UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
Cash flows from operating activities:
Net income	$ 27,777	$ 46,435
Adjustments to reconcile net income to net cash provided by operating activities:
Net interest income accretion on fair value receivables	94,305	60,766
Depreciation and amortization	442	802
Amortization of deferred financing costs	4,800	3,628
Mark to finance receivables measured at fair value	(0)	(7,100)
Provision for credit losses	(18,700)	(17,400)
Stock-based compensation expense	1,817	1,518
Changes in assets and liabilities:
Deferred tax assets, net	2,810	2,052
Other assets	5,447	10,202
Accounts payable and accrued expenses	1,963	18,767
Net cash provided by operating activities	120,661	119,670
Cash flows from investing activities:
Payments received on finance receivables held for investment	42,892	80,246
Purchases of finance receivables measured at fair value	(658,048)	(904,475)
Payments received on finance receivables at fair value	421,940	425,774
Change in repossessions held in inventory	223	1,087
Purchase of furniture and equipment	(66)	(1,028)
Net cash used in investing activities	(193,059)	(398,396)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	657,653	712,400
Proceeds from issuance of subordinated renewable notes	0	2,682
Payments on subordinated renewable notes	(4,059)	(1,933)
Net proceeds from (repayments of) warehouse lines of credit	(41,031)	124,606
Net Proceeds from (repayment of) residual interest financing debt	0	(4,311)
Repayment of securitization trust debt	(540,958)	(536,824)
Payment of financing costs	(4,066)	(6,204)
Purchase of common stock	(18,464)	(34,285)
Exercise of options and warrants	15,678	14,416
Net cash provided by financing activities	64,753	270,547
Increase in cash and cash equivalents	(7,645)	(8,179)
Cash and restricted cash at beginning of period	162,789	176,548
Cash and restricted cash at end of period	155,144	168,369
Cash paid during the period for:
Interest	62,612	30,809
Income taxes	$ 4,639	$ 4,796