v3.26.3
Revenue - Schedule of Components of Interest Income and Fair Value Adjustments, Net (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2026
Sep. 30, 2025
Sep. 30, 2026
Sep. 30, 2025
Disaggregation of Revenue [Line Items]        
Interest income [1],[2] $ 56,561 $ 57,203 $ 169,673 $ 143,394
Interest expense [1],[2] (12,879) (8,794) (35,780) (23,586)
Unrealized loss on loans, loan charge-offs, and other fair value adjustments, net (26,864) (15,545) (60,637) (55,749)
Fair value adjustments and realized losses on beneficial interests, net (7,067) (13,985) (2,340) (2,608)
Realized gain (loss) on sale of loans, net (3,259) (313) (16,584) 1,525
Total fair value and other adjustments, net [1] (37,190) (29,843) (79,561) (56,832)
Total interest income, interest expense, and fair value adjustments, net 6,492 18,566 54,332 62,976
Variable Interest Entity, Primary Beneficiary        
Disaggregation of Revenue [Line Items]        
Interest income 1,818 3,876 6,705 13,453
Interest expense (809) (1,489) (2,963) (5,006)
Unrealized loss on loans, loan charge-offs, and other fair value adjustments, net (914) (1,970) (2,933) (8,988)
Total interest income, interest expense, and fair value adjustments, net $ 95 $ 417 $ 809 $ (541)
[1] Balances for the three and nine months ended September 30, 2025 and 2026 include amounts related to the consolidated securitization. Refer to “Note 2. Revenue” for details.
[2] For the three and nine months ended September 30, 2026, interest income and interest expense include dividend income earned on certain cash accounts and expense on convertible senior notes, respectively, which were previously included in other income, net. Refer to “Note 1. Description of Business and Significant Accounting Policies” for details.