Consolidated Statements of Operations and Comprehensive Income (Loss) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Revenue:
Revenue from fees, net		$ 950,011	$ 635,466	$ 560,431
Interest income, interest expense, and fair value adjustments, net:
Interest income	[1]	204,230	186,360	168,996
Interest expense	[1]	(31,664)	(40,433)	(34,894)
Fair value and other adjustments	[1]	(78,720)	(144,865)	(180,971)
Total interest income, interest expense, and fair value adjustments, net		93,846	1,062	(46,869)
Total revenue		1,043,857	636,528	513,562
Operating expenses:
Sales and marketing		301,507	166,800	127,143
Customer operations		188,377	157,996	150,418
Engineering and product development		257,602	253,653	280,138
General, administrative, and other		253,740	230,935	212,388
Total operating expenses		1,001,226	809,384	770,087
Income (loss) from operations		42,631	(172,856)	(256,525)
Other income, net		24,324	18,793	21,206
Expense on convertible notes		(19,872)	(7,694)	(4,706)
Gain on debt extinguishment		7,246	33,361	0
Net income (loss) before income taxes		54,329	(128,396)	(240,025)
Provision for income taxes		728	185	107
Net income (loss)		$ 53,601	$ (128,581)	$ (240,132)
Net income (loss) per share, basic (in dollars per share)		$ 0.56	$ (1.44)	$ (2.87)
Net income (loss) per share, diluted (in dollars per share)		$ 0.45	$ (1.44)	$ (2.87)
Weighted-average number of shares outstanding used in computing net income (loss) per share, basic (in shares)		96,030,558	89,450,038	83,765,896
Weighted-average number of shares outstanding used in computing net income (loss) per share, diluted (in shares)		107,492,735	89,450,038	83,765,896

[1] Balances for the years ended December 31, 2023, 2024 and 2025 include amounts related to the consolidated securitization. Refer to “Note 2. Revenue” for details.