Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Jul. 31, 2023	Jul. 31, 2022
Net income	$ 4,186,000	$ 13,697,000
Adjustments to reconcile net income to net cashused in operating activities:
Provision for credit losses	96,323,000	76,241,000
Losses on claims for accident protection plan	7,769,000	6,108,000
Depreciation and amortization	1,693,000	1,151,000
Amortization of debt issuance costs	1,286,000	1,955,000
Loss on disposal of property and equipment	166,000	8,000
Impairment of fixed asset	12,000	0
Stock based compensation	2,451,000	1,978,000
Deferred income taxes	(3,217,000)	3,225,000
Excess tax benefit from share based compensation	130,000	206,000
Change in operating assets and liabilities:
Finance receivable originations	(297,732,000)	(287,416,000)
Loan origination costs	27,000	18,000
Finance receivable collections	109,291,000	103,879,000
Accrued interest on finance receivables	(642,000)	(106,000)
Inventory	23,953,000	(521,000)
Prepaid expenses and other assets	(1,571,000)	(2,013,000)
Accounts payable and accrued liabilities	1,413,000	6,900,000
Income taxes, net	3,987,000	396,000
Net cash used in operating activities	(45,399,000)	(60,402,000)
Investing Activities:
Purchase of property and equipment	(1,379,000)	(6,920,000)
Proceeds from sale of property and equipment	529,000	0
Net cash used in investing activities	(850,000)	(6,920,000)
Financing Activities:
Exercise of stock options	(455,000)	1,216,000
Issuance of common stock	78,000	85,000
Purchase of common stock	(68,000)	(5,196,000)
Dividend payments	(10,000)	(10,000)
Change in cash overdrafts	0	1,108,000
Debt issuance costs	(4,091,000)	(89,000)
Issuances of non-recourse notes payable	360,340,000	0
Payments on non-recourse notes payable	(116,862,000)	(74,532,000)
Proceeds from revolving line of credit	104,803,000	148,386,000
Payments on revolving line of credit	273,319,000	4,350,000
Net cash provided by financing activities	70,416,000	66,618,000
Increase (Decrease) in cash, cash equivalents, and restricted cash	24,167,000	(704,000)
Cash, cash equivalents, and restricted cash beginning of period	68,034,000	42,587,000
Cash, cash equivalents, and restricted cash end of period	92,201,000	41,883,000
Accident Protection Plan [Member]
Change in operating assets and liabilities:
Deferred accident protection plan revenue	1,651,000	6,570,000
Service Contract [Member]
Change in operating assets and liabilities:
Deferred accident protection plan revenue	$ 3,479,000	$ 7,358,000