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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 9 Months Ended
Jan. 31, 2021
Jan. 31, 2020
Net income $ 60,642,000 $ 42,084,000
Adjustments to reconcile net income to net cash used in operating activities:    
Provision for credit losses 127,585,000 112,885,000
Losses on claims for payment protection plan 13,898,000 13,141,000
Depreciation and amortization 2,772,000 2,913,000
Amortization of debt issuance costs 266,000 191,000
Loss (gain) on disposal of property and equipment (42,000) 39,000
Stock based compensation 4,969,000 3,150,000
Deferred income taxes 2,486,000 1,568,000
Excess tax benefit from share based compensation 672,000 1,338,000
Change in operating assets and liabilities:    
Finance receivable originations (524,820,000) (446,093,000)
Finance receivable collections 254,845,000 229,973,000
Accrued interest on finance receivables 90,000 (255,000)
Inventory 3,552,000 21,782,000
Prepaid expenses and other assets (970,000) (86,000)
Accounts payable and accrued liabilities 10,685,000 1,116,000
Income taxes, net (4,185,000) (174,000)
Net cash used in operating activities (39,459,000) (13,429,000)
Investing Activities:    
Purchase of property and equipment (7,011,000) (3,244,000)
Proceeds from sale of property and equipment 610,000 9,000
Net cash used in investing activities (6,401,000) (3,235,000)
Financing Activities:    
Exercise of stock options 4,561,000 1,738,000
Issuance of common stock 193,000 141,000
Purchase of common stock (9,820,000) (15,823,000)
Dividend payments (30,000) (30,000)
Change in cash overdrafts 913,000 (222,000)
Debt issuance costs (282,000) (459,000)
Payments on note payable (443,000) (374,000)
Proceeds from revolving credit facilities 11,316,000 384,690,000
Payments on revolving credit facilities (15,947,000) (352,666,000)
Net cash provided by (used in) provided by financing activities (9,539,000) 16,995,000
Increase (decrease) in cash and cash equivalents (55,399,000) 331,000
Cash and cash equivalents, beginning of period 59,560,000 1,752,000
Cash and cash equivalents, end of period 4,161,000 2,083,000
Payment Protection Plan [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue 4,306,000 2,199,000
Service Contract [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue $ 3,790,000 $ 800,000