UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2025	Jun. 30, 2024
Cash flows from operating activities:
Net income	$ 9,491	$ 9,262
Adjustments to reconcile net income to net cash provided by operating activities:
Net interest income accretion on fair value receivables	126,548	106,648
Depreciation and amortization	498	436
Amortization of deferred financing costs	6,021	5,043
Mark to finance receivables measured at fair value	(6,500)	(10,500)
Provision for credit losses	(1,760)	(3,585)
Stock-based compensation expense	1,361	1,641
Changes in assets and liabilities:
Deferred tax assets, net	1,010	1,318
Other assets	(6,118)	(18,116)
Accounts payable and accrued expenses	(2,223)	3,849
Net cash provided by operating activities	128,328	95,996
Cash flows from investing activities:
Payments received on finance receivables held for investment	5,076	16,239
Purchases of finance receivables measured at fair value	(882,879)	(753,760)
Payments received on finance receivables at fair value	517,569	419,899
Change in repossessions held in inventory	0	61
Purchase of furniture and equipment	(595)	(256)
Net cash used in investing activities	(360,829)	(317,817)
Cash flows from financing activities:
Proceeds from issuance of securitization trust debt	862,370	1,037,105
Proceeds from issuance of subordinated renewable notes	3,212	5,489
Payments on subordinated renewable notes	(873)	(321)
Net proceeds from (repayments of) warehouse lines of credit	(16,564)	(150,659)
Net Proceeds from (repayment of) residual interest financing debt	56,795	50,000
Repayment of securitization trust debt	(642,697)	(563,679)
Payment of financing costs	(6,450)	(9,677)
Purchase of common stock	(5,138)	(11,172)
Exercise of options and warrants	4,617	5,915
Net cash provided by financing activities	255,272	363,001
Increase in cash and cash equivalents	22,771	141,180
Cash and restricted cash  at beginning of period	137,397	125,431
Cash and restricted cash at end of period	160,168	266,611
Cash paid during the period for:
Interest	106,773	83,091
Income taxes	$ 5,306	$ 9,245