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Debt - Schedule of Debt (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Dec. 31, 2022
Debt Instrument [Line Items]          
Total Outstanding $ 6,269,834,000   $ 6,269,834,000   $ 5,520,963,000
Less: unamortized debt issuance costs, premiums and discounts (28,448,000)   (28,448,000)   (35,081,000)
Total debt 6,241,386,000   6,241,386,000   5,485,882,000
Debt discounts issued     0    
Debt premium     0    
Amount not available for general borrowing purposes to secure letter of credit 6,400,000   6,400,000   9,100,000
Asset Pledged as Collateral          
Debt Instrument [Line Items]          
Amount not available for general borrowing purposes to secure letter of credit 13,700,000   13,700,000   11,700,000
Personal Loan Securitizations          
Debt Instrument [Line Items]          
Total Collateral 620,863,000   620,863,000    
Total Outstanding 374,172,000   374,172,000   529,132,000
Student loan securitizations          
Debt Instrument [Line Items]          
Total Collateral 286,181,000   286,181,000    
Total Outstanding 247,911,000   247,911,000   246,856,000
Secured Debt | Asset Pledged as Collateral          
Debt Instrument [Line Items]          
Total Capacity 150,200,000   150,200,000    
Unsecured Debt          
Debt Instrument [Line Items]          
Total Capacity $ 50,000,000   $ 50,000,000    
Minimum          
Debt Instrument [Line Items]          
Unused commitment fee percentage     0.00%    
Minimum | Personal Loan Securitizations          
Debt Instrument [Line Items]          
Stated Interest Rate 0.49%   0.49%    
Minimum | Student loan securitizations          
Debt Instrument [Line Items]          
Stated Interest Rate 1.83%   1.83%    
Maximum          
Debt Instrument [Line Items]          
Unused commitment fee percentage     0.65%    
Maximum | Personal Loan Securitizations          
Debt Instrument [Line Items]          
Stated Interest Rate 6.21%   6.21%    
Maximum | Student loan securitizations          
Debt Instrument [Line Items]          
Stated Interest Rate 4.44%   4.44%    
Personal loan warehouse facilities | Line of Credit          
Debt Instrument [Line Items]          
Total Collateral $ 2,118,409,000   $ 2,118,409,000    
Total Capacity 4,725,000,000   4,725,000,000    
Total Outstanding $ 1,778,474,000   $ 1,778,474,000   1,452,085,000
Personal loan warehouse facilities | Minimum | Line of Credit          
Debt Instrument [Line Items]          
Stated Interest Rate 5.56%   5.56%    
Personal loan warehouse facilities | Maximum | Line of Credit          
Debt Instrument [Line Items]          
Stated Interest Rate 7.29%   7.29%    
Student loan warehouse facilities | Line of Credit          
Debt Instrument [Line Items]          
Total Collateral $ 2,557,824,000   $ 2,557,824,000    
Total Capacity 3,395,000,000   3,395,000,000    
Total Outstanding $ 2,111,532,000   $ 2,111,532,000   1,504,926,000
Student loan warehouse facilities | Minimum | Line of Credit          
Debt Instrument [Line Items]          
Stated Interest Rate 5.86%   5.86%    
Student loan warehouse facilities | Maximum | Line of Credit          
Debt Instrument [Line Items]          
Stated Interest Rate 7.16%   7.16%    
Credit card warehouse facility | Line of Credit          
Debt Instrument [Line Items]          
Total Collateral $ 0   $ 0    
Stated Interest Rate 6.75%   6.75%    
Total Capacity $ 100,000,000   $ 100,000,000    
Total Outstanding 0   0   0
Risk retention warehouse facilities | Line of Credit          
Debt Instrument [Line Items]          
Total Collateral 87,818,000   87,818,000    
Total Capacity 200,000,000   200,000,000    
Total Outstanding $ 71,745,000   $ 71,745,000   101,964,000
Risk retention warehouse facilities | Minimum | Line of Credit          
Debt Instrument [Line Items]          
Stated Interest Rate 5.43%   5.43%    
Risk retention warehouse facilities | Maximum | Line of Credit          
Debt Instrument [Line Items]          
Stated Interest Rate 7.42%   7.42%    
Revolving credit facility | Line of Credit          
Debt Instrument [Line Items]          
Amount not available for general borrowing purposes to secure letter of credit $ 5,100,000   $ 5,100,000    
Revolving credit facility | Revolving credit facility          
Debt Instrument [Line Items]          
Stated Interest Rate 6.92%   6.92%    
Total Capacity $ 645,000,000   $ 645,000,000    
Total Outstanding $ 486,000,000   $ 486,000,000   486,000,000
Convertible senior notes | Convertible Debt          
Debt Instrument [Line Items]          
Stated Interest Rate 0.00%   0.00%    
Total Outstanding $ 1,200,000,000   $ 1,200,000,000   1,200,000,000
Less: unamortized debt issuance costs, premiums and discounts (15,600,000)   (15,600,000)   (19,400,000)
Interest expense $ 1,274,000 $ 1,270,000 $ 3,819,000 $ 3,805,000  
Effective interest rate 0.42% 0.42% 0.42% 0.42%  
Net carrying amount $ 1,180,000,000   $ 1,180,000,000   1,180,000,000
Other financing | Other Financings          
Debt Instrument [Line Items]          
Total Collateral 158,910,000   158,910,000    
Total Capacity 200,247,000   200,247,000    
Total Outstanding 0   0   $ 0
Other financing | Other Financings | Securities Investment          
Debt Instrument [Line Items]          
Total Collateral 135,900,000   135,900,000    
Other financing | Other Financings | Loans at fair value          
Debt Instrument [Line Items]          
Total Collateral $ 23,000,000   $ 23,000,000