CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Revenues:
Interest income	$ 349,912	$ 286,734	$ 231,330
Servicing fees	319	1,376	3,093
Other income	13,419	12,146	10,405
Gain on cancellation of debt	0	0	10,947
Total	363,650	300,256	255,775
Expenses:
Employee costs	59,556	50,129	42,960
General and administrative	20,160	19,254	16,345
Interest	57,745	50,395	58,179
Provision for credit losses	142,618	108,228	76,869
Provision for contingent liabilities	0	0	7,841
Marketing	17,470	16,116	13,363
Occupancy	4,082	3,464	2,608
Depreciation and amortization	637	428	437
Total expenses	302,268	248,014	218,602
Income before income tax expense	61,382	52,242	37,173
Income tax expense (benefit)	26,701	22,726	16,168
Net income	$ 34,681	$ 29,516	$ 21,005
Earnings per share:
Basic	$ 1.34	$ 1.18	$ 0.98
Diluted	$ 1.10	$ 0.92	$ 0.67
Number of shares used in computing earnings per share:
Basic	25,935,000	25,040,000	21,538,000
Diluted	31,584,000	32,032,000	31,574,000