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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Thousands
 6 Months Ended
Jun. 30, 2021
Jun. 30, 2020
Cash flows from operating activities:    
Net income $ 14,877 $ 13,764
Adjustments to reconcile net income to net cash provided by operating activities:    
Accretion of deferred acquisition fees and origination costs 651 641
Net interest income accretion on fair value receivables 66,812 64,156
Depreciation and amortization 845 906
Amortization of deferred financing costs 3,598 4,127
Mark to finance receivables measured at fair value 4,417 19,899
Provision for credit losses 0 6,713
Stock-based compensation expense 735 898
Changes in assets and liabilities:    
Accrued interest receivable 1,416 4,416
Deferred tax assets, net 1,381 16,569
Other assets 8,644 (3,074)
Accounts payable and accrued expenses 9,030 338
Net cash provided by operating activities 112,406 129,353
Cash flows from investing activities:    
Payments received on finance receivables held for investment 142,464 180,366
Purchases of finance receivables measured at fair value (485,117) (399,729)
Payments received on finance receivables at fair value 355,439 222,063
Change in repossessions held in inventory 982 2,888
Purchase of furniture and equipment (1,024) (660)
Net cash provided by investing activities 12,744 4,928
Cash flows from financing activities:    
Proceeds from issuance of securitization trust debt 470,545 462,343
Proceeds from issuance of subordinated renewable notes 5,684 3,450
Payments on subordinated renewable notes (1,002) (1,404)
Repayments of warehouse lines of credit (42,560) (78,843)
Net Proceeds from (repayment of) residual interest financing debt 42,332 (2,120)
Repayment of securitization trust debt (541,065) (508,942)
Payment of financing costs (3,872) (3,178)
Purchase of common stock (1,582) (205)
Exercise of options and warrants 1,125 452
Net cash used in financing activities (70,395) (128,447)
Increase in cash and cash equivalents 54,755 5,834
Cash and restricted cash  at beginning of period 144,152 140,832
Cash and restricted cash at end of period 198,907 146,666
Cash paid (received) during the period for:    
Interest 36,665 49,372
Income taxes $ 2,962 $ (17,580)