UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Cash flows from operating activities:
Net income	$ 71,848	$ 28,559
Adjustments to reconcile net income to net cash provided by operating activities:
Accretion of deferred acquisition fees and origination costs	0	651
Net interest income accretion on fair value receivables	97,462	100,676
Depreciation and amortization	1,207	1,254
Amortization of deferred financing costs	5,860	5,360
Mark to finance receivables measured at fair value	(15,283)	4,417
Provision for credit losses	(23,400)	(1,590)
Stock-based compensation expense	2,966	1,265
Purchases of finance receivables held-for-sale	0	(23,700)
Sale of finance receivables held-for-sale	0	23,513
Changes in assets and liabilities:
Accrued interest receivable	1,493	2,087
Deferred tax assets, net	5,005	3,146
Other assets	5,252	8,629
Accounts payable and accrued expenses	12,334	8,809
Net cash provided by operating activities	164,744	163,076
Cash flows from investing activities:
Payments received on finance receivables held for investment	109,894	198,366
Purchases of finance receivables measured at fair value	(1,311,735)	(795,457)
Payments received on finance receivables at fair value	635,401	546,897
Change in repossessions held in inventory	1,694	1,567
Purchase of furniture and equipment	(1,778)	(1,547)
Net cash used in investing activities	(566,524)	(50,174)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	1,104,000	761,545
Proceeds from issuance of subordinated renewable notes	4,004	7,416
Payments on subordinated renewable notes	(3,214)	(1,277)
Net proceeds from (repayments of) warehouse lines of credit	139,477	(22,089)
Net Proceeds from (repayment of) residual interest financing debt	(4,311)	39,705
Repayment of securitization trust debt	(804,774)	(861,045)
Payment of financing costs	(10,407)	(5,752)
Purchase of common stock	(41,535)	(3,959)
Exercise of options and warrants	14,698	2,167
Net cash provided by (used in) financing activities	397,938	(83,289)
Increase (decrease) in cash and cash equivalents	(3,842)	29,613
Cash and restricted cash at beginning of period	176,548	144,152
Cash and restricted cash at end of period	172,706	173,765
Supplemental disclosure of cash flow information:
Interest	51,300	53,931
Income taxes	$ 13,977	$ 8,997