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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Cash flows from operating activities:      
Net income $ 29,963 $ 24,031 $ 23,365
Adjustments to reconcile net income to net cash provided by operating activities:      
Provision for credit losses 77,339 63,014 47,348
Depreciation and amortization 7,357 6,444 3,920
Loss on disposal of property and equipment 245 3 343
Accretion of discounts on purchased receivables     (27)
Share-based compensation 4,346 4,158 3,638
Fair value adjustment on interest rate caps 64 170 457
Deferred income taxes, net 4,994 1,902 (122)
Changes in operating assets and liabilities:      
(Increase) decrease in other assets (11,294) (1,739) 1,788
Increase in other liabilities 2,419 2,255 2,681
Net cash provided by operating activities 115,433 100,238 83,391
Cash flows from investing activities:      
Net originations of finance receivables (169,366) (148,548) (132,632)
Purchases of intangible assets (6,355) (5,302) (1,946)
(Increase) decrease in restricted cash (8,490) 2,209 (8,605)
Purchases of property and equipment (4,765) (6,433) (3,366)
Proceeds from disposal of property and equipment 558 721  
Net cash used in investing activities (188,418) (157,353) (146,549)
Cash flows from financing activities:      
Net advances (payments) on senior revolving credit facility (799) 114,567 (3,138)
Net proceeds from (payments on) amortizing loan 14,551 (34,067) 72,896
Net advances on revolving warehouse credit facility 66,066    
Payments for debt issuance costs (4,547) (1,060) (2,237)
Taxes paid related to net share settlement of equity awards (1,809) (487) (721)
Proceeds from exercise of stock options 307    
Repurchases of common stock   (25,046)  
Net cash provided by financing activities 73,769 53,907 66,800
Net change in cash 784 (3,208) 3,642
Cash at beginning of period 4,446 7,654 4,012
Cash at end of period 5,230 4,446 7,654
Supplemental cash flow information      
Interest paid 20,460 17,590 15,385
Income taxes paid $ 15,681 $ 12,585 $ 12,449