Trading Arrangements, by Individual
Trading Arrangements, by Individual [Table]
Trading Arrangement:
Trading Arrangement [Axis]
Maximum
Maximum [Member]
Title of 12(b) Security
Title of 12(b) Security
Net income per share, diluted
Net Income (Loss) Available to Common Stockholders, Diluted
Weighted average interest rate
Debt, Weighted Average Interest Rate
Adjustment to Compensation, Amount
Adjustment to Compensation Amount
Other assets at fair value
Other Assets, Fair Value Disclosure
Segment Reporting [Abstract]
Schedule of Expected Future Amortization Expense
Intangible Asset, Finite-Lived, and Capitalized Cost, Software to be Sold, Leased, or Marketed, Estimated Amortization Expense [Table Text Block]
Loan premium and loan trailing fees recognized
Loan Premium Fees and Loan Trailing Fees
Loan Premium Fees and Loan Trailing Fees
Accrued payroll
Employee-related Liabilities
10% adverse change
Sensitivity Analysis of Fair Value, Assets, Impact of 10 Percent Adverse Change in Expected Credit Loss Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 10 Percent Adverse Change in Expected Credit Loss Rates
Issuance of common stock upon settlement of RSUs (in shares)
Stock Issued During Period, Shares, Restricted Stock Award, Net of Forfeitures
Discount rate
Line Of Credit Receivable, Measurement Input
Line Of Credit Receivable, Measurement Input
Schedule of Assumptions for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Table]
Schedule of Assumptions for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Table]
Loan servicing assets
Loan servicing assets (at fair value)
Fair value of loan servicing assets
Fair value, beginning balance
Fair value, ending balance
Servicing Asset at Fair Value, Amount
Initial conversion price (in dollars per share)
Debt Instrument, Convertible, Conversion Price
Consolidated Entities [Axis]
Consolidated Entities [Axis]
Average cost (in dollars per share)
Shares Acquired, Average Cost Per Share
Entity Common Stock, Shares Outstanding
Entity Common Stock, Shares Outstanding
Issuances
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Issuances
Principal payments received for loans held-for-investment
Proceeds from Principal Repayment, Loan and Lease, Held-for-Investment
Loan sales fees
Loan Sales Fees [Member]
Loan Sales Fees
Leases [Abstract]
Consolidated Entities [Domain]
Consolidated Entities [Domain]
200 basis point increase
Sensitivity Analysis of Fair Value, Assets, Impact of 200 Basis Point Increase In Discount Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 200 Basis Point Increase In Discount Rates
Change in fair value of loans
Increase (Decrease) in Finance Receivables
Options granted (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Gross
Natalia Mirgorodskaya [Member]
Natalia Mirgorodskaya
Common stock, par value (in dollars per share)
Common Stock, Par or Stated Value Per Share
Intangible assets, net
Intangible Asset, Excluding Goodwill, after Accumulated Amortization
Beginning balance (in shares)
Ending balance (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number
Collateral
Debt Instrument, Collateral Amount
Outstanding Aggregate Erroneous Compensation Amount
Outstanding Aggregate Erroneous Compensation Amount
Number of reportable segments
Number of Reportable Segments
Net income before income taxes
Income (Loss) Attributable to Parent, before Tax
2027
Long-term and Short-term Debt, Maturity, Year One
Long-term and Short-term Debt, Maturity, Year One
Customer relationships
Customer Relationships [Member]
Loans Held-for- Sale
Loan Held For Sale [Member]
Loan Held For Sale
Entity Address, City or Town
Entity Address, City or Town
PRSUs granted (in shares)
RSUs and PRSUs granted (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Internally developed software
Software, Internally Developed and Purchased [Member]
Statement of Financial Position [Abstract]
Loans Held in Consolidated Securitization
Loans Held-for-Sale In Consolidated Securitization [Member]
Loans Held-for-Sale In Consolidated Securitization
Net Carrying Value
Intangible Asset, Finite-Lived, after Accumulated Amortization
Peer Group Total Shareholder Return Amount
Peer Group Total Shareholder Return Amount
Discount rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Discount Rate
Net proceeds related to stock-based award activities
Proceeds from Stock Plans
Stock repurchased and retired value
Stock Repurchased and Retired During Period, Value, Net Of Excise Tax
Stock Repurchased and Retired During Period, Value, Net Of Excise Tax
Fair Value, Inputs, Level 2
Fair Value, Inputs, Level 2 [Member]
Total Shareholder Return Vs Peer Group
Total Shareholder Return Vs Peer Group [Text Block]
Payable to investors
Repayment To Investors
Repayment To Investors
Non-Rule 10b5-1 Arrangement Terminated
Non-Rule 10b5-1 Arrangement Terminated [Flag]
Loans > 90 Days Past Due
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Revenue Benchmark
Revenue Benchmark [Member]
Accrued expenses and other liabilities at fair value
Accrued Expenses And Other Liabilities, Fair Value Disclosure
Accrued Expenses And Other Liabilities, Fair Value Disclosure
Dividend income
Dividend Income, Operating
Concentration Risk Type [Axis]
Concentration Risk Type [Axis]
Schedule of Long-Term Debt Instruments [Table]
Schedule of Long-Term Debt Instruments [Table]
Purchase period
Share-Based Compensation Arrangement By Share-based Payment Award, Purchase Period
Share-Based Compensation Arrangement By Share-based Payment Award, Purchase Period
Segment Reporting
Segment Reporting [Table Text Block]
Securities loaned, fair value of collateral
Securities Loaned, Fair Value of Collateral
Use of Estimates
Use of Estimates, Policy [Policy Text Block]
Assets held by institutional investor
Assets Held By Institutional Investor
Assets Held By Institutional Investor
Total payments due
Total
Outstanding borrowings
Long-Term And Short-Term Debt, Gross
Long-Term And Short-Term Debt, Gross
Schedule of Rollforward of Level 3 Liabilities
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]
Percentage of the last reported sale price
Debt Instrument, Convertible, Maximum Percentage Of Product Of Last Reported Sale Price And Conversion Rate
Debt Instrument, Convertible, Maximum Percentage Of Product Of Last Reported Sale Price And Conversion Rate
Conversion Period Two
Conversion Period Two [Member]
Conversion Period Two
Notes receivable and residual certificates (at fair value)
Notes receivable and residual certificates
Notes Receivable, Fair Value Disclosure
Schedule of Shares and Warrants Reserved for Issuance
Schedule of Class of Stock and Warrants or Rights [Table Text Block]
Schedule of Class of Stock and Warrants or Rights
Schedule of Future Minimum Lease Payments
Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block]
Supplemental disclosures of non-cash investing and financing activities
Cash Flow, Noncash Investing and Financing Activities Disclosure [Abstract]
Document Period End Date
Document Period End Date
Changes in accrued interest
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Changes In Accrued Interest
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Changes In Accrued Interest
Aggregate principal amount
Debt Instrument, Face Amount
2028
Lessee, Operating Lease, Liability, to be Paid, Year Two
Schedule of Borrowings [Line Items]
Schedule Of Borrowings [Line Items]
Schedule of Borrowings [Line Items]
Effective interest rate
Debt Instrument, Interest Rate, Effective Percentage
Proceeds from charged-off loans
Proceeds, Financing Receivable, Previously Written off, Recovery
Beneficial interest liabilities (at fair value)
Beneficial Interest Liability
Loans Held For Sale And Investment
Loans Held For Sale And Investment [Member]
Loans Held For Sale And Investment
Lessee, Lease, Description [Line Items]
Lessee, Lease, Description [Line Items]
Entity Shell Company
Entity Shell Company
Consolidation Items [Domain]
Consolidation Items [Domain]
Changes in fair value recorded in earnings
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Gain (Loss) Included in Earnings
Loans held-for-investment
Loans Held-For-Investment, Fair Value Disclosure
Loans Held-For-Investment, Fair Value Disclosure
Operating lease liability
Operating Lease, Liability, Current
Reclassification of loans
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Reclassification Of Loans
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Reclassification Of Loans
Net Income Per Share
Earnings Per Share [Text Block]
Earnings Per Share [Abstract]
Document Fiscal Period Focus
Document Fiscal Period Focus
Peer Group Issuers, Footnote
Peer Group Issuers, Footnote [Text Block]
Total liabilities
Liabilities
Liabilities
Trading Symbol
Trading Symbol
Discount rate
Measurement Input, Discount Rate [Member]
Risk retention financing facility
Risk Retention Financing Facility [Member]
Risk Retention Financing Facility
Purchases of property and equipment
Payments to Acquire Property, Plant, and Equipment
Repurchases of stock
Stock Repurchased During Period, Value, Adjustment
Stock Repurchased During Period, Value, Adjustment
Company Selected Measure Name
Company Selected Measure Name
Sale of Stock [Domain]
Sale of Stock [Domain]
Income Tax Disclosure [Abstract]
Credit Facility [Domain]
Credit Facility [Domain]
Cash flows from operating activities
Cash Provided by (Used in) Operating Activity, Including Discontinued Operation [Abstract]
Equity Valuation Assumption Difference, Footnote
Equity Valuation Assumption Difference, Footnote [Text Block]
Collection agency fees
Collection Agency Fees [Member]
Collection Agency Fees
Line of Credit Facility [Table]
Line of Credit Facility [Table]
Commissions (in Percent)
Sale Of Stock, Commissions Percentage
Sale Of Stock, Commissions Percentage
Principal payments made on securitization notes
Repayments of Accounts Receivable Securitization
Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]
Schedule of Share-Based Compensation Arrangements by Share-Based Payment Award [Table]
Fair value adjustments and realized gains (losses) on beneficial interests, net
Gain (Loss) On Beneficial Interests
Gain (Loss) On Beneficial Interests
2032 Notes
Twenty Thirty Two Notes [Member]
Twenty Thirty Two Notes
Weighted-average effect of dilutive securities (in shares)
Weighted Average Number of Shares Outstanding, Diluted, Adjustment
Schedule of Rollforward of Level 3 Assets
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]
Cash paid for amounts included in the measurement of lease liabilities
Operating Lease, Payments
Award Timing Predetermined
Award Timing Predetermined [Flag]
Aggregate intrinsic value of options exercised
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period, Intrinsic Value
Adjustment To PEO Compensation, Footnote
Adjustment To PEO Compensation, Footnote [Text Block]
Stock-based compensation expense
APIC, Share-Based Payment Arrangement, Increase for Cost Recognition
Effective tax rate
Effective Income Tax Rate Reconciliation, Percent
Initial conversion rate (in shares)
Debt Instrument, Convertible, Conversion Ratio
Debt Instrument Conversion [Axis]
Debt Instrument Conversion [Axis]
Debt Instrument Conversion
Stock options, RSUs, and ESPP (in shares)
Incremental Common Shares Attributable to Dilutive Effect of Share-Based Payment Arrangements
Consolidated securitization
Consolidated Securitization [Member]
Consolidated Securitization
Depreciation
Depreciation
Plan Name [Domain]
Plan Name [Domain]
Realized gain (loss) on sale of loans, net
Realized Gain (Loss) On Transfer Of Loans, Net
Realized Gain (Loss) On Transfer Of Loans, Net
Antidilutive Securities [Axis]
Antidilutive Securities [Axis]
Options outstanding (in dollars per share)
Options outstanding (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price
Operating lease right of use assets
Operating Lease, Right-of-Use Asset
Concentration Risk Type [Domain]
Concentration Risk Type [Domain]
Fair Value Disclosures [Abstract]
Debt Instrument, Name [Domain]
Debt Instrument, Name [Domain]
Expiration Date
Trading Arrangement Expiration Date
At The Market Offering Program
At The Market Offering Program [Member]
At The Market Offering Program
Customer B
Customer B [Member]
Customer B
Total interest income, interest expense, and fair value adjustments, net
Interest Income And Fair Value Adjustment, Net
Interest Income And Fair Value Adjustment, Net
Issuances
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Issuances
Maximum estimate of potential loss
Loss Contingency, Estimate of Possible Loss
Options exercisable (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Number
Aggregate Pension Adjustments Service Cost
Aggregate Pension Adjustments Service Cost [Member]
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table]
Antidilutive Security, Excluded EPS Calculation [Table]
Beneficial interest assets (at fair value)
Fair value, asset
Fair value of beneficial interest assets
Beneficial Interest Asset
Beneficial Interest Asset
Cash flows from investing activities
Cash Provided by (Used in) Investing Activity, Including Discontinued Operation [Abstract]
Trailing Fee Liabilities
Trailing Fee Liabilities [Member]
Trailing Fee Liabilities
Capitalized cost amortization term
Capitalized Contract Cost, Amortization Period
Segments [Domain]
Segments [Domain]
Thereafter
Long-term and Short-term Debt, Maturity, After Year Four
Long-term and Short-term Debt, Maturity, After Year Four
Interest income, interest expense, and fair value adjustments, net:
Revenue Not From Contract With Customer [Abstract]
Revenue Not From Contract With Customer
Customer A
Customer A [Member]
Customer A
Borrowings
Debt Disclosure [Text Block]
Commitment fee threshold
Line of Credit Facility, Unused Capacity, Commitment Fee Threshold, Percentage Of Borrowing Base
Line of Credit Facility, Unused Capacity, Commitment Fee Threshold, Percentage Of Borrowing Base
Contribution Profit/(Loss) - Other Segments
Contribution Profit, Other
Contribution Profit, Other
Commitments to fund future advances
Contractual Obligation
Loans (at fair value)
Loans (at fair value)
Financing receivable, after allowance for credit loss
Fair value
Financing Receivable, after Allowance for Credit Loss
PEO Actually Paid Compensation Amount
PEO Actually Paid Compensation Amount
Secured debt
Secured Debt [Member]
Schedule Of Beneficial Interest [Line Items]
Schedule Of Beneficial Interest [Line Items]
Schedule Of Beneficial Interest
Platform and referral fees, net
Platform And Referral Fees, Net [Member]
Platform And Referral Fees, Net
Stated interest rate
Debt Instrument, Interest Rate, Stated Percentage
Notes receivable and residual certificates (at fair value)
Notes Receivable And Residual Certificates [Member]
Notes Receivable And Residual Certificates
Total stockholders’ equity
Beginning balance
Ending balance
Net Assets
Equity, Attributable to Parent
Real Estate [Domain]
Real Estate [Domain]
Borrower verification and servicing costs
Borrower verification and servicing costs
Borrower Verification And Servicing Costs
Borrower Verification And Servicing Costs
Assets
Assets
Assets [Abstract]
Schedule of Key Terms for Capped Calls
Schedule Of Capped Calls [Table Text Block]
Schedule Of Capped Calls
Schedule of Collection Agency and Borrower Fees
Schedule Of Fees And Commissions [Table Text Block]
Schedule Of Fees And Commissions
Beneficial Interests [Abstract]
Beneficial Interests
Insider Trading Policies and Procedures [Line Items]
PRSUs outstanding
Unvested PRSUs
Performance Shares [Member]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Trailing fee liabilities
Trailing Fee Liability, Measurement Input
Trailing Fee Liability, Measurement Input
Balance Sheet Components
Supplemental Balance Sheet Disclosures [Text Block]
Financing Receivable Portfolio Segment [Domain]
Financing Receivable Portfolio Segment [Domain]
Loans Held-for-Investment
Loans Held For Investment [Member]
Loans Held For Investment
Number of operating segments
Number of Operating Segments
Total (in shares)
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount
Entity Central Index Key
Entity Central Index Key
Accumulated depreciation and amortization
Property, Plant, and Equipment, Accumulated Depreciation, Depletion, and Amortization
10% market-servicing rates increase
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Increase In Market-Servicing Rates
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Increase In Market-Servicing Rates
Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year
Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year [Member]
Change in fair value of other financial instruments
Increase (Decrease) in Other Financial Instruments Used in Operating Activities
Customer operations
Customer operations, net of borrower verification and servicing costs
Customer Operations Expense
Customer Operations Expense
Fair Value Hierarchy and NAV [Axis]
Fair Value Hierarchy and NAV [Axis]
Schedule of Stock Options Fair Value Assumptions
Schedule of Share-Based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]
Fair value of options vested during period
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested in Period, Fair Value
Number of Options
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding [Roll Forward]
Basis spread on variable rate
Debt Instrument, Basis Spread on Variable Rate
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
All Individuals
All Individuals [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Period of recognition
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition
Lease not yet commenced, initial lease term
Lessee, Operating Lease, Lease Not yet Commenced, Term of Contract
Statement [Line Items]
Statement [Line Items]
Beneficial Interests
Beneficial Interest Disclosure [Text Block]
Beneficial Interest Disclosure
Total assets
Total assets
Assets
Interest expense
Interest Expense, Operating
Shares reserved of common stock for issuance (in shares)
Common Stock, Capital Shares Reserved for Future Issuance
Convertible senior notes
Convertible Debt [Member]
Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity, Not Primary Beneficiary [Member]
Schedule of Employee Stock Purchase Plan Fair Value Assumptions
Schedule of Share-Based Payment Award, Employee Stock Purchase Plan, Valuation Assumptions [Table Text Block]
Operating Segments
Operating Segments [Member]
Weighted average grant date fair value (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value
Schedule of Stock-based Compensation Expense
Share-Based Payment Arrangement, Expensed and Capitalized, Amount [Table Text Block]
Non-marketable equity securities
Equity Securities without Readily Determinable Fair Value, Amount
Stockholders’ Equity
Share-Based Payment Arrangement [Text Block]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
PEO
PEO [Member]
Line of credit receivable
Line of Credit Receivable
Line Of Credit Receivable [Member]
Line Of Credit Receivable
Borrowings
Borrowings
Total borrowings
Debt, Long-Term and Short-Term, Combined Amount
Goodwill
Goodwill
Forgone Recovery due to Violation of Home Country Law, Amount
Forgone Recovery due to Violation of Home Country Law, Amount
Changes in fair value recorded in earnings
Servicing Liability At Fair Value, Repayments And Other Changes At Fair Value, Gain (Loss) Included In Earnings
Servicing Liability At Fair Value, Repayments And Other Changes At Fair Value, Gain (Loss) Included In Earnings
Accumulated Deficit
Retained Earnings [Member]
Beneficial interests obtained in connection with loan sales
Beneficial Interests Obtained In Connection With Loan Sale
Beneficial Interests Obtained In Connection With Loan Sale
Total operating expenses
Operating Expenses
Revolving Credit Facility
Revolving Credit Facility [Member]
Net gain on servicing rights and fair value adjustments
Gain (Loss) On Servicing Rights And Fair Value Adjustments
Gain (Loss) On Servicing Rights And Fair Value Adjustments
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock, outstanding (in shares)
Beginning balance (in shares)
Ending balance (in shares)
Common Stock, Shares, Outstanding
Award Timing Disclosures [Line Items]
Schedule of Assets and Liabilities Measured at Fair Value
Fair Value, by Balance Sheet Grouping [Table Text Block]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due [Line Items]
Net income per share, diluted (in dollars per share)
Net income per share, diluted (in dollars per share)
Earnings Per Share, Diluted
Expected volatility, maximum
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Volatility Rate, Maximum
2030
Long-term and Short-term Debt, Maturity, Year Four
Long-term and Short-term Debt, Maturity, Year Four
Intangible Asset, Finite-Lived [Line Items]
Intangible Asset, Finite-Lived [Line Items]
Line of credit receivable (at fair value)
Line of credit receivable
Line Of Credit Receivable, Fair Value Disclosure
Line Of Credit Receivable, Fair Value Disclosure
Proceeds from borrowings
Proceeds from Long-Term Lines of Credit
Share-Based Payment Arrangement [Abstract]
Origination fees
Revenue from Contract with Customer, Excluding Assessed Tax
Net fair value and accrued interest adjustments
Financing Receivable, Allowance for Credit Loss
Restricted cash
Restricted Cash [Member]
Restricted Cash
Repurchases of stock
Stock Repurchased During Period, Value
Equity Awards Adjustments, Footnote
Equity Awards Adjustments, Footnote [Text Block]
Sale of loans
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Sales
Risk free rate, minimum
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Risk Free Interest Rate, Minimum
Credit risk rate
Measurement Input, Entity Credit Risk [Member]
Payable to securitization note holders
Payables To Securitization Note Holders, Measurement Input
Payables To Securitization Note Holders, Measurement Input
Schedule of Maturities of All Borrowings
Schedule of Maturities of Long-Term Debt [Table Text Block]
Issuance of line of credit receivable
Issuance Of Line Of Credit Receivable
Issuance Of Line Of Credit Receivable
Sale of Stock [Axis]
Sale of Stock [Axis]
Weighted-Average Remaining Contractual Life (years)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Additional Disclosures [Abstract]
Income from operations
Operating Income (Loss)
Beneficial interest liabilities (derivatives)
Beneficial Interest Liabilities [Member]
Beneficial Interest Liabilities
Upstart Small Dollar Loan Trust
Upstart Small Dollar Loan Trust [Member]
Upstart Small Dollar Loan Trust
Rule 10b5-1 Arrangement Adopted
Rule 10b5-1 Arrangement Adopted [Flag]
Warehouse credit facilities
Warehouse Credit Facility [Member]
Warehouse Credit Facility
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Common stock, issued (in shares)
Common Stock, Shares, Issued
Operating lease liability and right-of-use asset
Increase (Decrease) In Operating Lease Liability And Right of Use Asset
Increase (Decrease) In Operating Lease Liability And Right of Use Asset
Fair value, beginning balance
Fair value, ending balance
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value
Product and Service [Domain]
Product and Service [Domain]
Class of Stock [Line Items]
Class of Stock [Line Items]
Settlements of beneficial interest liabilities, net
Payments On Beneficial Interest Liabilities
Payments On Beneficial Interest Liabilities
Disaggregation of Revenue [Table]
Disaggregation of Revenue [Table]
Variable Interest Entity [Line Items]
Variable Interest Entity [Line Items]
Compensation Actually Paid vs. Other Measure
Compensation Actually Paid vs. Other Measure [Text Block]
2029
Lessee, Operating Lease, Liability, to be Paid, Year Three
Termination Date
Trading Arrangement Termination Date
Trailing fee liability (at fair value)
Trailing Fee Liability At Fair Value, Amount
Trailing Fee Liability At Fair Value, Amount
Subsequent Events [Abstract]
Compensation Actually Paid vs. Total Shareholder Return
Compensation Actually Paid vs. Total Shareholder Return [Text Block]
Borrower fees
Borrower Fees [Member]
Borrower Fees
Loan Servicing Liabilities
Loan Servicing Liabilities [Member]
Loan Servicing Liabilities
Fair Value as of Grant Date
Award Grant Date Fair Value
Redemption price (in percent)
Debt Instrument, Redemption Price, Percentage
10% adverse change
Sensitivity Analysis of Fair Value, Assets, Impact of 10 Percent Adverse Change in Expected Prepayment Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 10 Percent Adverse Change in Expected Prepayment Rates
Pay vs Performance Disclosure, Table
Pay vs Performance [Table Text Block]
Stock repurchase program, remaining authorized repurchase amount
Share Repurchase Program, Remaining Authorized, Amount
Additions
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Additions
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Additions
Arrangement Duration
Trading Arrangement Duration
Payable to securitization note holders (at fair value)
Payable to securitization note holders
Payable To Securitization Note Holders, At Fair Value
Payable To Securitization Note Holders, At Fair Value
Consolidation Items [Axis]
Consolidation Items [Axis]
Entity Address, Postal Zip Code
Entity Address, Postal Zip Code
Entity Registrant Name
Entity Registrant Name
Schedule of Performance-Based Restricted Stock Units
Share-Based Payment Arrangement, Performance Shares, Activity [Table Text Block]
Insider Trading Policies and Procedures Not Adopted
Insider Trading Policies and Procedures Not Adopted [Text Block]
Options vested and expected to vest
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Outstanding, Aggregate Intrinsic Value
Gross Carrying Value
Intangible Asset, Finite-Lived, before Accumulated Amortization
Total revenue
Revenues
Other Assets [Abstract]
Unrealized loss on loans, loan charge-offs, and other fair value adjustments, net
Unrealized Gain (Loss), Charge-Offs, And Other Fair Value Adjustments, Net
Unrealized Gain (Loss), Charge-Offs, And Other Fair Value Adjustments, Net
Forgone Recovery due to Expense of Enforcement, Amount
Forgone Recovery due to Expense of Enforcement, Amount
Proceeds from beneficial interest assets (derivatives)
Proceeds From Beneficial Interest Assets, Operating Activities
Proceeds From Beneficial Interest Assets, Operating Activities
Award vesting period
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period
Furniture and fixtures
Furniture and Fixtures [Member]
Intangible Asset, Finite-Lived, Class [Domain]
Intangible Asset, Finite-Lived, Class [Domain]
Options exercisable
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Weighted-Average Remaining Contractual Term
Award Type [Domain]
Award Type [Domain]
Remaining 2026
Lessee, Operating Lease, Liability, to be Paid, Remainder of Fiscal Year
Fair Value Measurement
Fair Value Disclosures [Text Block]
Fair Value, Inputs, Level 3
Fair Value, Inputs, Level 3 [Member]
Expected term (in years)
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Term
2027
Intangible Asset, Finite-Lived, Estimated Amortization Expense, Year One
Schedule of Servicing Liabilities at Fair Value Rollforward
Schedule of Servicing Liabilities at Fair Value [Table Text Block]
Conversion price maximum threshold
Debt Instrument, Convertible, Threshold Percentage of Stock Price Trigger
Restricted cash
Restricted cash
Restricted Cash
HELOCs
Home Equity Line of Credit [Member]
Other assets (includes $41,166 and $54,946 at fair value as of December 31, 2025 and June 30, 2026, respectively)
Other assets (includes $225 and $104 at fair value as of December 31, 2025 and June 30, 2026, respectively)
Total other assets
Other Assets
Interest expense
Interest Expense, Debt
Liability Class [Axis]
Liability Class [Axis]
Lessee, Lease, Description [Table]
Lessee, Lease, Description [Table]
Cash, cash equivalents and restricted cash at beginning of period
Cash, cash equivalents and restricted cash at end of period
Total cash, cash equivalents and restricted cash
Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Continuing Operation
Schedule of Finite-Lived Intangible Assets [Table]
Intangible Asset, Finite-Lived [Table]
Loans on non-accrual status
Financing Receivable, Threshold Period Past Due
Non-NEOs
Non-NEOs [Member]
2028
Intangible Asset, Finite-Lived, Estimated Amortization Expense, Year Two
Aggregate Intrinsic Value
Share Based Compensation Arrangement By Share Based Payment Award Options Aggregate Intrinsic Value [Abstract]
Share Based Compensation Arrangement By Share Based Payment Award Options Aggregate Intrinsic Value
Schedule of Aggregate Principal Outstanding of All Debt
Schedule of Debt [Table Text Block]
Customer [Domain]
Customer [Domain]
Leases
Lessee, Operating Leases [Text Block]
Long-term Debt, Type [Domain]
Long-Term Debt, Type [Domain]
Repurchases of stock
Payments for Repurchase of Common Stock
Auto Loans
Auto Loans [Member]
Auto Loans
Statistical Measurement [Axis]
Statistical Measurement [Axis]
Credit risk rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Expected Credit Losses
Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets [Table]
Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets [Table]
Beneficial interests
Beneficial Interests, Net [Member]
Beneficial Interests, Net
Award Type [Axis]
Award Type [Axis]
Named Executive Officers, Footnote
Named Executive Officers, Footnote [Text Block]
Accumulated deficit
Retained Earnings (Accumulated Deficit)
Product and Service [Axis]
Product and Service [Axis]
Trading days
Debt Instrument, Convertible, Threshold Trading Days
Awards Close in Time to MNPI Disclosures
Awards Close in Time to MNPI Disclosures [Table]
Common Stock
Common Stock [Member]
Rent expense
Operating Lease, Cost
Dividend yield
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Dividend Rate
Trailing fee liabilities
Trailing Fee Liabilities, Fair Value Disclosure
Trailing Fee Liabilities, Fair Value Disclosure
Thereafter
Finite-Lived Intangible Asset, Expected Amortization, after Year Four
Finite-Lived Intangible Asset, Expected Amortization, after Year Four
Interest expense
Interest Expense, Debt, Excluding Amortization
Concentration Risk Benchmark [Axis]
Concentration Risk Benchmark [Axis]
Other consolidated VIEs
Other Variable Interest Entities [Member]
Other Variable Interest Entities
Schedule of Convertible Debt
Convertible Debt [Table Text Block]
Total liabilities and stockholders’ equity
Liabilities and Equity
Variable lease payments
Variable Lease, Cost
Options issued and outstanding
Options to purchase common stock
Share-Based Payment Arrangement, Option [Member]
Purchases and originations of loans
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases
Schedule of Servicing Assets at Fair Value [Table]
Servicing Asset at Fair Value, Activity [Table]
Segments [Axis]
Segments [Axis]
Additional 402(v) Disclosure
Additional 402(v) Disclosure [Text Block]
Asset Class [Axis]
Asset Class [Axis]
Tabular List, Table
Tabular List [Table Text Block]
Additional paid-in capital
Additional Paid in Capital
Change in fair value of servicing assets
Increase (Decrease) In Fair Value Of Servicing Assets
Increase (Decrease) In Fair Value Of Servicing Assets
Deposits
Deposits Assets
2029
Intangible Asset, Finite-Lived, Estimated Amortization Expense, Year Three
Convertible senior notes (in shares)
Incremental Common Shares Attributable to Dilutive Effect of Conversion of Debt Securities
Remaining 2026
Intangible Asset, Finite-Lived, Estimated Amortization Expense, Remainder of Fiscal Year
Name
Awards Close in Time to MNPI Disclosures, Individual Name
Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested
Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested [Member]
Balances aggregate intrinsic value
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Intrinsic Value
Long-Lived Asset, Class [Domain]
Long-Lived Asset, Class [Domain]
Fair Value by Liability Class [Domain]
Fair Value by Liability Class [Domain]
Financing Receivable Portfolio Segment [Axis]
Financing Receivable Portfolio Segment [Axis]
Hybrid Instruments
Hybrid Instrument [Member]
Property, Plant, and Equipment [Table]
Property, Plant, and Equipment [Table]
Adjustment to Compensation:
Adjustment to Compensation [Axis]
Rule 10b5-1 Arrangement Terminated
Rule 10b5-1 Arrangement Terminated [Flag]
Aggregate Erroneous Compensation Amount
Aggregate Erroneous Compensation Amount
Cash paid for interest
Interest Paid, Excluding Capitalized Interest, Operating Activity
Credit Facility [Axis]
Credit Facility [Axis]
Total assets
Assets, Fair Value Disclosure
Name
Measure Name
Pay vs Performance Disclosure [Line Items]
Fair Value Hierarchy and NAV [Domain]
Fair Value Hierarchy and NAV [Domain]
Debt Instrument [Line Items]
Debt Instrument [Line Items]
Additional Paid-in Capital
Additional Paid-in Capital [Member]
Purchases and originations of loans held-for-investment
Payment for Acquisition, Loan, Held-for-Investment
Goodwill impairment charges
Goodwill, Impairment Loss
Accrued expenses
Accrued Liabilities
Name
Trading Arrangement, Individual Name
Unrecognized stock-based compensation expense
Share-Based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount
Cash and cash equivalents
Cash and cash equivalents
Cash and Cash Equivalent
Capitalized software costs
Payments for Software
Company Selected Measure Amount
Company Selected Measure Amount
Depreciation and amortization
Depreciation, Depletion and Amortization
Options vested and expected to vest
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Remaining Contractual Term
Weighted-average remaining lease term (in years)
Operating Lease, Weighted Average Remaining Lease Term
Non-PEO NEO
Non-PEO NEO [Member]
Customer Concentration Risk
Customer Concentration Risk [Member]
Loan purchase obligation
Purchase Obligation
Award Timing Method
Award Timing Method [Text Block]
Change in cash, cash equivalents and restricted cash
Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Period Increase (Decrease), Including Exchange Rate Effect and Discontinued Operation
Forgone Recovery, Explanation of Impracticability
Forgone Recovery, Explanation of Impracticability [Text Block]
Expected volatility, minimum
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Volatility Rate, Minimum
Net income
Net income
Net Income (Loss) Attributable to Parent
Long-term Debt, Type [Axis]
Long-Term Debt, Type [Axis]
Erroneous Compensation Analysis
Erroneous Compensation Analysis [Text Block]
Initial Strike Price per Share, Subject to Certain Adjustments (in dollars per share)
Debt Instrument, Convertible, Capped Calls Initial Strike Price
Debt Instrument, Convertible, Capped Calls Initial Strike Price
Location, Statement of Financial Position, Balance [Axis]
Location, Statement of Financial Position, Balance [Axis]
Financing Receivable, Past Due [Table]
Financing Receivable, Past Due [Table]
Restatement Determination Date:
Restatement Determination Date [Axis]
Options exercisable, weighted average exercise price per share (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Weighted Average Exercise Price
Consecutive trading days
Debt Instrument, Convertible, Threshold Consecutive Trading Days
Line of Credit Receivable and Beneficial Interest Asset
Line Of Credit Receivable And Beneficial Interest Asset [Member]
Line Of Credit Receivable And Beneficial Interest Asset
Schedule of Other Assets
Schedule of Other Assets [Table Text Block]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table]
Revenue:
Revenues [Abstract]
Pension Benefits Adjustments, Footnote
Pension Benefits Adjustments, Footnote [Text Block]
Add: Dilutive effect of convertible senior notes, net
Dilutive Securities, Effect on Basic Earnings Per Share, Dilutive Convertible Securities
Numerator:
Net Income (Loss) Available to Common Stockholders, Diluted [Abstract]
2028
Long-term and Short-term Debt, Maturity, Year Two
Long-term and Short-term Debt, Maturity, Year Two
Statistical Measurement [Domain]
Statistical Measurement [Domain]
Document Fiscal Year Focus
Document Fiscal Year Focus
Customer D
Customer D [Member]
Customer D
Number of Shares
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Customer [Axis]
Customer [Axis]
Common stock, $0.0001 par value; 700,000,000 shares authorized; 98,033,361 and 97,306,813 shares issued and outstanding as of December 31, 2025 and June 30, 2026, respectively
Common Stock, Value, Issued
2027
Lessee, Operating Lease, Liability, to be Paid, Year One
Schedule of Restricted Stock Units and Restricted Stock
Share-Based Payment Arrangement, Restricted Stock and Restricted Stock Unit, Activity [Table Text Block]
Restatement Determination Date
Restatement Determination Date
Consolidated warehouse entities
Consolidated Warehouse Entities [Member]
Consolidated Warehouse Entities
Schedule of Effective Tax Rates
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]
Options vested and expected to vest, weighted average exercise price per share (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Exercise Price
Amendment Flag
Amendment Flag
Schedule of Beneficial Interests
Schedule Of Beneficial Interests [Table Text Block]
Schedule Of Beneficial Interests
Loss Contingencies [Table]
Loss Contingencies [Table]
Proceeds from beneficial interest assets (hybrid instruments)
Proceeds From Beneficial Interest Assets, Investing Activities
Proceeds From Beneficial Interest Assets, Investing Activities
Servicing Asset at Fair Value, Amount [Roll Forward]
Servicing Asset at Fair Value, Amount [Roll Forward]
Adjustment to Non-PEO NEO Compensation Footnote
Adjustment to Non-PEO NEO Compensation Footnote [Text Block]
Entity Address, State or Province
Entity Address, State or Province
PEO Total Compensation Amount
PEO Total Compensation Amount
Assets
Assets, Fair Value Disclosure [Abstract]
Accrued expenses and other liabilities
Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities
Weighted-average number of shares outstanding used in computing net income per share, basic (in shares)
Weighted-average common shares outstanding used to calculate net income per share, basic (in shares)
Weighted Average Number of Shares Outstanding, Basic
Loss Contingencies [Line Items]
Loss Contingencies [Line Items]
2030
Lessee, Operating Lease, Liability, to be Paid, Year Four
Other changes
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Other Increase (Decrease)
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Other Increase (Decrease)
2026 Notes
Twenty Twenty Six Notes [Member]
Twenty Twenty Six Notes
Immediate resale of loans
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Immediate Resale to Investors
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Immediate Resale to Investors
Award Timing MNPI Disclosure
Award Timing MNPI Disclosure [Text Block]
Unsecured Lending
Unsecured Lending Segment [Member]
Unsecured Lending Segment
RSUs vested (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period
Class of Stock [Axis]
Class of Stock [Axis]
Basis of Presentation
Basis of Accounting, Policy [Policy Text Block]
Gross debt issuance cost
Debt Issuance Costs, Gross
Net income attributable to common stockholders
Net Income (Loss) Available to Common Stockholders, Basic
Scott Darling [Member]
Scott Darling
Accumulated Amortization
Intangible Asset, Finite-Lived, Accumulated Amortization
Receivable [Domain]
Receivable [Domain]
Total borrowing capacity
Maximum borrowing capacity
Line of Credit Facility, Maximum Borrowing Capacity
Schedule of Servicing Assets at Fair Value Rollforward
Schedule of Servicing Assets at Fair Value [Table Text Block]
Personal Loans
Personal Loans [Member]
Personal Loans
Shares available for future issuance under 2020 plan
2020 Equity Incentive Plan [Member]
2020 Equity Incentive Plan
Capitalized stock-based compensation expense
Share-Based Payment Arrangement, Amount Capitalized
Recently Adopted Accounting Pronouncements and Recently Issued Accounting Pronouncements
New Accounting Pronouncements, Policy [Policy Text Block]
Schedule of Accrued Expenses and Other Liabilities
Schedule of Accrued Liabilities [Table Text Block]
Interest rate caps
Interest Rate Derivative Assets, at Fair Value
Net Carrying Amount
Long-Term Debt
Net changes in operating assets and liabilities:
Adjustment to Reconcile Net Income to Cash Provided by (Used in) Operating Activity, Increase (Decrease) in Operating Capital [Abstract]
Options cancelled and forfeited (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Forfeitures and Expirations in Period
Net cash provided by (used in) investing activities
Cash Provided by (Used in) Investing Activity, Including Discontinued Operation
Equity Awards Adjustments, Excluding Value Reported in Compensation Table
Equity Awards Adjustments, Excluding Value Reported in the Compensation Table [Member]
Security Exchange Name
Security Exchange Name
Servicing and other fees, net
Servicing Fees, Net [Member]
Servicing Fees, Net
Options granted (in dollars per share)
Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Grants in Period, Weighted Average Exercise Price
Loan premium amortization
Amortization Of Loan Premium
Amortization Of Loan Premium
Outstanding principal balance
Financing Receivable, before Allowance for Credit Loss
Valuation Approach and Technique [Axis]
Valuation Approach and Technique [Axis]
Expected credit loss rates on underlying loans
Expected Credit Loss Rate [Abstract]
Expected Credit Loss Rate
Total liabilities
Liabilities, Fair Value Disclosure
Loan servicing liabilities
Loan servicing liabilities (at fair value)
Fair value, beginning balance
Fair value, ending balance
Servicing Liability at Fair Value, Amount
Schedule of Property, Equipment, and Software
Property, Plant, and Equipment [Table Text Block]
Schedule of Fair Value by Classes of Loans Held by the Company
Fair Value, Assets Measured on Recurring and Nonrecurring Basis [Table Text Block]
Name
Outstanding Recovery, Individual Name
Award Timing, How MNPI Considered
Award Timing, How MNPI Considered [Text Block]
Variable Interest Entities and Consolidated Securitization
Consolidation, Variable Interest Entity, Policy [Policy Text Block]
Schedule of Components of Interest Income and Fair Value Adjustments, Net
Interest Income and Interest Expense Disclosure [Table Text Block]
Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year
Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year [Member]
Pension Adjustments Prior Service Cost
Pension Adjustments Prior Service Cost [Member]
Unrecognized stock-based compensation expense related to unvested stock options
Share-Based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount
Loans held in consolidated securitization
Securitized Loans, Measurement Input
Securitized Loans, Measurement Input
Issuance of line of credit receivable
Payments to Acquire Finance Receivables
10% adverse change
Sensitivity Analysis of Fair Value, Liabilities, Impact of 10 Percent Adverse Change in Expected Credit Loss Rates
Sensitivity Analysis of Fair Value, Liabilities, Impact of 10 Percent Adverse Change in Expected Credit Loss Rates
Principal Amount
Long-Term Debt, Gross
Principal payments received for loans held-for-sale
Proceeds from Collection, Loan, Held-for-Sale
Asset Class [Domain]
Asset Class [Domain]
Compensation Amount
Outstanding Recovery Compensation Amount
Individual:
Individual [Axis]
Weighted-average number of shares outstanding used in computing net income per share, diluted (in shares)
Weighted-average common shares outstanding used to calculate net income per share, diluted (in shares)
Weighted Average Number of Shares Outstanding, Diluted
Servicing Liabilities at Fair Value [Line Items]
Servicing Liabilities at Fair Value [Line Items]
Disaggregation of Revenue [Line Items]
Disaggregation of Revenue [Line Items]
Entity Emerging Growth Company
Entity Emerging Growth Company
Underlying Security Market Price Change
Underlying Security Market Price Change, Percent
20% adverse change
Sensitivity Analysis of Fair Value, Assets, Impact of 20 Percent Adverse Change in Expected Prepayment Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 20 Percent Adverse Change in Expected Prepayment Rates
Less: Present value adjustment
Lessee, Operating Lease, Liability, Undiscounted Excess Amount
Subscription agreements term
Subscription Agreements Term
Subscription Agreements Term
Prepaid expenses
Prepaid Expense
2030 Notes
Twenty Thirty Notes [Member]
Twenty Thirty Notes
Maximum Exposure to Losses
Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount
Schedule Of Beneficial Interest [Table]
Schedule Of Beneficial Interest [Table]
Schedule Of Beneficial Interest
Revenue from Contract with Customer [Abstract]
Intangible Asset, Goodwill and Other [Abstract]
Sale of loans
Servicing Asset at Fair Value, Additions
Other assets
Other Assets, Miscellaneous
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Total undiscounted lease payments
Lessee, Operating Lease, Liability, to be Paid
Proceeds from sale of loans held-for-sale
Proceeds from Sale, Loan, Held-for-Sale
Schedule of Fair Value Sensitivity of Loan Servicing Assets and Liabilities to Adverse Changes in Key Assumptions
Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets [Table Text Block]
Beginning balance (in dollars per share)
Ending balance (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value
Obligation to Repurchase Loans
Obligation to Repurchase Receivables Sold [Member]
Securities retained under unconsolidated securitization transactions
Securities Retained Under Unconsolidated Securitization Transactions
Securities Retained Under Unconsolidated Securitization Transactions
All Executive Categories
All Executive Categories [Member]
Valuation Approach and Technique [Domain]
Valuation Approach and Technique [Domain]
Pension Adjustments Service Cost
Pension Adjustments Service Cost [Member]
Repayments of borrowings
Repayments of Long-Term Lines of Credit
Internally developed software impairment
Tangible Asset Impairment Charges
Cash, cash equivalents and restricted cash
Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Continuing Operation [Abstract]
Sales and marketing
Sales and marketing, net of borrower acquisition costs
Selling and Marketing Expense
Repayments and settlements
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements
Schedule of Earnings Per Share, Basic and Diluted
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]
Risk free rate, maximum
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Risk Free Interest Rate, Maximum
Debt Disclosure [Abstract]
Segment Information
Segment Reporting [Text Block]
20% adverse change
Sensitivity Analysis of Fair Value, Liabilities, Impact of 20 Percent Adverse Change in Expected Credit Loss Rates
Sensitivity Analysis of Fair Value, Liabilities, Impact of 20 Percent Adverse Change in Expected Credit Loss Rates
Minimum
Minimum [Member]
Servicing Assets at Fair Value [Line Items]
Servicing Assets at Fair Value [Line Items]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]
Schedule of Disaggregation of Revenue by Type of Service
Disaggregation of Revenue [Table Text Block]
Variable Interest Entities
Variable Interest Entity Disclosure [Text Block]
Liabilities:
Liabilities
Liabilities [Abstract]
Denominator:
Weighted Average Number of Shares Outstanding Reconciliation [Abstract]
Income Statement Location [Axis]
Location, Statement of Income, Balance [Axis]
Non-Rule 10b5-1 Arrangement Adopted
Non-Rule 10b5-1 Arrangement Adopted [Flag]
Discount rates
Discount Rate [Abstract]
Discount Rate
Options outstanding
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted-Average Remaining Contractual Term
Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table
Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Derivatives
Derivative [Member]
Accrued interest income
Financing Receivable, Accrued Interest, after Allowance for Credit Loss
Other liabilities
Other Liabilities
Loans receivable
Loans Receivable, Measurement Input
Loans Receivable, Measurement Input
Common stock, authorized (in shares)
Common Stock, Shares Authorized
Beneficial interest liabilities
Beneficial Interest, Liability, Measurement Input
Beneficial Interest, Liability, Measurement Input
Prepayment rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Prepayment Speed
Exercise Price
Award Exercise Price
Segment Reporting [Line Items]
Segment Reporting [Line Items]
Authorized share repurchase amount
Share Repurchase Program, Authorized, Amount
Remaining 2026
Long-term and Short-term Debt, Maturity, Remainder Of Fiscal Year
Long-term and Short-term Debt, Maturity, Remainder Of Fiscal Year
Purchases and originations of loans held-for-sale
Payment for Purchase, Loan, Held-for-Sale
Document Quarterly Report
Document Quarterly Report
Beneficial interest assets
Beneficial Interest, Asset, Measurement Input
Beneficial Interest, Asset, Measurement Input
Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested
Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-Based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Repayments of line of credit receivable
Proceeds from Collection of Finance Receivables
Conversion Period One
Conversion Period One [Member]
Conversion Period One
20% market-servicing rates increase
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Increase In Market-Servicing Rates
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Increase In Market-Servicing Rates
Awards Close in Time to MNPI Disclosures, Table
Awards Close in Time to MNPI Disclosures [Table Text Block]
Change in fair value of beneficial interest assets
Increase (Decrease) In Fair Value Of Beneficial Interest Assets
Increase (Decrease) In Fair Value Of Beneficial Interest Assets
Equity Component [Domain]
Equity Component [Domain]
Measurement Input Type [Domain]
Measurement Input Type [Domain]
Fair value adjustments and realized gains (losses) on beneficial interests, net
Charge-offs and changes in fair value recorded in earnings
Charge-offs and changes in fair value recorded in earnings
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings
Loans
Total assets
Fair value of loans held-for-sale and held-for-investment
Loans Receivable, Fair Value Disclosure
Adoption Date
Trading Arrangement Adoption Date
Schedule of Share-Based Payment Award, Performance Restricted Stock Units, Valuation Assumptions
Schedule of Share-Based Payment Award, Performance Restricted Stock Units, Valuation Assumptions [Table Text Block]
Schedule of Share-Based Payment Award, Performance Restricted Stock Units, Valuation Assumptions
Counterparty Name [Domain]
Counterparty Name [Domain]
Schedule of Borrowings [Table]
Schedule Of Borrowings [Table]
Schedule of Borrowings [Table]
Customer E
Customer E [Member]
Customer E
Title
Trading Arrangement, Individual Title
Forgone Recovery due to Disqualification of Tax Benefits, Amount
Forgone Recovery due to Disqualification of Tax Benefits, Amount
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Accounting Policies [Abstract]
Restatement does not require Recovery
Restatement Does Not Require Recovery [Text Block]
Risk-free interest rate
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Risk Free Interest Rate
Operating lease liabilities
Operating lease liabilities
Operating Lease, Liability
Beginning balance (in shares)
Ending balance (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Number
Interest income
Interest income
Interest Income, Operating
Insider Trading Policies and Procedures Adopted
Insider Trading Policies and Procedures Adopted [Flag]
Loans (at fair value)
Loans Receivable [Member]
Customer C
Customer C [Member]
Customer C
Fair value, liability
Beneficial interest liabilities
Beneficial Interest Liabilities
Beneficial Interest Liabilities
Revenue from fees, net
Total revenue from fees, net
Revenue From Fees, Net
Revenue From Fees, Net
Options cancelled and forfeited (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Forfeitures and Expirations in Period, Weighted Average Exercise Price
Commitments and Contingencies
Commitments and Contingencies Disclosure [Text Block]
Compensation Actually Paid vs. Net Income
Compensation Actually Paid vs. Net Income [Text Block]
Schedule of Servicing Liabilities at Fair Value [Table]
Servicing Liability at Fair Value, Activity [Table]
Financial Asset, Period Past Due [Domain]
Financial Asset, Aging [Domain]
RSUs outstanding
Unvested RSUs
Restricted Stock Units (RSUs) [Member]
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table Text Block]
Weighted Average
Weighted Average [Member]
All Adjustments to Compensation
All Adjustments to Compensation [Member]
Net cash used in operating activities
Cash Provided by (Used in) Operating Activity, Including Discontinued Operation
Accounts Receivable
Accounts Receivable [Member]
Income Statement [Abstract]
Stockholders’ equity:
Equity, Attributable to Parent [Abstract]
Issuance of common stock under ESPP (in shares)
Stock Issued During Period, Shares, Employee Stock Purchase Plans
Document Transition Report
Document Transition Report
Operating expenses:
Operating Expenses [Abstract]
Principal payments received for notes receivable and repayments of residual certificates
Proceeds from Collection of Notes Receivable
Stock Appreciation Rights (SARs)
Stock Appreciation Rights (SARs) [Member]
Schedule of Acquired Intangible Assets
Intangible Asset, Finite-Lived [Table Text Block]
City Area Code
City Area Code
Other fees
Other Fees [Member]
Other Fees
Convertible senior notes
Convertible Debt Securities [Member]
Subsequent Events
Subsequent Events [Text Block]
Fair Value
Debt Instrument, Fair Value Disclosure
Name
Forgone Recovery, Individual Name
Non-GAAP Measure Description
Non-GAAP Measure Description [Text Block]
Weighted-Average Grant Date Fair Value Per Share
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]
100 basis point increase
Sensitivity Analysis of Fair Value, Assets, Impact of 100 Basis Point Increase In Discount Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 100 Basis Point Increase In Discount Rates
Loss contingency, ownership loan facilitated term
Loss Contingency, Ownership Loan Facilitated Term
Loss Contingency, Ownership Loan Facilitated Term
Contribution Profit for Unsecured Lending
Contribution Profit - Unsecured Lending
Contribution Profit
Contribution Profit
Issuance of common stock under ESPP
Stock Issued During Period, Value, Employee Stock Purchase Plan
Proceeds from convertible notes issuance, net of debt issuance costs paid to lender
Proceeds from Convertible Debt
Other assets
Increase (Decrease) in Other Operating Assets
Shares issued (in shares)
Stock Issued During Period, Shares, New Issues
Beneficial Interests
Beneficial Interests [Member]
Beneficial Interests
Stock-based compensation expense
Share-Based Payment Arrangement, Expense
Stock repurchased and retired (in shares)
Stock Repurchased and Retired During Period, Shares
Proceeds from sale of loans held-for-investment
Proceeds from Sale, Loan, Held-for-Investment
Issuance of common stock upon exercise of stock options (in shares)
Options exercised (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
RSUs and PRSUs granted (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value
Schedule of Sensitivity Analysis of Fair Value
Schedule of Sensitivity Analysis of Fair Value [Table Text Block]
Schedule of Sensitivity Analysis of Fair Value
2029
Long-term and Short-term Debt, Maturity, Year Three
Long-term and Short-term Debt, Maturity, Year Three
RSUs cancelled and forfeited (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value
Principal payments received for loans held by consolidated securitization
Proceeds from Securitization, Loan, Held-for-Sale
Erroneously Awarded Compensation Recovery
Erroneously Awarded Compensation Recovery [Table]
Schedule of Significant Unobservable Inputs
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]
Payment of debt issuance costs to third parties
Payments of Debt Issuance Costs
Entity Current Reporting Status
Entity Current Reporting Status
Net cash provided by financing activities
Cash Provided by (Used in) Financing Activity, Including Discontinued Operation
Total Shareholder Return Amount
Total Shareholder Return Amount
Shares withheld related to net share settlement of RSUs
Share-Based Payment Arrangement, Decrease for Tax Withholding Obligation
Liabilities
Liabilities, Fair Value Disclosure [Abstract]
Fair value and other adjustments, net
Total fair value and other adjustments, net
Fair Value And Other Adjustments, Net
Fair Value And Other Adjustments, Net
Schedule of Rollforward of Level 3 Liabilities
Fair Value, Liabilities Measured on Recurring Basis [Table Text Block]
Cash payments made
Loss Contingency, Damages Paid, Value
Line of Credit Facility [Line Items]
Line of Credit Facility [Line Items]
Andrea Blankmeyer [Member]
Andrea Blankmeyer
Engineering and product development
Engineering and product development
Research and Development Expense
Adjustments to reconcile net income to net cash used in operating activities
Adjustment to Reconcile Net Income to Cash Provided by (Used in) Operating Activity [Abstract]
Loss Contingency Nature [Axis]
Loss Contingency Nature [Axis]
Cash flows from financing activities
Cash Provided by (Used in) Financing Activity, Including Discontinued Operation [Abstract]
Property, equipment, and software, net
Total property, equipment, and software, net
Property, Plant, and Equipment, after Accumulated Depreciation, Depletion, and Amortization
Repayments received
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Repayments Received
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Repayments Received
Unused commitment fee
Line of Credit Facility, Unused Capacity, Commitment Fee Percentage
Schedule of Customers Accounting for Greater Than 10% of Total Revenue
Segment Reporting, Entity-Wide Information Not Provided as Part of Reportable Segment, Customer, Extent of Reliance [Table Text Block]
Intangible Asset, Finite-Lived, Class [Axis]
Intangible Asset, Finite-Lived, Class [Axis]
Issuance of common stock upon exercise of stock options
Stock Issued During Period, Value, Stock Options Exercised
Goodwill and Intangible Assets
Intangible Asset and Goodwill [Text Block]
Underlying Securities
Award Underlying Securities Amount
Revenue
Revenue from Contract with Customer [Text Block]
Borrower acquisition costs
Borrower acquisition costs
Borrower Acquisition Costs
Borrower Acquisition Costs
Weighted-average discount rate
Operating Lease, Weighted Average Discount Rate, Percent
Segment Reporting [Table]
Segment Reporting [Table]
Computer and networking equipment
Computer Equipment [Member]
Schedule of Operating Lease Expense and Supplemental Cash and Non-cash Information
Lease, Cost [Table Text Block]
Commitments and Contingencies Disclosure [Abstract]
All Trading Arrangements
All Trading Arrangements [Member]
Shares of Common Stock Covered, Subject to Anti-Dilution Adjustments (in shares)
Debt Instrument, Convertible, Capped Calls Number Of Shares Of Common Stock Covered
Debt Instrument, Convertible, Capped Calls Number Of Shares Of Common Stock Covered
Fair value, beginning balance
Fair value, ending balance
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability Value
Other Performance Measure, Amount
Other Performance Measure, Amount
Award Timing MNPI Considered
Award Timing MNPI Considered [Flag]
Current Fiscal Year End Date
Current Fiscal Year End Date
Payable to Securitization Note Holders
Payables to Securitization Note Holders [Member]
Payables to Securitization Note Holders
Non-PEO NEO Average Total Compensation Amount
Non-PEO NEO Average Total Compensation Amount
Repurchases of stock (in shares)
Stock Repurchased During Period, Shares
Leases not yet commenced
Unrecorded Unconditional Purchase Obligation
Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year
Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year [Member]
Entity File Number
Entity File Number
Office Building
Office Building [Member]
Weighted-Average Exercise Price Per Share
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Recovery of Erroneously Awarded Compensation Disclosure [Line Items]
Measure:
Measure [Axis]
Schedule of Financial Assets and Liabilities from Variable Interest Entities
Schedule of Variable Interest Entities [Table Text Block]
Purchase of loans for immediate resale
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchase Of Loans For Immediate Resale To Investors
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchase Of Loans For Immediate Resale To Investors
Equity Components [Axis]
Equity Components [Axis]
Cash paid for income taxes, net
Income Tax Paid, after Refund Received
Additional repurchased amount
Debt Instrument, Additional Repurchased Face Amount
Debt Instrument, Additional Repurchased Face Amount
Common stock
Common Class A [Member]
Entity Interactive Data Current
Entity Interactive Data Current
Entity Small Business
Entity Small Business
Unamortized debt discount
Debt Instrument, Unamortized Discount
Shares withheld related to net share settlement of RSUs (in shares)
Share-Based Payment Arrangement, Shares Withheld for Tax Withholding Obligation
Property, Plant, and Equipment [Line Items]
Property, Plant, and Equipment [Line Items]
Repayments and settlements / Payments on beneficial interests
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Settlements
Total interest income, interest expense, and fair value adjustments, net
Interest income, interest expense, and fair value adjustments, net
Interest Income (Expense), Operating
MNPI Disclosure Timed for Compensation Value
MNPI Disclosure Timed for Compensation Value [Flag]
Document Type
Document Type
Repurchase amount
Debt Instrument, Repurchased Face Amount
Loans held in consolidated securitization
Loans Held In Consolidated Securitization, Fair Value Disclosure
Loans Held In Consolidated Securitization, Fair Value Disclosure
Gain (loss) on extinguishment of debt
Gain (Loss) on Extinguishment of Debt
Non-cash interest expense and other
Paid-in-Kind Interest
Cash and Restricted Cash
Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Including Discontinued Operation [Abstract]
Options exercisable
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Intrinsic Value
Cash and cash equivalents
Cash and Cash Equivalents [Member]
Statement of Stockholders' Equity [Abstract]
Local Phone Number
Local Phone Number
Commitments and Contingencies (Note 11)
Commitments and Contingencies
Antidilutive Securities, Name [Domain]
Antidilutive Securities, Name [Domain]
Total property, equipment, and software
Property, Plant, and Equipment, before Accumulated Depreciation, Depletion, and Amortization
Changed Peer Group, Footnote
Changed Peer Group, Footnote [Text Block]
Debt Instrument Conversion [Domain]
Debt Instrument Conversion [Domain]
Debt Instrument Conversion [Domain]
2030
Intangible Asset, Finite-Lived, Estimated Amortization Expense, Year Four
Executive Category:
Executive Category [Axis]
Un Committed
ULT Warehouse Credit Facility - UnCommitted [Member]
ULT Warehouse Credit Facility - UnCommitted
Receivable Type [Axis]
Receivable Type [Axis]
Schedule of Level 3 Fair Value Assumptions for Loan Servicing Assets and Liabilities
Schedule of Assumptions for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Table Text Block]
Counterparty Name [Axis]
Counterparty Name [Axis]
Liabilities and Stockholders’ Equity
Liabilities and Equity [Abstract]
Non-PEO NEO Average Compensation Actually Paid Amount
Non-PEO NEO Average Compensation Actually Paid Amount
Schedule of Variable Interest Entities [Table]
Variable Interest Entity [Table]
Upstart Loan Trust
ULT Warehouse Credit Facility [Member]
ULT Warehouse Credit Facility
Supplemental disclosures of cash flow information
Supplemental Cash Flow Information [Abstract]
PEO Name
PEO Name
Accrued expenses and other liabilities (includes $15,219 and $24,967 at fair value as of December 31, 2025 and June 30, 2026, respectively)
Accrued expenses and other liabilities
Total accrued expenses and other liabilities
Accrued Liabilities and Other Liabilities
Leasehold improvements
Leasehold Improvements [Member]
Outstanding principal balance, asset
Beneficial Interest, Asset, Unpaid Principal Balance
Beneficial Interest, Asset, Unpaid Principal Balance
Long-Lived Asset, Class [Axis]
Long-Lived Asset, Class [Axis]
Stock Price or TSR Estimation Method
Stock Price or TSR Estimation Method [Text Block]
Entity Tax Identification Number
Entity Tax Identification Number
Schedule of Aggregate Fair Value and Principal Outstanding of All Loans And Loans 90 Days or More Past Due
Financing Receivable, Past Due [Table Text Block]
Options exercised (in dollars per share)
Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price
Entity Incorporation, State or Country Code
Entity Incorporation, State or Country Code
Aggregate Erroneous Compensation Not Yet Determined
Aggregate Erroneous Compensation Not Yet Determined [Text Block]
Material Terms of Trading Arrangement
Material Terms of Trading Arrangement [Text Block]
Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year
Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year [Member]
20% adverse change
Sensitivity Analysis of Fair Value, Assets, Impact of 20 Percent Adverse Change in Expected Credit Loss Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 20 Percent Adverse Change in Expected Credit Loss Rates
Payable to investors
Payable To Investors
Payable To Investors
Debt Instrument [Axis]
Debt Instrument [Axis]
Stock-based compensation
Share-Based Payment Arrangement, Noncash Expense
ESPP purchase price of common stock, percent of market price
Share-Based Compensation Arrangement by Share-Based Payment Award, Purchase Price of Common Stock, Percent
Shares available for issuance under ESPP
Purchase rights committed under the ESPP
Employee Stock [Member]
Net income per share, basic (in dollars per share)
Net income per share, basic (in dollars per share)
Earnings Per Share, Basic
Measurement Input Type [Axis]
Measurement Input Type [Axis]
Insider Trading Arrangements [Line Items]
Upstart Auto Warehouse Trust 2
UAWT Warehouse Credit Facility II [Member]
UAWT Warehouse Credit Facility II
Market-servicing rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Market Servicing Rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Market Servicing Rate
Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table
Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table [Member]
Real Estate, Type of Property [Axis]
Real Estate, Type of Property [Axis]
Expected volatility
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Volatility Rate
Servicing Liability at Fair Value, Amount [Roll Forward]
Servicing Liability at Fair Value, Amount [Roll Forward]
Aggregate capital under risk-sharing arrangements
Beneficial Interests, Maximum Loss Exposure
Beneficial Interests, Maximum Loss Exposure
Sale of loans
Servicing Liability at Fair Value, Additions
Compensation Actually Paid vs. Company Selected Measure
Compensation Actually Paid vs. Company Selected Measure [Text Block]
Cover [Abstract]
Thereafter
Lessee, Operating Lease, Liability, to be Paid, after Year Four
Lessee, Operating Lease, Liability, to be Paid, after Year Four
Reclassifications
Reclassification, Comparability Adjustment [Policy Text Block]
Fair Value Measurement Inputs and Valuation Techniques [Table]
Fair Value Measurement Inputs and Valuation Techniques [Table]
Concentration risk (in percent)
Concentration Risk, Percentage
Equity Awards Adjustments
Equity Awards Adjustments [Member]
Variable Interest Entity or Potential VIE, Information Unavailability, Disclosures [Abstract]
Variable Interest Entity or Potential VIE, Information Unavailability, Disclosures [Abstract]
Loan Servicing Assets
Loan Servicing Assets [Member]
Loan Servicing Assets
Notes receivable and residual certificates
Notes Receivable, Measurement Input
Notes Receivable, Measurement Input
Prepayment rate
Measurement Input, Prepayment Rate [Member]
Loans
Loans [Member]
Expected credit risk rate on underlying loans
Expected Credit Loss Rate (Liabilities) [Abstract]
Expected Credit Loss Rate (Liabilities)
Plan Name [Axis]
Plan Name [Axis]
Other income, net
Other Nonoperating Income (Expense)
Receivables
Accrued Fees and Other Revenue Receivable
Origination fees
Origination Fees [Member]
Origination Fees
RSUs cancelled and forfeited (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeited in Period
General, administrative, and other
General, administrative, and other
General and Administrative Expense
Securitizations
Securitizations [Member]
Securitizations
Class of Stock [Domain]
Class of Stock [Domain]
Expected prepayment rates
Expected Prepayment Rates [Abstract]
Expected Prepayment Rates
Statement of Cash Flows [Abstract]
2029 Notes
Twenty Twenty Nine Notes [Member]
Twenty Twenty Nine Notes
Aggregate Available
Trading Arrangement, Securities Aggregate Available Amount
Accounts payable
Accounts Payable
Options vested and expected to vest (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Outstanding, Number
Income Taxes
Income Tax Disclosure [Text Block]
Servicing fees
Servicing Fees [Member]
Servicing Fees
Gain on loan servicing rights, net
Gain (Loss) On Loan Servicing Rights And Sale Of Noncontrolling Interests, Net
Gain (Loss) On Loan Servicing Rights And Sale Of Noncontrolling Interests, Net
Pay vs Performance Disclosure
Pay vs Performance Disclosure [Table]
Entity Filer Category
Entity Filer Category
Change in fair value of beneficial interest liabilities
Increase (Decrease) In Fair Value Of Beneficial Interest Liabilities
Increase (Decrease) In Fair Value Of Beneficial Interest Liabilities
Schedule of Stock Option Activity
Schedule of Stock Options Roll Forward [Table Text Block]
Outstanding principal balance, liability
Beneficial Interest, Liability, Unpaid Principal Balance
Beneficial Interest, Liability, Unpaid Principal Balance
Concentration Risk Benchmark [Domain]
Concentration Risk Benchmark [Domain]
Acquisitions of beneficial interests
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Additions
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Additions
Financial Asset, Period Past Due [Axis]
Financial Asset, Aging [Axis]
Changes in fair value recorded in earnings
Servicing Asset At Fair Value, Repayments And Other Changes At Fair Value, Gain (Loss) Included In Earnings
Servicing Asset At Fair Value, Repayments And Other Changes At Fair Value, Gain (Loss) Included In Earnings
Entity Address, Address Line Two
Entity Address, Address Line Two
Schedule of Stock by Class [Table]
Stock, Class of Stock [Table]
Settlements of beneficial interest assets (derivatives)
Payments On Beneficial Interest Assets, Operating Activities
Payments On Beneficial Interest Assets, Operating Activities
Entity Address, Address Line One
Entity Address, Address Line One
Right-of-use assets capitalized
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability
RSUs vested (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value
Acquisition and settlements of beneficial interest assets (hybrid instruments)
Acquisition and Settlements of Beneficial Interest Assets
Acquisition and Settlements of Beneficial Interest Assets
Provision for income taxes
Income Tax Expense (Benefit)
Change in fair value of servicing liabilities
Increase (Decrease) In Fair Value Of Servicing Liabilities
Increase (Decrease) In Fair Value Of Servicing Liabilities
Loss Contingency, Nature [Domain]
Loss Contingency, Nature [Domain]
Consolidation
Consolidation, Policy [Policy Text Block]
Variable Interest Entity, Primary Beneficiary
Variable Interest Entity, Primary Beneficiary [Member]
Initial Cap Price per Share, Subject to Certain Adjustments (in dollars per share)
Debt Instrument, Convertible, Capped Calls Initial Cap Price
Debt Instrument, Convertible, Capped Calls Initial Cap Price
Valuation Technique, Discounted Cash Flow
Valuation Technique, Discounted Cash Flow [Member]
Statement [Table]
Statement [Table]
Beneficial interest assets
Beneficial Interest, Asset, Fair Value
Beneficial Interest, Asset, Fair Value
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Table]
Share-Based Payment Arrangement, Expensed and Capitalized, Amount [Table]
Maximum value of shares to be sold
Sale Of Stock, Maximum Value Of Shares To Be Sold
Sale Of Stock, Maximum Value Of Shares To Be Sold
Loans held-for-sale
Loan, Held-for-Sale, Fair Value Disclosure
Description of Business and Significant Accounting Policies
Basis of Presentation and Significant Accounting Policies [Text Block]