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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 3 Months Ended
Jul. 31, 2015
Jul. 31, 2014
Payment Protection Plan [Member]    
Change in operating assets and liabilities:    
Increase (Decrease) in Deferred Revenue $ 540,000 $ 529,000
Service Contract [Member]    
Change in operating assets and liabilities:    
Increase (Decrease) in Deferred Revenue 514,000 2,161,000
Net income 4,616,000 7,260,000
Provision for credit losses 35,345,000 27,876,000
Losses on claims for payment protection plan 3,155,000 2,186,000
Depreciation and amortization 1,010,000 918,000
Amortization of debt issuance costs 48,000 46,000
Stock based compensation 665,000 266,000
Deferred income taxes 469,000 1,161,000
Finance receivable originations (117,341,000) (107,957,000)
Finance receivable collections 58,943,000 54,317,000
Accrued interest on finance receivables 192,000 (139,000)
Inventory 7,690,000 7,173,000
Prepaid expenses and other assets 305,000 (52,000)
Accounts payable and accrued liabilities 1,890,000 4,708,000
Income taxes, net 2,192,000 3,681,000
Excess tax benefit from share based compensation (191,000) (77,000)
Net cash provided by operating activities 42,000 4,057,000
Investing Activities:    
Purchase of property and equipment (1,398,000) (987,000)
Net cash used in investing activities (1,398,000) (987,000)
Financing Activities:    
Exercise of stock options and warrants 245,000 268,000
Excess tax benefit from share based compensation 191,000 77,000
Issuance of common stock 69,000 78,000
Purchase of common stock (2,311,000) (2,760,000)
Dividend payments (10,000) (10,000)
Change in cash overdrafts 392,000 2,109,000
Proceeds from revolving credit facilities 87,857,000 76,046,000
Payments on revolving credit facilities (85,132,000) (78,858,000)
Net cash provided by (used in) financing activities 1,301,000 (3,050,000)
Increase (decrease) in cash and cash equivalents (55,000) 20,000
Cash and cash equivalents, beginning of period 790,000 289,000
Cash and cash equivalents, end of period $ 735,000 $ 309,000