CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended	9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Operating activities
Net loss from continuing operations		$ (101,526)	$ (57,670)
Adjustments to reconcile net loss to net cash used in operating activities:
Impairment charges	$ 2,407	5,159
Profit share receivable		10,899
Gain on debt extinguishment			(19,640)
Depreciation and amortization		21,963	21,720
Amortization of debt issuance costs		3,312	2,480
Losses on finance receivables and securitization debt, net		109,992	80,246
Stock-based compensation expense		4,949	5,126
Provision to record finance receivables held for sale at lower of cost or fair value		(3,586)	4,375
Amortization of unearned discounts on finance receivables at fair value		(12,674)	(20,273)
Other, net		(3,846)	(12,871)
Changes in operating assets and liabilities:
Originations of finance receivables held for sale		(322,967)	(420,793)
Principal payments received on finance receivables held for sale		133,920	71,906
Other		1,243	(868)
Interest receivable		460	(5,367)
Other assets		8,395	1,629
Other liabilities		(9,847)	(6,826)
Net cash used in operating activities from continuing operations		(154,154)	(356,826)
Net cash provided by (used in) operating activities from discontinued operations		79,257	(68,805)
Net cash used in operating activities		(74,897)	(425,631)
Investing activities
Purchases of finance receivables, held for investment at fair value			(3,392)
Principal payments received on finance receivables, held for investment at fair value		92,217	136,644
Consolidation of VIEs			11,409
Principal payments received on beneficial interests		1,953	4,334
Purchase of property and equipment		(2,111)	(1,926)
Net cash provided by investing activities from continuing operations		92,059	147,069
Net cash provided by (used in) investing activities from discontinued operations		15,908	(9,627)
Net cash provided by investing activities		107,967	137,442
Financing activities
Proceeds from borrowings under secured financing agreements		296,145	261,991
Principal repayment under secured financing agreements		(194,746)	(159,384)
Proceeds from financing of beneficial interests in securitizations		15,821	24,506
Principal repayments of financing of beneficial interests in securitizations		(9,958)	(5,699)
Proceeds from warehouse credit facilities		257,200	332,700
Repayments of warehouse credit facilities		(356,656)	(269,698)
Repurchases of convertible senior notes			(13,194)
Other financing activities		(356)	(1,462)
Net cash provided by financing activities from continuing operations		7,450	169,760
Net cash used in financing activities from discontinued operations		(151,178)	(64,502)
Net cash (used in) provided by financing activities		(143,728)	105,258
Net decrease in cash, cash equivalents and restricted cash		(110,658)	(182,931)
Cash, cash equivalents and restricted cash at the beginning of period		208,819	472,010	$ 472,010
Cash, cash equivalents and restricted cash at the end of period	$ 98,161	98,161	289,079	$ 208,819
Supplemental disclosure of cash flow information:
Cash paid for interest		43,669	26,746
Cash paid for income taxes		$ 351	5,153
Supplemental disclosure of non-cash investing and financing activities:
Finance receivables from consolidation of 2022-2 securitization transaction			180,706
Elimination of beneficial interest from the consolidation of 2022-2 securitization transaction			9,811
Securitization debt from consolidation of 2022-2 securitization transaction			186,386
Reclassification of finance receivables held for sale to finance receivables at fair value, net			$ 248,081