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Segment Information - Summary of Financial Information with Respect to the Company's Single Operating and Reportable Segment (Detail) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jan. 29, 2024
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Operating revenues:          
Revenues   $ 150,725 $ 92,489 $ 390,461 $ 246,236
Operating expenses:          
Provision for credit losses   29,846 13,680 65,744 37,988
Processing and servicing costs   9,404 8,398 23,561 23,351
Financial network and transaction costs   7,378 6,237 21,644 19,087
Advertising and activation costs   18,911 14,925 46,297 38,745
Stock-based compensation   7,200 13,400 23,000 27,200
Technology and infrastructure   3,192 2,848 8,812 8,352
Other operating expenses   11,254 13,412 23,751 26,076
Total operating expenses   104,827 89,939 268,332 232,618
Other (income) expenses:          
Interest income   (294) (439) (1,313) (2,471)
Interest expense   1,789 1,964 5,324 6,146
Gain on extinguishment of convertible debt $ (33,400)     0 (33,442)
Changes in fair value of earnout liabilities   (4,841) (17) 2,655 116
Changes in fair value of public and private warrant liabilities   (9,186) 203 11,657 408
Total other (income) expense, net   (12,532) 1,711 18,323 (29,243)
Net income before provision (benefit) for income taxes   58,430 839 103,806 42,861
Provision (benefit) for income taxes   (33,642) 373 (26,118) 1,794
Net income   92,072 466 129,924 41,067
Service based revenue, net [Member]          
Operating revenues:          
Revenues   139,229 83,390 358,673 220,603
Transaction based revenue, net [Member]          
Operating revenues:          
Revenues   11,496 9,099 31,788 25,633
Operating Segments [Member]          
Operating revenues:          
Revenues   150,725 92,489 390,461 246,236
Operating expenses:          
Provision for credit losses   29,846 13,680 65,744 37,988
Processing and servicing costs   9,404 8,398 23,561 23,351
Financial network and transaction costs   7,378 6,237 21,644 19,087
Advertising and activation costs   18,911 14,925 46,297 38,745
Employee salaries and bonuses   14,887 15,172 45,307 44,811
Capitalized compensation costs   (1,703) (1,755) (4,805) (5,522)
Stock-based compensation   7,209 13,359 23,011 27,195
Temporary labor and contractors   1,722 1,208 4,569 3,745
Other compensation, benefits and payroll taxes   2,727 2,455 10,441 8,790
Technology and infrastructure   3,192 2,848 8,812 8,352
Other operating expenses   11,254 13,412 23,751 26,076
Total operating expenses   104,827 89,939 268,332 232,618
Other (income) expenses:          
Interest income   (294) (439) (1,313) (2,471)
Interest expense   1,789 1,964 5,324 6,146
Gain on extinguishment of convertible debt         (33,442)
Changes in fair value of earnout liabilities   (4,841) (17) 2,655 116
Changes in fair value of public and private warrant liabilities   (9,186) 203 11,657 408
Total other (income) expense, net   (12,532) 1,711 18,323 (29,243)
Net income before provision (benefit) for income taxes   58,430 839 103,806 42,861
Provision (benefit) for income taxes   (33,642) 373 (26,118) 1,794
Net income   92,072 466 129,924 41,067
Operating Segments [Member] | Service based revenue, net [Member]          
Operating revenues:          
Revenues   139,229 83,390 358,673 220,603
Operating Segments [Member] | Transaction based revenue, net [Member]          
Operating revenues:          
Revenues   $ 11,496 $ 9,099 $ 31,788 $ 25,633