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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)
In Thousands, unless otherwise specified
 3 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Cash flows from operating activities:    
Net income $ 6,705 $ 3,785
Accretion of deferred acquisition fees (4,610) (5,021)
Accretion of purchase discount on receivables measured at fair value (239) (886)
Amortization of discount on securitization trust debt 41 320
Amortization of discount on senior secured debt, related party 623 654
Accretion of premium on debt secured by receivables measured at fair value 304 1,104
Mark to fair value on debt secured by receivables at fair value 194 106
Mark to fair value of receivables at fair value (7) 13
Depreciation and amortization 94 143
Amortization of deferred financing costs 1,684 930
Provision for credit losses 23,880 15,147
Stock-based compensation expense 771 676
Interest income on residual assets (113) 0
Changes in assets and liabilities:    
Accrued interest receivable 1,213 (191)
Deferred tax assets, net 5,059 0
Other assets 530 (4)
Accounts payable and accrued expenses 26 4,269
Net cash provided by operating activities 36,155 21,045
Cash flows from investing activities:    
Purchases of finance receivables held for investment (189,886) (180,123)
Payments received on finance receivables held for investment 103,936 82,197
Payments on receivables portfolio at fair value 5,664 17,520
Proceeds received on residual interest in securitizations 522 1,319
Change in repossessions in inventory (1,800) (1,318)
Decreases (increases) in restricted cash and equivalents, net (15,312) (34,948)
Purchase of furniture and equipment (165) 0
Net cash used in investing activities (97,041) (115,353)
Cash flows from financing activities:    
Proceeds from issuance of securitization trust debt 180,000 185,000
Proceeds from issuance of subordinated renewable notes 155 748
Payments on subordinated renewable notes (712) (471)
Net proceeds from warehouse lines of credit 32,075 4,945
Repayments of residual interest financing debt (3,514) 0
Repayment of securitization trust debt (110,220) (76,138)
Repayment of debt secured by receivables measured at fair value (5,039) (17,930)
Repayment of senior secured debt, related party (39,182) 0
Payment of financing costs (1,578) (1,574)
Repurchase of common stock 0 (120)
Exercise of options and warrants 1,356 748
Net cash provided by financing activities 53,341 95,208
Increase (decrease) in cash and cash equivalents (7,545) 900
Cash and cash equivalents at beginning of period 22,112 12,966
Cash and cash equivalents at end of period 14,567 13,866
Cash paid during the period for:    
Interest 11,506 16,064
Income taxes 261 990
Non-cash financing activities:    
Derivative warrants reclassified from liabilities to common stock upon amendment $ 0 $ 583