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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2018
Mar. 31, 2017
Cash flows from operating activities:    
Net income $ 3,145 $ 4,480
Adjustments to reconcile net income to net cash provided by operating activities:    
Accretion of deferred acquisition fees and origination costs 728 (73)
Net interest income accretion on fair value receivables 121 0
Depreciation and amortization 240 228
Amortization of deferred financing costs 2,136 2,159
Provision for credit losses 40,507 47,167
Stock-based compensation expense 1,186 1,394
Changes in assets and liabilities:    
Accrued interest receivable 7,676 4,352
Deferred tax assets, net 144 (194)
Other assets 2,461 3,936
Accounts payable and accrued expenses 4,854 (1,257)
Net cash provided by operating activities 63,198 62,192
Cash flows from investing activities:    
Purchases of finance receivables held for investment 0 (229,642)
Payments received on finance receivables held for investment 163,531 167,996
Purchases of finance receivables measured at fair value (212,610) 0
Payments received on finance receivables at fair value 2,642 4
Change in repossessions held in inventory (1,764) 360
Change in restricted cash and cash equivalents, net (18,833) (16,443)
Purchase of furniture and equipment (137) (137)
Net cash used in investing activities (67,171) (77,862)
Cash flows from financing activities:    
Proceeds from issuance of securitization trust debt 190,000 206,320
Proceeds from issuance of subordinated renewable notes 607 861
Payments on subordinated renewable notes (825) (538)
Net advances of warehouse lines of credit 8,880 16,482
Repayment of securitization trust debt (193,560) (205,321)
Payment of financing costs (1,343) (1,572)
Purchase of common stock (1,419) (2,900)
Exercise of options and warrants 475 473
Net cash provided by financing activities 2,815 13,805
Increase (decrease) in cash and cash equivalents (1,158) (1,865)
Cash and cash equivalents at beginning of period 12,731 13,936
Cash and cash equivalents at end of period 11,573 12,071
Cash paid during the period for:    
Interest 21,729 19,697
Income taxes $ 16 $ 66