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Business Segment Information - Schedule of Financial Results (Details)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2026
USD ($)
Jun. 30, 2025
USD ($)
Jun. 30, 2026
USD ($)
segment
Jun. 30, 2025
USD ($)
Segment Reporting [Line Items]        
Net interest income (expense) $ 788,195 $ 517,837 $ 1,481,183 $ 1,016,563
Noninterest income 430,481 337,107 837,861 610,140
Noninterest loss (1,000,612) (732,717) (1,892,533) (1,419,016)
Total net revenue 1,218,676 854,944 2,319,044 1,626,703
Provision for credit losses (13,755) (10,035) (22,650) (15,713)
Directly attributable expenses :        
Compensation and benefits (343,353) (269,799) $ (673,080) (538,405)
Number of reportable segments | segment     3  
Operating Segments        
Segment Reporting [Line Items]        
Net interest income (expense) 823,372 566,263 $ 1,551,698 1,100,496
Noninterest income 452,209 349,615 869,932 635,301
Total net revenue 1,275,581 915,878 2,421,630 1,735,797
Provision for credit losses (13,756) (10,031) (22,646) (15,670)
Servicing rights – change in valuation inputs or assumptions (13,142) 3,274 (26,305) 2,200
Residual interests classified as debt – change in valuation inputs or assumptions 16 12 43 47
Directly attributable expenses :        
Directly attributable expenses (625,218) (442,996) (1,159,272) (838,057)
Contribution profit 623,481 466,137 1,213,450 884,317
Intercompany expenses 27,805 18,182 52,542 34,377
Operating Segments | Lending        
Segment Reporting [Line Items]        
Net interest income (expense) 573,298 372,675 1,073,529 733,296
Noninterest income 151,500 70,837 293,689 123,589
Total net revenue 724,798 443,512 1,367,218 856,885
Provision for credit losses 0 0 0 0
Servicing rights – change in valuation inputs or assumptions (13,142) 3,274 (26,305) 2,200
Residual interests classified as debt – change in valuation inputs or assumptions 16 12 43 47
Directly attributable expenses :        
Compensation and benefits (58,486) (42,749) (110,735) (78,638)
Direct advertising (119,825) (79,313) (216,730) (147,082)
Lead generation (89,006) (49,558) (148,150) (89,803)
Loan origination and servicing costs (29,387) (19,634) (54,083) (38,355)
Product fulfillment 0 0 0 0
Tools and subscriptions 0 0 0 0
Member incentives 0 0 0 0
Professional services (5,463) (3,505) (9,324) (5,740)
Intercompany technology platform expenses (654) (477) (1,266) (966)
Other (9,818) (6,852) (19,249) (14,903)
Directly attributable expenses (312,639) (202,088) (559,537) (375,487)
Contribution profit 399,033 244,710 781,419 483,645
Operating Segments | Technology Platform        
Segment Reporting [Line Items]        
Net interest income (expense) 1,022 266 1,377 679
Noninterest income 83,483 109,567 158,214 212,581
Total net revenue 84,505 109,833 159,591 213,260
Provision for credit losses 0 0 0 0
Servicing rights – change in valuation inputs or assumptions 0 0 0 0
Residual interests classified as debt – change in valuation inputs or assumptions 0 0 0 0
Directly attributable expenses :        
Compensation and benefits (51,804) (44,168) (97,894) (88,654)
Direct advertising 0 0 0 0
Lead generation 0 0 0 0
Loan origination and servicing costs 0 0 0 0
Product fulfillment (2,423) (15,250) (4,950) (29,212)
Tools and subscriptions (8,209) (10,688) (15,200) (17,578)
Member incentives 0 0 0 0
Professional services (4,515) (3,906) (8,826) (6,576)
Intercompany technology platform expenses 0 0 0 0
Other (5,782) (2,626) (8,950) (7,132)
Directly attributable expenses (72,733) (76,638) (135,820) (149,152)
Contribution profit 11,772 33,195 23,771 64,108
Operating Segments | Financial Services        
Segment Reporting [Line Items]        
Net interest income (expense) 249,052 193,322 476,792 366,521
Noninterest income 217,226 169,211 418,029 299,131
Total net revenue 466,278 362,533 894,821 665,652
Provision for credit losses (13,756) (10,031) (22,646) (15,670)
Servicing rights – change in valuation inputs or assumptions 0 0 0 0
Residual interests classified as debt – change in valuation inputs or assumptions 0 0 0 0
Directly attributable expenses :        
Compensation and benefits (59,966) (38,143) (117,391) (80,622)
Direct advertising (3,659) (8,423) (15,653) (14,099)
Lead generation (55,372) (33,180) (106,996) (64,848)
Loan origination and servicing costs 0 0 0 0
Product fulfillment (30,781) (19,036) (57,378) (37,737)
Tools and subscriptions 0 0 0 0
Member incentives (31,357) (18,003) (55,991) (34,086)
Professional services (8,209) (6,475) (17,858) (13,732)
Intercompany technology platform expenses (15,088) (13,320) (27,815) (24,341)
Other (35,414) (27,690) (64,833) (43,953)
Directly attributable expenses (239,846) (164,270) (463,915) (313,418)
Contribution profit 212,676 188,232 408,260 336,564
Corporate / Other        
Segment Reporting [Line Items]        
Net interest income (expense) (35,177) (48,426) (70,515) (83,933)
Noninterest loss (21,728) (12,508) (32,071) (25,161)
Total net revenue $ (56,905) $ (60,934) $ (102,586) $ (109,094)