XML 81 R69.htm IDEA: XBRL DOCUMENT
v3.25.1

Related Party Transactions - Narrative (Details) $ / shares in Units, $ in Thousands |  | 3 Months Ended |  |  |  |  |
--- | --- | --- | --- | --- | --- | --- | ---
Mar. 10, 2023 USD ($) tranche $ / shares shares | Mar. 31, 2025 USD ($) $ / shares | Mar. 31, 2024 USD ($) | Dec. 31, 2024 USD ($) $ / shares | Oct. 23, 2024 USD ($) $ / shares shares | Apr. 26, 2024 USD ($) | Jun. 16, 2023 USD ($) | Sep. 14, 2022 USD ($)
Related Party Transaction [Line Items] |  |  |  |  |  |  |  |
Warrants issued (in shares) | shares | 4,193,453 |  |  |  |  |  |  |
Warrants issued, exercise price (in USD per share) | $ / shares | $ 0.01 | $ 0.01 |  | $ 0.01 |  |  |  |
Interest expense |  | $ 57,403 | $ 54,465 |  |  |  |  |
Interest income |  | 220,221 | 230,590 |  |  |  |  |
Asset-backed borrowings at amortized cost |  | 1,281,274 |  | $ 984,333 |  |  |  |
Corporate financing |  | 199,669 |  | 203,751 |  |  |  |
Personal Loans |  |  |  |  |  |  |  |
Related Party Transaction [Line Items] |  |  |  |  |  |  |  |
Loan origination commitment, next twelve months, maximum amount |  |  |  |  |  |  | $ 300,000 |
Asset-Backed Notes |  |  |  |  |  |  |  |
Related Party Transaction [Line Items] |  |  |  |  |  |  |  |
Original amount |  | $ 2,100,000 |  | 2,475,000 |  |  |  |
Asset-Backed Notes | Senior Secured Term Loans |  |  |  |  |  |  |  |
Related Party Transaction [Line Items] |  |  |  |  |  |  |  |
Original amount |  |  |  |  | $ 235,000 |  |  |
Beneficial Owner |  |  |  |  |  |  |  |
Related Party Transaction [Line Items] |  |  |  |  |  |  |  |
Warrants issued (in shares) | shares | 4,193,453 |  |  |  | 2,426,503 |  |  |
Warrants issued, exercise price (in USD per share) | $ / shares | $ 0.01 |  |  |  | $ 0.01 |  |  |
Ownership percentage in stocks (greater than) |  | 10.00% |  |  |  |  |  |
Loans receivable at fair value |  | $ 204,300 |  | 241,300 |  |  |  |
Asset-backed borrowings at amortized cost |  | 213,000 |  | 247,900 |  |  |  |
Corporate financing |  | 99,800 |  | $ 101,900 |  |  |  |
Beneficial Owner | Personal Loans |  |  |  |  |  |  |  |
Related Party Transaction [Line Items] |  |  |  |  |  |  |  |
Loan origination commitment, maximum amount |  |  |  |  |  | $ 370,900 |  |
Financing receivable, transfers |  | 0 | 400 |  |  |  |  |
Interest income |  | 16,300 | 4,800 |  |  |  |  |
Beneficial Owner | New Corporate Financing Facility |  |  |  |  |  |  |  |
Related Party Transaction [Line Items] |  |  |  |  |  |  |  |
Proceeds from issuance of debt | $ 75,000 |  |  |  |  |  |  |
Number of tranches | tranche | 4 |  |  |  |  |  |  |
Beneficial Owner | Corporate Financing Facility |  |  |  |  |  |  |  |
Related Party Transaction [Line Items] |  |  |  |  |  |  |  |
Interest expense |  | 5,200 | 11,500 |  |  |  |  |
Beneficial Owner | Secured Borrowing Agreement |  |  |  |  |  |  |  |
Related Party Transaction [Line Items] |  |  |  |  |  |  |  |
Interest expense |  | $ 6,400 | $ 6,500 |  |  |  |  |
Beneficial Owner | Term Loan | Senior Secured Term Loans |  |  |  |  |  |  |  |
Related Party Transaction [Line Items] |  |  |  |  |  |  |  |
Original amount |  |  |  |  |  |  |  | $ 150,000
Beneficial Owner | Asset-Backed Notes | Senior Secured Term Loans |  |  |  |  |  |  |  |
Related Party Transaction [Line Items] |  |  |  |  |  |  |  |
Original amount |  |  |  |  | $ 235,000 |  |  |

X
- Definition Corporate Financing Debt + References No definition available. + Details
Name: | oprt_CorporateFinancingDebt
Namespace Prefix: | oprt_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Debt Instrument, Number Of Tranche + References No definition available. + Details
Name: | oprt_DebtInstrumentNumberOfTranche
Namespace Prefix: | oprt_
Data Type: | xbrli:integerItemType
Balance Type: | na
Period Type: | instant

X
- Definition Financing Receivable, Transfers + References No definition available. + Details
Name: | oprt_FinancingReceivableTransfers
Namespace Prefix: | oprt_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Loan Origination Commitment, Maximum Amount + References No definition available. + Details
Name: | oprt_LoanOriginationCommitmentMaximumAmount
Namespace Prefix: | oprt_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Loan Origination Commitment, Next Twelve Months, Maximum Amount + References No definition available. + Details
Name: | oprt_LoanOriginationCommitmentNextTwelveMonthsMaximumAmount
Namespace Prefix: | oprt_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Current and noncurrent portions of secured debt accounted for under the amortized cost method as of the balance sheet date. + References No definition available. + Details
Name: | oprt_SecuredDebtAtAmortizedCost
Namespace Prefix: | oprt_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Stocks, Ownership Percentage + References No definition available. + Details
Name: | oprt_StocksOwnershipPercentage
Namespace Prefix: | oprt_
Data Type: | dtr-types:percentItemType
Balance Type: | na
Period Type: | instant

X
- Definition Exercise price per share or per unit of warrants or rights outstanding. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 505 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 3 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481112/505-10-50-3 + Details
Name: | us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:perShareItemType
Balance Type: | na
Period Type: | instant

X
- Definition Number of securities into which each warrant or right may be converted. For example, but not limited to, each warrant may be converted into two shares. + References No definition available. + Details
Name: | us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight
Namespace Prefix: | us-gaap_
Data Type: | xbrli:sharesItemType
Balance Type: | na
Period Type: | instant

X
- Definition Face (par) amount of debt instrument at time of issuance. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 835 -SubTopic 30 -Name Accounting Standards Codification -Section 55 -Paragraph 8 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482949/835-30-55-8 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://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 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 835 -SubTopic 30 -Name Accounting Standards Codification -Section 45 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2 + Details
Name: | us-gaap_DebtInstrumentFaceAmount
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Interest and fee income generated from consumer loans. Consumer loans are loans to individuals for household, family, and other personal expenditures. Such loans include residential mortgages, home equity lines-of-credit, automobiles and marine transport loans, credit card transactions, and others. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 942 -SubTopic 220 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04(1)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1 + Details
Name: | us-gaap_InterestAndFeeIncomeLoansConsumer
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Aggregate amount of interest expense on all borrowings. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 942 -SubTopic 220 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04(8)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 942 -SubTopic 220 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04(7)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1 + Details
Name: | us-gaap_InterestExpenseBorrowings
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 825 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 10 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482907/825-10-50-10 + Details
Name: | us-gaap_LoansReceivableFairValueDisclosure
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition The cash inflow during the period from additional borrowings in aggregate debt. Includes proceeds from short-term and long-term debt. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 230 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 14 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482740/230-10-45-14 + Details
Name: | us-gaap_ProceedsFromIssuanceOfDebt
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

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 Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481990/310-10-45-13 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 946 -SubTopic 220 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.6-07(2)(c)(2)(i)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 946 -SubTopic 220 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.6-07(2)(c)(2)(ii)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 946 -SubTopic 220 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.6-07(2)(g)(3)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1 + Details
Name: | us-gaap_RelatedPartyTransactionLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

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

X
- Details
Name: | us-gaap_RelatedPartyTransactionsByRelatedPartyAxis=us-gaap_BeneficialOwnerMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

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

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

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

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