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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 3 Months Ended
Jul. 31, 2017
Jul. 31, 2016
Net income $ 6,992,000 $ 7,109,000
Adjustments to reconcile net income to net cash provided by (used in) operating activities:    
Provision for credit losses 34,160,000 33,381,000
Losses on claims for payment protection plan 3,938,000 3,107,000
Depreciation and amortization 1,079,000 1,096,000
Amortization of debt issuance costs 59,000 70,000
Loss on disposal of property and equipment 47,000 400,000
Stock based compensation 626,000 532,000
Deferred income taxes 404,000 943,000
Excess tax benefit from share based compensation 172,000 0
Change in operating assets and liabilities:    
Finance receivable originations (118,953,000) (120,848,000)
Finance receivable collections 58,934,000 58,036,000
Accrued interest on finance receivables (153,000) (441,000)
Inventory 8,487,000 4,624,000
Prepaid expenses and other assets (364,000) 38,000
Accounts payable and accrued liabilities 3,481,000 3,678,000
Income taxes, net 3,175,000 2,834,000
Net cash provided by (used in) operating activities 2,790,000 (4,295,000)
Investing Activities:    
Purchase of property and equipment (613,000) (523,000)
Net cash used in investing activities (613,000) (523,000)
Financing Activities:    
Exercise of stock options 543,000 77,000
Issuance of common stock 28,000 35,000
Purchase of common stock (3,745,000) (7,165,000)
Dividend payments (10,000) (10,000)
Change in cash overdrafts 1,431,000 2,088,000
Debt issuance costs (28,000) 0
Payments on note payable (27,000) (26,000)
Proceeds from revolving credit facilities 89,434,000 94,410,000
Payments on revolving credit facilities (89,736,000) (84,822,000)
Net cash (used in) provided by financing activities (2,110,000) 4,587,000
Increase (decrease) in cash and cash equivalents 67,000 (231,000)
Cash and cash equivalents, beginning of period 434,000 602,000
Cash and cash equivalents, end of period 501,000 371,000
Payment Protection Plan [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue 416,000 812,000
Service Contract [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue $ 290,000 $ 334,000