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Consolidated Statements of Cash Flows (USD $)
 12 Months Ended
Apr. 30, 2013
Apr. 30, 2012
Apr. 30, 2011
Net income $ 32,165,000 $ 32,987,000 $ 28,215,000
Adjustments to reconcile net income from operations to net cash provided by (used in) operating activities:      
Provision for credit losses 96,035,000 81,638,000 70,964,000
Losses on claims for payment protection plan 7,544,000 6,053,000 4,927,000
Depreciation and amortization 2,826,000 2,329,000 1,928,000
Amortization of debt issuance costs 209,000 182,000 88,000
Loss on sale of property and equipment 58,000 91,000 55,000
Stock based compensation 1,852,000 2,172,000 2,885,000
Unrealized gain for change in fair value of interest rate swap     (72,000)
Deferred income taxes 1,446,000 3,316,000 4,212,000
Change in operating assets and liabilities:      
Finance receivable originations (387,895,000) (354,328,000) (311,249,000)
Finance receivable collections 207,713,000 200,697,000 188,840,000
Accrued interest on finance receivables (356,000) (295,000) (172,000)
Inventory 34,072,000 33,495,000 26,408,000
Prepaid expenses and other assets (1,071,000) 319,000 (958,000)
Accounts payable and accrued liabilities 2,847,000 1,482,000 1,302,000
Deferred payment protection plan revenue 2,165,000 1,782,000 734,000
Income taxes, net (756,000) (3,000) (1,248,000)
Excess tax benefit from share-based payments (190,000) (221,000) 5,000
Net cash provided by (used in) operating activities (1,336,000) 11,696,000 16,864,000
Investing Activities:      
Purchase of property and equipment (5,726,000) (4,452,000) (4,801,000)
Proceeds from sale of property and equipment 208,000 17,000 8,000
Net cash used in investing activities (5,518,000) (4,435,000) (4,793,000)
Financing Activities:      
Exercise of stock options and warrants 790,000 1,371,000  
Excess tax benefits from stock based compensation 190,000 221,000 5,000
Issuance of common stock 143,000 118,000 103,000
Purchase of common stock (17,305,000) (39,367,000) (20,347,000)
Dividend payments (40,000) (40,000) (40,000)
Debt issuance costs (56,000) (306,000) (530,000)
Change in cash overdrafts 1,409,000 128,000 (610,000)
Principal payments on note payable     (6,822,000)
Proceeds from revolving credit facilities 330,238,000 324,853,000 149,967,000
Payments on revolving credit facilities (308,519,000) (294,186,000) (133,842,000)
Net cash provided by (used in) financing activities 6,850,000 (7,208,000) (12,116,000)
Increase (decrease) in cash and cash equivalents (4,000) 53,000 (45,000)
Cash and cash equivalents, beginning of period 276,000 223,000 268,000
Cash and cash equivalents, end of period $ 272,000 $ 276,000 $ 223,000