v3.25.2
Segment Information - Reconciliation of Total Contribution Profit to Net Loss Before Income Taxes (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Segment, Reconciliation of Other Items from Segments to Consolidated [Line Items]        
Sales and marketing, net of borrower acquisition costs $ (73,105) $ (32,958) $ (132,075) $ (68,108)
Customer operations, net of borrower verification and servicing costs (46,246) (38,684) (86,747) (78,092)
Engineering and product development (68,825) (58,453) (126,663) (121,544)
General, administrative, and other (64,573) (53,021) (125,131) (110,634)
Interest income, interest expense, and fair value adjustments, net 16,514 (2,902) 44,410 (13,176)
Other income, net 1,114 1,031 3,192 3,915
Net income (loss) before income taxes 5,656 (54,455) 3,238 (119,039)
Personal Lending        
Segment, Reconciliation of Other Items from Segments to Consolidated [Line Items]        
Contribution Profit 147,429 80,834 255,394 166,104
Borrower acquisition costs 57,249 21,231 102,390 44,425
Borrower verification and servicing costs 32,624 26,480 62,098 53,430
Personal Lending | Operating Segments        
Segment, Reconciliation of Other Items from Segments to Consolidated [Line Items]        
Contribution Profit 147,429 80,834 255,394 166,104
Other Contribution Profit/(Loss) (6,886) (4,717) (12,479) (8,845)
Sales and marketing, net of borrower acquisition costs (12,170) (9,741) (22,578) (20,072)
Customer operations, net of borrower verification and servicing costs (6,947) (7,486) (12,907) (14,787)
Engineering and product development (68,825) (58,453) (126,663) (121,544)
General, administrative, and other (64,573) (53,021) (125,131) (110,634)
Interest income, interest expense, and fair value adjustments, net 16,514 (2,902) 44,410 (13,176)
Other income, net 1,114 1,031 3,192 3,915
Net income (loss) before income taxes 5,656 (54,455) 3,238 (119,039)
Borrower acquisition costs 60,900 23,200 109,500 48,000
Borrower verification and servicing costs $ 39,300 $ 31,200 $ 73,800 $ 63,300