v3.26.1
SEGMENTS - Segment Information Reconciled (Details) - USD ($)
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Segment Reporting Information [Line Items]      
Total Net Revenue $ 212,549,000 $ 173,355,000 $ 137,700,000
Impact of interest rates on fair value of loans held in consolidated trusts 21,000 1,386,000 2,629,000
Accelerated amortization of PWIT debt issuance costs   733,000 1,880,000
Segment Adjusted Net Revenue 212,570,000 175,474,000 142,209,000
Less: Segment Operating Expenses      
Compensation and Benefits 79,823,000 65,874,000 83,666,000
Marketing and Advertising 54,823,000 42,980,000 45,139,000
Transaction Costs 19,367,000 21,703,000 15,217,000
Other Expenses 29,143,000 27,856,000 28,815,000
Segment Adjusted EBITDA 29,414,000 17,061,000 (30,628,000)
Depreciation expense:      
Origination and Servicing (11,292,000) (9,199,000) (8,774,000)
General and Administrative - Other (836,000) (1,532,000) (2,108,000)
Amortization of intangibles   (85,000) (107,000)
Stock-based compensation (1,307,000) (1,616,000) (1,575,000)
Change in Fair Value of Convertible Preferred Stock Warrants (42,103,000) $ (46,208,000) (48,695,000)
Impairment, Long-Lived Asset, Held-for-Use, Statement of Income or Comprehensive Income [Extensible Enumeration]   Impairment of operating lease right-of-use assets  
Impairment of long-lived assets   $ (463,000)  
Impact of interest rates on fair value of loans held in consolidated trusts (21,000) (1,386,000) (2,629,000)
Interest income on cash and cash equivalents 2,942,000 3,322,000 2,473,000
Interest Expense on Term Loans (12,331,000) (13,124,000) (12,265,000)
Impairment of operating lease right-of-use assets 0 0 (196,000)
Accelerated amortization of PWIT and PWIIT debt issuance costs   (733,000) (1,880,000)
Net Loss Before Income Taxes (35,534,000) (53,963,000) (106,384,000)
Interest Income (Expense) Included in Segment Adjusted EBITDA      
Interest Income on Financial Instruments 81,904,000 89,849,000 115,663,000
Interest Expense on Financial Instruments (59,770,000) (73,826,000) (91,983,000)
Total Interest Income, Net Included in Segment Adjusted EBITDA 22,134,000 16,756,000 25,560,000
Personal Loan      
Segment Reporting Information [Line Items]      
Total Net Revenue 192,197,000 146,016,000 102,796,000
Impact of interest rates on fair value of loans held in consolidated trusts 21,000 1,386,000 2,629,000
Accelerated amortization of PWIT debt issuance costs   733,000 1,880,000
Segment Adjusted Net Revenue 192,218,000 148,135,000 107,305,000
Less: Segment Operating Expenses      
Compensation and Benefits 69,395,000 57,295,000 73,798,000
Marketing and Advertising 45,998,000 35,501,000 32,930,000
Transaction Costs 7,756,000 7,667,000 7,103,000
Other Expenses 28,316,000 27,463,000 27,984,000
Segment Adjusted EBITDA 40,753,000 20,209,000 (34,510,000)
Interest Income (Expense) Included in Segment Adjusted EBITDA      
Interest Income on Financial Instruments 57,032,000 84,968,000 115,663,000
Interest Expense on Financial Instruments (51,689,000) (72,509,000) (91,983,000)
Total Interest Income, Net Included in Segment Adjusted EBITDA 5,343,000 13,192,000 25,560,000
Credit Card      
Segment Reporting Information [Line Items]      
Total Net Revenue 20,352,000 27,339,000 34,904,000
Impact of interest rates on fair value of loans held in consolidated trusts 0 0 0
Accelerated amortization of PWIT debt issuance costs   0 0
Segment Adjusted Net Revenue 20,352,000 27,339,000 34,904,000
Less: Segment Operating Expenses      
Compensation and Benefits 10,428,000 8,579,000 9,868,000
Marketing and Advertising 8,825,000 7,479,000 12,209,000
Transaction Costs 11,611,000 14,036,000 8,114,000
Other Expenses 827,000 393,000 831,000
Segment Adjusted EBITDA (11,339,000) (3,148,000) 3,882,000
Interest Income (Expense) Included in Segment Adjusted EBITDA      
Interest Income on Financial Instruments 24,872,000 4,881,000 0
Interest Expense on Financial Instruments (8,081,000) (1,317,000) 0
Total Interest Income, Net Included in Segment Adjusted EBITDA $ 16,791,000 $ 3,564,000 $ 0