v3.26.1
Segment Information - Schedule of Reconciliation of Total Contribution Profit to Net Loss Before Income Taxes (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Segment Reporting [Line Items]        
Sales and marketing, net of borrower acquisition costs $ (114,512) $ (73,105) $ (218,967) $ (132,075)
Customer operations, net of borrower verification and servicing costs (61,319) (46,246) (116,414) (86,747)
Engineering and product development (93,860) (68,825) (173,972) (126,663)
General, administrative, and other (80,378) (64,573) (156,448) (125,131)
Interest income, interest expense, and fair value adjustments, net 16,689 16,514 47,840 44,410
Other income, net 2,514 1,114 3,470 3,192
Net income before income taxes 17,153 5,656 10,591 3,238
Unsecured Lending        
Segment Reporting [Line Items]        
Contribution Profit - Unsecured Lending 200,768 147,320 349,202 255,032
Borrower acquisition costs 84,712 57,249 165,091 102,390
Borrower verification and servicing costs 40,821 32,366 77,402 61,640
Unsecured Lending | Operating Segments        
Segment Reporting [Line Items]        
Contribution Profit - Unsecured Lending 200,768 147,320 349,202 255,032
Contribution Profit/(Loss) - Other Segments (7,637) (6,777) (18,797) (12,117)
Sales and marketing, net of borrower acquisition costs (12,228) (12,170) (24,426) (22,578)
Customer operations, net of borrower verification and servicing costs (8,715) (6,947) (16,278) (12,907)
Engineering and product development (93,860) (68,825) (173,972) (126,663)
General, administrative, and other (80,378) (64,573) (156,448) (125,131)
Interest income, interest expense, and fair value adjustments, net 16,689 16,514 47,840 44,410
Other income, net 2,514 1,114 3,470 3,192
Net income before income taxes 17,153 5,656 10,591 3,238
Borrower acquisition costs 102,300 60,900 194,500 109,500
Borrower verification and servicing costs $ 52,600 $ 39,300 $ 100,100 $ 73,800