CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Revenues:
Interest income	$ 294,982	$ 337,096	$ 380,297
Mark to finance receivables measured at fair value	(29,528)	0	0
Other income	5,707	8,704	9,478
Total revenues	271,161	345,800	389,775
Expenses:
Employee costs	80,198	80,877	79,318
General and administrative	31,981	33,004	31,037
Interest	101,338	110,528	101,466
Provision for credit losses	14,113	85,773	133,080
Sales	14,206	17,893	17,572
Occupancy	7,421	7,487	7,607
Depreciation and amortization	1,784	1,076	992
Total operating expenses	251,041	336,638	371,072
Income before income tax expense (benefit)	20,120	9,162	18,703
Income tax expense (benefit)	(1,557)	3,756	3,841
Net income	$ 21,677	$ 5,406	$ 14,862
Earnings per share:
Basic	$ 0.96	$ 0.24	$ 0.68
Diluted	$ 0.90	$ 0.22	$ 0.59
Number of shares used in computing earnings per share:
Basic	22,611	22,416	21,989
Diluted	24,003	24,064	24,988