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Condensed Consolidated Statements of Operations - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Operating revenues:        
Revenues $ 65,811 $ 56,807 $ 185,974 $ 145,163
Operating expenses:        
Provision for credit losses 15,983 18,353 43,861 45,995
Processing and servicing costs 7,064 9,494 21,414 23,627
Advertising and marketing 13,914 24,090 38,370 57,087
Compensation and benefits 23,081 24,294 71,380 81,326
Other operating expenses 16,343 18,498 54,922 50,738
Total operating expenses 76,385 94,729 229,947 258,773
Other (income) expenses:        
Interest income (1,332) (1,171) (4,009) (1,831)
Interest expense 3,057 2,403 8,982 6,246
Legal settlement and litigation expenses 0 6,845   6,845
Other strategic financing and transactional expenses 0 2,209 0 5,040
Changes in fair value of earnout liabilities 2 18 (35) (9,616)
Gain on extinguishment of liability 0   0 (4,290)
Changes in fair value of derivative asset on loans to stockholders 0 0 0 5,572
Changes in fair value of public and private warrant liabilities (257) (748) (239) (14,232)
Total other expense (income), net 1,470 9,556 4,699 (6,266)
Net loss before provision for income taxes (12,044) (47,478) (48,672) (107,344)
Provision for income taxes 9 26 24 70
Net loss $ (12,053) $ (47,504) $ (48,696) $ (107,414)
Net loss per share:        
Basic $ (1.01) $ (4.06) $ (4.1) $ (9.32)
Diluted $ (1.01) $ (4.06) $ (4.1) $ (9.32)
Weighted-average shares used to compute net loss per share        
Basic 11,960,078 11,702,147 11,887,199 11,525,164
Diluted 11,960,078 11,702,147 11,887,199 11,525,164
Service based revenue, net [Member]        
Operating revenues:        
Revenues $ 59,179 $ 52,795 $ 166,740 $ 135,054
Transaction based revenue, net [Member]        
Operating revenues:        
Revenues $ 6,632 $ 4,012 $ 19,234 $ 10,109