UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Cash flows from operating activities:
Net income	$ 4,694	$ 4,590
Adjustments to reconcile net income to net cash provided by operating activities:
Net interest income accretion on fair value receivables	64,907	54,247
Depreciation and amortization	249	215
Amortization of deferred financing costs	2,865	(672)
Mark to finance receivables measured at fair value	(3,500)	(5,000)
Provision for credit losses	(979)	(1,635)
Stock-based compensation expense	717	832
Changes in assets and liabilities:
Deferred tax assets, net	184	251
Other assets	(407)	(16,702)
Accounts payable and accrued expenses	5,138	16,579
Net cash provided by operating activities	73,868	52,705
Cash flows from investing activities:
Payments received on finance receivables held for investment	3,106	9,428
Purchases of finance receivables measured at fair value	(449,602)	(328,893)
Payments received on finance receivables at fair value	252,856	210,935
Change in repossessions held in inventory	0	9
Purchase of furniture and equipment	(471)	(111)
Net cash used in investing activities	(194,111)	(108,632)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	442,420	280,924
Proceeds from issuance of subordinated renewable notes	1,603	5,489
Payments on subordinated renewable notes	(545)	(537)
Net proceeds from (repayments of) warehouse lines of credit	(45,811)	17,176
Net Proceeds from (repayment of) residual interest financing debt	65,000	50,000
Repayment of securitization trust debt	(292,997)	(268,710)
Payment of financing costs	(3,592)	(1,899)
Purchase of common stock	0	(1,697)
Exercise of options and warrants	246	705
Net cash provided by financing activities	166,324	81,451
Increase in cash and cash equivalents	46,081	25,524
Cash and restricted cash  at beginning of period	137,397	125,431
Cash and restricted cash at end of period	183,478	150,955
Cash paid during the period for:
Interest	51,507	42,145
Income taxes	$ (75)	$ 29