CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Cash flows from operating activities:
Net income	$ 45,343	$ 85,983	$ 47,524
Adjustments to reconcile net income to net cash provided by operating activities:
Accretion of deferred acquisition fees and origination costs	0	0	651
Net interest income accretion on fair value receivables	193,541	135,147	134,020
Depreciation and amortization	847	1,618	1,675
Amortization of deferred financing costs	9,690	8,207	7,114
Mark to fair value of finance receivables measured at fair value	(12,000)	(15,283)	4,417
Provision for credit losses	(22,300)	(28,100)	(14,590)
Stock-based compensation expense	3,464	4,427	2,000
Changes in assets and liabilities:
Other assets	4,667	4,171	(1,039)
Deferred tax assets, net	6,441	9,398	8,937
Accounts payable and accrued expenses	8,287	10,364	7,485
Net cash provided by operating activities	237,980	215,932	198,194
Cash flows from investing activities:
Payments received on finance receivables held for investment	68,167	133,733	249,098
Purchases of finance receivables measured at fair value	(1,251,020)	(1,673,166)	(1,107,537)
Payments on receivables portfolio at fair value	823,434	825,783	743,728
Change in repossessions held in inventory	446	1,899	1,329
Purchase of furniture and equipment	(559)	(2,149)	(1,976)
Net cash (used in) investing activities	(359,532)	(713,900)	(115,358)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	1,235,534	1,411,018	1,110,747
Proceeds from issuance of subordinated renewable notes	0	4,004	7,988
Payments on subordinated renewable notes	(8,075)	(5,200)	(2,852)
Net advances (repayments) of warehouse lines of credit	(53,253)	181,868	(14,503)
Net advances (repayments) of residual interest financing debt	0	(4,311)	28,735
Repayment of securitization trust debt	(1,078,432)	(1,060,052)	(1,153,114)
Payment of financing costs	(7,888)	(12,299)	(7,813)
Purchase of common stock	(20,273)	(46,096)	(25,676)
Exercise of options and warrants	16,581	15,277	6,048
Net cash provided by (used in) financing activities	84,194	484,209	(50,440)
Increase (decrease) in cash and cash equivalents	(37,358)	(13,759)	32,396
Cash and cash equivalents at beginning of year	162,789	176,548	144,152
Cash and cash equivalents at end of year	125,431	162,789	176,548
Supplemental disclosure of cash flow information:
Interest	135,203	76,696	69,476
Income taxes	$ 3,552	$ 16,182	$ 14,253