Condensed Consolidated Statements of Income - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Non-interest income:
Marketplace revenue		$ 173,837	$ 174,556	$ 560,187	$ 408,018
Other non-interest income		7,400	6,322	24,739	18,670
Total non-interest income		181,237	180,878	584,926	426,688
Interest income:
Interest on loans held for sale		5,879	8,536	20,459	22,387
Interest and fees on loans and leases held for investment		124,028	57,644	324,381	112,013
Interest on retail and certificate loans held for investment at fair value		3,685	12,172	15,745	48,448
Interest on other loans held for investment at fair value		791	973	2,015	3,674
Interest on securities available for sale		3,820	3,180	12,757	7,954
Other interest income		5,017	355	7,984	701
Total interest income		143,220	82,860	383,341	195,177
Interest expense:
Interest on deposits		15,184	1,899	24,700	4,612
Interest on short-term borrowings		87	849	939	3,116
Interest on retail notes, certificates and secured borrowings		3,685	12,172	15,745	48,448
Interest on Structured Program borrowings		225	2,120	1,349	7,996
Interest on other long-term debt		363	532	1,026	1,306
Total interest expense		19,544	17,572	43,759	65,478
Net interest income		123,676	65,288	339,582	129,699
Total net revenue		304,913	246,166	924,508	556,387
Provision for credit losses		82,739	37,524	205,814	93,651
Non-interest expense:
Compensation and benefits		84,916	73,304	251,629	209,649
Marketing		46,031	50,782	162,608	105,434
Equipment and software		12,491	10,297	35,998	27,471
Occupancy		5,051	6,486	17,279	19,543
Depreciation and amortization		10,681	10,549	32,277	33,823
Professional services		11,943	11,750	40,487	34,873
Other non-interest expense		15,106	15,607	46,531	42,373
Total non-interest expense		186,219	178,775	586,809	473,166
Income (Loss) before income tax benefit (expense)		35,955	29,867	131,885	(10,430)
Income tax benefit (expense)		7,243	(2,682)	134,209	(98)
Net income (loss)		$ 43,198	$ 27,185	$ 266,094	$ (10,528)
Common Stock
Net income (loss) per share:
Basic EPS ($ per share)	[1]	$ 0.41	$ 0.27	$ 2.59	$ (0.11)
Diluted EPS ($ per share)	[1]	$ 0.41	$ 0.26	$ 2.56	$ (0.11)
Weighted-average common shares – Basic (shares)	[1]	104,215,594	99,073,507	102,838,645	96,531,725
Weighted-average common shares – Diluted (shares)	[1]	105,853,938	106,108,662	104,116,240	96,531,725
Preferred stock
Net income (loss) per share:
Basic EPS ($ per share)	[1]	$ 0	$ 0	$ 0	$ (0.11)
Diluted EPS ($ per share)	[1]	$ 0	$ 0	$ 0	$ (0.11)
Weighted-average common shares – Basic (shares)	[1]	0	0	0	873,217
Weighted-average common shares – Diluted (shares)	[1]	0	0	0	873,217

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