CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOW (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Net income (loss)	$ 512	$ (4,206)
Accretion of deferred acquisition fees	(3,335)	(1,999)
Accretion of purchase discount on receivables measured at fair value	(4,163)
Amortization of discount on securitization notes	592	949
Amortization of discount on senior secured debt, related party	826	610
Accretion of premium on debt secured by receivables measured at fair value	2,980
Mark to fair value on debt secured by receivables measured at fair value	2,400
Mark to fair value of receivables measured at fair value	(1,510)
Depreciation and amortization	152	164
Amortization of deferred financing costs	1,477	1,109
Provision for credit losses	4,836	3,692
Stock-based compensation expense	293	371
Interest income on residual assets	(198)	(144)
Accrued interest receivable	52	886
Other assets	526	925
Accounts payable and accrued expenses	(982)	1,123
Net cash provided by operating activities	4,458	3,480
Purchases of finance receivables held for investment	(119,902)	(50,036)
Proceeds received on finance receivables held for investment	119,935	93,830
Change in repossessions in inventory	258	(1,754)
Decreases (Increases) in restricted cash and equivalents	27,685	(7,164)
Purchase of furniture and equipment	(30)	(20)
Net cash provided by investing activities	27,946	34,856
Proceeds from issuance of securitization trust debt	155,000
Proceeds from issuance of subordinated renewable notes	638	375
Proceeds from issuance of senior secured debt, related party		4,660
Payments on subordinated renewable notes	(647)	(503)
Net proceeds from (repayments to) warehouse lines of credit	3,536	35,462
Proceeds from (repayments of) residual interest financing debt	(3,869)	(4,616)
Repayment of securitization trust debt	(138,979)	(79,406)
Repayment of portfolio acquisition facility	(39,191)
Repayment of senior secured debt, related party	(5,600)
Payment of financing costs	(2,540)	(1,325)
Repurchase of common stock	(244)	(8)
Exercises of options and warrants	12
Net cash provided by (used in) financing activities	(31,884)	(45,361)
Increase (decrease) in cash and cash equivalents	520	(7,025)
Cash and cash equivalents at beginning of period	10,094	16,252
Cash and cash equivalents at end of period	10,614	9,227
Interest	22,181	16,290
Income taxes	147
Derivative warrants reclassified from liabilities to common stock upon amendment	$ 1,056