UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Cash flows from operating activities:
Net income	$ 21,115	$ 5,164
Adjustments to reconcile net income to net cash provided by operating activities:
Accretion of deferred acquisition fees and origination costs	0	251
Net interest income accretion on fair value receivables	31,204	35,025
Depreciation and amortization	417	428
Amortization of deferred financing costs	1,782	1,873
Mark to fair value of finance receivables measured at fair value	(2,400)	4,417
Provision for credit losses	(9,400)	0
Stock-based compensation expense	790	408
Changes in assets and liabilities:
Accrued interest receivable	596	1,273
Deferred tax assets, net	662	1,009
Other assets	10,194	8,244
Accounts payable and accrued expenses	13,340	7,258
Net cash provided by operating activities	68,300	65,350
Cash flows from investing activities:
Payments received on finance receivables held for investment	43,840	73,480
Purchases of finance receivables measured at fair value	(393,407)	(205,459)
Payments received on finance receivables at fair value	209,844	156,020
Change in repossessions held in inventory	481	275
Purchase of furniture and equipment	(275)	(426)
Net cash provided by (used in) investing activities	(139,517)	23,890
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	316,800	230,545
Proceeds from issuance of subordinated renewable notes	1,059	2,750
Payments on subordinated renewable notes	(762)	(333)
Net advances (repayments) of warehouse lines of credit	42,170	(48,256)
Repayment of residual interest financing debt	(4,311)	(4,979)
Repayment of securitization trust debt	(262,737)	(242,489)
Payment of financing costs	(3,030)	(1,572)
Purchase of common stock	(14,104)	(755)
Exercise of options and warrants	5,860	298
Net cash provided by (used in) financing activities	80,945	(64,791)
Increase in cash and cash equivalents	9,728	24,449
Cash and restricted cash at beginning of period	176,548	144,152
Cash and restricted cash at end of period	186,276	168,601
Cash paid (received) during the period for:
Interest	14,380	19,252
Income taxes	$ 0	$ (123)