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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Cash flows from operating activities:    
Net income $ 14,344 $ 14,058
Adjustments to reconcile net income to net cash provided by operating activities:    
Net interest income accretion on fair value receivables 193,415 164,394
Depreciation and amortization 705 650
Amortization of deferred financing costs 9,317 7,740
Mark to finance receivables measured at fair value (6,500) (16,000)
Provision for credit losses (2,472) (4,579)
Stock-based compensation expense 1,862 2,368
Changes in assets and liabilities:    
Deferred tax assets, net 1,010 2,171
Other assets 4,682 (15,126)
Accounts payable and accrued expenses (3,114) 10,082
Net cash provided by operating activities 213,249 165,758
Cash flows from investing activities:    
Payments received on finance receivables held for investment 6,482 21,475
Purchases of finance receivables measured at fair value (1,275,701) (1,195,886)
Payments received on finance receivables at fair value 777,612 637,844
Change in repossessions held in inventory 0 88
Purchase of furniture and equipment (644) (356)
Net cash used in investing activities (492,251) (536,835)
Cash flows from financing activities:    
Proceeds from issuance of securitization trust debt 1,280,700 1,453,921
Proceeds from issuance of subordinated renewable notes 4,013 8,784
Payments on subordinated renewable notes (1,913) (1,684)
Net proceeds from (repayments of) warehouse lines of credit (72,297) (125,566)
Net Proceeds from (repayment of) residual interest financing debt 51,110 50,000
Repayment of securitization trust debt (957,621) (840,480)
Payment of financing costs (9,082) (14,274)
Purchase of common stock (6,119) (12,828)
Exercise of options and warrants 4,708 6,825
Net cash provided by financing activities 293,499 524,698
Increase in cash and cash equivalents 14,497 153,621
Cash and restricted cash at beginning of period 137,397 125,431
Cash and restricted cash at end of period 151,894 279,052
Cash paid during the period for:    
Interest 162,493 129,335
Income taxes $ 6,729 $ 9,552