XML 62 R51.htm IDEA: XBRL DOCUMENT
v3.23.3

Borrowings - Additional Information (Detail) |  |  | 3 Months Ended | 9 Months Ended |  |  |
--- | --- | --- | --- | --- | --- | --- | ---
Jul. 19, 2023 USD ($) | Feb. 16, 2023 USD ($) | Sep. 30, 2023 USD ($) | Sep. 30, 2022 USD ($) | Sep. 30, 2023 USD ($) | Sep. 30, 2022 USD ($) | Aug. 31, 2023 USD ($) installment | Jul. 18, 2023 USD ($) | Dec. 31, 2022 USD ($)
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Secured borrowing payable held by variable interest entity | [1] |  |  | $ 0 |  | $ 0 |  |  |  | $ 756,000
Interest expense |  |  |  | 11,483,000 | $ 8,513,000 | 32,807,000 | $ 22,795,000 |  |  |
Amortized debt issuance costs |  |  |  | 594,000 | 582,000 | 1,872,000 | 1,626,000 |  |  |
Debt issuance costs, net | [1] |  |  | 4,217,000 |  | 4,217,000 |  |  |  | 4,049,000
Secured borrowing payable |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Extinguishment of debt, amount |  |  | $ 100,000 |  |  |  |  |  |  |
Finance receivable purchased |  |  |  |  |  |  |  |  |  | 165,000,000
Secured borrowing payable held by variable interest entity |  |  |  |  |  |  |  |  |  | 800,000
Interest expense |  |  |  | 0 | 100,000 | 10,000 | 1,300,000 |  |  |
Capitalized issuance costs |  |  |  |  |  | 200,000 |  |  |  |
Amortized debt issuance costs |  |  |  | 0 | 0 | 0 | 0 |  |  |
Debt issuance costs, net |  |  |  | 0 |  | 0 |  |  |  | 0
Line of credit facility, maximum borrowing capacity |  |  |  | 0 |  | 0 |  |  |  |
Senior debt, net |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Capitalized issuance costs |  |  |  |  |  | 2,200,000 |  |  |  |
Line of credit facility, maximum borrowing capacity |  |  |  | 525,000,000 |  | 525,000,000 |  |  |  |
Senior debt, net | Revolving Line Of Credit, Maturing January 2024, Opportunity Funding SPE III, LLC |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Interest expense |  |  |  | 0 | 2,800,000 | 0 | 8,000,000 |  |  |
Amortized debt issuance costs |  |  |  | 0 | 100,000 | 0 | 500,000 |  |  |
Debt issuance costs, net |  |  |  | 0 |  | 0 |  |  |  | 0
Senior debt, net | Revolving Line Of Credit, Maturing April 2024, Opportunity Funding SPE V, LLC; Opportunity Funding SPE VII, LLC |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Interest expense |  |  |  | 4,700,000 | 2,900,000 | 13,600,000 | 5,500,000 |  |  |
Capitalized issuance costs |  |  |  |  |  | 4,100,000 |  |  |  |
Amortized debt issuance costs |  |  |  | 200,000 | 100,000 | 500,000 | 400,000 |  |  |
Debt issuance costs, net |  |  |  | 2,200,000 |  | 2,200,000 |  |  |  | 1,300,000
Senior debt, net | Revolving Line Of Credit, Maturing April 2023, Opportunity Funding SPE VI, LLC |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Interest expense |  |  |  | 0 |  | 0 | 1,600,000 |  |  |
Capitalized issuance costs |  |  |  |  |  | 900,000 |  |  |  |
Amortized debt issuance costs |  |  |  | 0 |  | 0 | 100,000 |  |  |
Debt issuance costs, net |  |  |  | 0 |  | 0 |  |  |  | 0
Senior debt, net | Revolving Line Of Credit, Maturing February 2024, Opportunity Funding SPE IV, LLC; SalaryTap Funding SPE, LLC |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Interest expense |  |  |  | 0 | 100,000 | 6,000 | 300,000 |  |  |
Capitalized issuance costs |  |  |  |  |  | 1,100,000 |  |  |  |
Amortized debt issuance costs |  |  |  | 9,000 | 100,000 | 200,000 | 200,000 |  |  |
Debt issuance costs, net |  |  |  | 0 |  | 0 |  |  |  | 200,000
Line of credit facility, maximum borrowing capacity |  |  |  | 0 |  | $ 0 |  |  |  |
Basis spread on variable rate |  |  |  |  |  | 3.85% |  |  |  |
Senior debt, net | Revolving Line Of Credit, Maturing February 2024, Opportunity Funding SPE IV, LLC; SalaryTap Funding SPE, LLC | Secured Overnight Financing Rate (SOFR) |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Basis spread on variable rate |  |  |  |  |  | 0.11% |  |  |  |
Senior debt, net | Revolving Line Of Credit, Maturing December 2026, Opportunity Funding SPE IX, LLC |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Interest expense |  |  |  | 3,100,000 |  | $ 8,900,000 |  |  |  |
Capitalized issuance costs |  |  |  |  |  | 2,500,000 |  |  |  |
Amortized debt issuance costs |  |  |  | 200,000 |  | 600,000 |  |  |  |
Debt issuance costs, net |  |  |  | 1,800,000 |  | 1,800,000 |  |  |  | 2,200,000
Line of credit facility, maximum borrowing capacity |  |  |  | 150,000,000 |  | $ 150,000,000 |  |  |  |
Senior debt, net | Revolving Line Of Credit, Maturing December 2026, Opportunity Funding SPE IX, LLC | Secured Overnight Financing Rate (SOFR) |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Basis spread on variable rate |  |  |  |  |  | 7.50% |  |  |  |
Senior debt, net | Revolving Line Of Credit, Maturing April 2025, Gray Rock SPV, LLC |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Interest expense |  |  |  | 1,700,000 | 1,000,000 | $ 4,400,000 | 1,500,000 |  |  |
Capitalized issuance costs |  |  |  |  |  | 500,000 |  |  |  |
Amortized debt issuance costs |  |  |  | 39,000 | 100,000 | 100,000 | 100,000 |  |  |
Debt issuance costs, net |  |  |  | 200,000 |  | 200,000 |  |  |  | 400,000
Line of credit facility, maximum borrowing capacity |  |  |  | 75,000,000 |  | $ 75,000,000 |  |  |  |
Senior debt, net | Revolving Line Of Credit, Maturing April 2025, Gray Rock SPV, LLC | Secured Overnight Financing Rate (SOFR) |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Basis spread on variable rate |  |  |  |  |  | 7.25% |  |  |  |
Senior debt, net | Term loan, net |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Interest expense |  |  |  | 2,000,000 | 1,600,000 | $ 5,700,000 | 4,600,000 |  |  |
Capitalized issuance costs |  |  |  |  |  | 2,400,000 |  |  |  |
Amortized debt issuance costs |  |  |  | 200,000 | 200,000 | 400,000 | 400,000 |  |  |
Debt issuance costs, net |  |  |  | 700,000 |  | 700,000 |  |  |  | 1,000,000
Line of credit facility, maximum borrowing capacity |  |  |  | 50,000,000 |  | 50,000,000 |  |  |  |
Principal amount of debt |  |  |  | 50,000,000 |  | 50,000,000 |  |  |  | $ 50,000,000
Line of Credit | A&R Credit Agreement |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Line of credit facility, maximum borrowing capacity |  | $ 250,000,000 |  |  |  |  |  |  | $ 200,000,000 |
Line of Credit | A&R Credit Agreement | Secured Overnight Financing Rate (SOFR) |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Basis spread on variable rate |  | 7.50% |  |  |  |  |  |  |  |
Line of Credit | A And R Credit Agreement , Tranche B, Maturing July 2027 |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Line of credit facility, maximum borrowing capacity |  | $ 125,000,000 |  |  |  |  |  |  |  |
Line of Credit | A And R Credit Agreement , Tranche C, Maturing July 2027 |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Line of credit facility, maximum borrowing capacity |  | 125,000,000 |  |  |  |  |  |  |  |
Line of credit facility, accordion feature, increase limit |  | 25,000,000 |  |  |  |  |  |  |  |
Line of credit facility, accordion feature, maximum borrowing capacity |  | $ 150,000,000 |  |  |  |  |  |  |  |
Total notes payable |  |  |  |  |  |  |  |  |  |
Short-term Debt [Line Items] |  |  |  |  |  |  |  |  |  |
Interest expense |  |  |  | 26,000 | $ 2,000 | 77,000 | $ 4,000 |  |  |
Line of credit facility, maximum borrowing capacity |  |  |  | $ 2,173,000 |  | $ 2,173,000 |  |  |  |
Face amount |  |  |  |  |  |  |  | $ 2,400,000 |  |
Number of installments | installment |  |  |  |  |  |  |  | 10 |  |
Installment costs |  |  |  |  |  |  |  | $ 200,000 |  |
[1] | (1) Includes amounts in consolidated variable interest entities ("VIEs") presented separately in the table below.

X
- Definition Debt Instrument, Installment Amount + References No definition available. + Details
Name: | opfi_DebtInstrumentInstallmentAmount
Namespace Prefix: | opfi_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

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 Line of Credit Facility, Accordion Feature, Increase Limit + References No definition available. + Details
Name: | opfi_LineOfCreditFacilityAccordionFeatureIncreaseLimit
Namespace Prefix: | opfi_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Line of Credit Facility, Accordion Feature, Maximum Borrowing Capacity + References No definition available. + Details
Name: | opfi_LineOfCreditFacilityAccordionFeatureMaximumBorrowingCapacity
Namespace Prefix: | opfi_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Number Of Installments + References No definition available. + Details
Name: | opfi_NumberOfInstallments
Namespace Prefix: | opfi_
Data Type: | xbrli:integerItemType
Balance Type: | na
Period Type: | instant

X
- Definition Amount of amortization expense attributable to debt issuance costs. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 470 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Subparagraph (b)(2) -Publisher FASB -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 230 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 28 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 835 -SubTopic 30 -Name Accounting Standards Codification -Section 45 -Paragraph 3 -Publisher FASB -URI https://asc.fasb.org//1943274/2147482925/835-30-45-3 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 220 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 2 -Subparagraph (SX 210.5-03(8)) -Publisher FASB -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2 + 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://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(22)) -SubTopic 10 -Topic 210 -Publisher FASB -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 942 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(16)) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 470 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 4 -Subparagraph (b)(1) -Publisher FASB -URI https://asc.fasb.org//1943274/2147481139/470-20-50-4 + Details
Name: | us-gaap_DebtInstrumentCarryingAmount
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Face (par) amount of debt instrument at time of issuance. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 835 -SubTopic 30 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org//1943274/2147482900/835-30-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 470 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 1B -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 470 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 69B -Publisher FASB -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69B Reference 4: http://www.xbrl.org/2003/role/exampleRef -Topic 470 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 69C -Publisher FASB -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69C Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 45 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org//1943274/2147482925/835-30-45-2 Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 55 -Paragraph 8 -Publisher FASB -URI https://asc.fasb.org//1943274/2147482949/835-30-55-8 + Details
Name: | us-gaap_DebtInstrumentFaceAmount
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
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 -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 45 -Paragraph 3 -Publisher FASB -URI https://asc.fasb.org//1943274/2147482925/835-30-45-3 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 470 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D + 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 -Name Accounting Standards Codification -Topic 835 -SubTopic 20 -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org//1943274/2147483013/835-20-50-1 + 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/exampleRef -Topic 470 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 69E -Publisher FASB -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69E Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 470 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 69F -Publisher FASB -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69F Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 470 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 220 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 2 -Subparagraph (SX 210.5-03.8) -Publisher FASB -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 470 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org//1943274/2147481139/470-20-50-6 + Details
Name: | us-gaap_InterestExpenseDebt
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
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 -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.19(b),22(b)) -Publisher FASB -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1 + Details
Name: | us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

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 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(22)) -SubTopic 10 -Topic 210 -Publisher FASB -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-03(a)(16)(a)(2)) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 942 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(16)) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1 + 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_LongtermDebtTypeAxis=us-gaap_SecuredDebtMember
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_RevolvingLineOfCreditMaturingJanuary2024OpportunityFundingSPEIIILLCMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_CreditFacilityAxis=opfi_RevolvingLineOfCreditMaturingApril2024OpportunityFundingSPEVLLCOpportunityFundingSPEVIILLCMember
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: | us-gaap_VariableRateAxis=opfi_SecuredOvernightFinancingRateSOFRMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_CreditFacilityAxis=opfi_RevolvingLineOfCreditMaturingDecember2026OpportunityFundingSPEIXLLCMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_CreditFacilityAxis=opfi_RevolvingLineOfCreditMaturingApril2025GrayRockSPVLLCMember
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_LongtermDebtTypeAxis=us-gaap_LineOfCreditMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

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

X
- Details
Name: | us-gaap_CreditFacilityAxis=opfi_AAndRCreditAgreementTrancheBMaturingJuly2027Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_CreditFacilityAxis=opfi_AAndRCreditAgreementTrancheCMaturingJuly2027Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

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