v3.26.3
Segments - Schedule of Segment Reporting Information, by Segment (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2026
Sep. 30, 2025
Sep. 30, 2026
Sep. 30, 2025
Segment Reporting [Line Items]        
Total Net Revenue $ 105,778 $ 59,186 $ 235,504 $ 153,500
Accelerated amortization of debt issuance costs and debt discounts 584   584  
Impact of interest rates on fair value of loans held in consolidated trusts   (205) 73 138
Less: Segment Operating Expenses        
Compensation and Benefits (21,984) (19,980) (64,666) (60,395)
Marketing and Advertising (22,509) (14,970) (59,704) (39,522)
Transaction Costs (5,788) (4,962) (15,770) (14,316)
Other Expenses (7,811) (7,963) (23,322) (21,828)
Segment Adjusted EBITDA 48,270 11,106 72,699 17,577
Depreciation expense:        
Origination and Servicing (3,487) (3,006) (11,003) (8,470)
General and Administrative — Other (177) (169) (515) (669)
Stock-based compensation (298) (317) (1,093) (993)
Change in Fair Value of Convertible Preferred Stock Warrants 48 (35,121) 58,056 (37,254)
Impact of interest rates on fair value of loans held in consolidated trusts   205 (73) (138)
Interest income on cash and cash equivalents 937 790 2,569 2,194
Interest Expense on Term Loan (2,023) (2,952) (6,000) (9,007)
Accelerated amortization of debt issuance costs and debt discounts, EBITDA (584)   (584)  
Net Income (Loss) Before Taxes 42,686 (29,464) 114,056 (36,760)
Interest Income (Expense) Included in Segment Adjusted EBITDA        
Interest Income on Financial Instruments 19,718 19,485 51,686 63,852
Interest Expense on Financial Instruments (12,521) (14,522) (36,666) (46,283)
Accelerated amortization of debt issuance costs and debt discounts 584   584  
Total Interest Income, Net 7,781 4,963 15,604 17,569
Personal Loan        
Segment Reporting [Line Items]        
Total Net Revenue 69,850 50,674 178,052 141,723
Accelerated amortization of debt issuance costs and debt discounts 305   305  
Impact of interest rates on fair value of loans held in consolidated trusts   (205) 73 138
Less: Segment Operating Expenses        
Compensation and Benefits (18,865) (17,757) (55,544) (52,765)
Marketing and Advertising (16,604) (11,851) (43,883) (33,230)
Transaction Costs (1,925) (2,039) (5,159) (5,552)
Other Expenses (7,461) (7,700) (22,476) (21,283)
Segment Adjusted EBITDA 25,300 11,122 51,368 29,031
Interest Income (Expense) Included in Segment Adjusted EBITDA        
Interest Income on Financial Instruments 8,852 13,645 29,875 44,729
Interest Expense on Financial Instruments (8,840) (12,479) (28,900) (40,233)
Accelerated amortization of debt issuance costs and debt discounts 305   305  
Total Interest Income, Net 317 1,166 1,280 4,496
Credit Card        
Segment Reporting [Line Items]        
Total Net Revenue 35,928 8,512 57,452 11,777
Accelerated amortization of debt issuance costs and debt discounts 279   279  
Impact of interest rates on fair value of loans held in consolidated trusts   0 0 0
Less: Segment Operating Expenses        
Compensation and Benefits (3,119) (2,223) (9,122) (7,630)
Marketing and Advertising (5,905) (3,119) (15,821) (6,292)
Transaction Costs (3,863) (2,923) (10,611) (8,764)
Other Expenses (350) (263) (846) (545)
Segment Adjusted EBITDA 22,970 (16) 21,331 (11,454)
Interest Income (Expense) Included in Segment Adjusted EBITDA        
Interest Income on Financial Instruments 10,866 5,840 21,811 19,123
Interest Expense on Financial Instruments (3,681) (2,043) (7,766) (6,050)
Accelerated amortization of debt issuance costs and debt discounts 279   279  
Total Interest Income, Net $ 7,464 $ 3,797 $ 14,324 $ 13,073