v3.26.1
Finance Receivables, Net - Loan Modifications (Details) - USD ($)
$ in Thousands
 3 Months Ended
Jul. 31, 2026
Jul. 31, 2025
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Principal Balance $ 148,929 $ 194,940
Financing receivables (in percent) 12.50% 12.90%
Term extension    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Principal Balance $ 145,631 $ 192,122
Financing receivables (in percent) 12.20% 12.70%
Weighted average term increase from modification 1 month 9 days 1 month 12 days
Term extension | Current    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Principal Balance $ 109,743 $ 143,015
Term extension | 3-29 Days Past Due    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Principal Balance 31,079 42,693
Term extension | 30 - 60 days past due    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Principal Balance 4,521 5,745
Term extension | 61 - 90 days past due    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Principal Balance 288 669
Term extension | 90+ Days Past Due    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Principal Balance 0 0
Combination    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Principal Balance $ 3,298 $ 2,818
Financing receivables (in percent) 0.30% 0.20%
Weighted average term increase from modification 20 months 24 days 22 months 27 days
Interest rate decrease from modification 9.30% 8.10%
Combination | 3-29 Days Past Due    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Principal Balance $ 994 $ 772
Combination | 30 - 60 days past due    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Principal Balance 696 753
Combination | 61 - 90 days past due    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Principal Balance 810 605
Combination | 90+ Days Past Due    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Principal Balance $ 798 $ 688