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Note B - Summary of Significant Accounting Policies (Details Textual) - USD ($)
 3 Months Ended 12 Months Ended
Apr. 30, 2020
Jan. 31, 2018
Apr. 30, 2020
Apr. 30, 2019
Apr. 30, 2018
Jan. 31, 2020
Jul. 31, 2019
May 01, 2019
Number of Reportable Segments     1          
Average Finance Receivable Interest Rate     16.40%          
Interest Receivable $ 3,098,000   $ 3,098,000 $ 2,348,000        
Finance Receivables, Customer Payments Due Either Weekly or Bi-Weekly, Percentage     76.00%          
Financing Receivable, Greater Than or Equal to 30 Days Past Due, Percent of Portfolio 6.20%   6.20% 2.90%        
Percent of Chargeoffs in the First 10 to 11 Months of a Contract 50.00%   50.00%          
Average Age of Account at Charge-Off Date (Month)     1 year 30 days          
Finance Receivables, Allowance, Percent of Principle Balance           24.50% 24.50% 25.00%
Financing Receivable, Percent Past Due           2.90%    
Payment Protection Plan Liability, Anticipated Losses in Excess of Deferred Revenues $ 0   $ 0 $ 0        
Goodwill, Impairment Loss     $ 0 $ 0        
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent     21.00% 21.00% 30.40%      
Tax Adjustments, Settlements, and Unusual Provisions   $ (8,100,000)            
Open Tax Year     2017 2018 2019          
Income Tax Examination, Penalties and Interest Accrued, Total 0   $ 0 $ 0        
Financing Receivable, Recorded Investment Greater Than 90 Days Past Due $ 3,082,000   3,082,000 1,187,000        
Late Fee Income Generated by Servicing Financial Assets, Amount     2,300,000 1,900,000 $ 1,900,000      
Contract with Customer, Liability, Revenue Recognized     9,400,000 9,100,000        
Advertising Expense     $ 3,100,000 3,100,000 3,800,000      
Defined Contribution Plan, Employer Matching Contribution, Percent of Match     50.00%          
Defined Contribution Plan, Employer Matching Contribution, Percent of Employees' Gross Pay     6.00%          
Defined Contribution Plan, Employer Contribution Amount     $ 769,000 523,000 465,000      
Income Tax Expense (Benefit), Total     $ 13,008,000 $ 12,226,000 $ 2,397,000      
Stock Repurchased During Period, Shares (in shares)     182,805 378,627 979,040      
Stock Repurchased During Period, Value     $ 16,000,000 $ 26,600,000 $ 42,300,000      
Treasury Stock Shares to Establish Reserve Account to Secure Service Contracts (in shares)     10,000          
Operating Lease, Weighted Average Remaining Lease Term (Year) 15 years   15 years          
Operating Lease, Weighted Average Discount Rate, Percent 4.35%   4.35%          
Liabilities, Total $ 364,165,000   $ 364,165,000 231,632,000        
Assets, Total $ 667,324,000   $ 667,324,000 $ 492,542,000        
ACM Insurance Company [Member]                
Treasury Stock, Shares to Establish Reserve Account to Meet Regulatory Requirements for Insurance Company (in shares)     14,000          
Accounting Standards Update 2016-09 [Member]                
Income Tax Expense (Benefit), Total         $ 1,700,000      
Accounting Standards Update 2016-02 [Member]                
Liabilities, Total               $ 34,500,000
Assets, Total               $ 34,500,000
2006 Employee Stock Purchase Plan [Member]                
Common Stock Discount on Shares Percentage 15.00%   15.00%          
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized (in shares) 200,000   200,000          
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in shares) 139,763   139,763          
COVID-19 Pandemic [Member]                
Finance Receivables, Allowance, Percent of Principle Balance 26.50%   26.50%          
Financing Receivable, Percent Past Due 6.20%   6.20%          
Provision for Loan, Lease, and Other Losses, Total $ 9,100,000              
Provision for Loan, Lease, and Other Losses, Net of Tax $ 7,000,000              
Provision for Loan, Lease, and Other Losses, Total (in dollars per share) $ 1.02              
Minimum [Member]                
Allowance for Credit Losses, Primary Factor Units Repossessed or Charged Off Evaluation Period (Year)     1 year          
Lessee, Operating Lease, Term of Contract (Year) 3 years   3 years          
Lessee, Operating Lease, Renewal Term (Year) 3 years   3 years          
Maximum [Member]                
Allowance for Credit Losses, Primary Factor Units Repossessed or Charged Off Evaluation Period (Year)     5 years          
Lessee, Operating Lease, Term of Contract (Year) 10 years   10 years          
Lessee, Operating Lease, Renewal Term (Year) 10 years   10 years          
Revolving Credit Facility [Member]                
Line of Credit Facility, Distribution Limitations, Maximum Aggregate Amount of Stock Repurchases     $ 50,000,000          
Line of Credit Facility, Distribution Limitations Percentage of Sum of Borrowing Bases     20.00%          
Line of Credit Facility, Distribution Limitations Percentage of Consolidated Net Income     75.00%          
Line of Credit Facility Distribution Limitations Minimum Percentage of Aggregate Funds Available     12.50%          
Customer Concentration Risk [Member] | Revenue Benchmark [Member] | Arkansas, USA [Member]                
Concentration Risk, Percentage     29.00%