UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOW - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Cash flows from operating activities:
Net income	$ 5,164	$ 10,792
Adjustments to reconcile net income to net cash provided by operating activities:
Accretion of deferred acquisition fees and origination costs	251	339
Net interest income accretion on fair value receivables	35,025	29,715
Depreciation and amortization	428	419
Amortization of deferred financing costs	1,873	2,097
Mark to fair value of finance receivables measured at fair value	4,417	10,350
Provision for credit losses	0	3,613
Stock-based compensation expense	408	487
Changes in assets and liabilities:
Accrued interest receivable	1,273	2,850
Deferred tax assets, net	1,009	(8,364)
Other assets	8,244	1,901
Accounts payable and accrued expenses	7,258	9,855
Net cash provided by operating activities	65,350	64,054
Cash flows from investing activities:
Payments received on finance receivables held for investment	73,480	94,535
Purchases of finance receivables measured at fair value	(205,459)	(265,282)
Payments received on finance receivables at fair value	156,020	109,558
Change in repossessions held in inventory	275	382
Purchase of furniture and equipment	(426)	(295)
Net cash provided by (used in) investing activities	23,890	(61,102)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	230,545	260,000
Proceeds from issuance of subordinated renewable notes	2,750	1,114
Payments on subordinated renewable notes	(333)	(326)
Net advances (repayments) of warehouse lines of credit	(48,256)	6,837
Repayment of residual interest financing debt	(4,979)	(1,658)
Repayment of securitization trust debt	(242,489)	(266,056)
Payment of financing costs	(1,572)	(1,674)
Purchase of common stock	(755)	0
Exercise of options and warrants	298	48
Net cash used in financing activities	(64,791)	(1,715)
Increase in cash and cash equivalents	24,449	1,237
Cash and restricted cash at beginning of period	144,152	140,832
Cash and restricted cash at end of period	168,601	142,069
Cash paid (received) during the period for:
Interest	19,252	24,739
Income taxes	$ (123)	$ (410)