CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities:
Net income	$ 47,524	$ 21,677	$ 5,406
Adjustments to reconcile net income to net cash provided by operating activities:
Accretion of deferred acquisition fees and origination costs	651	1,138	1,757
Net interest income accretion on fair value receivables	134,020	133,771	90,383
Depreciation and amortization	1,675	1,784	1,076
Amortization of deferred financing costs	7,114	8,102	8,281
Mark to fair value of finance receivables measured at fair value	4,417	29,528	(2,109)
Provision for credit losses	(14,590)	14,113	85,773
Stock-based compensation expense	2,000	1,935	2,072
Changes in assets and liabilities:
Accrued interest receivable	2,748	6,628	20,324
Other assets	(3,787)	2,713	7,464
Deferred tax assets, net	8,937	21,493	3,708
Accounts payable and accrued expenses	7,485	(4,115)	(7,351)
Net cash provided by operating activities	198,194	238,767	216,784
Cash flows from investing activities:
Payments received on finance receivables held for investment	249,098	332,296	481,289
Purchases of finance receivables measured at fair value	(1,107,537)	(739,734)	(1,004,194)
Payments on receivables portfolio at fair value	743,728	496,747	292,948
Change in repossessions held in inventory	1,329	3,746	1,354
Purchase of furniture and equipment	(1,976)	(24)	(751)
Net cash provided by (used in) investing activities	(115,358)	93,031	(229,354)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	1,110,747	714,543	1,000,501
Proceeds from issuance of subordinated renewable notes	7,988	6,750	5,764
Payments on subordinated renewable notes	(2,852)	(2,961)	(5,520)
Net advances (repayments) of warehouse lines of credit	(14,503)	(16,271)	(1,300)
Net advances (repayments) of residual interest financing debt	28,735	(14,424)	0
Repayment of securitization trust debt	(1,153,114)	(1,009,988)	(966,144)
Payment of financing costs	(7,813)	(5,861)	(8,921)
Purchase of common stock	(25,676)	(1,215)	(1,440)
Exercise of options and warrants	6,048	949	352
Net cash provided by (used in) financing activities	(50,440)	(328,478)	23,292
Increase in cash and cash equivalents	32,396	3,320	10,722
Cash and cash equivalents at beginning of year	144,152	140,832	130,110
Cash and cash equivalents at end of year	176,548	144,152	140,832
Cash paid (received) during the period for:
Interest	69,476	93,571	101,812
Income taxes	14,253	(23,997)	(5,156)
Non-cash financing activities:
Right-of-use asset, net			(21,869)
Lease liability			23,327
Deferred office rent			$ (1,458)