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Balance Sheet Components (Tables)
 12 Months Ended
Dec. 31, 2025
Other Assets [Abstract]  
Schedule of Other Assets
Other assets consisted of the following:
December 31, 2024December 31, 2025
Notes receivable and residual certificates (at fair value)(1)(3)
22,055 97,416 
Receivables48,233 46,647 
Loan servicing assets (at fair value)(1)
27,439 40,941 
Prepaid expenses28,830 39,658 
Other assets19,321 17,379 
Intangible assets, net(2)
9,431 8,289 
Deposits5,185 5,057 
Total other assets$160,494 $255,387 
_________
(1)Refer to “Note 5. Fair Value Measurement” for further information.
(2)Refer to “Note 6. Goodwill and Intangible Assets” for further information.
(3)Refer to “Note 8. Borrowings” for further information on securitization notes pledged as collateral as part of the risk retention financing facility.
Schedule of Property, Equipment, and Software
Property, equipment, and software, net consisted of the following:
December 31, 2024December 31, 2025
Internally developed software$68,481 $95,923 
Leasehold improvements15,069 15,519 
Computer and networking equipment6,069 6,358 
Furniture and fixtures4,795 4,795 
Total property, equipment, and software94,414 122,595 
Accumulated depreciation and amortization(55,401)(78,421)
Total property, equipment, and software, net$39,013 $44,174 
Schedule of Accrued Expenses and Other Liabilities
Accrued expenses and other liabilities consisted of the following:
December 31, 2024December 31, 2025
Accrued expenses$37,781 $68,232 
Accrued payroll64,514 49,275 
Accounts payable12,381 31,981 
Other liabilities3,241 6,788 
Trailing fee liability (at fair value)4,614 5,761 
Beneficial interest liabilities (at fair value)10,089 5,075 
Loan servicing liabilities (at fair value)1,180 4,383 
Total accrued expenses and other liabilities$133,800 $171,495