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Consolidated Statements of Cash Flows (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Apr. 30, 2012
Apr. 30, 2011
Apr. 30, 2010
Net income $ 32,987 $ 28,215 $ 26,839
Adjustments to reconcile net income from operations to net cash provided by operating activities:      
Provision for credit losses 81,638 70,964 62,277
Losses on claims for payment protection plan 6,053 4,927 4,504
Depreciation and amortization 2,329 1,928 1,694
Amortization of debt issuance costs 182 88  
Loss on sale of property and equipment 91 55 375
Allowance related to acquisition of business, net change     (70)
Stock based compensation 2,172 2,885 2,727
Unrealized gain for change in fair value of interest rate swap   (72) (155)
Deferred income taxes 3,316 4,212 816
Change in operating assets and liabilities:      
Finance receivable originations (354,328) (311,249) (283,626)
Finance receivable collections 200,697 188,840 169,902
Accrued interest on finance receivables (295) (172) (183)
Inventory 33,495 26,408 18,740
Prepaid expenses and other assets 319 (958) 284
Accounts payable and accrued liabilities 1,482 1,302 3,402
Deferred payment protection plan revenue 1,782 734 876
Income taxes, net (3) (1,248) (151)
Excess tax benefit from share-based payments (221) 5 (134)
Net cash provided by operating activities 11,696 16,864 8,117
Investing Activities:      
Purchase of property and equipment (4,452) (4,801) (6,465)
Proceeds from sale of property and equipment 17 8 1,020
Net cash used in investing activities (4,435) (4,793) (5,445)
Financing Activities:      
Exercise of stock options and warrants 1,371   200
Excess tax benefits from stock based compensation 221 5 134
Issuance of common stock 118 103 110
Purchase of common stock (39,367) (20,347) (10,857)
Dividend payments (40) (40) (40)
Debt issuance costs (306) (530)  
Change in cash overdrafts 128 (610) (1,046)
Principal payments on note payable   (6,822) (2,106)
Proceeds from revolving credit facilities 324,853 149,967 122,462
Payments on revolving credit facilities (294,186) (133,842) (111,429)
Net cash used in financing activities (7,208) (12,116) (2,572)
Increase (decrease) in cash and cash equivalents 53 (45) 100
Cash and cash equivalents, beginning of period 223 268 168
Cash and cash equivalents, end of period $ 276 $ 223 $ 268