XML 65 R51.htm IDEA: XBRL DOCUMENT
v3.21.2

Borrowings - Additional Information (Detail) |  |  |  |  |  |  |  |  | 1 Months Ended | 3 Months Ended | 9 Months Ended | 12 Months Ended |  |  |  |  |
--- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | ---
Sep. 30, 2021 USD ($) | Sep. 13, 2021 USD ($) | Mar. 30, 2021 USD ($) | Mar. 29, 2021 USD ($) | Mar. 23, 2021 | Mar. 22, 2021 | Jan. 31, 2020 USD ($) | Jan. 23, 2018 USD ($) | May 31, 2020 USD ($) | Aug. 31, 2019 USD ($) | Apr. 30, 2019 USD ($) | Sep. 30, 2021 USD ($) | Sep. 30, 2020 USD ($) | Sep. 30, 2021 USD ($) | Sep. 30, 2020 USD ($) | Dec. 31, 2018 USD ($) state | Dec. 31, 2020 USD ($) | Apr. 30, 2020 USD ($) | Apr. 13, 2020 USD ($) | Nov. 30, 2018 USD ($) | Aug. 13, 2018 USD ($)
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Secured debt | [1] | $ 19,791,000 |  |  |  |  |  |  |  |  |  |  | $ 19,791,000 |  | $ 19,791,000 |  |  | $ 16,025,000 |  |  |  |
Interest expense |  |  |  |  |  |  |  |  |  |  |  |  | 5,842,000 | $ 4,038,000 | 15,535,000 | $ 14,710,000 |  |  |  |  |  |
Amortized debt issuance costs |  |  |  |  |  |  |  |  |  |  |  |  | 572,000 | 474,000 | 1,735,000 | 1,451,000 |  |  |  |  |  |
Debt issuance costs, net | [1] | 1,650,000 |  |  |  |  |  |  |  |  |  |  | 1,650,000 |  | 1,650,000 |  |  | 2,598,000 |  |  |  |
Interest expense paid |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16,046,000 | 15,692,000 |  |  |  |  |  |
Outstanding debt |  | 50,000,000 |  |  |  |  |  |  |  |  |  |  | 50,000,000 |  | 50,000,000 |  |  |  |  |  |  |
Interest expense paid to related party |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 141,000 | 137,000 | 420,000 |  |  |  |  |  |
Paycheck Protection Program, CARES Act |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest expense |  |  |  |  |  |  |  |  |  |  |  |  | 13,000 |  | 90,000 |  |  |  |  |  |  |
Outstanding debt |  | 0 |  |  |  |  |  |  |  |  |  |  | 0 |  | 0 |  |  |  |  |  |  |
Paycheck Protection Program, CARES Act | Extinguishment of Debt, Principal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Extinguishment of debt, amount |  |  | $ 6,354,000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Paycheck Protection Program, CARES Act | Extinguishment of Debt, Interest |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest expense |  |  | $ 90,000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Secured borrowing payable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Purchase commitment by the unrelated third party |  |  |  |  |  |  |  |  |  | $ 165,000,000 |  |  |  |  |  |  | $ 65,000,000 |  |  |  |  |
Purchase commitment by the unrelated third party, additional commitment |  |  |  |  |  |  |  |  |  | $ 100,000,000 |  |  |  |  |  |  | $ 100,000,000 |  |  |  |  |
Finance receivable purchased |  | 126,964,000 |  |  |  |  |  |  |  |  |  |  | 126,964,000 |  | 126,964,000 |  |  | 79,816,000 |  |  |  |
Secured debt |  | 19,791,000 |  |  |  |  |  |  |  |  |  |  | 19,791,000 |  | 19,791,000 |  |  | 16,025,000 |  |  |  |
Interest expense |  |  |  |  |  |  |  |  |  |  |  |  | 655,000 | 475,000 | 2,027,000 | 1,585,000 |  |  |  |  |  |
Capitalized issuance costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 168,000 |  |  |  |  |  |  |
Amortized debt issuance costs |  |  |  |  |  |  |  |  |  |  |  |  | 4,000 | 13,000 | 29,000 | 38,000 |  |  |  |  |  |
Debt issuance costs, net |  | 0 |  |  |  |  |  |  |  |  |  |  | 0 |  | 0 |  |  | 30,000 |  |  |  |
Debt agreement, maximum available amount |  | 38,036,000 |  |  |  |  |  |  |  |  |  |  | 38,036,000 |  | 38,036,000 |  |  |  |  |  |  |
Outstanding debt |  | 19,791,000 |  |  |  |  |  |  |  |  |  |  | 19,791,000 |  | 19,791,000 |  |  | 16,025,000 |  |  |  |
Secured borrowing payable | SPE II, LLC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Percentage of unsecured finance receivable sold |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.50% |  |  |  |  |
Percentage of preferred return |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.00% |  |  |  |  |
Term of extension |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 year |  |  |  |  |
Number of options to renew | state |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  |  |  |
Term of purchase period renewal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18 months |  |  |  |  |
Senior debt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Debt agreement, maximum available amount |  | 395,000,000 |  |  |  |  |  |  |  |  |  |  | 395,000,000 |  | 395,000,000 |  |  |  |  |  |  |
Outstanding debt |  | 205,968,000 |  |  |  |  |  |  |  |  |  |  | 205,968,000 |  | 205,968,000 |  |  | 131,726,000 |  |  |  |
Senior debt | Revolving Line Of Credit, Maturing February 2022, OppFi-LLC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Capitalized issuance costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 294,000 |  |  |  |  |  |  |
Amortized debt issuance costs |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 3,000 | 21,000 | 19,000 |  |  |  |  |  |
Debt issuance costs, net |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21,000 |  |  |  |
Debt agreement, maximum available amount |  | 0 |  |  |  |  |  |  |  |  |  |  | 0 |  | 0 |  |  |  |  |  |  | $ 10,000,000
Interest expense paid |  |  |  |  |  |  |  |  |  |  |  |  |  | 39,000 | 35,000 | 123,000 |  |  |  |  |  |
Outstanding debt |  | 0 |  |  |  |  |  |  |  |  |  |  | 0 |  | 0 |  |  | 5,000,000 |  |  |  |
Senior debt | Revolving Line Of Credit, Maturing January 2024, Opportunity Funding SPE III, LLC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest expense |  |  |  |  |  |  |  |  |  |  |  |  | 1,908,000 | 1,514,000 | 5,094,000 | 6,051,000 |  |  |  |  |  |
Capitalized issuance costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,100,000 |  |  |  |  |  |  |
Amortized debt issuance costs |  |  |  |  |  |  |  |  |  |  |  |  | 177,000 | 171,000 | 530,000 | 565,000 |  |  |  |  |  |
Debt issuance costs, net |  | 942,000 |  |  |  |  |  |  |  |  |  |  | 942,000 |  | 942,000 |  |  | 1,453,000 |  |  |  |
Debt agreement, maximum available amount |  | 175,000,000 |  |  |  |  |  | $ 175,000,000 | $ 75,000,000 |  |  |  | 175,000,000 |  | 175,000,000 |  |  |  |  |  |  |
Debt agreement, interest payment frequency |  |  |  |  |  |  |  |  | monthly |  |  |  |  |  |  |  |  |  |  |  |  |
Basis for effective rate |  |  |  |  |  |  |  | one-month LIBOR plus 6 percent with a 2 percent LIBOR floor |  |  |  |  |  |  |  |  |  |  |  |  |  |
Outstanding debt |  | 87,500,000 |  |  |  |  |  |  |  |  |  |  | 87,500,000 |  | 87,500,000 |  |  | 59,200,000 |  |  |  |
Senior debt | Revolving Line Of Credit, Maturing April 2023, Opportunity Funding SPE V, LLC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest expense |  |  |  |  |  |  |  |  |  |  |  |  | 966,000 | 742,000 | 2,531,000 | 2,742,000 |  |  |  |  |  |
Capitalized issuance costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,158,000 |  |  |  |  |  |  |
Amortized debt issuance costs |  |  |  |  |  |  |  |  |  |  |  |  | 106,000 | 100,000 | 318,000 | 283,000 |  |  |  |  |  |
Debt issuance costs, net |  | 230,000 |  |  |  |  |  |  |  |  |  |  | 230,000 |  | 230,000 |  |  | 538,000 |  |  |  |
Debt agreement, maximum available amount |  | 75,000,000 |  |  |  |  |  |  |  |  |  | $ 75,000,000 | 75,000,000 |  | 75,000,000 |  |  |  |  |  |  |
Debt agreement, interest payment frequency |  |  |  |  |  |  |  |  |  |  |  | monthly |  |  |  |  |  |  |  |  |  |
Outstanding debt |  | 37,500,000 |  |  |  |  |  |  |  |  |  |  | 37,500,000 |  | 37,500,000 |  |  | 24,222,000 |  |  |  |
Senior debt | Revolving Line Of Credit, Maturing April 2023, Opportunity Funding SPE VI, LLC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest expense |  |  |  |  |  |  |  |  |  |  |  |  | 644,000 | 494,000 | 1,688,000 | 1,843,000 |  |  |  |  |  |
Capitalized issuance costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 918,000 |  |  |  |  |  |  |
Amortized debt issuance costs |  |  |  |  |  |  |  |  |  |  |  |  | 83,000 | 76,000 | 247,000 | 227,000 |  |  |  |  |  |
Debt issuance costs, net |  | 178,000 |  |  |  |  |  |  |  |  |  |  | 178,000 |  | 178,000 |  |  | 425,000 |  |  |  |
Debt agreement, maximum available amount |  | 50,000,000 |  |  |  |  |  |  |  |  |  | $ 50,000,000 | 50,000,000 |  | 50,000,000 |  |  |  |  |  |  |
Debt agreement, interest payment frequency |  |  |  |  |  |  |  |  |  |  |  | monthly |  |  |  |  |  |  |  |  |  |
Outstanding debt |  | 25,000,000 |  |  |  |  |  |  |  |  |  |  | 25,000,000 |  | 25,000,000 |  |  | 16,148,000 |  |  |  |
Senior debt | Revolving Line Of Credit, Maturing February 2024, Opportunity Funding SPE IV, LLC; SalaryTap Funding SPE, LLC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest expense |  |  |  |  |  |  |  |  |  |  |  |  | 110,000 | 104,000 | 332,000 | 401,000 |  |  |  |  |  |
Capitalized issuance costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 626,000 |  |  |  |  |  |  |
Amortized debt issuance costs |  |  |  |  |  |  |  |  |  |  |  |  | 93,000 | 52,000 | 308,000 | 148,000 |  |  |  |  |  |
Debt issuance costs, net |  | 50,000 |  |  |  |  |  |  |  |  |  |  | 50,000 |  | 50,000 |  |  | 131,000 |  |  |  |
Debt agreement, maximum available amount |  | $ 45,000,000 |  |  |  |  |  |  |  |  | $ 25,000,000 |  | 45,000,000 |  | 45,000,000 |  |  |  |  |  |  |
Debt agreement, interest payment frequency |  |  |  |  |  |  |  |  |  |  | monthly |  |  |  |  |  |  |  |  |  |  |
Basis for effective rate |  | LIBOR plus 3.85% with a 0.4% LIBOR floor |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Outstanding debt |  | $ 7,500,000 |  |  |  |  |  |  |  |  |  |  | 7,500,000 |  | 7,500,000 |  |  | 12,506,000 |  |  |  |
Senior debt | Revolving Line Of Credit, Maturing February 2024, Opportunity Funding SPE IV, LLC; SalaryTap Funding SPE, LLC | SalaryTap Funding SPE, LLC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Capitalized issuance costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 250,000 |  |  |  |  |  |  |
Debt issuance costs, net |  | 250,000 |  |  |  |  |  |  |  |  |  |  | 250,000 |  | 250,000 |  |  |  |  |  |  |
Senior debt | Term loan, net |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest expense |  |  |  |  |  |  |  |  |  |  |  |  | 1,546,000 | 670,000 | 3,738,000 | 1,965,000 |  |  |  |  |  |
Capitalized issuance costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,295,000 |  |  |  |  |  |  |
Amortized debt issuance costs |  |  |  |  |  |  |  |  |  |  |  |  | 109,000 | 59,000 | 282,000 | 171,000 |  |  |  |  |  |
Debt issuance costs, net |  | 1,532,000 |  |  |  |  |  |  |  |  |  |  | 1,532,000 |  | 1,532,000 |  |  | 331,000 |  |  |  |
Debt agreement, maximum available amount |  | 50,000,000 |  |  |  |  |  |  |  |  |  |  | 50,000,000 |  | 50,000,000 |  |  |  | $ 50,000,000 |  | $ 25,000,000 |
Principal amount of debt |  | 50,000,000 |  |  |  |  |  |  |  |  |  |  | 50,000,000 |  | 50,000,000 |  |  | 15,000,000 |  |  |  |
Proceeds from draw down of available commitment |  |  |  | $ 35,000,000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Outstanding debt |  | 48,468,000 |  |  |  |  |  |  |  |  |  |  | 48,468,000 |  | 48,468,000 |  |  | 14,650,000 |  |  |  |
Unamortized discount |  | $ 0 |  |  |  |  |  |  |  |  |  |  | 0 |  | $ 0 |  |  | 19,000 |  |  |  |
Senior debt | London Interbank Offered Rate (LIBOR) | Revolving Line Of Credit, Maturing February 2022, OppFi-LLC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Basis spread on variable rate |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.50% |  |  |  |  |  |  |
Senior debt | London Interbank Offered Rate (LIBOR) | Revolving Line Of Credit, Maturing January 2024, Opportunity Funding SPE III, LLC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Basis spread on variable rate |  |  |  |  |  |  |  | 6.00% |  |  |  |  |  |  | 6.00% |  |  |  |  |  |  |
Basis spread on variable rate floor |  |  |  |  |  |  |  | 2.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Senior debt | London Interbank Offered Rate (LIBOR) | Revolving Line Of Credit, Maturing April 2023, Opportunity Funding SPE V, LLC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Basis spread on variable rate |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.25% |  |  |  |  |  |  |
Senior debt | London Interbank Offered Rate (LIBOR) | Revolving Line Of Credit, Maturing April 2023, Opportunity Funding SPE VI, LLC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Basis spread on variable rate |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.25% |  |  |  |  |  |  |
Senior debt | London Interbank Offered Rate (LIBOR) | Revolving Line Of Credit, Maturing February 2024, Opportunity Funding SPE IV, LLC; SalaryTap Funding SPE, LLC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Basis spread on variable rate |  | 3.85% |  |  |  |  |  |  |  |  | 4.25% |  |  |  | 3.85% |  |  |  |  |  |  |
Basis spread on variable rate floor |  | 0.40% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Senior debt | London Interbank Offered Rate (LIBOR) | Term loan, net |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Basis spread on variable rate |  |  |  |  |  | 10.00% | 14.00% |  |  |  |  |  |  |  | 10.00% |  |  |  |  |  |  |
Subordinated debt - related party |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Debt agreement, maximum available amount |  | $ 0 |  |  | $ 4,000,000 |  |  |  |  |  |  |  | 0 |  | $ 0 |  |  |  |  |  |  |
Debt agreement, interest payment frequency |  |  |  |  | quarterly |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Outstanding debt |  | 0 |  |  |  |  |  |  |  |  |  |  | 0 |  | 0 |  |  | 4,000,000 |  |  |  |
Interest expense paid to related party |  |  |  |  |  |  |  |  |  |  |  |  |  | $ 141,000 | 137,000 | $ 420,000 |  |  |  |  |  |
Other debt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Debt agreement, maximum available amount |  | 0 |  |  |  |  |  |  |  |  |  |  | 0 |  | 0 |  |  |  |  | $ 6,354,000 |  |
Outstanding debt |  | $ 0 |  |  |  |  |  |  |  |  |  |  | $ 0 |  | $ 0 |  |  | $ 6,354,000 |  |  |  |
[1] | (1) Includes amounts in consolidated variable interest entities ("VIEs") presented separately in the table below.

X
- Definition Debt Instrument, Basis Spread On Variable Rate, Variable Rate Floor + References No definition available. + Details
Name: | opfi_DebtInstrumentBasisSpreadOnVariableRateVariableRateFloor
Namespace Prefix: | opfi_
Data Type: | dtr-types:percentItemType
Balance Type: | na
Period Type: | duration

X
- Definition Debt Instrument, Number Of Options To Renew + References No definition available. + Details
Name: | opfi_DebtInstrumentNumberOfOptionsToRenew
Namespace Prefix: | opfi_
Data Type: | xbrli:integerItemType
Balance Type: | na
Period Type: | duration

X
- Definition Debt Instrument, Term Of Extension + References No definition available. + Details
Name: | opfi_DebtInstrumentTermOfExtension
Namespace Prefix: | opfi_
Data Type: | xbrli:durationItemType
Balance Type: | na
Period Type: | duration

X
- Definition Debt Instrument, Term Of Purchase Period Renewal + References No definition available. + Details
Name: | opfi_DebtInstrumentTermOfPurchasePeriodRenewal
Namespace Prefix: | opfi_
Data Type: | xbrli:durationItemType
Balance Type: | na
Period Type: | duration

X
- Definition Finance receivable purchased. + References No definition available. + Details
Name: | opfi_FinanceReceivablePurchased
Namespace Prefix: | opfi_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Percentage of preferred return. + References No definition available. + Details
Name: | opfi_PercentageOfPreferredReturn
Namespace Prefix: | opfi_
Data Type: | dtr-types:percentItemType
Balance Type: | na
Period Type: | duration

X
- Definition Percentage of unsecured finance receivable sold. + References No definition available. + Details
Name: | opfi_PercentageOfUnsecuredFinanceReceivableSold
Namespace Prefix: | opfi_
Data Type: | dtr-types:percentItemType
Balance Type: | na
Period Type: | duration

X
- Definition Purchase commitment by the unrelated third party, additional commitment. + References No definition available. + Details
Name: | opfi_PurchaseCommitmentByUnrelatedThirdPartyAdditionalCommitment
Namespace Prefix: | opfi_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of amortization expense attributable to debt issuance costs. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 28 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=123570139&loc=d3e3602-108585 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 220 -SubTopic 10 -Section S99 -Paragraph 2 -Subparagraph (SX 210.5-03(8)) -URI http://asc.fasb.org/extlink&oid=123367319&loc=SL114868664-224227 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 470 -SubTopic 20 -Section 50 -Paragraph 1F -Subparagraph (b)(2) -URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495355-112611 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 45 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=124435984&loc=d3e28555-108399 + Details
Name: | us-gaap_AmortizationOfFinancingCosts
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Percentage points added to the reference rate to compute the variable rate on the debt instrument. + References No definition available. + Details
Name: | us-gaap_DebtInstrumentBasisSpreadOnVariableRate1
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:percentItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount, before unamortized (discount) premium and debt issuance costs, of long-term debt. Includes, but is not limited to, notes payable, bonds payable, commercial loans, mortgage loans, convertible debt, subordinated debt and other types of debt. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 470 -SubTopic 20 -Section 50 -Paragraph 4 -Subparagraph (b)(1) -URI http://asc.fasb.org/extlink&oid=123466204&loc=SL6031897-161870 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-03(16)) -URI http://asc.fasb.org/extlink&oid=120400017&loc=d3e572229-122910 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(22)) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(16)) -URI http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878 + Details
Name: | us-gaap_DebtInstrumentCarryingAmount
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Description of the frequency of periodic payments (monthly, quarterly, annual). + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.22) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 470 -Section 50 -Paragraph 3 -Subparagraph (c) -URI http://asc.fasb.org/extlink&oid=123599511&loc=d3e64711-112823 + Details
Name: | us-gaap_DebtInstrumentFrequencyOfPeriodicPayment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Description of any adjustments made to the stated rate to determine the effective rate. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=124435984&loc=d3e28551-108399 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.22(a)(1)) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 + Details
Name: | us-gaap_DebtInstrumentInterestRateBasisForEffectiveRate
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount, after accumulated amortization, of debt discount (premium). + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 45 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=124435984&loc=d3e28555-108399 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=124435984&loc=d3e28551-108399 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 45 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=124435984&loc=d3e28567-108399 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 45 -Paragraph 1A -URI http://asc.fasb.org/extlink&oid=124435984&loc=d3e28541-108399 Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 470 -SubTopic 20 -Section 50 -Paragraph 1D -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495340-112611 Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 55 -Paragraph 8 -URI http://asc.fasb.org/extlink&oid=114775985&loc=d3e28878-108400 + Details
Name: | us-gaap_DebtInstrumentUnamortizedDiscountPremiumNet
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount, after accumulated amortization, of debt issuance costs. Includes, but is not limited to, legal, accounting, underwriting, printing, and registration costs. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.17) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 470 -SubTopic 20 -Section 50 -Paragraph 1D -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495340-112611 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 45 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=124435984&loc=d3e28555-108399 + Details
Name: | us-gaap_DeferredFinanceCostsNet
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Gross amount of debt extinguished. + References No definition available. + Details
Name: | us-gaap_ExtinguishmentOfDebtAmount
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of interest capitalized during the period. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 20 -Section 50 -Paragraph 1 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=6450988&loc=d3e26243-108391 + Details
Name: | us-gaap_InterestCostsCapitalized
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of the cost of borrowed funds accounted for as interest expense for debt. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 470 -SubTopic 20 -Section 50 -Paragraph 6 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=123466204&loc=SL6036836-161870 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 220 -SubTopic 10 -Section S99 -Paragraph 2 -Subparagraph (SX 210.5-03.8) -URI http://asc.fasb.org/extlink&oid=123367319&loc=SL114868664-224227 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 470 -SubTopic 20 -Section 55 -Paragraph 69F -URI http://asc.fasb.org/extlink&oid=123466577&loc=SL123495745-112612 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 470 -SubTopic 20 -Section 55 -Paragraph 69E -URI http://asc.fasb.org/extlink&oid=123466577&loc=SL123495743-112612 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 470 -SubTopic 20 -Section 50 -Paragraph 1F -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495355-112611 + Details
Name: | us-gaap_InterestExpenseDebt
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of interest expense incurred on a debt or other obligation to related party. + References No definition available. + Details
Name: | us-gaap_InterestExpenseRelatedParty
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of cash paid for interest, excluding capitalized interest, classified as operating activity. Includes, but is not limited to, payment to settle zero-coupon bond for accreted interest of debt discount and debt instrument with insignificant coupon interest rate in relation to effective interest rate of borrowing attributable to accreted interest of debt discount. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 50 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=123431023&loc=d3e4297-108586 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 17 -Subparagraph (d) -URI http://asc.fasb.org/extlink&oid=123570139&loc=d3e3367-108585 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 25 -Subparagraph (e) -URI http://asc.fasb.org/extlink&oid=123570139&loc=d3e3536-108585 + Details
Name: | us-gaap_InterestPaidNet
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Maximum borrowing capacity under the credit facility without consideration of any current restrictions on the amount that could be borrowed or the amounts currently outstanding under the facility. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.19(b),22(b)) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 + Details
Name: | us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount, after unamortized (discount) premium and debt issuance costs, of long-term debt. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 470 -SubTopic 20 -Section 50 -Paragraph 4 -Subparagraph (b)(3) -URI http://asc.fasb.org/extlink&oid=123466204&loc=SL6031897-161870 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 470 -SubTopic 20 -Section 55 -Paragraph 69C -URI http://asc.fasb.org/extlink&oid=123466577&loc=SL123495737-112612 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-03(a)(16)) -URI http://asc.fasb.org/extlink&oid=120400017&loc=d3e572229-122910 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 470 -SubTopic 20 -Section 55 -Paragraph 69B -URI http://asc.fasb.org/extlink&oid=123466577&loc=SL123495735-112612 Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(16)) -URI http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 470 -SubTopic 20 -Section 50 -Paragraph 1D -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495340-112611 Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(22)) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 + Details
Name: | us-gaap_LongTermDebt
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition The minimum amount the entity agreed to spend under the long-term purchase commitment. + References No definition available. + Details
Name: | us-gaap_LongTermPurchaseCommitmentAmount
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount of cash inflow from contractual arrangement with the lender, including but not limited to, letter of credit, standby letter of credit and revolving credit arrangements. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 14 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=123570139&loc=d3e3255-108585 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 235 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.4-08(f)) -URI http://asc.fasb.org/extlink&oid=120395691&loc=d3e23780-122690 + Details
Name: | us-gaap_ProceedsFromLinesOfCredit
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Carrying value as of the balance sheet date, including the current and noncurrent portions, of collateralized debt obligations (with maturities initially due after one year or beyond the operating cycle, if longer). Such obligations include mortgage loans, chattel loans, and any other borrowings secured by assets of the borrower. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-03(a)(16)) -URI http://asc.fasb.org/extlink&oid=120400017&loc=d3e572229-122910 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(16)) -URI http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(22)) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 + Details
Name: | us-gaap_SecuredDebt
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. + References No definition available. + Details
Name: | us-gaap_ShortTermDebtLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Details
Name: | us-gaap_DebtInstrumentAxis=opfi_PaycheckProtectionProgramCARESActMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_ExtinguishmentOfDebtAxis=opfi_ExtinguishmentOfDebtPrincipalMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_ExtinguishmentOfDebtAxis=opfi_ExtinguishmentOfDebtInterestMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_LongtermDebtTypeAxis=us-gaap_SecuredDebtMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | srt_ConsolidatedEntitiesAxis=opfi_SpeIiLlcMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_LongtermDebtTypeAxis=us-gaap_SeniorNotesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_CreditFacilityAxis=opfi_RevolvingLineOfCreditMaturingFebruary2022OppFiLLCMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_CreditFacilityAxis=opfi_RevolvingLineOfCreditMaturingJanuary2024OpportunityFundingSPEIIILLCMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_CreditFacilityAxis=opfi_RevolvingLineOfCreditMaturingApril2023OpportunityFundingSPEVLLCMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_CreditFacilityAxis=opfi_RevolvingLineOfCreditMaturingApril2023OpportunityFundingSPEVILLCMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_CreditFacilityAxis=opfi_RevolvingLineOfCreditMaturingFebruary2024OpportunityFundingSPEIVLLCSalaryTapFundingSPELLCMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | srt_CounterpartyNameAxis=opfi_SalaryTapFundingSPELLCMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_CreditFacilityAxis=opfi_TermLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_VariableRateAxis=us-gaap_LondonInterbankOfferedRateLIBORMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_LongtermDebtTypeAxis=us-gaap_SubordinatedDebtMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_LongtermDebtTypeAxis=opfi_OtherLongTermDebtMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |