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(1) Summary of Significant Accounting Policies (Tables)

6 Months Ended

Jun. 30, 2022

Accounting Policies [Abstract]

Schedule of other income

Schedule of other income
		Three Months Ended								Six Months Ended
		June 30,								June 30,
		2022				2021				2022				2021
		(In thousands)								(In thousands)
Origination and servicing fees from third party receivables		$	1,408			$	–			$	2,252			$	–
Direct mail revenues			–				890				774				1,869
Convenience fee revenue			40				180				120				420
Recoveries on previously charged-off contracts			24				45				44				60
Sales tax refunds			159				118				303				289
Other			17				96				61				127
Other income for the period		$	1,648			$	1,329			$	3,554			$	2,765

Supplemental balance sheet information related to leases

Supplemental balance sheet information related to leases
		June 30,				December 31,
		2022				2021
		(In thousands)
Operating Leases
Operating lease right-of-use assets		$	25,819			$	25,819
Less: Accumulated amortization right-of-use assets			(20,296	)			(17,624	)
Operating lease right-of-use assets, net		$	5,523			$	8,195
Operating lease liabilities		$	(6,213	)		$	(9,058	)
Finance Leases
Property and equipment, at cost		$	3,407			$	3,407
Less: Accumulated depreciation			(2,853	)			(2,348	)
Property and equipment, net		$	554			$	1,059
Finance lease liabilities		$	(597	)		$	(1,124	)
Weighted Average Discount Rate
Operating lease			5.0%				5.0%
Finance lease			6.5%				6.5%

Schedule of maturities of lease liabilities

Schedule of maturities of lease liabilities
Maturities of lease liabilities were as follows:
(In thousands)		Operating				Finance
Year Ending June 30,		Lease				Lease
2022		$	2,738			$	495
2023			1,888				84
2024			920				26
2025			795				9
2026			501				–
Thereafter			1,160				–
Total undiscounted lease payments			8,002				614
Less amounts representing interest			(1,789	)			(17	)
Lease Liability		$	6,213			$	597

Lease information

Lease information
		Three Months Ended								Six Months Ended
		June 30,								June 30,
		2022				2021				2022				2021
		(In thousands)								(In thousands)
Operating lease cost		$	1,760			$	1,793			$	3,630			$	3,630
Finance lease cost			257				308				555				616
Total lease cost		$	2,017			$	2,101			$	4,185			$	4,246

Supplemental cash flow information related to leases

Supplemental cash flow information related to leases
		Three Months Ended								Six Months Ended
		June 30,								June 30,
		2022				2021				2022				2021
Cash paid for amounts included in the measurement of lease liabilities:		(In thousands)								(In thousands)
Operating cash flows from operating leases		$	1,907			$	1,892			$	3,965			$	3,822
Operating cash flows from finance leases			245				278				527				552
Financing cash flows from finance leases			12				30				28				65

Share-based payment arrangement option activity

Share-based payment arrangement option activity
										Weighted
										Average
		Number of				Weighted				Remaining
		Shares				Average				Contractual
		(in thousands)				Exercise Price				Term
Options outstanding at the beginning of period			13,075			$	4.54			N/A
Granted			1,710				10.28			N/A
Exercised			(2,895	)			4.98			N/A
Forfeited			(490	)			7.07			N/A
Options outstanding at the end of period			11,400			$	5.18			3.59 years
Options exercisable at the end of period			7,185			$	4.40			2.23 years

Schedule of stock options outstanding and exercisable

Schedule of stock options outstanding and exercisable
		Number of shares as of								Number of shares as of
		June 30, 2022								December 31, 2021
		Outstanding				Exercisable				Outstanding				Exercisable
Range of exercise prices:		(In thousands)								(In thousands)
$0.95 - $1.99			32				32				577				577
$2.00 - $2.99			1,453				783				1,517				489
$3.00 - $3.99			3,952				3,367				4,285				3,382
$4.00 - $4.99			2,745				1,495				2,870				1,410
$5.00 - $5.99			–				–				–				–
$6.00 - $6.99			753				753				2,651				2,652
$7.00 - $7.99			755				755				1,175				1,175
$8.00 - $11.00			1,710				–				–				–
Total shares			11,400				7,185				13,075				9,685

Schedule of purchases of company stock

Schedule of purchases of company stock
		Six Months Ended
		June 30, 2022								June 30, 2021
		Shares				Avg. Price				Shares				Avg. Price
Open market purchases			1,938,637			$	11.42				301,088			$	4.18
Shares redeemed upon net exercise of stock options			893,153				13.56				56,983				4.47
Total stock purchases			2,831,790			$	12.09				358,071			$	4.42

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