CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Cash flows from operating activities:
Net income	$ 21,677	$ 5,406	$ 14,862
Adjustments to reconcile net income to net cash provided by operating activities:
Accretion of deferred acquisition fees and origination costs	1,138	1,757	2,655
Net interest income accretion on fair value receivables	133,771	90,383	26,162
Depreciation and amortization	1,784	1,076	992
Amortization of deferred financing costs	8,102	8,281	8,453
Mark to fair value of finance receivables measured at fair value	29,528	(2,109)	0
Provision for credit losses	14,113	85,773	133,080
Stock-based compensation expense	1,935	2,072	3,515
Changes in assets and liabilities:
Accrued interest receivable	6,628	20,324	14,784
Other assets	2,713	7,464	(4,161)
Deferred tax assets, net	21,493	3,708	13,258
Accounts payable and accrued expenses	(4,115)	(7,351)	2,605
Net cash provided by operating activities	238,767	216,784	216,205
Cash flows from investing activities:
Payments received on finance receivables held for investment	332,296	481,289	605,353
Purchases of finance receivables measured at fair value	(739,734)	(1,004,194)	(914,949)
Payments on receivables portfolio at fair value	496,747	292,948	67,721
Change in repossessions held in inventory	3,746	1,354	757
Purchase of furniture and equipment	(24)	(751)	(1,077)
Net cash provided by (used in) investing activities	93,031	(229,354)	(242,195)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	714,543	1,000,501	855,828
Proceeds from issuance of subordinated renewable notes	6,750	5,764	3,175
Payments on subordinated renewable notes	(2,961)	(5,520)	(2,451)
Net advances (repayments) of warehouse lines of credit	(16,271)	(1,300)	23,809
Net advances (repayments) of residual interest financing debt	(14,424)	0	40,000
Repayment of securitization trust debt	(1,009,988)	(966,144)	(876,094)
Payment of financing costs	(5,861)	(8,921)	(8,039)
Purchase of common stock	(1,215)	(1,440)	(5,307)
Exercise of options and warrants	949	352	483
Net cash provided by (used in) financing activities	(328,478)	23,292	31,404
Increase in cash and cash equivalents	3,320	10,722	5,414
Cash and cash equivalents at beginning of year	140,832	130,110	124,696
Cash and cash equivalents at end of year	144,152	140,832	130,110
Cash paid (received) during the period for:
Interest	93,571	101,812	92,405
Income taxes	$ (23,997)	$ (5,156)	$ 417