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Consolidated Statements of Cash Flows - USD ($)
 3 Months Ended
Mar. 31, 2023
Mar. 31, 2022
Cash flows from operating activities:    
Net income $ 8,689,000 $ 26,783,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 47,668,000 30,858,000
Depreciation and amortization 4,078,000 3,238,000
Amortization of deferred originations fees and costs (3,778,000) (3,905,000)
Loss on disposal of property and equipment 113,000 2,000
Share-based compensation 2,104,000 2,106,000
Fair value adjustment on interest rate caps   (10,158,000)
Deferred income taxes, net (935,000) 327,000
Changes in operating assets and liabilities:    
Decrease in unearned insurance premiums (1,882,000) (762,000)
Decrease in lease assets 14,000 634,000
Decrease in other assets 4,426,000 4,000
Decrease in accounts payable and accrued expenses (8,041,000) (2,891,000)
Increase (decrease) in lease liabilities 193,000 (449,000)
Net cash provided by operating activities 52,649,000 45,787,000
Cash flows from investing activities:    
Originations of finance receivables (311,484,000) (326,329,000)
Repayments of finance receivables 296,564,000 278,742,000
Purchases of intangible assets (1,733,000) (642,000)
Purchases of property and equipment (1,647,000) (1,126,000)
Purchase of restricted available-for-sale investments (1,900,000)  
Net cash used in investing activities (20,200,000) (49,355,000)
Cash flows from financing activities:    
Advances on revolving credit facilities 408,683,000 437,815,000
Payments on revolving credit facilities (434,221,000) (552,118,000)
Advances on securitizations 0 250,000,000
Payments on securitizations   (109,228,000)
Payments for debt issuance costs (1,160,000) (2,657,000)
Taxes paid related to net share settlement of equity awards (145,000) (828,000)
Cash dividends (3,119,000) (3,020,000)
Repurchases of common stock   (9,031,000)
Net cash provided by (used in) financing activities (29,962,000) 10,933,000
Net change in cash and restricted cash 2,487,000 7,365,000
Cash and restricted cash at beginning of period 131,799,000 149,189,000
Cash and restricted cash at end of period 134,286,000 156,554,000
Supplemental cash flow information:    
Interest paid 14,750,000 8,616,000
Income taxes paid 15,000 1,000
Operating leases paid 2,316,000 2,794,000
Non-cash lease assets and liabilities acquired 2,023,000 1,246,000
Non-cash dividends payable $ (209,000) $ (10,000)