Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Cash flows from operating activities:
Net income (loss)	$ (6,325)	$ 8,108
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	49,522	23,343
Depreciation and amortization	2,871	2,633
Loss on disposal of property and equipment	19	11
Share-based compensation	1,419	997
Fair value adjustment on interest rate caps	29	200
Deferred income taxes, net	(5,228)	512
Changes in operating assets and liabilities:
Decrease in other assets	896	2,184
Increase (decrease) in accounts payable and accrued expenses	1,353	(7,292)
Net cash provided by operating activities	44,556	30,696
Cash flows from investing activities:
Net repayments (originations) of finance receivables	1,289	(5,250)
Purchases of intangible assets	(265)	(224)
Purchases of property and equipment	(1,010)	(1,315)
Net cash provided by (used in) investing activities	14	(6,789)
Cash flows from financing activities:
Net payments on senior revolving credit facility	(38,684)	(27,713)
Payments on amortizing loan		(4,765)
Net advances on revolving warehouse credit facility	8,313	828
Net payments on securitizations		(70)
Payments for debt issuance costs	(78)	(280)
Taxes paid related to net share settlement of equity awards	(1,231)	(800)
Net cash used in financing activities	(31,680)	(32,800)
Net change in cash and restricted cash	12,890	(8,893)
Cash and restricted cash at beginning of period	56,427	50,141
Cash and restricted cash at end of period	69,317	41,248
Supplemental cash flow information:
Interest paid	9,082	$ 8,572
Income taxes paid