UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Cash flows from operating activities:
Net income	$ 13,823	$ 21,115
Adjustments to reconcile net income to net cash provided by operating activities:
Net interest income accretion on fair value receivables	47,472	31,204
Depreciation and amortization	231	417
Amortization of deferred financing costs	2,403	1,782
Mark to finance receivables measured at fair value	(0)	(2,400)
Provision for credit losses	(9,000)	(9,400)
Stock-based compensation expense	912	790
Changes in assets and liabilities:
Deferred tax assets, net	385	662
Other assets	4,511	10,790
Accounts payable and accrued expenses	4,404	13,340
Net cash provided by operating activities	65,141	68,300
Cash flows from investing activities:
Payments received on finance receivables held for investment	24,746	43,840
Purchases of finance receivables measured at fair value	(352,598)	(393,407)
Payments received on finance receivables at fair value	206,626	209,844
Change in repossessions held in inventory	101	481
Purchase of furniture and equipment	(34)	(275)
Net cash used in investing activities	(121,159)	(139,517)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	324,768	316,800
Proceeds from issuance of subordinated renewable notes	0	1,059
Payments on subordinated renewable notes	(1,820)	(762)
Net proceeds from (repayments of) warehouse lines of credit	(7)	42,170
Net Proceeds from (repayment of) residual interest financing debt	0	(4,311)
Repayment of securitization trust debt	(258,224)	(262,737)
Payment of financing costs	(2,072)	(3,030)
Purchase of common stock	(7,293)	(14,104)
Exercise of options and warrants	6,960	5,860
Net cash provided by financing activities	62,312	80,945
Increase in cash and cash equivalents	6,294	9,728
Cash and restricted cash  at beginning of period	162,789	176,548
Cash and restricted cash at end of period	169,083	186,276
Supplemental disclosure of cash flow information:
Interest	29,658	14,380
Income taxes	$ 25	$ 0