CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities:
Net income	$ 29,300	$ 34,681	$ 29,516
Adjustments to reconcile net income to net cash provided by operating activities:
Accretion of deferred acquisition fees	(2,980)	(8,954)	(16,213)
Accretion of purchase discount on receivables measured at fair value	0	0	(283)
Amortization of discount on securitization trust debt	20	62	130
Amortization of discount on senior secured debt, related party	0	0	623
Accretion of premium on debt secured by receivables measured at fair value	0	0	712
Mark to fair value on debt secured by receivables at fair value	0	0	(123)
Mark to fair value of receivables at fair value	0	0	(27)
Depreciation and amortization	777	637	428
Amortization of deferred financing costs	8,389	7,017	6,767
Provision for credit losses	178,511	142,618	108,228
Stock-based compensation expense	5,553	5,024	3,835
Interest income on residual assets	0	(92)	(372)
Changes in assets and liabilities:
Accrued interest receivable	(4,686)	(8,175)	(4,702)
Other assets	(8,739)	3,237	(1,925)
Deferred tax assets, net	(5,248)	5,250	16,368
Accounts payable and accrued expenses	(4,564)	6,250	(7,135)
Net cash provided by operating activities	196,333	187,555	135,827
Cash flows from investing activities:
Originations of finance receivables held for investment	(1,088,785)	(1,060,538)	(944,944)
Payments received on finance receivables held for investment	650,379	551,880	433,870
Payments received on receivables portfolio at fair value	58	1,603	13,122
Proceeds received on residual interest in securitizations	0	0	1,158
Change in repossessions held in inventory	1,629	(2,369)	(441)
Decreases (Increases) in restricted cash and cash equivalents, net	(6,700)	69,328	(43,098)
Purchase of furniture and equipment	(1,079)	(1,191)	(823)
Net cash used in investing activities	(444,498)	(441,287)	(541,156)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	1,197,515	795,000	923,000
Proceeds from issuance of subordinated renewable notes	2,911	1,551	579
Payments on subordinated renewable notes	(3,100)	(1,646)	(4,488)
Net proceeds from (repayments of) warehouse lines of credit	(91,496)	139,622	47,387
Repayments of residual interest financing debt	(9,042)	(3,285)	(6,769)
Repayment of securitization trust debt	(834,880)	(661,960)	(502,193)
Repayment of debt secured by receivables measured at fair value	0	(1,250)	(12,456)
Repayment of senior secured debt, related party	0	0	(39,182)
Payment of financing costs	(9,367)	(8,637)	(8,058)
Repurchase of common stock	(10,468)	(5,926)	0
Exercise of options and warrants	706	1,726	3,256
Net cash provided by financing activities	242,779	255,195	401,076
Increase (decrease) in cash and cash equivalents	(5,386)	1,463	(4,253)
Cash and cash equivalents at beginning of year	19,322	17,859	22,112
Cash and cash equivalents at end of year	13,936	19,322	17,859
Cash paid during the period for:
Interest	71,077	50,019	45,914
Income taxes	32,909	13,690	6,520
Non-cash financing activities:
Pension benefit obligation, net	$ 32	$ 1,599	$ 3,956