v3.26.3
Segment Information - Schedule of Reconciliation of Total Contribution Profit to Net Loss Before Income Taxes (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2026
Sep. 30, 2025
Sep. 30, 2026
Sep. 30, 2025
Segment Reporting [Line Items]        
Sales and marketing, net of borrower acquisition costs $ (102,080) $ (78,844) $ (321,047) $ (210,919)
Customer operations, net of borrower verification and servicing costs (63,339) (49,790) (179,753) (136,537)
Engineering and product development (92,652) (64,026) (266,624) (190,689)
General, administrative, and other (76,452) (60,779) (232,900) (185,910)
Interest income, interest expense, and fair value adjustments, net 6,492 18,566 54,332 62,976
Other income, net 1,244 1,017 4,714 4,209
Gain on debt extinguishment 0 7,246 0 7,246
Net income before income taxes 37,243 31,929 47,834 35,167
Unsecured Lending        
Segment Reporting [Line Items]        
Contribution Profit - Unsecured Lending 212,137 156,976 561,339 412,008
Borrower acquisition costs 76,280 61,771 241,371 164,161
Borrower verification and servicing costs 41,522 34,445 118,924 96,085
Unsecured Lending | Operating Segments        
Segment Reporting [Line Items]        
Contribution Profit - Unsecured Lending 212,137 156,976 561,339 412,008
Contribution Profit/(Loss) - Other Segments 5,833 (9,570) (12,964) (21,687)
Sales and marketing, net of borrower acquisition costs (10,883) (11,582) (35,309) (34,160)
Customer operations, net of borrower verification and servicing costs (8,476) (5,919) (24,754) (18,826)
Engineering and product development (92,652) (64,026) (266,624) (190,689)
General, administrative, and other (76,452) (60,779) (232,900) (185,910)
Interest income, interest expense, and fair value adjustments, net 6,492 18,566 54,332 62,976
Other income, net 1,244 1,017 4,714 4,209
Gain on debt extinguishment 0 7,246 0 7,246
Net income before income taxes 37,243 31,929 47,834 35,167
Borrower acquisition costs 91,200 67,300 285,700 176,800
Borrower verification and servicing costs $ 54,900 $ 43,900 $ 155,000 $ 117,700