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Consolidated Statements of Cash Flows (Unaudited) (USD $)
In Thousands
 3 Months Ended
Jul. 31, 2011
Jul. 31, 2010
Net income $ 8,282 $ 7,965
Adjustments to reconcile net income from operations to net cash provided by operating activities:    
Provision for credit losses 18,534 16,138
Losses on claims for payment protection plan 1,336 1,007
Depreciation and amortization 538 456
Amortization of debt issuance costs 44  
Stock based compensation 731 909
Unrealized loss for change in fair value of interest rate swap   233
Deferred income taxes 247 938
Change in operating assets and liabilities:    
Finance receivable originations (82,903) (75,914)
Finance receivable collections 45,815 43,556
Accrued interest on finance receivables (242) (96)
Inventory 4,903 5,819
Prepaid expenses and other assets (136) (528)
Accounts payable and accrued liabilities (1,717) (1,416)
Deferred payment protection plan revenue 301 317
Income taxes, net 5,510 3,656
Net cash provided by operating activities 1,243 3,040
Investing Activities:    
Purchase of property and equipment (734) (1,135)
Net cash used in investing activities (734) (1,135)
Financing Activities:    
Exercise of stock options and warrants 1  
Issuance of common stock 53 48
Purchase of common stock (11,096) (7,260)
Dividend payments (10) (10)
Change in cash overdrafts 601 (235)
Principal payments on note payable   (228)
Proceeds from revolving credit facilities 37,307 28,487
Payments on revolving credit facilities (27,369) (22,697)
Net cash used in financing activities (513) (1,895)
Increase (decrease) in cash and cash equivalents (4) 10
Cash and cash equivalents, beginning of period 223 268
Cash and cash equivalents, end of period $ 219 $ 278