| In millions, except per share items | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 | Dec-31-13 | Dec-31-12 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Cash flows from operating activities | | | | | | | | |
| Net income (loss) | 23.6 | 24.6 | -14.9 | -85.5 | -2.2 | -18.7 | -24.4 | |
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| Adjustments to reconcile net income (loss) to net cash from operating activities: | | | | | | | | |
| Depreciation and amortization | 6.4 | 7.8 | 10.0 | | | | | |
| Amortization of debt issuance costs | 70.6 | 64.8 | 52.6 | 40.6 | 35.8 | 29.9 | 19.5 | |
| Stock-based compensation | 11.0 | 11.8 | 12.5 | 15.9 | 11.6 | 2.8 | 0.4 | |
| Amortization of net deferred origination costs | 70.6 | 64.8 | 52.6 | 40.6 | 35.8 | 29.9 | 19.5 | |
| Changes in servicing rights, at fair value | 0.1 | 0.3 | 2.1 | 5.0 | 1.3 | | | |
| Unfunded loan commitment reserve | 1.3 | 1.4 | 0.5 | -0.3 | 2.9 | 1.3 | | |
| Loss on disposal of fixed assets | 3.2 | 5.7 | | | | 0.5 | | |
| Amortization of intangibles | 0.5 | | | | | | | |
| Changes in operating assets and liabilities: | | | | | | | | |
| Other assets | -15.1 | -5.0 | 4.8 | -1.9 | -12.3 | -2.7 | -0.1 | |
| Accounts payable | 2.5 | 1.5 | -2.6 | 2.6 | 0.2 | 1.6 | -0.6 | |
| Interest payable | -0.1 | 0.1 | 0.2 | 1.4 | -0.1 | -0.3 | -0.1 | |
| Accrued expenses and other liabilities | 5.0 | 5.6 | -4.9 | 5.6 | 16.0 | 6.0 | 4.0 | |
| Net cash provided by operating activities | 282.4 | 265.8 | 211.6 | 134.3 | 118.9 | 103.2 | 31.4 | |
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| Cash flows from investing activities | | | | | | | | |
| Purchases of property, equipment and software | -3.2 | -1.1 | -1.3 | -6.6 | -13.7 | -7.6 | -3.7 | |
| Originations of loans and finance receivables, excluding rollovers into new originations | -2,079.4 | -2,115.8 | -1,758.6 | | | | | |
| Payments of net deferred origination costs | -69.4 | -66.7 | -46.1 | -47.1 | -28.4 | -34.3 | -23.2 | |
| Acquisition of shares in business combination | -3.0 | | | | | | | |
| Net cash provided by (used in) investing activities | -303.6 | -401.7 | -158.9 | -583.3 | -168.4 | -371.6 | -176.7 | |
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| Cash flows from financing activities | | | | | | | | |
| Tax withholding related to vesting of restricted stock units | -2.0 | -1.9 | -1.3 | | | | | |
| Repurchases of common stock | -44.0 | | | -0.9 | | | | |
| Proceeds from exercise of stock options | 2.3 | 1.5 | 2.3 | 2.8 | 2.1 | 4.6 | 0.4 | |
| Proceeds from the issuance of debt | 761.4 | 759.2 | 211.8 | 777.7 | | | | |
| Payments of debt issuance costs | -5.3 | -6.0 | -4.1 | -6.3 | -1.7 | -5.7 | -2.1 | |
| Repayments of debt principal | -691.6 | -632.7 | -273.7 | -398.7 | | | | |
| Net cash (used in) provided by financing activities | 20.9 | 121.7 | -62.5 | 374.7 | -10.5 | 484.1 | 142.6 | |
| Effect of exchange rate changes on cash and cash equivalents | -0.5 | -3.1 | 0.7 | | | | | |
| Net increase (decrease) in cash, cash equivalents and restricted cash | -0.8 | -17.2 | -9.2 | | | | | |
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| Reconciliation to amounts on consolidated balance sheets | | | | | | | | |
| Cash and cash equivalents | | | | | | | | |
| Restricted cash | | | | | | | | |
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| Supplemental disclosure of other cash flow information | | | | | | | | |
| Cash paid for interest | 40.0 | 42.2 | 41.9 | 24.8 | 15.4 | 15.0 | 10.6 | |
| Cash paid for income taxes | 9.3 | | | | | | | |
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| Supplemental disclosures of non-cash investing and financing activities | | | | | | | | |
| Stock-based compensation included in capitalized internal-use software | 0.3 | 0.2 | 0.2 | 1.5 | 0.9 | 0.3 | 0.0 | |
| Unpaid principal balance of term loans rolled into new originations | 395.2 | 368.4 | 306.3 | 273.5 | 265.9 | 158.9 | 59.6 | |