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Consolidated Statements of Operations - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Income Statement [Abstract]    
Interest income $ 201,833 $ 178,482
Interest expense:    
Warehouse credit facility 29,276 19,914
Securitization debt 30,084 21,979
Total interest expense 59,360 41,893
Net interest income 142,473 136,589
Realized and unrealized losses, net of recoveries 119,868 122,541
Net interest income after losses and recoveries 22,605 14,048
Noninterest income:    
Servicing income 6,501 10,041
Warranties and GAP income (loss), net (2,610) 5,713
CarStory revenue 11,610 12,384
Gain on debt extinguishment 37,878
Other income 10,850 9,110
Total noninterest income 26,351 75,126
Expenses:    
Compensation and benefits 97,293 86,700
Professional fees 12,035 14,552
Software and IT costs 15,083 19,601
Depreciation and amortization 29,086 29,113
Interest expense on corporate debt 5,826 5,976
Impairment charges 5,159
Other expenses 16,294 17,687
Total expenses 180,776 173,629
Loss from continuing operations before reorganization items and provision for income taxes (131,820) (84,455)
Reorganization items, net 5,564
Loss from continuing operations before provision for income taxes (137,384) (84,455)
Provision for income taxes from continuing operations 856 642
Net loss from continuing operations (138,240) (85,097)
Net loss from discontinued operations (26,884) (279,514)
Net loss $ (165,124) $ (364,611)
Net loss per share attributable to common stockholders, continuing operations, basic (in Dollars per share) $ (76.24) $ (48.82)
Net loss per share attributable to common stockholders, continuing operations, diluted (in Dollars per share) (76.24) (48.82)
Net loss per share attributable to common stockholders, discontinued operations, basic (in Dollars per share) (14.83) (160.35)
Net loss per share attributable to common stockholders, Discontinued operations, diluted (in Dollars per share) (14.83) (160.35)
Total net loss per share attributable to common stockholders, basic (in Dollars per share) (91.07) (209.17)
Total net loss per share attributable to common stockholders, diluted (in Dollars per share) $ (91.07) $ (209.17)
Weighted-average number of shares outstanding used to compute net loss per share attributable to common stockholders, basic (in Shares) 1,813,168 1,743,128
Weighted-average number of shares outstanding used to compute net loss per share attributable to common stockholders, diluted (in Shares) 1,813,168 1,743,128