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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Cash flows from operating activities:    
Net income $ 4,590 $ 13,823
Adjustments to reconcile net income to net cash provided by operating activities:    
Net interest income accretion on fair value receivables 54,247 47,472
Depreciation and amortization 215 231
Amortization of deferred financing costs (672) 2,403
Mark to finance receivables measured at fair value (5,000) 0
Provision for credit losses (1,635) (9,000)
Stock-based compensation expense 832 912
Changes in assets and liabilities:    
Deferred tax assets, net 251 385
Other assets (16,702) 4,511
Accounts payable and accrued expenses 16,579 4,404
Net cash provided by operating activities 52,705 65,141
Cash flows from investing activities:    
Payments received on finance receivables held for investment 9,428 24,746
Purchases of finance receivables measured at fair value (328,893) (352,598)
Payments received on finance receivables at fair value 210,935 206,626
Change in repossessions held in inventory 9 101
Purchase of furniture and equipment (111) (34)
Net cash used in investing activities (108,632) (121,159)
Cash flows from financing activities:    
Proceeds from issuance of securitization trust debt 280,924 324,768
Proceeds from issuance of subordinated renewable notes 5,489 0
Payments on subordinated renewable notes (537) (1,820)
Net proceeds from (repayments of) warehouse lines of credit 17,176 (7)
Net Proceeds from (repayment of) residual interest financing debt 50,000 0
Repayment of securitization trust debt (268,710) (258,224)
Payment of financing costs (1,899) (2,072)
Purchase of common stock (1,697) (7,293)
Exercise of options and warrants 705 6,960
Net cash provided by financing activities 81,451 62,312
Increase in cash and cash equivalents 25,524 6,294
Cash and restricted cash  at beginning of period 125,431 162,789
Cash and restricted cash at end of period 150,955 169,083
Supplemental disclosure of cash flow information:    
Interest 42,145 29,658
Income taxes 29 25
Non-cash financing activities:    
Right-of-use asset, net (23,267) (3,013)
Lease liability 23,782 3,313
Deferred office rent $ (515) $ (300)