UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Cash flows from operating activities:
Net income	$ 17,532	$ 5,377
Adjustments to reconcile net income to net cash provided by operating activities:
Accretion of deferred acquisition fees and origination costs	910	1,374
Net interest income accretion on fair value receivables	98,060	64,131
Depreciation and amortization	1,344	789
Amortization of deferred financing costs	6,128	6,226
Mark to finance receivables measured at fair value	23,051	(604)
Provision for credit losses	14,113	64,319
Stock-based compensation expense	1,437	1,496
Changes in assets and liabilities:
Accrued interest receivable	5,354	19,240
Deferred tax assets, net	18,985	3,063
Other assets	1,673	2,708
Accounts payable and accrued expenses	1,979	1,870
Net cash provided by operating activities	190,566	169,989
Cash flows from investing activities:
Payments received on finance receivables held for investment	260,804	379,365
Purchases of finance receivables measured at fair value	(572,938)	(756,555)
Payments received on finance receivables at fair value	354,910	200,889
Change in repossessions held in inventory	3,435	(733)
Purchase of furniture and equipment	(820)	(654)
Net cash provided by (used in) investing activities	45,391	(177,688)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	714,543	726,188
Proceeds from issuance of subordinated renewable notes	5,120	1,452
Payments on subordinated renewable notes	(2,412)	(3,213)
Net advances (repayments) of warehouse lines of credit	(104,685)	20,914
Repayment of residual interest financing debt	(7,757)	0
Repayment of securitization trust debt	(764,075)	(723,205)
Payment of financing costs	(4,861)	(6,099)
Purchase of common stock	(967)	(1,440)
Exercise of options and warrants	470	347
Net cash provided by (used in) financing activities	(164,624)	14,944
Increase in cash and cash equivalents	71,333	7,245
Cash and restricted cash at beginning of period	140,832	130,110
Cash and restricted cash at end of period	212,165	137,355
Cash paid (received) during the period for:
Interest	72,565	76,269
Income taxes	(17,561)	(3,231)
Non-cash financing activities:
Right-of-use asset, net	0	(21,869)
Lease liability	0	23,327
Deferred office rent	$ 0	$ (1,458)