Trading Arrangements, by Individual
Trading Arrangements, by Individual [Table]
Loan premium amortization
Amortization Of Loan Premium
Amortization Of Loan Premium
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
Subsequent Event
Subsequent Event [Member]
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]
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
Loans Held-for-Investment
Loans Held For Investment [Member]
Loans Held For Investment
Debt Instrument Conversion [Axis]
Debt Instrument Conversion [Axis]
Debt Instrument Conversion
Accrued payroll
Employee-related Liabilities
Issuance of common stock upon settlement of RSUs (in shares)
Stock Issued During Period, Shares, Restricted Stock Award, Net of Forfeitures
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
Schedule of Key Terms for Capped Calls
Schedule Of Capped Calls [Table Text Block]
Schedule Of Capped Calls
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
Purchase period
Share-Based Compensation Arrangement By Share-based Payment Award, Purchase Period
Share-Based Compensation Arrangement By Share-based Payment Award, Purchase Period
Entity Common Stock, Shares Outstanding
Entity Common Stock, Shares Outstanding
Loans receivable
Loans Receivable, Measurement Input
Loans Receivable, Measurement Input
Principal payments received for loans held-for-investment
Proceeds from Principal Repayment, Loan and Lease, Held-for-Investment
Uncommitted
ULT Warehouse Credit Facility - UnCommitted [Member]
ULT Warehouse Credit Facility - UnCommitted
Trailing fee liability (at fair value)
Trailing Fee Liability At Fair Value, Amount
Trailing Fee Liability At Fair Value, Amount
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
Leases [Abstract]
Consolidated Entities [Domain]
Consolidated Entities [Domain]
Customer F
Customer F [Member]
Customer F
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
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
Loan premium and loan trailing fees recognized
Loan Premium Fees and Loan Trailing Fees
Loan Premium Fees and Loan Trailing Fees
Net income before income taxes
Income (Loss) Attributable to Parent, before Tax
Upstart Network Revolver
Upstart Network Revolver [Member]
Upstart Network Revolver
Loan Servicing Liabilities
Loan Servicing Liabilities [Member]
Loan Servicing Liabilities
Customer relationships
Customer Relationships [Member]
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
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]
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
Statement of Financial Position [Abstract]
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
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]
Securities retained under unconsolidated securitization transactions
Securities Retained Under Unconsolidated Securitization Transactions
Securities Retained Under Unconsolidated Securitization Transactions
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]
Dividend income
Dividend Income, Operating
Subsequent Event Type [Axis]
Subsequent Event Type [Axis]
Concentration Risk Type [Axis]
Concentration Risk Type [Axis]
Schedule of Long-Term Debt Instruments [Table]
Schedule of Long-Term Debt Instruments [Table]
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]
Notes receivable and residual certificates
Notes Receivable, Measurement Input
Notes Receivable, Measurement Input
Schedule of Rollforward of Level 3 Liabilities
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]
Notes receivable and residual certificates (at fair value)
Notes receivable and residual certificates
Notes Receivable, Fair Value Disclosure
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
Aggregate principal amount
Debt Instrument, Face Amount
2028
Lessee, Operating Lease, Liability, to be Paid, Year Two
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
Collection agency fees
Collection Agency Fees [Member]
Collection Agency Fees
Trailing fee liabilities
Trailing Fee Liabilities, Fair Value Disclosure
Trailing Fee Liabilities, Fair Value Disclosure
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
Operating lease liability
Operating Lease, Liability, Current
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]
Borrower fees
Borrower Fees [Member]
Borrower Fees
Purchases of property and equipment
Payments to Acquire Property, Plant, and Equipment
Company Selected Measure Name
Company Selected Measure Name
Sale of Stock [Domain]
Sale of Stock [Domain]
Income Tax Disclosure [Abstract]
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
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)
Dave Girouard [Member]
Dave Girouard
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]
Line of Credit Facility [Table]
Line of Credit Facility [Table]
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]
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
Discount rate
Line Of Credit Receivable, Measurement Input
Line Of Credit Receivable, Measurement Input
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
Stock options, RSUs, and ESPP (in shares)
Incremental Common Shares Attributable to Dilutive Effect of Share-Based Payment Arrangements
Depreciation
Depreciation
Realized gain (loss) on sale of loans, net
Realized Gain (Loss) On Transfer Of Loans, Net
Realized Gain (Loss) On Transfer Of Loans, Net
Plan Name [Domain]
Plan Name [Domain]
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]
Beneficial interest assets
Beneficial Interest, Asset, Fair Value
Beneficial Interest, Asset, Fair Value
Fair Value Disclosures [Abstract]
Debt Instrument, Name [Domain]
Debt Instrument, Name [Domain]
Expiration Date
Trading Arrangement Expiration Date
Beneficial Interests
Beneficial Interest Disclosure [Text Block]
Beneficial Interest Disclosure
Issuances
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Issuances
Beneficial interest liabilities
Beneficial Interest, Liability, Measurement Input
Beneficial Interest, Liability, Measurement Input
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]
Acquisition and settlements of beneficial interest assets (hybrid instruments)
Acquisition and Settlements of Beneficial Interest Assets
Acquisition and Settlements of Beneficial Interest Assets
Thereafter
Long-term and Short-term Debt, Maturity, After Year Four
Long-term and Short-term Debt, Maturity, After Year Four
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
Cash flows from investing activities
Cash Provided by (Used in) Investing Activity, Including Discontinued Operation [Abstract]
Capitalized cost amortization term
Capitalized Contract Cost, Amortization Period
Segments [Domain]
Segments [Domain]
2032 Notes
Twenty Thirty Two Notes [Member]
Twenty Thirty Two Notes
Loans held-for-investment
Loans Held-For-Investment, Fair Value Disclosure
Loans Held-For-Investment, Fair Value Disclosure
Borrowings
Debt Disclosure [Text Block]
Commitments to fund future advances
Contractual Obligation
Customer A
Customer A [Member]
Customer A
Loans (at fair value)
Loans (at fair value)
Financing receivable, after allowance for credit loss
Fair value
Financing Receivable, after Allowance for Credit Loss
Accrued expenses and other liabilities at fair value
Accrued Expenses And Other Liabilities, Fair Value Disclosure
Accrued Expenses And Other Liabilities, Fair Value Disclosure
PEO Actually Paid Compensation Amount
PEO Actually Paid Compensation Amount
Secured debt
Secured Debt [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
Stated interest rate
Debt Instrument, Interest Rate, Stated Percentage
Total stockholders’ equity
Beginning balance
Ending balance
Net Assets
Equity, Attributable to Parent
Real Estate [Domain]
Real Estate [Domain]
Assets
Assets
Assets [Abstract]
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]
Balance Sheet Components
Supplemental Balance Sheet Disclosures [Text Block]
Beneficial Interests
Beneficial Interests [Member]
Beneficial Interests
Borrower verification and servicing costs
Borrower verification and servicing costs
Borrower Verification And Servicing Costs
Borrower Verification And Servicing Costs
Financing Receivable Portfolio Segment [Domain]
Financing Receivable Portfolio Segment [Domain]
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
Loan Servicing Assets
Loan Servicing Assets [Member]
Loan Servicing Assets
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
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
Fair value adjustments and realized losses on beneficial interests, net
Gain (Loss) On Beneficial Interests
Gain (Loss) On Beneficial Interests
Servicing fees
Servicing Fees [Member]
Servicing Fees
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
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
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]
Schedule Of Beneficial Interest [Table]
Schedule Of Beneficial Interest [Table]
Schedule Of Beneficial Interest
Notes receivable and residual certificates (at fair value)
Notes Receivable And Residual Certificates [Member]
Notes Receivable And Residual Certificates
Schedule of Borrowings [Line Items]
Schedule Of Borrowings [Line Items]
Schedule of Borrowings [Line Items]
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
Contribution Profit for Unsecured Lending
Contribution Profit - Unsecured Lending
Contribution Profit
Contribution Profit
Customer B
Customer B [Member]
Customer B
Statement [Line Items]
Statement [Line Items]
Total assets
Total assets
Assets
Interest expense
Interest Expense, Operating
Total payments due
Total
Outstanding borrowings
Long-Term And Short-Term Debt, Gross
Long-Term And Short-Term Debt, Gross
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
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
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]
Borrowings
Borrowings
Total borrowings
Debt, Long-Term and Short-Term, Combined Amount
Goodwill
Goodwill
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
Forgone Recovery due to Violation of Home Country Law, Amount
Forgone Recovery due to Violation of Home Country Law, Amount
Outstanding principal balance, asset
Beneficial Interest, Asset, Unpaid Principal Balance
Beneficial Interest, Asset, Unpaid Principal Balance
Accumulated Deficit
Retained Earnings [Member]
Total operating expenses
Operating Expenses
Revolving Credit Facility
Revolving Credit Facility [Member]
Settlements of beneficial interest liabilities, net
Payments On Beneficial Interest Liabilities
Payments On Beneficial Interest Liabilities
Expected credit loss rates on underlying loans
Expected Credit Loss Rate [Abstract]
Expected Credit Loss Rate
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]
Total interest income, interest expense, and fair value adjustments, net
Interest Income And Fair Value Adjustment, Net
Interest Income And Fair Value Adjustment, Net
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
Intangible Asset, Finite-Lived [Line Items]
Intangible Asset, Finite-Lived [Line Items]
Proceeds from borrowings
Proceeds from Long-Term Lines of Credit
Upstart Loan Trust
ULT Warehouse Credit Facility [Member]
ULT Warehouse Credit Facility
Share-Based Payment Arrangement [Abstract]
Origination fees
Revenue from Contract with Customer, Excluding Assessed Tax
Proceeds from beneficial interest assets (derivatives)
Proceeds From Beneficial Interest Assets, Operating Activities
Proceeds From Beneficial Interest Assets, Operating Activities
Net fair value and accrued interest adjustments
Financing Receivable, Allowance for Credit Loss
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]
Customer E
Customer E [Member]
Customer E
Schedule of Maturities of All Borrowings
Schedule of Maturities of Long-Term Debt [Table Text Block]
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)
Other fees
Other Fees [Member]
Other Fees
Rule 10b5-1 Arrangement Adopted
Rule 10b5-1 Arrangement Adopted [Flag]
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
Fair value, beginning balance
Fair value, ending balance
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value
Schedule Of Beneficial Interest [Line Items]
Schedule Of Beneficial Interest [Line Items]
Schedule Of Beneficial Interest
Subscription agreements term
Subscription Agreements Term
Subscription Agreements Term
Shares available for future issuance under 2020 plan
2020 Equity Incentive Plan [Member]
2020 Equity Incentive Plan
Principal repaid
Debt Instrument, Repaid, Principal
Product and Service [Domain]
Product and Service [Domain]
Class of Stock [Line Items]
Class of Stock [Line Items]
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
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
Subsequent Events [Abstract]
Compensation Actually Paid vs. Total Shareholder Return
Compensation Actually Paid vs. Total Shareholder Return [Text Block]
Settlement of capped calls
Adjustments to Additional Paid in Capital, Settlement Of Capped Calls
Adjustments to Additional Paid in Capital, Settlement Of Capped Calls
Fair Value as of Grant Date
Award Grant Date Fair Value
Repurchases and repayments of convertible notes
Repayments of Convertible Debt
Redemption price (in percent)
Debt Instrument, Redemption Price, Percentage
Pay vs Performance Disclosure, Table
Pay vs Performance [Table Text Block]
Stock repurchase program, remaining authorized repurchase amount
Share Repurchase Program, Remaining Authorized, Amount
Arrangement Duration
Trading Arrangement Duration
Consolidation Items [Axis]
Consolidation Items [Axis]
Entity Address, Postal Zip Code
Entity Address, Postal Zip Code
Entity Registrant Name
Entity Registrant Name
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 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
Expected credit risk rate on underlying loans
Expected Credit Loss Rate (Liabilities) [Abstract]
Expected Credit Loss Rate (Liabilities)
Other Assets [Abstract]
Forgone Recovery due to Expense of Enforcement, Amount
Forgone Recovery due to Expense of Enforcement, Amount
Award vesting period
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period
Furniture and fixtures
Furniture and Fixtures [Member]
Customer operations
Customer operations, net of borrower verification and servicing costs
Customer Operations Expense
Customer Operations Expense
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
Beneficial interest liabilities (derivatives)
Beneficial Interest Liabilities [Member]
Beneficial Interest Liabilities
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
Dave Girouard, Trading Arrangement, Common Stock Issuable Upon Exercise Of Outstanding Options [Member]
Dave Girouard, Trading Arrangement, Common Stock Issuable Upon Exercise Of Outstanding Options
HELOCs
Home Equity Line of Credit [Member]
2029
Long-term and Short-term Debt, Maturity, Year Three
Long-term and Short-term Debt, Maturity, Year Three
Other assets (includes $41,166 and $68,051 at fair value as of December 31, 2025 and September 30, 2026, respectively)
Other assets (includes $225 and $78 at fair value as of December 31, 2025 and September 30, 2026, respectively)
Total other assets
Other Assets
Interest expense
Interest Expense, Debt
At The Market Offering Program
At The Market Offering Program [Member]
At The Market Offering Program
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
Consolidated securitization
Consolidated Securitization [Member]
Consolidated Securitization
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
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]
2027
Long-term and Short-term Debt, Maturity, Year One
Long-term and Short-term Debt, Maturity, Year One
Repurchases of stock
Payments for Repurchase of Common Stock
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]
Award Type [Axis]
Award Type [Axis]
Named Executive Officers, Footnote
Named Executive Officers, Footnote [Text Block]
Accumulated deficit
Retained Earnings (Accumulated Deficit)
Commissions (in Percent)
Sale Of Stock, Commissions Percentage
Sale Of Stock, Commissions Percentage
Product and Service [Axis]
Product and Service [Axis]
Trading days
Debt Instrument, Convertible, Threshold Trading Days
Assets held by institutional investor
Assets Held By Institutional Investor
Assets Held By Institutional Investor
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
Interest expense
Interest Expense, Debt, Excluding Amortization
Additions
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Additions
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Additions
Concentration Risk Benchmark [Axis]
Concentration Risk Benchmark [Axis]
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
Schedule of Convertible Debt
Convertible Debt [Table Text Block]
Total liabilities and stockholders’ equity
Liabilities and Equity
Variable lease payments
Variable Lease, Cost
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
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
Deposits
Deposits Assets
Covenant minimum liquidity amount
Debt Instrument, Covenant Minimum Liquidity Amount
Debt Instrument, Covenant Minimum Liquidity Amount
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
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
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]
Payable to investors
Repayment To Investors
Repayment To Investors
Hybrid Instruments
Hybrid Instrument [Member]
Property, Plant, and Equipment [Table]
Property, Plant, and Equipment [Table]
Payable to Securitization Note Holders
Payables to Securitization Note Holders [Member]
Payables to Securitization Note Holders
Issuance of line of credit receivable
Issuance Of Line Of Credit Receivable
Issuance Of Line Of Credit Receivable
Adjustment to Compensation:
Adjustment to Compensation [Axis]
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
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
UAWT Warehouse Credit Facility II - Uncommitted
UAWT Warehouse Credit Facility II - Uncommitted [Member]
UAWT Warehouse Credit Facility II - Uncommitted
Aggregate capital under risk-sharing arrangements
Beneficial Interests, Maximum Loss Exposure
Beneficial Interests, Maximum Loss Exposure
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]
Leverage ratio
Debt Instrument, Covenant, Leverage Ratio, Maximum
Debt Instrument, Covenant, Leverage Ratio, Maximum
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
Servicing and other fees, net
Servicing Fees, Net [Member]
Servicing Fees, Net
Auto Loans
Auto Loans [Member]
Auto Loans
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]
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
Purchase of capped calls, net
Purchases For Capped Calls, Net
Purchases For Capped Calls, Net
Consecutive trading days
Debt Instrument, Convertible, Threshold Consecutive Trading Days
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]
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
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]
Loans held in consolidated securitization
Securitized Loans, Measurement Input
Securitized Loans, Measurement Input
Statistical Measurement [Domain]
Statistical Measurement [Domain]
Document Fiscal Year Focus
Document Fiscal Year Focus
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 98,906,930 shares issued and outstanding as of December 31, 2025 and September 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]
Line of Credit
Line of Credit [Member]
Restatement Determination Date
Restatement Determination Date
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
Loans Held in Consolidated Securitization
Loans Held-for-Sale In Consolidated Securitization [Member]
Loans Held-for-Sale In Consolidated Securitization
2026 Notes
Twenty Twenty Six Notes [Member]
Twenty Twenty Six Notes
Loss Contingencies [Table]
Loss Contingencies [Table]
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
Settlements of beneficial interest assets (derivatives)
Payments On Beneficial Interest Assets, Operating Activities
Payments On Beneficial Interest Assets, Operating Activities
PEO Total Compensation Amount
PEO Total Compensation Amount
Assets
Assets, Fair Value Disclosure [Abstract]
Change in fair value of servicing assets
Increase (Decrease) In Fair Value Of Servicing Assets
Increase (Decrease) In Fair Value Of Servicing Assets
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
Discount rates
Discount Rate [Abstract]
Discount Rate
Award Timing MNPI Disclosure
Award Timing MNPI Disclosure [Text Block]
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
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
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]
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
Personal Loans
Personal Loans [Member]
Personal Loans
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]
Beneficial interests
Beneficial Interests, Net [Member]
Beneficial Interests, Net
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
Proceeds from beneficial interest assets (hybrid instruments)
Proceeds From Beneficial Interest Assets, Investing Activities
Proceeds From Beneficial Interest Assets, Investing Activities
Equity Awards Adjustments, Excluding Value Reported in Compensation Table
Equity Awards Adjustments, Excluding Value Reported in the Compensation Table [Member]
Payable to securitization note holders
Payables To Securitization Note Holders, Measurement Input
Payables To Securitization Note Holders, Measurement Input
Security Exchange Name
Security Exchange Name
Restricted cash
Restricted Cash [Member]
Restricted Cash
Options granted (in dollars per share)
Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Grants in Period, Weighted Average Exercise Price
Outstanding principal balance
Financing Receivable, before Allowance for Credit Loss
Valuation Approach and Technique [Axis]
Valuation Approach and Technique [Axis]
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
Issuance of line of credit receivable
Payments to Acquire Finance Receivables
Thereafter
Finite-Lived Intangible Asset, Expected Amortization, after Year Four
Finite-Lived Intangible Asset, Expected Amortization, after Year Four
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
Borrowed amount
Proceeds from Lines of Credit
Additional repurchased amount
Debt Instrument, Additional Repurchased Face Amount
Debt Instrument, Additional Repurchased Face Amount
Change in fair value of servicing liabilities
Increase (Decrease) In Fair Value Of Servicing Liabilities
Increase (Decrease) In Fair Value Of Servicing Liabilities
Less: Present value adjustment
Lessee, Operating Lease, Liability, Undiscounted Excess Amount
Prepaid expenses
Prepaid Expense
Maximum Exposure to Losses
Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount
Revenue from Contract with Customer [Abstract]
Intangible Asset, Goodwill and Other [Abstract]
Debt Instrument Conversion [Domain]
Debt Instrument Conversion [Domain]
Debt Instrument Conversion [Domain]
Thereafter
Lessee, Operating Lease, Liability, to be Paid, after Year Four
Lessee, Operating Lease, Liability, to be Paid, after Year Four
Covenant minimum eligible assets and liquidity amount
Debt Instrument, Covenant Minimum Eligible Assets And Liquidity Amount
Debt Instrument, Covenant Minimum Eligible Assets And Liquidity Amount
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]
Customer C
Customer C [Member]
Customer C
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
Covenant liquidity amount
Debt Instrument, Covenant Liquidity Amount
Debt Instrument, Covenant Liquidity Amount
Internally developed software impairment
Tangible Asset Impairment Charges
Conversion Period Two
Conversion Period Two [Member]
Conversion Period Two
2030 Notes
Twenty Thirty Notes [Member]
Twenty Thirty Notes
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]
Minimum
Minimum [Member]
Servicing Assets at Fair Value [Line Items]
Servicing Assets at Fair Value [Line Items]
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
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]
Beneficial interests obtained in connection with loan sales
Beneficial Interests Obtained In Connection With Loan Sale
Beneficial Interests Obtained In Connection With Loan Sale
Schedule of Disaggregation of Revenue by Type of Service
Disaggregation of Revenue [Table Text Block]
Variable Interest Entities
Variable Interest Entity Disclosure [Text Block]
Revenue from fees, net
Total revenue from fees, net
Revenue From Fees, Net
Revenue From Fees, Net
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]
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
Consolidated warehouse entities
Consolidated Warehouse Entities [Member]
Consolidated Warehouse Entities
Common stock, authorized (in shares)
Common Stock, Shares Authorized
Prepayment rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Prepayment Speed
Fair value, liability
Beneficial interest liabilities
Beneficial Interest Liabilities
Beneficial Interest Liabilities
Exercise Price
Award Exercise Price
Segment Reporting [Line Items]
Segment Reporting [Line Items]
Authorized share repurchase amount
Share Repurchase Program, Authorized, Amount
Purchases and originations of loans held-for-sale
Payment for Purchase, Loan, Held-for-Sale
Document Quarterly Report
Document Quarterly Report
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
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
Awards Close in Time to MNPI Disclosures, Table
Awards Close in Time to MNPI Disclosures [Table Text Block]
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
Counterparty Name [Domain]
Counterparty Name [Domain]
Upstart Auto Warehouse Trust 2
UAWT Warehouse Credit Facility II [Member]
UAWT Warehouse Credit Facility II
Schedule of Collection Agency and Borrower Fees
Schedule Of Fees And Commissions [Table Text Block]
Schedule Of Fees And Commissions
Customer D
Customer D [Member]
Customer D
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
Title
Trading Arrangement, Individual Title
Forgone Recovery due to Disqualification of Tax Benefits, Amount
Forgone Recovery due to Disqualification of Tax Benefits, Amount
Beneficial interest assets (at fair value)
Fair value, asset
Fair value of beneficial interest assets
Beneficial Interest Asset
Beneficial Interest Asset
2029 Notes
Twenty Twenty Nine Notes [Member]
Twenty Twenty Nine Notes
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]
Schedule of Sensitivity Analysis of Fair Value
Schedule of Sensitivity Analysis of Fair Value [Table Text Block]
Schedule of Sensitivity Analysis of Fair Value
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
Unsecured Lending
Unsecured Lending Segment [Member]
Unsecured Lending Segment
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]
Warehouse credit facilities
Warehouse Credit Facility [Member]
Warehouse Credit Facility
Contribution Profit/(Loss) - Other Segments
Contribution Profit, Other
Contribution Profit, Other
City Area Code
City Area Code
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
Repurchases of stock
Stock Repurchased During Period, Value, Adjustment
Stock Repurchased During Period, Value, Adjustment
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]
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
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
Stock-based compensation expense
Share-Based Payment Arrangement, Expense
Dave Girouard, Trading Arrangement, Founder Shares Held Through Trusts [Member]
Dave Girouard, Trading Arrangement, Founder Shares Held Through Trusts
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
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
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
Subsequent Event Type [Domain]
Subsequent Event Type [Domain]
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]
Cash payments made
Loss Contingency, Damages Paid, Value
Line of Credit Facility [Line Items]
Line of Credit Facility [Line Items]
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]
Securitizations
Securitizations [Member]
Securitizations
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
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]
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
Schedule of Beneficial Interests
Schedule Of Beneficial Interests [Table Text Block]
Schedule Of Beneficial Interests
Intangible Asset, Finite-Lived, Class [Axis]
Intangible Asset, Finite-Lived, Class [Axis]
Outstanding principal balance, liability
Beneficial Interest, Liability, Unpaid Principal Balance
Beneficial Interest, Liability, Unpaid Principal Balance
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]
Weighted-average discount rate
Operating Lease, Weighted Average Discount Rate, Percent
Segment Reporting [Table]
Segment Reporting [Table]
Payable to investors
Payable To Investors
Payable To Investors
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]
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
Non-PEO NEO Average Total Compensation Amount
Non-PEO NEO Average Total Compensation Amount
Repurchases of stock (in shares)
Stock Repurchased During Period, Shares
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]
Remaining 2026
Long-term and Short-term Debt, Maturity, Remainder Of Fiscal Year
Long-term and Short-term Debt, Maturity, Remainder Of Fiscal Year
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]
Equity Components [Axis]
Equity Components [Axis]
Cash paid for income taxes, net
Income Tax Paid, after Refund Received
Common stock
Common Class A [Member]
Entity Interactive Data Current
Entity Interactive Data Current
Dave Girouard, Trading Arrangement, Common Stock [Member]
Dave Girouard, Trading Arrangement, Common Stock
Entity Small Business
Entity Small Business
Unamortized debt discount
Debt Instrument, Unamortized Discount
Platform and referral fees, net
Platform And Referral Fees, Net [Member]
Platform And Referral Fees, Net
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
Gain on debt extinguishment
Gain on debt extinguishment
Gain (Loss) on Extinguishment of Debt
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
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]
Subsequent Event [Line Items]
Subsequent Event [Line Items]
Statement of Stockholders' Equity [Abstract]
Local Phone Number
Local Phone Number
Schedule of Borrowings [Table]
Schedule Of Borrowings [Table]
Schedule of Borrowings [Table]
Expected prepayment rates
Expected Prepayment Rates [Abstract]
Expected Prepayment Rates
Loans Held-for- Sale
Loan Held For Sale [Member]
Loan Held For Sale
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]
2030
Intangible Asset, Finite-Lived, Estimated Amortization Expense, Year Four
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
Executive Category:
Executive Category [Axis]
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
Upstart Small Dollar Loan Trust
Upstart Small Dollar Loan Trust [Member]
Upstart Small Dollar Loan Trust
Schedule of Variable Interest Entities [Table]
Variable Interest Entity [Table]
Supplemental disclosures of cash flow information
Supplemental Cash Flow Information [Abstract]
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
PEO Name
PEO Name
Accrued expenses and other liabilities (includes $15,219 and $34,506 at fair value as of December 31, 2025 and September 30, 2026, respectively)
Accrued expenses and other liabilities
Total accrued expenses and other liabilities
Accrued Liabilities and Other Liabilities
Leasehold improvements
Leasehold Improvements [Member]
Other consolidated VIEs
Other Variable Interest Entities [Member]
Other Variable Interest Entities
Long-Lived Asset, Class [Axis]
Long-Lived Asset, Class [Axis]
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
Stock Price or TSR Estimation Method
Stock Price or TSR Estimation Method [Text Block]
Interest income, interest expense, and fair value adjustments, net:
Revenue Not From Contract With Customer [Abstract]
Revenue Not From Contract With Customer
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
Risk retention financing facility
Risk Retention Financing Facility [Member]
Risk Retention Financing Facility
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]
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
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]
Loss contingency, ownership loan facilitated term
Loss Contingency, Ownership Loan Facilitated Term
Loss Contingency, Ownership Loan Facilitated Term
Conversion Period One
Conversion Period One [Member]
Conversion Period One
Debt Instrument [Axis]
Debt Instrument [Axis]
Subsequent Event [Table]
Subsequent Event [Table]
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]
Loans Held For Sale And Investment
Loans Held For Sale And Investment [Member]
Loans Held For Sale And Investment
Insider Trading Arrangements [Line Items]
2030
Long-term and Short-term Debt, Maturity, Year Four
Long-term and Short-term Debt, Maturity, Year Four
Origination fees
Origination Fees [Member]
Origination Fees
Loan sales fees
Loan Sales Fees [Member]
Loan Sales Fees
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]
2028
Long-term and Short-term Debt, Maturity, Year Two
Long-term and Short-term Debt, Maturity, Year Two
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]
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]
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
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]
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
Prepayment rate
Measurement Input, Prepayment Rate [Member]
Loans
Loans [Member]
Plan Name [Axis]
Plan Name [Axis]
Purchase of capped calls
Adjustments to Additional Paid in Capital, Purchase Of Capped Calls
Adjustments to Additional Paid in Capital, Purchase Of Capped Calls
Other income, net
Other Nonoperating Income (Expense)
Receivables
Accrued Fees and Other Revenue Receivable
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
Line of credit receivable
Line of Credit Receivable
Line Of Credit Receivable [Member]
Line Of Credit Receivable
Beneficial Interests [Abstract]
Beneficial Interests
Class of Stock [Domain]
Class of Stock [Domain]
Statement of Cash Flows [Abstract]
Beneficial interest assets
Beneficial Interest, Asset, Measurement Input
Beneficial Interest, Asset, Measurement Input
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]
Pay vs Performance Disclosure
Pay vs Performance Disclosure [Table]
Entity Filer Category
Entity Filer Category
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
Schedule of Stock Option Activity
Schedule of Stock Options Roll Forward [Table Text Block]
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
Concentration Risk Benchmark [Domain]
Concentration Risk Benchmark [Domain]
Financial Asset, Period Past Due [Axis]
Financial Asset, Aging [Axis]
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
Loans held in consolidated securitization
Loans Held In Consolidated Securitization, Fair Value Disclosure
Loans Held In Consolidated Securitization, Fair Value Disclosure
Entity Address, Address Line Two
Entity Address, Address Line Two
Schedule of Stock by Class [Table]
Stock, Class of Stock [Table]
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
Provision for income taxes
Income Tax Expense (Benefit)
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]
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
Valuation Technique, Discounted Cash Flow
Valuation Technique, Discounted Cash Flow [Member]
Statement [Table]
Statement [Table]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Table]
Share-Based Payment Arrangement, Expensed and Capitalized, Amount [Table]
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]
Borrower acquisition costs
Borrower acquisition costs
Borrower Acquisition Costs
Borrower Acquisition Costs