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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Cash flows from operating activities:    
Net income $ 28,559 $ 17,532
Adjustments to reconcile net income to net cash provided by operating activities:    
Accretion of deferred acquisition fees and origination costs 651 910
Net interest income accretion on fair value receivables 100,676 98,060
Depreciation and amortization 1,254 1,344
Amortization of deferred financing costs 5,360 6,128
Mark to finance receivables measured at fair value 4,417 23,051
Provision for credit losses (1,590) 14,113
Stock-based compensation expense 1,265 1,437
Purchases of finance receivables held-for-sale (23,700)
Sale of finance receivables held-for-sale 23,513
Changes in assets and liabilities:    
Accrued interest receivable 2,087 5,354
Deferred tax assets, net 3,146 18,985
Other assets 8,629 1,673
Accounts payable and accrued expenses 8,809 1,979
Net cash provided by operating activities 163,076 190,566
Cash flows from investing activities:    
Payments received on finance receivables held for investment 198,366 260,804
Purchases of finance receivables measured at fair value (795,457) (572,938)
Payments received on finance receivables at fair value 546,897 354,910
Change in repossessions held in inventory 1,567 3,435
Purchase of furniture and equipment (1,547) (820)
Net cash provided by (used in) investing activities (50,174) 45,391
Cash flows from financing activities:    
Proceeds from issuance of securitization trust debt 761,545 714,543
Proceeds from issuance of subordinated renewable notes 7,416 5,120
Payments on subordinated renewable notes (1,277) (2,412)
Repayments of warehouse lines of credit (22,089) (104,685)
Net Proceeds from (repayment of) residual interest financing debt 39,705 (7,757)
Repayment of securitization trust debt (861,045) (764,075)
Payment of financing costs (5,752) (4,861)
Purchase of common stock (3,959) (967)
Exercise of options and warrants 2,167 470
Net cash used in financing activities (83,289) (164,624)
Increase in cash and cash equivalents 29,613 71,333
Cash and restricted cash  at beginning of period 144,152 140,832
Cash and restricted cash at end of period 173,765 212,165
Cash paid (received) during the period for:    
Interest 53,931 72,565
Income taxes $ 8,997 $ (17,561)