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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 6 Months Ended
Jun. 30, 2019
Jun. 30, 2018
Cash flows from operating activities:    
Net income $ 16,477 $ 17,126
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 49,057 39,718
Depreciation and amortization 5,327 4,071
Loss on disposal of property and equipment 41 50
Share-based compensation 2,192 2,504
Fair value adjustment on interest rate caps 243 (139)
Deferred income taxes, net (1,185) (1,129)
Changes in operating assets and liabilities:    
Increase in other assets (473) (1,271)
Decrease in accounts payable and accrued expenses (5,072) (840)
Net cash provided by operating activities 66,607 60,090
Cash flows from investing activities:    
Net originations of finance receivables (91,348) (69,954)
Purchases of intangible assets (993) (1,183)
Purchases of property and equipment (2,418) (1,667)
Proceeds from disposal of property and equipment 49  
Net cash used in investing activities (94,710) (72,804)
Cash flows from financing activities:    
Net advances (payments) on senior revolving credit facility 17,516 (68,870)
Payments on amortizing loan (9,391) (20,487)
Net advances (payments) on revolving warehouse credit facility 20,748 (36,374)
Net advances (payments) on securitizations (70) 150,000
Payments for debt issuance costs (386) (3,730)
Taxes paid related to net share settlement of equity awards (814) (687)
Repurchase of common stock (7,144)  
Net cash provided by financing activities 20,459 19,852
Net change in cash and restricted cash (7,644) 7,138
Cash and restricted cash at beginning of period 50,141 22,017
Cash and restricted cash at end of period 42,497 29,155
Supplemental cash flow information:    
Interest paid 17,059 14,249
Income taxes paid $ 9,121 $ 5,543