for Loan Losses
The change in the allowance for credit losses for the three and nine months ended September 30, 2019 and 2018 consisted of the following (in thousands):
 
Three Months Ended September 30,
 
Nine Months Ended September 30,
 
2019
 
2018
 
2019
 
2018
Balance at beginning of period
$
145,739

 
$
124,058

 
$
140,040

 
$
109,015

Recoveries of previously charged off amounts
4,652

 
3,306

 
13,089

 
9,857

Loans and finance receivables charged off
(45,442
)
 
(32,822
)
 
(134,422
)
 
(93,916
)
Provision for credit losses
43,096

 
39,102

 
129,338

 
108,688

Allowance for credit losses at end of period
$
148,045

 
$
133,644

 
$
148,045

 
$
133,644
Schedule of Non-delinquent and Delinquent Loans
The following table contains information, regarding the unpaid principal balance we originated related to non-delinquent, paying and non-paying delinquent loans and finance receivables as of September 30, 2019 and December 31, 2018 (in thousands):
 
September 30, 2019
 
December 31, 2018
Current loans and finance receivables
$
1,078,904

 
$
1,031,449

Delinquent: paying (accrual status)
34,888

 
54,427

Delinquent: non-paying (non-accrual status)
89,530

 
59,078

Total
$
1,203,322

 
$
1,144,954

The following table shows an aging analysis of the unpaid principal balance related to loans and finance receivables by delinquency status as of September 30, 2019 and December 31, 2018 (in thousands):
 
September 30, 2019
 
December 31, 2018
By delinquency status:
 
 
 
Current loans and finance receivables
$
1,078,904

 
$
1,031,449

1-14 calendar days past due
21,951

 
27,655

15-29 calendar days past due
15,363

 
14,665

30-59 calendar days past due
22,745

 
21,470

60-89 calendar days past due
18,624

 
19,031

90 + calendar days past due
45,735

 
30,684

Total unpaid principal balance
$
1,203,322

 
$
1,144,954