Atlanticus (ATLC) 10-Q 12 Nov 21 2021 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2021	Nov. 05, 2021
Document Information [Line Items]
Entity Central Index Key	0001464343
Entity Registrant Name	Atlanticus Holdings Corp
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2021
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2021
Document Transition Report	false
Entity Incorporation, State or Country Code	GA
Entity Tax Identification Number	58-2336689
Entity File Number	0-53717
Entity Address, Address Line One	Five Concourse Parkway, Suite 30
Entity Address, City or Town	Atlanta
Entity Address, State or Province	GA
Entity Address, Postal Zip Code	30328
City Area Code	770
Local Phone Number	828-2000
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		15,093,840
Series B Preferred Stock [Member]
Document Information [Line Items]
Title of 12(b) Security	Series B Preferred Stock, no par value per share
Trading Symbol	ATLCP
Security Exchange Name	NASDAQ
Common Stock [Member]
Document Information [Line Items]
Title of 12(b) Security	Common stock, no par value per share
Trading Symbol	ATLC
Security Exchange Name	NASDAQ

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands		Sep. 30, 2021	Dec. 31, 2020
Assets
Unrestricted cash and cash equivalents		$ 166,966	$ 178,102
Restricted cash and cash equivalents		47,808	80,859
Loans, interest and fees receivable:
Loans, interest and fees receivable, at fair value		846,160	417,098
Loans, interest and fees receivable, gross		511,140	667,556
Allowances for uncollectible loans, interest and fees receivable (including $76.8 million and $120.9 million associated with variable interest entities at September 30, 2021 and December 31, 2020, respectively)		(80,029)	(124,961)
Deferred revenue (including $7.4 million and $10.3 million associated with variable interest entities at September 30, 2021 and December 31, 2020, respectively)		(29,824)	(39,456)
Net loans, interest and fees receivable		1,247,447	920,237
Property at cost, net of depreciation		984	2,240
Investments in equity-method investee		0	1,415
Operating lease right-of-use assets		5,447	9,181
Prepaid expenses and other assets		14,292	15,180
Total assets		1,482,944	1,207,214
Liabilities
Accounts payable and accrued expenses		38,627	41,731
Operating lease liabilities		7,231	13,776
Notes Payable, net held by VIEs		995,322	882,610
Notes payable associated with structured financings, at fair value (associated with variable interest entities)		2,221	2,919
Convertible senior notes		0	24,386
Income tax liability		38,016	25,932
Total liabilities		1,081,417	991,354
Commitments and contingencies (Note 11)
Shareholders' Equity
Common stock, no par value, 150,000,000 shares authorized: 16,553,615 and 16,115,353 shares issued at September 30, 2021 and December 31, 2020, respectively; 15,094,382 and 16,115,353 (including 1,459,233 loaned shares to be returned) shares outstanding at September 30, 2021 and December 31, 2020, respectively		0	0
Paid-in capital		252,438	194,950
Retained earnings (deficit )		10,259	(117,666)
Treasury stock, 1,459,233 and 0 shares at September 30, 2021 and December 31, 2020, respectively, at cost		0	0
Total shareholders’ equity		262,697	77,284
Noncontrolling interests		(745)	(774)
Total equity		261,952	76,510
Total liabilities, preferred stock and shareholders' equity		1,482,944	1,207,214
Series A Preferred Stock [Member]
Liabilities
Preferred stock	[1]	40,000	40,000
Preferred stock	[1]	40,000	40,000
Series B Preferred Stock [Member]
Liabilities
Preferred stock		99,575	99,350
Preferred stock		99,575	99,350
Shareholders' Equity
Series B preferred stock, no par value, 3,188,533 shares issued and outstanding at September 30, 2021 and 0 shares issued and outstanding at December 31, 2020 (liquidation preference - $79.7 million) (1)	[1]	$ 0	$ 0
[1]	Both the Series A preferred stock and the Series B preferred stock have no par value and are part of the same aggregate 10,000,000 shares authorized.

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ / shares in Thousands	Sep. 30, 2021	Dec. 31, 2020
Unrestricted cash and cash equivalents	$ 166,966,000	$ 178,102,000
Restricted cash and cash equivalents	47,808,000	80,859,000
Loans, interest and fees receivable, at fair value	846,160,000	417,098,000
Loans, interest and fees receivable, gross	511,140,000	667,556,000
Allowances for uncollectible loans, interest and fees receivable	80,029,000	124,961,000
Deferred revenue	29,824,000	39,456,000
Notes payable, at face value	$ 995,322,000	$ 882,610,000
Preferred stock, par value (in dollars per share)	$ 0	$ 0
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)	16,553,615	16,115,353
Common stock, outstanding (in shares)	15,094,382	16,115,353
Own-share lending arrangement, outstanding (in shares)	1,459,233	1,459,233
Treasury stock, shares (in shares)	1,459,233	0
Series A Preferred Stock [Member]
Preferred stock, shares authorized (in shares)	10,000,000,000	10,000,000,000
Preferred stock, shares issued (in shares)		400,000
Preferred stock, shares outstanding (in shares)	400,000	400,000
Preferred stock, liquidation preference	$ 40,000	$ 40,000
Series B Preferred Stock [Member]
Preferred stock, no par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares issued (in shares)	3,188,533	0
Preferred stock, shares outstanding (in shares)	3,188,533	0
Preferred stock, liquidation preference	$ 79,700,000	$ 79,700,000
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	93,500,000	96,600,000
Restricted cash and cash equivalents	30,900,000	70,200,000
Loans, interest and fees receivable, at fair value	753,800,000	374,200,000
Loans, interest and fees receivable, gross	404,100,000	560,200,000
Allowances for uncollectible loans, interest and fees receivable	76,800,000	120,900,000
Deferred revenue	7,400,000	10,300,000
Notes payable, at face value	$ 944,500,000	$ 827,100,000

Consolidated Statements of Oper

Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Revenue:
Consumer loans, including past due fees	$ 141,177	$ 103,643	$ 366,127	$ 306,902
Fees and related income on earning assets	54,085	35,488	140,658	102,532
Other revenue	8,655	4,722	20,546	10,358
Total operating revenue, net	203,917	143,853	527,331	419,792
Other non-operating revenue	32	635	3,458	950
Total revenue	203,949	144,488	530,789	420,742
Interest expense	(12,370)	(12,678)	(38,458)	(38,514)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(9,238)	(17,028)	(24,469)	(116,894)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	(58,727)	(32,298)	(144,981)	(73,156)
Net margin	123,614	82,484	322,881	192,178
Operating expense:
Salaries and benefits	8,455	6,624	24,577	20,642
Card and loan servicing	19,239	16,309	54,838	47,747
Marketing and solicitation	16,462	7,016	40,441	26,523
Depreciation	268	327	900	932
Other	5,128	3,945	16,068	13,332
Total operating expense	49,552	34,221	136,824	109,176
Loss on repurchase and redemption of convertible senior notes	16,184	0	29,439	0
Income before income taxes	57,878	48,263	156,618	83,002
Income tax expense	(10,781)	(9,456)	(28,668)	(15,716)
Net income	47,097	38,807	127,950	67,286
Net (income) loss attributable to noncontrolling interests	(123)	48	(25)	159
Net income attributable to controlling interests	46,974	38,855	127,925	67,445
Preferred dividends and discount accretion	(6,629)	(4,788)	(16,054)	(12,283)
Net income attributable to common shareholders	$ 40,345	$ 34,067	$ 111,871	$ 55,162
Net income attributable to common shareholders per common share—basic (in dollars per share)	$ 2.67	$ 2.35	$ 7.41	$ 3.81
Net income attributable to common shareholders per common share—diluted (in dollars per share)	$ 1.96	$ 1.72	$ 5.43	$ 2.85

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity (Deficit) (Unaudited) - USD ($)	Preferred Stock [Member]Series B Preferred Stock [Member]	Preferred Stock [Member]Series A Preferred Stock [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Noncontrolling Interest [Member]	Class B Preferred Units [Member]	Total
Balance (in shares) at Dec. 31, 2019	0		15,885,314
Balance at Dec. 31, 2019	$ 0	$ 40,000,000	$ 0	$ 212,692,000	$ (211,786,000)	$ (571,000)	$ 49,050,000	$ 335,000
Accretion of discount associated with issuance of subsidiary equity	0	0	0	(75,000)	0	0	75,000	(75,000)
Preferred dividends	$ 0	0	$ 0	(2,684,000)	0	0	0	(2,684,000)
Stock option exercises and proceeds related thereto (in shares)	0		2,000
Stock option exercises and proceeds related thereto	$ 0	0	$ 0	6,000	0	0	0	6,000
Compensatory stock issuances, net of forfeitures (in shares)	0		64,915
Compensatory stock issuances, net of forfeitures	$ 0	0	$ 0	0	0	0	0	0
Deferred stock-based compensation costs	$ 0	0	$ 0	368,000	0	0	0	368,000
Redemption and retirement of shares (in shares)	0		(74,724)
Redemption and retirement of shares	$ 0	0	$ 0	(559,000)	0	0	0	(559,000)
Net income	0	0	0	0	5,425,000	(63,000)	0	5,362,000
Contributions by owners of noncontrolling interests	0	0	0	0	0	0	50,000,000	0
Redemption and retirement of shares	$ 0	0	$ 0	(559,000)	0	0	0	(559,000)
Balance (in shares) at Mar. 31, 2020	0		15,877,505
Balance at Mar. 31, 2020	$ 0	40,000,000	$ 0	209,748,000	(206,361,000)	(634,000)	99,125,000	2,753,000
Balance (in shares) at Dec. 31, 2019	0		15,885,314
Balance at Dec. 31, 2019	$ 0	40,000,000	$ 0	212,692,000	(211,786,000)	(571,000)	49,050,000	$ 335,000
Redemption and retirement of shares (in shares)								(133,998)
Redemption and retirement of shares								$ (1,163,000)
Redemption and retirement of shares								(1,163,000)
Balance (in shares) at Sep. 30, 2020	0		15,967,856
Balance at Sep. 30, 2020	$ 0	40,000,000	$ 0	200,744,000	(144,341,000)	(730,000)	99,275,000	55,673,000
Balance (in shares) at Mar. 31, 2020	0		15,877,505
Balance at Mar. 31, 2020	$ 0	40,000,000	$ 0	209,748,000	(206,361,000)	(634,000)	99,125,000	2,753,000
Accretion of discount associated with issuance of subsidiary equity	0	0	0	(75,000)	0	0	75,000	(75,000)
Preferred dividends	$ 0	0	$ 0	(4,661,000)	0	0	0	(4,661,000)
Stock option exercises and proceeds related thereto (in shares)	0		37,667
Stock option exercises and proceeds related thereto	$ 0	0	$ 0	114,000	0	0	0	114,000
Deferred stock-based compensation costs	$ 0	0	$ 0	281,000	0	0	0	281,000
Redemption and retirement of shares (in shares)	0		(10,999)
Redemption and retirement of shares	$ 0	0	$ 0	(112,000)	0	0	0	(112,000)
Net income	0	0	0	0	23,165,000	(48,000)	0	23,117,000
Redemption and retirement of shares	$ 0	0	$ 0	(112,000)	0	0	0	(112,000)
Balance (in shares) at Jun. 30, 2020	0		15,904,173
Balance at Jun. 30, 2020	$ 0	40,000,000	$ 0	205,295,000	(183,196,000)	(682,000)	99,200,000	21,417,000
Accretion of discount associated with issuance of subsidiary equity	0	0	0	(75,000)	0	0	75,000	(75,000)
Preferred dividends	$ 0	0	$ 0	(4,713,000)	0	0	0	(4,713,000)
Stock option exercises and proceeds related thereto (in shares)	0		108,833
Stock option exercises and proceeds related thereto	$ 0	0	$ 0	426,000	0	0	0	426,000
Compensatory stock issuances, net of forfeitures (in shares)	0		3,125
Compensatory stock issuances, net of forfeitures	$ 0	0	$ 0	0	0	0	0	0
Deferred stock-based compensation costs	$ 0	0	$ 0	303,000	0	0	0	$ 303,000
Redemption and retirement of shares (in shares)	0		(48,275)					(48,275)
Redemption and retirement of shares	$ 0	0	$ 0	(492,000)	0	0	0	$ (492,000)
Net income	0	0	0	0	38,855,000	(48,000)	0	38,807,000
Redemption and retirement of shares	$ 0	0	$ 0	(492,000)	0	0	0	(492,000)
Balance (in shares) at Sep. 30, 2020	0		15,967,856
Balance at Sep. 30, 2020	$ 0	40,000,000	$ 0	200,744,000	(144,341,000)	(730,000)	99,275,000	55,673,000
Balance (in shares) at Dec. 31, 2020	0		16,115,353
Balance at Dec. 31, 2020	$ 0	40,000,000	$ 0	194,950,000	(117,666,000)	(774,000)	99,350,000	76,510,000
Accretion of discount associated with issuance of subsidiary equity	0	0	0	(75,000)	0	0	75,000	(75,000)
Preferred dividends	$ 0	0	$ 0	(4,612,000)	0	0	0	(4,612,000)
Stock option exercises and proceeds related thereto (in shares)	0		494,900
Stock option exercises and proceeds related thereto	$ 0	0	$ 0	1,696,000	0	0	0	1,696,000
Compensatory stock issuances, net of forfeitures (in shares)	0		39,942
Compensatory stock issuances, net of forfeitures	$ 0	0	$ 0	0	0	0	0	0
Deferred stock-based compensation costs	$ 0	0	$ 0	545,000	0	0	0	545,000
Redemption and retirement of shares (in shares)	0		(9,928)
Redemption and retirement of shares	$ 0	0	$ 0	(297,000)	0	0	0	(297,000)
Net income	0	0	0	0	44,075,000	(48,000)	0	44,027,000
Redemption and retirement of shares	$ 0	0	$ 0	(297,000)	0	0	0	(297,000)
Balance (in shares) at Mar. 31, 2021	0		16,640,267
Balance at Mar. 31, 2021	$ 0	40,000,000	$ 0	192,207,000	(73,591,000)	(822,000)	99,425,000	117,794,000
Balance (in shares) at Dec. 31, 2020	0		16,115,353
Balance at Dec. 31, 2020	$ 0	40,000,000	$ 0	194,950,000	(117,666,000)	(774,000)	99,350,000	$ 76,510,000
Stock option exercises and proceeds related thereto (in shares)								505,999
Redemption and retirement of shares (in shares)								(127,987)
Redemption and retirement of shares								$ (5,794,000)
Redemption and retirement of shares								(5,794,000)
Balance (in shares) at Sep. 30, 2021	3,188,533		16,553,615
Balance at Sep. 30, 2021	$ 0	40,000,000	$ 0	252,438,000	10,259,000	(745,000)	99,575,000	261,952,000
Balance (in shares) at Mar. 31, 2021	0		16,640,267
Balance at Mar. 31, 2021	$ 0	40,000,000	$ 0	192,207,000	(73,591,000)	(822,000)	99,425,000	117,794,000
Accretion of discount associated with issuance of subsidiary equity	0	0	0	(75,000)	0	0	75,000	(75,000)
Preferred dividends	$ 0	0	$ 0	(4,663,000)	0	0	0	(4,663,000)
Stock option exercises and proceeds related thereto (in shares)	0		833
Stock option exercises and proceeds related thereto	$ 0	0	$ 0	1,000	0	0	0	1,000
Compensatory stock issuances, net of forfeitures (in shares)	0		5,808
Compensatory stock issuances, net of forfeitures	$ 0	0	$ 0	0	0	0	0	0
Deferred stock-based compensation costs	$ 0	0	$ 0	687,000	0	0	0	687,000
Redemption and retirement of shares (in shares)	0		(8,747)
Redemption and retirement of shares	$ 0	0	$ 0	(304,000)	0	0	0	(304,000)
Net income	$ 0	0	$ 0	0	36,876,000	(50,000)	0	36,826,000
Issuance of series B preferred stock, net (in shares)	2,800,000		0
Issuance of series B preferred stock, net	$ 0	0	$ 0	66,148,000	0	0	0	66,148,000
Contributions by owners of noncontrolling interests	0	0	0	0	0	4,000	0	4,000
Redemption and retirement of shares	$ 0	0	$ 0	(304,000)	0	0	0	(304,000)
Balance (in shares) at Jun. 30, 2021	2,800,000		16,638,161
Balance at Jun. 30, 2021	$ 0	40,000,000	$ 0	254,001,000	(36,715,000)	(868,000)	99,500,000	216,418,000
Accretion of discount associated with issuance of subsidiary equity	0	0	0	(75,000)	0	0	75,000	(75,000)
Preferred dividends	$ 0	0	$ 0	(6,554,000)	0	0	0	(6,554,000)
Stock option exercises and proceeds related thereto (in shares)	0		10,266
Stock option exercises and proceeds related thereto	$ 0	0	$ 0	45,000	0	0	0	45,000
Compensatory stock issuances, net of forfeitures (in shares)	0		14,500
Compensatory stock issuances, net of forfeitures	$ 0	0	$ 0	0	0	0	0	0
Deferred stock-based compensation costs	$ 0	0	$ 0	1,092,000	0	0	0	$ 1,092,000
Redemption and retirement of shares (in shares)	0		(109,312)					(109,312)
Redemption and retirement of shares	$ 0	0	$ 0	(5,193,000)	0	0	0	$ (5,193,000)
Net income	$ 0	0	$ 0	0	46,974,000	123,000	0	47,097,000
Issuance of series B preferred stock, net (in shares)	388,533		0
Issuance of series B preferred stock, net	$ 0	0	$ 0	9,122,000	0	0	0	9,122,000
Redemption and retirement of shares	$ 0	0	$ 0	(5,193,000)	0	0	0	(5,193,000)
Balance (in shares) at Sep. 30, 2021	3,188,533		16,553,615
Balance at Sep. 30, 2021	$ 0	$ 40,000,000	$ 0	$ 252,438,000	$ 10,259,000	$ (745,000)	$ 99,575,000	$ 261,952,000

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
Operating activities
Net income	$ 127,950	$ 67,286
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net	448	5,959
Provision for losses on loans, interest and fees receivable	24,469	116,894
Interest expense from accretion of discount on notes	453	436
Income from accretion of merchant fees and discount associated with receivables purchases	(130,166)	(91,376)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	144,981	73,156
Amortization of deferred loan costs	3,761	3,853
Income from equity-method investments	(16)	(355)
Loss on repurchase and redemption of convertible senior notes	29,439	0
Deferred stock-based compensation costs	2,324	952
Lease liability payments	(7,837)	(7,689)
Changes in assets and liabilities:
Increase in uncollected fees on earning assets	(70,980)	(30,373)
Increase in income tax liability	12,085	15,905
Increase (decrease) in accounts payable and accrued expenses	2,127	(10,833)
Other	957	3,959
Net cash provided by operating activities	139,995	147,774
Investing activities
Investments in equity-method investee	(398)	0
Proceeds from equity-method investee	560	791
Proceeds from recoveries on charged off receivables	9,110	11,773
Investments in earning assets	(1,432,768)	(953,197)
Proceeds from earning assets	1,128,653	760,461
Purchases and development of property, net of disposals	357	(745)
Net cash used in investing activities	(294,486)	(180,917)
Financing activities
Noncontrolling interests contributions	4	50,000
Proceeds from issuance of Series B preferred stock, net of issuance costs	75,270	0
Preferred dividends	(15,582)	(8,855)
Proceeds from exercise of stock options	1,742	546
Purchase and retirement of outstanding stock	(5,794)	(1,163)
Proceeds from borrowings	507,227	249,353
Repayment of borrowings	(452,554)	(256,240)
Net cash provided by financing activities	110,313	33,641
Effect of exchange rate changes on cash	(9)	(17)
Net (decrease) increase in cash and cash equivalents	(44,187)	481
Cash and cash equivalents and restricted cash at beginning of period	258,961	176,394
Cash and cash equivalents and restricted cash at end of period	214,774	176,875
Supplemental cash flow information
Cash paid for interest	35,203	35,824
Net cash income tax payments (refunds)	16,584	(189)
Increase (decrease) in accrued and unpaid preferred dividends	$ 247	$ 3,203

Note 1 - Description of Our Bus

Note 1 - Description of Our Business	9 Months Ended
	Sep. 30, 2021
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 a purpose driven financial technology company. We are primarily focused on facilitating consumer credit through the use of our 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 We are principally engaged in providing products and services to lenders in the U.S. and, in most cases, we invest in the receivables originated by lenders who utilize our technology platform and other related services. From time to time, we also purchase receivables portfolios from third third Within our Credit and Other Investments segment, we facilitate consumer finance programs offered by our bank partner to originate consumer loans through multiple channels, including retail and healthcare point-of-sale (collectively "point-of-sale"), direct mail solicitation, digital marketing and through partner relationships. In the point-of-sale 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 bank partner are often extended to consumers who may third We also report within our Credit and Other Investments segment: 1 2 3 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. On March 13, 2020, 19" March 11, 2021, $1.9 The duration and severity of the effects of COVID- 19 not 19 third

Note 2 - Significant Accounting

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components	9 Months Ended
	Sep. 30, 2021
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 (and changes thereon) of our Loans, interest and fees receivables, at fair value and Notes payable associated with structured financings recorded at fair value on our consolidated balance sheets and consolidated statements of operations. Additionally, estimates of future credit losses have a significant effect on loans, interest and fees receivable, net, as shown on our consolidated balance sheets, as well as on the provision for losses on loans, interest and fees receivable within our consolidated statements of operations. Certain prior year amounts on our consolidated statements of operations have been reclassified for consistency with the current year presentation. These reclassifications had no We have eliminated all significant intercompany balances and transactions for financial reporting purposes. Loans, Interest and Fees Receivable We maintain two 90 180 30 not Loans, Interest and Fees Receivable, at Fair Value. January 1, 2020 ( Further details concerning our loans, interest and fees receivable held at fair value are presented within Note 6, Loans, Interest and Fees Receivable, Gross. not three nine September 30, 2021 2020, As of September 30, 2021 December 31, 2020 September 30, 2021 December 31, 2020 As a result of the COVID- 19 March 13, 2020 March 22, 2020, 19 19 may 19. 19 19 not September 30, 2021 19; A roll-forward (in millions) of our allowance for uncollectible loans, interest and fees receivable by class of receivable is as follows: For the Three Months Ended September 30, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (68.0 ) $ (1.4 ) $ (25.8 ) $ (95.2 ) Provision for loan losses (9.5 ) (0.1 ) 0.4 (9.2 ) Charge offs 20.1 0.3 7.0 27.4 Recoveries (1.6 ) (0.2 ) (1.2 ) (3.0 ) Balance at end of period $ (59.0 ) $ (1.4 ) $ (19.6 ) $ (80.0 ) For the Nine Months Ended September 30, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (88.2 ) $ (1.7 ) $ (35.1 ) $ (125.0 ) Provision for loan losses (24.8 ) — 0.3 (24.5 ) Charge offs 60.3 1.1 20.7 82.1 Recoveries (6.3 ) (0.8 ) (5.5 ) (12.6 ) Balance at end of period $ (59.0 ) $ (1.4 ) $ (19.6 ) $ (80.0 ) As of September 30, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest 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 $ (59.0 ) $ (1.3 ) $ (19.6 ) $ (79.9 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 282.5 $ 93.4 $ 135.2 $ 511.1 Loans, interest and fees receivable individually evaluated for impairment $ — $ 0.3 $ — $ 0.3 Loans, interest and fees receivable collectively evaluated for impairment $ 282.5 $ 93.1 $ 135.2 $ 510.8 For the Three Months Ended September 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (112.5 ) $ (1.8 ) $ (43.8 ) $ (158.1 ) Provision for loan losses (14.9 ) (0.4 ) (1.7 ) (17.0 ) Charge offs 39.3 0.6 15.0 54.9 Recoveries (2.8 ) (0.3 ) (2.6 ) (5.7 ) Balance at end of period $ (90.9 ) $ (1.9 ) $ (33.1 ) $ (125.9 ) For the Nine Months Ended September 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) Provision for loan losses (96.1 ) (1.8 ) (19.0 ) (116.9 ) Charge offs 134.3 2.3 62.3 198.9 Recoveries (7.8 ) (0.8 ) (13.0 ) (21.6 ) Balance at end of period $ (90.9 ) $ (1.9 ) $ (33.1 ) $ (125.9 ) As of December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.3 ) $ — $ (0.3 ) Balance at end of period collectively evaluated for impairment $ (88.2 ) $ (1.4 ) $ (35.1 ) $ (124.7 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.3 $ — $ 2.3 Loans, interest and fees receivable collectively evaluated for impairment $ 364.2 $ 90.9 $ 210.2 $ 665.3 Recoveries, noted above, consist of amounts received from the efforts of third third three nine September 30, 2021, third third three September 30, 2020, third third An aging of our delinquent loans, interest and fees receivable, gross (in millions) by class of receivable as of September 30, 2021 December 31, 2020 As of September 30, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 7.3 $ 5.9 $ 3.6 $ 16.8 60-89 days past due 6.9 2.0 3.0 11.9 90 or more days past due 29.2 1.5 11.2 41.9 Delinquent loans, interest and fees receivable, gross 43.4 9.4 17.8 70.6 Current loans, interest and fees receivable, gross 239.1 84.0 117.4 440.5 Total loans, interest and fees receivable, gross $ 282.5 $ 93.4 $ 135.2 $ 511.1 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.3 $ — $ 1.3 As of December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 12.4 $ 7.6 $ 5.1 $ 25.1 60-89 days past due 8.0 2.8 3.8 14.6 90 or more days past due 19.9 2.1 9.5 31.5 Delinquent loans, interest and fees receivable, gross 40.3 12.5 18.4 71.2 Current loans, interest and fees receivable, gross 323.9 80.7 191.8 596.4 Total loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5 Troubled Debt Restructurings. 90 may not one 19 six 19 30 not not not 19 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, 2021 December 31, 2020 As of September 30, 2021 December 31, 2020 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of TDRs 13,990 35,026 12,394 37,784 Number of TDRs that have been re-aged 1,222 3,032 2,788 7,846 Amount of TDRs on non-accrual status (in thousands) $ 16,245 $ 23,060 $ 14,537 $ 26,989 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 1,779 $ 2,295 $ 4,662 $ 6,890 Carrying value of TDRs (in thousands) $ 10,720 $ 14,649 $ 9,583 $ 14,287 TDRs - Performing (carrying value, in thousands)* $ 8,643 $ 12,933 $ 7,420 $ 11,855 TDRs - Nonperforming (carrying value, in thousands)* $ 2,077 $ 1,716 $ 2,163 $ 2,432 *“TDRs - Performing” include accounts that are current on all amounts owed, while “TDRs - Nonperforming” include all accounts with past due amounts owed. We do not The Company modified 57,142 and 66,667 accounts in the amount of $62.2 million and $78.2 million during the twelve September 30, 2021 September 30, 2020 twelve Twelve Months Ended September 30, 2021 September 30, 2020 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 2,502 5,624 3,820 7,986 Loan balance at time of charge off (in thousands) $ 3,420 $ 4,489 $ 5,333 $ 7,055 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. Commencing in July 2019, third Income Taxes We experienced effective tax rates of 18.7% and 18.3%, for the three nine September 30, 2021, three nine September 30, 2020. Our effective tax rates for the three nine September 30, 2021, 1 2 two three nine September 30, 2021, 162 1986. 2021 nine September 30, 2021. Our effective tax rates for the three nine September 30, 2020, 1 2 We report interest expense associated with our income tax liabilities (including accrued liabilities for uncertain tax positions) within our income tax line item on our consolidated statements of operations. We likewise report within such line item the reversal of interest expense associated with our accrued liabilities for uncertain tax positions to the extent we resolve such liabilities in a manner favorable to our accruals therefor. We had de minimis interest expense or reversals thereof during the three nine September 30, 2021, 2020. 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, discounts and merchant fees paid or received associated with installment or auto loans that are not Fees and Related Income on Earning Assets Fees and related income on earning assets primarily include fees associated with the credit products, including the receivables underlying our U.S. point-of-sale finance and direct-to-consumer platform, and our legacy credit card receivables which include the recognition of annual fee billings and cash advance fees among others. Other revenue Other revenue includes revenues associated with ancillary product offerings, interchange revenues and servicing income. We recognize these fees as income in the period earned. Loss on repurchase and redemption of convertible senior notes In periods where we repurchased or redeemed outstanding 5.875% convertible senior notes (“convertible senior notes”), we recorded any discount or premium paid for the repurchase or redemption (including accrued interest) relative to the amortized book value of the notes. In the three nine September 30, 2021, 10, Other non-operating revenue Other non-operating revenue includes revenues associated with investments in equity method investees and other revenues not Revenue from Contracts with Customers Components (in thousands) of our revenue from contracts with customers are as follows: Credit and For the Three Months Ended September 30, 2021 Other Investments Auto Finance Total Interchange revenues, net (1) $ 5,276 $ — $ 5,276 Servicing income 529 325 854 Service charges and other customer related fees 2,510 15 2,525 Total revenue from contracts with customers $ 8,315 $ 340 $ 8,655 ( 1 Credit and For the Nine Months Ended September 30, 2021 Other Investments Auto Finance Total Interchange revenues, net (1) $ 12,167 $ — $ 12,167 Servicing income 1,266 949 2,215 Service charges and other customer related fees 6,119 45 6,164 Total revenue from contracts with customers $ 19,552 $ 994 $ 20,546 ( 1 Credit and For the Three Months Ended September 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 2,732 $ — $ 2,732 Servicing income 262 265 527 Service charges and other customer related fees 1,447 16 1,463 Total revenue from contracts with customers $ 4,441 $ 281 $ 4,722 ( 1 Credit and For the Nine Months Ended September 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 6,554 $ — $ 6,554 Servicing income 886 733 1,619 Service charges and other customer related fees 2,136 49 2,185 Total revenue from contracts with customers $ 9,576 $ 782 $ 10,358 ( 1 Recent Accounting Pronouncements In June 2016, 2016 13, 2018 19, 2019 04, 2019 10 2019 11 May 2019, 2019 05, 326 20, 2016 13 2019 05 December 15, 2019, December 15, 2022 2016 13 January 1, 2022 In March 2020, No. 2020 04, 848 no December 1, 2022, January 2021, 2021 01, 848 848 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 We have evaluated subsequent events occurring after September 30, 2021 not

Note 3 - Segment Reporting

Note 3 - Segment Reporting	9 Months Ended
	Sep. 30, 2021
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	3. Segment Reporting We operate primarily within one Summary operating segment information (in thousands) is as follows: Three Months Ended September 30, 2021 Credit and Other Investments Auto Finance Total Revenue: Consumer loans, including past due fees $ 132,747 $ 8,430 $ 141,177 Fees and related income on earning assets 54,065 20 54,085 Other revenue 8,315 340 8,655 Other non-operating revenue — 32 32 Total revenue 195,127 8,822 203,949 Interest expense (12,109 ) (261 ) (12,370 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (9,192 ) (46 ) (9,238 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (58,727 ) — (58,727 ) Net margin $ 115,099 $ 8,515 $ 123,614 Income before income taxes $ 55,134 $ 2,744 $ 57,878 Income tax expense $ (10,117 ) $ (664 ) $ (10,781 ) Nine Months Ended September 30, 2021 Credit and Other Investments Auto Finance Total Revenue: Consumer loans, including past due fees $ 341,113 $ 25,014 $ 366,127 Fees and related income on earning assets 140,603 55 140,658 Other revenue 19,552 994 20,546 Other non-operating revenue 3,404 54 3,458 Total revenue 504,672 26,117 530,789 Interest expense (37,668 ) (790 ) (38,458 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (24,495 ) 26 (24,469 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (144,981 ) — (144,981 ) Net margin $ 297,528 $ 25,353 $ 322,881 Income before income taxes $ 148,410 $ 8,208 $ 156,618 Income tax expense $ (26,670 ) $ (1,998 ) $ (28,668 ) Total assets $ 1,400,701 $ 82,243 $ 1,482,944 Three Months Ended September 30, 2020 Credit and Other Investments Auto Finance Total Revenue: Consumer loans, including past due fees $ 95,684 $ 7,959 $ 103,643 Fees and related income on earning assets 35,471 17 35,488 Other revenue 4,441 281 4,722 Other non-operating revenue 625 10 635 Total revenue 136,221 8,267 144,488 Interest expense (12,438 ) (240 ) (12,678 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (16,713 ) (315 ) (17,028 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (32,298 ) — (32,298 ) Net margin $ 74,772 $ 7,712 $ 82,484 Income before income taxes $ 45,803 $ 2,460 $ 48,263 Income tax expense $ (8,821 ) $ (635 ) $ (9,456 ) Nine Months Ended September 30, 2020 Credit and Other Investments Auto Finance Total Revenue: Consumer loans, including past due fees $ 283,143 $ 23,759 $ 306,902 Fees and related income on earning assets 102,484 48 102,532 Other revenue 9,576 782 10,358 Other non-operating revenue 927 23 950 Total revenue 396,130 24,612 420,742 Interest expense (37,590 ) (924 ) (38,514 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (115,142 ) (1,752 ) (116,894 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (73,156 ) — (73,156 ) Net margin $ 170,242 $ 21,936 $ 192,178 Income before income taxes $ 76,794 $ 6,208 $ 83,002 Income tax expense $ (14,100 ) $ (1,616 ) $ (15,716 ) Total assets $ 960,527 $ 80,048 $ 1,040,575

Note 4 - Shareholders' Equity a

Note 4 - Shareholders' Equity and Preferred Stock	9 Months Ended
	Sep. 30, 2021
Notes to Financial Statements
Stockholders' Equity Note Disclosure [Text Block]	4. Shareholders’ Equity and Preferred Stock On November 26, 2014, December 27, 2019, no may, January 1, 2025 $100 January 1, 2024. $100 12, Dove is a limited liability company owned by three one two two During the three nine September 30, 2021 three nine 30, 2020, We had 1,459,233 loaned shares outstanding at December 31, 2020 November 2005 September 30, 2021, On November 14, 2019, third not March 30, 2020, 12, On June 8, 2021, 30 July 8, 2021, second may 5

Note 5 - Investment in Equity-m

Note 5 - Investment in Equity-method Investee	9 Months Ended
	Sep. 30, 2021
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 December 31, 2020 30, 2021, In the following tables, we summarize (in thousands) balance sheet and results of operations data for this equity-method investee: As of September 30, 2021 December 31, 2020 Loans, interest and fees receivables, at fair value $ — $ 1,994 Total assets $ — $ 2,105 Total liabilities $ — $ 10 Members’ capital $ — $ 2,095 Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 Net margin $ 33 $ 546 $ 94 $ 638 Net income $ 11 $ 513 $ 23 $ 532 Net income attributable to our equity investment investee $ 8 $ 342 $ 16 $ 355

Note 6 - Fair Values of Assets

Note 6 - Fair Values of Assets and Liabilities	9 Months Ended
	Sep. 30, 2021
Notes to Financial Statements
Fair Value Disclosures [Text Block]	6. Fair Values of Assets and Liabilities As previously discussed, as of January 1, 2020, January 1, 2020. may 19 We previously elected the fair value option with respect to our credit card loans, interest and fees receivable portfolios, the retained interests in which we historically recorded at fair value under securitization structures that were off balance sheet prior to accounting rules changes requiring their consolidation into our financial statements. Fair value differs from amortized cost accounting in various ways. Under the fair value option credit losses are recognized through income as they are incurred rather than through the establishment of an allowance and provision for losses. We update our fair value analysis each quarter, with changes since the prior reporting period reflected as a component of "Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value" in the consolidated statements of operations. Changes in interest rates, credit spreads, realized and projected credit losses and cash flow timing will lead to changes in the fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value and therefore impact earnings. Fair value differs from amortized cost accounting in the following ways: • Receivables and notes are recorded at their fair value, not • The fair value of the loans takes into consideration net charge-offs for the remaining life of the loans with no • Certain fee billings (such as annual or merchant fees) and expenses of loans and notes are no • Changes in the fair value of loans and notes impact recorded revenues; and • Net charge-offs are recognized as they occur. For all of our other receivables and debt (other than the notes payable underlying our formerly off-balance sheet credit card securitization structures), we have not Where applicable as noted above, we account for our financial assets and liabilities at fair value based upon a three 1 2 1 2 3 may 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, 2021 December 31, 2020 1 2 not Assets – As of September 30, 2021 (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, interest and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 475,970 $ 401,287 Loans, interest and fees receivable, at fair value $ — $ — $ 846,160 $ 846,160 Assets – As of December 31, 2020 (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, interest and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 586,908 $ 503,139 Loans, interest and fees receivable, at fair value $ — $ — $ 417,098 $ 417,098 ( 1 For cash, deposits and investments in equity securities, 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 consolidated statements of operations as a component of "Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value". For our loans, interest and fees receivable included in the above tables, we assess the fair value of these assets based on our estimate of future cash flows net of servicing costs, and to the extent that such cash flow estimates change from period to period, any such changes are considered to be attributable to changes in instrument-specific credit risk. For Level 3 nine 30, 2021 2020 Loans, Interest and Fees Receivables, at Fair Value 2021 2020 Balance at January 1, $ 417,098 $ 4,386 Net revaluations of loans, interest and fees receivable, at fair value, included in earnings (83,052 ) (69,779 ) Chargeoffs, net of recoveries, included in earnings (62,627 ) (3,930 ) Purchases 1,137,207 481,212 Settlements (796,896 ) (163,592 ) Finance and fees, included in earnings 234,430 62,487 Balance at September 30, $ 846,160 $ 310,784 The unrealized gains and losses for assets within the Level 3 Net Revaluation of Loans, Interest and Fees Receivable. third For Level 3 September 30, 2021 December 31, 2020 Quantitative Information about Level 3 Fair Value Measurement Fair Value at September 30, 2021 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 846,160 Discounted cash flows Gross yield, net of finance charge charge-offs 21.3% to 47.3% (40.3%) Payment rate 5.1% to 12.5% (10.0%) Expected principal credit loss rate 6.6% to 27.0% (23.7%) Servicing rate 3.3% to 14.8% (4.4%) Discount rate 12.4% to 13.5% (13.0%) Quantitative Information about Level 3 Fair Value Measurement Fair Value at December 31, 2020 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 417,098 Discounted cash flows Gross yield, net of finance charge charge-offs 22.7% to 56.5% (43.3%) Payment rate 3.9% to 11.4% (8.5%) Expected principal credit loss rate 6.9% to 31.4% (24.8%) Servicing rate 2.9% to 14.2% (4.3%) Discount rate 12.8% to 13.5% (13.3%) 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, 2021 December 31, 2020 1 2 not Liabilities – As of September 30, 2021 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 $ — $ — $ 977,901 $ 977,901 Amortizing debt facilities $ — $ — $ 17,421 $ 17,421 Convertible senior notes $ — $ — $ — $ — Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 2,221 $ 2,221 Liabilities – As of December 31, 2020 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 $ — $ — $ 857,068 $ 857,068 Amortizing debt facilities $ — $ — $ 25,542 $ 25,542 Convertible senior notes $ — $ 41,284 $ — $ 24,386 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 2,919 $ 2,919 For our notes payable, we assess the fair value of these liabilities based on our estimate of future cash flows generated from their underlying credit card receivables collateral, net of servicing compensation required under the note facilities, and to the extent that such cash flow estimates change from period to period, any such changes are considered to be attributable to changes in instrument-specific credit risk. Gains and losses associated with fair value changes for our notes payable associated with structured financing liabilities that are carried at fair value are detailed on our consolidated statements of operations as a component of "Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value". For our convertible senior notes, we assess fair value based upon the most recent trade data available from third third not 9, For our material Level 3 nine September 30, 2021 2020 Notes Payable Associated with Structured Financings, at Fair Value 2021 2020 Balance at January 1, $ 2,919 $ 3,920 Net revaluations of notes payable associated with structured financings, at fair value, included in earnings (698 ) (553 ) Repayments on outstanding notes payable, net — — Balance at September 30, $ 2,221 $ 3,367 The unrealized gains and losses for liabilities within the Level 3 3 Net Revaluation of Notes Payable Associated with Structured Financings, at Fair Value. not third For material Level 3 September 30, 2021 December 31, 2020 Quantitative Information about Level 3 Fair Value Measurement Fair Value at September 30, 2021 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 2,221 Discounted cash flows Gross yield, net of finance charge charge-offs 26.1 % Payment rate 5.1 % Expected principal credit loss rate 7.3 % Discount rate 12.7 % Quantitative Information about Level 3 Fair Value Measurement Fair Value at December 31, 2020 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 2,919 Discounted cash flows Gross yield, net of finance charge charge-offs 23.7 % Payment rate 3.9 % Expected principal credit loss rate 7.9 % Discount rate 13.2 % Other Relevant Data Other relevant data (in thousands) as of September 30, 2021 December 31, 2020 As of September 30, 2021 Loans, Interest and Fees Receivable at Fair Value Loans, Interest and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid gross balance of loans, interest and fees receivable that are reported at fair value $ 1,850 $ 1,026,517 Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 1,774 $ 951,905 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 1,485 $ 844,675 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) $ 9 $ 2,199 Unpaid principal balance of receivables within loans, interest 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, interest and fees receivable $ 31 $ 34,576 As of December 31, 2020 Loans, Interest and Fees Receivable at Fair Value Loans, Interest and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid gross balance of loans, interest and fees receivable that are reported at fair value $ 630 $ 515,434 Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 589 $ 487,779 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 540 $ 416,558 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) $ 1 $ 1,847 Unpaid principal balance of receivables within loans, interest 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, interest and fees receivable $ 4 $ 12,972 Notes Payable Notes Payable Associated with Structured Financings, at Fair Value as of September 30, 2021 Notes Payable Associated with Structured Financings, at Fair Value as of December 31, 2020 Aggregate unpaid principal balance of notes payable $ 101,314 $ 101,314 Aggregate fair value of notes payable $ 2,221 $ 2,919

Note 7 - Variable Interest Enti

Note 7 - Variable Interest Entities	9 Months Ended
	Sep. 30, 2021
Notes to Financial Statements
Variable Interest Entity Disclosure [Text Block]	7. Variable Interest Entities The following table presents a summary of VIEs in which we had continuing involvement or held a variable interest (in millions): As of September 30, 2021 December 31, 2020 Unrestricted cash and cash equivalents $ 93.5 $ 96.6 Restricted cash and cash equivalents 30.9 70.2 Loans, interest and fees receivable, at fair value 753.8 374.2 Loans, interest and fees receivable, gross 404.1 560.2 Allowances for uncollectible loans, interest and fees receivable (76.8 ) (120.9 ) Deferred revenue (7.4 ) (10.3 ) Total Assets held by VIEs $ 1,198.1 $ 970.0 Notes Payable, net held by VIEs $ 944.5 $ 827.1 Notes Payable, at fair value held by VIEs $ 2.2 $ 2.9 Maximum exposure to loss due to involvement with VIEs $ 1,086.5 $ 864.4

Note 8 - Leases

Note 8 - Leases	9 Months Ended
	Sep. 30, 2021
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	8. Leases We have operating leases primarily associated with our corporate offices and regional service centers as well as for certain equipment. Our leases have remaining lease terms of 1 to 5 years, some of which include options, at our discretion, to extend the leases for additional periods generally on one For the Three Months Ended September 30, For the Nine Months Ended September 30, 2021 2020 2021 2020 Operating lease cost, gross $ 1,740 $ 1,710 $ 5,187 $ 5,155 Sublease income (1,292 ) (1,334 ) (3,876 ) (3,901 ) Net Operating lease cost $ 448 $ 376 $ 1,311 $ 1,254 Cash paid under operating leases, gross $ 2,635 $ 2,588 $ 7,837 $ 7,689 Weighted average remaining lease term - months 14 Weighted average discount rate 6.3 % As of September 30, 2021 Gross Lease Payment Payments received from Sublease Net Lease Payment 2021 (excluding the nine months ended September 30, 2021) $ 2,633 $ (1,855 ) $ 778 2022 4,745 (3,112 ) 1,633 2023 465 — 465 2024 261 — 261 2025 139 — 139 Thereafter 63 — 63 Total lease payments 8,306 (4,967 ) 3,339 Less imputed interest (1,075 ) Total $ 7,231 In addition, we occasionally lease certain equipment under cancelable and non-cancelable leases, which are accounted for as capital leases in our consolidated financial statements. As of September 30, 2021 no one In August 2021, third June 2022 not

Note 9 - Notes Payable

Note 9 - Notes Payable	9 Months Ended
	Sep. 30, 2021
Notes to Financial Statements
Debt Disclosure [Text Block]	9. Notes Payable Notes Payable, at Face Value Other notes payable outstanding as of September 30, 2021 December 31, 2020 As of September 30, 2021 December 31, 2020 Revolving credit facilities at a weighted average interest rate equal to 4.5% 4.8% 1,194.1 943.6 Revolving credit facility, not to exceed $ 55.0 November 1, 2023 $ 33.4 $ 34.9 Revolving credit facility, not to exceed $ 50.0 October 30, 2023 28.7 50.0 Revolving credit facility, not to exceed $ 70.0 May 2021 — 5.8 Revolving credit facility, not to exceed $ 100.0 October 15, 2022 10.0 10.0 Revolving credit facility, not to exceed $ 15.0 July 15, 2022 5.1 4.7 Revolving credit facility, not to exceed $ 100.0 August 15, 2022 25.0 2.5 Revolving credit facility, not to exceed $ 200.0 June 2021 — 200.0 Revolving credit facility, not to exceed $ 200.0 May 15, 2024 200.0 200.0 Revolving credit facility, not to exceed $ 25.0 April 21, 2023 23.8 7.8 Revolving credit facility, not to exceed $ 100.0 January 15, 2025 100.0 100.0 Revolving credit facility, not to exceed $ 250.0 October 15, 2025 250.0 250.0 Revolving credit facility, not to exceed $ 15.0 February 15, 2024 10.0 — Revolving credit facility, not to exceed $ 300.0 December 15, 2026 300.0 — Revolving credit facility, not to exceed $ 75.0 March, 2025 — — Other facilities Other debt — 3.2 Unsecured term debt (expiring August 26, 2024 8.0 17.4 17.4 Amortizing debt facility (repaid in September 2021 — 5.0 Total notes payable before unamortized debt issuance costs and discounts 1,003.4 891.3 Unamortized debt issuance costs and discounts (8.1 ) (8.7 ) Total notes payable outstanding, net $ 995.3 $ 882.6 ( 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 These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications. ( 3 See below for additional information. ( 4 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. ( 5 Loans are associated with VIEs. ( 6 Creditors do not * As of September 30, 2021 In October 2015, September 30, 2021). October 30, 2023 In October 2016, September 30, 2021). October 2016, September 30, 2021, November 1, 2023. no In February 2017, third May 2021. In 2018, two September 30, 2021) third October 15, 2022 August 15, 2022, In December 2017, September 30, 2021). April 21, 2023 In June 2019, September 30, 2021). In June 2019, December 15, 2022). June 2021. In August 2019, August 2024. 10, In September 2019, September 2021. In November 2019, May 15, 2024). three In July 2020, three In October 2020, August 2025 October 2025. In January 2021, September 30, 2021) February 15, 2024 In June 2021, May 15, 2026 December 15, 2026). four In September 2021, September 30, 2021) March 2025. As of September 30, 2021 Notes Payable Associated with Structured Financings, at Fair Value Scheduled (in millions) in the table below are ( 1 30, 2021 December 31, 2020 2 September 30, 2021 December 31, 2020 3 September 30, 2021 December 31, 2020 Carrying Amounts at Fair Value as of September 30, 2021 December 31, 2020 Securitization facility (stated maturity of December 2021 101.3 5.6 (5.7 2.2 2.9 $ 2.2 $ 2.9 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 September 30, 2021 . As discussed elsewhere, the legal entity holding the securitization facility discussed in the table above, is a VIE. Beyond our role as servicer of the underlying assets within the credit cards receivables structured financing, we have provided no no

Note 10 - Convertible Senior No

Note 10 - Convertible Senior Notes	9 Months Ended
	Sep. 30, 2021
Notes to Financial Statements
Long-term Debt [Text Block]	10. Convertible Senior Notes In November 2005, In the three nine September 30, 2021, On June 17, 2021, $1,000 The following summarizes (in thousands) components of our consolidated balance sheets associated with our convertible senior notes: As of September 30, 2021 December 31, 2020 Face amount of convertible senior notes $ — $ 33,839 Discount — (9,453 ) Net carrying value $ — $ 24,386 Carrying amount of equity component included in paid-in capital $ 108,714 $ 108,714 Excess of instruments’ if-converted values over face principal amounts $ — $ —

Note 11 - Commitments and Conti

Note 11 - Commitments and Contingencies	9 Months Ended
	Sep. 30, 2021
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	11. 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 $1.9 billion at September 30, 2021 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 floor plan financing allows 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, 2021 Under agreements with third September 30, 2021 Under agreements with third September 30, 2021 Under the account terms, consumers have the option of enrolling in a credit protection program with our lending partner which would make the minimum payments owed on their accounts for a period of up to six September 30, 2021 ( September 30, 2021 We also are subject to certain minimum payments under cancelable and non-cancelable lease arrangements. For further information regarding these commitments, see Note 8, Litigation We are involved in various legal proceedings that are incidental to the conduct of our business. There are currently no

Note 12 - Net Income Attributab

Note 12 - Net Income Attributable to Controlling Interests Per Common Share	9 Months Ended
	Sep. 30, 2021
Notes to Financial Statements
Earnings Per Share [Text Block]	12. Net Income Attributable to Controlling Interests Per Common Share The following table sets forth the computations of net income attributable to controlling interests per share of common stock (in thousands, except per share data): For the Three Months Ended For the Nine Months Ended September 30, September 30, 2021 2020 2021 2020 Numerator: Net income attributable to controlling interests $ 46,974 $ 38,855 $ 127,925 $ 67,445 Preferred stock and preferred unit dividends and accretion (6,629 ) (4,788 ) (16,054 ) (12,283 ) Net income attributable to common shareholders—basic 40,345 34,067 111,871 55,162 Effect of dilutive preferred stock dividends and accretion 605 604 1,795 1,797 Net income attributable to common shareholders—diluted $ 40,950 $ 34,671 $ 113,666 $ 56,959 Denominator: Basic (including unvested share-based payment awards) (1) 15,118 14,523 15,104 14,462 Effect of dilutive stock compensation arrangements and exchange of preferred stock 5,732 5,625 5,832 5,515 Diluted (including unvested share-based payment awards) (1) 20,850 20,148 20,936 19,977 Net income attributable to common shareholders per share—basic $ 2.67 $ 2.35 $ 7.41 $ 3.81 Net income attributable to common shareholders per share—diluted $ 1.96 $ 1.72 $ 5.43 $ 2.85 ( 1 Shares related to unvested share-based payment awards included in our basic and diluted share counts were 278,425 and 376,301 for the three nine September 30, 2021 three nine September 30, 2020 As their effects were anti-dilutive, we excluded stock options to purchase 0.0 shares and 0.1 million shares from our net income attributable to controlling interests per share of common stock calculations for the three nine September 30, 2021, three nine September 30, 2020. For the three nine September 30, 2021 2020, 4,

Note 13 - Stock-based Compensat

Note 13 - Stock-based Compensation	9 Months Ended
	Sep. 30, 2021
Notes to Financial Statements
Share-based Payment Arrangement [Text Block]	13. Stock-Based Compensation We currently have two 2014 2014 2014 may 2014 May 2019. 2014 two September 30, 2021, 2014 Exercises and vestings under our stock-based compensation plans resulted in no income tax-related charges to paid-in capital during the three nine September 30, 2021 2020 Restricted Stock and Restricted Stock Units During the nine September 30, 2021 2020, nine September 30, 2021 2020, may September 30, 2021, No Stock Options The exercise price per share of the options awarded under the Fourth Amended 2014 may not 2021 5 three nine September 30, 2021 2020, Number of Shares Weighted-Average Exercise Price Weighted-Average of Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at December 31, 2020 2,423,466 $ 4.41 Issued 133,850 $ 37.37 Exercised (505,999 ) $ 3.44 Expired/Forfeited (12,000 ) $ 15.30 Outstanding at September 30, 2021 2,039,317 $ 6.75 1.4 $ 94,432,699 Exercisable at September 30, 2021 1,542,634 $ 3.49 0.8 $ 76,461,888 Options issued during the three nine September 30, 2021 2020. September 30, 2021 December 31, 2020

Significant Accounting Policies

Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2021
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 (and changes thereon) of our Loans, interest and fees receivables, at fair value and Notes payable associated with structured financings recorded at fair value on our consolidated balance sheets and consolidated statements of operations. Additionally, estimates of future credit losses have a significant effect on loans, interest and fees receivable, net, as shown on our consolidated balance sheets, as well as on the provision for losses on loans, interest and fees receivable within our consolidated statements of operations. Certain prior year amounts on our consolidated statements of operations have been reclassified for consistency with the current year presentation. These reclassifications had no We have eliminated all significant intercompany balances and transactions for financial reporting purposes.
Receivable [Policy Text Block]	Loans, Interest and Fees Receivable We maintain two 90 180 30 not Loans, Interest and Fees Receivable, at Fair Value. January 1, 2020 ( Further details concerning our loans, interest and fees receivable held at fair value are presented within Note 6, Loans, Interest and Fees Receivable, Gross. not three nine September 30, 2021 2020, As of September 30, 2021 December 31, 2020 September 30, 2021 December 31, 2020 As a result of the COVID- 19 March 13, 2020 March 22, 2020, 19 19 may 19. 19 19 not September 30, 2021 19; A roll-forward (in millions) of our allowance for uncollectible loans, interest and fees receivable by class of receivable is as follows: For the Three Months Ended September 30, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (68.0 ) $ (1.4 ) $ (25.8 ) $ (95.2 ) Provision for loan losses (9.5 ) (0.1 ) 0.4 (9.2 ) Charge offs 20.1 0.3 7.0 27.4 Recoveries (1.6 ) (0.2 ) (1.2 ) (3.0 ) Balance at end of period $ (59.0 ) $ (1.4 ) $ (19.6 ) $ (80.0 ) For the Nine Months Ended September 30, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (88.2 ) $ (1.7 ) $ (35.1 ) $ (125.0 ) Provision for loan losses (24.8 ) — 0.3 (24.5 ) Charge offs 60.3 1.1 20.7 82.1 Recoveries (6.3 ) (0.8 ) (5.5 ) (12.6 ) Balance at end of period $ (59.0 ) $ (1.4 ) $ (19.6 ) $ (80.0 ) As of September 30, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest 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 $ (59.0 ) $ (1.3 ) $ (19.6 ) $ (79.9 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 282.5 $ 93.4 $ 135.2 $ 511.1 Loans, interest and fees receivable individually evaluated for impairment $ — $ 0.3 $ — $ 0.3 Loans, interest and fees receivable collectively evaluated for impairment $ 282.5 $ 93.1 $ 135.2 $ 510.8 For the Three Months Ended September 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (112.5 ) $ (1.8 ) $ (43.8 ) $ (158.1 ) Provision for loan losses (14.9 ) (0.4 ) (1.7 ) (17.0 ) Charge offs 39.3 0.6 15.0 54.9 Recoveries (2.8 ) (0.3 ) (2.6 ) (5.7 ) Balance at end of period $ (90.9 ) $ (1.9 ) $ (33.1 ) $ (125.9 ) For the Nine Months Ended September 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) Provision for loan losses (96.1 ) (1.8 ) (19.0 ) (116.9 ) Charge offs 134.3 2.3 62.3 198.9 Recoveries (7.8 ) (0.8 ) (13.0 ) (21.6 ) Balance at end of period $ (90.9 ) $ (1.9 ) $ (33.1 ) $ (125.9 ) As of December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.3 ) $ — $ (0.3 ) Balance at end of period collectively evaluated for impairment $ (88.2 ) $ (1.4 ) $ (35.1 ) $ (124.7 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.3 $ — $ 2.3 Loans, interest and fees receivable collectively evaluated for impairment $ 364.2 $ 90.9 $ 210.2 $ 665.3 Recoveries, noted above, consist of amounts received from the efforts of third third three nine September 30, 2021, third third three September 30, 2020, third third An aging of our delinquent loans, interest and fees receivable, gross (in millions) by class of receivable as of September 30, 2021 December 31, 2020 As of September 30, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 7.3 $ 5.9 $ 3.6 $ 16.8 60-89 days past due 6.9 2.0 3.0 11.9 90 or more days past due 29.2 1.5 11.2 41.9 Delinquent loans, interest and fees receivable, gross 43.4 9.4 17.8 70.6 Current loans, interest and fees receivable, gross 239.1 84.0 117.4 440.5 Total loans, interest and fees receivable, gross $ 282.5 $ 93.4 $ 135.2 $ 511.1 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.3 $ — $ 1.3 As of December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 12.4 $ 7.6 $ 5.1 $ 25.1 60-89 days past due 8.0 2.8 3.8 14.6 90 or more days past due 19.9 2.1 9.5 31.5 Delinquent loans, interest and fees receivable, gross 40.3 12.5 18.4 71.2 Current loans, interest and fees receivable, gross 323.9 80.7 191.8 596.4 Total loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5
Troubled Debt Restructuring [Policy Text Block]	Troubled Debt Restructurings. 90 may not one 19 six 19 30 not not not 19 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, 2021 December 31, 2020 As of September 30, 2021 December 31, 2020 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of TDRs 13,990 35,026 12,394 37,784 Number of TDRs that have been re-aged 1,222 3,032 2,788 7,846 Amount of TDRs on non-accrual status (in thousands) $ 16,245 $ 23,060 $ 14,537 $ 26,989 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 1,779 $ 2,295 $ 4,662 $ 6,890 Carrying value of TDRs (in thousands) $ 10,720 $ 14,649 $ 9,583 $ 14,287 TDRs - Performing (carrying value, in thousands)* $ 8,643 $ 12,933 $ 7,420 $ 11,855 TDRs - Nonperforming (carrying value, in thousands)* $ 2,077 $ 1,716 $ 2,163 $ 2,432 *“TDRs - Performing” include accounts that are current on all amounts owed, while “TDRs - Nonperforming” include all accounts with past due amounts owed. We do not The Company modified 57,142 and 66,667 accounts in the amount of $62.2 million and $78.2 million during the twelve September 30, 2021 September 30, 2020 twelve Twelve Months Ended September 30, 2021 September 30, 2020 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 2,502 5,624 3,820 7,986 Loan balance at time of charge off (in thousands) $ 3,420 $ 4,489 $ 5,333 $ 7,055
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. Commencing in July 2019, third
Income Tax, Policy [Policy Text Block]	Income Taxes We experienced effective tax rates of 18.7% and 18.3%, for the three nine September 30, 2021, three nine September 30, 2020. Our effective tax rates for the three nine September 30, 2021, 1 2 two three nine September 30, 2021, 162 1986. 2021 nine September 30, 2021. Our effective tax rates for the three nine September 30, 2020, 1 2 We report interest expense associated with our income tax liabilities (including accrued liabilities for uncertain tax positions) within our income tax line item on our consolidated statements of operations. We likewise report within such line item the reversal of interest expense associated with our accrued liabilities for uncertain tax positions to the extent we resolve such liabilities in a manner favorable to our accruals therefor. We had de minimis interest expense or reversals thereof during the three nine September 30, 2021, 2020.
Revenue from Contract with Customer [Policy Text Block]	Revenue from Contracts with Customers Components (in thousands) of our revenue from contracts with customers are as follows: Credit and For the Three Months Ended September 30, 2021 Other Investments Auto Finance Total Interchange revenues, net (1) $ 5,276 $ — $ 5,276 Servicing income 529 325 854 Service charges and other customer related fees 2,510 15 2,525 Total revenue from contracts with customers $ 8,315 $ 340 $ 8,655 ( 1 Credit and For the Nine Months Ended September 30, 2021 Other Investments Auto Finance Total Interchange revenues, net (1) $ 12,167 $ — $ 12,167 Servicing income 1,266 949 2,215 Service charges and other customer related fees 6,119 45 6,164 Total revenue from contracts with customers $ 19,552 $ 994 $ 20,546 ( 1 Credit and For the Three Months Ended September 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 2,732 $ — $ 2,732 Servicing income 262 265 527 Service charges and other customer related fees 1,447 16 1,463 Total revenue from contracts with customers $ 4,441 $ 281 $ 4,722 ( 1 Credit and For the Nine Months Ended September 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 6,554 $ — $ 6,554 Servicing income 886 733 1,619 Service charges and other customer related fees 2,136 49 2,185 Total revenue from contracts with customers $ 9,576 $ 782 $ 10,358 ( 1
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements In June 2016, 2016 13, 2018 19, 2019 04, 2019 10 2019 11 May 2019, 2019 05, 326 20, 2016 13 2019 05 December 15, 2019, December 15, 2022 2016 13 January 1, 2022 In March 2020, No. 2020 04, 848 no December 1, 2022, January 2021, 2021 01, 848 848 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 We have evaluated subsequent events occurring after September 30, 2021 not

Note 2 - Significant Accounti_2

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Tables)	9 Months Ended
	Sep. 30, 2021
Notes Tables
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	For the Three Months Ended September 30, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (68.0 ) $ (1.4 ) $ (25.8 ) $ (95.2 ) Provision for loan losses (9.5 ) (0.1 ) 0.4 (9.2 ) Charge offs 20.1 0.3 7.0 27.4 Recoveries (1.6 ) (0.2 ) (1.2 ) (3.0 ) Balance at end of period $ (59.0 ) $ (1.4 ) $ (19.6 ) $ (80.0 ) For the Nine Months Ended September 30, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (88.2 ) $ (1.7 ) $ (35.1 ) $ (125.0 ) Provision for loan losses (24.8 ) — 0.3 (24.5 ) Charge offs 60.3 1.1 20.7 82.1 Recoveries (6.3 ) (0.8 ) (5.5 ) (12.6 ) Balance at end of period $ (59.0 ) $ (1.4 ) $ (19.6 ) $ (80.0 ) As of September 30, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest 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 $ (59.0 ) $ (1.3 ) $ (19.6 ) $ (79.9 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 282.5 $ 93.4 $ 135.2 $ 511.1 Loans, interest and fees receivable individually evaluated for impairment $ — $ 0.3 $ — $ 0.3 Loans, interest and fees receivable collectively evaluated for impairment $ 282.5 $ 93.1 $ 135.2 $ 510.8 For the Three Months Ended September 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (112.5 ) $ (1.8 ) $ (43.8 ) $ (158.1 ) Provision for loan losses (14.9 ) (0.4 ) (1.7 ) (17.0 ) Charge offs 39.3 0.6 15.0 54.9 Recoveries (2.8 ) (0.3 ) (2.6 ) (5.7 ) Balance at end of period $ (90.9 ) $ (1.9 ) $ (33.1 ) $ (125.9 ) For the Nine Months Ended September 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) Provision for loan losses (96.1 ) (1.8 ) (19.0 ) (116.9 ) Charge offs 134.3 2.3 62.3 198.9 Recoveries (7.8 ) (0.8 ) (13.0 ) (21.6 ) Balance at end of period $ (90.9 ) $ (1.9 ) $ (33.1 ) $ (125.9 ) As of December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.3 ) $ — $ (0.3 ) Balance at end of period collectively evaluated for impairment $ (88.2 ) $ (1.4 ) $ (35.1 ) $ (124.7 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.3 $ — $ 2.3 Loans, interest and fees receivable collectively evaluated for impairment $ 364.2 $ 90.9 $ 210.2 $ 665.3
Financing Receivable, Past Due [Table Text Block]	As of September 30, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 7.3 $ 5.9 $ 3.6 $ 16.8 60-89 days past due 6.9 2.0 3.0 11.9 90 or more days past due 29.2 1.5 11.2 41.9 Delinquent loans, interest and fees receivable, gross 43.4 9.4 17.8 70.6 Current loans, interest and fees receivable, gross 239.1 84.0 117.4 440.5 Total loans, interest and fees receivable, gross $ 282.5 $ 93.4 $ 135.2 $ 511.1 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.3 $ — $ 1.3 As of December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 12.4 $ 7.6 $ 5.1 $ 25.1 60-89 days past due 8.0 2.8 3.8 14.6 90 or more days past due 19.9 2.1 9.5 31.5 Delinquent loans, interest and fees receivable, gross 40.3 12.5 18.4 71.2 Current loans, interest and fees receivable, gross 323.9 80.7 191.8 596.4 Total loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	As of September 30, 2021 December 31, 2020 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of TDRs 13,990 35,026 12,394 37,784 Number of TDRs that have been re-aged 1,222 3,032 2,788 7,846 Amount of TDRs on non-accrual status (in thousands) $ 16,245 $ 23,060 $ 14,537 $ 26,989 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 1,779 $ 2,295 $ 4,662 $ 6,890 Carrying value of TDRs (in thousands) $ 10,720 $ 14,649 $ 9,583 $ 14,287 TDRs - Performing (carrying value, in thousands)* $ 8,643 $ 12,933 $ 7,420 $ 11,855 TDRs - Nonperforming (carrying value, in thousands)* $ 2,077 $ 1,716 $ 2,163 $ 2,432 Twelve Months Ended September 30, 2021 September 30, 2020 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 2,502 5,624 3,820 7,986 Loan balance at time of charge off (in thousands) $ 3,420 $ 4,489 $ 5,333 $ 7,055
Disaggregation of Revenue [Table Text Block]	Credit and For the Three Months Ended September 30, 2021 Other Investments Auto Finance Total Interchange revenues, net (1) $ 5,276 $ — $ 5,276 Servicing income 529 325 854 Service charges and other customer related fees 2,510 15 2,525 Total revenue from contracts with customers $ 8,315 $ 340 $ 8,655 Credit and For the Nine Months Ended September 30, 2021 Other Investments Auto Finance Total Interchange revenues, net (1) $ 12,167 $ — $ 12,167 Servicing income 1,266 949 2,215 Service charges and other customer related fees 6,119 45 6,164 Total revenue from contracts with customers $ 19,552 $ 994 $ 20,546 Credit and For the Three Months Ended September 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 2,732 $ — $ 2,732 Servicing income 262 265 527 Service charges and other customer related fees 1,447 16 1,463 Total revenue from contracts with customers $ 4,441 $ 281 $ 4,722 Credit and For the Nine Months Ended September 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 6,554 $ — $ 6,554 Servicing income 886 733 1,619 Service charges and other customer related fees 2,136 49 2,185 Total revenue from contracts with customers $ 9,576 $ 782 $ 10,358

Note 3 - Segment Reporting (Tab

Note 3 - Segment Reporting (Tables)	9 Months Ended
	Sep. 30, 2021
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Three Months Ended September 30, 2021 Credit and Other Investments Auto Finance Total Revenue: Consumer loans, including past due fees $ 132,747 $ 8,430 $ 141,177 Fees and related income on earning assets 54,065 20 54,085 Other revenue 8,315 340 8,655 Other non-operating revenue — 32 32 Total revenue 195,127 8,822 203,949 Interest expense (12,109 ) (261 ) (12,370 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (9,192 ) (46 ) (9,238 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (58,727 ) — (58,727 ) Net margin $ 115,099 $ 8,515 $ 123,614 Income before income taxes $ 55,134 $ 2,744 $ 57,878 Income tax expense $ (10,117 ) $ (664 ) $ (10,781 ) Nine Months Ended September 30, 2021 Credit and Other Investments Auto Finance Total Revenue: Consumer loans, including past due fees $ 341,113 $ 25,014 $ 366,127 Fees and related income on earning assets 140,603 55 140,658 Other revenue 19,552 994 20,546 Other non-operating revenue 3,404 54 3,458 Total revenue 504,672 26,117 530,789 Interest expense (37,668 ) (790 ) (38,458 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (24,495 ) 26 (24,469 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (144,981 ) — (144,981 ) Net margin $ 297,528 $ 25,353 $ 322,881 Income before income taxes $ 148,410 $ 8,208 $ 156,618 Income tax expense $ (26,670 ) $ (1,998 ) $ (28,668 ) Total assets $ 1,400,701 $ 82,243 $ 1,482,944 Three Months Ended September 30, 2020 Credit and Other Investments Auto Finance Total Revenue: Consumer loans, including past due fees $ 95,684 $ 7,959 $ 103,643 Fees and related income on earning assets 35,471 17 35,488 Other revenue 4,441 281 4,722 Other non-operating revenue 625 10 635 Total revenue 136,221 8,267 144,488 Interest expense (12,438 ) (240 ) (12,678 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (16,713 ) (315 ) (17,028 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (32,298 ) — (32,298 ) Net margin $ 74,772 $ 7,712 $ 82,484 Income before income taxes $ 45,803 $ 2,460 $ 48,263 Income tax expense $ (8,821 ) $ (635 ) $ (9,456 ) Nine Months Ended September 30, 2020 Credit and Other Investments Auto Finance Total Revenue: Consumer loans, including past due fees $ 283,143 $ 23,759 $ 306,902 Fees and related income on earning assets 102,484 48 102,532 Other revenue 9,576 782 10,358 Other non-operating revenue 927 23 950 Total revenue 396,130 24,612 420,742 Interest expense (37,590 ) (924 ) (38,514 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (115,142 ) (1,752 ) (116,894 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (73,156 ) — (73,156 ) Net margin $ 170,242 $ 21,936 $ 192,178 Income before income taxes $ 76,794 $ 6,208 $ 83,002 Income tax expense $ (14,100 ) $ (1,616 ) $ (15,716 ) Total assets $ 960,527 $ 80,048 $ 1,040,575

Note 5 - Investment in Equity_2

Note 5 - Investment in Equity-method Investee (Tables)	9 Months Ended
	Sep. 30, 2021
Notes Tables
Equity Method Investments [Table Text Block]	As of September 30, 2021 December 31, 2020 Loans, interest and fees receivables, at fair value $ — $ 1,994 Total assets $ — $ 2,105 Total liabilities $ — $ 10 Members’ capital $ — $ 2,095 Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 Net margin $ 33 $ 546 $ 94 $ 638 Net income $ 11 $ 513 $ 23 $ 532 Net income attributable to our equity investment investee $ 8 $ 342 $ 16 $ 355

Note 6 - Fair Values of Asset_2

Note 6 - Fair Values of Assets and Liabilities (Tables)	9 Months Ended
	Sep. 30, 2021
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Assets – As of September 30, 2021 (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, interest and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 475,970 $ 401,287 Loans, interest and fees receivable, at fair value $ — $ — $ 846,160 $ 846,160 Assets – As of December 31, 2020 (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, interest and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 586,908 $ 503,139 Loans, interest and fees receivable, at fair value $ — $ — $ 417,098 $ 417,098
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Loans, Interest and Fees Receivables, at Fair Value 2021 2020 Balance at January 1, $ 417,098 $ 4,386 Net revaluations of loans, interest and fees receivable, at fair value, included in earnings (83,052 ) (69,779 ) Chargeoffs, net of recoveries, included in earnings (62,627 ) (3,930 ) Purchases 1,137,207 481,212 Settlements (796,896 ) (163,592 ) Finance and fees, included in earnings 234,430 62,487 Balance at September 30, $ 846,160 $ 310,784
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Fair Value Measurement Fair Value at September 30, 2021 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 846,160 Discounted cash flows Gross yield, net of finance charge charge-offs 21.3% to 47.3% (40.3%) Payment rate 5.1% to 12.5% (10.0%) Expected principal credit loss rate 6.6% to 27.0% (23.7%) Servicing rate 3.3% to 14.8% (4.4%) Discount rate 12.4% to 13.5% (13.0%) Fair Value Measurement Fair Value at December 31, 2020 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 417,098 Discounted cash flows Gross yield, net of finance charge charge-offs 22.7% to 56.5% (43.3%) Payment rate 3.9% to 11.4% (8.5%) Expected principal credit loss rate 6.9% to 31.4% (24.8%) Servicing rate 2.9% to 14.2% (4.3%) Discount rate 12.8% to 13.5% (13.3%) Fair Value Measurement Fair Value at September 30, 2021 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 2,221 Discounted cash flows Gross yield, net of finance charge charge-offs 26.1 % Payment rate 5.1 % Expected principal credit loss rate 7.3 % Discount rate 12.7 % Fair Value Measurement Fair Value at December 31, 2020 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 2,919 Discounted cash flows Gross yield, net of finance charge charge-offs 23.7 % Payment rate 3.9 % Expected principal credit loss rate 7.9 % Discount rate 13.2 %
Fair Value, Liabilities Measured on Recurring Basis [Table Text Block]	Liabilities – As of September 30, 2021 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 $ — $ — $ 977,901 $ 977,901 Amortizing debt facilities $ — $ — $ 17,421 $ 17,421 Convertible senior notes $ — $ — $ — $ — Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 2,221 $ 2,221 Liabilities – As of December 31, 2020 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 $ — $ — $ 857,068 $ 857,068 Amortizing debt facilities $ — $ — $ 25,542 $ 25,542 Convertible senior notes $ — $ 41,284 $ — $ 24,386 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 2,919 $ 2,919
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Notes Payable Associated with Structured Financings, at Fair Value 2021 2020 Balance at January 1, $ 2,919 $ 3,920 Net revaluations of notes payable associated with structured financings, at fair value, included in earnings (698 ) (553 ) Repayments on outstanding notes payable, net — — Balance at September 30, $ 2,221 $ 3,367
Fair Value Option, Disclosures [Table Text Block]	As of September 30, 2021 Loans, Interest and Fees Receivable at Fair Value Loans, Interest and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid gross balance of loans, interest and fees receivable that are reported at fair value $ 1,850 $ 1,026,517 Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 1,774 $ 951,905 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 1,485 $ 844,675 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) $ 9 $ 2,199 Unpaid principal balance of receivables within loans, interest 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, interest and fees receivable $ 31 $ 34,576 As of December 31, 2020 Loans, Interest and Fees Receivable at Fair Value Loans, Interest and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid gross balance of loans, interest and fees receivable that are reported at fair value $ 630 $ 515,434 Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 589 $ 487,779 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 540 $ 416,558 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) $ 1 $ 1,847 Unpaid principal balance of receivables within loans, interest 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, interest and fees receivable $ 4 $ 12,972 Notes Payable Notes Payable Associated with Structured Financings, at Fair Value as of September 30, 2021 Notes Payable Associated with Structured Financings, at Fair Value as of December 31, 2020 Aggregate unpaid principal balance of notes payable $ 101,314 $ 101,314 Aggregate fair value of notes payable $ 2,221 $ 2,919

Note 7 - Variable Interest En_2

Note 7 - Variable Interest Entities (Tables)	9 Months Ended
	Sep. 30, 2021
Notes Tables
Schedule of Variable Interest Entities [Table Text Block]	As of September 30, 2021 December 31, 2020 Unrestricted cash and cash equivalents $ 93.5 $ 96.6 Restricted cash and cash equivalents 30.9 70.2 Loans, interest and fees receivable, at fair value 753.8 374.2 Loans, interest and fees receivable, gross 404.1 560.2 Allowances for uncollectible loans, interest and fees receivable (76.8 ) (120.9 ) Deferred revenue (7.4 ) (10.3 ) Total Assets held by VIEs $ 1,198.1 $ 970.0 Notes Payable, net held by VIEs $ 944.5 $ 827.1 Notes Payable, at fair value held by VIEs $ 2.2 $ 2.9 Maximum exposure to loss due to involvement with VIEs $ 1,086.5 $ 864.4

Note 8 - Leases (Tables)

Note 8 - Leases (Tables)	9 Months Ended
	Sep. 30, 2021
Notes Tables
Lease, Cost [Table Text Block]	For the Three Months Ended September 30, For the Nine Months Ended September 30, 2021 2020 2021 2020 Operating lease cost, gross $ 1,740 $ 1,710 $ 5,187 $ 5,155 Sublease income (1,292 ) (1,334 ) (3,876 ) (3,901 ) Net Operating lease cost $ 448 $ 376 $ 1,311 $ 1,254 Cash paid under operating leases, gross $ 2,635 $ 2,588 $ 7,837 $ 7,689 Weighted average remaining lease term - months 14 Weighted average discount rate 6.3 %
Operating Lease, Liability and Payments to be Received, Maturity [Table Text Block]	Gross Lease Payment Payments received from Sublease Net Lease Payment 2021 (excluding the nine months ended September 30, 2021) $ 2,633 $ (1,855 ) $ 778 2022 4,745 (3,112 ) 1,633 2023 465 — 465 2024 261 — 261 2025 139 — 139 Thereafter 63 — 63 Total lease payments 8,306 (4,967 ) 3,339 Less imputed interest (1,075 ) Total $ 7,231

Note 9 - Notes Payable (Tables)

Note 9 - Notes Payable (Tables)	9 Months Ended
	Sep. 30, 2021
Notes Tables
Schedule of Debt [Table Text Block]	As of September 30, 2021 December 31, 2020 Revolving credit facilities at a weighted average interest rate equal to 4.5% 4.8% 1,194.1 943.6 Revolving credit facility, not to exceed $ 55.0 November 1, 2023 $ 33.4 $ 34.9 Revolving credit facility, not to exceed $ 50.0 October 30, 2023 28.7 50.0 Revolving credit facility, not to exceed $ 70.0 May 2021 — 5.8 Revolving credit facility, not to exceed $ 100.0 October 15, 2022 10.0 10.0 Revolving credit facility, not to exceed $ 15.0 July 15, 2022 5.1 4.7 Revolving credit facility, not to exceed $ 100.0 August 15, 2022 25.0 2.5 Revolving credit facility, not to exceed $ 200.0 June 2021 — 200.0 Revolving credit facility, not to exceed $ 200.0 May 15, 2024 200.0 200.0 Revolving credit facility, not to exceed $ 25.0 April 21, 2023 23.8 7.8 Revolving credit facility, not to exceed $ 100.0 January 15, 2025 100.0 100.0 Revolving credit facility, not to exceed $ 250.0 October 15, 2025 250.0 250.0 Revolving credit facility, not to exceed $ 15.0 February 15, 2024 10.0 — Revolving credit facility, not to exceed $ 300.0 December 15, 2026 300.0 — Revolving credit facility, not to exceed $ 75.0 March, 2025 — — Other facilities Other debt — 3.2 Unsecured term debt (expiring August 26, 2024 8.0 17.4 17.4 Amortizing debt facility (repaid in September 2021 — 5.0 Total notes payable before unamortized debt issuance costs and discounts 1,003.4 891.3 Unamortized debt issuance costs and discounts (8.1 ) (8.7 ) Total notes payable outstanding, net $ 995.3 $ 882.6
Structured Financing Notes Payable [Member]
Notes Tables
Schedule of Debt [Table Text Block]	Carrying Amounts at Fair Value as of September 30, 2021 December 31, 2020 Securitization facility (stated maturity of December 2021 101.3 5.6 (5.7 2.2 2.9 $ 2.2 $ 2.9

Note 10 - Convertible Senior _2

Note 10 - Convertible Senior Notes (Tables)	9 Months Ended
	Sep. 30, 2021
Notes Tables
Schedule of Long-term Debt Instruments [Table Text Block]	As of September 30, 2021 December 31, 2020 Face amount of convertible senior notes $ — $ 33,839 Discount — (9,453 ) Net carrying value $ — $ 24,386 Carrying amount of equity component included in paid-in capital $ 108,714 $ 108,714 Excess of instruments’ if-converted values over face principal amounts $ — $ —

Note 12 - Net Income Attribut_2

Note 12 - Net Income Attributable to Controlling Interests Per Common Share (Tables)	9 Months Ended
	Sep. 30, 2021
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Three Months Ended For the Nine Months Ended September 30, September 30, 2021 2020 2021 2020 Numerator: Net income attributable to controlling interests $ 46,974 $ 38,855 $ 127,925 $ 67,445 Preferred stock and preferred unit dividends and accretion (6,629 ) (4,788 ) (16,054 ) (12,283 ) Net income attributable to common shareholders—basic 40,345 34,067 111,871 55,162 Effect of dilutive preferred stock dividends and accretion 605 604 1,795 1,797 Net income attributable to common shareholders—diluted $ 40,950 $ 34,671 $ 113,666 $ 56,959 Denominator: Basic (including unvested share-based payment awards) (1) 15,118 14,523 15,104 14,462 Effect of dilutive stock compensation arrangements and exchange of preferred stock 5,732 5,625 5,832 5,515 Diluted (including unvested share-based payment awards) (1) 20,850 20,148 20,936 19,977 Net income attributable to common shareholders per share—basic $ 2.67 $ 2.35 $ 7.41 $ 3.81 Net income attributable to common shareholders per share—diluted $ 1.96 $ 1.72 $ 5.43 $ 2.85

Note 13 - Stock-based Compens_2

Note 13 - Stock-based Compensation (Tables)	9 Months Ended
	Sep. 30, 2021
Notes Tables
Share-based Payment Arrangement, Option, Activity [Table Text Block]	Number of Shares Weighted-Average Exercise Price Weighted-Average of Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at December 31, 2020 2,423,466 $ 4.41 Issued 133,850 $ 37.37 Exercised (505,999 ) $ 3.44 Expired/Forfeited (12,000 ) $ 15.30 Outstanding at September 30, 2021 2,039,317 $ 6.75 1.4 $ 94,432,699 Exercisable at September 30, 2021 1,542,634 $ 3.49 0.8 $ 76,461,888

Note 2 - Significant Accounti_3

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Details Textual) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2021USD ($)	Sep. 30, 2020USD ($)	Sep. 30, 2021USD ($)	Sep. 30, 2020USD ($)	Sep. 30, 2021USD ($)	Dec. 31, 2020USD ($)	Sep. 30, 2020USD ($)	Nov. 30, 2005
Payments to Acquire Loans and Leases Held-for-investment, Total	$ 47,800	$ 47,100	$ 146,100	$ 139,700
Loans and Leases Receivable, Deferred Income, Total	29,824		$ 29,824		$ 29,824	$ 39,456
Weighted Average Remaining Accretion Period of Deferred Revenue (Month)			15 months			14 months
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums, Total	22,000		$ 22,000		$ 22,000	$ 28,200
Financing Receivable, Allowance for Credit Loss, Recovery	$ 3,000	$ 5,700	$ 12,600	$ 21,600
Financing Receivable, Modifications, Number of Contracts					57,142		66,667
Financing Receivable, Troubled Debt Restructuring, Postmodification					$ 62,200		$ 78,200
Effective Income Tax Rate Reconciliation, Percent, Total	18.70%	19.60%	18.30%	18.90%
Gain (Loss) on Extinguishment of Debt, Total	$ (16,184)	$ 0	$ (29,439)	$ 0
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member] | Convertible Debt [Member]
Debt Instrument, Interest Rate, Stated Percentage								5.875%
Extinguishment of Debt, Amount	12,700		33,800
Repayments of Convertible Debt	25,400		54,300
Gain (Loss) on Extinguishment of Debt, Total	(16,200)		$ (29,400)
Minimum [Member]
Accounts Payable, Extension of Payment Terms (Month)			10 months
Maximum [Member]
Accounts Payable, Extension of Payment Terms (Month)			37 months
Receivables Recoveries from Employed Third-Party Collectors ][Member]
Financing Receivable, Allowance for Credit Loss, Recovery	1,800	2,800	$ 6,900	9,800
Receivable Recoveries from Sales of Charged-Off Accounts to Third-Parties [Member]
Financing Receivable, Allowance for Credit Loss, Recovery	$ 1,100	$ 2,900	$ 5,700	$ 11,800

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, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Balance at beginning of period	$ (95,200)	$ (158,100)	$ (125,000)	$ (186,300)
Provision for loan losses	(9,238)	(17,028)	(24,469)	(116,894)
Charge offs	27,400	54,900	82,100	198,900
Recoveries	(3,000)	(5,700)	(12,600)	(21,600)
Balance at end of period	(80,000)	(125,900)	(80,000)	(125,900)
Balance at end of period individually evaluated for impairment	(100)		(100)		$ (300)
Balance at end of period collectively evaluated for impairment	(79,900)		(79,900)		(124,700)
Loans, interest and fees receivable, gross	511,140		511,140		667,556
Loans, interest and fees receivable individually evaluated for impairment	300		300		2,300
Loans, interest and fees receivable collectively evaluated for impairment	510,800		510,800		665,300
Credit Card Receivable [Member]
Balance at beginning of period	(68,000)	(112,500)	(88,200)	(121,300)
Provision for loan losses	(9,500)	(14,900)	(24,800)	(96,100)
Charge offs	20,100	39,300	60,300	134,300
Recoveries	(1,600)	(2,800)	(6,300)	(7,800)
Balance at end of period	(59,000)	(90,900)	(59,000)	(90,900)
Balance at end of period individually evaluated for impairment	0		0		0
Balance at end of period collectively evaluated for impairment	(59,000)		(59,000)		(88,200)
Loans, interest and fees receivable, gross	282,500		282,500		364,200
Loans, interest and fees receivable individually evaluated for impairment	0		0		0
Loans, interest and fees receivable collectively evaluated for impairment	282,500		282,500		364,200
Automobile Loan [Member]
Balance at beginning of period	(1,400)	(1,800)	(1,700)	(1,600)
Provision for loan losses	(100)	(400)	0	(1,800)
Charge offs	300	600	1,100	2,300
Recoveries	(200)	(300)	(800)	(800)
Balance at end of period	(1,400)	(1,900)	(1,400)	(1,900)
Balance at end of period individually evaluated for impairment	(100)		(100)		(300)
Balance at end of period collectively evaluated for impairment	(1,300)		(1,300)		(1,400)
Loans, interest and fees receivable, gross	93,400		93,400		93,200
Loans, interest and fees receivable individually evaluated for impairment	300		300		2,300
Loans, interest and fees receivable collectively evaluated for impairment	93,100		93,100		90,900
Other Unsecured Lending Products [Member]
Balance at beginning of period	(25,800)	(43,800)	(35,100)	(63,400)
Provision for loan losses	400	(1,700)	300	(19,000)
Charge offs	7,000	15,000	20,700	62,300
Recoveries	(1,200)	(2,600)	(5,500)	(13,000)
Balance at end of period	(19,600)	$ (33,100)	(19,600)	$ (33,100)
Balance at end of period individually evaluated for impairment	0		0		0
Balance at end of period collectively evaluated for impairment	(19,600)		(19,600)		(35,100)
Loans, interest and fees receivable, gross	135,200		135,200		210,200
Loans, interest and fees receivable individually evaluated for impairment	0		0		0
Loans, interest and fees receivable collectively evaluated for impairment	$ 135,200		$ 135,200		$ 210,200

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, 2021	Dec. 31, 2020
Total loans, interest and fees receivable, gross	$ 511,140	$ 667,556
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,300	1,500
Financial Asset, 30 to 59 Days Past Due [Member]
Total loans, interest and fees receivable, gross	16,800	25,100
Financial Asset, 60 to 89 Days Past Due [Member]
Total loans, interest and fees receivable, gross	11,900	14,600
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans, interest and fees receivable, gross	41,900	31,500
Financial Asset, Past Due [Member]
Total loans, interest and fees receivable, gross	70,600	71,200
Financial Asset, Not Past Due [Member]
Total loans, interest and fees receivable, gross	440,500	596,400
Credit Card Receivable [Member]
Total loans, interest and fees receivable, gross	282,500	364,200
Balance of loans greater than 90-days delinquent still accruing interest and fees	0	0
Credit Card Receivable [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total loans, interest and fees receivable, gross	7,300	12,400
Credit Card Receivable [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total loans, interest and fees receivable, gross	6,900	8,000
Credit Card Receivable [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans, interest and fees receivable, gross	29,200	19,900
Credit Card Receivable [Member] | Financial Asset, Past Due [Member]
Total loans, interest and fees receivable, gross	43,400	40,300
Credit Card Receivable [Member] | Financial Asset, Not Past Due [Member]
Total loans, interest and fees receivable, gross	239,100	323,900
Automobile Loan [Member]
Total loans, interest and fees receivable, gross	93,400	93,200
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,300	1,500
Automobile Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total loans, interest and fees receivable, gross	5,900	7,600
Automobile Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total loans, interest and fees receivable, gross	2,000	2,800
Automobile Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans, interest and fees receivable, gross	1,500	2,100
Automobile Loan [Member] | Financial Asset, Past Due [Member]
Total loans, interest and fees receivable, gross	9,400	12,500
Automobile Loan [Member] | Financial Asset, Not Past Due [Member]
Total loans, interest and fees receivable, gross	84,000	80,700
Other Unsecured Lending Products [Member]
Total loans, interest and fees receivable, gross	135,200	210,200
Balance of loans greater than 90-days delinquent still accruing interest and fees	0	0
Other Unsecured Lending Products [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total loans, interest and fees receivable, gross	3,600	5,100
Other Unsecured Lending Products [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total loans, interest and fees receivable, gross	3,000	3,800
Other Unsecured Lending Products [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans, interest and fees receivable, gross	11,200	9,500
Other Unsecured Lending Products [Member] | Financial Asset, Past Due [Member]
Total loans, interest and fees receivable, gross	17,800	18,400
Other Unsecured Lending Products [Member] | Financial Asset, Not Past Due [Member]
Total loans, interest and fees receivable, gross	$ 117,400	$ 191,800

Note 2 - Significant Accounti_6

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Troubled Debt Restructurings (Details) $ in Thousands		12 Months Ended
		Sep. 30, 2021USD ($)	Sep. 30, 2020USD ($)	Dec. 31, 2020USD ($)
Point-of-Sale [Member]
Number of TDRs		13,990		12,394
Amount of TDRs on non-accrual status (in thousands)		$ 16,245		$ 14,537
Carrying value of TDRs (in thousands)		$ 10,720		9,583
Number of accounts		2,502	3,820
Loan balance at time of charge off (in thousands)		$ 3,420	$ 5,333
Point-of-Sale [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	8,643		7,420
Point-of-Sale [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 2,077		$ 2,163
Point-of-Sale [Member] | Extended Maturity [Member]
Number of TDRs		1,222		2,788
Amount of TDRs on non-accrual status (in thousands)		$ 1,779		$ 4,662
Direct-to-Consumer [Member]
Number of TDRs		35,026		37,784
Amount of TDRs on non-accrual status (in thousands)		$ 23,060		$ 26,989
Carrying value of TDRs (in thousands)		$ 14,649		14,287
Number of accounts		5,624	7,986
Loan balance at time of charge off (in thousands)		$ 4,489	$ 7,055
Direct-to-Consumer [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	12,933		11,855
Direct-to-Consumer [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 1,716		$ 2,432
Direct-to-Consumer [Member] | Extended Maturity [Member]
Number of TDRs		3,032		7,846
Amount of TDRs on non-accrual status (in thousands)		$ 2,295		$ 6,890
[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 - Components of Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Revenue from contracts with customers		$ 8,655	$ 4,722	$ 20,546	$ 10,358
Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	5,276	2,732	12,167	6,554
Servicing Income [Member]
Revenue from contracts with customers		854	527	2,215	1,619
Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		2,525	1,463	6,164	2,185
Credit and Other Investments [Member]
Revenue from contracts with customers		8,315	4,441	19,552	9,576
Credit and Other Investments [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	5,276	2,732	12,167	6,554
Credit and Other Investments [Member] | Servicing Income [Member]
Revenue from contracts with customers		529	262	1,266	886
Credit and Other Investments [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		2,510	1,447	6,119	2,136
Auto Finance [Member]
Revenue from contracts with customers		340	281	994	782
Auto Finance [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	0	0	0	0
Auto Finance [Member] | Servicing Income [Member]
Revenue from contracts with customers		325	265	949	733
Auto Finance [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		$ 15	$ 16	$ 45	$ 49
[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, 2021
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, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Consumer loans, including past due fees	$ 141,177	$ 103,643	$ 366,127	$ 306,902
Fees and related income on earning assets	54,085	35,488	140,658	102,532
Other revenue	8,655	4,722	20,546	10,358
Other non-operating revenue	32	635	3,458	950
Total revenue	203,949	144,488	530,789	420,742
Interest expense	(12,370)	(12,678)	(38,458)	(38,514)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(9,238)	(17,028)	(24,469)	(116,894)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	(58,727)	(32,298)	(144,981)	(73,156)
Net margin	123,614	82,484	322,881	192,178
Income before income taxes	57,878	48,263	156,618	83,002
Income tax benefit (expense)	(10,781)	(9,456)	(28,668)	(15,716)
Total assets	1,482,944	1,040,575	1,482,944	1,040,575	$ 1,207,214
Credit and Other Investments [Member]
Consumer loans, including past due fees	132,747	95,684	341,113	283,143
Fees and related income on earning assets	54,065	35,471	140,603	102,484
Other revenue	8,315	4,441	19,552	9,576
Other non-operating revenue	0	625	3,404	927
Total revenue	195,127	136,221	504,672	396,130
Interest expense	(12,109)	(12,438)	(37,668)	(37,590)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(9,192)	(16,713)	(24,495)	(115,142)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	(58,727)	(32,298)	(144,981)	(73,156)
Net margin	115,099	74,772	297,528	170,242
Income before income taxes	55,134	45,803	148,410	76,794
Income tax benefit (expense)	(10,117)	(8,821)	(26,670)	(14,100)
Total assets	1,400,701	960,527	1,400,701	960,527
Auto Finance [Member]
Consumer loans, including past due fees	8,430	7,959	25,014	23,759
Fees and related income on earning assets	20	17	55	48
Other revenue	340	281	994	782
Other non-operating revenue	32	10	54	23
Total revenue	8,822	8,267	26,117	24,612
Interest expense	(261)	(240)	(790)	(924)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(46)	(315)	26	(1,752)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	0	0	0	0
Net margin	8,515	7,712	25,353	21,936
Income before income taxes	2,744	2,460	8,208	6,208
Income tax benefit (expense)	(664)	(635)	(1,998)	(1,616)
Total assets	$ 82,243	$ 80,048	$ 82,243	$ 80,048

Note 4 - Shareholders' Equity_2

Note 4 - Shareholders' Equity and Preferred Stock (Details Textual) - USD ($)	Jul. 08, 2021	Jun. 08, 2021	Mar. 30, 2020	Dec. 27, 2019	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020	Nov. 14, 2019	Nov. 26, 2014
Stock Repurchased and Retired During Period, Shares (in shares)					109,312			48,275			127,987	133,998
Stock Repurchased and Retired During Period, Value					$ 5,193,000	$ 304,000	$ 297,000	$ 492,000	$ 112,000	$ 559,000	$ 5,794,000	$ 1,163,000
Own-share Lending Arrangement, Shares, Outstanding (in shares)					1,459,233						1,459,233		1,459,233
Class B Preferred Units [Member]
Preferred Units, Issued (in shares)														50,500,000
Preferred Unit Purchase Price (in dollars per share)														$ 1
Preferred Units Issued, Percentage of Preferred Return														16.00%
Preferred Units Issued, Maximum Percentage Points of Preferred Return in Form of Issuance of Additional Units or Cash														6.00%
Additional Preferred Units Issued (in shares)			50,000,000
Series A Preferred Stock [Member]
Preferred stock, shares issued (in shares)				400,000									400,000
Preferred stock, shares authorized (in shares)				10,000,000	10,000,000,000						10,000,000,000		10,000,000,000
Preferred stock, shares outstanding (in shares)				400,000	400,000						400,000		400,000
Preferred stock, liquidation preference				$ 40,000,000	$ 40,000						$ 40,000		$ 40,000
Preferred Stock, Dividend Rate, Percentage				6.00%
Temporary Equity, Redemption Price Per Share (in dollars per share)				$ 100
Temporary Equity, Conversion Price Per Share (in dollars per share)				$ 10
Series B Preferred Stock [Member]
Stock Issued During Period, Shares, New Issues (in shares)	388,533
Preferred Stock, No Par Value (in dollars per share)					$ 0						$ 0		$ 0
Proceeds from Issuance of Preferred Stock and Preference Stock	$ 9,700,000
Preferred Stock, Redemption Price Per Share (in dollars per share)	$ 25
Series B Preferred Stock [Member] | Public Offering [Member]
Preferred Stock, Dividend Rate, Percentage		7.625%
Stock Issued During Period, Shares, New Issues (in shares)		2,800,000
Preferred Stock, No Par Value (in dollars per share)		$ 0
Preferred Stock, Liquidation Preference Per Share (in dollars per share)		25
Shares Issued, Price Per Share (in dollars per share)		$ 25
Proceeds from Issuance of Preferred Stock and Preference Stock		$ 70,000,000
Dove Ventures, LLC [Member] | Senior Secured Term Loan Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity															$ 40,000,000
Extinguishment of Debt, Amount				$ 40,000,000

Note 5 - Investment in Equity_3

Note 5 - Investment in Equity-method Investee (Details Textual)	Dec. 31, 2020
Equity Method Investment to Acquire Portfolio of Credit Card Receivables [Member]
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, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019
Total assets	$ 1,482,944	$ 1,040,575	$ 1,482,944	$ 1,040,575			$ 1,207,214
Total liabilities	1,081,417		1,081,417				991,354
Members’ capital	261,952	55,673	261,952	55,673	$ 216,418	$ 117,794	76,510	$ 21,417	$ 2,753	$ 335
Net margin	203,949	144,488	530,789	420,742
Net income	47,097	38,807	127,950	67,286
Net income attributable to our equity investment investee			16	355
Equity Method Investment, Nonconsolidated Investee or Group of Investees [Member]
Loans, interest and fees receivables, at fair value	0		0				1,994
Total assets	0		0				2,105
Total liabilities	0		0				10
Members’ capital	0		0				$ 2,095
Net margin	33	546	94	638
Net income	11	513	23	532
Net income attributable to our equity investment investee	$ 8	$ 342	$ 16	$ 355

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, 2021	Dec. 31, 2020
Loans, interest and fees receivable, at fair value		$ 846,160	$ 417,098
Fair Value, Recurring [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]	401,287	503,139
Loans, interest and fees receivable, at fair value	[1]	846,160	417,098
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]	0	0
Loans, interest and fees receivable, at fair value	[1]	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]	0	0
Loans, interest and fees receivable, at fair value	[1]	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]	475,970	586,908
Loans, interest and fees receivable, at fair value	[1]	$ 846,160	$ 417,098
[1]	For cash, deposits and investments in equity securities, 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, 2021	Sep. 30, 2020
Balance	$ 417,098	$ 4,386
Chargeoffs, net of recoveries, included in earnings	(62,627)	(3,930)
Purchases	1,137,207	481,212
Settlements	(796,896)	(163,592)
Finance and fees, included in earnings	234,430	62,487
Balance	$ 846,160	$ 310,784

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, 2021USD ($)	Dec. 31, 2020USD ($)
Loans, interest and fees receivable, at fair value	$ 846,160	$ 417,098
Notes Payable Associated with Structured Financings, Fair Value	2,221	2,919
Valuation Technique, Discounted Cash Flow [Member]
Notes Payable Associated with Structured Financings, Fair Value	2,221	2,919
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member]
Loans, interest and fees receivable, at fair value	$ 846,160	$ 417,098
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.229	0.227
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.541	0.565
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.403	0.433
Notes payable associated with structured financings, measurement input	0.261	0.237
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.051	0.039
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.116	0.114
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.100	0.085
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Prepayment Rate [Member] | Weighted Average [Member]
Notes payable associated with structured financings, measurement input	0.051	0.039
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.053	0.069
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.317	0.314
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.273	0.248
Notes payable associated with structured financings, measurement input	0.073	0.079
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.032	0.029
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.113	0.142
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.044	0.043
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.127	0.128
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.135	0.135
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.130	0.133
Notes payable associated with structured financings, measurement input	0.127	0.132

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, 2021	Dec. 31, 2020
Revolving credit facilities	$ 977,901	$ 857,068
Amortizing debt facilities	17,421	25,542
Convertible senior notes	0	24,386
Notes Payable Associated with Structured Financings, Fair Value	2,221	2,919
Fair Value, Inputs, Level 1 [Member]
Revolving credit facilities	0	0
Amortizing debt facilities	0	0
Convertible senior notes	0	0
Notes Payable Associated with Structured Financings, Fair Value	0	0
Fair Value, Inputs, Level 2 [Member]
Revolving credit facilities	0	0
Amortizing debt facilities	0	0
Convertible senior notes	0	41,284
Notes Payable Associated with Structured Financings, Fair Value	0	0
Fair Value, Inputs, Level 3 [Member]
Revolving credit facilities	977,901	857,068
Amortizing debt facilities	17,421	25,542
Convertible senior notes	0	0
Notes Payable Associated with Structured Financings, Fair Value	$ 2,221	$ 2,919

Note 6 - Fair Values of Asset_7

Note 6 - Fair Values of Assets and Liabilities - Reconciliation of Level 3 Liabilities (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
Balance	$ 2,919	$ 3,920
Repayments on outstanding notes payable, net	0	0
Balance	$ 2,221	$ 3,367

Note 6 - Fair Values of Asset_8

Note 6 - Fair Values of Assets and Liabilities - Summary of Other Relevant Data (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Loans, interest and fees receivable, at fair value	$ 846,160	$ 417,098
Loans and Fees Receivable at Fair Value [Member]
Aggregate unpaid gross balance of loans, interest and fees receivable that are reported at fair value	1,850	630
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	1,774	589
Loans, interest and fees receivable, at fair value	1,485	540
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)	9	1
Unpaid principal balance of receivables within loans, interest 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, interest and fees receivable	31	4
Structured Financing Notes Payable [Member]
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	101,314	101,314
Aggregate fair value of notes payable	2,221	2,919
Loans and Fees Receivable Pledged as Collateral, Fair Value [Member]
Aggregate unpaid gross balance of loans, interest and fees receivable that are reported at fair value	1,026,517	515,434
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	951,905	487,779
Loans, interest and fees receivable, at fair value	844,675	416,558
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)	2,199	1,847
Unpaid principal balance of receivables within loans, interest 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, interest and fees receivable	$ 34,576	$ 12,972

Note 7 - Variable Interest En_3

Note 7 - Variable Interest Entities - Summary of Variable Interest Entities (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020	Sep. 30, 2020
Unrestricted cash and cash equivalents	$ 166,966	$ 178,102
Restricted cash and cash equivalents	47,808	80,859
Loans, interest and fees receivable, at fair value	846,160	417,098
Total loans, interest and fees receivable, gross	511,140	667,556
Allowances for uncollectible loans, interest and fees receivable	(80,029)	(124,961)
Deferred revenue	(29,824)	(39,456)
Total Assets held by VIEs	1,482,944	1,207,214	$ 1,040,575
Notes Payable, net held by VIEs	995,322	882,610
Notes Payable, at fair value held by VIEs	2,221	2,919
Maximum exposure to loss due to involvement with VIEs	1,086,500	864,400
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	93,500	96,600
Restricted cash and cash equivalents	30,900	70,200
Loans, interest and fees receivable, at fair value	753,800	374,200
Total loans, interest and fees receivable, gross	404,100	560,200
Allowances for uncollectible loans, interest and fees receivable	(76,800)	(120,900)
Deferred revenue	(7,400)	(10,300)
Total Assets held by VIEs	1,198,100	970,000
Notes Payable, net held by VIEs	944,500	827,100
Notes Payable, at fair value held by VIEs	$ 2,200	$ 2,900

Note 8 - Leases (Details Textua

Note 8 - Leases (Details Textual) $ in Millions	6 Months Ended
	Jun. 30, 2021	Aug. 31, 2021USD ($)ft²
Operating Leases, Options to Extend for Additional Periods, Revolving Periods (Year)	1 year
Operating Lease in Atlanta, Georgia [Member]
Area of Real Estate Property (Square Foot) | ft²		73,000
Lessee, Operating Lease, Lease Not yet Commenced, Term of Contract (Month)		146 months
Lessee, Operating Lease, Lease Not yet Commenced, Commitment | $		$ 27.8
Minimum [Member]
Lessee, Operating Lease, Term of Contract (Year)	1 year
Maximum [Member]
Lessee, Operating Lease, Term of Contract (Year)	5 years

Note 8 - Leases - Lease Cost (D

Note 8 - Leases - Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Operating lease cost, gross	$ 1,740	$ 1,710	$ 5,187	$ 5,155
Sublease income	(1,292)	(1,334)	(3,876)	(3,901)
Net Operating lease cost	448	376	1,311	1,254
Cash paid under operating leases, gross	$ 2,635	$ 2,588	$ 7,837	$ 7,689
Weighted average remaining lease term - months (Month)	14 months		14 months
Weighted average discount rate	6.30%		6.30%

Note 8 - Leases - Maturities of

Note 8 - Leases - Maturities of Lease Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
2021 (excluding the three months ended March 31, 2021), gross	$ 2,633
2021 (excluding the three months ended March 31, 2021), payments received from sublease	(1,855)
2021 (excluding the three months ended March 31, 2021), net lease payment	778
2022, gross	4,745
2022, payments received from sublease	(3,112)
2022, net lease payment	1,633
2023, gross	465
2023, payments received from sublease	0
2023, net lease payment	465
2024, gross	261
2024, payments received from sublease	0
2024, net lease payment	261
2025, gross	139
2025, payments received from sublease	0
2025, net lease payment	139
Thereafter, gross	63
Thereafter, payments received from sublease	0
Thereafter, net lease payment	63
Gross, gross	8,306
Sublease income, payments received from sublease	(4,967)
Lease payments, net lease payment	3,339
Less imputed interest, gross	(1,075)
Total, net	$ 7,231	$ 13,776

Note 9 - Notes Payable (Details

Note 9 - Notes Payable (Details Textual) - USD ($) $ in Thousands	1 Months Ended						5 Months Ended	9 Months Ended
	Sep. 30, 2021	Jun. 30, 2021	Oct. 31, 2020	Jul. 31, 2020	Nov. 30, 2019	Jun. 30, 2019	May 31, 2021	Sep. 30, 2021	Sep. 30, 2020	Jan. 31, 2021	Dec. 31, 2020	Sep. 30, 2019	Aug. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Feb. 28, 2017	Oct. 31, 2016	Oct. 31, 2015	Nov. 30, 2005
Long-term Line of Credit, Total	$ 977,901							$ 977,901			$ 857,068
Proceeds from Issuance of Long-term Debt, Total		$ 300,000	$ 250,000	$ 100,000	$ 200,000	$ 200,000		507,227	$ 249,353
Asset Backed Securities, Term of Revolving Structure (Year)	24 months	4 years	41 months	3 years	3 years
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)	18 months		18 months	18 months
Asset Backed Securities, Weighted Average Interest Rate		4.24%	4.10%	5.47%	4.91%
Notes Payable Associated with Structured Financings, Fair Value	$ 2,221							2,221			2,919
Aggregate Exposure to Pretax Equity Loss, Structured Financing at Fair Value	0							0
Term Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity	75,000							75,000		$ 15,000
Long-term Line of Credit, Total	$ 0	$ 10,000						$ 0
Debt Instrument, Interest Rate, Stated Percentage	2.75%							2.75%
Securitization Financing Facility [Member]
Debt Instrument, Face Amount	$ 101,300							$ 101,300			101,300
Notes Payable Associated with Structured Financings, Fair Value	2,200							2,200			2,900
Debt Instrument, Collateral Amount	2,200							2,200
Convertible Debt [Member] | Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member]
Debt Instrument, Face Amount	0							0			$ 33,839		$ 54,400
Debt Instrument, Repurchase Amount													16,300
Debt Instrument, Interest Rate, Stated Percentage																			5.875%
Term Note [Member]
Long-term Debt, Total													$ 17,400
Debt Instrument, Interest Rate, Stated Percentage													8.00%
Minimum [Member]
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)		11 months			12 months
Minimum [Member] | Term Facility [Member]
Debt Instrument, Interest Rate, Stated Percentage		4.00%
Maximum [Member]
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)		18 months			18 months
Revolving Credit Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity																		$ 50,000
Long-term Line of Credit, Total	28,700							28,700
Revolving Credit Facility [Member] | Term Note [Member]
Line of Credit Facility, Maximum Borrowing Capacity												$ 30,000
Secured by the Financial and Operating Assets of CAR [Member]
Line of Credit Facility, Maximum Borrowing Capacity	55,000							55,000									$ 40,000
Long-term Line of Credit, Total	33,400							33,400
Trust Funding Notes Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity							$ 70,000									$ 90,000
Trust Funding Notes Facility [Member] | Other Nonoperating Income (Expense) [Member]
Removal of Accrual Related to Contingent Liability							$ 1,500
Additional Trust Funding Notes Facilities [Member]
Line of Credit Facility, Maximum Borrowing Capacity														$ 200,000
Long-term Line of Credit, Total	35,000							35,000
December 2017 Revolving Credit Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity															$ 25,000
June 2019 Revolving Credit Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity						$ 15,000
Long-term Line of Credit, Total	$ 5,100							$ 5,100
London Interbank Offered Rate (LIBOR) [Member]
Debt Instrument, Variable Rate	0.08%							0.08%
London Interbank Offered Rate (LIBOR) [Member] | Revolving Credit Facility [Member]
Debt Instrument, Basis Spread on Variable Rate								3.00%
London Interbank Offered Rate (LIBOR) [Member] | Secured by the Financial and Operating Assets of CAR [Member] | Minimum [Member]
Debt Instrument, Basis Spread on Variable Rate								2.40%
London Interbank Offered Rate (LIBOR) [Member] | Secured by the Financial and Operating Assets of CAR [Member] | Maximum [Member]
Debt Instrument, Basis Spread on Variable Rate								3.00%
London Interbank Offered Rate (LIBOR) [Member] | Additional Trust Funding Notes Facilities [Member] | Minimum [Member]
Debt Instrument, Basis Spread on Variable Rate								4.50%
London Interbank Offered Rate (LIBOR) [Member] | Additional Trust Funding Notes Facilities [Member] | Maximum [Member]
Debt Instrument, Basis Spread on Variable Rate								6.50%
London Interbank Offered Rate (LIBOR) [Member] | December 2017 Revolving Credit Facility [Member]
Long-term Line of Credit, Total	$ 23,800							$ 23,800
Debt Instrument, Basis Spread on Variable Rate								3.50%
Prime Rate [Member]
Debt Instrument, Variable Rate	3.25%							3.25%
Commercial Paper Rates [Member] | Additional Trust Funding Notes Facilities [Member]
Debt Instrument, Basis Spread on Variable Rate								3.15%

Note 9 - Notes Payable - Schedu

Note 9 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) - USD ($) $ in Thousands		Sep. 30, 2021	Dec. 31, 2020
Revolving credit facilities		$ 977,901	$ 857,068
Amortizing debt facilities		17,421	25,542
Total notes payable before unamortized debt issuance costs and discounts	[1]	1,003,400	891,300
Unamortized debt issuance costs and discounts	[1]	(8,100)	(8,700)
Total notes payable outstanding, net	[1]	995,300	882,600
Other Secured Debt [Member]
Amortizing debt facilities		0	3,200
Phoenix [Member]
Unsecured term debt (expiring August 26, 2024) with a weighted average interest rate equal to 8.0% (3)	[1],[2]	17,400	17,400
Amortizing Debt Facility Two [Member]
Amortizing debt facilities	[2],[3],[4],[5]	0	5,000
Revolving Credit Facility Expiring November 1, 2023 [Member]
Revolving credit facilities	[1],[2],[5],[6]	33,400	34,900
Revolving Credit Facility Expiring October 30, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5]	28,700	50,000
Revolving Credit Facility Repaid in May 2021 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5],[7]	0	5,800
Revolving Credit Facility Expiring October 15, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5],[7]	10,000	10,000
Revolving Credit Facility Expiring July 15 2021 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5]	5,100	4,700
Revolving Credit Facility Expiring August 15, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5],[7]	25,000	2,500
Revolving Credit Facility Repaid in June 2021 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	0	200,000
Revolving Credit Facility Expiring May 15, 2024 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	200,000	200,000
Revolving Credit Facility Expiring April 21, 2021 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5]	23,800	7,800
Revolving Credit Facility Expiring January 15, 2025 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	100,000	100,000
Revolving Credit Facility Expiring October 15, 2025 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	250,000	250,000
Revolving Credit Facility Expiring February 15, 2024 [Member]
Revolving credit facilities	[1],[2],[3],[4]	10,000	0
Revolving Credit Facility Expiring December 15, 2026 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	300,000	0
Revolving Credit Facility Expiring March, 2025 [Member]
Revolving credit facilities	[2],[3],[4],[7]	$ 0	$ 0
[1]	As of September 30, 2021, the LIBOR rate was 0.08% and the prime rate was 3.25%.
[2]	See below for additional information.
[3]	Loans are associated with VIEs.
[4]	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.
[5]	These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.
[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.
[7]	Creditors do not have recourse against the general assets of the Company but only to the collateral within the VIEs.

Note 9 - Notes Payable - Sche_2

Note 9 - 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, 2021	Dec. 31, 2020	Oct. 31, 2015
Phoenix [Member]
Interest rate	[1]	8.00%	8.00%
Debt maturity	[1]	Aug. 26, 2024	Aug. 26, 2024
Amortizing Debt Facility Two [Member]
Debt maturity	[1],[2],[3],[4]	Sep. 30, 2021	Sep. 30, 2021
Revolving Credit Facility Expiring November 1, 2023 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[4],[5],[6]	$ 55	$ 55
Revolving credit facility, expiration date	[1],[4],[5],[6]	Nov. 1, 2023	Nov. 1, 2023
Revolving Credit Facility [Member]
Revolving credit facility, maximum borrowing capacity				$ 50
Amount of securing assets		$ 1,194.1	$ 943.6
Interest rate		4.50%	4.80%
Revolving Credit Facility Expiring October 30, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5]	$ 50
Revolving credit facility, expiration date	[1],[2],[3],[4],[5]	Oct. 30, 2023	Oct. 30, 2023
Revolving Credit Facility Repaid in May 2021 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5],[7]	$ 70	$ 70
Revolving credit facility, expiration date		May 31, 2021	May 31, 2021
Revolving Credit Facility Expiring October 15, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5],[7]	$ 100	$ 100
Revolving credit facility, expiration date	[1],[2],[3],[4],[5],[7]	Oct. 15, 2022	Oct. 15, 2022
Revolving Credit Facility Expiring July 15 2021 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5]	$ 15	$ 15
Revolving credit facility, expiration date	[1],[2],[3],[4],[5]	Jul. 15, 2022	Jul. 15, 2022
Revolving Credit Facility Expiring August 15, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5],[7]	$ 100	$ 100
Revolving credit facility, expiration date	[1],[2],[3],[4],[5],[7]	Aug. 15, 2022	Aug. 15, 2022
Revolving Credit Facility Repaid in June 2021 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[5],[7]	$ 200
Revolving credit facility, expiration date		Jun. 30, 2021	Jun. 30, 2021
Revolving Credit Facility Expiring May 15, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[5],[7]	$ 200	$ 200
Revolving credit facility, expiration date	[1],[2],[3],[5],[7]	May 15, 2024	May 15, 2024
Revolving Credit Facility Expiring April 21, 2021 [Member]
Revolving credit facility, maximum borrowing capacity		$ 25	$ 25
Revolving credit facility, expiration date		Apr. 21, 2023	Apr. 21, 2023
Revolving Credit Facility Expiring January 15, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5]	$ 100	$ 100
Revolving credit facility, expiration date	[1],[2],[3],[4],[5]	Jan. 15, 2025	Jan. 15, 2025
Revolving Credit Facility Expiring October 15, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5]	$ 250	$ 250
Revolving credit facility, expiration date	[1],[2],[3],[4],[5]	Oct. 15, 2025	Oct. 15, 2025
Revolving Credit Facility Expiring February 15, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[5],[7]	$ 15	$ 15
Revolving credit facility, expiration date	[1],[2],[3],[5],[7]	Feb. 15, 2024	Feb. 15, 2024
Revolving Credit Facility Expiring December 15, 2026 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[5],[7]	$ 300	$ 300
Revolving credit facility, expiration date	[1],[2],[3],[5],[7]	Dec. 15, 2026	Dec. 15, 2026
Revolving Credit Facility Expiring March, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[7]	$ 75	$ 75
Revolving credit facility, expiration date		Mar. 31, 2025	Mar. 31, 2025
[1]	See below for additional information.
[2]	Loans are associated with VIEs.
[3]	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.
[4]	These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.
[5]	As of September 30, 2021, the LIBOR rate was 0.08% and the prime rate was 3.25%.
[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.
[7]	Creditors do not have recourse against the general assets of the Company but only to the collateral within the VIEs.

Note 9 - Notes Payable - Sche_3

Note 9 - Notes Payable - Schedule of Structured Financing Notes Payable (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of September 30, 2021 ($101.3 million as of December 31, 2020) bearing interest at a weighted average 5.6% interest rate, based upon LIBOR, at September 30, 2021 (5.7% at December 31, 2020), which is secured by credit card receivables and restricted cash aggregating $2.2 million as of September 30, 2021 ($2.9 million as of December 31, 2020) in carrying amount	$ 2,221	$ 2,919
Securitization Financing Facility [Member]
Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of September 30, 2021 ($101.3 million as of December 31, 2020) bearing interest at a weighted average 5.6% interest rate, based upon LIBOR, at September 30, 2021 (5.7% at December 31, 2020), which is secured by credit card receivables and restricted cash aggregating $2.2 million as of September 30, 2021 ($2.9 million as of December 31, 2020) in carrying amount	$ 2,200	$ 2,900

Note 9 - Notes Payable - Sche_4

Note 9 - Notes Payable - Schedule of Structured Financing Notes Payable (Details) (Parentheticals) - Securitization Financing Facility [Member] - USD ($) $ in Millions	9 Months Ended	12 Months Ended
	Sep. 30, 2021	Dec. 31, 2020
Debt maturity	Dec. 31, 2021	Dec. 31, 2021
Amortizing securitization facility, outstanding face amount	$ 101.3	$ 101.3
Amortizing securitization facility, amount secured by credit card receivables and restricted cash	$ 2.2	$ 2.9
London Interbank Offered Rate (LIBOR) [Member]
Interest rate	5.60%	5.70%

Note 10 - Convertible Senior _3

Note 10 - Convertible Senior Notes (Details Textual) - USD ($)	Jun. 17, 2021	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Nov. 30, 2005
Gain (Loss) on Extinguishment of Debt, Total		$ (16,184,000)	$ 0	$ (29,439,000)	$ 0
Conversion of Convertible Senior Notes to Common Stock [Member]
Debt Conversion, Original Debt, Amount	$ 11,800,000
Unsecured Convertible Senior Notes [Member]
Debt Instrument, Face Amount						$ 300,000,000
Convertible Senior Note [Member]
Extinguishment of Debt, Amount		900,000		22,100,000
Repayments of Convertible Debt	12,100,000	1,600,000		30,400,000
Gain (Loss) on Extinguishment of Debt, Total	(15,300,000)	$ (900,000)		$ (14,100,000)
Debt Instrument, Convertible, Cash Paid Per $1,000 Principal Held	$ 1,000

Note 10 - Convertible Senior _4

Note 10 - Convertible Senior Notes - Summary of Convertible Senior Notes (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2021	Dec. 31, 2020	Aug. 31, 2019
Net carrying value	$ 0	$ 24,386
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member] | Convertible Debt [Member]
Face amount of convertible senior notes	0	33,839	$ 54,400
Discount	0	(9,453)
Net carrying value	0	24,386
Carrying amount of equity component included in paid-in capital	108,714	108,714
Excess of instruments’ if-converted values over face principal amounts	$ 0	$ 0

Note 11 - Commitments and Con_2

Note 11 - Commitments and Contingencies (Details Textual) $ in Millions	Sep. 30, 2021USD ($)
Pledged Assets, Other, Not Separately Reported on Statement of Financial Position, Total	$ 16.9
Unfunded Individual Credit Commitment [Member]
Other Commitment, Total	1,900
Unfunded Outstanding Floor-Plan Financing Commitment [Member]
Other Commitment, Total	12.8
Credit Protection Program [Member]
Loss Contingency, Estimate of Possible Loss	50.8
Loss Contingency Accrual, Ending Balance	$ 0.6

Note 12 - Net Income Attribut_3

Note 12 - Net Income Attributable to Controlling Interests Per Common Share (Details Textual) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Weighted Average Number of Shares, Restricted Stock (in shares)	278,425	417,483	376,301	436,414
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	0	0	100,000
Series A Preferred Stock [Member]
Incremental Common Shares Attributable to Dilutive Effect of Conversion of Preferred Stock (in shares)	4,000,000	4,000,000	4,000,000	3,725,158

Note 12 - Net Income Attribut_4

Note 12 - Net Income 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, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Net income attributable to controlling interests		$ 46,974	$ 38,855	$ 127,925	$ 67,445
Preferred stock and preferred unit dividends and accretion		(6,629)	(4,788)	(16,054)	(12,283)
Net income attributable to common shareholders—basic		40,345	34,067	111,871	55,162
Effect of dilutive preferred stock dividends and accretion		605	604	1,795	1,797
Net income attributable to common shareholders—diluted		$ 40,950	$ 34,671	$ 113,666	$ 56,959
Basic (including unvested share-based payment awards) (1) (in shares)	[1]	15,118	14,523	15,104	14,462
Effect of dilutive stock compensation arrangements and exchange of preferred stock (in shares)		5,732	5,625	5,832	5,515
Diluted (including unvested share-based payment awards) (1) (in shares)	[1]	20,850	20,148	20,936	19,977
Net income attributable to common shareholders per common share—basic (in dollars per share)		$ 2.67	$ 2.35	$ 7.41	$ 3.81
Net income attributable to common shareholders per common share—diluted (in dollars per share)		$ 1.96	$ 1.72	$ 5.43	$ 2.85
[1]	Shares related to unvested share-based payment awards included in our basic and diluted share counts were 278,425 and 376,301 for the three and nine months ended September 30, 2021, respectively, compared to 417,483 and 436,414 for the three and nine months ended September 30, 2020

Note 13 - Stock-based Compens_3

Note 13 - Stock-based Compensation (Details Textual) - USD ($) $ in Thousands	May 09, 2019	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Adjustment to Additional Paid in Capital, Income Tax Effect from Share-based Compensation, Net, Total		$ 0
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares)				53,584	61,373
Share-based Payment Arrangement, Expensed and Capitalized, Amount, Total				$ 1,700	$ 600
Share-based Payment Arrangement, Expense				900	700
Share-based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount		1,300		$ 1,300
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)				1 year 6 months
Restricted Stock [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Month)				12 months
Restricted Stock [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Month)				60 months
Share-based Payment Arrangement, Option [Member]
Share-based Payment Arrangement, Expense		700	$ 100	$ 1,400	300
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Month)				3 years
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period (Year)				10 years
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Term (Year)				5 years
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate				80.90%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate				0.86%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Fair Value		2,100		$ 3,200	$ 0
Share-based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount		$ 3,100		$ 3,100		$ 1,400
The Fourth Amended 2014 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Additional Shares Authorized (in shares)	2,000,000
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period Extension (Year)	2 years
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in shares)		1,613,958		1,613,958
Employee Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in shares)		54,734		54,734

Note 13 - Stock-based Compens_4

Note 13 - Stock-based Compensation - Summary of Outstanding Options (Details) - USD ($)	9 Months Ended
	Sep. 30, 2021
Outstanding (in shares)	2,423,466
Outstanding, weighted average exercise price (in dollars per share)	$ 4.41
Issued (in shares)	133,850
Issued, weighted average exercise price (in dollars per share)	$ 37.37
Exercised (in shares)	(505,999)
Exercised, weighted average exercise price (in dollars per share)	$ 3.44
Expired/Forfeited (in shares)	(12,000)
Expired/Forfeited, weighted average exercise price (in dollars per share)	$ 15.30
Outstanding (in shares)	2,039,317
Outstanding, weighted average exercise price (in dollars per share)	$ 6.75
Outstanding, weighted average remaining contractual life (Year)	1 year 4 months 24 days
Outstanding, aggregate intrinsic value	$ 94,432,699
Exercisable (in shares)	1,542,634
Exercisable, weighted average exercise price (in dollars per share)	$ 3.49
Exercisable, weighted average remaining contractual life (Year)	9 months 18 days
Exercisable, aggregate intrinsic value	$ 76,461,888