Consolidated Statements of Income - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Non-interest income:
Marketplace revenue		$ 291,484	$ 683,626	$ 578,580
Other non-interest income		11,297	28,765	27,219
Total non-interest income		302,781	712,391	605,799
Interest income:
Interest on loans held for sale		35,655	26,183	29,540
Interest and fees on loans and leases held for investment		616,735	465,450	188,977
Interest on loans held for investment at fair value		69,866	12,877	4,436
Interest on retail and certificate loans held for investment at fair value		4,222	18,135	57,684
Interest on securities available for sale		40,235	16,116	11,025
Other interest income		65,917	18,579	1,170
Total interest income		832,630	557,340	292,832
Interest expense:
Interest on deposits		265,556	60,451	7,228
Interest on retail notes and certificates at fair value		4,222	18,135	57,684
Other interest expense		1,014	3,929	15,089
Total interest expense		270,792	82,515	80,001
Net interest income		561,838	474,825	212,831
Total net revenue		864,619	1,187,216	818,630
Provision for credit losses		243,565	267,326	138,800
Non-interest expense:
Compensation and benefits		261,948	339,397	288,390
Marketing		93,840	197,747	156,142
Equipment and software		53,485	49,198	39,490
Depreciation and amortization		47,195	43,831	44,285
Professional services		35,173	50,516	47,572
Occupancy		17,532	21,977	24,249
Other non-interest expense		57,264	64,187	61,258
Total non-interest expense		566,437	766,853	661,386
Income before income tax benefit (expense)		54,617	153,037	18,444
Income tax benefit (expense)		(15,678)	136,648	136
Net income	[1]	$ 38,939	$ 289,685	$ 18,580
Common Stock
Earnings per share:
Basic EPS - common stockholders ($ per share)	[1]	$ 0.36	$ 2.80	$ 0.19
Diluted EPS - common stockholders ($ per share)	[1]	$ 0.36	$ 2.79	$ 0.18
Weighted-average common shares - Basic (shares)	[1]	108,466,179	103,547,305	97,486,754
Weighted-average common shares - Diluted (shares)	[1]	108,468,857	104,001,288	102,147,353
Preferred Stock
Earnings per share:
Basic EPS - common stockholders ($ per share)	[1]	$ 0.00	$ 0.00	$ 0.19
Diluted EPS - common stockholders ($ per share)	[1]	$ 0.00	$ 0.00	$ 0.00
Weighted-average common shares - Basic (shares)	[1]	0	0	653,118
Weighted-average common shares - Diluted (shares)	[1]	0	0	0

[1] See “Notes to Consolidated Financial Statements – Note 4. Earnings Per Share” for additional information.