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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Thousands
 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Cash flows from operating activities:    
Net income $ 727,056 $ 660,692
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 181,345 194,543
Amortization of discounts and premiums and other non-cash adjustments (546,560) (537,806)
Non-cash lease expense 28,372 31,475
Share-based compensation 612,577 631,791
Gain on revaluation of equity investments (1,456) (2,483)
Remeasurement gain on bitcoin investment (118,814) (163,288)
Transaction, loan, and consumer receivable losses 463,779 357,541
Change in deferred income taxes 52,019 3,528
Purchases and originations of loans originally classified as held for sale (10,634,603) (6,911,321)
Proceeds from repayments of loans originally classified as held for sale 10,163,789 6,585,211
Changes in operating assets and liabilities:    
Settlements receivable (258,566) (829,379)
Customers payable 315,632 871,931
Settlements payable (330) (8,134)
Other assets and liabilities (476,582) 124,486
Net cash provided by operating activities 507,658 1,008,787
Cash flows from investing activities:    
Purchases of marketable debt securities (282,149) (757,335)
Proceeds from maturities of marketable debt securities 278,624 458,029
Proceeds from sale of marketable debt securities 373,759 395,455
Payments for originations of consumer receivables (14,638,790) (12,866,904)
Proceeds from principal repayments and sales of consumer receivables 15,494,483 13,727,603
Purchases and originations of loans originally classified as held for investment (1,164,089) 0
Proceeds from repayments of loans originally classified as held for investment 457,152 0
Purchases of property and equipment (63,192) (70,355)
Purchases of other investments (26,870) (19,079)
Net cash provided by investing activities 428,928 867,414
Cash flows from financing activities:    
Proceeds from issuance of senior notes 0 2,000,000
Payments of debt issuance costs from issuance of senior notes 0 (26,619)
Payments to redeem convertible notes (1,000,624) 0
Proceeds from warehouse facilities borrowings 435,497 319,634
Repayments of warehouse facilities borrowings (1,242,317) (968,045)
Proceeds from the exercise of stock options and purchases under the employee stock purchase plan 51,082 86,201
Net increase in interest-bearing deposits 54,792 41,969
Repurchases of common stock (1,137,502) (641,603)
Other financing activities (35,330) (18,473)
Change in customer funds, restricted from use in the Company's operations 754,942 380,283
Net cash provided by (used in) financing activities (2,119,460) 1,173,347
Effect of foreign exchange rate on cash and cash equivalents 94,932 (39,771)
Net increase (decrease) in cash, cash equivalents, restricted cash, and customer funds (1,087,942) 3,009,777
Cash, cash equivalents, restricted cash, and customer funds, beginning of the period 13,230,512 9,009,087
Cash, cash equivalents, restricted cash, and customer funds, end of the period 12,142,570 12,018,864
Reconciliation of cash, cash equivalents, restricted cash, and customer funds:    
Cash and cash equivalents 6,384,224 7,799,093
Short-term restricted cash 745,519 597,855
Long-term restricted cash 75,013 71,203
Customer funds cash and cash equivalents 4,937,814 3,550,713
Total $ 12,142,570 $ 12,018,864