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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 3 Months Ended
Jul. 31, 2018
Jul. 31, 2017
Net income $ 10,884,000 $ 6,992,000
Adjustments to reconcile net income to net cash used in operating activities:    
Provision for credit losses 37,543,000 34,160,000
Losses on claims for payment protection plan 4,069,000 3,938,000
Depreciation and amortization 985,000 1,079,000
Amortization of debt issuance costs 69,000 59,000
Loss on disposal of property and equipment 47,000
Stock based compensation 1,094,000 626,000
Deferred income taxes 871,000 404,000
Excess tax benefit from share based compensation 943,000 172,000
Change in operating assets and liabilities:    
Finance receivable originations (134,261,000) (118,953,000)
Finance receivable collections 66,740,000 58,934,000
Accrued interest on finance receivables (143,000) (153,000)
Inventory 7,251,000 8,487,000
Prepaid expenses and other assets (27,000) (364,000)
Accounts payable and accrued liabilities 3,032,000 3,481,000
Income taxes, net 486,000 3,175,000
Net cash provided by operating activities 414,000 2,790,000
Investing Activities:    
Purchase of property and equipment (685,000) (613,000)
Net cash used in investing activities (685,000) (613,000)
Financing Activities:    
Exercise of stock options 2,713,000 543,000
Issuance of common stock 29,000 28,000
Purchase of common stock (7,377,000) (3,745,000)
Dividend payments (10,000) (10,000)
Change in cash overdrafts 2,036,000 1,431,000
Debt issuance costs (28,000)
Payments on note payable (94,000) (27,000)
Proceeds from revolving credit facilities 109,622,000 89,434,000
Payments on revolving credit facilities (106,829,000) (89,736,000)
Net cash provided by (used in) financing activities 90,000 (2,110,000)
Increase (decrease) in cash and cash equivalents (181,000) 67,000
Cash and cash equivalents, beginning of period 1,022,000 434,000
Cash and cash equivalents, end of period 841,000 501,000
Payment Protection Plan [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue 606,000 416,000
Service Contract [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue $ 272,000 $ 290,000