v3.26.3
Securitizations (Details)
$ in Thousands
 1 Months Ended 3 Months Ended 9 Months Ended
Sep. 15, 2026
USD ($)
Aug. 31, 2026
USD ($)
class
Jul. 15, 2026
USD ($)
Nov. 30, 2024
USD ($)
class
Aug. 31, 2026
USD ($)
class
Sep. 30, 2026
USD ($)
class
Sep. 30, 2026
USD ($)
class
Dec. 31, 2025
USD ($)
Sep. 30, 2025
USD ($)
Nov. 01, 2024
USD ($)
Mar. 28, 2024
USD ($)
Feb. 14, 2024
USD ($)
Sep. 25, 2023
USD ($)
class
Aug. 31, 2023
USD ($)
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust [1]           $ 320,350 $ 320,350 $ 149,902            
Borrower loans, at fair value           215,711 215,711 309,737            
Restricted cash           $ 147,800 [1] $ 147,800 [1] 94,363 [1] $ 142,647          
Period of time interest payments are not due (in years)   2 years   2 years 2 years 2 years 2 years              
Securitization Trust PMCC 2024-1                            
Variable Interest Entity [Line Items]                            
Securitization amount                   $ 2,200        
VIE, Primary Beneficiary                            
Variable Interest Entity [Line Items]                            
Contractual threshold           10.00%                
Notes issued by securitization trust           $ 320,350 $ 320,350 149,902            
Borrower loans, at fair value           0 0 64,400            
Restricted cash           $ 9,009 $ 9,009 $ 11,892            
VIE, Primary Beneficiary | Securtization Trust PMT 2023-1                            
Variable Interest Entity [Line Items]                            
Securitization amount                         $ 266,100 $ 275,900
Number of classes issued | class                         5  
Unamortized debt issuance costs     $ 300                   $ 800  
Debt issuance costs                         2,700  
Borrower loans, at fair value     20,200                      
Proceeds from sale     20,000                      
Payment for loan     26,300                      
Restricted cash     1,400                      
VIE, Primary Beneficiary | 2023-1, Class A Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust                         $ 165,500  
Interest rate (as a percent)                         0.0706  
VIE, Primary Beneficiary | 2023-1, Class B Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust                         $ 25,400  
Interest rate (as a percent)                         0.0748  
VIE, Primary Beneficiary | 2023-1, Class C Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust                         $ 25,100  
Interest rate (as a percent)                         0.0829  
VIE, Primary Beneficiary | 2023-1, Class D Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust                         $ 22,300  
Interest rate (as a percent)                         0.1124  
VIE, Primary Beneficiary | 2023-1, Class E Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust                         $ 13,100  
Interest rate (as a percent)                         0.1549  
VIE, Primary Beneficiary | Securtization Trust PMIT 2024-1                            
Variable Interest Entity [Line Items]                            
Securitization amount                     $ 138,000 $ 148,900    
Number of classes issued | class           4 4              
Debt issuance costs           $ 1,500 $ 1,500              
Borrower loans, at fair value $ 8,800                          
Proceeds from sale 8,700                          
Payment for loan 11,300                          
Restricted cash 200                          
VIE, Primary Beneficiary | 2024-1, Class A Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust           $ 105,200 $ 105,200              
Interest rate (as a percent)           0.0612 0.0612              
VIE, Primary Beneficiary | 2024-1, Class B Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust           $ 10,800 $ 10,800              
Interest rate (as a percent)           0.0613 0.0613              
VIE, Primary Beneficiary | 2024-1, Class C Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust           $ 10,300 $ 10,300              
Interest rate (as a percent)           0.0696 0.0696              
VIE, Primary Beneficiary | 2024-1, Class D Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust           $ 10,200 $ 10,200              
Interest rate (as a percent)           0.1098 0.1098              
VIE, Primary Beneficiary | Securitization Trust PMCC 2024-1                            
Variable Interest Entity [Line Items]                            
Securitization amount   $ 89,300   $ 90,900 $ 89,300         $ 94,700        
Number of classes issued | class       4                    
Unamortized debt issuance costs   300   $ 300 300                  
Debt issuance costs       2,200                    
Payment for loan   83,200                        
VIE, Primary Beneficiary | Securtization Trust PMCC 2024-1, Class A Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust       $ 46,300                    
Interest rate (as a percent)       0.0615                    
VIE, Primary Beneficiary | Securtization Trust PMCC 2024-1, Class B Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust       $ 10,700                    
Interest rate (as a percent)       0.0715                    
VIE, Primary Beneficiary | Securtization Trust PMCC 2024-1, Class C Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust       $ 11,100                    
Interest rate (as a percent)       0.1005                    
VIE, Primary Beneficiary | Securtization Trust PMCC 2024-1, Class D Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust       $ 14,800                    
Interest rate (as a percent)       0.1464                    
Principal payments not due period (in years)       2 years                    
VIE, Primary Beneficiary | Securitization Trust PMCC 2026-1                            
Variable Interest Entity [Line Items]                            
Securitization amount   $ 89,300     $ 89,300                  
Number of classes issued | class   6     6                  
Notes issued by securitization trust           $ 324,100 $ 324,100              
Unamortized debt issuance costs   $ 3,700     $ 3,700                  
Borrower loans, at fair value   244,100     244,100 348,800 348,800              
Proceeds from sale         $ 322,000                  
Restricted cash           $ 3,500 $ 3,500              
Principal payments not due period (in years)         2 years                  
Unamortized discount   300     $ 300                  
Maximum contractual advance rate, percent             0.935              
Least dilutional balance, percent (as a percent)             1.00%              
VIE, Primary Beneficiary | Securtization Trust PMCC 2026-1, Class A Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust   $ 114,100     $ 114,100                  
Interest rate (as a percent)   0.0534     0.0534                  
VIE, Primary Beneficiary | Securtization Trust PMCC 2026-1, Class B Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust   $ 28,300     $ 28,300                  
Interest rate (as a percent)   0.0569     0.0569                  
VIE, Primary Beneficiary | Securtization Trust PMCC 2026-1, Class C Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust   $ 34,600     $ 34,600                  
Interest rate (as a percent)   0.0608     0.0608                  
VIE, Primary Beneficiary | Securtization Trust PMCC 2026-1, Class D Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust   $ 44,100     $ 44,100                  
Interest rate (as a percent)   0.0642     0.0642                  
VIE, Primary Beneficiary | Securtization Trust PMCC 2026-1, Class E Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust   $ 48,100     $ 48,100                  
Interest rate (as a percent)   0.0783     0.0783                  
VIE, Primary Beneficiary | Securtization Trust PMCC 2026-1, Class F Notes                            
Variable Interest Entity [Line Items]                            
Notes issued by securitization trust   $ 53,000     $ 53,000                  
Interest rate (as a percent)   0.1118     0.1118                  
VIE, Primary Beneficiary | Securtization Trust PMCC 2026-1 Notes                            
Variable Interest Entity [Line Items]                            
Securitization amount   $ 333,400     $ 333,400                  
Notes issued by securitization trust   $ 322,300     $ 322,300                  
Prosper Funding LLC | Securtization Trust PMT 2023-1                            
Variable Interest Entity [Line Items]                            
Securitization amount 1,300   2,600                      
Borrower loans, at fair value $ 500   $ 1,100                      
[1] Includes amounts in consolidated variable interest entities (“VIEs”) presented separately in the table below.`
The following table presents the assets and liabilities of consolidated VIEs, which are included in the condensed consolidated balance sheets above. The assets in the table below may only be used to settle obligations of consolidated VIEs and are in excess of those obligations. Additionally, the assets and liabilities in the table below include third-party assets and liabilities of consolidated VIEs only and exclude intercompany balances that eliminate in consolidation. Refer to Note 7, Securitizations, and Note 11, Debt, within the notes to the condensed consolidated financial statements for additional information.

September 30, 2026December 31, 2025
Assets of consolidated VIEs, included in total assets above:
Restricted Cash$9,009 $11,892 
Accounts Receivable3,967 1,376 
Borrower Loans, at Fair Value— 64,400 
Receivable from Credit Card Partner, at Fair Value398,414 99,865 
Total assets of consolidated VIEs$411,390 $177,533 
Liabilities of consolidated VIEs, included in total liabilities above:
Notes Issued by Securitization Trust$320,350 $149,902 
Other Liabilities8,273 2,163 
Total liabilities of consolidated VIEs$328,623 $152,065