v3.26.1
Segments - Schedule of Segment Reporting Information, by Segment (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]        
Total Net Revenue $ 71,358 $ 51,650 $ 129,726 $ 94,314
Impact of interest rates on fair value of loans held in consolidated trusts 18 1,069 73 343
Less: Segment Operating Expenses        
Compensation and Benefits (21,443) (19,743) (42,680) (40,416)
Marketing and Advertising (19,698) (13,399) (37,195) (24,551)
Transaction Costs (4,997) (4,533) (9,982) (9,352)
Other Expenses (7,548) (6,706) (15,513) (13,867)
Segment Adjusted EBITDA 17,690 8,338 24,429 6,471
Depreciation expense:        
Origination and Servicing (3,374) (2,785) (7,516) (5,464)
General and Administrative - Other (176) (232) (338) (500)
Stock-based compensation (331) (349) (795) (676)
Change in Fair Value of Convertible Preferred Stock Warrants (5,941) (59,359) 58,008 (2,133)
Impact of interest rates on fair value of loans held in consolidated trusts (18) (1,069) (73) (343)
Interest income on cash and cash equivalents 826 736 1,632 1,404
Interest Expense on Term Loan (1,995) (2,979) (3,977) (6,055)
Net Income (Loss) Before Taxes 6,681 (57,699) 71,370 (7,296)
Interest Income (Expense) Included in Segment Adjusted EBITDA        
Interest Income on Financial Instruments 15,719 21,066 31,968 44,367
Interest Expense on Financial Instruments (11,779) (15,432) (24,145) (31,761)
Total Interest Income, Net 3,940 5,634 7,823 12,606
Personal Loan        
Segment Reporting [Line Items]        
Total Net Revenue 60,843 50,309 108,202 91,049
Impact of interest rates on fair value of loans held in consolidated trusts 18 1,069 73 343
Less: Segment Operating Expenses        
Compensation and Benefits (18,440) (17,187) (36,678) (35,009)
Marketing and Advertising (13,976) (11,557) (27,279) (21,378)
Transaction Costs (1,631) (1,835) (3,234) (3,512)
Other Expenses (7,253) (6,555) (15,016) (13,585)
Segment Adjusted EBITDA 19,561 14,244 26,068 17,908
Interest Income (Expense) Included in Segment Adjusted EBITDA        
Interest Income on Financial Instruments 10,149 14,822 21,023 31,084
Interest Expense on Financial Instruments (9,732) (13,415) (20,059) (27,754)
Total Interest Income, Net 417 1,407 964 3,330
Credit Card        
Segment Reporting [Line Items]        
Total Net Revenue 10,515 1,341 21,524 3,265
Impact of interest rates on fair value of loans held in consolidated trusts 0 0 0 0
Less: Segment Operating Expenses        
Compensation and Benefits (3,003) (2,556) (6,002) (5,407)
Marketing and Advertising (5,722) (1,842) (9,916) (3,173)
Transaction Costs (3,366) (2,698) (6,748) (5,840)
Other Expenses (295) (151) (497) (282)
Segment Adjusted EBITDA (1,871) (5,906) (1,639) (11,437)
Interest Income (Expense) Included in Segment Adjusted EBITDA        
Interest Income on Financial Instruments 5,570 6,244 10,945 13,283
Interest Expense on Financial Instruments (2,047) (2,017) (4,086) (4,007)
Total Interest Income, Net $ 3,523 $ 4,227 $ 6,859 $ 9,276