UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Cash flows from operating activities:
Net income	$ 9,262	$ 27,777
Adjustments to reconcile net income to net cash provided by operating activities:
Net interest income accretion on fair value receivables	106,648	94,305
Depreciation and amortization	436	442
Amortization of deferred financing costs	5,043	4,800
Mark to finance receivables measured at fair value	(10,500)	0
Provision for credit losses	(3,585)	(18,700)
Stock-based compensation expense	1,641	1,817
Changes in assets and liabilities:
Deferred tax assets, net	1,318	2,810
Other assets	(18,116)	5,447
Accounts payable and accrued expenses	3,849	1,963
Net cash provided by operating activities	95,996	120,661
Cash flows from investing activities:
Payments received on finance receivables held for investment	16,239	42,892
Purchases of finance receivables measured at fair value	(753,760)	(658,048)
Payments received on finance receivables at fair value	419,899	421,940
Change in repossessions held in inventory	61	223
Purchase of furniture and equipment	(256)	(66)
Net cash used in investing activities	(317,817)	(193,059)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	1,037,105	657,653
Proceeds from issuance of subordinated renewable notes	5,489	0
Payments on subordinated renewable notes	(321)	(4,059)
Net proceeds from (repayments of) warehouse lines of credit	(150,659)	(41,031)
Net Proceeds from (repayment of) residual interest financing debt	50,000	0
Repayment of securitization trust debt	(563,679)	(540,958)
Payment of financing costs	(9,677)	(4,066)
Purchase of common stock	(11,172)	(18,464)
Exercise of options and warrants	5,915	15,678
Net cash provided by financing activities	363,001	64,753
Increase in cash and cash equivalents	141,180	(7,645)
Cash and restricted cash at beginning of period	125,431	162,789
Cash and restricted cash at end of period	266,611	155,144
Supplemental disclosure of cash flow information:
Interest	83,091	62,612
Income taxes	9,245	4,639
Non-cash financing activities:
Right-of-use asset, net	(22,256)	(5,023)
Lease liability	23,565	5,373
Deferred office rent	$ (1,309)	$ (350)