CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Revenues:
Interest income	$ 266,266	$ 294,982	$ 337,096
Mark to finance receivables measured at fair value	(4,417)	(29,528)	0
Other income	5,962	5,707	8,704
Total revenues	267,811	271,161	345,800
Expenses:
Employee costs	80,534	80,198	80,877
General and administrative	34,616	31,981	33,004
Interest	75,239	101,338	110,528
Provision for credit losses	(14,590)	14,113	85,773
Sales	16,876	14,206	17,893
Occupancy	7,715	7,421	7,487
Depreciation and amortization	1,675	1,784	1,076
Total operating expenses	202,065	251,041	336,638
Income before income tax expense (benefit)	65,746	20,120	9,162
Income tax expense (benefit)	18,222	(1,557)	3,756
Net income	$ 47,524	$ 21,677	$ 5,406
Earnings per share:
Basic	$ 2.11	$ 0.96	$ 0.24
Diluted	$ 1.84	$ 0.90	$ 0.22
Number of shares used in computing earnings per share:
Basic	22,562	22,611	22,416
Diluted	25,780	24,003	24,064