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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Jul. 31, 2022
Jul. 31, 2021
Net income $ 13,242 $ 24,967
Adjustments to reconcile net income to net cash used in operating activities:    
Provision for credit losses 82,903 54,108
Losses on claims for accident protection plan 6,108 4,518
Depreciation and amortization 1,151 915
Amortization of debt issuance costs 1,955 120
Loss on disposal of property and equipment 8 2
Stock based compensation 1,978 2,972
Deferred income taxes 3,082 1,972
Excess tax benefit from share based compensation 206 644
Change in operating assets and liabilities:    
Finance receivable originations (287,416) (234,893)
Finance receivable collections 103,879 97,342
Accrued interest on finance receivables (106) (162)
Inventory (521) 683
Prepaid expenses and other assets (703) (737)
Accounts payable and accrued liabilities 6,900 2,295
Income taxes, net 396 4,175
Net cash used in operating activities (59,074) (31,395)
Investing Activities:    
Purchase of property and equipment (8,248) (1,689)
Net cash used in investing activities (8,248) (1,689)
Financing Activities:    
Exercise of stock options 1,216 (1,007)
Issuance of common stock 85 81
Purchase of common stock (5,196) (11,618)
Dividend payments (10) (10)
Change in cash overdrafts 1,108 (316)
Debt issuance costs (89) 0
Payments on note payable (74,532) 0
Proceeds from revolving line of credit 148,386 76,335
Payments on revolving line of credit (4,350) (30,555)
Net cash provided by financing activities 66,618 32,910
Decrease in cash, cash equivalents, and restricted cash (704) (174)
Cash, cash equivalents, and restricted cash beginning of period 42,587 2,893
Cash, cash equivalents, and restricted cash end of period 41,883 2,719
Accident Protection Plan [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue 2,960 3,084
Service Contract [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue $ 4,904 $ 6,600