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Consolidated Statements of Cash Flows - USD ($)
12 Months Ended
Apr. 30, 2016
Apr. 30, 2015
Apr. 30, 2014
Payment Protection Plan [Member]      
Change in operating assets and liabilities:      
Increase (Decrease) in Deferred Revenue $ 1,653,000 $ 2,419,000 $ 323,000
Service Contract [Member]      
Change in operating assets and liabilities:      
Increase (Decrease) in Deferred Revenue 450,000 5,350,000 770,000
Net income 11,596,000 29,490,000 21,129,000
Provision for credit losses 144,397,000 120,289,000 119,247,000
Losses on claims for payment protection plan 13,521,000 10,588,000 9,586,000
Depreciation and amortization 4,208,000 3,830,000 3,285,000
Amortization of debt issuance costs 214,000 188,000 209,000
Loss on disposal of property and equipment 369,000 17,000 76,000
Stock-based compensation 1,519,000 780,000 1,391,000
Deferred income taxes (898,000) 3,934,000 (2,923,000)
Excess tax benefit from stock based compensation (238) (1,627) (141)
Finance receivable originations (460,499,000) (445,405,000) (404,918,000)
Finance receivable collections 248,166,000 238,845,000 223,538,000
Accrued interest on finance receivables 286,000 (172,000) (46,000)
Inventory 48,154,000 40,686,000 50,009,000
Prepaid expenses and other assets 284,000 (887,000) (1,298,000)
Accounts payable and accrued liabilities 1,115,000 3,862,000 (1,675,000)
Income taxes, net (11,000) 200,000 3,313,000
Net cash provided by operating activities 14,286,000 12,387,000 21,875,000
Investing Activities:      
Purchases of property and equipment (4,526,000) (4,009,000) (7,095,000)
Proceeds from sale of property and equipment 7,000 112,000 2,000
Net cash used in investing activities (4,519,000) (3,897,000) (7,093,000)
Financing Activities:      
Exercise of stock options and warrants 400,000 4,143,000 720,000
Excess tax benefits from stock based compensation 238,000 1,627,000 141,000
Issuance of common stock 186,000 146,000 151,000
Purchase of common stock (14,214,000) (20,020,000) (12,754,000)
Dividend payments (40,000) (40,000) (40,000)
Debt issuance costs 146,000 (256,000) (207,000)
Change in cash overdrafts (1,587,000) $ 502,000 $ (452,000)
Principal payments on notes payable (34,000)
Proceeds from revolving credit facilities 374,214,000 $ 377,225,000 $ 329,424,000
Payments on revolving credit facilities (369,264,000) (371,316,000) (331,748,000)
Net cash used in financing activities (9,955,000) (7,989,000) (14,765,000)
Increase (decrease) in cash and cash equivalents (188,000) 501,000 17,000
Cash and cash equivalents, beginning of period 790,000 289,000 272,000
Cash and cash equivalents, end of period $ 602,000 $ 790,000 $ 289,000