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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
6 Months Ended
Oct. 31, 2017
Oct. 31, 2016
Net income $ 12,961,000 $ 12,127,000
Adjustments to reconcile net income to net cash used in operating activities:    
Provision for credit losses 72,906,000 72,822,000
Losses on claims for payment protection plan 7,980,000 6,919,000
Depreciation and amortization 2,187,000 2,176,000
Amortization of debt issuance costs 125,000 140,000
Loss on disposal of property and equipment 104,000 399,000
Stock based compensation 988,000 783,000
Deferred income taxes 970,000 1,579,000
Excess tax benefit from share based compensation 784,000 (283,000)
Change in operating assets and liabilities:    
Finance receivable originations (239,007,000) (244,680,000)
Finance receivable collections 118,609,000 117,126,000
Accrued interest on finance receivables (236,000) (552,000)
Inventory 18,910,000 17,084,000
Prepaid expenses and other assets (343,000) (292,000)
Accounts payable and accrued liabilities 2,540,000 1,262,000
Income taxes, net (1,373,000) 1,841,000
Net cash used in operating activities (1,154,000) (9,942,000)
Investing Activities:    
Purchase of property and equipment (958,000) (875,000)
Proceeds from sale of property and equipment 23,000 4,000
Net cash used in investing activities (935,000) (871,000)
Financing Activities:    
Exercise of stock options 3,000 860,000
Excess tax benefit from share based compensation 283,000
Issuance of common stock 58,000 74,000
Purchase of common stock (20,088,000) (8,059,000)
Dividend payments (20,000) (20,000)
Change in cash overdrafts 2,179,000 589,000
Debt issuance costs (153,000) 0
Payments on note payable (54,000) (51,000)
Proceeds from revolving credit facilities 203,664,000 192,542,000
Payments on revolving credit facilities (183,576,000) (175,837,000)
Net cash provided by financing activities 2,013,000 10,381,000
Decrease in cash and cash equivalents (76,000) (432,000)
Cash and cash equivalents, beginning of period 434,000 602,000
Cash and cash equivalents, end of period 358,000 170,000
Payment Protection Plan [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue 484,000 1,171,000
Service Contract [Member]    
Change in operating assets and liabilities:    
Increase (decrease) in deferred revenue $ 257,000 $ 436,000