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Debt - Schedule of Debt (Details) - USD ($)
 3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Dec. 31, 2025
Mar. 31, 2024
Debt Instrument [Line Items]            
Total, before unamortized debt issuance costs, premiums and discounts $ 3,312,940,000   $ 3,312,940,000   $ 1,830,629,000  
Less: unamortized debt issuance costs, premiums and discounts (12,396,000)   (12,396,000)   (15,467,000)  
Total debt 3,300,544,000   3,300,544,000   1,815,162,000  
Debt discounts issued     0      
Amount not available for general borrowing purposes to secure letter of credit 4,100,000   4,100,000   4,700,000  
Asset Pledged as Collateral            
Debt Instrument [Line Items]            
Amount not available for general borrowing purposes to secure letter of credit $ 46,700,000   $ 46,700,000   46,700,000  
Minimum            
Debt Instrument [Line Items]            
Unused commitment fee percentage     0.00%      
Maximum            
Debt Instrument [Line Items]            
Unused commitment fee percentage     0.50%      
Convertible notes | Convertible senior notes, due 2026            
Debt Instrument [Line Items]            
Stated Interest Rate 0.00%   0.00%      
Total, before unamortized debt issuance costs, premiums and discounts $ 428,022,000   $ 428,022,000   428,022,000  
Less: unamortized debt issuance costs, premiums and discounts (500,000)   (500,000)   (1,500,000)  
Interest expense $ 500,000 $ 500,000 $ 900,000 $ 900,000    
Effective interest rate 0.43% 0.43% 0.43% 0.43%    
Net carrying amount $ 427,500,000   $ 427,500,000   426,600,000  
Convertible notes | Convertible senior notes, due 2029            
Debt Instrument [Line Items]            
Stated Interest Rate 1.25%   1.25%     1.25%
Total, before unamortized debt issuance costs, premiums and discounts $ 862,500,000   $ 862,500,000   862,500,000  
Less: unamortized debt issuance costs, premiums and discounts (11,900,000)   (11,900,000)   (14,000,000.0)  
Interest expense $ 3,800,000 $ 3,800,000 $ 7,500,000 $ 7,500,000    
Effective interest rate 1.75% 1.75% 1.76% 1.76%    
Net carrying amount $ 850,600,000   $ 850,600,000   848,500,000  
Contractual interest expense 2,700,000 $ 2,700,000 5,400,000 $ 5,400,000    
Amortization of discounts and issuance costs 1,100,000 $ 1,100,000 2,200,000 $ 2,100,000    
Other financing | Other financing            
Debt Instrument [Line Items]            
Total Collateral 1,810,956,000   1,810,956,000      
Total Capacity 1,253,245,000   1,253,245,000      
Total, before unamortized debt issuance costs, premiums and discounts 0   0   0  
Other financing | Other financing | Loans at fair value            
Debt Instrument [Line Items]            
Total Collateral 1,300,000,000   1,300,000,000      
Other financing | Other financing | Securities Investment            
Debt Instrument [Line Items]            
Total Collateral 472,000,000.0   472,000,000.0      
Student loan securitizations            
Debt Instrument [Line Items]            
Total Collateral 56,248,000   56,248,000      
Total, before unamortized debt issuance costs, premiums and discounts $ 48,111,000   $ 48,111,000   54,107,000  
Student loan securitizations | Minimum            
Debt Instrument [Line Items]            
Stated Interest Rate 3.09%   3.09%      
Student loan securitizations | Maximum            
Debt Instrument [Line Items]            
Stated Interest Rate 3.73%   3.73%      
Secured Debt | Asset Pledged as Collateral            
Debt Instrument [Line Items]            
Total Capacity $ 1,200,000,000   $ 1,200,000,000      
Unsecured Debt            
Debt Instrument [Line Items]            
Total Capacity 50,000,000.0   50,000,000.0      
Personal loan warehouse facilities | Line of Credit            
Debt Instrument [Line Items]            
Total Collateral 880,039,000   880,039,000      
Total Capacity 3,700,000,000   3,700,000,000      
Total, before unamortized debt issuance costs, premiums and discounts $ 736,684,000   $ 736,684,000   0  
Personal loan warehouse facilities | Line of Credit | Minimum            
Debt Instrument [Line Items]            
Stated Interest Rate 4.28%   4.28%      
Personal loan warehouse facilities | Line of Credit | Maximum            
Debt Instrument [Line Items]            
Stated Interest Rate 4.88%   4.88%      
Student loan warehouse facilities | Line of Credit            
Debt Instrument [Line Items]            
Total Collateral $ 879,611,000   $ 879,611,000      
Total Capacity 3,480,000,000   3,480,000,000      
Total, before unamortized debt issuance costs, premiums and discounts $ 751,623,000   $ 751,623,000   0  
Student loan warehouse facilities | Line of Credit | Minimum            
Debt Instrument [Line Items]            
Stated Interest Rate 4.18%   4.18%      
Student loan warehouse facilities | Line of Credit | Maximum            
Debt Instrument [Line Items]            
Stated Interest Rate 4.82%   4.82%      
Revolving credit facility | Line of Credit            
Debt Instrument [Line Items]            
Amount not available for general borrowing purposes to secure letter of credit $ 11,400,000   $ 11,400,000      
Revolving credit facility | Revolving credit facility            
Debt Instrument [Line Items]            
Stated Interest Rate 5.25%   5.25%      
Total Capacity $ 645,000,000   $ 645,000,000      
Total, before unamortized debt issuance costs, premiums and discounts 486,000,000   486,000,000   486,000,000  
Less: unamortized debt issuance costs, premiums and discounts $ (800,000)   $ (800,000)   $ (1,000,000.0)