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Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)
6 Months Ended
Oct. 31, 2014
Oct. 31, 2013
Net income $ 14,779,000 $ 13,346,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 59,247,000 54,826,000
Losses on claims for payment protection plan 4,764,000 4,060,000
Depreciation and amortization 1,847,000 1,572,000
Amortization of debt issuance costs 93,000 118,000
Loss on disposal of property and equipment 20,000 39,000
Stock based compensation 412,000 890,000
Deferred income taxes 2,402,000 543,000
Change in operating assets and liabilities:    
Finance receivable originations (222,024,000) (203,688,000)
Finance receivable collections 111,000,000 102,986,000
Accrued interest on finance receivables 3,000 (161,000)
Inventory 18,937,000 24,375,000
Prepaid expenses and other assets (353,000) (455,000)
Accounts payable and accrued liabilities 3,362,000 (633,000)
Income taxes, net 1,064,000 2,188,000
Excess tax benefit from share based compensation (544,000) (14,000)
Net cash provided by operating activities 553,000 1,170,000
Investing Activities:    
Purchase of property and equipment (1,863,000) (3,979,000)
Proceeds from sale of property and equipment 20,000 2,000
Net cash used in investing activities (1,843,000) (3,977,000)
Financing Activities:    
Exercise of stock options and warrants 1,545,000 105,000
Excess tax benefit from share based compensation 544,000 14,000
Issuance of common stock 78,000 79,000
Purchase of common stock (10,277,000) (531,000)
Dividend payments (20,000) (20,000)
Debt issuance costs (250,000) (200,000)
Change in cash overdrafts (77,000) 1,142,000
Proceeds from revolving credit facilities 178,690,000 151,577,000
Payments on revolving credit facilities (168,975,000) (149,290,000)
Net cash provided by financing activities 1,258,000 2,876,000
(Decrease) increase in cash and cash equivalents (32,000) 69,000
Cash and cash equivalents, beginning of period 289,000 272,000
Cash and cash equivalents, end of period 257,000 341,000
Payment Protection Plan [Member]
   
Change in operating assets and liabilities:    
Increase (Decrease) in Deferred Revenue 1,143,000 544,000
Service Contract [Member]
   
Change in operating assets and liabilities:    
Increase (Decrease) in Deferred Revenue $ 4,401,000 $ 634,000