CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash flows from operating activities:
Net income	$ 34,681	$ 29,516	$ 21,005
Adjustments to reconcile net income to net cash provided by operating activities:
Accretion of deferred acquisition fees	(8,954)	(16,213)	(20,565)
Accretion of purchase discount on receivables measured at fair value	0	(283)	(1,421)
Amortization of discount on securitization trust debt	62	130	600
Amortization of discount on senior secured debt, related party	0	623	1,992
Accretion of premium on debt secured by receivables measured at fair value	0	712	2,726
Mark to fair value on debt secured by receivables at fair value	0	(123)	(747)
Mark to fair value of receivables measured at fair value	0	(27)	595
Depreciation and amortization	637	428	437
Amortization of deferred financing costs	7,017	6,767	6,803
Provision for credit losses	142,618	108,228	76,869
Provision for contingent liabilities	0	0	7,841
Stock-based compensation expense	5,024	3,835	3,864
Interest income on residual assets	(92)	(372)	0
Gain on cancellation of debt	0	0	(10,947)
Changes in assets and liabilities:
Accrued interest receivable	(8,175)	(4,702)	(8,259)
Other assets	3,237	(1,925)	(2,183)
Deferred tax assets, net	5,250	16,368	16,425
Accounts payable and accrued expenses	6,250	(7,135)	4,337
Net cash provided by operating activities	187,555	135,827	99,372
Cash flows from investing activities:
Purchases of finance receivables held for investment	(1,060,538)	(944,944)	(764,087)
Payments received on finance receivables held for investment	551,880	433,870	337,095
Payments on receivables portfolio at fair value	1,603	13,122	46,018
Proceeds received on residual interest in securitizations	0	1,158	3,970
Change in repossessions in inventory	(2,369)	(441)	(4,246)
Decreases (increases) in restricted cash and equivalents, net	69,328	(43,098)	(27,839)
Purchase of furniture and equipment	(1,191)	(823)	(477)
Net cash used in investing activities	(441,287)	(541,156)	(409,566)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	795,000	923,000	778,000
Proceeds from issuance of subordinated renewable notes	1,551	579	1,276
Proceeds from issuance of senior secured debt, related party	0	0	5,284
Payments on subordinated renewable notes	(1,646)	(4,488)	(5,415)
Net proceeds from (repayments of) warehouse lines of credit	139,622	47,387	(12,279)
Net proceeds from (repayments of) residual interest financing debt	(3,285)	(6,769)	5,323
Repayment of securitization trust debt	(661,960)	(502,193)	(382,591)
Repayment of debt secured by receivables measured at fair value	(1,250)	(12,456)	(45,969)
Repayment of senior secured debt, related party	0	(39,182)	(18,852)
Payment of financing costs	(8,637)	(8,058)	(8,734)
Repurchase of common stock	(5,926)	0	0
Exercise of options and warrants	1,726	3,256	3,297
Net cash provided by financing activities	255,195	401,076	319,340
Increase (decrease) in cash and cash equivalents	1,463	(4,253)	9,146
Cash and cash equivalents at beginning of year	17,859	22,112	12,966
Cash and cash equivalents at end of year	19,322	17,859	22,112
Cash paid during the period for:
Interest	50,019	45,914	50,663
Income taxes	13,690	6,520	2,277
Non-cash financing activities:
Pension benefit obligation, net	1,599	3,956	(4,542)
Derivative warrants reclassified from liabilities to common stock upon amendment	$ 0	$ 0	$ 583