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      "text": "Notes:\n1. US loans only, excludes Pay in 4 (formerly known as Split Pay) loan transactions with 0% APR and 6-8 week term lengths and loans made for Peloton purchases\n2. Metrics are unaudited",
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      "text": "30+ Days Delinquent\nFY 2018 4.0% 3.8% 3.2% 2.9%\nFY 2019 3.3% 3.2% 2.7% 2.6%\nFY 2020 3.2% 2.9% 2.8% 1.8%\nFY 2021 1.4% 1.3% 1.2% 1.3%\nFY 2022 2.1% 2.1% 2.7% 2.5%\nFY 2023 3.2% 2.7%\n60+ Days Delinquent\nFY 2018 2.3% 2.2% 1.8% 1.6%\nFY 2019 1.9% 1.8% 1.6% 1.5%\nFY 2020 1.8% 1.7% 1.6% 1.3%\nFY 2021 0.8% 0.7% 0.7% 0.7%\nFY 2022 1.2% 1.2% 1.6% 1.4%\nFY 2023 1.9% 1.6%\n90+ Days Delinquent\nFY 2018 1.1% 1.0% 0.9% 0.7%\nFY 2019 0.9% 0.9% 0.7% 0.6%\nFY 2020 0.8% 0.8% 0.7% 0.6%\nFY 2021 0.4% 0.3% 0.3% 0.3%\nFY 2022 0.6% 0.6% 0.6% 0.6%\nFY 2023 0.9% 0.8%",
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