Accumulated Amortization Finite-Lived Intangible Assets, Accumulated Amortization Schedule of Adverse Changes in the Fair Value of Notes Receivable and Residual Trust Certificates Schedule Sensitivity Analysis of Fair Value, Residual Trust Certificates [Table Text Block] Schedule Sensitivity Analysis of Fair Value, Residual Trust Certificates Default Rate Default Rate Measurement Input, Default Rate [Member] Award Timing Predetermined Award Timing Predetermined [Flag] Indefinite-lived Intangible Assets [Axis] Indefinite-Lived Intangible Assets [Axis] Entity File Number Entity File Number Additional Paid-In Capital Additional Paid-in Capital [Member] Tabular List, Table Tabular List [Table Text Block] Commercial agreement assets Commercial Agreement Asset, Net Commercial Agreement Asset, Net Recent Accounting Pronouncements Not Yet Adopted New Accounting Pronouncements, Policy [Policy Text Block] Measurement Basis [Axis] Measurement Basis [Axis] Adjustment to Compensation: Adjustment to Compensation [Axis] Named Executive Officers, Footnote Named Executive Officers, Footnote [Text Block] Share purchase price discount percent Share-Based Compensation Arrangement By Share-Based Payment Award, Share Purchase Price Discount Percent Share-Based Compensation Arrangement By Share-Based Payment Award, Share Purchase Price Discount Percent Revenue Revenue from Contract with Customer [Text Block] Total Recoveries of charged-off receivables Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Recovery Stock, Class of Stock [Table] Stock, Class of Stock [Table] Vesting of restricted stock units (in shares) Stock Issued During Period, Shares, Restricted Stock Award, Net of Forfeitures Government bonds, Non-US Non-US Non-US Government Agencies Debt Securities [Member] Non-US Government Agencies Debt Securities Trademarks, licenses and domains Trademarks, Licenses And Domains [Member] Trademarks, Licenses And Domains Adjustment to Compensation, Amount Adjustment to Compensation Amount Weighted Average Remaining Life (years) Class of Warrants and Rights, Weighted Average Remaining Life [Roll Forward] Class of Warrants and Rights, Weighted Average Remaining Life Other assets Increase (Decrease) in Other Operating Assets Principles of Consolidation Consolidation, Policy [Policy Text Block] Stock-based compensation Share-Based Payment Arrangement, Noncash Expense Available outstanding under equity compensation plans Stock options, including early exercise of options Share-Based Payment Arrangement, Option [Member] Property, Plant and Equipment [Table] Property, Plant and Equipment [Table] Loans held for investment, net Financing Receivable, after Allowance for Credit Loss Cash paid for income taxes Income Taxes Paid Minimum percentage of common stock price trigger Minimum Percentage Of Trading Price To Last Reported Sale Price Minimum Percentage Of Trading Price To Last Reported Sale Price Antidilutive Securities [Axis] Antidilutive Securities [Axis] Servicing liability, effect of 50% increase in measurement input Sensitivity Analysis Of Fair Value, Servicing Liability, Effect Of Fifty Percentage Point Increase In Measurement Input Sensitivity Analysis Of Fair Value, Servicing Liability, Effect Of Fifty Percentage Point Increase In Measurement Input Total stockholders’ equity Beginning balance Ending balance Equity, Attributable to Parent Measurement Frequency [Axis] Measurement Frequency [Axis] Debt Securities, Available-for-sale [Table] Debt Securities, Available-for-Sale [Table] Insider Trading Policies and Procedures [Line Items] Performance Fee Liability Performance Fee Liability [Member] Performance Fee Liability Schedule of Property, Equipment and Software, Net Property, Plant and Equipment [Table Text Block] Common stock, authorized (in shares) Common Stock, Shares Authorized Loss rate increase of 25% Sensitivity Analysis of Fair Value, Risk Sharing Arrangement, Impact of 25 Percent Adverse Change in Loss Rate Sensitivity Analysis of Fair Value, Risk Sharing Arrangement, Impact of 25 Percent Adverse Change in Loss Rate Recurring Fair Value, Recurring [Member] Exercised (in shares) Class Of Warrant Or Right, Shares, Warrants Exercised Class Of Warrant Or Right, Shares, Warrants Exercised US warehouse facilities US Warehouse Facilities [Member] US Warehouse Facilities Liabilities and stockholders’ equity Liabilities and Equity [Abstract] Cover [Abstract] Cash and cash equivalents Cash and Cash Equivalents, Fair Value Disclosure Portion at Fair Value Measurement Portion at Fair Value Measurement [Member] Maximum Maximum [Member] Vested and exercisable (in USD per share) Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Weighted Average Exercise Price Financing receivable, modified, number of deferrals Financing Receivable, Modified, Number Of Deferrals Financing Receivable, Modified, Number Of Deferrals Sale of warrants recognized Class Or Warrants Or Rights, Sale Or Warrants Recognized Class Or Warrants Or Rights, Sale Or Warrants Recognized Total, fair value Debt Securities, Available-for-Sale, Unrealized Loss Position Total amortization expense Finite-Lived Intangible Assets, Net Non-PEO NEO Average Total Compensation Amount Non-PEO NEO Average Total Compensation Amount Debt Instrument [Line Items] Debt Instrument [Line Items] Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table] Schedule of Share-Based Compensation Arrangements by Share-Based Payment Award [Table] Adjustment to Non-PEO NEO Compensation Footnote Adjustment to Non-PEO NEO Compensation Footnote [Text Block] Exercisable, warrants outstanding (in shares) Class of Warrant or Right, Exercisable Class of Warrant or Right, Exercisable Forgone Recovery due to Disqualification of Tax Benefits, Amount Forgone Recovery due to Disqualification of Tax Benefits, Amount Non-Rule 10b5-1 Arrangement Terminated Non-Rule 10b5-1 Arrangement Terminated [Flag] Financing receivable, modified, weighted average term increase from modification Financing Receivable, Modified, Weighted Average Term Increase from Modification Income (loss) before income taxes Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest Entity Shell Company Entity Shell Company Schedule of Long-term Debt Instruments [Table] Schedule of Long-Term Debt Instruments [Table] Statement of Stockholders' Equity [Abstract] Schedule of PSU Activity Share-Based Payment Arrangement, Performance Shares, Activity [Table Text Block] Stock-based compensation included in capitalized internal-use software Capitalized into property, equipment and software, net Share-Based Payment Arrangement, Amount Capitalized Trademarks and domains Trademarks And Domains [Member] Trademarks And Domains Remaining lease term Lessee, Operating Lease, Remaining Lease Term Accrued interest on securities available for sale Accrued Interest On Debt Securities Available For Sale Accrued Interest On Debt Securities Available For Sale Unrealized gain on securities available for sale, net Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification, after Tax Award Timing MNPI Considered Award Timing MNPI Considered [Flag] Performance-based stock options Performance Based Stock Options [Member] Performance Based Stock Options Line of Credit Facility [Table] Line of Credit Facility [Table] International warehouse facilities International Warehouse Facilities [Member] International Warehouse Facilities Schedule of Components and Classification of Stock-Based Compensation Share-Based Payment Arrangement, Expensed and Capitalized, Amount [Table Text Block] Servicing liabilities Servicing Liability, Measurement Input Document Fiscal Period Focus Document Fiscal Period Focus Prepayment Rate increase of 20% Sensitivity Analysis of Fair Value, Residual Interests In Structured Transactions, Impact of 20 Percent Adverse Change in Prepayment Speed Sensitivity Analysis of Fair Value, Residual Interests In Structured Transactions, Impact of 20 Percent Adverse Change in Prepayment Speed Award Timing Method Award Timing Method [Text Block] Loan receivable on nonaccrual status Financing Receivable, Excluding Accrued Interest, Nonaccrual Award Type [Axis] Award Type [Axis] Trading Symbol Trading Symbol 2030 Lessee, Operating Lease, Liability, to be Paid, Year Four Accrued expenses and other liabilities Total accrued expenses and other liabilities Accrued Liabilities and Other Liabilities Entity Address, City or Town Entity Address, City or Town Marketable Securities [Line Items] Marketable Securities [Line Items] Effect of exchange rate changes on cash, cash equivalents and restricted cash Effect of Exchange Rate on Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Continuing Operation Non-PEO NEO Average Compensation Actually Paid Amount Non-PEO NEO Average Compensation Actually Paid Amount Restricted stock units Restricted Stock Units (RSUs) [Member] Statement of Income Location, Balance [Domain] Statement of Income Location, Balance [Domain] Compensation Actually Paid vs. Other Measure Compensation Actually Paid vs. Other Measure [Text Block] Discount rate increase of 50% Sensitivity Analysis of Fair Value, Risk Sharing Arrangement, Impact of 50 Percent Adverse Change in Discount Rate Sensitivity Analysis of Fair Value, Risk Sharing Arrangement, Impact of 50 Percent Adverse Change in Discount Rate Entity Emerging Growth Company Entity Emerging Growth Company 2029 Long-Term Debt, Maturity, Year Three Beginning balance (in shares) Ending balance (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Number Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year [Member] Deferred debt issuance costs Debt issuance costs, net Debt Issuance Costs, Net Purchases of loans Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Purchases Indefinite-lived intangibles Indefinite-Lived Intangible Assets (Excluding Goodwill) Common stock, outstanding (in shares) Beginning balance, common stock (in shares) Ending balance, common stock (in shares) Common Stock, Shares, Outstanding Katherine Adkins [Member] Katherine Adkins Gain on sales of loans Gain on sales of loans Gain (Loss) on Sales of Loans, Net Schedule of Cash and Cash Equivalents and Securities Available for Sale Marketable Securities [Table Text Block] Schedule of Disaggregation of Revenue Disaggregation of Revenue [Table Text Block] Granted (in shares) Class Of Warrant Or Right, Shares, Warrants Granted Class Of Warrant Or Right, Shares, Warrants Granted Number of common stock issued (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Shares Issued in Period Issuance of common stock upon exercise of stock options Stock Issued During Period, Value, Stock Options Exercised Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year [Member] Schedule of Expected Future Amortization Expense Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block] Derivative Instruments and Hedging Activities Disclosure [Abstract] Securitizations Securitization notes receivable and certificates in unconsolidated securitization trusts Securitization [Member] Securitization Amortization of sales and marketing expense Amortization Of Sales and Marketing Expense Amortization Of Sales and Marketing Expense Number of Shares Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward] Pledged Status [Domain] Pledged Status [Domain] Entity Address, Postal Zip Code Entity Address, Postal Zip Code Restatement Determination Date Restatement Determination Date Income tax expense Income tax expense Income Tax Expense (Benefit) Basis spread Debt Instrument, Basis Spread on Variable Rate Class B common stock Common Class B [Member] Other assets Total other assets Other Assets Fair value at beginning of period Fair value at the end of period Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value Document Information [Line Items] Document Information [Line Items] Canceled (in USD per share) Class of Warrant Or Right, Canceled, Weighted Average Exercise Price Class of Warrant Or Right, Canceled, Weighted Average Exercise Price Servicing assets Servicing Asset, Measurement Input Pension Adjustments Service Cost Pension Adjustments Service Cost [Member] Derivatives designated as cash flow hedges Designated as Hedging Instrument [Member] Fair Value Hierarchy and NAV [Axis] Fair Value Hierarchy and NAV [Axis] Total property, equipment and software, at cost Property, Plant and Equipment, Gross Loans purchased Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Loan Purchased Loan lending terms Financing Receivable, Loan Term Financing Receivable, Loan Term Notes Payable, Other Payables Notes Payable, Other Payables [Member] Compensation Actually Paid vs. Company Selected Measure Compensation Actually Paid vs. Company Selected Measure [Text Block] Loss on cash flow hedges Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, Tax, Parent All Trading Arrangements All Trading Arrangements [Member] Equity Awards Adjustments, Footnote Equity Awards Adjustments, Footnote [Text Block] Total Shareholder Return Vs Peer Group Total Shareholder Return Vs Peer Group [Text Block] Debt instrument, redemption price, percentage Debt Instrument, Redemption Price, Percentage Balance, beginning of period (in shares) Balance, ending of period (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number Commitments and Contingencies Disclosure [Abstract] Debt repurchased during the period Debt Instrument, Debt Repurchased During The Period Debt Instrument, Debt Repurchased During The Period Servicing liability, effect of 20% increase in measurement input Sensitivity Analysis Of Fair Value, Servicing Liability, Effect Of Twenty Percentage Point Increase In Measurement Input Sensitivity Analysis Of Fair Value, Servicing Liability, Effect Of Twenty Percentage Point Increase In Measurement Input Non-vested stock options, unrecognized compensation cost Share-Based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount Variable funding notes Variable Funding Notes [Member] Variable Funding Notes Foreign deferred tax asset Deferred Tax Assets, Operating Loss Carryforwards, Foreign Net cash provided by operating activities Cash Provided by (Used in) Operating Activity, Including Discontinued Operation Furniture and equipment Furniture And Equipment [Member] Furniture And Equipment Fair Value Fair Value Debt Securities, Available-for-Sale, Excluding Accrued Interest Subsequent Event Subsequent Event [Member] Revenues from External Customers and Long-Lived Assets [Line Items] Revenues from External Customers and Long-Lived Assets [Line Items] Servicing asset, effect of 20% increase in measurement input Sensitivity Analysis Of Fair Value, Servicing Asset, Effect Of Twenty Percentage Point Increase In Measurement Input Sensitivity Analysis Of Fair Value, Servicing Asset, Effect Of Twenty Percentage Point Increase In Measurement Input Equity Valuation Assumption Difference, Footnote Equity Valuation Assumption Difference, Footnote [Text Block] PEO Total Compensation Amount PEO Total Compensation Amount Long-term Debt, Type [Axis] Long-Term Debt, Type [Axis] Depreciation Depreciation Money market funds Money Market Funds [Member] Risk sharing liabilities Derivative Liability, Measurement Input Technology and data analytics Technology And Data Analytics Expense Technology And Data Analytics Expense 2026 (remaining nine months) Finite-Lived Intangible Asset, Expected Amortization, Remainder of Fiscal Year Weighted average common shares outstanding Denominator: Weighted Average Number of Shares Outstanding, Basic [Abstract] Equity Components [Axis] Equity Components [Axis] Property, Plant and Equipment [Line Items] Property, Plant and Equipment [Line Items] Three years before current fiscal year Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year Convertible Debt Convertible Debt [Member] Risk sharing liability Risk Sharing Liability Risk Sharing Liability Non-Rule 10b5-1 Arrangement Adopted Non-Rule 10b5-1 Arrangement Adopted [Flag] Other investing outflows Payment For Other Investing Activity Payment For Other Investing Activity Number of reportable segments Number of Reportable Segments Securitization and Variable Interest Entities Variable Interest Entity Disclosure [Text Block] Entity Address, State or Province Entity Address, State or Province Interest income Total interest income Interest and Dividend Income, Operating Financial Asset, Period Past Due [Domain] Financial Asset, Aging [Domain] Antidilutive Security, Excluded EPS Calculation [Table] Antidilutive Security, Excluded EPS Calculation [Table] Servicing assets Servicing Asset 2025 Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year Before Current Fiscal Year, Recoveries Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year Before Current Fiscal Year, Recoveries Loan re-amortization Loan Re-amortization Loan Re-Amortization [Member] Loan Re-Amortization 2024 Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years Before Current Fiscal Year, Recoveries Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years Before Current Fiscal Year, Recoveries Individual: Individual [Axis] Amortization expense of warrants sold Class Of Warrants Or Rights, Amortization Expense Class Of Warrants Or Rights, Amortization Expense Risk Sharing Arrangement Risk Sharing Arrangement [Member] Risk Sharing Arrangement Maximum Exposure to Losses Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount Forgone Recovery, Explanation of Impracticability Forgone Recovery, Explanation of Impracticability [Text Block] Entity Interactive Data Current Entity Interactive Data Current Current period charge-offs Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract] Vested and exercisable Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Intrinsic Value Weighted Average Remaining Contractual Term (Years) Weighted Average Remaining Contractual Term [Abstract] Weighted Average Remaining Contractual Term Marketable securities Marketable Securities Weighted Average Remaining Useful Life (in years) Finite-Lived Intangible Assets, Remaining Amortization Period Disaggregation of Revenue [Table] Disaggregation of Revenue [Table] Weighted average remaining life (years) beginning balance Weighted average remaining life (years) ending balance Class of Warrant or Right, Outstanding, Weighted Average Remaining Life Class of Warrant or Right, Outstanding, Weighted Average Remaining Life Payment deferral Payment Deferral Payment Deferral [Member] Long-Lived Tangible Asset [Axis] Long-Lived Tangible Asset [Axis] Proceeds from exercise of common stock options and warrants and contributions to ESPP Proceeds From Stock Options And Warrants Exercised Proceeds From Stock Options And Warrants Exercised Other assets Other Assets, Miscellaneous Fair Value, Liability, Recurring Basis, Unobservable Input Reconciliation, Liability, Gain (Loss), Statement of Other Comprehensive Income or Comprehensive Income [Extensible Enumeration] Fair Value, Liability, Recurring Basis, Unobservable Input Reconciliation, Liability, Gain (Loss), Statement of Other Comprehensive Income or Comprehensive Income [Extensible Enumeration] Servicing liabilities Servicing Liability Entity Central Index Key Entity Central Index Key Total borrowing capacity Total Line of Credit Facility, Maximum Borrowing Capacity And Debt Instrument, Face Amount Total Line of Credit Facility, Maximum Borrowing Capacity And Debt Instrument, Face Amount PEO Name PEO Name Conversion price of redeemable convertible preferred stock (in USD per share) Debt Instrument, Convertible, Conversion Price Schedule of Aggregate Future Maturities Schedule of Maturities of Long-Term Debt [Table Text Block] Total revenue, net Revenues The effects of derivatives not designated in hedging relationships Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year [Member] Schedule of Net Charge Offs Financing Receivable Credit Quality Indicators [Table Text Block] Outstanding Aggregate Erroneous Compensation Amount Outstanding Aggregate Erroneous Compensation Amount Aggregate fair value Fair value at beginning of period Fair value at end of period Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability Value Warrants exercisable (in USD per share) Class of Warrant or Right, Exercise Price of Warrants or Rights, Exercisable Class of Warrant or Right, Exercise Price of Warrants or Rights, Exercisable Tranche One Share-Based Payment Arrangement, Tranche One [Member] Exercise price of warrants (in USD per share) Beginning balance, warrants outstanding (in USD per share) Ending balance, warrants outstanding (in USD per share) Class of Warrant or Right, Exercise Price of Warrants or Rights Schedule of Fair Value of Derivative Instruments Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block] Exercise Price Award Exercise Price Subsequent changes in fair value Fair Value, Measurement With Unobservable Inputs Reconciliation, Recurring Basis, Liability, Subsequent Changes To Fair Value Fair Value, Measurement With Unobservable Inputs Reconciliation, Recurring Basis, Liability, Subsequent Changes To Fair Value Entity Filer Category Entity Filer Category Class of Stock [Domain] Class of Stock [Domain] Non-vested RSUs, unrecognized compensation cost Share-Based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount Subsequent Event Type [Axis] Subsequent Event Type [Axis] Class of Warrant or Right [Domain] Class of Warrant or Right [Domain] Statement of Financial Position Location, Balance [Axis] Statement of Financial Position Location, Balance [Axis] 2029 Finite-Lived Intangible Asset, Expected Amortization, Year Three Vesting [Domain] Vesting [Domain] Loans held for investment Total loans held for investment Financing Receivable, before Allowance for Credit Loss Gross Finite-Lived Intangible Assets, Gross Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year [Member] Entity Address, Address Line One Entity Address, Address Line One Accumulated Other Comprehensive Loss AOCI Attributable to Parent [Member] Repurchase liability Assets Sold under Agreements to Repurchase, Repurchase Liability Accrued expenses and other liabilities Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities 2029 Notes Convertible Senior Notes Due 2029 [Member] Convertible Senior Notes Due 2029 Derivative Financial Instruments Derivative Instruments and Hedging Activities Disclosure [Text Block] Cash received (due to payments) Fair Value, Measurement With Unobservable Inputs Reconciliation, Recurring Basis, Liability, Settlement And Sales Fair Value, Measurement With Unobservable Inputs Reconciliation, Recurring Basis, Liability, Settlement And Sales Discount Rate increase of 40% Sensitivity Analysis of Fair Value, Residual Interests In Structured Transactions, Impact of 40 Percent Adverse Change in Discount Rate Sensitivity Analysis of Fair Value, Residual Interests In Structured Transactions, Impact of 40 Percent Adverse Change in Discount Rate Fair Value as of Grant Date Award Grant Date Fair Value One Month Secured Overnight Financing Rate (SOFR) One Month Secured Overnight Financing Rate (SOFR) [Member] One Month Secured Overnight Financing Rate (SOFR) Earnings Per Share, Diluted, by Common Class, Including Two-Class Method [Table] Earnings Per Share, Diluted, by Common Class, Including Two-Class Method [Table] Loans held by third party investors or unconsolidated VIEs Assets Sold under Agreements to Repurchase, Carrying Amount Four years before current fiscal year Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year Schedule of Components Secured and Unsecured Debt Schedule of Long-Term Debt Instruments [Table Text Block] Unpaid principal balance on serviced sold loans Continuing Involvement with Transferred Financial Assets, Principal Amount Outstanding Derivative Instruments and Hedging Activities Disclosures [Table] Derivative Instruments and Hedging Activities Disclosures [Table] Granted (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period Total operating expenses Costs and Expenses Forfeited, expired or cancelled (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeited in Period Number of classes of common stock Number Of Classes Of Common Stock Number Of Classes Of Common Stock Document Quarterly Report Document Quarterly Report Less than or equal to 1 year, fair value Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months Weighted-average grant date fair value (in USD per share) Class of Warrant or Right, Outstanding, Weighted-Average Grant Date Fair Value Class of Warrant or Right, Outstanding, Weighted-Average Grant Date Fair Value Schedule of Significant Unobservable Inputs Used for Level 3 Fair Value Measurement Fair Value Measurement Inputs and Valuation Techniques [Table Text Block] Changed Peer Group, Footnote Changed Peer Group, Footnote [Text Block] 2028 Lessee, Operating Lease, Liability, to be Paid, Year Two Investments, All Other Investments [Abstract] Adjustment To PEO Compensation, Footnote Adjustment To PEO Compensation, Footnote [Text Block] Weighted Average Remaining Contractual Term (Years) Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term Title Trading Arrangement, Individual Title Peer Group Total Shareholder Return Amount Peer Group Total Shareholder Return Amount Refund Rate Measurement Input, Refund Rate [Member] Measurement Input, Refund Rate Non-PEO NEO Non-PEO NEO [Member] Other intangibles Other Intangible Assets [Member] Gross Unrealized Gains Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Gain, before Tax Allowance for credit losses Financing Receivable, Allowance for Credit Loss Award Type [Domain] Award Type [Domain] Extinguishment of convertible debt Payment for Debt Extinguishment or Debt Prepayment Cost The effects of cash flow hedging Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax 2027 Lessee, Operating Lease, Liability, to be Paid, Year One Equity Awards Adjustments Equity Awards Adjustments [Member] Leasehold improvements Leasehold Improvements [Member] Pension Benefits Adjustments, Footnote Pension Benefits Adjustments, Footnote [Text Block] Weighted-average grant date fair value, exercisable (in USD per share) Class of Warrant or Right, Exercisable, Weighted-Average Grant Date Fair Value Class of Warrant or Right, Exercisable, Weighted-Average Grant Date Fair Value Disaggregation of Revenue [Line Items] Disaggregation of Revenue [Line Items] Other Receivables Other Receivables [Member] Other Receivables Compensation Amount Outstanding Recovery Compensation Amount Debt Instrument, Name [Domain] Debt Instrument, Name [Domain] Certificates of deposit Certificates of deposit Certificates of Deposit [Member] Recovery of Erroneously Awarded Compensation Disclosure [Line Items] Balance at Fair Value Estimate of Fair Value Measurement [Member] MNPI Disclosure Timed for Compensation Value MNPI Disclosure Timed for Compensation Value [Flag] Merchant network revenue Merchant Network [Member] Merchant Network Employee stock purchase plan shares Employee Stock [Member] Revenue Revenues [Abstract] Debt instrument, convertible, trading day observation period Debt Instrument, Convertible, Trading Day Observation Period Debt Instrument, Convertible, Trading Day Observation Period Total amortized cost basis Financing Receivable, Including Loans Held-for-Sale, Excluding Accrued Interest, Before Allowance For Credit Loss Financing Receivable, Including Loans Held-for-Sale, Excluding Accrued Interest, Before Allowance For Credit Loss Financing Receivable, Past Due [Line Items] Financing Receivable, Past Due [Line Items] Accumulated other comprehensive loss Accumulated Other Comprehensive Income (Loss), Net of Tax Sales and marketing Selling and Marketing Expense 2027 Long-Term Debt, Maturity, Year One Financial Instruments [Domain] Financial Instruments [Domain] Unrealized gain on securities available for sale OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment and Tax Schedule of Impact of the Cash Flow Hedges on Accumulated Other Comprehensive Income Schedule of Cash Flow Hedges Included in Accumulated Other Comprehensive Income (Loss) [Table Text Block] Schedule of Indefinite-Lived Intangible Assets Schedule of Indefinite-Lived Intangible Assets [Table Text Block] Performance Shares Performance Shares [Member] Aggregate Pension Adjustments Service Cost Aggregate Pension Adjustments Service Cost [Member] Change in unrealized gain (loss) Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Gain (Loss) Included in Other Comprehensive Income (Loss) Assets pledged as collateral Required Collateral Assets Pledged As Collateral Required Collateral Assets Pledged As Collateral Developed technology Developed Technology Rights [Member] Finite-Lived Intangible Assets by Major Class [Axis] Finite-Lived Intangible Assets by Major Class [Axis] Provision for loan losses Financing Receivable, Excluding Accrued Interest, Credit Loss, Expense (Reversal), Excluding Certain Provisions Financing Receivable, Excluding Accrued Interest, Credit Loss, Expense (Reversal), Excluding Certain Provisions Minimum Minimum [Member] Repurchase Agreement Repurchase Agreement [Member] Repurchase Agreement Accrued interest receivable Financing Receivable, Accrued Interest, before Allowance for Credit Loss Convertible senior notes, net Convertible Debt Company Selected Measure Name Company Selected Measure Name Securitization notes receivable and certificates Securitization notes receivable and certificates Securitization notes receivable and residual trust certificates Securitization Notes Receivable And Certificates [Member] Securitization Notes Receivable And Certificates Fair Value Measurement [Domain] Fair Value Measurement [Domain] 2021-Z1 and 2021-Z2 Affirm Asset Securitization Trust 2021-Z1 And 2021-Z2 Notes [Member] Affirm Asset Securitization Trust 2021-Z1 And 2021-Z2 Notes Debt Debt Disclosure [Text Block] Aggregate Available Trading Arrangement, Securities Aggregate Available Amount Cash paid for operating leases Operating Lease, Payments Stock Appreciation Rights (SARs) Stock Appreciation Rights (SARs) [Member] Net income (loss) attributable to common stockholders - diluted Net Income (Loss) Available to Common Stockholders, Diluted Impairment of intangible assets Impairment of Intangible Assets (Excluding Goodwill) Taxes paid related to net share settlement of equity awards Cost of Issuance of Treasury Stock Cost of Issuance of Treasury Stock Goodwill [Roll Forward] Goodwill [Roll Forward] Loan receivable on nonaccrual status Financing Receivable, 90 Days or More Past Due, Still Accruing Commitments and Contingencies Commitments and Contingencies Disclosure [Text Block] Tranche Two Share-Based Payment Arrangement, Tranche Two [Member] Diluted (in shares) Weighted average shares of common stock - diluted (in shares) Weighted Average Number of Shares Outstanding, Diluted Non-GAAP Measure Description Non-GAAP Measure Description [Text Block] Entity Small Business Entity Small Business Sales and marketing Selling and Marketing Expense [Member] Income Tax Disclosure [Abstract] Document Transition Report Document Transition Report Schedule of Fair Value Hierarchy for Financial Assets and Liabilities Held at Amortized Cost Fair Value Disclosure of Asset and Liability Not Measured at Fair Value [Table Text Block] Underlying Securities Award Underlying Securities Amount Equity Component [Domain] Equity Component [Domain] Incremental selling and marking expense, warrants Selling and Marking Expense, Warrants Selling and Marking Expense, Warrants Document Period End Date Document Period End Date Income Taxes Income Tax Disclosure [Text Block] Allowance for accounts receivable Accounts Receivable, Allowance for Credit Loss Class A common stock Common Class A [Member] Schedule of Aggregate Fair Value of Servicing Liabilities Schedule of Servicing Liabilities at Fair Value [Table Text Block] Awards Close in Time to MNPI Disclosures, Table Awards Close in Time to MNPI Disclosures [Table Text Block] Capital contribution Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Capital Contribution Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Capital Contribution Vested and exercisable Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Weighted Average Remaining Contractual Term Convertible senior notes, net Convertible Debt, Fair Value Disclosures Loss rate increase of 50% Sensitivity Analysis of Fair Value, Risk Sharing Arrangement, Impact of 50 Percent Adverse Change in Loss Rate Sensitivity Analysis of Fair Value, Risk Sharing Arrangement, Impact of 50 Percent Adverse Change in Loss Rate Document Type Document Type Level 3 Fair Value, Inputs, Level 3 [Member] Net Income (Loss) per Share Attributable to Common Stockholders Earnings Per Share [Text Block] Name Outstanding Recovery, Individual Name Marketable Securities [Table] Marketable Securities [Table] Additional paid in capital Additional Paid in Capital Number of Shares Class of Warrants and Rights, Number of Shares [Roll Forward] Class of Warrants and Rights, Number of Shares Product and Service [Axis] Product and Service [Axis] Revenue Revenue from Contract with Customer, Excluding Assessed Tax Common stock, conversion ratio (in shares) Common Stock, Conversion Ratio Common Stock, Conversion Ratio Proceeds from the sale of loans held for sale Proceeds from Sale, Loan, Held-for-Sale Statistical Measurement [Axis] Statistical Measurement [Axis] Technology and data analytics Technology And Data Analytics Expense [Member] Technology And Data Analytics Expense Proceeds from the sale of loans held for investment Proceeds from Sale of Finance Receivables 2025 Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff Fair Value Measurement Inputs and Valuation Techniques [Line Items] Fair Value Measurement Inputs and Valuation Techniques [Line Items] Processing and servicing Processing And Servicing Expense Processing And Servicing Expense Aggregate Erroneous Compensation Amount Aggregate Erroneous Compensation Amount Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items] Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items] Amortization of discount on loans Accretion Of Discounts, Financing Receivables Accretion Of Discounts, Financing Receivables Schedule of Other Assets Schedule of Other Assets [Table Text Block] Peer Group Issuers, Footnote Peer Group Issuers, Footnote [Text Block] Greater than 1 year, less than or equal to 5 years, fair value Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value Financing receivable, modified, length of remaining term, maximum Financing Receivable, Modified, Length Of Remaining Term, Maximum Financing Receivable, Modified, Length Of Remaining Term, Maximum Net income (loss) attributable to common stockholders - basic Net Income (Loss) Available to Common Stockholders, Basic Net other comprehensive income (loss) Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Additional Disclosures [Abstract] Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Additional Disclosures [Abstract] Commercial agreement asset, remaining useful life Commercial Agreement Asset, Remaining Useful Life Commercial Agreement Asset, Remaining Useful Life Schedule of Impact of the Derivative Instruments on Consolidated Statements of Operations and Comprehensive Income (Loss) Derivative Instruments, Gain (Loss) [Table Text Block] Total amortized cost basis Financing Receivable, Excluding Accrued Interest, Modified, after 12 Months Amortization of premiums on loans Amortization Of Premiums, Financing Receivables Amortization Of Premiums, Financing Receivables Level 1 Fair Value, Inputs, Level 1 [Member] Funding debt Borrowings outstanding Long-Term Line of Credit Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items] Share-Based Payment Arrangement, Expensed and Capitalized, Amount [Line Items] Diluted (in USD per share) Earnings Per Share, Diluted Supplemental disclosures of non-cash investing and financing activities Cash Flow, Noncash Investing and Financing Activities Disclosure [Abstract] AOCI Attributable to Parent, Net of Tax [Roll Forward] AOCI Attributable to Parent, Net of Tax [Roll Forward] Total Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items] Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items] Loans held for sale Financing Receivable, Held-for-Sale Business Description Business Description and Basis of Presentation [Text Block] Variable Interest Entity, Not Primary Beneficiary Variable Interest Entity, Not Primary Beneficiary [Member] Initial transfers of financial assets Servicing Asset at Fair Value, Additions Prepaid expenses Prepaid Expense Unpaid principal balance Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process Funding debt Lines of Credit, Fair Value Disclosure Less imputed interest Lessee, Operating Lease, Liability, Undiscounted Excess Amount Corporate bonds Corporate bonds Corporate Bond Securities [Member] Cash Equivalents Cash Equivalents [Member] 2028 Finite-Lived Intangible Asset, Expected Amortization, Year Two Accrued expenses Accrued Liabilities Commercial Agreement with Amazon, $100 Warrants Commercial Agreement with Amazon, $100 Warrants [Member] Commercial Agreement with Amazon, $100 Warrants Debt outstanding Total Long-Term Debt, Gross Servicing Liability at Fair Value, Amount [Roll Forward] Servicing Liability at Fair Value, Amount [Roll Forward] Total lease payments Lessee, Operating Lease, Liability, to be Paid Loss on cash flow hedges OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax Risk sharing assets Derivative Asset, Measurement Input Loans held for sale Financing Receivable, Held For Sale, Fair Value Disclosure Financing Receivable, Held For Sale, Fair Value Disclosure Sales and repurchase agreements Sales And Repurchase Agreements [Member] Sales And Repurchase Agreements Schedule of Securities Available for Sale With Unrealized Losses Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value [Table Text Block] Expiration Date Trading Arrangement Expiration Date Granted (in USD per share) Class of Warrant or Right, Granted, Weighted Average Exercise Price Class of Warrant or Right, Granted, Weighted Average Exercise Price Property, equipment and software, net Total property, equipment and software, net Property, Plant and Equipment, Net Prepaid payroll taxes for stock-based compensation Prepaid Payroll Tax Prepaid Payroll Tax Vested and exercisable, and expected to vest thereafter Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Remaining Contractual Term Compensation Actually Paid vs. Net Income Compensation Actually Paid vs. Net Income [Text Block] 2025 Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year Before Current Fiscal Year, Write Off (Recoveries), Net Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year Before Current Fiscal Year, Write Off (Recoveries), Net Accounts receivable, net Increase (Decrease) in Accounts Receivable Residual trust certificates, measurement input Residual Trust Certificates, Measurement Input Residual Trust Certificates, Measurement Input Entity Current Reporting Status Entity Current Reporting Status Receivables [Abstract] Assembled workforce Assembled Workforce [Member] Assembled Workforce Amortization of commercial agreement assets Commercial Agreement Asset, Amortization Expense Commercial Agreement Asset, Amortization Expense Awards Close in Time to MNPI Disclosures Awards Close in Time to MNPI Disclosures [Table] Consolidated Entities [Domain] Consolidated Entities [Domain] Significant Accounting Policies Significant Accounting Policies [Policy Text Block] Significant Accounting Policies Financial Instrument [Axis] Financial Instrument [Axis] Statement of Financial Position [Abstract] Executive Category: Executive Category [Axis] Greater than 1 year, unrealized losses Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss Coupon interest expense Interest Expense, Operating and Nonoperating Current Fiscal Year End Date Current Fiscal Year End Date Less than or equal to 1 year, unrealized losses Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss Change in operating assets and liabilities: Increase (Decrease) in Other Operating Assets and Liabilities, Net [Abstract] Finite-Lived Intangible Assets, Major Class Name [Domain] Finite-Lived Intangible Assets, Major Class Name [Domain] Schedule of Loans Held for Investment Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] Weighted Average Grant Date Fair Value Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract] Number of common stock available for issuance (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Available for Grant Derivative Liabilities Interest rate derivatives Derivative Liability Equity Awards Adjustments, Excluding Value Reported in Compensation Table Equity Awards Adjustments, Excluding Value Reported in the Compensation Table [Member] Loan Restructuring Modification [Axis] Loan Restructuring Modification [Axis] Interest rate contracts Interest Rate Contract [Member] Vesting of warrants for common stock Adjustments to Additional Paid in Capital, Warrant Issued Total, unrealized losses Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss Prior Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Write Off (Recoveries), Net Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Write Off (Recoveries), Net Gross proceeds from matured or redeemed securities Proceeds from Sale and Maturity of Marketable Securities Schedule of Assets and Liabilities Measured at Fair Value on Recurring Basis Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block] Servicing asset, effect of 25% increase in measurement input Sensitivity Analysis Of Fair Value, Servicing Asset, Effect Of Twenty Five Percentage Point Increase In Measurement Input Sensitivity Analysis Of Fair Value, Servicing Asset, Effect Of Twenty Five Percentage Point Increase In Measurement Input Proceeds from debt Proceeds from Debt, Net of Issuance Costs Antidilutive common stock equivalents excluded from diluted net income (loss) per share (in shares) Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount Processing reserves Cash Deposits, Processing Reserves Cash Deposits, Processing Reserves Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward] Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward] 2028 Long-Term Debt, Maturity, Year Two Schedule of Loans Held for Investment by Delinquency Financing Receivable, Past Due [Table Text Block] Weighted Average Exercise Price ($) Class of Warrants and Rights, Weighted Average Exercise Price [Roll Forward] Class of Warrants and Rights, Weighted Average Exercise Price Leases Lessee, Operating Leases [Text Block] Net cash provided by financing activities Cash Provided by (Used in) Financing Activity, Including Discontinued Operation Measure: Measure [Axis] 2022 Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years Before Current Fiscal Year, Write Off (Recoveries), Net Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years Before Current Fiscal Year, Write Off (Recoveries), Net Provision for credit losses Provision for losses Financing Receivable, Credit Loss, Expense (Reversal) Schedule of Warrant Activity Schedule of Stockholders' Equity Note, Warrants or Rights [Table Text Block] Summary of Significant Accounting Policies Basis of Presentation and Significant Accounting Policies [Text Block] Long-Lived Tangible Asset [Domain] Long-Lived Tangible Asset [Domain] Debt Instrument, Conversion [Domain] Debt Instrument, Conversion [Domain] Debt Instrument, Conversion [Domain] Pay vs Performance Disclosure, Table Pay vs Performance [Table Text Block] Forgone Recovery due to Violation of Home Country Law, Amount Forgone Recovery due to Violation of Home Country Law, Amount Amortization of debt issuance costs Total amortization of debt issuance costs Amortization of Debt Issuance Costs Entity Tax Identification Number Entity Tax Identification Number Schedule of Adverse Changes in the Fair Value of Servicing Assets and Liabilities Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets [Table Text Block] 2023 Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff Schedule of Variable Interest Entities Schedule of Variable Interest Entities [Table Text Block] Canceled (in shares) Class Of Warrant Or Right, Shares, Warrants Canceled Class Of Warrant Or Right, Shares, Warrants Canceled Beginning balance (in USD per share) Ending balance (in USD per share) Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price Common stock, issued (in shares) Common Stock, Shares, Issued Default Rate increase of 20% Sensitivity Analysis of Fair Value, Residual Interests In Structured Transactions, Impact of 20 Percent Adverse Change In Default Rate Sensitivity Analysis of Fair Value, Residual Interests In Structured Transactions, Impact of 20 Percent Adverse Change In Default Rate Derivative Asset, Statement of Financial Position [Extensible Enumeration] Derivative Asset, Statement of Financial Position [Extensible Enumeration] 2030 Long-Term Debt, Maturity, Year Four Weighted average remaining lease term (in years) Operating Lease, Weighted Average Remaining Lease Term Schedule of Changes in the Carrying Amount of Goodwill Schedule of Goodwill [Table Text Block] Trading Arrangement: Trading Arrangement [Axis] Total Shareholder Return Amount Total Shareholder Return Amount Subsequent changes in fair value Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Gain (Loss) Included in Earnings Less: Discount due to loss on loan purchase commitment Financing Receivable, Unamortized Purchase Discount Financing Receivable, Unamortized Purchase Discount Security Exchange Name Security Exchange Name Purchases and origination of loans held for investment Payments to Acquire Finance Receivables Current period net charge-offs Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, Net, by Origination Year [Abstract] Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, Net, by Origination Year 2026 Long-Term Debt, Maturity, Remainder of Fiscal Year Loans Held for Investment and Allowance for Credit Losses Financing Receivables [Text Block] Reconciliation to amounts on consolidated balance sheets (as of period end) Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Period Increase (Decrease), Including Exchange Rate Effect and Discontinued Operation [Abstract] Line of credit facility, maximum borrowing capacity Line of Credit Facility, Maximum Borrowing Capacity Commercial Agreement Asset Type [Axis] Commercial Agreement Asset Type [Axis] Commercial Agreement Asset Type Indefinite-lived Intangible Assets, Major Class Name [Domain] Indefinite-Lived Intangible Assets, Major Class Name [Domain] Operating expenses Operating Expenses [Abstract] Risk sharing assets Risk Sharing Assets [Member] Risk Sharing Assets Asset Class [Domain] Asset Class [Domain] Subsequent changes in fair value Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings Commercial Agreement with Amazon, Warrants Commercial Agreement with Amazon, Warrants [Member] Commercial Agreement with Amazon, Warrants Statement [Line Items] Statement [Line Items] Asset amortization period Commercial Agreement Asset, Amortization Period Commercial Agreement Asset, Amortization Period Rule 10b5-1 Arrangement Adopted Rule 10b5-1 Arrangement Adopted [Flag] Cash and cash equivalents Cash and cash equivalents Cash and Cash Equivalent Fair Value Measurement Inputs and Valuation Techniques [Table] Fair Value Measurement Inputs and Valuation Techniques [Table] Subsequent Event [Line Items] Subsequent Event [Line Items] Common Stock Common Stock [Member] Vested (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period Debt instrument, repurchased carrying amount Debt Instrument, Repurchased Carrying Amount Debt Instrument, Repurchased Carrying Amount Payable to third-party loan owners Third Party Loan Owner Payable Third Party Loan Owner Payable Net increase in cash, cash equivalents and restricted cash Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Period Increase (Decrease), Including Exchange Rate Effect and Discontinued Operation Dilutive effect of stock equivalents (in shares) Weighted Average Number of Shares Outstanding, Diluted, Adjustment Servicing Asset at Fair Value, Amount [Roll Forward] Servicing Asset at Fair Value, Amount [Roll Forward] Prepayment Rate Measurement Input, Prepayment Rate [Member] Variable Rate Component [Domain] Variable Rate Component [Domain] Variable Rate Component Warrants exercised (in shares) Class of Warrant or Right, Exercised Class of Warrant or Right, Exercised Purchase period Share-Based Compensation Arrangement By Share-based Payment Award, Purchase Period Share-Based Compensation Arrangement By Share-based Payment Award, Purchase Period Statistical Measurement [Domain] Statistical Measurement [Domain] Available for future grant under equity compensation plans Share-Based Payment Agreement, Option, Future Grant [Member] Share-Based Payment Agreement, Option, Future Grant Risk sharing assets Risk sharing asset Risk Sharing Asset Risk Sharing Asset Amortized Cost Amortized Cost Debt Securities, Available-for-Sale, Amortized Cost, Excluding Accrued Interest, before Allowance for Credit Loss 2026 (remaining nine months) Lessee, Operating Lease, Liability, to be Paid, Remainder of Fiscal Year Principal repayments and other loan servicing activity Proceeds from Collection of Finance Receivables Total intangible assets, gross Intangible Assets, Gross (Excluding Goodwill) Residual interests in structured transactions, measurement input Residual Interests In Structured Transactions, Measurement Input Residual Interests In Structured Transactions, Measurement Input Asset Class [Axis] Asset Class [Axis] Interest rate contracts - cash flow hedges Interest Rate Swap [Member] Current period recoveries Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Recovery, by Origination Year [Abstract] Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Recovery, by Origination Year Leases [Abstract] Net income (loss) per share: Earnings Per Share, Basic [Abstract] Accounts payable Increase (Decrease) in Accounts Payable Pledged Status [Axis] Pledged Status [Axis] Loans originated Financing Receivable Excluding Accrued Interest Originated Loans Financing Receivable Excluding Accrued Interest Originated Loans Tax withholding on stock-based compensation Share-Based Payment Arrangement, Decrease for Tax Withholding Obligation Gross Unrealized Losses Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax Commercial Agreement with Amazon, New Users Acquired Prior to February 1 Commercial Agreement with Amazon, New Users Acquired Prior to February 1 [Member] Commercial Agreement with Amazon, New Users Acquired Prior to February 1 Trading Arrangements, by Individual Trading Arrangements, by Individual [Table] Beginning balance, warrants outstanding (in shares) Ending balance, warrants outstanding (in shares) Class of Warrant or Right, Outstanding Fed Funds Effective Rate Overnight Index Swap Rate Fed Funds Effective Rate Overnight Index Swap Rate [Member] Basic (in USD per share) Earnings Per Share, Basic Commercial paper Commercial paper Commercial Paper [Member] Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table] Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table] Total common stock reserved for future issuance (in shares) Maximum number of common stock available for issuance (in shares) Common Stock, Capital Shares Reserved for Future Issuance Debt instrument, authorized repurchase amount Debt Instrument, Authorized Repurchase Amount Debt Instrument, Authorized Repurchase Amount Discount Rate Measurement Input, Discount Rate [Member] Threshold percentage of stock price trigger Debt Instrument, Convertible, Threshold Percentage of Stock Price Trigger Measurement Input Type [Domain] Measurement Input Type [Domain] Prepayment Rate increase of 40% Sensitivity Analysis of Fair Value, Residual Interests In Structured Transactions, Impact of 40 Percent Adverse Change in Prepayment Speed Sensitivity Analysis of Fair Value, Residual Interests In Structured Transactions, Impact of 40 Percent Adverse Change in Prepayment Speed Affiliated Entity Affiliated Entity [Member] 2022 Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years Before Current Fiscal Year, Recoveries Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years Before Current Fiscal Year, Recoveries Total Charge-offs Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff Award Timing MNPI Disclosure Award Timing MNPI Disclosure [Text Block] Schedule of Aggregate Fair Value of Servicing Assets Schedule of Servicing Assets at Fair Value [Table Text Block] Consolidated Variable Interest Entities Variable Interest Entity, Primary Beneficiary [Member] Derivative Instruments, Gain (Loss) [Line Items] Derivative Instruments, Gain (Loss) [Line Items] Total stock-based compensation in operating expenses Share-Based Payment Arrangement, Expense Hedging Designation [Domain] Hedging Designation [Domain] Notes issued by securitization trusts Notes Payable, Fair Value Disclosure Notes issued by securitization trusts Secured Debt Forfeited, expired or cancelled (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Forfeitures in Period Total liabilities and stockholders’ equity Liabilities and Equity Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items] Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items] Number of Options Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding [Roll Forward] Derivative Instruments, Gain (Loss) [Table] Derivative Instruments, Gain (Loss) [Table] Notes Issued By Securitization Trusts Notes Issued By Securitization Trusts [Member] Notes Issued By Securitization Trusts Amounts reclassified into earnings Reclassification from AOCI, Current Period, Net of Tax, Attributable to Parent Threshold consecutive trading days Debt Instrument, Convertible, Threshold Consecutive Trading Days General and administrative General and Administrative Expense [Member] Accounting Policies [Abstract] Schedule of Future Minimum Lease Payments Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block] Principal repayments of notes issued by securitization trust Repayments of Secured Debt 2026 Notes Convertible Senior Notes Due 2026 [Member] Convertible Senior Notes Due 2026 Current fiscal year Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year Pay vs Performance Disclosure [Line Items] Class of Warrant or Right [Axis] Class of Warrant or Right [Axis] Government bonds - US US US Government Agencies Debt Securities [Member] Operating lease liability Present value of total lease liabilities Operating Lease, Liability 4 – 29 calendar days past due 4 – 29 calendar days past due Financial Asset, 4 to 29 Days Past Due [Member] Financial Asset, 4 to 29 Days Past Due Equity securities, downward adjustment Equity Securities without Readily Determinable Fair Value, Downward Price Adjustment, Annual Amount Foreign currency translation adjustments Foreign currency translation adjustments Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax, Portion Attributable to Parent 90 – 119 calendar days past due 90 – 119 calendar days past due Financial Asset, Equal to or Greater than 90 Days Past Due [Member] Liabilities: Liabilities of consolidated VIEs, included in total liabilities above Liabilities [Abstract] Financing receivable, excluding accrued interest, modified, subsequent default Financing Receivable, Excluding Accrued Interest, Modified, Subsequent Default Total Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery) Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward] Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward] Goodwill impairment loss Goodwill, Impairment Loss Commercial agreement warrant expense Increase (Decrease) In Commercial Agreement Assets Increase (Decrease) In Commercial Agreement Assets Restructuring and other Restructuring Charges (Reversals) And Other Expense Restructuring Charges (Reversals) And Other Expense Two years before current fiscal year Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year Statement of Cash Flows [Abstract] Company Selected Measure Amount Company Selected Measure Amount 2029 Lessee, Operating Lease, Liability, to be Paid, Year Three Prior Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff Comprehensive income (loss) Comprehensive Income (Loss), Net of Tax, Attributable to Parent Measurement Input Type [Axis] Measurement Input Type [Axis] Name Measure Name Initial transfers of financial assets Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Issuances Secured Debt Secured Debt [Member] Schedule of Fair Value of Liabilities Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block] Class of Stock [Line Items] Class of Stock [Line Items] Unsecured Debt Unsecured Debt [Member] Schedule of Securities Available for Sale at Fair Value Unrealized Gain (Loss) on Investments [Table Text Block] Risk sharing liabilities Risk Sharing Liabilities [Member] Risk Sharing Liabilities Debt Outstanding net of unamortized premiums and discount Total funding debt, net of deferred debt issuance costs Long-Term Debt Total assets Assets Total assets Assets 2027 Finite-Lived Intangible Asset, Expected Amortization, Year One Vested (in USD per share) Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value Installment financing service agreement, term Installment Financing Service Agreement, Term Installment Financing Service Agreement, Term Financing Receivable, Allowance for Credit Loss [Roll Forward] Financing Receivable, Allowance for Credit Loss [Roll Forward] Cash flows from operating activities Cash Provided by (Used in) Operating Activity, Including Discontinued Operation [Abstract] Processing and servicing Processing And Servicing Expense [Member] Processing And Servicing Expense Loss Rate Measurement Input, Loss Rate [Member] Measurement Input, Loss Rate Greater than 1 year, less than or equal to 5 years, amortized cost Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Amortized Cost Common stock warrants Warrant [Member] Impairment expense on leasehold improvements Impairment, Long-Lived Asset, Held-for-Use Securities available for sale at fair value Other Investments Entity Common Stock, Shares Outstanding Entity Common Stock, Shares Outstanding Thereafter Lessee, Operating Lease, Liability, To Be Paid, Year Four And After Year Four Lessee, Operating Lease, Liability, To Be Paid, Year Four And After Year Four Debt Securities, Available-for-sale [Line Items] Debt Securities, Available-for-Sale [Line Items] Level 2 Fair Value, Inputs, Level 2 [Member] Insider Trading Policies and Procedures Not Adopted Insider Trading Policies and Procedures Not Adopted [Text Block] Changes in fair value of assets and liabilities Gain (Loss) On Changes In Fair Value Of Assets And Liabilities Gain (Loss) On Changes In Fair Value Of Assets And Liabilities Asset Pledged as Collateral Asset Pledged as Collateral [Member] Expenses on sale of warrants Class Of Warrants Or Rights, Expenses On Grant Date Fair Value On Sale Of Warrants Class Of Warrants Or Rights, Expenses On Grant Date Fair Value On Sale Of Warrants Schedule of Adverse Changes in the Fair Value of Residual Interests in Structured Transactions Schedule Of Sensitivity Analysis Of Fair Value, Residual Interests In Structured Transactions [Table Text Block] Schedule Of Sensitivity Analysis Of Fair Value, Residual Interests In Structured Transactions Plan Name [Axis] Plan Name [Axis] Document Information [Table] Document Information [Table] PEO PEO [Member] Proceeds from issuance of notes and certificates by securitization trust Proceeds from Issuance of Secured Debt Schedule of Contractual Maturities of Securities Available for Sale Investments Classified by Contractual Maturity Date [Table Text Block] Within 1 year, fair value Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value Accumulated Deficit Retained Earnings [Member] Share-Based Payment Arrangement [Abstract] Cash, cash equivalents and restricted cash, beginning of period Cash, cash equivalents and restricted cash, end of period Total cash, cash equivalents and restricted cash Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Continuing Operation Income Statement [Abstract] Income Statement [Abstract] Derivative Assets Interest rate derivatives Derivative Asset Greater than 1 year, fair value Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer Profit share liability Commercial Agreement, Profit Share Liability, Fair Value Disclosure Commercial Agreement, Profit Share Liability, Fair Value Disclosure Changes in fair value OCI, before Reclassifications, before Tax, Attributable to Parent Funding costs Interest Expense [Member] Accrued interest payable Increase (Decrease) in Interest Payable, Net Intangible assets Intangible Assets, Net (Excluding Goodwill) Product and Service [Domain] Product and Service [Domain] Vested and exercisable, and expected to vest thereafter (in USD per share) Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price Restatement does not require Recovery Restatement Does Not Require Recovery [Text Block] Total liabilities Liabilities, Fair Value Disclosure Notional Amount Derivative, Notional Amount Organization, Consolidation and Presentation of Financial Statements [Abstract] Remaining expected benefit period Commercial Agreement Asset, Amortization Period, Remaining Expected Benefit Period Commercial Agreement Asset, Amortization Period, Remaining Expected Benefit Period City Area Code City Area Code Schedule of Allowance for Credit Loss Financing Receivable, Allowance for Credit Loss [Table Text Block] Award Timing, How MNPI Considered Award Timing, How MNPI Considered [Text Block] Investments Investment [Text Block] Accrued interest Fair Value, Measurement With Unobservable Inputs Reconciliation, Recurring Basis, Liability, Accrued Interest Fair Value, Measurement With Unobservable Inputs Reconciliation, Recurring Basis, Liability, Accrued Interest Cash settlements Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Settlements Residual interests in structured transactions Residual interests in structured transactions Residual Interests In Structured Transactions [Member] Residual Interests In Structured Transactions 2023 Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years Before Current Fiscal Year, Write Off (Recoveries), Net Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years Before Current Fiscal Year, Write Off (Recoveries), Net Proceeds from the issuance of funding debt Proceeds from Long-Term Lines of Credit Cash flows from investing activities Cash Provided by (Used in) Investing Activity, Including Discontinued Operation [Abstract] General and administrative General and Administrative Expense Pay vs Performance Disclosure Pay vs Performance Disclosure [Table] Operating Lease, Liability, Statement of Financial Position [Extensible List] Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration] Other liabilities Other Liabilities Goodwill Balance as of June 30, 2025 Balance as of September 30, 2025 Goodwill Schedule of Lease Term and Discount Rate Lease, Cost [Table Text Block] Securitization notes and residual trust certificates, change of 25% Sensitivity Analysis Of Fair Value, Securitization Notes And Residual Trust Certificates Liability, Change Of Twenty Five Percentage Point In Measurement Input Sensitivity Analysis Of Fair Value, Securitization Notes And Residual Trust Certificates Liability, Change Of Twenty Five Percentage Point In Measurement Input Thereafter Long-Term Debt, Maturity, After Year Four Long-Term Debt, Maturity, After Year Four Warrants term Warrants and Rights Outstanding, Term Supplemental disclosures of cash flow information Supplemental Cash Flow Information [Abstract] Conversion Period One Conversion Period One [Member] Conversion Period One Other Performance Measure, Amount Other Performance Measure, Amount Weighted Average Exercise Price Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract] Payment of debt issuance costs Payments of Debt Issuance Costs Payable to third-party loan buyers Increase (Decrease) In Third Party Loan Owner Payable Increase (Decrease) In Third Party Loan Owner Payable Related and Nonrelated Parties [Domain] Related and Nonrelated Parties [Domain] Warrants extension term Class Of Warrants Or Rights, Extension Term Class Of Warrants Or Rights, Extension Term Aggregate Intrinsic Value (in thousands) Aggregate Intrinsic Value [Abstract] Aggregate Intrinsic Value Derivative Instrument [Axis] Derivative Instrument [Axis] Vesting [Axis] Vesting [Axis] Restricted cash Restricted cash Restricted Cash Net cash used in investing activities Cash Provided by (Used in) Investing Activity, Including Discontinued Operation Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table [Member] Cash payments for interest expense Interest Paid, Excluding Capitalized Interest, Operating Activity Document Fiscal Year Focus Document Fiscal Year Focus Basis of Presentation Basis of Accounting, Policy [Policy Text Block] Operating lease right-of-use assets Operating Lease, Right-of-Use Asset Schedule of Aggregate Carrying Value of Financial Assets and Liabilities from VIEs Schedule of Assets and Associated Liabilities Accounted for as Secured Borrowings [Table Text Block] Plan Name [Domain] Plan Name [Domain] Carrying Amount Reported Value Measurement [Member] Weighted-average compensation expense recognition period Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition Commercial Agreement with Amazon, Warrants, On Or After 2/1/2026 Commercial Agreement with Amazon, New Users Acquired Subsequent to February 1 [Member] Commercial Agreement with Amazon, New Users Acquired Subsequent to February 1 2026 Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Write Off (Recoveries), Net Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Write Off (Recoveries), Net Issuance of common stock upon exercise of stock options (in shares) Exercised (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period Equity [Abstract] Segment Information Segment Reporting Disclosure [Text Block] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Derivatives not designated as hedges Not Designated as Hedging Instrument [Member] Schedule of Common Stock Reserved for Issuance Schedule Of Common Stock, Reserved For Future Issuance [Table Text Block] Schedule Of Common Stock, Reserved For Future Issuance Increase (Decrease) in Stockholders' Equity [Roll Forward] Increase (Decrease) in Stockholders' Equity [Roll Forward] Commercial Agreement Asset Type [Domain] Commercial Agreement Asset Type [Domain] Commercial Agreement Asset Type [Domain] Finite-Lived Intangible Assets [Line Items] Finite-Lived Intangible Assets [Line Items] Reversal of (impairment on) securities available for sale Fair Value, Measurement With Unobservable Inputs Reconciliation, Recurring Basis, Liability, Impairment On Securities Available For Sale Fair Value, Measurement With Unobservable Inputs Reconciliation, Recurring Basis, Liability, Impairment On Securities Available For Sale Other Other Debt Obligations [Member] Compensation Actually Paid vs. Total Shareholder Return Compensation Actually Paid vs. Total Shareholder Return [Text Block] Agency bonds Agency Securities [Member] Weighted Average Weighted Average [Member] Fair Value, Recurring and Nonrecurring [Table] Fair Value, Recurring and Nonrecurring [Table] Unpaid balance on loans sold with retained servicing rights Loans Sold, Continuing Involvement with Transferred Financial Assets, Principal Amount Outstanding Loans Sold, Continuing Involvement with Transferred Financial Assets, Principal Amount Outstanding Amortization of intangible assets Amortization of Intangible Assets Depreciation and amortization Depreciation, Depletion and Amortization Conversion ratio Debt Instrument, Convertible, Conversion Ratio Schedule of Revenues from External Customers and Long-Lived Assets [Table] Schedule of Revenues from External Customers and Long-Lived Assets [Table] Securitization notes and residual trust certificates, effect of 25% increase (decrease) in measurement input Sensitivity Analysis Of Fair Value, Securitization Notes And Residual Trust Certificates Liability, Effect Of Twenty Five Percentage Point Increase (Decrease) In Measurement Input Sensitivity Analysis Of Fair Value, Securitization Notes And Residual Trust Certificates Liability, Effect Of Twenty Five Percentage Point Increase (Decrease) In Measurement Input Commercial Paper, Agency Bonds & US Government Bonds Agency Bonds, Commercial Paper, and US Government Bonds [Member] Agency Bonds, Commercial Paper, and US Government Bonds Revolving credit facility Revolving Facilities Revolving Credit Facility [Member] Arrangement Duration Trading Arrangement Duration Computer equipment Computer Equipment [Member] Adequate Compensation Measurement Input, Adequate Compensation [Member] Measurement Input, Adequate Compensation Fair Value by Liability Class [Domain] Fair Value by Liability Class [Domain] Local Phone Number Local Phone Number Additional 402(v) Disclosure Additional 402(v) Disclosure [Text Block] Interest receivable charged-off, net of recoveries Financing Receivable, Accrued Interest, Writeoff Equity Incentive Plans Share-Based Payment Arrangement [Text Block] Loans held for investment, net Financing Receivable, Fair Value Disclosure Financing Receivable, Fair Value Disclosure Assets Assets of consolidated VIEs, included in total assets above Assets [Abstract] Credit Facility [Axis] Credit Facility [Axis] Underlying Security Market Price Change Underlying Security Market Price Change, Percent Schedule of Interest Expense Recognized Related to the Convertible Senior Notes Schedule Of Interest Expense Recognized Related To The Convertible Senior Notes [Table Text Block] Schedule Of Interest Expense Recognized Related To The Convertible Senior Notes Financing receivable, modified, length of deferral term Financing Receivable, Modified, Length Of Deferral Term Financing Receivable, Modified, Length Of Deferral Term Debt Instrument [Axis] Debt Instrument [Axis] Forfeited, expired or cancelled (in USD per share) Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value Fair Value of Financial Assets and Liabilities Fair Value Disclosures [Text Block] Gain on extinguishment of debt Gain on extinguishment of debt Gain (Loss) on Extinguishment of Debt Credit Facility [Domain] Credit Facility [Domain] Stockholders’ equity: Equity, Attributable to Parent [Abstract] Vesting rights percentage Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Rights, Percentage Schedule of Amortized Cost Basis of Loans / Delinquency Status Financing Receivable, Modified [Table Text Block] Interest rate, stated percentage Debt Instrument, Interest Rate, Stated Percentage 30 – 59 calendar days past due 30 – 59 calendar days past due Financial Asset, 30 to 59 Days Past Due [Member] Balance Sheet Related Disclosures [Abstract] Servicing liabilities Fair value at beginning of period Fair value at end of period Servicing Liability at Fair Value, Amount Accounts receivable, net Accounts Receivable, after Allowance for Credit Loss Entity Registrant Name Entity Registrant Name Net derivative losses included within AOCI expected to be reclassified Cash Flow Hedge Gain (Loss) to be Reclassified within 12 Months Accumulated amortization Commercial Agreement Asset, Accumulated Amortization Commercial Agreement Asset, Accumulated Amortization Stock Price or TSR Estimation Method Stock Price or TSR Estimation Method [Text Block] Municipal bonds Municipal bonds Municipal Bonds [Member] Warehouse credit facilities Warehouse Credit Facility [Member] Warehouse Credit Facility Premiums on loans held for investment Financing Receivable, Unamortized Purchase Premium Financing Receivable, Unamortized Purchase Premium Vested and exercisable, and expected to vest thereafter (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number Performance fee liability, measurement input Performance Fee Liability, Measurement Input Performance Fee Liability, Measurement Input Total assets Assets, Fair Value Disclosure Share-based payment arrangement, expense, period for recognition Share-Based Payment Arrangement, Expense, Period For Recognition Share-Based Payment Arrangement, Expense, Period For Recognition Number of securities with unrealized losses Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions Securitization notes and residual trust certificates, change of 50% Sensitivity Analysis Of Fair Value, Securitization Notes And Residual Trust Certificates Liability, Change Of Fifty Percentage Point In Measurement Input Sensitivity Analysis Of Fair Value, Securitization Notes And Residual Trust Certificates Liability, Change Of Fifty Percentage Point In Measurement Input Equity securities held at cost Equity securities held at cost Equity Securities without Readily Determinable Fair Value, Amount Number of operating segments Number of Operating Segments Fair value at beginning of period Fair value at end of period Servicing Asset at Fair Value, Amount Repayments of convertible debt Repayments of Convertible Debt Granted (in USD per share) Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value Related and Nonrelated Parties [Axis] Related and Nonrelated Parties [Axis] Schedule of Finite-Lived Intangible Assets Schedule of Finite-Lived Intangible Assets [Table Text Block] Principal repayments of funding debt Repayments of Long-Term Lines of Credit Restatement Determination Date: Restatement Determination Date [Axis] Funding costs Total interest expenses related to the convertible notes Interest Expense, Debt Facilitation of loans Fair Value, Measurement With Unobservable Inputs Reconciliation, Recurring Basis, Liability, Facilitation Of Loans Fair Value, Measurement With Unobservable Inputs Reconciliation, Recurring Basis, Liability, Facilitation Of Loans Discount Rate increase of 20% Sensitivity Analysis of Fair Value, Residual Interests In Structured Transactions, Impact of 20 Percent Adverse Change in Discount Rate Sensitivity Analysis of Fair Value, Residual Interests In Structured Transactions, Impact of 20 Percent Adverse Change in Discount Rate Purchases and origination of loans held for sale Payment for Origination and Purchase, Loan, Held-for-Sale Name Trading Arrangement, Individual Name Debt instrument, face amount Debt Instrument, Face Amount Prior Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Recoveries Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Recoveries Banking and Thrift, Interest [Abstract] Name Awards Close in Time to MNPI Disclosures, Individual Name Balance, beginning of period (in USD per share) Balance, ending of period (in USD per share) Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value Aggregate Erroneous Compensation Not Yet Determined Aggregate Erroneous Compensation Not Yet Determined [Text Block] Funding Debt Funding Debt [Member] Funding Debt Warrants vested fully upon grant, asset recognized Commercial Agreement Asset, Warrants Vested, Asset Recognized Commercial Agreement Asset, Warrants Vested, Asset Recognized Stock-based compensation APIC, Share-Based Payment Arrangement, Increase for Cost Recognition Impairment loss Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual Amount Servicing liability, effect of 25% increase in measurement input Sensitivity Analysis Of Fair Value, Servicing Liability, Effect Of Twenty Five Percentage Point Increase In Measurement Input Sensitivity Analysis Of Fair Value, Servicing Liability, Effect Of Twenty Five Percentage Point Increase In Measurement Input Liability Class [Axis] Liability Class [Axis] Servicing liability, effect of 10% increase in measurement input Sensitivity Analysis Of Fair Value, Servicing Liability, Effect Of Ten Percentage Point Increase In Measurement Input Sensitivity Analysis Of Fair Value, Servicing Liability, Effect Of Ten Percentage Point Increase In Measurement Input Statement of Income Location, Balance [Axis] Statement of Income Location, Balance [Axis] Other Payment for Other Operating Activity Fair Value Hierarchy and NAV [Domain] Fair Value Hierarchy and NAV [Domain] Statement of Financial Position Location, Balance [Domain] Statement of Financial Position Location, Balance [Domain] Lease termination notice period Lessee, Operating Lease, Termination Notice Period Lessee, Operating Lease, Termination Notice Period Shares purchased by warrants (in shares) Class of Warrant or Right, Number of Securities Called by Warrants or Rights Less: Accumulated depreciation and amortization Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment Purchases of securities available for sale Payments to Acquire Debt Securities, Available-for-Sale 2024 Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years Before Current Fiscal Year, Write Off (Recoveries), Net Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years Before Current Fiscal Year, Write Off (Recoveries), Net Accrued interest payable Interest Payable Fiscal year before current fiscal year Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year Financial Asset, Period Past Due [Axis] Financial Asset, Aging [Axis] All Executive Categories All Executive Categories [Member] Total stock-based compensation Share-Based Payment Arrangement, Expensed and Capitalized, Amount Common stock Common Stock, Value, Issued Contractual interest income on unpaid principal balance Interest and Fee Income, Loans and Leases Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table] Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table] Commitments and contingencies (Note 7) Commitments and Contingencies 2026 Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff Installment financing service agreement, extension term Installment Financing Service Agreement, Extension Term Installment Financing Service Agreement, Extension Term Numerator: Net Income (Loss) Available to Common Stockholders, Basic [Abstract] Economic risk retention Variable Interest Entity, Not Primary Beneficiary, Required Economic Risk Retention Variable Interest Entity, Not Primary Beneficiary, Required Economic Risk Retention PEO Actually Paid Compensation Amount PEO Actually Paid Compensation Amount Exercised (in USD per share) Class of Warrant or Right, Exercised, Weighted Average Exercise Price Class of Warrant or Right, Exercised, Weighted Average Exercise Price Balance Sheet Components Supplemental Balance Sheet Disclosures [Text Block] 60 – 89 calendar days past due 60 – 89 calendar days past due Financial Asset, 60 to 89 Days Past Due [Member] Hedging Designation [Axis] Hedging Designation [Axis] Scenario [Axis] Scenario [Axis] Value creation award vested shares Value Creation Award Vested Shares [Member] Value Creation Award Vested Shares Derivative Contract [Domain] Derivative Contract [Domain] 2020 Employee Stock Purchase Plan 2020 Employee Stock Purchase Plan [Member] 2020 Employee Stock Purchase Plan Financing Receivable, Allowance for Credit Loss [Table] Financing Receivable, Allowance for Credit Loss [Table] All Individuals All Individuals [Member] Long-term Debt, Type [Domain] Long-Term Debt, Type [Domain] 2026 Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Recoveries Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Recoveries Fair Value Disclosures [Abstract] Additions to property, equipment and software Payments to Acquire Property, Plant, and Equipment Servicing asset, effect of 50% increase in measurement input Sensitivity Analysis Of Fair Value, Servicing Asset, Effect Of Fifty Percentage Point Increase In Measurement Input Sensitivity Analysis Of Fair Value, Servicing Asset, Effect Of Fifty Percentage Point Increase In Measurement Input Name Forgone Recovery, Individual Name Expiration period Share-Based Compensation Arrangement by Share-Based Payment Award, Expiration Period Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested [Member] Number of votes per share Common Stock, Voting Rights, Number Of Votes Per Share Common Stock, Voting Rights, Number Of Votes Per Share Weighted average interest rate Debt, Weighted Average Interest Rate Adjustments Goodwill, Foreign Currency Translation, Gain (Loss) Commercial Agreement, Profit Share Liability Commercial Agreement, Profit Share Liability [Member] Commercial Agreement, Profit Share Liability 2022 Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff Default Rate increase of 40% Sensitivity Analysis of Fair Value, Residual Interests In Structured Transactions, Impact of 40 Percent Adverse Change In Default Rate Sensitivity Analysis of Fair Value, Residual Interests In Structured Transactions, Impact of 40 Percent Adverse Change In Default Rate Erroneous Compensation Analysis Erroneous Compensation Analysis [Text Block] Intangible Asset, Finite-Lived [Table] Intangible Asset, Finite-Lived [Table] Prepayment rate decrease of 50% Sensitivity Analysis Of Fair Value, Risk Sharing Arrangement, Impact Of 50 Percent Decrease Change In Prepayment Speed Sensitivity Analysis Of Fair Value, Risk Sharing Arrangement, Impact Of 50 Percent Decrease Change In Prepayment Speed Line of Credit Facility [Line Items] Line of Credit Facility [Line Items] Lessee, Lease, Description [Line Items] Lessee, Lease, Description [Line Items] Amortization of premiums and discounts on loans Accretion (Amortization) Of Discounts And Premiums, Financing Receivables Accretion (Amortization) Of Discounts And Premiums, Financing Receivables Card network revenue Virtual Card Network [Member] Virtual Card Network Rule 10b5-1 Arrangement Terminated Rule 10b5-1 Arrangement Terminated [Flag] Other investing inflows Proceeds From Other Investing Activities Proceeds From Other Investing Activities Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items] Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items] Forecast Forecast [Member] Total, Net Carrying Value Debt Securities, Available For Sale, Amortized Cost, Including Credit Loss Allowance Debt Securities, Available For Sale, Amortized Cost, Including Credit Loss Allowance Erroneously Awarded Compensation Recovery Erroneously Awarded Compensation Recovery [Table] Title of 12(b) Security Title of 12(b) Security Vested and exercisable, and expected to vest thereafter Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Exercisable, Aggregate Intrinsic Value Lessee, Lease, Description [Table] Lessee, Lease, Description [Table] Within 1 year, amortized cost Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Amortized Cost Conversion Period Two Conversion Period Two [Member] Conversion Period Two Accounts payable Accounts Payable Other comprehensive income (loss) Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent [Abstract] Net income (loss) per share attributable to common stockholders for Class A and Class B Earnings Per Share [Abstract] Loss on loan purchase commitment Loss On Financing Receivable Commitments To Purchase Loss On Financing Receivable Commitments To Purchase Schedule of Calculation of Diluted Net Income (Loss) Per Share Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table Text Block] Schedule of Interest Income Interest Income and Interest Expense Disclosure [Table Text Block] 2024 Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff Merchant relationships Merchant Relationships [Member] Merchant Relationships Servicing asset, effect of 10% increase in measurement input Sensitivity Analysis Of Fair Value, Servicing Asset, Effect Of Ten Percentage Point Increase In Measurement Input Sensitivity Analysis Of Fair Value, Servicing Asset, Effect Of Ten Percentage Point Increase In Measurement Input Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items] Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items] Financing Receivable, Allowance for Credit Loss [Line Items] Financing Receivable, Allowance for Credit Loss [Line Items] Exercised (in USD per share) Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price Servicing income Contractually Specified Servicing Fee, Late Fee, and Ancillary Fee Earned in Exchange for Servicing Financial Asset Award Timing Disclosures [Line Items] Measurement Frequency [Domain] Measurement Frequency [Domain] Stockholders' Equity Equity [Text Block] Loan Restructuring Modification [Domain] Loan Restructuring Modification [Domain] Commercial Agreement - Shopify Commercial Agreement - Shopify [Member] Commercial Agreement - Shopify Net income (loss) Net income (loss) Net income (loss) Net Income (Loss) Attributable to Parent Subsequent Event [Table] Subsequent Event [Table] Siphelele Jiyane [Member] Siphelele Jiyane Vesting period Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period Performance fee liability Performance Fee Liability, Fair Value Disclosure Performance Fee Liability, Fair Value Disclosure Adoption Date Trading Arrangement Adoption Date Base Rate Base Rate [Member] Less: Discount due to loss on directly originated loans Financing Receivable, Loss On Self-Organizing Loans Financing Receivable, Loss On Self-Organizing Loans Financing Receivable, Past Due [Table] Financing Receivable, Past Due [Table] Operating income (loss) Operating Income (Loss) Line of Credit Line of Credit [Member] Accumulated deficit Retained Earnings (Accumulated Deficit) Securitization notes and residual trust certificates, effect of 50% increase (decrease) in measurement input Sensitivity Analysis Of Fair Value, Securitization Notes And Residual Trust Certificates Liability, Effect Of Fifty Percentage Point Increase (Decrease) In Measurement Input Sensitivity Analysis Of Fair Value, Securitization Notes And Residual Trust Certificates Liability, Effect Of Fifty Percentage Point Increase (Decrease) In Measurement Input Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested [Member] Subsequent changes in fair value Servicing Asset at Fair Value, Changes in Fair Value Resulting from Changes in Valuation Inputs or Changes in Assumptions Class of Stock [Axis] Class of Stock [Axis] Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent [Member] Subsequent Event Type [Domain] Subsequent Event Type [Domain] Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table [Member] Subsequent changes in fair value Servicing Liability at Fair Value, Changes in Fair Value Resulting from Changes in Valuation Inputs or Changes in Assumptions Other income, net Other Nonoperating Income (Expense) Statement [Table] Statement [Table] Adjustments to reconcile net income (loss) to net cash used in operating activities: Adjustment to Reconcile Net Income to Cash Provided by (Used in) Operating Activity [Abstract] Cash flows from financing activities Cash Provided by (Used in) Financing Activity, Including Discontinued Operation [Abstract] Period of suspended accrued interest past due Financing Receivable, Threshold Period Past Due, Suspended Accrued Interest Financing Receivable, Threshold Period Past Due, Suspended Accrued Interest Initial transfers of financial liabilities Servicing Liability at Fair Value, Additions Actual performance Fair Value, Measurement With Unobservable Inputs Reconciliation, Recurring Basis, Liability, Actual Gain (Loss) Fair Value, Measurement With Unobservable Inputs Reconciliation, Recurring Basis, Liability, Actual Gain (Loss) Debt Instrument, Conversion [Axis] Debt Instrument, Conversion [Axis] Debt Instrument, Conversion Risk sharing assets/liabilities Risk Sharing Assets/Liabilities [Member] Risk Sharing Assets/Liabilities Schedule of Fair Value of Assets Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block] All Adjustments to Compensation All Adjustments to Compensation [Member] Amendment Flag Amendment Flag Number of common stock available for issuance (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Authorized Internally developed software Software Development [Member] 2012 Stock Plan Amended And Restated 2012 Stock Plan [Member] Amended And Restated 2012 Stock Plan Termination Date Trading Arrangement Termination Date Insider Trading Policies and Procedures Adopted Insider Trading Policies and Procedures Adopted [Flag] Balance at beginning of period Balance at end of period Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest Total net assets of consolidated VIEs Net Assets Weighted average discount rate Operating Lease, Weighted Average Discount Rate, Percent Schedule of Stock Option Activity Share-Based Payment Arrangement, Option, Activity [Table Text Block] Basic (in shares) Weighted average shares of common stock - basic (in shares) Weighted Average Number of Shares Outstanding, Basic Share-based Payment Arrangement, Expensed and Capitalized, Amount [Table] Share-Based Payment Arrangement, Expensed and Capitalized, Amount [Table] Prepayment rate decrease of 25% Sensitivity Analysis Of Fair Value, Risk Sharing Arrangement, Impact Of 25 Percent Decrease Change In Prepayment Speed Sensitivity Analysis Of Fair Value, Risk Sharing Arrangement, Impact Of 25 Percent Decrease Change In Prepayment Speed Variable Rate Component [Axis] Variable Rate Component [Axis] Variable Rate Component Schedule of Basic and Diluted Net Income (Loss) Per Share Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] Vested and exercisable (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Number Commercial agreement, profit share liability, measurement input Commercial Agreement, Profit Share Liability, Measurement Input Commercial Agreement, Profit Share Liability, Measurement Input Subsequent Events [Abstract] Segment Reporting [Abstract] 2030 and thereafter Finite-Lived Intangible Asset, Expected Amortization, After Year Three Finite-Lived Intangible Asset, Expected Amortization, After Year Three Operating lease expense Operating Lease, Expense Debt Disclosure [Abstract] Scenario [Domain] Scenario [Domain] Total intangible assets Intangible Assets, Net (Excluding Goodwill And Not Yet Placed Into Service) Intangible Assets, Net (Excluding Goodwill And Not Yet Placed Into Service) Available-for-sale securities, realized gain (loss) Debt Securities, Available-for-Sale, Realized Gain (Loss) Fair Value Disclosure of Asset and Liability Not Measured at Fair Value [Table] Fair Value Disclosure of Asset and Liability Not Measured at Fair Value [Table] Forgone Recovery due to Expense of Enforcement, Amount Forgone Recovery due to Expense of Enforcement, Amount Share-based Compensation Arrangement by Share-based Payment Award [Line Items] Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items] Common stock, par value (in USD per share) Common Stock, Par or Stated Value Per Share Consolidated Entities [Axis] Consolidated Entities [Axis] Derivative Instruments and Hedging Activities Disclosures [Line Items] Derivative Instruments and Hedging Activities Disclosures [Line Items] Commercial Agreement with Amazon, $0.01 Warrants Commercial Agreement with Amazon, $0.01 Warrants [Member] Commercial Agreement with Amazon, $0.01 Warrants Weighted average remaining life, exercisable Class of Warrant or Right, Exercisable, Weighted Average Remaining Life Class of Warrant or Right, Exercisable, Weighted Average Remaining Life Right to purchase shares (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Gross Use of Estimates Use of Estimates, Policy [Policy Text Block] Cash settlements Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements Senior Notes and Residual Trust Certificates Senior Notes And Residual Trust Certificates [Member] Senior Notes And Residual Trust Certificates Equity securities, upward adjustment Equity Securities without Readily Determinable Fair Value, Upward Price Adjustment, Annual Amount Subsequent Events Subsequent Events [Text Block] Insider Trading Arrangements [Line Items] Prior Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year Forfeited, expired or cancelled (in USD per share) Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Forfeitures in Period, Weighted Average Exercise Price Schedule of Accrued Expenses and Other Liabilities Schedule Of Accrued Liabilities And Other Liabilities [Table Text Block] Schedule Of Accrued Liabilities And Other Liabilities Allowance for Credit Losses Debt Securities, Available-for-Sale, Allowance for Credit Loss, Excluding Accrued Interest Non-delinquent loans Non-delinquent loans Financial Asset, Not Past Due [Member] Total liabilities Liabilities Total liabilities Liabilities Antidilutive Securities, Name [Domain] Antidilutive Securities, Name [Domain] Unused Commitment Fees Unused commitment fees Line of Credit Facility, Commitment Fee Percentage Other income, net Other Nonoperating Income (Expense) [Member] % of total loan receivables outstanding Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 2023 Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years Before Current Fiscal Year, Recoveries Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years Before Current Fiscal Year, Recoveries Period following threshold consecutive trading days Debt Instrument, Convertible, Period Following Threshold Consecutive Trading Days Debt Instrument, Convertible, Period Following Threshold Consecutive Trading Days Pension Adjustments Prior Service Cost Pension Adjustments Prior Service Cost [Member] Proceeds from maturities and repayments of securities available for sale Proceeds from Sale and Maturity of Debt Securities, Available-for-Sale Material Terms of Trading Arrangement Material Terms of Trading Arrangement [Text Block] Commercial Agreement - Amazon Commercial Agreement - Amazon [Member] Commercial Agreement - Amazon Discount rate increase of 25% Sensitivity Analysis of Fair Value, Risk Sharing Arrangement, Impact of 25 Percent Adverse Change in Discount Rate Sensitivity Analysis of Fair Value, Risk Sharing Arrangement, Impact of 25 Percent Adverse Change in Discount Rate Schedule of Restricted Stock Unit Activity Share-Based Payment Arrangement, Restricted Stock Unit, Activity [Table Text Block] Threshold trading days Debt Instrument, Convertible, Threshold Trading Days Securities, available for sale: Debt Securities, Available-for-Sale Entity Incorporation, State or Country Code Entity Incorporation, State or Country Code Non-NEOs Non-NEOs [Member] Program Profitability Measurement Input, Program Profitability [Member] Measurement Input, Program Profitability