Condensed Consolidated Statements of Cash Flow (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Cash flows from operating activities
Net income (loss)	$ (69,321)	$ 33,248
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Depreciation and amortization	34,624	20,390
Goodwill impairment	108,472	0
Fair value adjustment, net	135,935	26,457
Origination fees for loans receivable at fair value, net	(17,699)	(9,070)
Gain on loan sales	(5,708)	(17,083)
Stock-based compensation expense	20,752	14,542
Other, net	32,183	37,609
Originations of loans sold and held for sale	(50,643)	(136,285)
Proceeds from sale of loans	56,800	151,924
Changes in other assets and other liabilities	(86,052)	(18,004)
Net cash provided by operating activities	159,343	103,728
Cash flows from investing activities
Originations of loans	(2,178,675)	(1,113,515)
Proceeds from loan sales originated as held for investment	247,943	0
Repayments of loan principal	1,055,113	817,843
Capitalization of system development costs	(36,824)	(18,508)
Other, net	(3,434)	(2,561)
Net cash used in investing activities	(915,877)	(316,741)
Cash flows from financing activities
Borrowings under secured financing	1,687,050	895,535
Borrowings under asset-backed notes, acquisition and corporate financing	967,761	867,251
Repayments of secured financing	(1,717,050)	(615,994)
Repayments of asset-backed notes, acquisition and corporate financing	(87,253)	(875,007)
Payments of deferred financing costs	(6,503)	0
Net payments related to stock-based activities	(8,224)	(3,607)
Net cash provided by financing activities	835,781	268,178
Net increase in cash and cash equivalents and restricted cash	79,247	55,165
Cash and cash equivalents and restricted cash, beginning of period	192,960	168,590
Cash and cash equivalents and restricted cash, end of period	272,207	223,755
Supplemental disclosure of cash flow information
Cash and cash equivalents	175,857	168,407
Restricted cash	96,350	55,348
Total cash and cash equivalents and restricted cash	272,207	223,755
Cash paid for income taxes, net of refunds	(3,944)	2,048
Cash paid for interest	51,509	36,582
Cash paid for amounts included in the measurement of operating lease liabilities	7,772	13,802
Supplemental disclosures of non-cash investing and financing activities
Right of use assets obtained in exchange for operating lease obligations	2,831	6,677
Non-cash investments in capitalized assets	2,577	1,960
Non-cash financing activities	$ 2,325	$ 1,121