UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $) In Thousands, unless otherwise specified	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
Cash flows from operating activities:
Net income (loss)	$ 4,580	$ (14,695)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Accretion of deferred acquisition fees	(11,370)	(6,968)
Accretion of purchase discount on receivables measured at fair value	(7,272)	0
Amortization of discount on securitization notes	1,371	5,772
Amortization of discount on senior secured debt, related party	2,308	2,164
Accretion of premium on debt secured by receivables measured at fair value	5,552	0
Mark to fair value on debt secured by receivables measured at fair value	(1,824)	435
Mark to fair value of receivables measured at fair value	1,953	50
Depreciation and amortization	401	495
Amortization of deferred financing costs	3,952	2,603
Provision for credit losses	22,012	12,034
Stock-based compensation expense	801	1,289
Interest income on residual assets	(458)	(378)
Changes in assets and liabilities:
Accrued interest receivable	(2,387)	906
Other assets	1,350	(1,440)
Accounts payable and accrued expenses	(4,540)	1,942
Net cash provided by operating activities	16,429	4,209
Cash flows from investing activities:
Purchases of finance receivables held for investment	(400,908)	(192,016)
Proceeds received on finance receivables held for investment	318,260	258,748
Purchase of finance receivables portfolio	0	(199,554)
Change in repossessions in inventory	(221)	314
Decreases (Increases) in restricted cash and equivalents	51,988	(4,962)
Purchase of furniture and equipment	(326)	(327)
Net cash provided by (used in) investing activities	(31,207)	(137,797)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	443,500	220,124
Proceeds from issuance of subordinated renewable notes	2,609	3,191
Proceeds from issuance of senior secured debt, related party	0	7,460
Proceeds from portfolio acquisition financing	0	196,473
Payments on subordinated renewable notes	(1,834)	(2,648)
Net proceeds from (repayments to) warehouse lines of credit	(4,995)	(27,927)
Proceeds from (repayments of) residual interest financing debt	(8,111)	(13,878)
Repayment of securitization trust debt	(306,540)	(250,423)
Repayment of portfolio acquisition facility	(97,703)	0
Repayment of senior secured debt, related party	(6,200)	(1,000)
Payment of financing costs	(5,638)	(4,395)
Repurchase of common stock	(435)	(262)
Exercises of options and warrants	499	0
Net cash used in financing activities	15,152	126,715
Increase (decrease) in cash and cash equivalents	374	(6,873)
Cash and cash equivalents at beginning of period	10,094	16,252
Cash and cash equivalents at end of period	10,468	9,379
Cash paid (received) during the period for:
Interest	63,258	46,347
Income taxes	963	147
Non-cash financing activities:
Derivative warrants reclassified from liabilities to common stock upon amendment	$ 1,307	$ 0