CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
ASSETS
Cash and cash equivalents	$ 29,928	$ 13,466
Restricted cash and equivalents	146,620	130,686
Finance receivables measured at fair value	1,749,098	1,523,726
Finance receivables	232,390	492,133
Less: Allowance for finance credit losses	(56,206)	(80,790)
Finance receivables, net	176,184	411,343
Furniture and equipment, net	1,129	828
Deferred tax assets, net	19,575	28,512
Accrued interest receivable	2,269	5,017
Other assets	34,775	32,317
Total Assets	2,159,578	2,145,895
Liabilities
Accounts payable and accrued expenses	43,648	43,112
Warehouse lines of credit	105,610	118,999
Residual interest financing	53,682	25,426
Securitization trust debt	1,759,972	1,803,673
Subordinated renewable notes	26,459	21,323
Total Liabilities	1,989,371	2,012,533
Shareholders' Equity
Preferred stock	0	0
Common stock, no par value; authorized 75,000,000 shares; 21,143,764 and 22,737,342 shares issued and outstanding at December 31, 2021 and December 31, 2020, respectively	55,298	72,926
Retained earnings	116,531	69,007
Accumulated other comprehensive loss	(1,622)	(8,571)
Total stockholders' equity	170,207	133,362
Total liabilities and stockholders' equity	2,159,578	2,145,895
Series A Preferred Stock [Member]
Shareholders' Equity
Preferred stock	0	0
Series B Preferred Stock [Member]
Shareholders' Equity
Preferred stock	$ 0	$ 0