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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2018
Dec. 31, 2017
Dec. 31, 2016
Cash flows from operating activities:      
Net income $ 14,862 $ 3,765 $ 29,300
Adjustments to reconcile net income to net cash provided by operating activities:      
Accretion of deferred acquisition fees 2,655 1,305 (2,980)
Net interest income accretion on fair value receivables 26,162 0 20
Depreciation and amortization 992 934 777
Amortization of deferred financing costs 8,453 8,738 8,389
Provision for credit losses 133,080 186,713 178,511
Stock-based compensation expense 3,515 5,715 5,553
Changes in assets and liabilities:      
Accrued interest receivable 14,784 (10,520) (4,686)
Other assets (4,161) 5,361 (8,739)
Deferred tax assets, net 13,258 10,399 (5,248)
Accounts payable and accrued expenses 2,605 3,238 (4,564)
Net cash provided by operating activities 216,205 215,648 196,333
Cash flows from investing activities:      
Originations of finance receivables held for investment 0 (859,069) (1,088,785)
Payments received on finance receivables held for investment 605,353 647,619 650,379
Purchases of finance receivables measured at fair value (914,949) 0 0
Payments on receivables portfolio at fair value 67,721 4 58
Change in repossessions held in inventory 757 1,490 1,629
Purchase of furniture and equipment (1,077) (669) (1,079)
Net cash used in investing activities (242,195) (210,625) (437,798)
Cash flows from financing activities:      
Proceeds from issuance of securitization trust debt 855,828 852,615 1,197,515
Proceeds from issuance of subordinated renewable notes 3,175 4,083 2,911
Payments on subordinated renewable notes (2,451) (2,466) (3,100)
Net proceeds from (repayments of) warehouse lines of credit 23,809 9,309 (91,496)
Repayments of residual interest financing debt 0 0 (9,042)
Net advances of residual interest financing debt 40,000 0 0
Repayment of securitization trust debt (876,094) (851,193) (834,880)
Payment of financing costs (8,039) (8,104) (9,367)
Repurchase of common stock (5,307) (12,346) (10,468)
Exercise of options and warrants 483 1,085 706
Net cash provided by (used in) financing activities 31,404 (7,017) 242,779
Increase (decrease) in cash and cash equivalents 5,414 (1,994) 1,314
Cash and cash equivalents at beginning of year 124,696 126,690 125,376
Cash and cash equivalents at end of year 130,110 124,696 126,690
Cash paid during the period for:      
Interest 92,405 83,110 71,077
Income taxes $ 417 $ 9,319 $ 32,909