Condensed Consolidated Statements of Operations - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021		Sep. 30, 2020
Non-interest income
Marketplace revenue	[1]	$ 174,556	$ 54,635	$ 408,018		$ 175,993
Other non-interest income	[1]	6,322	3,115	18,670		10,166
Total non-interest income	[1]	180,878	57,750	426,688		186,159
Interest income
Interest on loans held for sale	[1]	8,536	14,916	22,387		67,579
Interest and fees on loans and leases held for investment	[1]	57,644	0	112,013		0
Interest on retail and certificate loans held for investment at fair value	[1]	12,172	27,117	48,448		92,193
Interest on other loans held for investment at fair value	[1]	973	1,948	3,674		6,021
Interest on securities available for sale	[1]	3,180	2,754	7,954		9,930
Other interest income	[1]	355	38	701		1,021
Total interest income	[1]	82,860	46,773	195,177		176,744
Interest expense
Interest on deposits	[1]	1,899	0	4,612		0
Interest on short-term borrowings	[1]	849	3,179	3,116		16,332
Interest on retail notes, certificates and secured borrowings	[1]	12,172	27,117	48,448		92,193
Interest on Structured Program borrowings	[1]	2,120	3,046	7,996		11,418
Interest on other long-term debt	[1]	532	137	1,306		372
Total interest expense	[1]	17,572	33,479	65,478		120,315
Net interest income	[1]	65,288	13,294	129,699		56,429
Total net revenue	[1]	246,166	71,044	556,387		242,588
Provision for (reversal of) credit losses	[1]	37,524	(3,669)	93,651	[2]	3,800	[2]
Non-interest expense
Compensation and benefits	[1]	73,304	58,649	209,649		199,991
Marketing	[1]	50,782	2,135	105,434		43,030
Equipment and software	[1]	10,297	6,430	27,471		20,931
Occupancy	[1]	6,486	6,466	19,543		22,241
Depreciation and amortization	[1]	10,549	12,348	33,823		41,832
Professional services	[1]	11,750	8,817	34,873		32,723
Other non-interest expense	[1]	15,607	14,267	42,373		38,678
Total non-interest expense	[1]	178,775	109,112	473,166		399,426
Income (Loss) before income tax expense		29,867	(34,399)	(10,430)		(160,638)
Income tax expense (benefit)		2,682	(74)	98		245
Consolidated net income (loss)		$ 27,185	$ (34,325)	$ (10,528)	[2]	$ (160,883)	[2]
Common Stock
Non-interest expense
Net income (loss) per share attributable to common stockholders – Basic ($ per share)	[3]	$ 0.27	$ (0.38)	$ (0.11)		$ (2.35)
Net income (loss) per share attributable to common stockholders – Diluted ($ per share)	[3]	$ 0.26	$ (0.38)	$ (0.11)		$ (2.35)
Weighted-average shares – Basic (shares)	[3]	99,073,507	73,566,385	96,531,725		76,781,157
Weighted-average shares – Diluted (shares)	[3]	106,108,662	73,566,385	96,531,725		76,781,157
Preferred stock
Non-interest expense
Net income (loss) per share attributable to common stockholders – Basic ($ per share)	[3]	$ 0.00	$ (0.38)	$ (0.11)		$ 1.46
Net income (loss) per share attributable to common stockholders – Diluted ($ per share)	[3]	$ 0.00	$ (0.38)	$ (0.11)		$ 1.46
Weighted-average shares – Basic (shares)	[3]	0	17,335,485	873,217		13,174,545
Weighted-average shares – Diluted (shares)	[3]	0	17,335,485	873,217		13,174,545

[1] Prior period amounts have been reclassified to conform to the current period presentation. See “Notes to Condensed Consolidated Financial Statements – Note 1. Summary of Significant Accounting Policies” for additional information.

[2] Prior period amounts have been reclassified to conform to the current period presentation. See “Notes to Condensed Consolidated Financial Statements – Note 1. Summary of Significant Accounting Policies” for additional information.

[3] See “Notes to Condensed Consolidated Financial Statements – Note 4. Net Income (Loss) Per Share” for additional information.