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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 9 Months Ended
Jan. 31, 2016
Jan. 31, 2015
Payment Protection Plan [Member]    
Change in operating assets and liabilities:    
Increase (Decrease) in Deferred Revenue $ 1,062,000 $ 1,955,000
Service Contract [Member]    
Change in operating assets and liabilities:    
Increase (Decrease) in Deferred Revenue 88,000 5,348,000
Net income 8,233,000 22,240,000
Provision for credit losses 106,225,000 89,453,000
Losses on claims for payment protection plan 9,815,000 7,840,000
Depreciation and amortization 3,056,000 2,782,000
Amortization of debt issuance costs 144,000 165,000
Loss on disposal of property and equipment 46,000 20,000
Stock based compensation 1,236,000 605,000
Deferred income taxes (553,000) 3,814,000
Finance receivable originations (336,508,000) (334,769,000)
Finance receivable collections 173,949,000 168,784,000
Accrued interest on finance receivables (40,000) 67,000
Inventory 23,767,000 24,055,000
Prepaid expenses and other assets 295,000 (736,000)
Accounts payable and accrued liabilities 4,364,000 6,756,000
Income taxes, net (200,000) 1,824,000
Excess tax benefit from share based compensation (238,000) (957,000)
Net cash used in operating activities (5,259,000) (754,000)
Investing Activities:    
Purchase of property and equipment $ (4,201,000) (2,805,000)
Proceeds from sale of property and equipment 20,000
Net cash used in investing activities $ (4,201,000) (2,785,000)
Financing Activities:    
Exercise of stock options 400,000 2,927,000
Excess tax benefit from share based compensation 238,000 957,000
Issuance of common stock 144,000 145,000
Purchase of common stock (10,485,000) (13,628,000)
Dividend payments $ (30,000) (30,000)
Debt issuance costs (256,000)
Change in cash overdrafts $ (581,000) $ (1,085,000)
Payments on note payable (8,000)
Proceeds from revolving credit facilities 272,427,000 $ 268,840,000
Payments on revolving credit facilities (252,845,000) (253,056,000)
Net cash provided by financing activities 9,260,000 4,814,000
Increase (decrease) in cash and cash equivalents (200,000) 1,275,000
Cash and cash equivalents, beginning of period 790,000 289,000
Cash and cash equivalents, end of period $ 590,000 $ 1,564,000