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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 9 Months Ended
Jan. 31, 2018
Jan. 31, 2017
Net income $ 26,340,000 $ 14,963,000
Adjustments to reconcile net income to net cash used in operating activities:    
Provision for credit losses 110,778,000 110,467,000
Losses on claims for payment protection plan 12,039,000 11,260,000
Depreciation and amortization 3,244,000 3,235,000
Amortization of debt issuance costs 199,000 197,000
Loss on disposal of property and equipment 188,000 406,000
Stock based compensation 1,258,000 1,020,000
Deferred income taxes (7,254,000) 1,160,000
Excess tax benefit from share based compensation 777,000 (942,000)
Change in operating assets and liabilities:    
Finance receivable originations (356,489,000) (356,776,000)
Finance receivable collections 180,137,000 175,696,000
Accrued interest on finance receivables (251,000) (602,000)
Inventory 22,347,000 28,186,000
Prepaid expenses and other assets (989,000) (1,271,000)
Accounts payable and accrued liabilities 4,199,000 603,000
Income taxes, net (2,151,000) 3,015,000
Net cash used in operating activities (5,131,000) (8,639,000)
Investing Activities:    
Purchase of property and equipment (1,586,000) (1,424,000)
Proceeds from sale of property and equipment 288,000 924,000
Net cash used in investing activities (1,298,000) (500,000)
Financing Activities:    
Exercise of stock options 492,000 1,675,000
Excess tax benefit from share based compensation 942,000
Issuance of common stock 83,000 106,000
Purchase of common stock (26,295,000) (8,175,000)
Dividend payments (30,000) (30,000)
Change in cash overdrafts 3,446,000 3,587,000
Debt issuance costs (153,000) (378,000)
Payments on note payable (81,000) (77,000)
Proceeds from revolving credit facilities 307,351,000 278,304,000
Payments on revolving credit facilities (278,284,000) (267,163,000)
Net cash provided by financing activities 6,529,000 8,791,000
Increase (decrease) in cash and cash equivalents 100,000 (348,000)
Cash and cash equivalents, beginning of period 434,000 602,000
Cash and cash equivalents, end of period 534,000 254,000
Payment Protection Plan [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue 436,000 854,000
Service Contract [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue $ 61,000 $ (110,000)