UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Cash flows from operating activities:
Net income	$ 13,764	$ 3,539
Adjustments to reconcile net income to net cash provided by operating activities:
Accretion of deferred acquisition fees and origination costs	641	952
Net interest income accretion on fair value receivables	64,156	39,822
Depreciation and amortization	906	513
Amortization of deferred financing costs	4,127	4,127
Mark to finance receivables measured at fair value	19,899	(0)
Provision for credit losses	6,713	44,445
Stock-based compensation expense	898	1,119
Changes in assets and liabilities:
Accrued interest receivable	4,416	15,575
Deferred tax assets, net	16,569	2,069
Other assets	(3,074)	(142)
Accounts payable and accrued expenses	338	399
Net cash provided by operating activities	129,353	112,418
Cash flows from investing activities:
Payments received on finance receivables held for investment	180,366	261,723
Purchases of finance receivables measured at fair value	(399,729)	(494,626)
Payments received on finance receivables at fair value	222,063	117,505
Change in repossessions held in inventory	2,888	425
Purchase of furniture and equipment	(660)	(404)
Net cash provided by (used in) investing activities	4,928	(115,377)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	462,343	482,675
Proceeds from issuance of subordinated renewable notes	3,450	1,613
Payments on subordinated renewable notes	(1,404)	(4,535)
Net advances of warehouse lines of credit	(78,843)	2,677
Repayment of residual interest financing debt	(2,120)	0
Repayment of securitization trust debt	(508,942)	(468,874)
Payment of financing costs	(3,178)	(4,383)
Purchase of common stock	(205)	(1,440)
Exercise of options and warrants	452	347
Net cash provided by (used in) financing activities	(128,447)	8,080
Increase in cash and cash equivalents	5,834	5,121
Cash and restricted cash at beginning of period	140,832	130,110
Cash and restricted cash at end of period	146,666	135,231
Cash paid (received) during the period for:
Interest	49,372	50,417
Income taxes	(17,580)	(3,227)
Non-cash financing activities:
Right-of-use asset, net	0	(21,869)
Lease liability	0	23,327
Deferred office rent	$ 0	$ (1,458)