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Borrowings - Warehouse Credit Facilities (Details) - USD ($) |  |  | 6 Months Ended |
--- | --- | --- | --- | ---
Jun. 27, 2025 | Jun. 26, 2025 | Jun. 30, 2025 | Dec. 31, 2024
Line of Credit Facility [Line Items] |  |  |  |
Total payments due |  |  | $ 1,449,649,000 | $ 1,425,984,000
Revolving Credit Facility | Upstart Auto Warehouse Trust | Variable Interest Entity, Primary Beneficiary |  |  |  |
Line of Credit Facility [Line Items] |  |  |  |
Maximum borrowing capacity |  |  | 0 |
Assets pledged as collateral |  |  | 0 | 167,166,000
Total payments due |  |  | $ 0 | 23,228,000
Basis spread on variable rate |  |  | 3.00% |
Revolving Credit Facility | Upstart Auto Warehouse Trust 2 | Variable Interest Entity, Primary Beneficiary |  |  |  |
Line of Credit Facility [Line Items] |  |  |  |
Maximum borrowing capacity |  |  | $ 50,000,000 |
Assets pledged as collateral |  |  | 11,000 | 19,396,000
Total payments due |  |  | $ 0 | 11,353,000
Revolving Credit Facility | Upstart Auto Warehouse Trust 2 | Variable Interest Entity, Primary Beneficiary | Minimum |  |  |  |
Line of Credit Facility [Line Items] |  |  |  |
Basis spread on variable rate |  |  | 0.00% |
Revolving Credit Facility | Upstart Auto Warehouse Trust 2 | Variable Interest Entity, Primary Beneficiary | Maximum |  |  |  |
Line of Credit Facility [Line Items] |  |  |  |
Basis spread on variable rate |  |  | 4.00% |
Revolving Credit Facility | Upstart Loan Trust |  |  |  |
Line of Credit Facility [Line Items] |  |  |  |
Maximum borrowing capacity |  |  | $ 325,000,000 |
Assets pledged as collateral |  |  | 181,728,000 | 74,541,000
Total payments due |  |  | $ 115,232,000 | 34,217,000
Basis spread on variable rate | 2.40% | 2.80% |  |
Revolving Credit Facility | Upstart Loan Trust | Minimum |  |  |  |
Line of Credit Facility [Line Items] |  |  |  |
Basis spread on variable rate |  |  | 2.40% |
Revolving Credit Facility | Upstart Loan Trust | Maximum |  |  |  |
Line of Credit Facility [Line Items] |  |  |  |
Basis spread on variable rate |  |  | 3.80% |
Revolving Credit Facility | Upstart Small Dollar Loan Trust |  |  |  |
Line of Credit Facility [Line Items] |  |  |  |
Maximum borrowing capacity |  |  | $ 100,000,000 |
Assets pledged as collateral |  |  | 134,723,000 | 108,980,000
Total payments due |  |  | $ 74,307,000 | 61,807,000
Commitment fee threshold |  |  | 75.00% |
Basis spread on variable rate |  |  | 5.50% |
Revolving Credit Facility | Upstart High Yield Loan Trust |  |  |  |
Line of Credit Facility [Line Items] |  |  |  |
Maximum borrowing capacity |  |  | $ 150,000,000 |
Assets pledged as collateral |  |  | 7,000 | 87,493,000
Total payments due |  |  | $ 0 | 65,000,000
Basis spread on variable rate |  |  | 2.80% |
Revolving Credit Facility | Warehouse credit facilities |  |  |  |
Line of Credit Facility [Line Items] |  |  |  |
Maximum borrowing capacity |  |  | $ 625,000,000 |
Assets pledged as collateral |  |  | 316,469,000 | 457,576,000
Total payments due |  |  | $ 189,539,000 | $ 195,605,000
Revolving Credit Facility | Warehouse credit facilities | Minimum |  |  |  |
Line of Credit Facility [Line Items] |  |  |  |
Unused commitment fee |  |  | 0.50% |
Revolving Credit Facility | Warehouse credit facilities | Maximum |  |  |  |
Line of Credit Facility [Line Items] |  |  |  |
Unused commitment fee |  |  | 1.00% |
Revolving Credit Facility | ULT Warehouse Credit Facility - UnCommitted |  |  |  |
Line of Credit Facility [Line Items] |  |  |  |
Maximum borrowing capacity |  |  | $ 150,000,000 |

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