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Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)
 3 Months Ended
Jul. 31, 2014
Jul. 31, 2013
Net income $ 7,260,000 $ 7,541,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 27,876,000 26,530,000
Losses on claims for payment protection plan 2,186,000 1,790,000
Depreciation and amortization 918,000 777,000
Amortization of debt issuance costs 46,000 73,000
Loss on disposal of property and equipment   41,000
Stock based compensation 266,000 644,000
Deferred income taxes 1,161,000 (34,000)
Change in operating assets and liabilities:    
Finance receivable originations (107,957,000) (102,834,000)
Finance receivable collections 54,317,000 51,069,000
Accrued interest on finance receivables (139,000) (189,000)
Inventory 7,173,000 11,487,000
Prepaid expenses and other assets (52,000) 23,000
Accounts payable and accrued liabilities 4,708,000 (401,000)
Income taxes, net 3,681,000 4,085,000
Excess tax benefit from share based compensation (77,000) (5,000)
Net cash provided by operating activities 4,057,000 1,223,000
Investing Activities:    
Purchase of property and equipment (987,000) (1,786,000)
Net cash used in investing activities (987,000) (1,786,000)
Financing Activities:    
Exercise of stock options and warrants 268,000 36,000
Excess tax benefit from share based compensation 77,000 5,000
Issuance of common stock 78,000 79,000
Purchase of common stock (2,760,000) (384,000)
Dividend payments (10,000) (10,000)
Debt issuance costs   (200,000)
Change in cash overdrafts 2,109,000 919,000
Proceeds from revolving credit facilities 76,046,000 73,996,000
Payments on revolving credit facilities (78,858,000) (73,862,000)
Net cash (used in) provided by financing activities (3,050,000) 579,000
Increase in cash and cash equivalents 20,000 16,000
Cash and cash equivalents, beginning of period 289,000 272,000
Cash and cash equivalents, end of period 309,000 288,000
Payment Protection Plan [Member]
    
Change in operating assets and liabilities:    
Increase (Decrease) in Deferred Revenue 529,000 461,000
Service Contract [Member]
    
Change in operating assets and liabilities:    
Increase (Decrease) in Deferred Revenue $ 2,161,000 $ 165,000