UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Cash flows from operating activities:
Net income	$ 3,785	$ 512
Accretion of deferred acquisition fees	(5,021)	(3,335)
Accretion of purchase discount on receivables measured at fair value	(886)	(4,163)
Amortization of discount on securitization trust debt	320	592
Amortization of discount on senior secured debt, related party	654	826
Accretion of premium on debt secured by receivables measured at fair value	1,104	2,980
Mark to fair value on debt secured by receivables at fair value	106	2,400
Mark to fair value of receivables at fair value	13	(1,510)
Depreciation and amortization	143	152
Amortization of deferred financing costs	930	1,477
Provision for credit losses	15,147	4,836
Stock-based compensation expense	676	293
Interest income on residual assets		(198)
Changes in assets and liabilities:
Accrued interest receivable	(191)	52
Other assets	(4)	526
Accounts payable and accrued expenses	4,269	(982)
Net cash provided by operating activities	21,045	4,458
Cash flows from investing activities:
Purchases of finance receivables held for investment	(180,123)	(119,902)
Payments received on finance receivables held for investment	82,197	80,896
Payments on receivables portfolio at fair value	17,520	39,039
Proceeds received on residual interest in securitizations	1,319
Change in repossessions in inventory	(1,318)	258
Decreases (increases) in restricted cash and equivalents, net	(34,948)	27,685
Purchase of furniture and equipment		(30)
Net cash provided by (used in) investing activities	(115,353)	27,946
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	185,000	155,000
Proceeds from issuance of subordinated renewable notes	748	638
Payments on subordinated renewable notes	(471)	(647)
Net proceeds from warehouse lines of credit	4,945	3,536
Proceeds from (repayments of) residual interest financing debt		(3,869)
Repayment of securitization trust debt	(76,138)	(138,979)
Repayment of portfolio acquisition financing	(17,930)	(39,191)
Repayment of senior secured debt, related party		(5,600)
Payment of financing costs	(1,574)	(2,540)
Repurchase of common stock	(120)	(244)
Exercise of options and warrants	748	12
Net cash provided by (used in) financing activities	95,208	(31,884)
Increase in cash and cash equivalents	900	520
Cash and cash equivalents at beginning of period	12,966	10,094
Cash and cash equivalents at end of period	13,866	10,614
Cash paid (received) during the period for:
Interest	16,064	22,181
Income taxes	990	147
Non-cash financing activities:
Derivative warrants reclassified from liabilities to common stock upon amendment	$ 583	$ 1,056