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Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)
 3 Months Ended
Jul. 31, 2012
Jul. 31, 2011
Net income $ 8,118,000 $ 8,282,000
Adjustments to reconcile net income from operations to net cash provided by operating activities:    
Provision for credit losses 21,663,000 18,534,000
Losses on claims for payment protection plan 1,484,000 1,336,000
Depreciation and amortization 662,000 538,000
Amortization of debt issuance costs 46,000 44,000
Stock based compensation 807,000 731,000
Deferred income taxes 277,000 247,000
Change in operating assets and liabilities:    
Finance receivable originations (90,953,000) (82,903,000)
Finance receivable collections 48,279,000 45,815,000
Accrued interest on finance receivables (153,000) (242,000)
Inventory 8,571,000 4,903,000
Prepaid expenses and other assets 141,000 (136,000)
Accounts payable and accrued liabilities (1,615,000) (1,717,000)
Deferred payment protection plan revenue 557,000 301,000
Income taxes, net 3,301,000 5,510,000
Net cash provided by operating activities 1,185,000 1,243,000
Investing Activities:    
Purchase of property and equipment (925,000) (734,000)
Net cash used in investing activities (925,000) (734,000)
Financing Activities:    
Exercise of stock options and warrants   1,100
Issuance of common stock 69,000 53,000
Purchase of common stock (9,417,000) (11,096,000)
Dividend payments (10,000) (10,000)
Change in cash overdrafts 1,713,000 601,000
Proceeds from revolving credit facilities 77,420,000 74,887,000
Payments on revolving credit facilities (70,112,000) (64,949,000)
Net cash used in financing activities (337,000) (513,000)
Decrease in cash and cash equivalents (77,000) (4,000)
Cash and cash equivalents, beginning of period 276,000 223,000
Cash and cash equivalents, end of period $ 199,000 $ 219,000