UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Cash flows from operating activities:
Net income	$ 7,214	$ 8,333
Adjustments to reconcile net income to net cash provided by operating activities:
Accretion of deferred acquisition fees	(1,253)	(2,881)
Amortization of discount on securitization trust debt	15	20
Depreciation and amortization	175	148
Amortization of deferred financing costs	2,003	1,673
Provision for credit losses	44,197	33,439
Stock-based compensation expense	1,249	1,096
Interest income on residual assets	0	(37)
Changes in assets and liabilities:
Accrued interest receivable	930	(1,124)
Deferred tax assets, net	54	2,500
Other assets	2,561	6,644
Accounts payable and accrued expenses	3,381	5
Net cash provided by operating activities	60,526	49,816
Cash flows from investing activities:
Purchases of finance receivables held for investment	(312,300)	(233,890)
Payments received on finance receivables held for investment	160,470	122,066
Payments received on receivables portfolio at fair value	38	921
Change in repossessions held in inventory	1,042	882
Increases in restricted cash and cash equivalents, net	(19,957)	1,931
Purchase of furniture and equipment	(121)	(404)
Net cash used in investing activities	(170,828)	(108,494)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	329,460	245,000
Proceeds from issuance of subordinated renewable notes	715	111
Payments on subordinated renewable notes	(505)	(262)
Net repayments of warehouse lines of credit	(24,209)	(34,874)
Repayments of residual interest financing debt	(706)	(253)
Repayment of securitization trust debt	(192,622)	(145,867)
Repayment of debt secured by receivables measured at fair value	0	(1,250)
Payment of financing costs	(2,029)	(1,920)
Purchase of common stock	(2,949)	0
Exercise of options and warrants	16	336
Net cash provided by financing activities	107,171	61,021
Increase (decrease) in cash and cash equivalents	(3,131)	2,343
Cash and cash equivalents at beginning of period	19,322	17,859
Cash and cash equivalents at end of period	16,191	20,202
Cash paid during the period for:
Interest	15,518	11,415
Income taxes	$ 2,043	$ 5