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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 9 Months Ended
Jan. 31, 2019
Jan. 31, 2018
Net income $ 33,059,000 $ 26,340,000
Adjustments to reconcile net income to net cash used in operating activities:    
Provision for credit losses 111,619,000 110,778,000
Losses on claims for payment protection plan 12,148,000 12,039,000
Depreciation and amortization 2,949,000 3,244,000
Amortization of debt issuance costs 198,000 199,000
(Gain) loss on disposal of property and equipment (88,000) 188,000
Stock based compensation 2,270,000 1,258,000
Deferred income taxes 1,609,000 (7,254,000)
Excess tax benefit from share based compensation 1,527,000 777,000
Change in operating assets and liabilities:    
Finance receivable originations (399,089,000) (356,489,000)
Finance receivable collections 206,620,000 180,137,000
Accrued interest on finance receivables (267,000) (251,000)
Inventory 32,194,000 22,347,000
Prepaid expenses and other assets (318,000) (989,000)
Accounts payable and accrued liabilities 1,320,000 4,199,000
Income taxes, net (1,723,000) (2,151,000)
Net cash provided by (used in) operating activities 4,845,000 (5,131,000)
Investing Activities:    
Purchase of property and equipment (3,042,000) (1,586,000)
Proceeds from sale of property and equipment 288,000
Net cash used in investing activities (3,042,000) (1,298,000)
Financing Activities:    
Exercise of stock options 3,827,000 492,000
Issuance of common stock 103,000 83,000
Purchase of common stock (24,087,000) (26,295,000)
Dividend payments (30,000) (30,000)
Change in cash overdrafts 814,000 3,446,000
Debt issuance costs (372,000) (153,000)
Payments on note payable and capital lease (284,000) (81,000)
Proceeds from revolving credit facilities 337,842,000 307,351,000
Payments on revolving credit facilities (319,014,000) (278,284,000)
Net cash provided by (used in) financing activities (1,201,000) 6,529,000
Increase in cash and cash equivalents 602,000 100,000
Cash and cash equivalents, beginning of period 1,022,000 434,000
Cash and cash equivalents, end of period 1,624,000 534,000
Payment Protection Plan [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue 925,000 436,000
Service Contract [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue $ (108,000) $ 61,000