UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Cash flows from operating activities:
Net income	$ 46,435	$ 14,877
Adjustments to reconcile net income to net cash provided by operating activities:
Accretion of deferred acquisition fees and origination costs	0	651
Net interest income accretion on fair value receivables	60,766	66,812
Depreciation and amortization	802	845
Amortization of deferred financing costs	3,628	3,598
Mark to finance receivables measured at fair value	(7,100)	4,417
Provision for credit losses	(17,400)	0
Stock-based compensation expense	1,518	735
Changes in assets and liabilities:
Accrued interest receivable	886	1,416
Deferred tax assets, net	2,052	1,381
Other assets	9,316	8,644
Accounts payable and accrued expenses	18,767	9,030
Net cash provided by operating activities	119,670	112,406
Cash flows from investing activities:
Payments received on finance receivables held for investment	80,246	142,464
Purchases of finance receivables measured at fair value	(904,475)	(485,117)
Payments received on finance receivables at fair value	425,774	355,439
Change in repossessions held in inventory	1,087	982
Purchase of furniture and equipment	(1,028)	(1,024)
Net cash provided by (used in) investing activities	(398,396)	12,744
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	712,400	470,545
Proceeds from issuance of subordinated renewable notes	2,682	5,684
Payments on subordinated renewable notes	(1,933)	(1,002)
Net proceeds from (repayments of) warehouse lines of credit	124,606	(42,560)
Net proceeds from (repayment of) residual interest financing debt	(4,311)	42,332
Repayment of securitization trust debt	(536,824)	(541,065)
Payment of financing costs	(6,204)	(3,872)
Purchase of common stock	(34,285)	(1,582)
Exercise of options and warrants	14,416	1,125
Net cash provided by (used in) financing activities	270,547	(70,395)
Increase (decrease) in cash and cash equivalents	(8,179)	54,755
Cash and restricted cash  at beginning of period	176,548	144,152
Cash and restricted cash at end of period	168,369	198,907
Cash paid (received) during the period for:
Interest	30,809	36,665
Income taxes	$ 4,796	$ 2,962