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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Cash flows from operating activities:      
Net income $ 24,031 $ 23,365 $ 14,802
Adjustments to reconcile net income to net cash provided by operating activities:      
Provision for credit losses 63,014 47,348 69,057
Depreciation and amortization 6,444 3,920 3,882
Loss on disposal of property and equipment 3 343 21
Accretion of discounts on purchased receivables   (27) (85)
Share-based compensation 4,158 3,638 2,312
Fair value adjustment on interest rate caps 170 457  
Deferred income taxes, net 1,902 (122) (4,523)
Changes in operating assets and liabilities:      
(Increase) decrease in other assets (1,739) 1,788 (2,585)
Increase in other liabilities 1,925 2,329 2,966
Net cash provided by operating activities 99,908 83,039 85,847
Cash flows from investing activities:      
Net origination of finance receivables (148,548) (132,632) (59,962)
Purchase of intangible assets (5,302) (1,946) (1,334)
(Increase) decrease in restricted cash 2,209 (8,605)  
Purchase of property and equipment (6,433) (3,366) (3,319)
Payment for business combination, net of cash     (128)
Proceeds from disposal of property and equipment 721    
Net cash used in investing activities (157,353) (146,549) (64,743)
Cash flows from financing activities:      
Net proceeds from (payments on) amortizing loan (33,968) 72,798  
Net advances (payments) on senior revolving credit facility 114,567 (3,114) (21,334)
Payments for debt issuance costs (1,060) (2,237) (165)
Taxes paid related to net share settlement of equity awards (487) (721)  
Excess tax benefits from exercise of stock options 231 426 167
Proceeds from exercise of stock options     119
Repurchase of common stock (25,046)    
Net cash provided by (used in) financing activities 54,237 67,152 (21,213)
Net change in cash (3,208) 3,642 (109)
Cash at beginning of period 7,654 4,012 4,121
Cash at end of period 4,446 7,654 4,012
Supplemental cash flow information      
Interest paid 17,590 15,385 14,367
Income taxes paid $ 12,585 $ 12,449 $ 15,237