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(1) Summary of Significant Accounting Policies (Tables)

9 Months Ended

Sep. 30, 2022

Accounting Policies [Abstract]

Schedule of other income

Schedule of other income
		Three Months Ended								Nine Months Ended
		September 30,								September 30,
		2022				2021				2022				2021
		(In thousands)								(In thousands)
Origination and servicing fees from third party receivables		$	2,016			$	495			$	4,268			$	611
Direct mail revenues			–				779				774				2,648
Convenience fee revenue			50				120				170				540
Recoveries on previously charged-off contracts			10				18				54				78
Sales tax refunds			209				134				512				423
Other			20				1				81				12
Other income for the period		$	2,305			$	1,547			$	5,859			$	4,312

Supplemental balance sheet information related to leases

Supplemental balance sheet information related to leases
		September 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			(21,599	)			(17,624	)
Operating lease right-of-use assets, net		$	4,220			$	8,195
			$
Operating lease liabilities		$	(4,749	)		$	(9,058	)
			$
Finance Leases			$
Property and equipment, at cost			3,407				3,407
Less: Accumulated depreciation			(3,086	)			(2,348	)
Property and equipment, net		$	321			$	1,059
			$
Finance lease liabilities		$	(348	)		$	(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
(In thousands)		Operating				Finance
Year Ending September 30,		Lease				Lease
2022		$	817			$	238
2023			1,888				84
2024			921				26
2025			794				9
2026			501				–
Thereafter			1,160				–
Total undiscounted lease payments			6,081				357
Less amounts representing interest			(1,332	)			(9	)
Lease Liability		$	4,749			$	348

Lease information

Lease information
		Three Months Ended								Nine Months Ended
		September 30,								September 30,
		2022				2021				2022				2021
		(In thousands)								(In thousands)
Operating lease cost		$	1,767			$	1,768			$	5,288			$	5,398
Finance lease cost			257				308				813				924
Total lease cost		$	2,024			$	2,076			$	6,101			$	6,322

Supplemental cash flow information related to leases

Supplemental cash flow information related to leases
		Three Months Ended								Nine Months Ended
		September 30,								September 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		$	1,921			$	1,840			$	5,616			$	5,662
Operating cash flows from finance leases		$	249			$	283			$	776			$	834
Financing cash flows from finance leases		$	8			$	25			$	36			$	90

Share-based payment arrangement option activity

Share-based payment arrangement option activity
										Weighted
		Number of				Weighted				Average
		Shares				Average				Remaining
		(in thousands)				Exercise Price				Contractual Term
Options outstanding at the beginning of period			13,075			$	4.54			N/A
Granted			1,710				10.28			N/A
Exercised			(2,975	)			4.94			N/A
Forfeited			(520	)			7.26			N/A
Options outstanding at the end of period			11,290			$	5.18			3.29 years
Options exercisable at the end of period			7,708			$	4.39			2.13 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
		September 30, 2022								December 31, 2021
		Outstanding				Exercisable				Outstanding				Exercisable
Range of exercise prices:		(In thousands)								(In thousands)
$0.95 - $1.99			–				–				577				577
$2.00 - $2.99			1,445				775				1,517				489
$3.00 - $3.99			3,933				3,638				4,285				3,382
$4.00 - $4.99			2,738				1,801				2,870				1,410
$5.00 - $5.99			–				–				–				–
$6.00 - $6.99			746				746				2,651				2,652
$7.00 - $7.99			748				748				1,175				1,175
$8.00 - $11.00			1,680				–				–				–
Total shares			11,290				7,708				13,075				9,685

Schedule of purchases of company stock

Schedule of purchases of company stock
		Nine Months Ended
		September 30, 2022								September 30, 2021
		Shares				Avg. Price				Shares				Avg. Price
Open market purchases			2,617,548			$	11.20				734,700			$	5.03
Shares redeemed upon net exercise of stock options			893,153				13.56				56,983				4.47
Total stock purchases			3,510,701			$	11.80				791,683			$	4.99

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