CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and cash equivalents	$ 13,466	$ 5,295
Restricted cash and equivalents	130,686	135,537
Finance receivables measured at fair value	1,523,726	1,444,038
Finance receivables	492,133	897,530
Less: Allowance for finance credit losses	(80,790)	(11,640)
Finance receivables, net	411,343	885,890
Furniture and equipment, net	828	1,512
Deferred tax assets, net	28,512	15,480
Accrued interest receivable	5,017	11,645
Other assets	32,317	39,852
Total Assets	2,145,895	2,539,249
Liabilities
Accounts payable and accrued expenses	43,112	47,077
Warehouse lines of credit	118,999	134,791
Residual interest financing	25,426	39,478
Securitization trust debt	1,803,673	2,097,728
Subordinated renewable notes	21,323	17,534
Total Liabilities	2,012,533	2,336,608
Shareholders' Equity
Preferred stock	0	0
Common stock, no par value; authorized 75,000,000 shares; 22,737,342 and 22,530,918 shares issued and outstanding at December 31, 2020 and December 31, 2019, respectively	72,926	71,257
Retained earnings	69,007	139,805
Accumulated other comprehensive loss	(8,571)	(8,421)
Total stockholders' equity	133,362	202,641
Total liabilities and stockholders' equity	2,145,895	2,539,249
Series A Preferred Stock [Member]
Shareholders' Equity
Preferred stock	0	0
Series B Preferred Stock [Member]
Shareholders' Equity
Preferred stock	$ 0	$ 0