| Assets | — | — |
| Cash and cash equivalents | 1,013,106a | 892,027a |
| Restricted cash | 282,293a | 367,917a |
| Securities available for sale at fair value | 1,131,628a | 1,174,653a |
| Loans held for sale | 36a | 76a |
| Loans held for investment | 5,670,056a | 4,402,962a |
| Allowance for credit losses | -309,097a | -204,531a |
| Loans held for investment, net | 5,360,959a | 4,198,431a |
| Accounts receivable, net | 353,028a | 199,085a |
| Property, equipment and software, net | 427,686a | 290,135a |
| Goodwill | 533,439a | 542,571a |
| Intangible assets | 13,502a | 34,434a |
| Commercial agreement assets | 104,602a | 177,672a |
| Other assets | 299,340a | 278,614a |
| Total assets | 9,519,619a | 8,155,615a |
| Liabilities and stockholders’ equity | — | — |
| Liabilities | — | — |
| Accounts payable | 41,019a | 28,602a |
| Payable to third-party loan owners | 159,643a | 53,852a |
| Accrued interest payable | 24,327a | 13,498a |
| Accrued expenses and other liabilities | 147,429a | 180,883a |
| Convertible senior notes, net | 1,341,430a | 1,414,208a |
| Notes issued by securitization trusts | 3,236,873a | 2,165,577a |
| Funding debt | 1,836,909a | 1,764,812a |
| Total liabilities | 6,787,630a | 5,621,432a |
| Stockholders’ equity | — | — |
| Class A common stock, par value $0.00001 per share: 3,030,000,000 shares authorized, 267,305,456 shares issued and outstanding as of June 30, 2024; 3,030,000,000 shares authorized, 237,230,381 shares issued and outstanding as of June 30, 2023 | 2a | 2a |
| Class B common stock, par value $0.00001 per share: 140,000,000 shares authorized, 43,747,575 shares issued and outstanding as of June 30, 2024; 140,000,000 authorized, 59,615,836 shares issued and outstanding as of June 30, 2023 | 1a | 1a |
| Additional paid in capital | 5,862,555a | 5,140,850a |
| Accumulated deficit | -3,109,004a | -2,591,247a |
| Accumulated other comprehensive loss | -21,565a | -15,423a |
| Total stockholders’ equity | 2,731,989a | 2,534,183a |
| Total liabilities and stockholders’ equity | 9,519,619a | 8,155,615a |