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Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)
 6 Months Ended
Oct. 31, 2012
Oct. 31, 2011
Net income $ 15,396,000 $ 16,041,000
Adjustments to reconcile net income from operations to net cash provided by operating activities:    
Provision for credit losses 45,310,000 41,157,000
Losses on claims for payment protection plan 3,292,000 2,735,000
Depreciation and amortization 1,358,000 1,103,000
Amortization of debt issuance costs 110,000 88,000
Loss on sale of property and equipment   15,000
Stock based compensation 1,184,000 1,200,000
Deferred income taxes 755,000 2,224,000
Change in operating assets and liabilities:    
Finance receivable originations (182,140,000) (175,333,000)
Finance receivable collections 96,730,000 92,989,000
Accrued interest on finance receivables (270,000) (268,000)
Inventory 18,879,000 13,173,000
Prepaid expenses and other assets 77,000 643,000
Accounts payable and accrued liabilities (857,000) 860,000
Deferred payment protection plan revenue 799,000 804,000
Income taxes, net (87,000) 1,384,000
Excess tax benefit from share based compensation (93,000) 69,000
Net cash provided by (used in) operating activities 443,000 (1,116,000)
Investing Activities:    
Purchase of property and equipment (1,960,000) (2,029,000)
Net cash used in investing activities (1,960,000) (2,029,000)
Financing Activities:    
Exercise of stock options and warrants 584,000 513,000
Excess tax benefit from share based compensation 93,000 69,000
Issuance of common stock 69,000 53,000
Purchase of common stock (14,667,000) (26,426,000)
Dividend payments (20,000) (20,000)
Debt issuance costs (56,000)  
Change in cash overdrafts 2,226,000 165,000
Proceeds from revolving credit facilities 153,609,000 161,930,000
Payments on revolving credit facilities (140,197,000) (133,032,000)
Net cash provided by financing activities 1,641,000 3,252,000
Increase in cash and cash equivalents 124,000 107,000
Cash and cash equivalents, beginning of period 276,000 223,000
Cash and cash equivalents, end of period $ 400,000 $ 330,000