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Consolidated Statements of Cash Flows - USD ($)
 12 Months Ended
Apr. 30, 2021
Apr. 30, 2020
Apr. 30, 2019
Net income $ 104,139,000 $ 51,343,000 $ 47,625,000
Adjustments to reconcile net income to net cash provided by operating activities:      
Financing Receivable, Credit Loss, Expense (Reversal) 163,662,000 162,246,000 146,363,000
Losses on claims for payment protection plan 18,954,000 17,966,000 17,020,000
Depreciation and amortization 3,719,000 3,839,000 3,969,000
Amortization of debt issuance costs 391,000 273,000 251,000
Gain on disposal of property and equipment (40,000) (114,000) (91,000)
Stock-based compensation 5,962,000 4,732,000 3,703,000
Deferred income taxes 7,028,000 (1,280,000) 1,701,000
Change in operating assets and liabilities:      
Finance receivable originations (762,716,000) (604,497,000) (540,505,000)
Finance receivable collections 370,254,000 322,180,000 293,739,000
Accrued interest on finance receivables (269,000) (750,000) (159,000)
Inventory 5,019,000 53,827,000 47,641,000
Prepaid expenses and other assets (1,679,000) 193,000 113,000
Accounts payable and accrued liabilities 14,766,000 1,009,000 2,226,000
Income taxes, net (3,691,000) 5,788,000 (497,000)
Net cash provided by (used in) operating activities (53,812,000) 20,917,000 24,902,000
Investing Activities:      
Purchase of investments 0 (4,648,000) 0
Purchases of property and equipment (8,952,000) (5,422,000) (4,029,000)
Proceeds from sale of property and equipment 694,000 184,000 142,000
Net cash used in investing activities (8,258,000) (9,886,000) (3,887,000)
Financing Activities:      
Exercise of stock options 4,034,000 1,533,000 5,117,000
Issuance of common stock 258,000 190,000 147,000
Purchase of common stock (10,616,000) (16,009,000) (26,577,000)
Dividend payments (40,000) (40,000) (40,000)
Debt issuance costs (282,000) (505,000) (371,000)
Change in cash overdrafts 1,802,000 (1,274,000) 768,000
Principal payments on notes payable (524,000) (509,000) (389,000)
Proceeds from revolving credit facilities 73,337,000 442,490,000 450,554,000
Payments on revolving credit facilities (62,566,000) (379,099,000) (449,494,000)
Net cash provided by (used in) financing activities 5,403,000 46,777,000 (20,285,000)
Increase (decrease) in cash and cash equivalents (56,667,000) 57,808,000 730,000
Cash and cash equivalents, beginning of period 59,560,000 1,752,000 1,022,000
Cash and cash equivalents, end of period 2,893,000 59,560,000 1,752,000
Payment Protection Plan [Member]      
Change in operating assets and liabilities:      
Increase (decrease) in deferred revenue 8,224,000 3,113,000 1,544,000
Service Contract [Member]      
Change in operating assets and liabilities:      
Increase (decrease) in deferred revenue $ 12,465,000 $ 1,049,000 $ 259,000