UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Revenues:
Interest income	$ 72,582	$ 82,924	$ 227,271	$ 253,218
Mark to finance receivables measured at fair value	(3,152)	604	(23,051)	604
Other income	1,239	1,994	4,508	6,255
Total revenues	70,669	85,522	208,728	260,077
Expenses:
Employee costs	19,155	20,251	60,826	59,030
General and administrative	7,846	8,185	24,352	25,109
Interest	24,901	27,940	78,377	82,933
Provision for credit losses	7,400	19,874	14,113	64,319
Sales	3,202	4,407	10,710	13,877
Occupancy	1,838	1,760	5,362	5,745
Depreciation and amortization	438	276	1,344	789
Total operating expenses	64,780	82,693	195,084	251,802
Income before income tax expense (benefit)	5,889	2,829	13,644	8,275
Income tax expense (benefit)	2,121	991	(3,888)	2,898
Net income	$ 3,768	$ 1,838	$ 17,532	$ 5,377
Earnings per share:
Basic	$ 0.17	$ 0.08	$ 0.77	$ 0.24
Diluted	$ 0.16	$ 0.08	$ 0.74	$ 0.22
Number of shares used in computing earnings per share:
Basic	22,666	22,526	22,630	22,378
Diluted	23,908	24,066	23,825	24,102