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v3.25.2

Borrowings - Schedule of Asset-backed Borrowings at Amortized Cost (Details) - USD ($) $ in Thousands | 6 Months Ended | 12 Months Ended |
--- | --- | --- | ---
Jun. 30, 2025 | Dec. 31, 2024 | Jun. 05, 2025
Debt Instrument [Line Items] |  |  |
Asset-backed borrowings at amortized cost | $ 1,605,597 | $ 984,333 |
Asset-Backed Notes, At Amortized Cost | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial note amount issued | 1,484,497 | 620,140 |
Asset-backed borrowings at amortized cost | 1,605,597 | 984,333 |
Asset-Backed Notes, At Amortized Cost | Initial Collateral | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial collateral balance | 1,548,228 | 657,652 |
Asset-Backed Notes, At Amortized Cost | Current Collateral | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial collateral balance | 1,695,922 | 1,043,689 |
Oportun Issuance Trust 2025-B | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial note amount issued | 439,250 |  | $ 439,300
Asset-backed borrowings at amortized cost | $ 436,366 |  |
Weighted average interest rate (as a percent) | 5.57% |  |
Original revolving period | 2 years |  |
Oportun Issuance Trust 2025-B | Initial Collateral | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial collateral balance | $ 450,802 |  |
Oportun Issuance Trust 2025-B | Current Collateral | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial collateral balance | 459,985 |  |
Oportun Issuance Trust 2025-A | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial note amount issued | 425,107 |  |
Asset-backed borrowings at amortized cost | $ 421,119 |  |
Weighted average interest rate (as a percent) | 6.15% |  |
Original revolving period | 1 year |  |
Oportun Issuance Trust 2025-A | Initial Collateral | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial collateral balance | $ 439,775 |  |
Oportun Issuance Trust 2025-A | Current Collateral | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial collateral balance | 445,186 |  |
Oportun Issuance Trust 2024-2 | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial note amount issued | 223,250 | 223,250 |
Asset-backed borrowings at amortized cost | $ 128,954 | $ 188,316 |
Weighted average interest rate (as a percent) | 7.51% | 6.99% |
Oportun Issuance Trust 2024-2 | Initial Collateral | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial collateral balance | $ 236,119 | $ 236,119 |
Oportun Issuance Trust 2024-2 | Current Collateral | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial collateral balance | 153,422 | 213,802 |
Oportun Issuance Trust 2024-1 | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial note amount issued | 199,500 | 199,500 |
Asset-backed borrowings at amortized cost | $ 53,505 | $ 92,385 |
Weighted average interest rate (as a percent) | 9.68% | 8.27% |
Oportun Issuance Trust 2024-1 | Initial Collateral | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial collateral balance | $ 211,002 | $ 211,002 |
Oportun Issuance Trust 2024-1 | Current Collateral | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial collateral balance | 62,399 | 107,137 |
Oportun CL Trust 2023-A | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial note amount issued | 197,390 | 197,390 |
Asset-backed borrowings at amortized cost | $ 196,281 | $ 195,855 |
Weighted average interest rate (as a percent) | 10.05% | 10.05% |
Original revolving period | 2 years | 2 years |
Oportun CL Trust 2023-A | Initial Collateral | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial collateral balance | $ 210,530 | $ 210,530 |
Oportun CL Trust 2023-A | Current Collateral | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial collateral balance | 219,690 | 219,717 |
Other Asset Backed Borrowings | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Asset-backed borrowings at amortized cost | 369,372 | 507,776 |
Other Asset Backed Borrowings | Current Collateral | Asset-Backed Notes |  |  |
Debt Instrument [Line Items] |  |  |
Initial collateral balance | $ 355,240 | $ 503,032 |

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