Condensed Consolidated Statements of Operations and Comprehensive Loss - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2025	Mar. 31, 2024
Revenue:
Revenue from fees, net		$ 185,475	$ 138,068
Interest income, interest expense, and fair value adjustments, net:
Interest income	[1]	40,568	51,171
Interest expense	[1]	(7,020)	(10,714)
Fair value and other adjustments	[1]	(5,652)	(50,731)
Total interest income, interest expense, and fair value adjustments, net		27,896	(10,274)
Total revenue		213,371	127,794
Operating expenses:
Sales and marketing		58,970	35,150
Customer operations		40,501	39,408
Engineering and product development		57,838	63,091
General, administrative, and other		60,558	57,613
Total operating expenses		217,867	195,262
Loss from operations		(4,496)	(67,468)
Other income, net		2,078	2,884
Net loss before income taxes		(2,418)	(64,584)
Provision for income taxes		29	14
Net loss		$ (2,447)	$ (64,598)
Net loss per share, basic (in dollars per share)		$ (0.03)	$ (0.74)
Net loss per share, diluted (in dollars per share)		$ (0.03)	$ (0.74)
Weighted-average number of shares outstanding used in computing net loss per share, basic (in shares)		94,274,538	87,030,695
Weighted-average number of shares outstanding used in computing net loss per share, diluted (in shares)		94,274,538	87,030,695

[1] Balances for the three months ended March 31, 2024 and 2025 include amounts related to the consolidated securitization. Refer to “Note 2. Revenue” for details.