UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Revenues:
Interest income	$ 75,552	$ 84,449	$ 154,689	$ 170,294
Mark to finance receivables measured at fair value	(9,549)	0	(19,899)	0
Other income	1,289	1,876	3,269	4,261
Total revenues	67,292	86,325	138,059	174,555
Expenses:
Employee costs	19,828	19,706	41,671	38,779
General and administrative	7,837	8,750	16,506	16,924
Interest	26,485	27,703	53,476	54,993
Provision for credit losses	3,100	20,489	6,713	44,445
Sales	3,079	4,634	7,508	9,470
Occupancy	1,833	2,011	3,524	3,985
Depreciation and amortization	487	262	906	513
Total operating expenses	62,649	83,555	130,304	169,109
Income before income tax expense (benefit)	4,643	2,770	7,755	5,446
Income tax expense (benefit)	1,671	970	(6,009)	1,907
Net income	$ 2,972	$ 1,800	$ 13,764	$ 3,539
Earnings per share:
Basic	$ 0.13	$ 0.08	$ 0.61	$ 0.16
Diluted	$ 0.13	$ 0.08	$ 0.58	$ 0.15
Number of shares used in computing earnings per share:
Basic	22,685	22,362	22,612	22,302
Diluted	23,687	23,978	23,783	24,119