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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 9 Months Ended
Jan. 31, 2020
Jan. 31, 2019
Net income $ 42,084,000 $ 33,059,000
Adjustments to reconcile net income to net cash used in operating activities:    
Provision for credit losses 112,885,000 111,619,000
Losses on claims for payment protection plan 13,141,000 12,148,000
Depreciation and amortization 2,913,000 2,949,000
Amortization of debt issuance costs 191,000 198,000
Loss (gain) on disposal of property and equipment 39,000 (88,000)
Stock based compensation 3,150,000 2,270,000
Deferred income taxes 1,568,000 1,609,000
Excess tax benefit from share based compensation 1,338,000 1,527,000
Change in operating assets and liabilities:    
Finance receivable originations (446,093,000) (399,089,000)
Finance receivable collections 229,973,000 206,620,000
Accrued interest on finance receivables (255,000) (267,000)
Inventory 21,782,000 32,194,000
Prepaid expenses and other assets (86,000) (318,000)
Accounts payable and accrued liabilities 1,116,000 1,320,000
Income taxes, net (174,000) (1,723,000)
Net cash provided by (used in) operating activities (13,429) 4,845
Investing Activities:    
Purchase of property and equipment (3,244,000) (3,042,000)
Proceeds from sale of property and equipment 9,000
Net cash used in investing activities (3,235,000) (3,042,000)
Financing Activities:    
Exercise of stock options 1,738,000 3,827,000
Issuance of common stock 141,000 103,000
Purchase of common stock (15,823,000) (24,087,000)
Dividend payments (30,000) (30,000)
Change in cash overdrafts (222,000) 814,000
Debt issuance costs (459,000) (372,000)
Payments on note payable (374,000) (284,000)
Proceeds from revolving credit facilities 384,690,000 337,842,000
Payments on revolving credit facilities (352,666,000) (319,014,000)
Net cash provided by (used in) financing activities 16,995,000 (1,201,000)
Increase in cash and cash equivalents 331,000 602,000
Cash and cash equivalents, beginning of period 1,752,000 1,022,000
Cash and cash equivalents, end of period 2,083,000 1,624,000
Payment Protection Plan [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue 2,199,000 925,000
Service Contract [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue $ 800,000 $ (108,000)