CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and cash equivalents	$ 6,174	$ 13,490
Restricted cash and equivalents	119,257	149,299
Finance receivables measured at fair value	2,722,662	2,476,617
Finance receivables	27,553	92,304
Less: Allowance for finance credit losses	(2,869)	(21,753)
Finance receivables, net	24,684	70,551
Furniture and equipment, net	1,372	1,660
Deferred tax assets, net	3,736	10,177
Other assets	25,861	30,974
Total Assets	2,903,746	2,752,768
Liabilities
Accounts payable and accrued expenses	62,544	55,421
Warehouse lines of credit	234,025	285,328
Residual interest financing	49,875	49,623
Securitization trust debt	2,265,446	2,108,744
Subordinated renewable notes	17,188	25,263
Total Liabilities	2,629,078	2,524,379
COMMITMENTS AND CONTINGENCIES
Shareholders' Equity
Common stock, no par value; authorized 75,000,000 shares; 21,174,856 and 20,131,323 shares issued and outstanding at December 31, 2023 and December 31, 2022, respectively	28,678	28,906
Retained earnings	247,857	202,514
Accumulated other comprehensive loss	(1,867)	(3,031)
Total stockholders' equity	274,668	228,389
Total liabilities and stockholders' equity	2,903,746	2,752,768
Preferred Stock [Member]
Shareholders' Equity
Preferred stock, value	0	0
Series A Preferred Stock [Member]
Shareholders' Equity
Preferred stock, value	0	0
Series B Preferred Stock [Member]
Shareholders' Equity
Preferred stock, value	$ 0	$ 0