Atlanticus (ATLC) 10-Q 14 Nov 18 2018 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2018	Nov. 06, 2018
Document Information [Line Items]
Entity Registrant Name	Atlanticus Holdings Corp
Entity Central Index Key	1,464,343
Trading Symbol	atlc
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Current Reporting Status	Yes
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Common Stock, Shares Outstanding (in shares)		15,376,574
Document Type	10-Q
Document Period End Date	Sep. 30, 2018
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	Q3
Amendment Flag	false

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Assets
Unrestricted cash and cash equivalents	$ 29,296	$ 41,484
Restricted cash and cash equivalents	30,109	29,174
Loans and fees receivable:
Loans and fees receivable, at fair value	7,125	11,109
Loans and fees receivable, gross	480,891	393,898
Allowances for uncollectible loans and fees receivable	(68,258)	(62,970)
Deferred revenue	(40,615)	(36,956)
Net loans and fees receivable	379,143	305,081
Property at cost, net of depreciation	2,724	3,229
Investments in equity-method investees	2,852	4,244
Deposits	488	252
Prepaid expenses and other assets	16,113	42,149
Income tax asset	284
Total assets	461,009	425,613
Liabilities
Accounts payable and accrued expenses	107,254	115,737
Notes payable, at face value	293,298	226,238
Senior secured term loan	40,000	40,000
Notes payable associated with structured financings, at fair value	6,220	9,240
Convertible senior notes	61,975	61,393
Income tax liability		9,132
Total liabilities	508,747	461,740
Commitments and contingencies (Note 9)
Equity
Common stock, no par value, 150,000,000 shares authorized: 15,372,542 shares issued and outstanding (including 1,459,233 loaned shares to be returned) at September 30, 2018; and 15,291,884 shares issued and outstanding (including 1,459,233 loaned shares to be returned) at December 31, 2017
Additional paid-in capital	212,808	212,785
Accumulated other comprehensive loss	1,502	(2,178)
Retained deficit	(261,772)	(246,640)
Total shareholders’ equity	(47,462)	(36,033)
Noncontrolling interests	(276)	(94)
Total equity	(47,738)	(36,127)
Total liabilities and equity	$ 461,009	$ 425,613

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - $ / shares $ / shares in Thousands	Sep. 30, 2018	Dec. 31, 2017
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, authorized (in shares)	150,000,000	150,000,000
Common stock, issued (in shares)	15,372,542	15,291,884
Common stock, outstanding (in shares)	15,372,542	15,291,884
Own-share lending arrangement, outstanding (in shares)	1,459,233	1,459,233

Consolidated Statements of Oper

Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Interest income:
Consumer loans, including past due fees	$ 41,901	$ 28,985	$ 115,325	$ 81,457
Other	51	34	137	178
Total interest income	41,952	29,019	115,462	81,635
Interest expense	(9,281)	(7,268)	(26,241)	(19,504)
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable	32,671	21,751	89,221	62,131
Fees and related income on earning assets	9,536	4,166	22,844	10,938
Net recovery of (losses upon) charge off of loans and fees receivable recorded at fair value	(1,957)	2,393	(2,396)	10,763
Provision for loan losses	(32,798)	(24,087)	(65,265)	(50,484)
Net interest income, fees and related income on earning assets	7,452	4,223	44,404	33,348
Other operating income:
Servicing income	1,280		3,831
Other Income	898	590	2,185	939
Equity in income (loss) of equity-method investees	(49)	164	491	902
Total other operating income	1,231	1,788	4,322	4,825
Other operating expense:
Salaries and benefits	5,838	5,589	17,738	17,102
Card and loan servicing	9,286	8,394	27,378	23,078
Marketing and solicitation	3,649	2,930	8,088	9,544
Depreciation	234	236	698	789
Other	5,725	3,352	14,871	14,029
Total other operating expense	24,732	20,501	68,773	64,542
Loss before income taxes	(16,049)	(14,490)	(20,047)	(26,369)
Income tax benefit (expense)	(121)	22	4,733	3,847
Net loss	(16,170)	(14,468)	(15,314)	(22,522)
Net (income) loss attributable to noncontrolling interests	78	1	182	(1)
Net loss attributable to controlling interests	$ (16,092)	$ (14,467)	$ (15,132)	$ (22,523)
Net loss attributable to controlling interests per common share—basic (in dollars per share)	$ (1.16)	$ (1.04)	$ (1.09)	$ (1.61)
Net loss attributable to controlling interests per common share—diluted (in dollars per share)	$ (1.16)	$ (1.04)	$ (1.09)	$ (1.61)
Servicing Income [Member]
Other operating income:
Servicing income	$ 382	$ 1,034	$ 1,646	$ 2,984

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Loss (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Net loss	$ (16,170)	$ (14,468)	$ (15,314)	$ (22,522)
Other comprehensive income:
Foreign currency translation adjustment	1,154	(1,721)	3,680	(1,721)
Reclassifications of foreign currency translation adjustment to Other operating expense on the consolidated statements of operations
Income tax expense related to other comprehensive income		625		625
Comprehensive loss	(15,016)	(15,564)	(11,634)	(23,618)
Comprehensive loss (income) attributable to noncontrolling interests	78	1	182	(1)
Comprehensive loss attributable to controlling interests	$ (14,938)	$ (15,563)	$ (11,452)	$ (23,619)

Consolidated Statement of Share

Consolidated Statement of Shareholders' Deficit (Unaudited) - 9 months ended Sep. 30, 2018 - USD ($)	Common Stock [Member]	Additional Paid-in Capital [Member]	AOCI Attributable to Parent [Member]	Retained Earnings [Member]	Noncontrolling Interest [Member]	Total
Balance (in shares) at Dec. 31, 2017	15,291,884
Balance at Dec. 31, 2017		$ 212,785,000	$ (2,178,000)	$ (246,640,000)	$ (94,000)	$ (36,127,000)
Stock options exercises and proceeds related thereto (in shares)	14,000					14,000
Stock options exercises and proceeds related thereto		32,000				$ 32,000
Compensatory stock issuances, net of forfeitures (in shares)	346,177
Compensatory stock issuances, net of forfeitures
Amortization of deferred stock-based compensation costs		708,000				$ 708,000
Redemption and retirement of shares (in shares)	(279,519)					(279,519)
Redemption and retirement of shares		(717,000)				$ (717,000)
Other comprehensive income (loss)			3,680,000	(15,132,000)	(182,000)	(11,634,000)
Balance (in shares) at Sep. 30, 2018	15,372,542
Balance at Sep. 30, 2018		$ 212,808,000	$ 1,502,000	$ (261,772,000)	$ (276,000)	$ (47,738,000)

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017
Operating activities
Net loss	$ (15,314)	$ (22,522)
Adjustments to reconcile net loss to net cash used in operating activities:
Depreciation, amortization and accretion, net	698	789
(Net recovery of) losses upon charge off of loans and fees receivable recorded at fair value	2,396	(10,763)
Provision for losses on loans and fees receivable	65,265	50,484
Interest expense from accretion of discount on notes	661	592
Income from accretion of discount associated with receivables purchases	(55,445)	(41,961)
Unrealized gain on loans and fees receivable and underlying notes payable held at fair value	(5,617)	(4,504)
Amortization of deferred loan costs	1,131	628
Income from equity-method investments	(491)	(902)
Changes in assets and liabilities:
(Increase) decrease in uncollected fees on earning assets	(6,744)	12,206
Decrease in income tax liability	(9,417)	(4,084)
(Increase) decrease in deposits	(237)	199
(Decrease) increase in accounts payable and accrued expenses	(5,680)	21,846
Other	27,143	(14,023)
Net cash used in operating activities	(1,651)	(12,015)
Investing activities
Proceeds from equity-method investees	1,883	2,882
Investments in earning assets	(429,899)	(335,664)
Proceeds from earning assets	352,948	282,064
Purchases and development of property, net of disposals	(193)	(229)
Net cash used in investing activities	(75,261)	(50,947)
Financing activities
Noncontrolling interests contributions, net		7
Proceeds from exercise of stock options	32
Purchase and retirement of outstanding stock	(717)	(286)
Proceeds from borrowings	337,565	243,945
Repayment of borrowings	(271,715)	(176,417)
Net cash provided by financing activities	65,165	67,249
Effect of exchange rate changes on cash	494	313
Net (decrease) increase in cash and cash equivalents	(11,253)	4,600
Cash and cash equivalents at beginning of period	70,658	92,641
Cash and cash equivalents at end of period	59,405	97,241
Supplemental cash flow information
Cash paid for interest	25,528	19,214
Net cash income tax payments	4,684	238
Supplemental non-cash information
Issuance of stock options and restricted stock	678	1,364
Notes payable associated with capital leases

Note 1 - Description of Our Bus

Note 1 - Description of Our Business	9 Months Ended
	Sep. 30, 2018
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	1. Description of Our Business Our accompanying consolidated financial statements include the accounts of Atlanticus Holdings Corporation (the “Company”) and those entities we control. We are primarily focused on providing financial technology and related services. Through our subsidiaries, we provide technology and other support services to lenders who offer an array of financial products and services to consumers who may two 3, Within our Credit and Other Investments segment, we facilitate consumer finance programs offered by our bank partners to originate consumer loans through multiple channels, including retail point-of-sale, direct mail solicitation, on-line and through partner relationships. In the retail credit (the “point-of-sale” operations) channel, we partner with retailers and service providers in various industries across the United States (“U.S.”) to enable them to provide credit to their customers for the purchase of goods and services. These services of our lending partners are often extended to consumers who may third third Beyond these activities within our Credit and Other Investments segment, we continue to service portfolios of historical credit card receivables. One of our historical portfolios of credit card receivables is encumbered by non-recourse structured financing, and for this portfolio our principal remaining economic interest is the servicing compensation we receive as an offset against our servicing costs given that the likely future collections on the portfolio are insufficient to allow for full repayment of the financing. Additionally, we report within our Credit and Other Investments segment: 1 2 None no Within our Auto Finance segment, our CAR subsidiary operations principally purchase and/or service loans secured by automobiles from or for, and also provide floor plan financing for, a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here, used car business. We purchase auto loans at a discount and with dealer retentions or holdbacks that provide risk protection. Also within our Auto Finance segment, we are providing certain installment lending products in addition to our traditional loans secured by automobiles.

Note 2 - Significant Accounting

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components	9 Months Ended
	Sep. 30, 2018
Notes to Financial Statements
Significant Accounting Policies [Text Block]	2. Significant Accounting Policies and Consolidated Financial Statement Components The following is a summary of significant accounting policies we follow in preparing our consolidated financial statements, as well as a description of significant components of our consolidated financial statements. Basis of Presentation and Use of Estimates We prepare our consolidated financial statements in accordance with generally accepted accounting principles in the U.S. (“GAAP”). The preparation of financial statements in accordance with GAAP requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of our consolidated financial statements, as well as the reported amounts of revenues and expenses during each reporting period. We base these estimates on information available to us as of the date of the financial statements. Actual results could differ materially from these estimates. Certain estimates, such as credit losses, payment rates, costs of funds, discount rates and the yields earned on credit card receivables, significantly affect the reported amount of credit card receivables that we report at fair value and our notes payable associated with structured financings, at fair value; these estimates likewise affect the changes in these amounts reflected within our fees and related income on earning assets line item on our consolidated statements of operations. Additionally, estimates of future credit losses have a significant effect on loans and fees receivable, net, as shown on our consolidated balance sheets, as well as on the provision for losses on loans and fees receivable within our consolidated statements of operations. We have eliminated all significant intercompany balances and transactions for financial reporting purposes. Loans and Fees Receivable Our loans and fees receivable include loans and fees receivable, at fair value and loans and fees receivable, gross. We show both an allowance for uncollectible loans and fees receivable and unearned fees (or “deferred revenue”) for our loans and fees receivable (i.e., as opposed to those carried at fair value). Our loans and fees receivable consist of smaller-balance, homogeneous loans, divided into two may may may As of September 30, 2018 December 31, 2017, $40.6 $37.0 12 11 A roll-forward (in millions) of our allowance for uncollectible loans and fees receivable by class of receivable is as follows: For the three months ended September 30, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at beginning of period $ (19.9 ) $ (1.5 ) $ (33.4 ) $ (54.8 ) Provision for loan losses (14.0 ) 0.3 (19.1 ) (32.8 ) Charge offs 7.4 0.4 13.1 20.9 Recoveries (0.2 ) (0.2 ) (1.2 ) (1.6 ) Balance at end of period $ (26.7 ) $ (1.0 ) $ (40.6 ) $ (68.3 ) For the nine months ended September 30, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at beginning of period $ (18.2 ) $ (2.3 ) $ (42.5 ) $ (63.0 ) Provision for loan losses (29.1 ) 0.6 (36.8 ) (65.3 ) Charge offs 20.9 1.4 42.3 64.6 Recoveries (0.3 ) (0.7 ) (3.6 ) (4.6 ) Balance at end of period $ (26.7 ) $ (1.0 ) $ (40.6 ) $ (68.3 ) As of September 30, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.1 ) $ — $ (0.1 ) Balance at end of period collectively evaluated for impairment $ (26.7 ) $ (0.9 ) $ (40.6 ) $ (68.2 ) Loans and fees receivable: Loans and fees receivable, gross $ 146.8 $ 85.3 $ 248.8 $ 480.9 Loans and fees receivable individually evaluated for impairment $ — $ 0.2 $ 0.1 $ 0.3 Loans and fees receivable collectively evaluated for impairment $ 146.8 $ 85.1 $ 248.7 $ 480.6 For the three months ended September 30, 2017 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at beginning of period $ (3.2 ) $ (2.0 ) $ (36.0 ) $ (41.2 ) Provision for loan losses (6.2 ) (0.2 ) (17.7 ) (24.1 ) Charge offs 0.7 0.5 13.2 14.4 Recoveries (0.1 ) (0.3 ) (0.8 ) (1.2 ) Balance at end of period $ (8.8 ) $ (2.0 ) $ (41.3 ) $ (52.1 ) For the nine months ended September 30, 2017 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at beginning of period $ (1.4 ) $ (2.1 ) $ (39.8 ) $ (43.3 ) Provision for loan losses (8.1 ) (1.0 ) (41.4 ) (50.5 ) Charge offs 1.9 2.1 42.2 46.2 Recoveries (1.2 ) (1.0 ) (2.3 ) (4.5 ) Balance at end of period $ (8.8 ) $ (2.0 ) $ (41.3 ) $ (52.1 ) As of December 31, 2017 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.2 ) $ (0.2 ) $ (0.4 ) Balance at end of period collectively evaluated for impairment $ (18.2 ) $ (2.1 ) $ (42.3 ) $ (62.6 ) Loans and fees receivable: Loans and fees receivable, gross $ 87.2 $ 77.8 $ 228.9 $ 393.9 Loans and fees receivable individually evaluated for impairment $ — $ 0.4 $ 0.2 $ 0.6 Loans and fees receivable collectively evaluated for impairment $ 87.2 $ 77.4 $ 228.7 $ 393.3 An aging of our delinquent loans and fees receivable, gross (in millions) by class of receivable as of September 30, 2018 December 31, 2017 As of September 30, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 4.6 $ 7.6 $ 9.0 $ 21.2 60-89 days past due 4.1 2.2 7.6 13.9 90 or more days past due 9.1 1.5 16.7 27.3 Delinquent loans and fees receivable, gross 17.8 11.3 33.3 62.4 Current loans and fees receivable, gross 129.0 74.0 215.5 418.5 Total loans and fees receivable, gross $ 146.8 $ 85.3 $ 248.8 $ 480.9 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.3 $ — $ 1.3 As of December 31, 2017 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 3.2 $ 6.4 $ 9.0 $ 18.6 60-89 days past due 3.3 2.1 7.1 12.5 90 or more days past due 4.9 1.9 15.7 22.5 Delinquent loans and fees receivable, gross 11.4 10.4 31.8 53.6 Current loans and fees receivable, gross 75.8 67.4 197.1 340.3 Total loans and fees receivable, gross $ 87.2 $ 77.8 $ 228.9 $ 393.9 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.6 $ — $ 1.6 Troubled Debt Restructurings. 90 “APR”) not one The following table details by class of receivable, the number and amount of modified loans, including TDRs that have been re-aged, as of September 30, 2018 December 31, 2017: As of September 30, 2018 December 31, 2017 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts on non-accrual status 13,477 10,041 11,432 6,681 Number of accounts on non-accrual status above that have been re-aged 1,359 504 915 80 Amount of receivables on non-accrual status (in thousands) $ 19,352 $ 10,858 $ 17,169 $ 7,067 Amount of receivables on non-accrual status above that have been re-aged (in thousands) $ 2,541 $ 524 $ 1,570 $ 86 Carrying value of receivables on non-accrual status (in thousands) $ 5,425 $ 1,889 $ 4,247 $ 1,173 TDRs - Performing (carrying value, in thousands)* $ 3,306 $ 1,129 $ 2,368 $ 508 TDRs - Nonperforming (carrying value, in thousands)* $ 2,119 $ 760 $ 1,879 $ 665 *“TDRs - Performing” include accounts that are current on all amounts owed, while “TDRs - Nonperforming” include all accounts with past due amounts owed. Given that the above TDRs have a high reserve rate prior to modification as TDRs, we do not The following table details by class of receivable, the number of accounts and carrying value of loans that completed a modification (including those that were classified as TDRs) within the prior twelve Twelve Months Ended September 30, 2018 September 30, 2017 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 6,027 3,088 5,400 1,003 Loan balance at time of charge off (in thousands) $ 7,385 $ 2,633 $ 5,113 $ 1,581 Prepaid Expenses and Other Assets Prepaid expenses and other assets include amounts paid to third third 1 2 third $5.2 September 30, 2018, ( 3 4 Accounts Payable and Accrued Expenses Accounts payable and accrued expenses reflect both the billed and unbilled amounts owed at the end of a period for services rendered. Also included within accounts payable and accrued expenses are amounts which may one Income Taxes We experienced a negative effective income tax expense rate of 0.8% three September 30, 2018, 23.6% nine September 30, 2018; 0.2% 14.6% three nine September 30, 2017, three September 30, 2018 1 2 3 nine September 30, 2018, 1 2 3 2008 2008 three nine September 30, 2017 1 2 We report income tax-related interest and penalties (including those associated with both our accrued liabilities for uncertain tax positions and unpaid tax liabilities) within our income tax benefit or expense line item on our consolidated statements of operations. We likewise report the reversal of income tax-related interest and penalties within such line item to the extent that we resolve our liabilities for uncertain tax positions or unpaid tax liabilities in a manner favorable to our accruals therefor. During the three nine September 30, 2018, $0.2 $0.6 June 2018, 2008 2008 nine September 30, 2018, $1.6 not June 2018 In December 2014, 2007 2008 2003. March 31, 2018 ( June 2018 December 2014 $7.4 $4.3 March 31, 2018. $7.4 December 2014 June 2018 $7.4 $3.7 July 2018, $5.4 $3.7 three September 30, 2018, $0.5 $5.4 Revenue Recognition and Revenue from Contracts with Customers Consumer Loans, Including Past Due Fees Consumer loans, including past due fees reflect interest income, including finance charges, and late fees on loans in accordance with the terms of the related customer agreements. Premiums and discounts paid or received associated with a loan are generally deferred and amortized over the average life of the related loans using the effective interest method. Finance charges and fees, net of amounts that we consider uncollectible, are included in loans and fees receivable and revenue when the fees are earned. Fees and Related Income on Earning Assets Fees and related income on earning assets primarily include: ( 1 2 3 4 5 We assess fees on credit card accounts underlying our credit card receivables according to the terms of the related cardholder agreements and, except for annual membership fees, we recognize these fees as income when they are charged to the customers’ accounts. We accrete annual membership fees associated with our credit card receivables into income on a straight-line basis over the cardholder privilege period. Similarly, fees on our other credit products are recognized when earned, which coincides with the time they are charged to the customer’s account. Fees and related income on earning assets, net of amounts that we consider uncollectible, are included in loans and fees receivable and revenue when the fees are earned. In periods where applicable, we accrue periodic billed rental amounts (net of allowances for uncollectible billings) into revenues over the rental period to which the billed amounts relate, and we defer recognition in revenues of any advanced customer rental payments until the rental period in which they are properly recognizable under the terms of the contract. The components (in thousands) of our fees and related income on earning assets are as follows: For the three months ended September 30, For the nine months ended September 30, 2018 2017 2018 2017 Fees on credit products $ 6,823 $ 3,248 $ 17,226 $ 6,351 Changes in fair value of loans and fees receivable recorded at fair value 2,102 1,153 2,597 2,718 Changes in fair value of notes payable associated with structured financings recorded at fair value 577 259 3,020 1,786 Rental revenue — — — 148 Other 34 (494 ) 1 (65 ) Total fees and related income on earning assets $ 9,536 $ 4,166 $ 22,844 $ 10,938 The above changes in the fair value of loans and fees receivable recorded at fair value category exclude the impact of current period charge offs associated with these receivables which are separately stated in Net (losses upon) recovery of charge off of loans and fees receivable recorded at fair value on our consolidated statements of operations. See Note 6, Revenue from Contracts with Customers In the first 2018, No. 2014 09, Credit and Three months ended September 30, 2018 Other Investments Auto Finance Total Interchange revenues, net (1) $ 707 $ — $ 707 Servicing income 122 260 382 Service charges and other customer related fees 174 17 191 Total Other income $ 1,003 $ 277 $ 1,280 Credit and Nine months ended September 30, 2018 Other Investments Auto Finance Total Interchange revenues, net (1) $ 1,846 $ — $ 1,846 Servicing income 862 784 1,646 Service charges and other customer related fees 288 51 339 Total Other income $ 2,996 $ 835 $ 3,831 ( 1 Recent Accounting Pronouncements In June 2016, 2016 13, first 2016 13 December 15, 2019, In February 2016, No. 2016 02, 2016 02 December 15, 2018, 2016 02 $12.2 December 31, 2017. not 2016 02 In May 2014, No. 2014 09, 2014 09 August 2015, one January 1, 2018. January 1, 2018 not Subsequent Events We evaluate subsequent events that occur after our consolidated balance sheet date but before our consolidated financial statements are issued. There are two 1 2 not September 30, 2018, not 7,

Note 3 - Segment Reporting

Note 3 - Segment Reporting	9 Months Ended
	Sep. 30, 2018
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	3. Segment Reporting We operate primarily within one two two As of both September 30, 2018 December 31, 2017, not nine September 30, 2018 2017 We measure the profitability of our reportable segments based on their income after allocation of specific costs and corporate overhead; however, our segment results do not Summary operating segment information (in thousands) is as follows: Three months ended September 30, 2018 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 34,164 $ 7,737 $ 41,901 Other 51 — 51 Total interest income 34,215 7,737 41,952 Interest expense (8,920 ) (361 ) (9,281 ) Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable $ 25,295 $ 7,376 $ 32,671 Fees and related income on earning assets $ 9,509 $ 27 $ 9,536 Servicing income $ 122 $ 260 $ 382 Equity in loss of equity-method investees $ (49 ) $ — $ (49 ) (Loss) income before income taxes $ (19,079 ) $ 3,030 $ (16,049 ) Income tax benefit (expense) $ 1,055 $ (1,176 ) $ (121 ) Nine months ended September 30, 2018 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 93,028 $ 22,297 $ 115,325 Other 137 — 137 Total interest income 93,165 22,297 115,462 Interest expense (25,274 ) (967 ) (26,241 ) Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable $ 67,891 $ 21,330 $ 89,221 Fees and related income on earning assets $ 22,781 $ 63 $ 22,844 Servicing income $ 862 $ 784 $ 1,646 Equity in income of equity-method investees $ 491 $ — $ 491 (Loss) income before income taxes $ (28,329 ) $ 8,282 $ (20,047 ) Income tax benefit (expense) $ 6,694 $ (1,961 ) $ 4,733 Total assets $ 387,430 $ 73,579 $ 461,009 Three months ended September 30, 2017 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 21,901 $ 7,084 $ 28,985 Other 34 — 34 Total interest income 21,935 7,084 29,019 Interest expense (6,998 ) (270 ) (7,268 ) Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable $ 14,937 $ 6,814 $ 21,751 Fees and related income on earning assets $ 4,137 $ 29 $ 4,166 Servicing income $ 831 $ 203 $ 1,034 Equity in income of equity-method investees $ 164 $ — $ 164 (Loss) income before income taxes $ (16,547 ) $ 2,057 $ (14,490 ) Income tax benefit (expense) $ 655 $ (633 ) $ 22 Nine months ended September 30, 2017 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 60,320 $ 21,137 $ 81,457 Other 178 — 178 Total interest income 60,498 21,137 81,635 Interest expense (18,758 ) (746 ) (19,504 ) Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable $ 41,740 $ 20,391 $ 62,131 Fees and related income on earning assets $ 10,859 $ 79 $ 10,938 Servicing income $ 2,332 $ 652 $ 2,984 Depreciation of rental merchandise $ (27 ) $ — $ (27 ) Equity in income of equity-method investees $ 902 $ — $ 902 (Loss) income before income taxes $ (32,071 ) $ 5,702 $ (26,369 ) Income tax benefit (expense) $ 5,677 $ (1,830 ) $ 3,847 Total assets $ 363,526 $ 65,541 $ 429,067

Note 4 - Shareholders' Equity

Note 4 - Shareholders' Equity	9 Months Ended
	Sep. 30, 2018
Notes to Financial Statements
Stockholders' Equity Note Disclosure [Text Block]	4. Shareholders’ Equity During the three nine September 30, 2018, 260,060 279,519 $676,000 $717,000, three nine September 30, 2017, 107,916 114,618 $268,000 $286,000, We had 1,459,233 September 30, 2018 December 31, 2017, November 2005

Note 5 - Investment in Equity-m

Note 5 - Investment in Equity-method Investee	9 Months Ended
	Sep. 30, 2018
Notes to Financial Statements
Equity Method Investments and Joint Ventures Disclosure [Text Block]	5. Investment in Equity-Method Investee Our equity-method investment outstanding at September 30, 2018 66.7% In the following tables, we summarize (in thousands) balance sheet and results of operations data for our equity-method investee: As of September 30, 2018 December 31, 2017 Loans and fees receivables, at fair value $ 4,151 $ 6,123 Total assets $ 4,298 $ 6,392 Total liabilities $ 20 $ 26 Members’ capital $ 4,278 $ 6,366 Three months ended September 30, Nine months ended September 30, 2018 2017 2018 2017 Net interest income, fees and related income (loss) on earning assets $ (73 ) $ 607 $ 739 $ 1,111 Net income (loss) $ (135 ) $ 511 $ 534 $ 908 Net income (loss) attributable to our equity investment investee $ (49 ) $ 164 $ 491 $ 902

Note 6 - Fair Values of Assets

Note 6 - Fair Values of Assets and Liabilities	9 Months Ended
	Sep. 30, 2018
Notes to Financial Statements
Fair Value Disclosures [Text Block]	6. Fair Values of Assets and Liabilities Valuations and Techniques for Assets Our assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the asset or liability. The table below summarizes (in thousands) by fair value hierarchy the September 30, 2018 December 31, 2017 1 2 not Assets – As of September 30, 2018 (1) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Assets Loans and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 395,920 $ 372,018 Loans and fees receivable, at fair value $ — $ — $ 7,125 $ 7,125 Assets – As of December 31, 2017 (1) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Assets Loans and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 324,945 $ 293,972 Loans and fees receivable, at fair value $ — $ — $ 11,109 $ 11,109 ( 1 For cash, deposits and other short-term investments, the carrying amount is a reasonable estimate of fair value. For those asset classes above that are required to be carried at fair value in our consolidated financial statements, gains and losses associated with fair value changes are detailed on our fees and related income on earning assets table within Note 2, For Level 3 nine September 30, 2018 2017: Loans and Fees Receivables, at Fair Value 2018 2017 Balance at January 1, $ 11,109 $ 15,648 Total gains—realized/unrealized: Net revaluations of loans and fees receivable, at fair value 2,597 2,718 Settlements (6,567 ) (6,398 ) Impact of foreign currency translation (14 ) 51 Balance at September 30, $ 7,125 $ 12,019 The unrealized gains and losses for assets within the Level 3 Net Revaluation of Loans and Fees Receivable. third For Level 3 September 30, 2018 December 31, 2017: Quantitative Information about Level 3 Fair Value Measurements Fair Value at September 30, 2018 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans and fees receivable, at fair value $ 7,125 Discounted cash flows Gross yield 25.8% to 30.0% (26.3%) Principal payment rate 2.3% to 3.3% (2.4%) Expected credit loss rate 9.3% to 11.0% (9.5%) Servicing rate 12.8% to 16.4% (13.3%) Discount rate 14.6% to 14.6% (14.6%) Quantitative Information about Level 3 Fair Value Measurements Fair Value at December 31, 2017 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans and fees receivable, at fair value $ 11,109 Discounted cash flows Gross yield 15.8% to 27.4% (24.5%) Principal payment rate 1.9% to 3.6% (2.6%) Expected credit loss rate 9.4% to 10.4% (9.7%) Servicing rate 10.2% to 12.3% (10.5%) Discount rate 6.0% to 14.2% (12.8%) Valuations and Techniques for Liabilities Our assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the liability. The table below summarizes (in thousands) by fair value hierarchy the September 30, 2018 December 31, 2017 1 2 not Liabilities – As of September 30, 2018 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Liabilities Liabilities not carried at fair value Revolving credit facilities $ — $ — $ 223,593 $ 223,593 Amortizing debt facilities $ — $ — $ 69,705 $ 69,705 Senior secured term loan $ — $ — $ 40,000 $ 40,000 5.875% convertible senior notes $ — $ 46,788 $ — $ 61,975 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 6,220 $ 6,220 Liabilities - As of December 31, 2017 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Liabilities Liabilities not carried at fair value Revolving credit facilities $ — $ — $ 160,854 $ 160,854 Amortizing debt facilities $ — $ — $ 65,384 $ 65,384 Senior secured term loan $ — $ — $ 40,000 $ 40,000 5.875% convertible senior notes $ — $ 43,588 $ — $ 61,393 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 9,240 $ 9,240 For our material Level 3 nine September 30, 2018 2017. Notes Payable Associated with Structured Financings, at Fair Value 2018 2017 Beginning balance, January 1, $ 9,240 $ 12,276 Total (gains) losses—realized/unrealized: Net revaluations of notes payable associated with structured financings, at fair value (3,020 ) (1,786 ) Repayments on outstanding notes payable, net — (721 ) Ending balance, September 30, $ 6,220 $ 9,769 The unrealized gains and losses for liabilities within the Level 3 3 Net Revaluation of Notes Payable Associated with Structured Financings, at Fair Value. third For material Level 3 September 30, 2018 December 31, 2017: Quantitative Information about Level 3 Fair Value Measurements Fair Value at September 30, 2018 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 6,220 Discounted cash flows Gross yield 25.8 % Principal payment rate 2.3 % Expected credit loss rate 9.3 % Discount rate 14.6 % Quantitative Information about Level 3 Fair Value Measurements Fair Value at December 31, 2017 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 9,240 Discounted cash flows Gross yield 25.9 % Principal payment rate 2.5 % Expected credit loss rate 9.4 % Discount rate 14.2 % Other Relevant Data Other relevant data (in thousands) as of September 30, 2018 December 31, 2017 As of September 30, 2018 Loans and Fees Receivable at Fair Value Loans and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid principal balance within loans and fees receivable that are reported at fair value $ 1,306 $ 8,437 Aggregate fair value of loans and fees receivable that are reported at fair value $ 905 $ 6,220 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 2 $ 7 Aggregate excess of balance of unpaid principal receivables within loans and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans and fees receivable $ 26 $ 218 As of December 31, 2017 Loans and Fees Receivable at Fair Value Loans and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid principal balance within loans and fees receivable that are reported at fair value $ 4,416 $ 11,349 Aggregate fair value of loans and fees receivable that are reported at fair value $ 1,869 $ 9,240 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 5 $ 17 Aggregate excess of balance of unpaid principal receivables within loans and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans and fees receivable $ 107 $ 369 Notes Payable Notes Payable Associated with Structured Financings, at Fair Value as of September 30, 2018 Notes Payable Associated with Structured Financings, at Fair Value as of December 31, 2017 Aggregate unpaid principal balance of notes payable $ 101,314 $ 101,314 Aggregate fair value of notes payable $ 6,220 $ 9,240

Note 7 - Notes Payable

Note 7 - Notes Payable	9 Months Ended
	Sep. 30, 2018
Notes to Financial Statements
Debt Disclosure [Text Block]	7. Notes Payable Notes Payable Associated with Structured Financings, at Fair Value Scheduled (in millions) in the table below are ( 1 September 30, 2018 December 31, 2017, 2 September 30, 2018 December 31, 2017, 3 September 30, 2018 December 31, 2017. Carrying Amounts at Fair Value as of September 30, 2018 December 31, 2017 Amortizing securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of September 30, 2018 ($101.3 million as of December 31, 2017) bearing interest at a weighted average 7.3% interest rate at September 30, 2018 (6.7% at December 31, 2017), which is secured by credit card receivables and restricted cash aggregating $6.2 million as of September 30, 2018 ($9.2 million as of December 31, 2017) in carrying amount $ 6.2 $ 9.2 Contractual payment allocations within this credit card receivables structured financing provide for a priority distribution of cash flows to us to service the credit card receivables, a distribution of cash flows to pay interest and principal due on the notes, and a distribution of all excess cash flows (if any) to us. The structured financing facility included in the above table is amortizing down along with collections of the underlying receivables and there are no $6.2 $6.2 no September 30, 2018. Beyond our role as servicer of the underlying assets within the credit cards receivables structured financing, we have provided no no Notes Payable, at Face Value and Notes Payable to Related Parties Other notes payable outstanding as of September 30, 2018 December 31, 2017 As of September 30, 2018 December 31, 2017 Revolving credit facilities at a weighted average interest rate equal to 9.8% at September 30, 2018 (7.8% at December 31, 2017) secured by the financial and operating assets of CAR and/or certain receivables and restricted cash with a combined aggregate carrying amount of $315.1 million as of September 30, 2018 ($216.0 million at December 31, 2017) Revolving credit facility, not to exceed $40.0 million (expiring November 1, 2019) (1) 30.1 24.8 Revolving credit facility, not to exceed $50.0 million (expiring October 30, 2019) (2) (3) (4) 49.5 49.4 Revolving credit facility, not to exceed $12.0 million (expiring December 21, 2019) (2) (3) (4) 10.8 3.8 Revolving credit facility, not to exceed $20.0 million (expiring December 31, 2019) (2) (3) (4) 19.8 19.8 Revolving credit facility, not to exceed $90.0 million (expiring February 8, 2022) (2) (5) 47.0 65.0 Revolving credit facility, not to exceed $100.0 million (expiring June 11, 2020) (2) (5) 68.8 — Revolving credit facility, not to exceed $15.0 million (expiring June 25, 2020) (2) (3) (4) 13.3 7.5 Revolving credit facility, not to exceed $50.0 million (expiring September 19, 2021) (2) (3) (4) 10.0 — Amortizing facilities at a weighted average interest rate equal to 6.7% at September 30, 2018 (6.0% at December 31, 2017) secured by certain receivables and restricted cash with a combined aggregate carrying amount of $61.2 million as of September 30, 2018 ($77.9 million as of December 31, 2017) Amortizing debt facility (repaid in March 2018) (2) (3) (6) — 3.7 Amortizing debt facility (repaid in June 2018) (2) (3) (6) — 18.3 Amortizing debt facility (repaid in September 2018) (2) (3) — 6.0 Amortizing debt facility (expiring November 30, 2018) (2) (3) (4) (6) 3.7 20.5 Amortizing debt facility (expiring April 22, 2019) (2) (3) (4) (6) 15.2 10.0 Amortizing debt facility (expiring September 29, 2019) (2) (3) (4) (6) 28.7 — Other facilities Senior secured term loan to related parties (expiring November 21, 2018) that is secured by certain assets of the Company with an annual rate equal to 9.0% (5) 40.0 40.0 Total notes payable before unamortized debt issuance costs and discounts 336.9 268.8 Unamortized debt issuance costs and discounts (3.6 ) (2.6 ) Total notes payable outstanding $ 333.3 $ 266.2 ( 1 Loan is subject to certain affirmative covenants, including a coverage ratio, a leverage ratio and a collateral performance test, the failure of which could result in required early repayment of all or a portion of the outstanding balance by our CAR Auto Finance operations. ( 2 Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes. ( 3 These notes reflect modifications to either extend the maturity date, increase the loaned amount or both. ( 4 Loans were paid down subsequent to September 30, 2018 ( 5 See below for additional information. ( 6 Loans are comprised of five On November 26, 2014, $40.0 $40.0 September 30, 2018. November 2017, November 21, 2018. Our obligations under the agreement are guaranteed by certain subsidiary guarantors and secured by a pledge of certain assets of ours and the subsidiary guarantors. The loans bear interest at the rate of 9.0% November 21, 2018 Dove is a limited liability company owned by three one two two In February 2017, $90.0 $47.0 September 30, 2018) third 8.0% 14.0%. In June 2018, $100.0 $68.8 September 30, 2018) third 4.25%. The facilities mature on February 8, 2022 June 11, 2020, may In November 2018, $167.3 two 18 5.76%.

Note 8 - Convertible Senior Not

Note 8 - Convertible Senior Notes	9 Months Ended
	Sep. 30, 2018
Notes to Financial Statements
Long-term Debt [Text Block]	8. Convertible Senior Notes In November 2005, $300.0 5.875% November 30, 2035 No The following summarizes (in thousands) components of our consolidated balance sheets associated with our convertible senior notes: As of September 30, 2018 December 31, 2017 Face amount of 5.875% convertible senior notes $ 88,280 $ 88,280 Discount (26,305 ) (26,887 ) Net carrying value $ 61,975 $ 61,393 Carrying amount of equity component included in additional paid-in capital $ 108,714 $ 108,714 Excess of instruments’ if-converted values over face principal amounts $ — $ —

Note 9 - Commitments and Contin

Note 9 - Commitments and Contingencies	9 Months Ended
	Sep. 30, 2018
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	9. Commitments and Contingencies General Under finance products available in the point-of-sale and direct-to-consumer channels, consumers have the ability to borrow up to the maximum credit limit assigned to each individual’s account. Unfunded commitments under these products aggregated $563.7 September 30, 2018. Additionally our CAR operations provide floor-plan financing for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here used car business. The financings allow dealers and finance companies to borrow up to the maximum pre-approved credit limit allowed in order to finance ongoing inventory needs. These loans are secured by the underlying auto inventory and, in certain cases where we have other lending products outstanding with the dealer, are secured by the collateral under those lending arrangements as well, including any outstanding dealer reserves. As of September 30, 2018, $8.4 Under agreements with third $9.9 September 30, 2018 Under agreements with third September 30, 2018, We also are subject to certain minimum payments under cancelable and non-cancelable lease arrangements. For further information regarding these commitments, see Note 8, 10 December 31, 2017. Litigation See Note 11, 10 December 31, 2017 Additionally, we are involved in various other legal proceedings that are incidental to the conduct of our business, none

Note 10 - Net Loss Attributable

Note 10 - Net Loss Attributable to Controlling Interests Per Common Share	9 Months Ended
	Sep. 30, 2018
Notes to Financial Statements
Earnings Per Share [Text Block]	10. Net Loss Attributable to Controlling Interests Per Common Share The following table sets forth the computations of net loss attributable to controlling interests per common share (in thousands, except per share data): For the Three Months Ended September 30, For the Nine Months Ended September 30, 2018 2017 2018 2017 Numerator: Net loss attributable to controlling interests $ (16,092 ) $ (14,467 ) $ (15,132 ) $ (22,523 ) Denominator: Basic (including unvested share-based payment awards) (1) 13,908 13,984 13,898 13,964 Effect of dilutive stock compensation arrangements (2) — 13 — 23 Diluted (including unvested share-based payment awards) (1) 13,908 13,997 13,898 13,987 Net loss attributable to controlling interests per common share—basic $ (1.16 ) $ (1.04 ) $ (1.09 ) $ (1.61 ) Net loss attributable to controlling interests per common share—diluted $ (1.16 ) $ (1.04 ) $ (1.09 ) $ (1.61 ) ( 1 Shares related to unvested share-based payment awards included in our basic and diluted share counts were 315,707 217,245, three nine September 30, 2018, 238,967 318,253, three nine September 30, 2017. ( 2 The effect of dilutive stock compensation arrangements is shown only for informational purposes where we are in a net loss position. In such situations, the effect of including outstanding options and restricted stock would be anti-dilutive, and they are thus excluded from all loss period calculations. For the three nine September 30, 2018 2017, no $24.61 3.6 8,

Note 11 - Stock-based Compensat

Note 11 - Stock-based Compensation	9 Months Ended
	Sep. 30, 2018
Notes to Financial Statements
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	11. Stock-Based Compensation We currently have two 2014 “2014 September 30, 2018, 90,292 732,826 2014 Exercises and vestings under our stock-based compensation plans resulted in no three nine September 30, 2018 2017. Restricted Stock During the nine September 30, 2018 2017, 346,177 102,000 $0.6 $0.3 $0.3 $0.6 nine September 30, 2018 2017, 12 60 September 30, 2018, $0.5 2.5 Stock Options Our 2014 may may not 10 $0.2 $0.5 $0.2 $0.7 three nine September 30, 2018 2017, September 30, 2018 Number of Shares Weighted-Average Exercise Price Weighted-Average of Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at December 31, 2017 2,619,334 $ 3.04 Issued 33,500 $ 1.77 Exercised (14,000 ) $ 2.27 Cancelled/Forfeited (11,334 ) $ 3.04 Outstanding at September 30, 2018 2,627,500 $ 3.02 2.6 $ 403,800 Exercisable at September 30, 2018 1,165,316 $ 3.10 1.8 $ 180,126 We had $0.5 $0.9 September 30, 2018 December 31, 2017,

Significant Accounting Policies

Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2018
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Basis of Presentation and Use of Estimates We prepare our consolidated financial statements in accordance with generally accepted accounting principles in the U.S. (“GAAP”). The preparation of financial statements in accordance with GAAP requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of our consolidated financial statements, as well as the reported amounts of revenues and expenses during each reporting period. We base these estimates on information available to us as of the date of the financial statements. Actual results could differ materially from these estimates. Certain estimates, such as credit losses, payment rates, costs of funds, discount rates and the yields earned on credit card receivables, significantly affect the reported amount of credit card receivables that we report at fair value and our notes payable associated with structured financings, at fair value; these estimates likewise affect the changes in these amounts reflected within our fees and related income on earning assets line item on our consolidated statements of operations. Additionally, estimates of future credit losses have a significant effect on loans and fees receivable, net, as shown on our consolidated balance sheets, as well as on the provision for losses on loans and fees receivable within our consolidated statements of operations. We have eliminated all significant intercompany balances and transactions for financial reporting purposes.
Receivables, Policy [Policy Text Block]	Loans and Fees Receivable Our loans and fees receivable include loans and fees receivable, at fair value and loans and fees receivable, gross. We show both an allowance for uncollectible loans and fees receivable and unearned fees (or “deferred revenue”) for our loans and fees receivable (i.e., as opposed to those carried at fair value). Our loans and fees receivable consist of smaller-balance, homogeneous loans, divided into two may may may As of September 30, 2018 December 31, 2017, $40.6 $37.0 12 11 A roll-forward (in millions) of our allowance for uncollectible loans and fees receivable by class of receivable is as follows: For the three months ended September 30, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at beginning of period $ (19.9 ) $ (1.5 ) $ (33.4 ) $ (54.8 ) Provision for loan losses (14.0 ) 0.3 (19.1 ) (32.8 ) Charge offs 7.4 0.4 13.1 20.9 Recoveries (0.2 ) (0.2 ) (1.2 ) (1.6 ) Balance at end of period $ (26.7 ) $ (1.0 ) $ (40.6 ) $ (68.3 ) For the nine months ended September 30, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at beginning of period $ (18.2 ) $ (2.3 ) $ (42.5 ) $ (63.0 ) Provision for loan losses (29.1 ) 0.6 (36.8 ) (65.3 ) Charge offs 20.9 1.4 42.3 64.6 Recoveries (0.3 ) (0.7 ) (3.6 ) (4.6 ) Balance at end of period $ (26.7 ) $ (1.0 ) $ (40.6 ) $ (68.3 ) As of September 30, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.1 ) $ — $ (0.1 ) Balance at end of period collectively evaluated for impairment $ (26.7 ) $ (0.9 ) $ (40.6 ) $ (68.2 ) Loans and fees receivable: Loans and fees receivable, gross $ 146.8 $ 85.3 $ 248.8 $ 480.9 Loans and fees receivable individually evaluated for impairment $ — $ 0.2 $ 0.1 $ 0.3 Loans and fees receivable collectively evaluated for impairment $ 146.8 $ 85.1 $ 248.7 $ 480.6 For the three months ended September 30, 2017 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at beginning of period $ (3.2 ) $ (2.0 ) $ (36.0 ) $ (41.2 ) Provision for loan losses (6.2 ) (0.2 ) (17.7 ) (24.1 ) Charge offs 0.7 0.5 13.2 14.4 Recoveries (0.1 ) (0.3 ) (0.8 ) (1.2 ) Balance at end of period $ (8.8 ) $ (2.0 ) $ (41.3 ) $ (52.1 ) For the nine months ended September 30, 2017 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at beginning of period $ (1.4 ) $ (2.1 ) $ (39.8 ) $ (43.3 ) Provision for loan losses (8.1 ) (1.0 ) (41.4 ) (50.5 ) Charge offs 1.9 2.1 42.2 46.2 Recoveries (1.2 ) (1.0 ) (2.3 ) (4.5 ) Balance at end of period $ (8.8 ) $ (2.0 ) $ (41.3 ) $ (52.1 ) As of December 31, 2017 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.2 ) $ (0.2 ) $ (0.4 ) Balance at end of period collectively evaluated for impairment $ (18.2 ) $ (2.1 ) $ (42.3 ) $ (62.6 ) Loans and fees receivable: Loans and fees receivable, gross $ 87.2 $ 77.8 $ 228.9 $ 393.9 Loans and fees receivable individually evaluated for impairment $ — $ 0.4 $ 0.2 $ 0.6 Loans and fees receivable collectively evaluated for impairment $ 87.2 $ 77.4 $ 228.7 $ 393.3 An aging of our delinquent loans and fees receivable, gross (in millions) by class of receivable as of September 30, 2018 December 31, 2017 As of September 30, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 4.6 $ 7.6 $ 9.0 $ 21.2 60-89 days past due 4.1 2.2 7.6 13.9 90 or more days past due 9.1 1.5 16.7 27.3 Delinquent loans and fees receivable, gross 17.8 11.3 33.3 62.4 Current loans and fees receivable, gross 129.0 74.0 215.5 418.5 Total loans and fees receivable, gross $ 146.8 $ 85.3 $ 248.8 $ 480.9 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.3 $ — $ 1.3 As of December 31, 2017 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 3.2 $ 6.4 $ 9.0 $ 18.6 60-89 days past due 3.3 2.1 7.1 12.5 90 or more days past due 4.9 1.9 15.7 22.5 Delinquent loans and fees receivable, gross 11.4 10.4 31.8 53.6 Current loans and fees receivable, gross 75.8 67.4 197.1 340.3 Total loans and fees receivable, gross $ 87.2 $ 77.8 $ 228.9 $ 393.9 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.6 $ — $ 1.6
Loans and Leases Receivable, Troubled Debt Restructuring Policy [Policy Text Block]	Troubled Debt Restructurings. 90 “APR”) not one The following table details by class of receivable, the number and amount of modified loans, including TDRs that have been re-aged, as of September 30, 2018 December 31, 2017: As of September 30, 2018 December 31, 2017 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts on non-accrual status 13,477 10,041 11,432 6,681 Number of accounts on non-accrual status above that have been re-aged 1,359 504 915 80 Amount of receivables on non-accrual status (in thousands) $ 19,352 $ 10,858 $ 17,169 $ 7,067 Amount of receivables on non-accrual status above that have been re-aged (in thousands) $ 2,541 $ 524 $ 1,570 $ 86 Carrying value of receivables on non-accrual status (in thousands) $ 5,425 $ 1,889 $ 4,247 $ 1,173 TDRs - Performing (carrying value, in thousands)* $ 3,306 $ 1,129 $ 2,368 $ 508 TDRs - Nonperforming (carrying value, in thousands)* $ 2,119 $ 760 $ 1,879 $ 665 *“TDRs - Performing” include accounts that are current on all amounts owed, while “TDRs - Nonperforming” include all accounts with past due amounts owed. Given that the above TDRs have a high reserve rate prior to modification as TDRs, we do not The following table details by class of receivable, the number of accounts and carrying value of loans that completed a modification (including those that were classified as TDRs) within the prior twelve Twelve Months Ended September 30, 2018 September 30, 2017 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 6,027 3,088 5,400 1,003 Loan balance at time of charge off (in thousands) $ 7,385 $ 2,633 $ 5,113 $ 1,581
Prepaid Expenses and Other Assets [Policy Text Block]	Prepaid Expenses and Other Assets Prepaid expenses and other assets include amounts paid to third third 1 2 third $5.2 September 30, 2018, ( 3 4
Accounts Payable and Accrued Expenses [Policy Text Block]	Accounts Payable and Accrued Expenses Accounts payable and accrued expenses reflect both the billed and unbilled amounts owed at the end of a period for services rendered. Also included within accounts payable and accrued expenses are amounts which may one
Income Tax, Policy [Policy Text Block]	Income Taxes We experienced a negative effective income tax expense rate of 0.8% three September 30, 2018, 23.6% nine September 30, 2018; 0.2% 14.6% three nine September 30, 2017, three September 30, 2018 1 2 3 nine September 30, 2018, 1 2 3 2008 2008 three nine September 30, 2017 1 2 We report income tax-related interest and penalties (including those associated with both our accrued liabilities for uncertain tax positions and unpaid tax liabilities) within our income tax benefit or expense line item on our consolidated statements of operations. We likewise report the reversal of income tax-related interest and penalties within such line item to the extent that we resolve our liabilities for uncertain tax positions or unpaid tax liabilities in a manner favorable to our accruals therefor. During the three nine September 30, 2018, $0.2 $0.6 June 2018, 2008 2008 nine September 30, 2018, $1.6 not June 2018 In December 2014, 2007 2008 2003. March 31, 2018 ( June 2018 December 2014 $7.4 $4.3 March 31, 2018. $7.4 December 2014 June 2018 $7.4 $3.7 July 2018, $5.4 $3.7 three September 30, 2018, $0.5 $5.4
Revenue Recognition, Policy [Policy Text Block]	Revenue Recognition and Revenue from Contracts with Customers Consumer Loans, Including Past Due Fees Consumer loans, including past due fees reflect interest income, including finance charges, and late fees on loans in accordance with the terms of the related customer agreements. Premiums and discounts paid or received associated with a loan are generally deferred and amortized over the average life of the related loans using the effective interest method. Finance charges and fees, net of amounts that we consider uncollectible, are included in loans and fees receivable and revenue when the fees are earned. Fees and Related Income on Earning Assets Fees and related income on earning assets primarily include: ( 1 2 3 4 5 We assess fees on credit card accounts underlying our credit card receivables according to the terms of the related cardholder agreements and, except for annual membership fees, we recognize these fees as income when they are charged to the customers’ accounts. We accrete annual membership fees associated with our credit card receivables into income on a straight-line basis over the cardholder privilege period. Similarly, fees on our other credit products are recognized when earned, which coincides with the time they are charged to the customer’s account. Fees and related income on earning assets, net of amounts that we consider uncollectible, are included in loans and fees receivable and revenue when the fees are earned. In periods where applicable, we accrue periodic billed rental amounts (net of allowances for uncollectible billings) into revenues over the rental period to which the billed amounts relate, and we defer recognition in revenues of any advanced customer rental payments until the rental period in which they are properly recognizable under the terms of the contract. The components (in thousands) of our fees and related income on earning assets are as follows: For the three months ended September 30, For the nine months ended September 30, 2018 2017 2018 2017 Fees on credit products $ 6,823 $ 3,248 $ 17,226 $ 6,351 Changes in fair value of loans and fees receivable recorded at fair value 2,102 1,153 2,597 2,718 Changes in fair value of notes payable associated with structured financings recorded at fair value 577 259 3,020 1,786 Rental revenue — — — 148 Other 34 (494 ) 1 (65 ) Total fees and related income on earning assets $ 9,536 $ 4,166 $ 22,844 $ 10,938 The above changes in the fair value of loans and fees receivable recorded at fair value category exclude the impact of current period charge offs associated with these receivables which are separately stated in Net (losses upon) recovery of charge off of loans and fees receivable recorded at fair value on our consolidated statements of operations. See Note 6, Revenue from Contracts with Customers In the first 2018, No. 2014 09, Credit and Three months ended September 30, 2018 Other Investments Auto Finance Total Interchange revenues, net (1) $ 707 $ — $ 707 Servicing income 122 260 382 Service charges and other customer related fees 174 17 191 Total Other income $ 1,003 $ 277 $ 1,280 Credit and Nine months ended September 30, 2018 Other Investments Auto Finance Total Interchange revenues, net (1) $ 1,846 $ — $ 1,846 Servicing income 862 784 1,646 Service charges and other customer related fees 288 51 339 Total Other income $ 2,996 $ 835 $ 3,831 ( 1
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements In June 2016, 2016 13, first 2016 13 December 15, 2019, In February 2016, No. 2016 02, 2016 02 December 15, 2018, 2016 02 $12.2 December 31, 2017. not 2016 02 In May 2014, No. 2014 09, 2014 09 August 2015, one January 1, 2018. January 1, 2018 not
Subsequent Events, Policy [Policy Text Block]	Subsequent Events We evaluate subsequent events that occur after our consolidated balance sheet date but before our consolidated financial statements are issued. There are two 1 2 not September 30, 2018, not 7,

Note 2 - Significant Accounti_2

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Tables)	9 Months Ended
	Sep. 30, 2018
Notes Tables
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]	For the three months ended September 30, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at beginning of period $ (19.9 ) $ (1.5 ) $ (33.4 ) $ (54.8 ) Provision for loan losses (14.0 ) 0.3 (19.1 ) (32.8 ) Charge offs 7.4 0.4 13.1 20.9 Recoveries (0.2 ) (0.2 ) (1.2 ) (1.6 ) Balance at end of period $ (26.7 ) $ (1.0 ) $ (40.6 ) $ (68.3 ) For the nine months ended September 30, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at beginning of period $ (18.2 ) $ (2.3 ) $ (42.5 ) $ (63.0 ) Provision for loan losses (29.1 ) 0.6 (36.8 ) (65.3 ) Charge offs 20.9 1.4 42.3 64.6 Recoveries (0.3 ) (0.7 ) (3.6 ) (4.6 ) Balance at end of period $ (26.7 ) $ (1.0 ) $ (40.6 ) $ (68.3 ) As of September 30, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.1 ) $ — $ (0.1 ) Balance at end of period collectively evaluated for impairment $ (26.7 ) $ (0.9 ) $ (40.6 ) $ (68.2 ) Loans and fees receivable: Loans and fees receivable, gross $ 146.8 $ 85.3 $ 248.8 $ 480.9 Loans and fees receivable individually evaluated for impairment $ — $ 0.2 $ 0.1 $ 0.3 Loans and fees receivable collectively evaluated for impairment $ 146.8 $ 85.1 $ 248.7 $ 480.6 For the three months ended September 30, 2017 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at beginning of period $ (3.2 ) $ (2.0 ) $ (36.0 ) $ (41.2 ) Provision for loan losses (6.2 ) (0.2 ) (17.7 ) (24.1 ) Charge offs 0.7 0.5 13.2 14.4 Recoveries (0.1 ) (0.3 ) (0.8 ) (1.2 ) Balance at end of period $ (8.8 ) $ (2.0 ) $ (41.3 ) $ (52.1 ) For the nine months ended September 30, 2017 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at beginning of period $ (1.4 ) $ (2.1 ) $ (39.8 ) $ (43.3 ) Provision for loan losses (8.1 ) (1.0 ) (41.4 ) (50.5 ) Charge offs 1.9 2.1 42.2 46.2 Recoveries (1.2 ) (1.0 ) (2.3 ) (4.5 ) Balance at end of period $ (8.8 ) $ (2.0 ) $ (41.3 ) $ (52.1 ) As of December 31, 2017 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.2 ) $ (0.2 ) $ (0.4 ) Balance at end of period collectively evaluated for impairment $ (18.2 ) $ (2.1 ) $ (42.3 ) $ (62.6 ) Loans and fees receivable: Loans and fees receivable, gross $ 87.2 $ 77.8 $ 228.9 $ 393.9 Loans and fees receivable individually evaluated for impairment $ — $ 0.4 $ 0.2 $ 0.6 Loans and fees receivable collectively evaluated for impairment $ 87.2 $ 77.4 $ 228.7 $ 393.3
Past Due Financing Receivables [Table Text Block]	As of September 30, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 4.6 $ 7.6 $ 9.0 $ 21.2 60-89 days past due 4.1 2.2 7.6 13.9 90 or more days past due 9.1 1.5 16.7 27.3 Delinquent loans and fees receivable, gross 17.8 11.3 33.3 62.4 Current loans and fees receivable, gross 129.0 74.0 215.5 418.5 Total loans and fees receivable, gross $ 146.8 $ 85.3 $ 248.8 $ 480.9 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.3 $ — $ 1.3 As of December 31, 2017 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 3.2 $ 6.4 $ 9.0 $ 18.6 60-89 days past due 3.3 2.1 7.1 12.5 90 or more days past due 4.9 1.9 15.7 22.5 Delinquent loans and fees receivable, gross 11.4 10.4 31.8 53.6 Current loans and fees receivable, gross 75.8 67.4 197.1 340.3 Total loans and fees receivable, gross $ 87.2 $ 77.8 $ 228.9 $ 393.9 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.6 $ — $ 1.6
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	As of September 30, 2018 December 31, 2017 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts on non-accrual status 13,477 10,041 11,432 6,681 Number of accounts on non-accrual status above that have been re-aged 1,359 504 915 80 Amount of receivables on non-accrual status (in thousands) $ 19,352 $ 10,858 $ 17,169 $ 7,067 Amount of receivables on non-accrual status above that have been re-aged (in thousands) $ 2,541 $ 524 $ 1,570 $ 86 Carrying value of receivables on non-accrual status (in thousands) $ 5,425 $ 1,889 $ 4,247 $ 1,173 TDRs - Performing (carrying value, in thousands)* $ 3,306 $ 1,129 $ 2,368 $ 508 TDRs - Nonperforming (carrying value, in thousands)* $ 2,119 $ 760 $ 1,879 $ 665 Twelve Months Ended September 30, 2018 September 30, 2017 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 6,027 3,088 5,400 1,003 Loan balance at time of charge off (in thousands) $ 7,385 $ 2,633 $ 5,113 $ 1,581
Components of Fees and Related Income on Earning Assets [Table Text Block]	For the three months ended September 30, For the nine months ended September 30, 2018 2017 2018 2017 Fees on credit products $ 6,823 $ 3,248 $ 17,226 $ 6,351 Changes in fair value of loans and fees receivable recorded at fair value 2,102 1,153 2,597 2,718 Changes in fair value of notes payable associated with structured financings recorded at fair value 577 259 3,020 1,786 Rental revenue — — — 148 Other 34 (494 ) 1 (65 ) Total fees and related income on earning assets $ 9,536 $ 4,166 $ 22,844 $ 10,938
Disaggregation of Revenue [Table Text Block]	Credit and Three months ended September 30, 2018 Other Investments Auto Finance Total Interchange revenues, net (1) $ 707 $ — $ 707 Servicing income 122 260 382 Service charges and other customer related fees 174 17 191 Total Other income $ 1,003 $ 277 $ 1,280 Credit and Nine months ended September 30, 2018 Other Investments Auto Finance Total Interchange revenues, net (1) $ 1,846 $ — $ 1,846 Servicing income 862 784 1,646 Service charges and other customer related fees 288 51 339 Total Other income $ 2,996 $ 835 $ 3,831

Note 3 - Segment Reporting (Tab

Note 3 - Segment Reporting (Tables)	9 Months Ended
	Sep. 30, 2018
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Three months ended September 30, 2018 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 34,164 $ 7,737 $ 41,901 Other 51 — 51 Total interest income 34,215 7,737 41,952 Interest expense (8,920 ) (361 ) (9,281 ) Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable $ 25,295 $ 7,376 $ 32,671 Fees and related income on earning assets $ 9,509 $ 27 $ 9,536 Servicing income $ 122 $ 260 $ 382 Equity in loss of equity-method investees $ (49 ) $ — $ (49 ) (Loss) income before income taxes $ (19,079 ) $ 3,030 $ (16,049 ) Income tax benefit (expense) $ 1,055 $ (1,176 ) $ (121 ) Nine months ended September 30, 2018 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 93,028 $ 22,297 $ 115,325 Other 137 — 137 Total interest income 93,165 22,297 115,462 Interest expense (25,274 ) (967 ) (26,241 ) Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable $ 67,891 $ 21,330 $ 89,221 Fees and related income on earning assets $ 22,781 $ 63 $ 22,844 Servicing income $ 862 $ 784 $ 1,646 Equity in income of equity-method investees $ 491 $ — $ 491 (Loss) income before income taxes $ (28,329 ) $ 8,282 $ (20,047 ) Income tax benefit (expense) $ 6,694 $ (1,961 ) $ 4,733 Total assets $ 387,430 $ 73,579 $ 461,009 Three months ended September 30, 2017 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 21,901 $ 7,084 $ 28,985 Other 34 — 34 Total interest income 21,935 7,084 29,019 Interest expense (6,998 ) (270 ) (7,268 ) Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable $ 14,937 $ 6,814 $ 21,751 Fees and related income on earning assets $ 4,137 $ 29 $ 4,166 Servicing income $ 831 $ 203 $ 1,034 Equity in income of equity-method investees $ 164 $ — $ 164 (Loss) income before income taxes $ (16,547 ) $ 2,057 $ (14,490 ) Income tax benefit (expense) $ 655 $ (633 ) $ 22 Nine months ended September 30, 2017 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 60,320 $ 21,137 $ 81,457 Other 178 — 178 Total interest income 60,498 21,137 81,635 Interest expense (18,758 ) (746 ) (19,504 ) Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable $ 41,740 $ 20,391 $ 62,131 Fees and related income on earning assets $ 10,859 $ 79 $ 10,938 Servicing income $ 2,332 $ 652 $ 2,984 Depreciation of rental merchandise $ (27 ) $ — $ (27 ) Equity in income of equity-method investees $ 902 $ — $ 902 (Loss) income before income taxes $ (32,071 ) $ 5,702 $ (26,369 ) Income tax benefit (expense) $ 5,677 $ (1,830 ) $ 3,847 Total assets $ 363,526 $ 65,541 $ 429,067

Note 5 - Investment in Equity_2

Note 5 - Investment in Equity-method Investee (Tables)	9 Months Ended
	Sep. 30, 2018
Notes Tables
Equity Method Investments [Table Text Block]	As of September 30, 2018 December 31, 2017 Loans and fees receivables, at fair value $ 4,151 $ 6,123 Total assets $ 4,298 $ 6,392 Total liabilities $ 20 $ 26 Members’ capital $ 4,278 $ 6,366 Three months ended September 30, Nine months ended September 30, 2018 2017 2018 2017 Net interest income, fees and related income (loss) on earning assets $ (73 ) $ 607 $ 739 $ 1,111 Net income (loss) $ (135 ) $ 511 $ 534 $ 908 Net income (loss) attributable to our equity investment investee $ (49 ) $ 164 $ 491 $ 902

Note 6 - Fair Values of Asset_2

Note 6 - Fair Values of Assets and Liabilities (Tables)	9 Months Ended
	Sep. 30, 2018
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Assets – As of September 30, 2018 (1) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Assets Loans and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 395,920 $ 372,018 Loans and fees receivable, at fair value $ — $ — $ 7,125 $ 7,125 Assets – As of December 31, 2017 (1) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Assets Loans and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 324,945 $ 293,972 Loans and fees receivable, at fair value $ — $ — $ 11,109 $ 11,109
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Loans and Fees Receivables, at Fair Value 2018 2017 Balance at January 1, $ 11,109 $ 15,648 Total gains—realized/unrealized: Net revaluations of loans and fees receivable, at fair value 2,597 2,718 Settlements (6,567 ) (6,398 ) Impact of foreign currency translation (14 ) 51 Balance at September 30, $ 7,125 $ 12,019
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Fair Value Measurements Fair Value at September 30, 2018 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans and fees receivable, at fair value $ 7,125 Discounted cash flows Gross yield 25.8% to 30.0% (26.3%) Principal payment rate 2.3% to 3.3% (2.4%) Expected credit loss rate 9.3% to 11.0% (9.5%) Servicing rate 12.8% to 16.4% (13.3%) Discount rate 14.6% to 14.6% (14.6%) Fair Value Measurements Fair Value at December 31, 2017 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans and fees receivable, at fair value $ 11,109 Discounted cash flows Gross yield 15.8% to 27.4% (24.5%) Principal payment rate 1.9% to 3.6% (2.6%) Expected credit loss rate 9.4% to 10.4% (9.7%) Servicing rate 10.2% to 12.3% (10.5%) Discount rate 6.0% to 14.2% (12.8%) Fair Value Measurements Fair Value at September 30, 2018 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 6,220 Discounted cash flows Gross yield 25.8 % Principal payment rate 2.3 % Expected credit loss rate 9.3 % Discount rate 14.6 % Fair Value Measurements Fair Value at December 31, 2017 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 9,240 Discounted cash flows Gross yield 25.9 % Principal payment rate 2.5 % Expected credit loss rate 9.4 % Discount rate 14.2 %
Fair Value, Liabilities Measured on Recurring Basis [Table Text Block]	Liabilities – As of September 30, 2018 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Liabilities Liabilities not carried at fair value Revolving credit facilities $ — $ — $ 223,593 $ 223,593 Amortizing debt facilities $ — $ — $ 69,705 $ 69,705 Senior secured term loan $ — $ — $ 40,000 $ 40,000 5.875% convertible senior notes $ — $ 46,788 $ — $ 61,975 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 6,220 $ 6,220 Liabilities - As of December 31, 2017 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Liabilities Liabilities not carried at fair value Revolving credit facilities $ — $ — $ 160,854 $ 160,854 Amortizing debt facilities $ — $ — $ 65,384 $ 65,384 Senior secured term loan $ — $ — $ 40,000 $ 40,000 5.875% convertible senior notes $ — $ 43,588 $ — $ 61,393 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 9,240 $ 9,240
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Notes Payable Associated with Structured Financings, at Fair Value 2018 2017 Beginning balance, January 1, $ 9,240 $ 12,276 Total (gains) losses—realized/unrealized: Net revaluations of notes payable associated with structured financings, at fair value (3,020 ) (1,786 ) Repayments on outstanding notes payable, net — (721 ) Ending balance, September 30, $ 6,220 $ 9,769
Fair Value Option, Disclosures [Table Text Block]	As of September 30, 2018 Loans and Fees Receivable at Fair Value Loans and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid principal balance within loans and fees receivable that are reported at fair value $ 1,306 $ 8,437 Aggregate fair value of loans and fees receivable that are reported at fair value $ 905 $ 6,220 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 2 $ 7 Aggregate excess of balance of unpaid principal receivables within loans and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans and fees receivable $ 26 $ 218 As of December 31, 2017 Loans and Fees Receivable at Fair Value Loans and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid principal balance within loans and fees receivable that are reported at fair value $ 4,416 $ 11,349 Aggregate fair value of loans and fees receivable that are reported at fair value $ 1,869 $ 9,240 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 5 $ 17 Aggregate excess of balance of unpaid principal receivables within loans and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans and fees receivable $ 107 $ 369 Notes Payable Notes Payable Associated with Structured Financings, at Fair Value as of September 30, 2018 Notes Payable Associated with Structured Financings, at Fair Value as of December 31, 2017 Aggregate unpaid principal balance of notes payable $ 101,314 $ 101,314 Aggregate fair value of notes payable $ 6,220 $ 9,240

Note 7 - Notes Payable (Tables)

Note 7 - Notes Payable (Tables)	9 Months Ended
	Sep. 30, 2018
Notes Tables
Schedule of Debt [Table Text Block]	As of September 30, 2018 December 31, 2017 Revolving credit facilities at a weighted average interest rate equal to 9.8% at September 30, 2018 (7.8% at December 31, 2017) secured by the financial and operating assets of CAR and/or certain receivables and restricted cash with a combined aggregate carrying amount of $315.1 million as of September 30, 2018 ($216.0 million at December 31, 2017) Revolving credit facility, not to exceed $40.0 million (expiring November 1, 2019) (1) 30.1 24.8 Revolving credit facility, not to exceed $50.0 million (expiring October 30, 2019) (2) (3) (4) 49.5 49.4 Revolving credit facility, not to exceed $12.0 million (expiring December 21, 2019) (2) (3) (4) 10.8 3.8 Revolving credit facility, not to exceed $20.0 million (expiring December 31, 2019) (2) (3) (4) 19.8 19.8 Revolving credit facility, not to exceed $90.0 million (expiring February 8, 2022) (2) (5) 47.0 65.0 Revolving credit facility, not to exceed $100.0 million (expiring June 11, 2020) (2) (5) 68.8 — Revolving credit facility, not to exceed $15.0 million (expiring June 25, 2020) (2) (3) (4) 13.3 7.5 Revolving credit facility, not to exceed $50.0 million (expiring September 19, 2021) (2) (3) (4) 10.0 — Amortizing facilities at a weighted average interest rate equal to 6.7% at September 30, 2018 (6.0% at December 31, 2017) secured by certain receivables and restricted cash with a combined aggregate carrying amount of $61.2 million as of September 30, 2018 ($77.9 million as of December 31, 2017) Amortizing debt facility (repaid in March 2018) (2) (3) (6) — 3.7 Amortizing debt facility (repaid in June 2018) (2) (3) (6) — 18.3 Amortizing debt facility (repaid in September 2018) (2) (3) — 6.0 Amortizing debt facility (expiring November 30, 2018) (2) (3) (4) (6) 3.7 20.5 Amortizing debt facility (expiring April 22, 2019) (2) (3) (4) (6) 15.2 10.0 Amortizing debt facility (expiring September 29, 2019) (2) (3) (4) (6) 28.7 — Other facilities Senior secured term loan to related parties (expiring November 21, 2018) that is secured by certain assets of the Company with an annual rate equal to 9.0% (5) 40.0 40.0 Total notes payable before unamortized debt issuance costs and discounts 336.9 268.8 Unamortized debt issuance costs and discounts (3.6 ) (2.6 ) Total notes payable outstanding $ 333.3 $ 266.2
Structured Financing Notes Payable [Member]
Notes Tables
Schedule of Debt [Table Text Block]	Carrying Amounts at Fair Value as of September 30, 2018 December 31, 2017 Amortizing securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of September 30, 2018 ($101.3 million as of December 31, 2017) bearing interest at a weighted average 7.3% interest rate at September 30, 2018 (6.7% at December 31, 2017), which is secured by credit card receivables and restricted cash aggregating $6.2 million as of September 30, 2018 ($9.2 million as of December 31, 2017) in carrying amount $ 6.2 $ 9.2

Note 8 - Convertible Senior N_2

Note 8 - Convertible Senior Notes (Tables)	9 Months Ended
	Sep. 30, 2018
Notes Tables
Schedule of Long-term Debt Instruments [Table Text Block]	As of September 30, 2018 December 31, 2017 Face amount of 5.875% convertible senior notes $ 88,280 $ 88,280 Discount (26,305 ) (26,887 ) Net carrying value $ 61,975 $ 61,393 Carrying amount of equity component included in additional paid-in capital $ 108,714 $ 108,714 Excess of instruments’ if-converted values over face principal amounts $ — $ —

Note 10 - Net Loss Attributab_2

Note 10 - Net Loss Attributable to Controlling Interests Per Common Share (Tables)	9 Months Ended
	Sep. 30, 2018
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Three Months Ended September 30, For the Nine Months Ended September 30, 2018 2017 2018 2017 Numerator: Net loss attributable to controlling interests $ (16,092 ) $ (14,467 ) $ (15,132 ) $ (22,523 ) Denominator: Basic (including unvested share-based payment awards) (1) 13,908 13,984 13,898 13,964 Effect of dilutive stock compensation arrangements (2) — 13 — 23 Diluted (including unvested share-based payment awards) (1) 13,908 13,997 13,898 13,987 Net loss attributable to controlling interests per common share—basic $ (1.16 ) $ (1.04 ) $ (1.09 ) $ (1.61 ) Net loss attributable to controlling interests per common share—diluted $ (1.16 ) $ (1.04 ) $ (1.09 ) $ (1.61 )

Note 11 - Stock-based Compens_2

Note 11 - Stock-based Compensation (Tables)	9 Months Ended
	Sep. 30, 2018
Notes Tables
Share-based Compensation, Stock Options, Activity [Table Text Block]	September 30, 2018 Number of Shares Weighted-Average Exercise Price Weighted-Average of Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at December 31, 2017 2,619,334 $ 3.04 Issued 33,500 $ 1.77 Exercised (14,000 ) $ 2.27 Cancelled/Forfeited (11,334 ) $ 3.04 Outstanding at September 30, 2018 2,627,500 $ 3.02 2.6 $ 403,800 Exercisable at September 30, 2018 1,165,316 $ 3.10 1.8 $ 180,126

Note 1 - Description of Our B_2

Note 1 - Description of Our Business (Details Textual)	9 Months Ended
	Sep. 30, 2018
Number of Reportable Segments	2

Note 2 - Significant Accounti_3

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Details Textual) - USD ($) $ in Thousands	1 Months Ended			3 Months Ended		9 Months Ended		12 Months Ended
	Jul. 31, 2018	Jun. 30, 2018	Dec. 31, 2014	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2017	Mar. 31, 2018
Loans and Leases Receivable, Deferred Income, Total				$ 40,615		$ 40,615		$ 36,956
Weighted Average Remaining Accretion Period of Deferred Revenue						1 year		330 days
Servicing Asset, Total				$ 5,200		$ 5,200
Effective Income Tax Rate Reconciliation, Percent, Total				0.80%	(0.20%)	(23.60%)	(14.60%)
Unrecognized Tax Benefits, Income Tax Penalties and Interest Expense, Total				$ 200		$ 600
Unrecognized Tax Benefits, Income Tax Penalties Expense				1,600		$ 1,500
Tax Adjustments, Settlements, and Unusual Provisions		$ 3,700	$ 7,400
Income Tax Examination, Interest Accrued									$ 4,300
Payment of Income Tax Settlement	$ 5,400
Proceeds from Income Tax Refunds				$ 500
Operating Leases, Future Minimum Payments Due, Total								$ 12,200

Note 2 - Significant Accounti_4

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Allowance for Uncollectible Loans and Fees Receivable (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2017
Allowance for uncollectible loans and fees receivable:
Balance at beginning of period	$ (54,800)	$ (41,200)	$ (63,000)	$ (43,300)
Provision for loan losses	(32,798)	(24,087)	(65,265)	(50,484)
Charge offs	20,900	14,400	64,600	46,200
Recoveries	(1,600)	(1,200)	(4,600)	(4,500)
Balance at end of period	(68,300)	(52,100)	(68,300)	(52,100)
Balance at end of period individually evaluated for impairment	(100)		(100)		$ (400)
Balance at end of period collectively evaluated for impairment	(68,200)		(68,200)		(62,600)
Loans and fees receivable:
Loans and fees receivable, gross	480,891		480,891		393,898
Loans and fees receivable individually evaluated for impairment	300		300		600
Loans and fees receivable collectively evaluated for impairment	480,600		480,600		393,300
Credit Card Receivable [Member]
Allowance for uncollectible loans and fees receivable:
Balance at beginning of period	(19,900)	(3,200)	(18,200)	(1,400)
Provision for loan losses	(14,000)	(6,200)	(29,100)	(8,100)
Charge offs	7,400	700	20,900	1,900
Recoveries	(200)	(100)	(300)	(1,200)
Balance at end of period	(26,700)	(8,800)	(26,700)	(8,800)
Balance at end of period individually evaluated for impairment
Balance at end of period collectively evaluated for impairment	(26,700)		(26,700)		(18,200)
Loans and fees receivable:
Loans and fees receivable, gross	146,800		146,800		87,200
Loans and fees receivable individually evaluated for impairment
Loans and fees receivable collectively evaluated for impairment	146,800		146,800		87,200
Automobile Loan [Member]
Allowance for uncollectible loans and fees receivable:
Balance at beginning of period	(1,500)	(2,000)	(2,300)	(2,100)
Provision for loan losses	300	(200)	600	(1,000)
Charge offs	400	500	1,400	2,100
Recoveries	(200)	(300)	(700)	(1,000)
Balance at end of period	(1,000)	(2,000)	(1,000)	(2,000)
Balance at end of period individually evaluated for impairment	(100)		(100)		(200)
Balance at end of period collectively evaluated for impairment	(900)		(900)		(2,100)
Loans and fees receivable:
Loans and fees receivable, gross	85,300		85,300		77,800
Loans and fees receivable individually evaluated for impairment	200		200		400
Loans and fees receivable collectively evaluated for impairment	85,100		85,100		77,400
Other Unsecured Lending Products [Member]
Allowance for uncollectible loans and fees receivable:
Balance at beginning of period	(33,400)	(36,000)	(42,500)	(39,800)
Provision for loan losses	(19,100)	(17,700)	(36,800)	(41,400)
Charge offs	13,100	13,200	42,300	42,200
Recoveries	(1,200)	(800)	(3,600)	(2,300)
Balance at end of period	(40,600)	$ (41,300)	(40,600)	$ (41,300)
Balance at end of period individually evaluated for impairment					(200)
Balance at end of period collectively evaluated for impairment	(40,600)		(40,600)		(42,300)
Loans and fees receivable:
Loans and fees receivable, gross	248,800		248,800		228,900
Loans and fees receivable individually evaluated for impairment	100		100		200
Loans and fees receivable collectively evaluated for impairment	$ 248,700		$ 248,700		$ 228,700

Note 2 - Significant Accounti_5

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Aging of Delinquent Loans and Fees Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Delinquent loans and fees receivable, gross	$ 62,400	$ 53,600
Current loans and fees receivable, gross	418,500	340,300
Loans and fees receivable, gross	480,891	393,898
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,300	1,600
Financing Receivables, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	21,200	18,600
Financing Receivables, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	13,900	12,500
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	27,300	22,500
Credit Card Receivable [Member]
Delinquent loans and fees receivable, gross	17,800	11,400
Current loans and fees receivable, gross	129,000	75,800
Loans and fees receivable, gross	146,800	87,200
Balance of loans greater than 90-days delinquent still accruing interest and fees
Credit Card Receivable [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	4,600	3,200
Credit Card Receivable [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	4,100	3,300
Credit Card Receivable [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	9,100	4,900
Automobile Loan [Member]
Delinquent loans and fees receivable, gross	11,300	10,400
Current loans and fees receivable, gross	74,000	67,400
Loans and fees receivable, gross	85,300	77,800
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,300	1,600
Automobile Loan [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	7,600	6,400
Automobile Loan [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	2,200	2,100
Automobile Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	1,500	1,900
Other Unsecured Lending Products [Member]
Delinquent loans and fees receivable, gross	33,300	31,800
Current loans and fees receivable, gross	215,500	197,100
Loans and fees receivable, gross	248,800	228,900
Balance of loans greater than 90-days delinquent still accruing interest and fees
Other Unsecured Lending Products [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	9,000	9,000
Other Unsecured Lending Products [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	7,600	7,100
Other Unsecured Lending Products [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	$ 16,700	$ 15,700

Note 2 - Significant Accounti_6

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Troubled Debt Restructurings (Details) $ in Thousands		9 Months Ended
		Sep. 30, 2018USD ($)	Sep. 30, 2017USD ($)	Dec. 31, 2017USD ($)
Point-of-Sale [Member]
Number of accounts on non-accrual status		13,477		11,432
Amount of receivables on non-accrual status (in thousands)		$ 19,352		$ 17,169
Carrying value of receivables on non-accrual status (in thousands)		$ 5,425		4,247
Number of accounts		6,027	5,400
Loan balance at time of charge off (in thousands)		$ 7,385	$ 5,113
Point-of-Sale [Member] | Performing Financial Instruments [Member]
Carrying value of receivables on non-accrual status (in thousands)	[1]	3,306		2,368
Point-of-Sale [Member] | Nonperforming Financial Instruments [Member]
Carrying value of receivables on non-accrual status (in thousands)	[1]	$ 2,119		$ 1,879
Point-of-Sale [Member] | Extended Maturity [Member]
Number of accounts on non-accrual status		1,359		915
Amount of receivables on non-accrual status (in thousands)		$ 2,541		$ 1,570
Direct-to-Consumer [Member]
Number of accounts on non-accrual status		10,041		6,681
Amount of receivables on non-accrual status (in thousands)		$ 10,858		$ 7,067
Carrying value of receivables on non-accrual status (in thousands)		$ 1,889		1,173
Number of accounts		3,088	1,003
Loan balance at time of charge off (in thousands)		$ 2,633	$ 1,581
Direct-to-Consumer [Member] | Performing Financial Instruments [Member]
Carrying value of receivables on non-accrual status (in thousands)	[1]	1,129		508
Direct-to-Consumer [Member] | Nonperforming Financial Instruments [Member]
Carrying value of receivables on non-accrual status (in thousands)	[1]	$ 760		$ 665
Direct-to-Consumer [Member] | Extended Maturity [Member]
Number of accounts on non-accrual status		504		80
Amount of receivables on non-accrual status (in thousands)		$ 524		$ 86
[1]	"TDRs - Performing" include accounts that are current on all amounts owed, while "TDRs - Nonperforming" include all accounts with past due amounts owed.

Note 2 - Significant Accounti_7

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Fees and Related Income on Earning Assets (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Fees on credit products	$ 6,823	$ 3,248	$ 17,226	$ 6,351
Changes in fair value of loans and fees receivable recorded at fair value	2,102	1,153	2,597	2,718
Changes in fair value of notes payable associated with structured financings recorded at fair value	577	259	3,020	1,786
Rental revenue				148
Other	34	(494)	1	(65)
Total fees and related income on earning assets	$ 9,536	$ 4,166	$ 22,844	$ 10,938

Note 2 - Significant Accounti_8

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Components of Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Revenue from contracts with customers		$ 1,280		$ 3,831
Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	707		1,846
Servicing Income [Member]
Revenue from contracts with customers		382	$ 1,034	1,646	$ 2,984
Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		191		339
Credit and Other Investments [Member]
Revenue from contracts with customers		1,003		2,996
Credit and Other Investments [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	707		1,846
Credit and Other Investments [Member] | Servicing Income [Member]
Revenue from contracts with customers		122	831	862	2,332
Credit and Other Investments [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		174		288
Auto Finance [Member]
Revenue from contracts with customers		277		835
Auto Finance [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]
Auto Finance [Member] | Servicing Income [Member]
Revenue from contracts with customers		260	$ 203	784	$ 652
Auto Finance [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		$ 17		$ 51
[1]	Interchange revenue is presented net of customer reward expense

Note 3 - Segment Reporting (Det

Note 3 - Segment Reporting (Details Textual)	9 Months Ended
	Sep. 30, 2018
Number of Reportable Segments	2

Note 3 - Segment Reporting - Su

Note 3 - Segment Reporting - Summary of Operating Segment Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2017
Consumer loans, including past due fees	$ 41,901	$ 28,985	$ 115,325	$ 81,457
Other	51	34	137	178
Total interest income	41,952	29,019	115,462	81,635
Interest expense	(9,281)	(7,268)	(26,241)	(19,504)
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable	32,671	21,751	89,221	62,131
Fees and related income on earning assets	9,536	4,166	22,844	10,938
Servicing income	1,280		3,831
Equity in income (loss) of equity-method investees	(49)	164	491	902
(Loss) income before income taxes	(16,049)	(14,490)	(20,047)	(26,369)
Income tax benefit (expense)	(121)	22	4,733	3,847
Total assets	461,009	429,067	461,009	429,067	$ 425,613
Depreciation of rental merchandise				(27)
Servicing Income [Member]
Servicing income	382	1,034	1,646	2,984
Credit and Other Investments [Member]
Consumer loans, including past due fees	34,164	21,901	93,028	60,320
Other	51	34	137	178
Total interest income	34,215	21,935	93,165	60,498
Interest expense	(8,920)	(6,998)	(25,274)	(18,758)
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable	25,295	14,937	67,891	41,740
Fees and related income on earning assets	9,509	4,137	22,781	10,859
Servicing income	1,003		2,996
Equity in income (loss) of equity-method investees	(49)	164	491	902
(Loss) income before income taxes	(19,079)	(16,547)	(28,329)	(32,071)
Income tax benefit (expense)	1,055	655	6,694	5,677
Total assets	387,430	363,526	387,430	363,526
Depreciation of rental merchandise				(27)
Credit and Other Investments [Member] | Servicing Income [Member]
Servicing income	122	831	862	2,332
Auto Finance [Member]
Consumer loans, including past due fees	7,737	7,084	22,297	21,137
Other
Total interest income	7,737	7,084	22,297	21,137
Interest expense	(361)	(270)	(967)	(746)
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable	7,376	6,814	21,330	20,391
Fees and related income on earning assets	27	29	63	79
Servicing income	277		835
Equity in income (loss) of equity-method investees
(Loss) income before income taxes	3,030	2,057	8,282	5,702
Income tax benefit (expense)	(1,176)	(633)	(1,961)	(1,830)
Total assets	73,579	65,541	73,579	65,541
Depreciation of rental merchandise
Auto Finance [Member] | Servicing Income [Member]
Servicing income	$ 260	$ 203	$ 784	$ 652

Note 4 - Shareholders' Equity (

Note 4 - Shareholders' Equity (Details Textual) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2017
Stock Repurchased and Retired During Period, Shares	260,060	107,916	279,519	114,618
Stock Repurchased and Retired During Period, Value	$ 676,000	$ 268,000	$ 717,000	$ 286,000
Own-share Lending Arrangement, Shares, Outstanding	1,459,233		1,459,233		1,459,233

Note 5 - Investment in Equity_3

Note 5 - Investment in Equity-method Investee (Details Textual)	Sep. 30, 2018
Equity Method Investment, Ownership Percentage	66.70%

Note 5 - Investment in Equity_4

Note 5 - Investment in Equity-method Investee - Summary of Equity-method Investee (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2017
Loans and fees receivables, at fair value	$ 4,151		$ 4,151		$ 6,123
Total assets	4,298		4,298		6,392
Total liabilities	20		20		26
Members’ capital	4,278		4,278		$ 6,366
Net interest income, fees and related income (loss) on earning assets	(73)	$ 607	739	$ 1,111
Net income (loss)	(135)	511	534	908
Equity in income (loss) of equity-method investees	$ (49)	$ 164	$ 491	$ 902

Note 6 - Fair Values of Asset_3

Note 6 - Fair Values of Assets and Liabilities - Summary of Fair Value Hierarchy for Assets (Details) - USD ($) $ in Thousands		Sep. 30, 2018	Dec. 31, 2017
Loans and fees receivable, at fair value		$ 7,125	$ 11,109
Fair Value, Measurements, Recurring [Member]
Loans and fees receivable, net for which it is practicable to estimate fair value	[1]	372,018	293,972
Loans and fees receivable, at fair value	[1]	7,125	11,109
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Loans and fees receivable, net for which it is practicable to estimate fair value	[1]
Loans and fees receivable, at fair value	[1]
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Loans and fees receivable, net for which it is practicable to estimate fair value	[1]
Loans and fees receivable, at fair value	[1]
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Loans and fees receivable, net for which it is practicable to estimate fair value	[1]	395,920	324,945
Loans and fees receivable, at fair value	[1]	$ 7,125	$ 11,109
[1]	For cash, deposits and other short-term investments, the carrying amount is a reasonable estimate of fair value.

Note 6 - Fair Values of Asset_4

Note 6 - Fair Values of Assets and Liabilities - Reconciliation of Level 3 Assets (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017
Balance	$ 11,109	$ 15,648
Net revaluations of loans and fees receivable, at fair value	2,597	2,718
Settlements	(6,567)	(6,398)
Impact of foreign currency translation	(14)	51
Balance	$ 7,125	$ 12,019

Note 6 - Fair Values of Asset_5

Note 6 - Fair Values of Assets and Liabilities - Quantitative Information about Level 3 Assets and Liabilities Fair Value Measurements (Details) $ in Thousands	Sep. 30, 2018USD ($)	Dec. 31, 2017USD ($)
Loans and fees receivable, at fair value	$ 7,125	$ 11,109
Amortizing securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of September 30, 2018 ($101.3 million as of December 31, 2017) bearing interest at a weighted average 7.3% interest rate at September 30, 2018 (6.7% at December 31, 2017), which is secured by credit card receivables and restricted cash aggregating $6.2 million as of September 30, 2018 ($9.2 million as of December 31, 2017) in carrying amount	6,220	9,240
Valuation Technique, Discounted Cash Flow [Member]
Loans and fees receivable, at fair value	7,125	11,109
Amortizing securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of September 30, 2018 ($101.3 million as of December 31, 2017) bearing interest at a weighted average 7.3% interest rate at September 30, 2018 (6.7% at December 31, 2017), which is secured by credit card receivables and restricted cash aggregating $6.2 million as of September 30, 2018 ($9.2 million as of December 31, 2017) in carrying amount	$ 6,220	$ 9,240
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.258	0.158
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.3	0.274
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.263	0.245
Notes payable associated with structured financings, measurement input	0.258	0.259
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.023	0.019
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.033	0.036
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.024	0.026
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Prepayment Rate [Member] | Weighted Average [Member]
Notes payable associated with structured financings, measurement input	0.023	0.025
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.093	0.094
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.11	0.104
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.095	0.097
Notes payable associated with structured financings, measurement input	0.093	0.094
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.128	0.102
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.164	0.123
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.133	0.105
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.146	0.06
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.146	0.142
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.146	0.128
Notes payable associated with structured financings, measurement input	0.146	0.142

Note 6 - Fair Values of Asset_6

Note 6 - Fair Values of Assets and Liabilities - Summary of Fair Value Hierarchy for Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Revolving credit facilities	$ 223,593	$ 160,854
Amortizing debt facilities	69,705	65,384
Senior secured term loan	40,000	40,000
5.875% convertible senior notes	61,975	61,393
Notes payable associated with structured financings, at fair value	6,220	9,240
Fair Value, Inputs, Level 1 [Member]
Revolving credit facilities
Amortizing debt facilities
Senior secured term loan
5.875% convertible senior notes
Notes payable associated with structured financings, at fair value
Fair Value, Inputs, Level 2 [Member]
Revolving credit facilities
Amortizing debt facilities
Senior secured term loan
5.875% convertible senior notes	46,788	43,588
Notes payable associated with structured financings, at fair value
Fair Value, Inputs, Level 3 [Member]
Revolving credit facilities	223,593	160,854
Amortizing debt facilities	69,705	65,384
Senior secured term loan	40,000	40,000
5.875% convertible senior notes
Notes payable associated with structured financings, at fair value	$ 6,220

Note 6 - Fair Values of Asset_7

Note 6 - Fair Values of Assets and Liabilities - Summary of Fair Value Hierarchy for Liabilities (Details) (Parentheticals)	Dec. 31, 2017
Senior secured term loan from related party, interest rate	5.875%

Note 6 - Fair Values of Asset_8

Note 6 - Fair Values of Assets and Liabilities - Reconciliation of Level 3 Liabilities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Balance			$ 9,240	$ 12,276
Net revaluations of notes payable associated with structured financings, at fair value	$ (577)	$ (259)	(3,020)	(1,786)
Repayments on outstanding notes payable, net				(721)
Balance	$ 6,220	$ 9,769	$ 6,220	$ 9,769

Note 6 - Fair Values of Asset_9

Note 6 - Fair Values of Assets and Liabilities - Summary of Other Relevant Data (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Loans and fees receivable, at fair value	$ 7,125	$ 11,109
Loans and Fees Receivable at Fair Value [Member]
Aggregate unpaid principal balance within loans and fees receivable that are reported at fair value	1,306	4,416
Loans and fees receivable, at fair value	905	1,869
Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies)	2	5
Aggregate excess of balance of unpaid principal receivables within loans and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans and fees receivable	26	107
Structured Financing Notes Payable [Member]
Aggregate unpaid principal balance within loans and fees receivable that are reported at fair value	101,314	101,314
Aggregate fair value of notes payable	6,220	9,240
Loans and Fees Receivable Pledged as Collateral, Fair Value [Member]
Aggregate unpaid principal balance within loans and fees receivable that are reported at fair value	8,437	11,349
Loans and fees receivable, at fair value	6,220	9,240
Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies)	7	17
Aggregate excess of balance of unpaid principal receivables within loans and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans and fees receivable	$ 218	$ 369

Note 7 - Notes Payable (Details

Note 7 - Notes Payable (Details Textual) - USD ($) $ in Thousands	Nov. 14, 2018	Jun. 30, 2018	Nov. 30, 2017	Feb. 28, 2017	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2017	Nov. 26, 2014
Credit Card Receivables and Restricted Cash Carrying Amount as Security for Notes Payable					$ 6,200
Notes Payable Associated with Structured Financings, Fair Value					6,220		$ 9,240
Aggregate Exposure to Pretax Equity Loss, Structured Financing at Fair Value					0
Long-term Line of Credit, Total					223,593		$ 160,854
Debt Instrument, Interest Rate, Stated Percentage							5.875%
Proceeds from Issuance of Long-term Debt, Total					337,565	$ 243,945
Subsequent Event [Member]
Proceeds from Issuance of Long-term Debt, Total	$ 167,300
Asset Backed Securities, Weighted Average Interest Rate	5.76%
Trust Funding Notes Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity				$ 90,000
Long-term Line of Credit, Total					$ 47,000
Line of Credit Facility, Expiration Date				Feb. 8, 2022
Trust Funding Notes Facility [Member] | Minimum [Member]
Debt Instrument, Interest Rate, Stated Percentage					8.00%
Trust Funding Notes Facility [Member] | Maximum [Member]
Debt Instrument, Interest Rate, Stated Percentage					14.00%
Additional Trust Funding Notes Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity		$ 100,000
Long-term Line of Credit, Total					$ 68,800
Line of Credit Facility, Expiration Date		Jun. 11, 2020
Debt Instrument, Basis Spread on Variable Rate		4.25%
Dove Ventures, LLC [Member] | Senior Secured Term Loan Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity								$ 40,000
Long-term Line of Credit, Total					$ 40,000
Line of Credit Facility, Expiration Date			Nov. 21, 2018
Debt Instrument, Interest Rate, Stated Percentage								9.00%

Note 7 - Notes Payable - Schedu

Note 7 - Notes Payable - Schedule of Structured Financing Notes Payable (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Amortizing securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of September 30, 2018 ($101.3 million as of December 31, 2017) bearing interest at a weighted average 7.3% interest rate at September 30, 2018 (6.7% at December 31, 2017), which is secured by credit card receivables and restricted cash aggregating $6.2 million as of September 30, 2018 ($9.2 million as of December 31, 2017) in carrying amount	$ 6,220	$ 9,240
Structured Financing Notes Payable [Member]
Amortizing securitization facility, outstanding face amount	101,300	101,300
Amortizing securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of September 30, 2018 ($101.3 million as of December 31, 2017) bearing interest at a weighted average 7.3% interest rate at September 30, 2018 (6.7% at December 31, 2017), which is secured by credit card receivables and restricted cash aggregating $6.2 million as of September 30, 2018 ($9.2 million as of December 31, 2017) in carrying amount	$ 6,200	$ 9,200

Note 7 - Notes Payable - Sche_2

Note 7 - Notes Payable - Schedule of Structured Financing Notes Payable (Details) (Parentheticals) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2018	Dec. 31, 2017
Amortizing securitization facility, amount secured by credit card receivables and restricted cash	$ 6,200
Structured Financing Notes Payable [Member]
Amortizing securitization facility, maturity date	Dec. 31, 2021	Dec. 31, 2021
Amortizing securitization facility, outstanding face amount	$ 101,300	$ 101,300
Amortizing securitization facility, weighted average interest rate	7.30%	6.70%
Amortizing securitization facility, amount secured by credit card receivables and restricted cash	$ 6,200	$ 9,200

Note 7 - Notes Payable - Sche_3

Note 7 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) - USD ($) $ in Thousands		Sep. 30, 2018	Dec. 31, 2017
Revolving credit facilities		$ 223,593	$ 160,854
Amortizing debt facilities		69,705	65,384
Senior secured term loan		40,000	40,000
Total notes payable before unamortized debt issuance costs and discounts		336,900	268,800
Unamortized debt issuance costs and discounts		(3,600)	(2,600)
Total notes payable outstanding		333,300	266,200
Amortizing Debt Facility Repaid March 2018 [Member]
Amortizing debt facilities	[1],[2],[3]		3,700
Amortizing Debt Facility Repaid June 2018 [Member]
Amortizing debt facilities	[1],[2],[3]		18,300
Amortizing Debt Facility Repaid September 2018 [Member]
Amortizing debt facilities	[2],[3]		6,000
Amortizing Debt Facility Expiring November 30, 2018 [Member]
Amortizing debt facilities	[1],[2],[3],[4]	3,700	20,500
Amortizing Debt Facility Expiring April 22, 2019 [Member]
Amortizing debt facilities	[1],[2],[3],[4]	15,200	10,000
Amortizing Debt Facility Expiring September 29, 2019 [Member]
Amortizing debt facilities	[1],[2],[3],[4]	28,700
Senior Secured Term Loan Facility [Member]
Senior secured term loan	[5]	40,000	40,000
Revolving Credit Facility Expiring November 1, 2019 [Member]
Revolving credit facilities	[6]	30,100	24,800
Revolving Credit Facility Expiring October 30, 2019 [Member]
Revolving credit facilities	[2],[3],[4]	49,500	49,400
Revolving Credit Facility Expiring December 21, 2019 [Member]
Revolving credit facilities	[2],[3],[4]	10,800	3,800
Revolving Credit Facility Expiring December 31, 2019 [Member]
Revolving credit facilities	[2],[3],[4]	19,800	19,800
Revolving Credit Facility Expiring February 8, 2022 [Member]
Revolving credit facilities	[2],[5]	47,000	65,000
Revolving Credit Facility Expiring June 11, 2020 [Member]
Revolving credit facilities	[2],[5]	68,800
Revolving Credit Facility Expiring June 25, 2020 [Member]
Revolving credit facilities	[2],[3],[4]	13,300	7,500
Revolving Credit Facility Expiring September 19, 2021 [Member]
Revolving credit facilities	[2],[3],[4]	$ 10,000
[1]	Loans are comprised of five tranches with the same lenders. Terms and conditions are substantially identical with the exception of maturity date as indicated in the table above.
[2]	Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes.
[3]	These notes reflect modifications to either extend the maturity date, increase the loaned amount or both.
[4]	Loans were paid down subsequent to September 30, 2018 as part of securitization discussed below.
[5]	See below for additional information.
[6]	Loan is subject to certain affirmative covenants, including a coverage ratio, a leverage ratio and a collateral performance test, the failure of which could result in required early repayment of all or a portion of the outstanding balance by our CAR Auto Finance operations.

Note 7 - Notes Payable - Sche_4

Note 7 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) (Parentheticals) - USD ($) $ in Millions		9 Months Ended	12 Months Ended
		Sep. 30, 2018	Dec. 31, 2017
Senior secured term loan from related party, interest rate			5.875%
Amortizing Debt Facility Expiring November 30, 2018 [Member]
Amortizing securitization facility, maturity date	[1],[2],[3],[4]	Nov. 30, 2018	Nov. 30, 2018
Amortizing Debt Facility Expiring April 22, 2019 [Member]
Amortizing securitization facility, maturity date	[1],[2],[3],[4]	Apr. 22, 2019	Apr. 22, 2019
Amortizing Debt Facility Expiring September 29, 2019 [Member]
Amortizing securitization facility, maturity date		Sep. 29, 2019	Sep. 29, 2019
Amortizing Debt Facility [Member]
Amortizing securitization facility, weighted average interest rate		6.70%	6.00%
Revolving credit facility, amount of securing assets		$ 61.2	$ 77.9
Senior Secured Term Loan Facility [Member]
Amortizing securitization facility, maturity date	[5]	Nov. 21, 2018	Nov. 21, 2018
Senior secured term loan from related party, interest rate	[5]	9.00%	9.00%
Revolving Credit Facility Expiring November 1, 2019 [Member]
Revolving credit facility, maximum borrowing capacity	[6]	$ 40	$ 40
Revolving credit facility, expiration date	[6]	Nov. 1, 2019	Nov. 1, 2019
Revolving Credit Facility Expiring October 30, 2019 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[3],[4]	$ 50	$ 50
Revolving credit facility, expiration date	[2],[3],[4]	Oct. 30, 2019	Oct. 30, 2019
Revolving Credit Facility Expiring December 21, 2019 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[3],[4]	$ 12	$ 12
Revolving credit facility, expiration date	[2],[3],[4]	Dec. 21, 2019	Dec. 21, 2019
Revolving Credit Facility Expiring December 31, 2019 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[3],[4]	$ 20	$ 20
Revolving credit facility, expiration date	[2],[3],[4]	Dec. 31, 2019	Dec. 31, 2019
Revolving Credit Facility Expiring February 8, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[5]	$ 90	$ 90
Revolving credit facility, expiration date	[2],[5]	Feb. 8, 2022	Feb. 8, 2022
Revolving Credit Facility Expiring June 11, 2020 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[5]	$ 100	$ 100
Revolving credit facility, expiration date	[2],[5]	Jun. 11, 2020	Jun. 11, 2020
Revolving Credit Facility Expiring June 25, 2020 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[3],[4]	$ 15	$ 15
Revolving credit facility, expiration date	[2],[3],[4]	Jun. 25, 2020	Jun. 25, 2020
Revolving Credit Facility Expiring September 19, 2021 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[3],[4]	$ 50	$ 50
Revolving credit facility, expiration date	[2],[3],[4]	Sep. 19, 2021	Sep. 19, 2021
Revolving Credit Facility [Member]
Amortizing securitization facility, weighted average interest rate		9.80%	7.80%
Revolving credit facility, amount of securing assets		$ 315.1	$ 216
[1]	Loans are comprised of five tranches with the same lenders. Terms and conditions are substantially identical with the exception of maturity date as indicated in the table above.
[2]	Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes.
[3]	Loans were paid down subsequent to September 30, 2018 as part of securitization discussed below.
[4]	These notes reflect modifications to either extend the maturity date, increase the loaned amount or both.
[5]	See below for additional information.
[6]	Loan is subject to certain affirmative covenants, including a coverage ratio, a leverage ratio and a collateral performance test, the failure of which could result in required early repayment of all or a portion of the outstanding balance by our CAR Auto Finance operations.

Note 8 - Convertible Senior N_3

Note 8 - Convertible Senior Notes (Details Textual) - USD ($) $ in Thousands	Nov. 30, 2005	Sep. 30, 2018	Dec. 31, 2017
Debt Instrument, Interest Rate, Stated Percentage			5.875%
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member] | Convertible Debt [Member]
Debt Instrument, Face Amount	$ 300,000	$ 88,280	$ 88,280
Debt Instrument, Interest Rate, Stated Percentage	5.875%	5.875%	5.875%
Debt Instrument, Maturity Date	Nov. 30, 2035

Note 8 - Convertible Senior N_4

Note 8 - Convertible Senior Notes - Summary of Convertible Senior Notes (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2018	Dec. 31, 2017	Nov. 30, 2005
Net carrying value	$ 61,975	$ 61,393
Carrying amount of equity component included in additional paid-in capital	108,714	108,714
Excess of instruments’ if-converted values over face principal amounts
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member] | Convertible Debt [Member]
Amortizing securitization facility, outstanding face amount	88,280	88,280	$ 300,000
Discount	$ (26,305)	$ (26,887)

Note 8 - Convertible Senior N_5

Note 8 - Convertible Senior Notes - Summary of Convertible Senior Notes (Details) (Parentheticals)	Sep. 30, 2018	Dec. 31, 2017	Nov. 30, 2005
Senior secured term loan from related party, interest rate		5.875%
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member] | Convertible Debt [Member]
Senior secured term loan from related party, interest rate	5.875%	5.875%	5.875%

Note 9 - Commitments and Cont_2

Note 9 - Commitments and Contingencies (Details Textual) $ in Millions	Sep. 30, 2018USD ($)
Pledged Assets, Other, Not Separately Reported on Statement of Financial Position, Total	$ 9.9
Unfunded Individual Credit Commitment [Member]
Other Commitment, Total	563.7
Unfunded Outstanding Floor-Plan Financing Commitment [Member]
Other Commitment, Total	$ 8.4

Note 10 - Net Loss Attributab_3

Note 10 - Net Loss Attributable to Controlling Interests Per Common Share (Details Textual)	3 Months Ended		9 Months Ended
	Sep. 30, 2018$ / sharesshares	Sep. 30, 2017shares	Sep. 30, 2018$ / sharesshares	Sep. 30, 2017shares
Weighted Average Number of Shares, Restricted Stock	315,707	238,967	217,245	318,253
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member]
Incremental Common Shares Attributable to Conversion of Debt Securities, Total	0	0	0	0
Debt Instrument, Convertible, Conversion Price | $ / shares	$ 24.61		$ 24.61
Debt Instrument, Convertible, Number of Equity Instruments			3,600,000

Note 10 - Net Loss Attributab_4

Note 10 - Net Loss Attributable to Controlling Interests Per Common Share - Summary of Earning Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Net loss attributable to controlling interests		$ (16,092)	$ (14,467)	$ (15,132)	$ (22,523)
Basic (including unvested share-based payment awards) (1) (in shares)	[1]	13,908	13,984	13,898	13,964
Effect of dilutive stock compensation arrangements (2) (in shares)	[2]		13		23
Diluted (including unvested share-based payment awards) (1) (in shares)		13,908	13,997	13,898	13,987
Net loss attributable to controlling interests per common share—basic (in dollars per share)		$ (1.16)	$ (1.04)	$ (1.09)	$ (1.61)
Net loss attributable to controlling interests per common share—diluted (in dollars per share)		$ (1.16)	$ (1.04)	$ (1.09)	$ (1.61)
[1]	Shares related to unvested share-based payment awards included in our basic and diluted share counts were 315,707 and 217,245, respectively, for the three and nine months ended September 30, 2018, compared to 238,967 and 318,253, respectively, for the three and nine months ended September 30, 2017.
[2]	The effect of dilutive stock compensation arrangements is shown only for informational purposes where we are in a net loss position. In such situations, the effect of including outstanding options and restricted stock would be anti-dilutive, and they are thus excluded from all loss period calculations.

Note 11 - Stock-based Compens_3

Note 11 - Stock-based Compensation (Details Textual) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2017
Adjustment to Additional Paid in Capital, Income Tax Effect from Share-based Compensation, Net, Total	$ 0	$ 0	$ 0	$ 0
Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Stock Options	500		$ 500		$ 900
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period			346,177	102,000
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost, Total			$ 600	$ 300
Allocated Share-based Compensation Expense, Total			300	600
Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Share-based Awards Other than Options	500		$ 500
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition			2 years 182 days
Restricted Stock [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period			1 year
Restricted Stock [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period			5 years
Employee Stock Option [Member]
Allocated Share-based Compensation Expense, Total	$ 200	$ 200	$ 500	$ 700
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period			10 years
Employee Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	90,292		90,292
The 2014 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	732,826		732,826

Note 11 - Stock-based Compens_4

Note 11 - Stock-based Compensation - Summary of Outstanding Options (Details) $ / shares in Units, $ in Thousands	9 Months Ended
	Sep. 30, 2018USD ($)$ / sharesshares
Outstanding (in shares) | shares	2,619,334
Outstanding, weighted average exercise price (in dollars per share) | $ / shares	$ 3.04
Issued (in shares) | shares	33,500
Issued, weighted average exercise price (in dollars per share) | $ / shares	$ 1.77
Exercised (in shares) | shares	(14,000)
Exercised, weighted average exercise price (in dollars per share) | $ / shares	$ 2.27
Cancelled/Forfeited (in shares) | shares	(11,334)
Cancelled/Forfeited, weighted average exercise price (in dollars per share) | $ / shares	$ 3.04
Outstanding (in shares) | shares	2,627,500
Outstanding, weighted average exercise price (in dollars per share) | $ / shares	$ 3.02
Outstanding, weighted average remaining contractual life (Year)	2 years 219 days
Outstanding, aggregate intrinsic value | $	$ 403,800
Exercisable (in shares) | shares	1,165,316
Exercisable, weighted average exercise price (in dollars per share) | $ / shares	$ 3.10
Exercisable, weighted average remaining contractual life (Year)	1 year 292 days
Exercisable, aggregate intrinsic value | $	$ 180,126