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Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)
 3 Months Ended
Jul. 31, 2013
Jul. 31, 2012
Net income $ 7,541,000 $ 8,118,000
Adjustments to reconcile net income from operations to net cash provided by operating activities:    
Provision for credit losses 26,530,000 21,663,000
Losses on claims for payment protection plan 1,790,000 1,484,000
Depreciation and amortization 777,000 662,000
Amortization of debt issuance costs 73,000 46,000
Loss on disposal of property and equipment 41,000  
Stock based compensation 644,000 807,000
Deferred income taxes (34,000) 277,000
Change in operating assets and liabilities:    
Finance receivable originations (102,834,000) (90,953,000)
Finance receivable collections 51,069,000 48,279,000
Accrued interest on finance receivables (189,000) (153,000)
Inventory 11,487,000 8,571,000
Prepaid expenses and other assets 23,000 141,000
Accounts payable and accrued liabilities (236,000) (1,615,000)
Deferred payment protection plan revenue 461,000 557,000
Income taxes, net 4,085,000 3,301,000
Excess tax benefit from share based compensation (5,000)  
Net cash provided by operating activities 1,223,000 1,185,000
Investing Activities:    
Purchase of property and equipment (1,786,000) (925,000)
Net cash used in investing activities (1,786,000) (925,000)
Financing Activities:    
Exercise of stock options and warrants 36,000  
Excess tax benefit from share based compensation 5,000  
Issuance of common stock 79,000 69,000
Purchase of common stock (384,000) (9,417,000)
Dividend payments (10,000) (10,000)
Debt issuance costs (200,000)  
Change in cash overdrafts 919,000 1,713,000
Proceeds from revolving credit facilities 73,996,000 77,420,000
Payments on revolving credit facilities (73,862,000) (70,112,000)
Net cash provided by (used in) financing activities 579,000 (337,000)
Increase (Decrease) in cash and cash equivalents 16,000 (77,000)
Cash and cash equivalents, beginning of period 272,000 276,000
Cash and cash equivalents, end of period $ 288,000 $ 199,000