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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 6 Months Ended
Oct. 31, 2018
Oct. 31, 2017
Net income $ 22,164,000 $ 12,961,000
Adjustments to reconcile net income to net cash used in operating activities:    
Provision for credit losses 76,064,000 72,906,000
Losses on claims for payment protection plan 7,903,000 7,980,000
Depreciation and amortization 1,964,000 2,187,000
Amortization of debt issuance costs 138,000 125,000
Loss on disposal of property and equipment 12,000 104,000
Stock based compensation 1,688,000 988,000
Deferred income taxes 1,608,000 970,000
Excess tax benefit from share based compensation 1,486,000 784,000
Change in operating assets and liabilities:    
Finance receivable originations (269,883,000) (239,007,000)
Finance receivable collections 135,471,000 118,609,000
Accrued interest on finance receivables (246,000) (236,000)
Inventory 18,703,000 18,910,000
Prepaid expenses and other assets 28,000 (343,000)
Accounts payable and accrued liabilities 1,290,000 2,540,000
Income taxes, net (2,120,000) (1,373,000)
Net cash used in operating activities (2,545,000) (1,154,000)
Investing Activities:    
Purchase of property and equipment (1,537,000) (958,000)
Proceeds from sale of property and equipment 23,000
Net cash used in investing activities (1,537,000) (935,000)
Financing Activities:    
Exercise of stock options 3,748,000 3,000
Issuance of common stock 67,000 58,000
Purchase of common stock (13,872,000) (20,088,000)
Dividend payments (20,000) (20,000)
Change in cash overdrafts 1,532,000 2,179,000
Debt issuance costs (5,000) (153,000)
Payments on note payable and capital lease (188,000) (54,000)
Proceeds from revolving credit facilities 225,673,000 203,664,000
Payments on revolving credit facilities (213,196,000) (183,576,000)
Net cash provided by financing activities 3,739,000 2,013,000
Decrease in cash and cash equivalents (343,000) (76,000)
Cash and cash equivalents, beginning of period 1,022,000 434,000
Cash and cash equivalents, end of period 679,000 358,000
Payment Protection Plan [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue 967,000 484,000
Service Contract [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue $ 218,000 $ 257,000