Regional Management (RM) 10-K 21 Feb 25 2024 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2024	Feb. 19, 2025	Jun. 28, 2024
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Transition Report	false
Document Period End Date	Dec. 31, 2024
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Entity Central Index Key	0001519401
Entity Registrant Name	Regional Management Corp.
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Interactive Data Current	Yes
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Well-known Seasoned Issuer	No
Entity Public Float			$ 239,547,871
ICFR Auditor Attestation Flag	true
Entity Common Stock, Shares Outstanding		9,831,461
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Small Business	false
Entity Emerging Growth Company	false
Title of 12(b) Security	Common Stock, $0.10 par value
Trading Symbol	RM
Entity File Number	001-35477
Security Exchange Name	NYSE
Entity Incorporation State Country Code	DE
Entity Tax Identification Number	57-0847115
Entity Address Address Line1	979 Batesville Road
Entity Address, Address Line Two	Suite B
Entity Address, City or Town	Greer
Entity Address, State or Province	SC
Entity Address, Postal Zip Code	29651
City Area Code	864
Local Phone Number	448-7000
Documents Incorporated by Reference	Certain information required by Part III of this Annual Report on Form 10-K is incorporated herein by reference to the Proxy Statement for the registrant’s 2025 Annual Meeting of Stockholders, which is expected to be filed pursuant to Regulation 14A within 120 days after the end of the registrant’s fiscal year ended December 31, 2024 .
Auditor Firm ID	34
Auditor Name	DELOITTE & TOUCHE LLP
Auditor Location	Charlotte, North Carolina
Auditor Opinion	Opinion on the Financial Statements We have audited the accompanying consolidated balance sheets of Regional Management Corp. and subsidiaries (the "Company") as of December 31, 2024, and 2023, the related consolidated statements of comprehensive income, stockholders' equity, and cash flows, for each of the three years in the period ended December 31, 2024, and the related notes to consolidated financial statements (collectively referred to as the "financial statements"). In our opinion, the financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2024, and 2023, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2024, in conformity with accounting principles generally accepted in the United States of America. We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the Company's internal control over financial reporting as of December 31, 2024, based on criteria established in Internal Control — Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission and our report dated February 21, 2025, expressed an unqualified opinion on the Company's internal control over financial reporting. Opinion on Internal Control over Financial Reporting We have audited the internal control over financial reporting of Regional Management Corp. and subsidiaries (the “Company”) as of December 31, 2024, based on criteria established in Internal Control — Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). In our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of December 31, 2024, based on criteria established in Internal Control — Integrated Framework (2013) issued by COSO. We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the consolidated financial statements as of and for the year ended December 31, 2024, of the Company and our report dated February 21, 2025, expressed an unqualified opinion on those financial statements.

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets
Cash	$ 3,951	$ 4,509
Net finance receivables	1,892,535	1,771,410
Unearned insurance premiums	(48,068)	(47,892)
Allowance for credit losses	(199,500)	(187,400)
Net finance receivables, less unearned insurance premiums and allowance for credit losses	1,644,967	1,536,118
Restricted cash	131,684	124,164
Lease assets	38,442	34,303
Intangible assets	24,524	15,846
Restricted AFS investments	21,712	22,740
Property and equipment	13,677	13,787
Deferred tax assets, net	9,286	13,641
Other assets	20,866	29,419
Total assets	1,909,109	1,794,527
Liabilities:
Debt	1,478,336	1,399,814
Unamortized debt issuance costs	(6,338)	(4,578)
Net debt	1,471,998	1,395,236
Lease liabilities	40,579	36,576
Accounts payable and accrued expenses	39,454	40,442
Total liabilities	1,552,031	1,472,254
Commitments and contingencies (Notes 7, 18, and 19)
Stockholders’ equity:
Preferred stock ($0.10 par value, 100,000 shares authorized, none issued or outstanding)
Common stock ($0.10 par value, 1,000,000 shares authorized, 14,921 shares issued and 10,010 shares outstanding at December 31, 2024 and 14,566 shares issued and 9,759 shares outstanding at December 31, 2023)	1,492	1,457
Additional paid-in capital	130,725	121,752
Retained earnings	378,482	349,579
Accumulated other comprehensive income (loss)	62	(372)
Treasury stock (4,911 shares at December 31, 2024 and 4,807 shares at December 31, 2023)	(153,683)	(150,143)
Total stockholders’ equity	357,078	322,273
Total liabilities and stockholders’ equity	$ 1,909,109	$ 1,794,527

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Preferred stock, par value	$ 0.10	$ 0.10
Preferred stock, shares authorized	100,000,000	100,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 0.10	$ 0.10
Common stock, shares authorized	1,000,000,000	1,000,000,000
Common stock, shares issued	14,921,000	14,566,000
Common stock, shares outstanding	10,010,000	9,759,000
Treasury stock, shares	4,911,000	4,807,000

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Revenue
Interest and fee income	$ 528,894	$ 489,698	$ 450,854
Insurance income, net	40,695	44,529	43,502
Other income	18,914	17,172	12,831
Total revenue	588,503	551,399	507,187
Expenses
Provision for credit losses	212,200	220,034	185,115
Personnel	153,789	156,872	141,243
Occupancy	25,823	25,029	23,809
Marketing	19,006	15,774	15,378
Other	49,080	45,444	42,098
Total general and administrative expenses	247,698	243,119	222,528
Interest expense	74,530	67,463	34,223
Income before income taxes	54,075	20,783	65,321
Income taxes	12,848	4,825	14,097
Net income	$ 41,227	$ 15,958	$ 51,224
Net income per common share:
Basic	$ 4.28	$ 1.70	$ 5.51
Diluted	$ 4.14	$ 1.66	$ 5.30
Weighted-average common shares outstanding:
Basic	9,640,000	9,398,000	9,296,000
Diluted	9,957,000	9,593,000	9,656,000
Other comprehensive income (loss), net of tax:
Unrealized income (loss) on restricted AFS investments	$ 531	$ 271	$ (742)
Income taxes on unrealized items	(112)	(57)	156
Unrealized other comprehensive income (loss), net of tax	419	214	(586)
Net realized loss on restricted AFS investments	20
Income taxes on realized items	(5)
Reclassification adjustments included in net income, net of tax	15
Other comprehensive income (loss), net of tax	434	214	(586)
Total comprehensive income	$ 41,661	$ 16,172	$ 50,638

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Total	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income Loss [Member]	Treasury Stock [Member]
Beginning balance at Dec. 31, 2021	$ 282,736	$ 1,416	$ 104,745	$ 306,105		$ (129,530)
Beginning balance, shares at Dec. 31, 2021		14,157,000
Cash dividends	(11,784)			(11,784)
Issuance of restricted stock awards		$ 22	(22)
Issuance of restricted stock awards, shares		224,000
Exercise of stock options	6	$ 6
Exercise of stock options, shares		61,000
Repurchase of common stock	(20,613)					(20,613)
Shares withheld related to net share settlement	(3,118)	$ (11)	(3,107)
Shares withheld related to net share settlement, shares		(112,000)
Share-based compensation	10,768		10,768
Net income	51,224			51,224
Other comprehensive income (loss)	(586)				$ (586)
Ending balance at Dec. 31, 2022	308,633	$ 1,433	112,384	345,545	(586)	(150,143)
Ending balance, shares at Dec. 31, 2022		14,330,000
Cash dividends	(11,924)			(11,924)
Issuance of restricted stock awards		$ 32	(32)
Issuance of restricted stock awards, shares		322,000
Exercise of stock options	289	$ 2	287
Exercise of stock options, shares		18,000
Shares withheld related to net share settlement	(2,652)	$ (10)	(2,642)
Shares withheld related to net share settlement, shares		(104,000)
Share-based compensation	11,755		11,755
Net income	15,958			15,958
Other comprehensive income (loss)	214				214
Ending balance at Dec. 31, 2023	322,273	$ 1,457	121,752	349,579	(372)	(150,143)
Ending balance, shares at Dec. 31, 2023		14,566,000
Cash dividends	(12,324)			(12,324)
Issuance of restricted stock awards		$ 41	(41)
Issuance of restricted stock awards, shares		424,000
Exercise of stock options	$ 7	$ 7
Exercise of stock options, shares	65,000	66,000
Repurchase of common stock	$ (3,540)					(3,540)
Shares withheld related to net share settlement	(2,939)	$ (13)	(2,926)
Shares withheld related to net share settlement, shares		(135,000)
Share-based compensation	11,940		11,940
Net income	41,227			41,227
Other comprehensive income (loss)	434				434
Ending balance at Dec. 31, 2024	$ 357,078	$ 1,492	$ 130,725	$ 378,482	$ 62	$ (153,683)
Ending balance, shares at Dec. 31, 2024		14,921,000

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Cash flows from operating activities:
Net income	$ 41,227	$ 15,958	$ 51,224
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	212,200	220,034	185,115
Depreciation and amortization	14,070	14,634	12,689
Amortization of deferred originations fees and costs	(15,613)	(14,644)	(15,843)
Loss on disposal of property and equipment	407	867	143
Loss on sale of restricted AFS investments	20
Share-based compensation	11,171	11,755	10,768
Deferred income taxes, net	4,238	112	4,766
Changes in operating assets and liabilities:
Increase (decrease) in unearned insurance premiums	176	(3,116)	3,171
(Increase) decrease in lease assets	(4,139)	218	(5,800)
(Increase) decrease in other assets	2,553	(4,144)	(13,271)
Increase (decrease) in accounts payable and accrued expenses	(1,386)	7,628	(14,642)
Increase (decrease) in lease liabilities	4,003	(136)	6,012
Net cash provided by operating activities	268,927	249,166	224,332
Cash flows from investing activities:
Originations of finance receivables	(1,654,761)	(1,544,948)	(1,643,537)
Repayments of finance receivables	1,355,266	1,280,134	1,228,495
Purchases of intangible assets	(12,338)	(7,378)	(5,534)
Purchases of property and equipment	(5,054)	(4,692)	(5,874)
Purchases of restricted AFS investments	(25,408)	(5,900)	(23,974)
Proceeds from sale of restricted AFS investments	2,206		3,130
Proceeds from maturities of restricted AFS investments	24,715	4,061
Net cash used in investing activities	(315,374)	(278,723)	(447,294)
Cash flows from financing activities:
Advances on revolving credit facilities	1,764,971	1,645,346	1,832,412
Payments on revolving credit facilities	(1,694,628)	(1,566,736)	(1,910,717)
Advances on securitizations	437,305		433,720
Payments on securitizations	(429,408)	(34,890)	(109,228)
Payments for debt issuance costs	(6,699)	(2,769)	(5,656)
Taxes paid related to net share settlement of equity awards	(2,450)	(2,923)	(2,993)
Cash dividends	(12,142)	(11,886)	(11,353)
Repurchases of common stock	(3,540)		(20,613)
Proceeds from exercise of stock options		289
Net cash provided by financing activities	53,409	26,431	205,572
Net change in cash and restricted cash	6,962	(3,126)	(17,390)
Cash and restricted cash at beginning of period	128,673	131,799	149,189
Cash and restricted cash at end of period	135,635	128,673	131,799
Supplemental cash flow information:
Interest paid	69,170	60,083	40,475
Income taxes paid	2,734	3,050	26,963
Operating leases paid	11,541	10,193	9,071
Non-cash lease assets and liabilities acquired	$ 13,238	$ 8,084	$ 13,493

Consolidated Statements of Ca_2

Consolidated Statements of Cash Flows (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Cash Flows [Abstract]
Cash	$ 3,951	$ 4,509	$ 3,873
Restricted cash	131,684	124,164	127,926
Total	$ 135,635	$ 128,673	$ 131,799	$ 149,189

Cybersecurity Risk Management,

Cybersecurity Risk Management, Strategy and Governance	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	ITEM 1C. CYBERSECURITY. We recognize the importance of maintaining the security of our electronic networks, information systems, and data. We face significant and persistent cybersecurity threats, including risks heightened by the numerous geographies that we serve; our reliance on complex information networks; remote work among certain of our employees; reliance on digital operations to service certain of our customers; and our use of third-party software and services . Our vendors and customers also face cybersecurity threats. A cybersecurity incident impacting our company or any of our vendors or customers could materially adversely affect our operations and/or financial condition. To protect against and prevent cybersecurity incidents, we employ a comprehensive approach where our Board and management teams work together to oversee our cybersecurity program. We are committed to maintaining robust cybersecurity oversight, controls, and strategies that are designed to help us assess, identify, and manage cybersecurity risks. Our Board includes members with skills and experience in cybersecurity, technology, and innovation. The Board ultimately oversees cybersecurity risks and evaluates such risks as part of our ERM program. As part of our ERM processes, we utilize a formal corporate risk and governance structure that sets out the roles, responsibilities, and expectations of the various parties involved throughout our company in risk mitigation and management. The Risk Committee of the Board is responsible for approving and periodically reviewing and assessing the effectiveness of our ERM policies and procedures. The Risk Committee also assists the Board in its oversight of risks related to cybersecurity by regularly engaging with management and/or third-party consultants to assess the cyber threat landscape; evaluate our information security program; review the results of penetration testing; and analyze the design, effectiveness, and ongoing enhancement of our capabilities to monitor, prevent, and respond to cyber threats and events. The Risk Committee generally meets with management and/or third-party consultants regarding cybersecurity matters on a quarterly basis. Any material developments are reported by the Risk Committee to the Board. Further, any cybersecurity incidents deemed to have a high impact on our business are also generally reported to the Board, regardless of materiality. Our SDIS, who holds a graduate degree in cybersecurity and several industry leading cybersecurity certifications, is the management position responsible for our overall information security program including strategy, security engineering, cyber threat detection, and response. The information security team managed by our SDIS contains certified cybersecurity professionals with broad experience and expertise in cybersecurity threat assessment and detection, mitigation technologies, cybersecurity training, incident response, cyber forensics, insider threats, and regulatory compliance, among other areas. The information security team continually evaluates our cybersecurity posture, which aligns with the National Institute of Standards and Technology Cybersecurity Framework (NIST CSF) industry standard, and makes on-going investments in our networks, in addition to performing regular testing of our environment. In addition, we engage third-party consultants to conduct evaluations of the operational effectiveness of our security controls. These consultants perform penetration testing on our cybersecurity practices and procedures on an annual basis. Third-party risk is assessed as part of our information security program and includes risk-tiered criteria for due diligence. Contractually, data handling third parties are required to uphold all applicable rules, laws, and regulations in addition to, when applicable, notifying us of cybersecurity events that may negatively impact us or our data. We also require all employees to perform annual cybersecurity training. We expect our employees to follow our company-wide policies and procedures relating to cybersecurity matters, which include policies related to IT security, remote access, multifactor authentication, use of the internet and social media, and handling of confidential information, among other items. Additionally, while we have insurance coverage in place designed to address certain aspects of cyber risks, such insurance coverage may be insufficient to cover all insured losses or all types of claims that may arise. While we have not, as of the date of this Form 10-K, experienced a cybersecurity incident that has materially affected our business strategy, results of operations, or financial condition , we may not be successful in preventing or mitigating a cybersecurity incident that could have a material adverse effect on us in the future. See Item 1A. “Risk Factors” for information about our cybersecurity risks.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	To protect against and prevent cybersecurity incidents, we employ a comprehensive approach where our Board and management teams work together to oversee our cybersecurity program.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	Our Board includes members with skills and experience in cybersecurity, technology, and innovation. The Board ultimately oversees cybersecurity risks and evaluates such risks as part of our ERM program. As part of our ERM processes, we utilize a formal corporate risk and governance structure that sets out the roles, responsibilities, and expectations of the various parties involved throughout our company in risk mitigation and management. The Risk Committee of the Board is responsible for approving and periodically reviewing and assessing the effectiveness of our ERM policies and procedures. The Risk Committee also assists the Board in its oversight of risks related to cybersecurity by regularly engaging with management and/or third-party consultants to assess the cyber threat landscape; evaluate our information security program; review the results of penetration testing; and analyze the design, effectiveness, and ongoing enhancement of our capabilities to monitor, prevent, and respond to cyber threats and events. The Risk Committee generally meets with management and/or third-party consultants regarding cybersecurity matters on a quarterly basis. Any material developments are reported by the Risk Committee to the Board. Further, any cybersecurity incidents deemed to have a high impact on our business are also generally reported to the Board, regardless of materiality. Our SDIS, who holds a graduate degree in cybersecurity and several industry leading cybersecurity certifications, is the management position responsible for our overall information security program including strategy, security engineering, cyber threat detection, and response. The information security team managed by our SDIS contains certified cybersecurity professionals with broad experience and expertise in cybersecurity threat assessment and detection, mitigation technologies, cybersecurity training, incident response, cyber forensics, insider threats, and regulatory compliance, among other areas. The information security team continually evaluates our cybersecurity posture, which aligns with the National Institute of Standards and Technology Cybersecurity Framework (NIST CSF) industry standard, and makes on-going investments in our networks, in addition to performing regular testing of our environment.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Risk Committee also assists the Board in its oversight of risks related to cybersecurity by regularly engaging with management and/or third-party consultants to assess the cyber threat landscape; evaluate our information security program; review the results of penetration testing; and analyze the design, effectiveness, and ongoing enhancement of our capabilities to monitor, prevent, and respond to cyber threats and events.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Risk Committee generally meets with management and/or third-party consultants regarding cybersecurity matters on a quarterly basis. Any material developments are reported by the Risk Committee to the Board. Further, any cybersecurity incidents deemed to have a high impact on our business are also generally reported to the Board, regardless of materiality.
Cybersecurity Risk Role of Management [Text Block]	Our Board includes members with skills and experience in cybersecurity, technology, and innovation. The Board ultimately oversees cybersecurity risks and evaluates such risks as part of our ERM program. As part of our ERM processes, we utilize a formal corporate risk and governance structure that sets out the roles, responsibilities, and expectations of the various parties involved throughout our company in risk mitigation and management.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	Our SDIS, who holds a graduate degree in cybersecurity and several industry leading cybersecurity certifications, is the management position responsible for our overall information security program including strategy, security engineering, cyber threat detection, and response.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	The information security team managed by our SDIS contains certified cybersecurity professionals with broad experience and expertise in cybersecurity threat assessment and detection, mitigation technologies, cybersecurity training, incident response, cyber forensics, insider threats, and regulatory compliance, among other areas.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	The information security team continually evaluates our cybersecurity posture, which aligns with the National Institute of Standards and Technology Cybersecurity Framework (NIST CSF) industry standard, and makes on-going investments in our networks, in addition to performing regular testing of our environment.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Net Income (Loss)	$ 41,227	$ 15,958	$ 51,224

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 2024
Trading Arrangements, by Individual
Material Terms of Trading Arrangement	During the three months ended December 31, 2024 , none of the Company’s officers or directors adopted or terminated a “Rule 10b5-1 trading arrangement” or a “non-Rule 10b5-1 trading arrangement,” as such terms are defined in Item 408(a) of Regulation S-K.
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Nature of Business

Nature of Business	12 Months Ended
	Dec. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Business	Note 1. Nature of Business The Company was incorporated and began operations in 1987. The Company is engaged in the consumer finance business, offering large loans, small loans, and related payment and collateral protection insurance products. The Company formerly offered retail loans but ceased accepting applications for retail loan products effective November 2022. The Company continues to own and service its existing portfolio of retail loans. As of December 31, 2024, the Company operated under the name “Regional Finance” online and in branch locations in 19 states across the United States. The Company’s large loan receivables are direct loans to customers, some of which are convenience check receivables and the vast majority of which are secured by non-essential household goods, automobiles, and/or other vehicles. Convenience checks are direct loans originated by mailing checks to customers based on a pre-screening process that includes a review of the prospective customer’s credit profile provided by national credit reporting bureaus or data aggregators. A recipient of a convenience check is able to enter into a loan by endorsing and depositing or cashing the check. The Company’s small loan portfolio is comprised of branch small loan receivables and convenience check receivables. Branch small loan receivables are direct loans to customers and are secured by non-essential household goods and, in some instances, an automobile. Retail loan receivables consist principally of retail installment sales contracts collateralized by the purchased furniture, appliances, and other retail items and are initiated by and purchased from retailers, subject to the Company’s credit approval. The Company’s loan volume and contractual delinquency follow seasonal trends. Demand for the Company’s loans is typically highest during the second, third, and fourth quarters, which the Company believes is largely due to customers borrowing money for vacation, back-to-school, and holiday spending. Loan demand has generally been the lowest during the first quarter, which the Company believes is largely due to the timing of income tax refunds. Delinquencies generally reach their lowest point in the first half of the year and rise in the second half of the year. Changes in quarterly growth or liquidation could result in larger allowance for credit loss releases in periods of portfolio liquidation and larger provisions for credit losses in periods of portfolio growth. Consequently, the Company experiences seasonal fluctuations in its operating results. However, changes in macroeconomic factors, including inflation, higher interest rates, and geopolitical conflict, have impacted the Company’s typical seasonal trends for loan volume and delinquency.

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Significant Accounting Policies	Note 2. Significant Accounting Policies The following is a description of significant accounting policies used in preparing the financial statements. The accounting and reporting policies of the Company are in accordance with GAAP. Business segments: The Company has one reportable segment, which is the consumer finance segment. Principles of consolidation: The consolidated financial statements include the accounts of the Company and its wholly owned subsidiaries. All intercompany balances and transactions have been eliminated in consolidation. The Company operates through a separate wholly owned subsidiary in each state. The Company also consolidates VIEs when it is considered to be the primary beneficiary of the VIE because it has (i) power over the significant activities of the VIE and (ii) the obligation to absorb losses or the right to receive returns that could be significant to the VIE. Variable interest entities: The Company transfers pools of loans to SPEs to secure debt for general funding purposes. These entities have the limited purpose of acquiring finance receivables, in addition to holding and making payments on the related debts. Assets transferred to each SPE are legally isolated from the Company and its affiliates, as well as the claims of the Company’s and its affiliates’ creditors. Further, the assets of each SPE are owned by such SPE and are not available to satisfy the debts or other obligations of the Company or any of its affiliates. The Company continues to service the finance receivables transferred to the SPEs. The lenders and investors in the debt issued by the SPEs generally only have recourse to the assets of the SPEs and do not have recourse to the general credit of the Company. The SPEs’ debt arrangements are structured to provide credit enhancements to the lenders and investors, which may include overcollateralization, subordination of interests, excess spread, and reserve funds. These enhancements, along with the isolated finance receivables pools, increase the creditworthiness of the SPEs above that of the Company as a whole. This increases the marketability of the Company’s collateral for borrowing purposes, leading to more favorable borrowing terms, improved interest rate risk management, and additional flexibility to grow the business. The SPEs are considered VIEs under GAAP and are consolidated into the financial statements of their primary beneficiary. The Company is considered to be the primary beneficiary of the SPEs because it has (i) power over the significant activities through its role as servicer of the finance receivables under each debt arrangement, (ii) the obligation to absorb losses that could be significant through note investment, if applicable, and (iii) the obligation to absorb losses or the right to receive returns that could be significant through the Company’s interest in the monthly residual cash flows of the SPEs. Consolidation of VIEs results in these transactions being accounted for as secured borrowings; therefore, the pooled receivables and the related debts remain on the consolidated balance sheet of the Company. Each debt is secured solely by the assets of the VIEs and not by any other assets of the Company. The assets of the VIEs are the only source of funds for repayment on each debt, and restricted cash held by the VIEs can only be used to support payments on the debt. The Company recognizes revenue and provision for credit losses on the finance receivables of the VIEs and interest expense on the related secured debt. Use of estimates: The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, revenues and expenses, and disclosure of contingent assets and liabilities for the periods indicated in the financial statements. Actual results could differ from those estimates. Estimates that are susceptible to change relate to the determination of the allowance for credit losses, the valuation of deferred tax assets and liabilities, and the fair value of financial instruments. Recent accounting pronouncements: In November 2023, the FASB issued ASU 2023-07, improving the disclosure requirements for reportable segments, primarily through enhanced disclosures about significant segment expenses. These enhanced disclosures require reporting of incremental segment information on an annual and interim basis for all public entities, including public entities with only one reportable segment, to enable investors to develop more decision-useful financial analyses. The amendments in this update are effective for annual periods beginning after December 15, 2023 and interim periods within annual periods beginning after December 15, 2024. The Company adopted and applied the update on a retrospective basis for all prior periods presented in the financial statements, and upon transition, the expense categories and amounts disclosed in the prior periods are based on the significant segment expense categories identified and disclosed in the period of adoption if applicable. Implementation of the update did not have a material effect on the Company’s consolidated financial statements. See Note 20, “Segment Reporting,” for the Company’s enhanced disclosures to reflect the adoption of this update. In December 2023, the FASB issued ASU 2023-09, enhancing the transparency and decision usefulness of income tax disclosures. The amendment, among other things, improves transparency of income tax disclosures by requiring more consistent categories and greater disaggregation of information in rate reconciliations, and disaggregation of income taxes paid by jurisdiction. The amendments in this update are effective for annual periods beginning after December 15, 2024, and early adoption is permitted for annual financial statements that have not yet been issued or made available for issuance. The income tax guidance should be applied on a prospective basis; however, retrospective application is permitted. The Company is currently evaluating the impact of this update on its consolidated financial statements. In November 2024, the FASB issued ASU 2024-03, enhancing the disclosures about a company’s expenses. The amendment, among other things, improves these disclosures by requiring disaggregated expense information about a company’s expense types. The amendments in this update are effective for annual periods beginning after December 15, 2026, and early adoption is permitted. The enhanced expense guidance can be applied on either a prospective (for financial statements issued during reporting periods after the effective date of this ASU) or retrospective (to any or all prior periods presented) basis. The Company is currently evaluating the impact of this update on its consolidated financial statements. Treasury stock: The Company records the repurchase of shares of its common stock at cost on the settlement date of the transaction. These shares are considered treasury stock, which is a reduction to stockholders’ equity. Treasury stock is included in authorized and issued shares but excluded from outstanding shares. Net finance receivables: Generally, the Company classifies finance receivables as held for investment based on management’s intent at the time of origination. The Company determines classification on a receivable-by-receivable basis. The Company classifies finance receivables as held for investment due to its ability and intent to hold them until their contractual maturities. Net finance receivables consist of the Company’s installment loans. The Company carries net finance receivables at amortized cost, which includes remaining principal balance, accrued interest, and net unamortized deferred origination costs and unamortized fees. Loan renewals are a significant piece of new volume and are considered a terminal event of the previous loan. The Company may renew delinquent secured or unsecured loan accounts if the customer meets the Company’s underwriting criteria and it does not appear the cause of past delinquency will affect the customer’s ability to repay the renewed loan. Delinquency: The Company determines past due status using the contractual terms of the finance receivable. Delinquency is one of the primary credit quality indicators used to evaluate the allowance for credit losses for each class of finance receivables. Finance receivable origination fees and costs: Non-refundable fees received and direct costs (personnel and digital loan origination costs) incurred for the origination of finance receivables are deferred and recognized to interest income over their contractual lives using the constant yield method. Unamortized amounts are recognized in interest income at the time that finance receivables are paid in full, renewed, or charged off. Nonaccrual status: Accrual of interest income on finance receivables is suspended when an account becomes 90 days delinquent. If the account is charged off, the accrued interest income is reversed as a reduction of interest and fee income. Interest received on such loans is accounted for on the cash-basis method, until qualifying for return to accrual. Under the cash-basis method, interest income is recorded when the payment is received. Loans resume accruing interest when the past due status is brought below 90 days. The Company made a policy election to not record an allowance for credit losses related to accrued interest because it has nonaccrual and charge-off policies that result in the timely suspension and reversal of accrued interest. Allowance for credit losses: The allowance for credit losses is based on historical credit experience, current conditions, and reasonable and supportable economic forecasts. The historical loss experience is adjusted for quantitative and qualitative factors that are not fully reflected in the historical data. In determining its estimate of expected credit losses, the Company evaluates information related to credit metrics, changes in its lending strategies and underwriting practices, and the current and forecasted direction of the economic and business environment. These metrics include, but are not limited to, loan portfolio mix and growth, unemployment, credit loss trends, delinquency trends, changes in underwriting, and operational risks. The Company selected a PD / LGD model to estimate its base allowance for credit losses, in which the estimated loss is equal to the product of PD and LGD. Historical net finance receivables are tracked over the term of the pools to identify the incidences of loss (PDs) and the average severity of losses (LGDs). To enhance the precision of the allowance for credit loss estimate, the Company evaluates its finance receivable portfolio on a pool basis and segments each pool of finance receivables with similar credit risk characteristics. As part of its evaluation, the Company considers loan portfolio characteristics such as product type, loan size, loan term, internal or external credit scores, delinquency status, geographical location, and vintage. Based on analysis of historical loss experience, the Company selected the following segmentation: product type, FICO score, and delinquency status. As finance receivables are originated, provisions for credit losses are recorded in amounts sufficient to maintain an allowance for credit losses at an adequate level to provide for estimated losses over the contractual life of the finance receivables (considering the effect of prepayments). Subsequent changes to the contractual terms that are a result of re-underwriting are not included in the finance receivable’s contractual life (considering the effect of prepayments). The Company uses its segmentation loss experience to forecast expected credit losses. Historical information about losses generally provides a basis for the estimate of expected credit losses. The Company also considers the need to adjust historical information to reflect the extent to which current conditions differ from the conditions that existed for the period over which historical information was evaluated. These adjustments to historical loss information may be qualitative or quantitative in nature. Reasonable and supportable macroeconomic forecasts are required for the Company’s allowance for credit loss model. The Company engaged a major rating service to assist with compiling a reasonable and supportable forecast. The Company reviews macroeconomic forecasts to use in its allowance for credit losses. The Company adjusts the historical loss experience by relevant qualitative factors for these expectations. The Company does not require reversion adjustments, as the contractual lives of its portfolio are shorter than its available forecast periods. The Company charges credit losses against the allowance for all products when an account reaches 180 days contractually delinquent, subject to certain exceptions. The Company’s customer accounts without a lien on a vehicle in a confirmed bankruptcy are charged off in the month following the bankruptcy notification or at 60 days contractually delinquent, subject to certain exceptions. Deceased borrower accounts are charged off in the month following the proper notification of passing, with the exception of borrowers with credit life insurance. Subsequent recoveries of amounts charged off, if any, are credited to the allowance. Troubled Debt Restructurings: Prior to January 1, 2023, the Company classified a finance receivable as a TDR when the Company modified the finance receivable’s contractual terms for economic or other reasons related to the borrower’s financial difficulties and granted a concession that it would not have otherwise considered. Modifications primarily included an interest rate reduction and/or term extension to reduce the borrower’s monthly payment. Once a loan was classified as a TDR, it remained a TDR for the purpose of calculating the allowance for credit losses for the remainder of its contractual term. The Company established its allowance for credit losses related to its TDRs by calculating the present value of all expected cash flows (discounted at the finance receivable’s effective interest rate prior to modification) less the amortized costs of the aggregated pool. The Company used the modified interest rates and certain assumptions, including expected credit losses and recoveries, to estimate the expected cash flows from its TDRs. Following the adoption of ASU 2022-02 on January 1, 2023, as discussed above, the Company no longer separately measures the allowance for credit losses on TDRs, and the impact to the allowance for credit losses of loan modifications made to borrowers experiencing financial difficulties is incorporated into the overall portfolio assessment as further described in the allowance for credit losses significant accounting policy. Property and equipment: Leasehold improvements are depreciated over the shorter of their useful lives or the remaining term of the lease. Furniture and equipment are depreciated on the straight-line method over their estimated useful lives, generally five to ten years . Maintenance and repairs are charged to expense as incurred. Leases: The Company leases its current headquarters building. Branch offices are leased under non-cancellable leases of three to seven years with renewal options. The Company’s lease liability is based on the present value of the remaining minimum rental payments using a discount rate that is based on the Company’s incremental borrowing rate on its senior revolving credit facility. The Company’s lease asset includes right-of-use assets equaling the lease liability, net of prepaid rent and deferred rents that existed as of the adoption of the current lease accounting standard. The Company assesses its leased assets for impairment when events or changes in circumstances indicate that the carrying value may not be recoverable. If a lease is impaired, the impairment loss is recognized in lease costs and the right-of-use asset is reduced to the impaired value. Lease agreements with terms of twelve months or less are not capitalized as part of lease assets or liabilities and are expensed as incurred. The Company accounts for each separate lease component of a contract and its associated non-lease components as a single lease component for its branch leases. The Company has elected not to apply this policy in relation to the corporate headquarters lease. The Company has also determined that it is reasonably certain that the first option to extend lease contracts will be exercised for new branch locations; therefore, the first option to extend is included in the lease asset and liability calculation. Restricted cash: Restricted cash includes cash and cash equivalents for which the Company’s ability to withdraw funds is contractually limited. The Company’s restricted cash consists of cash reserves that are maintained as collateral for potential credit life insurance claims and cash restricted for debt servicing of the Company’s revolving warehouse credit facilities and securitizations. Restricted AFS investments: The Company classifies its investments in debt securities that were purchased with the Company’s restricted cash as restricted AFS investments and carries the investments at fair value. Unrealized gains and losses, net of taxes, are excluded from earnings and reported in other comprehensive income or loss until realized. The unrealized gains and losses, net of taxes, are recorded on the consolidated balance sheet in accumulated other comprehensive income or loss in stockholders’ equity. Realized gains and losses from the sale of AFS investments are specifically identified and reclassified from accumulated other comprehensive income or loss and included within earnings on the consolidated statement of income. Derivative instruments: The Company held derivative instruments in the form of interest rate caps for the purpose of mitigating a portion of its exposure to interest rate risk. Derivative instruments are recorded at fair value and included in other assets, with their resulting gains or losses recognized in interest expense. Changes in fair value are reported as an adjustment to net income in computing cash flows from operating activities. Offsetting assets and liabilities: GAAP permits entities to present derivative receivables and derivative payables with the same counterparty and the related cash collateral receivables and payables on a net basis on the Consolidated Balance Sheet when a legally enforceable master netting agreement exists. GAAP also permits securities financing activities to be presented on a net basis when specified conditions are met, including the existence of a legally enforceable master netting agreement. The Company has elected to net such balances where it has determined that the specified conditions are met. As of September 30, 2022, the Company no longer held offsetting assets or liabilities. Income recognition: Interest income is recognized using the interest method (constant yield method). Therefore, the Company recognizes revenue from interest at an equal rate over the term of the loan. Unearned finance charges on pre-compute contracts are rebated to customers utilizing statutory methods, which in many cases is the sum-of-the-years’ digits method. The difference between income recognized under the constant yield method and the statutory method is recognized as an adjustment to interest income at the time of rebate. The Company recognizes income on credit life insurance, credit personal property insurance, and vehicle single interest insurance using the sum-of-the-years’ digits or straight-line methods over the terms of the policies. The Company recognizes income on credit accident and health insurance using the average of the sum-of-the-years’ digits and the straight-line methods over the terms of the policies. The Company recognizes income on credit involuntary unemployment insurance using the straight-line method over the terms of the policies. Rebates are computed using statutory methods, which in many cases match the GAAP method, and where it does not match, the difference between the GAAP method and the statutory method is recognized in income at the time of rebate. Fee income for non-file insurance is recognized using the sum-of-the-years’ digits method over the loan term. Charges for late fees are recognized as income when collected. Share-based compensation: The Company measures compensation cost for share-based awards at estimated fair value and recognizes compensation expense over the service period for awards expected to vest. The Company uses the closing stock price on the date of grant as the fair value of RSAs, performance-contingent RSUs, and service-based RSUs. The fair value of NQSOs is determined using the Black-Scholes valuation model, and the fair value of PRSUs is determined using the Monte Carlo valuation model. The Black-Scholes and Monte Carlo models require the input of assumptions, including expected volatility, expected dividends, expected term, risk-free interest rate, and a discount associated with post-vest holding restrictions, changes to which can affect the fair value estimate. Expected volatility is based on the Company’s historical stock price volatility. Expected dividends are calculated using the expected dividend yield (annualized dividends divided by the grant date stock price). The expected term is calculated by using the simplified method (average of the vesting and original contractual terms) due to insufficient historical data to estimate the expected term. The risk-free rate is based on the zero-coupon U.S. Treasury bond rate over the expected term of the awards. The estimated discount associated with post-vest holding restrictions is calculated using a blend of the Finnerty and Chaffe models. In addition, the estimation of share-based awards that will ultimately vest requires judgment, and to the extent actual results or updated estimates differ from current estimates, such amounts will be recorded as a cumulative adjustment in the period estimates are revised. Marketing costs: Marketing costs are expensed as incurred. Income taxes: The Company records a tax provision for the anticipated tax consequences of its reported operating results. The provision for income taxes is computed using the asset and liability method, under which deferred tax assets and liabilities are recognized for the future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effects of future tax rate changes are recognized in the period when the enactment of new rates occurs. The Company recognizes the financial statement effects of a tax position when it is more likely than not, based on technical merits, the position will be sustained upon examination. The tax benefits of the position recognized in the consolidated financial statements are then measured based on the largest amount of benefit that is greater than 50% likely to be realized upon settlement with a taxing authority. The Company recognizes the tax benefits or deficiencies from the exercise or vesting of share-based awards in the income tax line of the consolidated statements of comprehensive income, in the period of exercise or vesting. Earnings per share: Earnings per share have been computed based on dividing net income by the weighted-average number of common shares outstanding during each reporting period presented. Common shares issuable upon the exercise of share-based compensation, which are computed using the treasury stock method, are included in the computation of diluted earnings per share. The Company uses the treasury stock method to calculate the effect of outstanding awards, by computing total employee proceeds as the sum of the amount employees must pay upon exercise of the awards and the amount of unearned share-based compensation costs attributable to future services.

Concentrations of Credit Risk

Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2024
Risks and Uncertainties [Abstract]
Concentrations of Credit Risk	Note 3. Concentrations of Credit Risk Customers living in Texas, North Carolina, and South Carolina accounted for 30 % , 16 % , and 10 % , respectively, of the Company’s net finance receivables as of December 31, 2024 . Given the primary concentration of the Company’s portfolio of finance receivables in these states, such customers’ ability to honor their installment contracts may be affected by economic conditions in these states. The Company maintains amounts in bank accounts which, at times, may exceed federally insured limits. The Company has not experienced losses in such accounts, which are maintained with large domestic banks. Management believes the Company’s exposure to credit risk is minimal for these accounts.

Finance Receivables, Credit Qua

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Finance Receivables, Credit Quality Information, and Allowance for Credit Losses	Note 4. Finance Receivables, Credit Quality Information, and Allowance for Credit Losses Net finance receivables for the periods indicated consisted of the following: December 31, Dollars in thousands 2024 2023 Large loans $ 1,336,780 $ 1,274,137 Small loans 554,686 493,473 Retail loans 1,069 3,800 Total $ 1,892,535 $ 1,771,410 Net finance receivables included net deferred origination fees of $ 15.7 million and $ 15.1 million as of December 31, 2024 and 2023, respectively. The credit quality of the Company’s finance receivable portfolio is dependent on the Company’s ability to enforce sound underwriting standards, maintain diligent servicing of the portfolio, and respond to changing economic conditions as it grows its portfolio. The allowance for credit losses uses FICO scores and delinquency by product type as key data points in estimating the allowance. The Company uses six FICO band categories to assess FICO scores. The first three FICO band categories include subprime FICO scores below 620. The fourth and fifth FICO band categories include near-prime FICO scores ranging from 620 to 659. The sixth FICO band category includes prime FICO scores of 660 or higher. Net finance receivables by product, FICO band at origination, and origination year as of December 31, 2024 are as follows: Net Finance Receivables by Origination Year Dollars in thousands 2024 2023 2022 2021 2020 Prior Total Net Finance Receivables Large Loans: FICO Band 1 $ 86,776 $ 37,750 $ 12,457 $ 3,950 $ 793 $ 373 $ 142,099 2 55,211 19,464 6,171 1,602 173 92 82,713 3 90,642 35,777 16,579 4,224 339 59 147,620 4 125,867 52,564 25,521 6,140 570 100 210,762 5 137,243 58,604 28,564 8,148 784 36 233,379 6 300,714 140,149 62,303 15,514 1,464 63 520,207 Total $ 796,453 $ 344,308 $ 151,595 $ 39,578 $ 4,123 $ 723 $ 1,336,780 Small Loans: FICO Band 1 $ 67,809 $ 11,905 $ 1,737 $ 257 $ 40 $ 26 $ 81,774 2 32,851 5,799 689 59 4 2 39,404 3 52,846 9,456 873 49 4 1 63,229 4 67,200 12,903 924 39 5 5 81,076 5 75,458 16,882 1,313 22 3 3 93,681 6 160,551 32,671 2,263 29 5 3 195,522 Total $ 456,715 $ 89,616 $ 7,799 $ 455 $ 61 $ 40 $ 554,686 Retail Loans: FICO Band 1 $ — $ — $ — $ — $ — $ 2 $ 2 2 — — 66 2 — — 68 3 — — 188 27 — 1 216 4 — — 237 55 4 2 298 5 — — 187 47 — — 234 6 — — 199 51 — 1 251 Total $ — $ — $ 877 $ 182 $ 4 $ 6 $ 1,069 Total Loans: FICO Band 1 $ 154,585 $ 49,655 $ 14,194 $ 4,207 $ 833 $ 401 $ 223,875 2 88,062 25,263 6,926 1,663 177 94 122,185 3 143,488 45,233 17,640 4,300 343 61 211,065 4 193,067 65,467 26,682 6,234 579 107 292,136 5 212,701 75,486 30,064 8,217 787 39 327,294 6 461,265 172,820 64,765 15,594 1,469 67 715,980 Total $ 1,253,168 $ 433,924 $ 160,271 $ 40,215 $ 4,188 $ 769 $ 1,892,535 Net finance receivables by product, FICO band, and origination year as of December 31, 2023 are as follows: Net Finance Receivables by Origination Year Dollars in thousands 2023 2022 2021 2020 2019 Prior Total Net Finance Receivables Large Loans: FICO Band 1 $ 83,107 $ 28,068 $ 9,542 $ 2,510 $ 980 $ 347 $ 124,554 2 46,855 16,964 5,342 1,077 309 83 70,630 3 86,191 45,778 14,999 2,201 316 66 149,551 4 120,054 65,753 20,712 3,481 592 55 210,647 5 128,901 69,706 23,779 4,043 496 22 226,947 6 291,795 144,663 46,630 7,936 732 52 491,808 Total $ 756,903 $ 370,932 $ 121,004 $ 21,248 $ 3,425 $ 625 $ 1,274,137 Small Loans: FICO Band 1 $ 64,664 $ 10,459 $ 1,625 $ 172 $ 68 $ 18 $ 77,006 2 31,289 5,886 724 36 11 9 37,955 3 51,222 8,099 717 31 6 1 60,076 4 65,743 10,074 679 19 10 3 76,528 5 74,207 13,838 632 14 4 1 88,696 6 126,400 25,679 1,111 15 5 2 153,212 Total $ 413,525 $ 74,035 $ 5,488 $ 287 $ 104 $ 34 $ 493,473 Retail Loans: FICO Band 1 $ 1 $ — $ 2 $ 1 $ 1 $ 5 $ 10 2 — 213 30 — — — 243 3 — 634 211 3 1 1 850 4 — 650 352 36 — 4 1,042 5 — 508 278 24 — 4 814 6 — 524 286 28 2 1 841 Total $ 1 $ 2,529 $ 1,159 $ 92 $ 4 $ 15 $ 3,800 Total Loans: FICO Band 1 $ 147,772 $ 38,527 $ 11,169 $ 2,683 $ 1,049 $ 370 $ 201,570 2 78,144 23,063 6,096 1,113 320 92 108,828 3 137,413 54,511 15,927 2,235 323 68 210,477 4 185,797 76,477 21,743 3,536 602 62 288,217 5 203,108 84,052 24,689 4,081 500 27 316,457 6 418,195 170,866 48,027 7,979 739 55 645,861 Total $ 1,170,429 $ 447,496 $ 127,651 $ 21,627 $ 3,533 $ 674 $ 1,771,410 Credit losses by product and origination year for the periods indicated are as follows: Year Ended December 31, 2024 Dollars in thousands 2024 2023 2022 2021 2020 Prior Total Credit Losses Large loans $ 9,699 $ 67,711 $ 39,070 $ 11,197 $ 1,541 $ 474 $ 129,692 Small loans 13,156 55,584 11,316 822 42 33 80,953 Retail loans — — 441 232 14 10 697 Total $ 22,855 $ 123,295 $ 50,827 $ 12,251 $ 1,597 $ 517 $ 211,342 Year Ended December 31, 2023 Dollars in thousands 2023 2022 2021 2020 2019 Prior Total Credit Losses Large loans $ 14,529 $ 78,938 $ 33,616 $ 5,116 $ 1,465 $ 254 $ 133,918 Small loans 14,484 60,298 10,244 599 60 7 85,692 Retail loans — 776 431 88 24 4 1,323 Total $ 29,013 $ 140,012 $ 44,291 $ 5,803 $ 1,549 $ 265 $ 220,933 The contractual delinquency of the net finance receivable portfolio by product and aging for the periods indicated are as follows: December 31, 2024 Large Small Retail Total Dollars in thousands $ % $ % $ % $ % Current $ 1,139,070 85.2 % $ 450,603 81.2 % $ 708 66.2 % $ 1,590,381 84.0 % 1 to 29 days past due 109,656 8.2 % 46,488 8.4 % 168 15.7 % 156,312 8.3 % Delinquent accounts: 30 to 59 days 22,909 1.7 % 13,998 2.5 % 41 3.9 % 36,948 1.9 % 60 to 89 days 21,493 1.6 % 13,699 2.5 % 50 4.7 % 35,242 1.9 % 90 to 119 days 16,609 1.3 % 11,443 2.1 % 33 3.1 % 28,085 1.5 % 120 to 149 days 14,357 1.1 % 9,602 1.7 % 28 2.6 % 23,987 1.3 % 150 to 179 days 12,686 0.9 % 8,853 1.6 % 41 3.8 % 21,580 1.1 % Total delinquency $ 88,054 6.6 % $ 57,595 10.4 % $ 193 18.1 % $ 145,842 7.7 % Total net finance receivables $ 1,336,780 100.0 % $ 554,686 100.0 % $ 1,069 100.0 % $ 1,892,535 100.0 % Net finance receivables in nonaccrual status $ 54,228 4.1 % $ 34,465 6.2 % $ 137 12.8 % $ 88,830 4.7 % December 31, 2023 Large Small Retail Total Dollars in thousands $ % $ % $ % $ % Current $ 1,084,518 85.1 % $ 406,203 82.4 % $ 2,620 69.0 % $ 1,493,341 84.3 % 1 to 29 days past due 109,483 8.6 % 45,119 9.1 % 594 15.6 % 155,196 8.8 % Delinquent accounts: 30 to 59 days 22,587 1.7 % 12,053 2.4 % 116 3.1 % 34,756 1.9 % 60 to 89 days 19,844 1.6 % 11,253 2.3 % 115 3.0 % 31,212 1.8 % 90 to 119 days 16,951 1.3 % 10,030 2.0 % 126 3.2 % 27,107 1.5 % 120 to 149 days 10,938 0.9 % 4,247 0.9 % 132 3.5 % 15,317 0.9 % 150 to 179 days 9,816 0.8 % 4,568 0.9 % 97 2.6 % 14,481 0.8 % Total delinquency $ 80,136 6.3 % $ 42,151 8.5 % $ 586 15.4 % $ 122,873 6.9 % Total net finance receivables $ 1,274,137 100.0 % $ 493,473 100.0 % $ 3,800 100.0 % $ 1,771,410 100.0 % Net finance receivables in nonaccrual status $ 44,627 3.5 % $ 21,850 4.4 % $ 394 10.4 % $ 66,871 3.8 % The accrual of interest income on finance receivables is suspended when an account becomes 90 days delinquent. If a loan is charged off, the accrued interest is reversed as a reduction of interest and fee income. The Company reversed $ 23.6 million , $ 24.2 million , and $ 20.2 million of accrued interest as a reduction of interest and fee income for the years ended December 31, 2024, 2023, and 2022, respectively. The following are reconciliations of the allowance for credit losses by product for the periods indicated: As of and for the Year Ended December 31, 2024 Dollars in thousands Large Small Retail Total Beginning balance $ 127,992 $ 58,736 $ 672 $ 187,400 Provision for credit losses 128,190 83,861 149 212,200 Credit losses ( 129,692 ) ( 80,953 ) ( 697 ) ( 211,342 ) Recoveries 7,016 4,182 44 11,242 Ending balance $ 133,506 $ 65,826 $ 168 $ 199,500 Net finance receivables $ 1,336,780 $ 554,686 $ 1,069 $ 1,892,535 Allowance as percentage of net finance receivables 10.0 % 11.9 % 15.7 % 10.5 % As of and for the Year Ended December 31, 2023 Dollars in thousands Large Small Retail Total Beginning balance $ 119,592 $ 57,915 $ 1,293 $ 178,800 Provision for credit losses 136,638 82,745 651 220,034 Credit losses ( 133,918 ) ( 85,692 ) ( 1,323 ) ( 220,933 ) Recoveries 5,680 3,768 51 9,499 Ending balance $ 127,992 $ 58,736 $ 672 $ 187,400 Net finance receivables $ 1,274,137 $ 493,473 $ 3,800 $ 1,771,410 Allowance as percentage of net finance receivables 10.0 % 11.9 % 17.7 % 10.6 % As of and for the Year Ended December 31, 2022 Dollars in thousands Large Small Retail Total Beginning balance $ 96,494 $ 61,294 $ 1,512 $ 159,300 Provision for credit losses 106,925 76,513 1,677 185,115 Credit losses ( 87,236 ) ( 82,842 ) ( 1,985 ) ( 172,063 ) Recoveries 3,409 2,950 89 6,448 Ending balance $ 119,592 $ 57,915 $ 1,293 $ 178,800 Net finance receivables $ 1,208,185 $ 481,605 $ 9,603 $ 1,699,393 Allowance as percentage of net finance receivables 9.9 % 12.0 % 13.5 % 10.5 % The Company uses certain loan modification programs for borrowers experiencing financial difficulties as a loss mitigation strategy to improve collectability of the loans and assist customers through financial setbacks. The programs consist of offering payment deferrals, refinancing, and, in limited instances, settlements. Customers may also pursue financial assistance through external sources, such as filing for bankruptcy protection. Modification programs available to our customers are described in more detail below: • Customers with temporary hardships may be offered payment deferrals related to past due payments. Such deferrals extend the customer’s maturity date and are generally considered insignificant delays, unless the deferral exceeds three deferrals in a rolling twelve-month period. • Customers with delinquent loans who have made recent payments and have verified current employment are allowed to refinance their loan with a reduced interest rate and/or term extension, making the monthly payments more affordable. • The Company may also agree to settle a past-due loan by accepting less than the full principal balance owed, in certain limited cases, once it is determined that collection of the entire outstanding balance is unlikely. • Customers who receive bankruptcy protection may receive principal forgiveness, interest rate reductions, and/or term extensions. The information relating to modifications made to borrowers experiencing financial difficulty and their related percentage of applicable net finance receivables for the periods indicated are as follows: As of and for the Year Ended December 31, 2024 Large Small Total Dollars in thousands $ % $ % $ % Interest rate reduction & term extension $ 9,155 0.8 % $ 1,446 0.2 % $ 10,601 0.6 % Term extension 1,792 0.1 % 386 0.1 % 2,178 0.1 % Interest rate reduction 5,729 0.4 % 2,545 0.5 % 8,274 0.4 % Principal forgiveness, interest rate reduction, & term extension 586 — 28 — 614 — Total $ 17,262 1.3 % $ 4,405 0.8 % $ 21,667 1.1 % As of and for the Year Ended December 31, 2023 Large Small Total Dollars in thousands $ % $ % $ % Interest rate reduction & term extension $ 12,687 1.0 % 2,112 0.4 % $ 14,799 0.8 % Principal forgiveness, interest rate reduction, & term extension 288 — 37 — 325 — Term extension 930 0.1 % 346 0.1 % 1,276 0.1 % Total $ 13,905 1.1 % $ 2,495 0.5 % $ 16,400 0.9 % The financial effects of the modifications made to borrowers experiencing financial difficulty for the periods indicated are as follows: Year Ended December 31, 2024 Loan Modification Product Financial Effect Principal forgiveness Large loans Reduced the amortized cost basis of the loans by $ 1.3 million. Small loans Reduced the amortized cost basis of the loans by $ 0.5 million. Interest rate reduction Large loans Reduced the weighted-average contractual interest rate by 12.6 %. Small loans Reduced the weighted-average contractual interest rate by 24.4 %. Term extension Large loans Added a weighted-average 1.5 years to the life of loans. Small loans Added a weighted-average 1.4 years to the life of loans. Year Ended December 31, 2023 Loan Modification Product Financial Effect Principal forgiveness Large loans Reduced the amortized cost basis of the loans by $ 1.0 million. Small loans Reduced the amortized cost basis of the loans by $ 0.5 million. Interest rate reduction Large loans Reduced the weighted-average contractual interest rate by 10.7 %. Small loans Reduced the weighted-average contractual interest rate by 13.6 %. Term extension Large loans Added a weighted-average 1.5 years to the life of loans. Small loans Added a weighted-average 1.4 years to the life of loans. The following tables provide the amortized cost basis for modifications made to borrowers experiencing financial difficulty within the previous twelve months that subsequently defaulted. The Company defines payment default as 90 days past due for this disclosure. The respective amounts for each modification for the periods indicated are as follows: As of and for the Year Ended December 31, 2024 Dollars in thousands Large Small Total Interest rate reduction & term extension $ 1,608 $ 319 $ 1,927 Term extension 231 52 283 Interest rate reduction 858 280 1,138 Principal forgiveness, interest rate reduction, & term extension 30 6 36 Total $ 2,727 $ 657 $ 3,384 As of and for the Year Ended December 31, 2023 Dollars in thousands Large Small Total Interest rate reduction & term extension $ 1,334 $ 248 $ 1,582 Term extension 27 3 30 Principal forgiveness, interest rate reduction, & term extension 16 3 19 Total $ 1,377 $ 254 $ 1,631 The contractual delinquencies of loans that were modified to borrowers experiencing financial difficulty within the previous twelve months for the periods indicated are as follows: December 31, 2024 Dollars in thousands Large Small Total Current $ 13,207 $ 3,138 $ 16,345 30 - 89 days past due 2,410 799 3,209 90+ days past due 1,645 468 2,113 Total (1) $ 17,262 $ 4,405 $ 21,667 (1) Excludes modified finance receivables that subsequently charged off of $ 1.4 million and $ 0.2 million in large and small loans, respectively . December 31, 2023 Dollars in thousands Large Small Total Current $ 11,289 $ 1,993 $ 13,282 30 - 89 days past due 1,691 325 2,016 90+ days past due 925 177 1,102 Total (1) $ 13,905 $ 2,495 $ 16,400 (1) Excludes modified finance receivables that subsequently charged off of $ 1.8 million and $ 0.4 million in large and small loans, respectively. Prior to January 1, 2023, the Company classified a loan as a TDR finance receivable when the Company modified a loan’s contractual terms for economic or other reasons related to the borrower’s financial difficulties and granted a concession that it would not have otherwise considered. The following table provides the number and amount of net finance receivables modified and classified as TDRs during the period presented: Year Ended December 31, 2022 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Large loans $ 3,554 $ 20,537 Small loans 3,651 6,920 Retail loans 15 37 Total $ 7,220 $ 27,494 (1) Represents the post-modification net finance receivables balance of loans that have been modified during the period and resulted in a TDR. The following table provides the number of accounts and amortized cost basis of finance receivables that subsequently defaulted within the periods indicated (that were modified as a TDR in the preceding 12 months). The Company defines payment default as 90 days past due for this disclosure. The respective amounts and activity for the period indicated is as follows: Year Ended December 31, 2022 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Large loans 1,307 $ 7,704 Small loans 1,365 2,712 Retail loans 6 16 Total 2,678 $ 10,432 (1) Only includes defaults occurring within 12 months of a loan being designated as a TDR. Represents the corresponding balance of TDR net finance receivables at the end of the month in which they defaulted.

Restricted Available-for-Sale I

Restricted Available-for-Sale Investments	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Restricted Available-for-Sale Investments	Note 5. Restricted Available-for-Sale Investments The following tables reconcile the amortized cost, gross unrealized gains and losses included in accumulated other comprehensive income or loss, and estimated fair value of the Company’s restricted AFS investments as of the periods indicated: December 31, 2024 Dollars in thousands Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Restricted investments $ 21,633 $ 92 $ ( 13 ) $ 21,712 December 31, 2023 Dollars in thousands Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Restricted investments $ 23,211 $ 1 $ ( 472 ) $ 22,740 The following tables include the gross unrealized losses and estimated fair values of restricted AFS investments that were in a continuous unrealized loss position, for which no allowance for credit loss has been recorded, as of the periods indicated: December 31, 2024 Less than 12 Months 12 Months or Longer Total Dollars in thousands Estimated Fair Value Gross Unrealized Losses Estimated Fair Value Gross Unrealized Losses Estimated Fair Value Gross Unrealized Losses Restricted investments $ 2,205 $ ( 13 ) $ — $ — $ 2,205 $ ( 13 ) December 31, 2023 Less than 12 Months 12 Months or Longer Total Dollars in thousands Estimated Fair Value Gross Unrealized Losses Estimated Fair Value Gross Unrealized Losses Estimated Fair Value Gross Unrealized Losses Restricted investments $ — $ — $ 18,633 $ ( 472 ) $ 18,633 $ ( 472 ) The restricted AFS investments consist of U.S. Treasuries which are measured at fair value and include accrued interest receivables of $ 13 thousand and $ 0.3 million as of December 31, 2024 and 2023 , respectively. The investments consist of highly rated securities backed by the U.S. federal government. As a result, the Company has not recorded an allowance for credit losses related to the restricted AFS investments. The following tables include the amortized cost and estimated fair values of restricted AFS investments by contractual maturity as of the period indicated: December 31, 2024 Dollars in thousands Amortized Cost Estimated Fair Value Due in one year $ 19,415 $ 19,507 Due within one year to five years 2,218 2,205 Due within five years to ten years — — Due after ten years — — Total $ 21,633 $ 21,712 The Company had no gross realized gains but had gross realized losses of $ 20 thousand during the year ended December 31, 2024 . The Company had no gross realized gains or losses during the years ended December 31, 2023 and 2022 , respectively. For additional information on the Company's restricted AFS investments, see Note 13, "Disclosure About Fair Value of Financial Instruments."

Property and Equipment

Property and Equipment	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Property and Equipment	Note 6. Property and Equipment For the periods indicated, property and equipment consisted of the following: December 31, Dollars in thousands 2024 2023 Furniture, fixtures, and equipment $ 28,285 $ 27,228 Leasehold improvements 18,033 16,880 Property and equipment cost 46,318 44,108 Less accumulated depreciation 32,641 30,321 Property and equipment, net $ 13,677 $ 13,787 Depreciation expense for the years ended December 31, 2024, 2023, and 2022 totaled $ 4.8 million , $ 4.6 million , and $ 4.1 million , respectively.

Leases

Leases	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Leases	Note 7. Leases The Company maintains lease agreements related to its branch network and for its corporate headquarters. The branch lease agreements range from three to seven years and generally contain options to extend from three to five years . The corporate headquarters lease agreement is for eleven years and contains options to extend for ten years . All of the Company’s lease agreements are considered operating leases. None of the Company’s lease payments are dependent on an index that may change after the commencement date. Future minimum lease payments on the Company’s lease liabilities are as follows: Dollars in thousands December 31, 2024 2025 $ 11,001 2026 10,516 2027 8,369 2028 5,691 2029 4,214 Thereafter 7,938 Total 47,729 Present value adjustment ( 7,150 ) Lease liability $ 40,579 The Company’s operating and short-term lease expenses are presented below: Year Ended December 31, Dollars in thousands 2024 2023 2022 Operating leases $ 11,526 $ 10,587 $ 9,457 Short-term leases 221 447 745 Total $ 11,747 $ 11,034 $ 10,202 The Company’s weighted-average remaining lease term and discount rate for the periods indicated are as follows: December 31, 2024 December 31, 2023 Weighted-average remaining lease term (in years) 5.1 5.5 Weighted-average discount rate 6.2 % 5.7 % Rent expense for the years ended December 31, 2024, 2023, and 2022 equaled $ 11.7 million , $ 11.0 million , and $ 10.2 million , respectively. In addition to rent, the Company typically pays for all operating expenses, property taxes, and repairs and maintenance on properties that it leases.

Intangible Assets

Intangible Assets	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Intangible Assets	Note 8. Intangible Assets The following table provides the gross carrying amount and related accumulated amortization of intangible assets for the periods indicated: December 31, 2024 December 31, 2023 Dollars in thousands Gross Carrying Amount Accumulated Amortization Net Carrying Amount Gross Carrying Amount Accumulated Amortization Net Carrying Amount Software $ 43,869 $ ( 20,061 ) $ 23,808 $ 30,825 $ ( 15,695 ) $ 15,130 Other 950 ( 234 ) 716 950 ( 234 ) 716 Total $ 44,819 $ ( 20,295 ) $ 24,524 $ 31,775 $ ( 15,929 ) $ 15,846 Intangible amortization expense for the years ended December 31, 2024, 2023, and 2022 totaled $ 4.4 million , $ 3.7 million , and $ 2.9 million , respectively. As of December 31, 2024, the Company’s weighted-average amortization period for software was 6.0 years. The following table sets forth the future amortization of software: Dollars in thousands Amount 2025 $ 5,186 2026 5,189 2027 4,033 2028 3,289 2029 2,599 Thereafter 3,512 Total $ 23,808

Other Assets

Other Assets	12 Months Ended
	Dec. 31, 2024
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Other Assets	Note 9. Other Assets Other assets include the following as of the periods indicated: December 31, Dollars in thousands 2024 2023 Prepaid expenses $ 8,690 $ 9,661 Credit insurance receivable 2,840 2,759 Card payments receivable 2,587 5,666 Warehouse credit facilities debt issue costs 2,236 2,362 Income tax receivable 1,708 7,260 Other 2,805 1,711 Total $ 20,866 $ 29,419

Interest Rate Caps

Interest Rate Caps	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Interest Rate Caps	Note 10. Interest Rate Caps The Company previously purchased interest rate cap contracts to manage the risk associated with LIBOR-based borrowings. Each contract was collateralizable and contained a strike rate against the one-month LIBOR. When the one-month LIBOR exceeded the strike rate, the counterparty remitted to the Company for the excess over the strike rate. No payment was required by the Company or the counterparty when the one-month LIBOR was below the strike rate. As of September 30, 2022, the Company no longer maintained interest rate cap protections. The following is a summary of changes in fair value of the interest rate caps for the periods indicated: As of and for the Years Ended December 31 Dollars in thousands 2024 2023 2022 Beginning balance $ — $ — $ 6,586 Purchases — — — Sales — — ( 19,720 ) Fair value adjustment included as a decrease in interest expense — — 13,134 Ending balance $ — $ — $ —

Variable Interest Entities

Variable Interest Entities	12 Months Ended
	Dec. 31, 2024
Variable Interest Entities [Abstract]
Variable Interest Entities	Note 11. Variable Interest Entities As part of its overall funding strategy, the Company has transferred certain finance receivables to affiliated VIEs for asset-backed financing transactions, including securitizations. The Company’s revolving warehouse credit facilities and securitizations are issued by the Company’s SPEs, which are considered VIEs under GAAP and are consolidated into the financial statements of their primary beneficiary. These debts are supported by the expected cash flows from the underlying collateralized finance receivables. Collections on these finance receivables are remitted to restricted cash collection accounts, which totaled $ 117.1 million and $ 109.9 million as of December 31, 2024 and December 31, 2023, respectively. Cash inflows from the finance receivables are distributed to the lenders/investors, the service providers, and/or the residual interest that the Company owns in accordance with a monthly contractual priority of payments. The SPEs pay a servicing fee to the Company, which is eliminated in consolidation. Distributions from the SPEs to the Company are permitted under the debt arrangements. At each sale of receivables from the Company’s affiliates to the SPEs, the Company makes certain representations and warranties about the quality and nature of the collateralized receivables. The debt arrangements require the Company to repurchase the receivables in certain circumstances, including circumstances in which the representations and warranties made by the Company concerning the quality and characteristics of the receivables are inaccurate. Assets transferred to each SPE are legally isolated from the Company and its affiliates, as well as the claims of the Company’s and its affiliates’ creditors. Further, the assets of each SPE are owned by such SPE and are not available to satisfy the debts or other obligations of the Company or any of its affiliates. The following table presents the assets and liabilities of our consolidated VIEs: 2024 2023 Assets Cash $ 378 $ 378 Net finance receivables 1,317,604 1,278,568 Allowance for credit losses ( 136,850 ) ( 133,207 ) Restricted cash 130,970 123,899 Other assets 3,078 2,880 Total assets $ 1,315,180 $ 1,272,518 Liabilities Net debt 1,253,096 1,200,380 Accounts payable and accrued expenses 19 218 Total liabilities $ 1,253,115 $ 1,200,598

Debt

Debt	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Debt	Note 12. Debt The following is a summary of the Company’s debt as of the periods indicated: December 31, 2024 December 31, 2023 Dollars in thousands Debt Unamortized Debt Issuance Costs (1) Net Debt Debt Unamortized Debt Issuance Costs (1) Net Debt Revolving credit facilities $ 315,904 $ ( 437 ) $ 315,467 $ 245,546 $ ( 606 ) $ 244,940 Securitizations 1,162,432 ( 5,901 ) 1,156,531 1,154,268 ( 3,972 ) 1,150,296 Total $ 1,478,336 $ ( 6,338 ) $ 1,471,998 $ 1,399,814 $ ( 4,578 ) $ 1,395,236 Unused amount of revolving credit facilities (subject to borrowing base) $ 466,164 $ 551,508 (1) Unamortized debt issuance costs related to the revolving warehouse credit facilities are presented within other assets in the consolidated balance sheets. These credit facilities had $ 2.2 million and $ 2.4 million in such costs as of December 31, 2024 and December 31, 2023 , respectively. Revolving Credit Facilities: The Company’s revolving credit facilities are secured by substantially all of the Company’s finance receivables and equity interests of the majority of its subsidiaries. The Company pays unused commitment fees on its revolving credit facilities, generally based upon the average outstanding balance. As of December 31, 2024, the Company held $ 4.0 million in unrestricted cash. The Company had $ 132.9 million of immediate available liquidity to draw down cash under the senior revolving credit facility and had no immediate availability to draw down cash under any of its revolving warehouse credit facilities as of December 31, 2024; however, each of the Company’s revolving warehouse credit facilities holds restricted cash reserves to satisfy provisions of its respective credit agreement. The following table includes the key terms under each of the Company’s revolving credit facilities as of December 31, 2024: Dollars in thousands Total Credit Facility Debt Balance Restricted Cash Reserves Advance Rate Cap Current Advance Rate Unused Commitment Fee Revolving Period End Date Maturity Date Senior (1) $ 355,000 $ 219,339 $ — 83 % 75 % 0.5 % - 1.0 % N/A Sep 2025 RMR IV warehouse 125,000 4,792 61 79 % 79 % 0.4 % - 0.7 % May 2025 May 2026 RMR V warehouse (2) 100,000 52,307 325 80 % 80 % 0.4 % - 0.7 % Nov 2026 Nov 2027 RMR VI warehouse (3) (4) 75,000 2,443 32 75 % 75 % 0.5 % Feb 2025 Feb 2026 RMR VII warehouse (5) 125,000 37,023 242 76 % 76 % 0.4 % - 0.7 % N/A Oct 2026 Total $ 780,000 $ 315,904 $ 660 (1) In February 2024, the Company amended its senior revolving credit facility to, among other things, reduce the availability under the facility from $ 420 million to $ 355 million and extend the maturity date to September 2025 . (2) Following a November 2024 amendment, the revolving period end date is now November 2026 (previously November 2024 ). (3) Following a March 2024 amendment, advances on the facility are capped at 75 % of eligible finance receivables (previously 80 %). (4) See Note 21, “Subsequent Events,” for information regarding the amendment of this facility following the end of the fiscal year. (5) In October 2024, the Company amended its RMR VII warehouse credit facility to, among other things, (i) increase the credit facility to $ 125 million (previously $ 75 million); (ii) decrease the advance rate cap to 76 % (previously 80 %); (iii) extend the scheduled commitment termination date to October 2026 (previously October 2024 ); and (iv) align the legal final maturity date and scheduled commitment termination date (previously the revolving period end date). Borrowings under the revolving credit facilities bear interest, payable monthly, at a rate equal to the sum of any applicable floor, benchmark adjustment, margin, and the market rate of each respective rate type that was effective as of December 31, 2024 (as follows): Floor Benchmark Adjustment Margin Rate Type Effective Interest Rate Senior 0.5 % 0.1 % 3.0 % 1-month SOFR 7.7 % RMR IV warehouse — 0.1 % 2.8 % 1-month SOFR 7.5 % RMR V warehouse — — 2.1 % Conduit 6.9 % RMR VI warehouse — 0.1 % 2.5 % 1-month SOFR 7.2 % RMR VII warehouse (1) — — 2.4 % 1-month SOFR 7.0 % (1) Following an October 2024 amendment, the margin was reduced to 2.40 % (previously 3.00 %). Securitizations: From time to time, the Company and its SPE, RMR III, complete private offerings and sales of asset-backed notes through the Company’s Issuance Trusts. The asset-backed notes are secured by finance receivables and other related assets that RMR III purchased from the Company, which RMR III then sells and transfers to the Issuance Trusts. The Issuance Trusts hold restricted cash reserves to satisfy provisions of the transaction documents. Borrowings under the securitizations bear interest, payable monthly, and principal repayments begin the month subsequent to the end of the revolving period. Prior to maturity, the Company may redeem the notes in full, but not in part, at its option on securitization-specific, designated dates. No payments of principal of the notes will be made during the revolving periods. The following table includes the key terms under each of the Company’s securitizations as of December 31, 2024: Dollars in thousands Issue Date Issue Amount Debt Balance Restricted Cash Reserves Effective Interest Rate Revolving Period End Date Maturity Date RMIT 2020-1 Sep 2020 $ 180,000 $ 46,769 $ 1,875 4.3 % Sep 2023 Oct 2030 RMIT 2021-1 Feb 2021 248,700 101,550 2,604 2.7 % Feb 2024 Mar 2031 RMIT 2021-2 Jul 2021 200,000 200,191 2,083 2.3 % Jul 2026 Aug 2033 RMIT 2021-3 Oct 2021 125,000 125,202 1,471 3.9 % Sep 2026 Oct 2033 RMIT 2022-1 Feb 2022 250,000 250,374 2,646 3.6 % Feb 2025 Mar 2032 RMIT 2024-1 (1) Jun 2024 187,305 187,788 1,078 6.2 % May 2027 Jul 2036 RMIT 2024-2 (2) Nov 2024 250,000 250,558 1,418 5.3 % Nov 2026 Dec 2033 Total $ 1,441,005 $ 1,162,432 $ 13,175 (1) In June 2024, the Company, its SPE, RMR III, and the Company’s indirect SPE, RMIT 2024-1, completed a private offering and sale of $ 187 million of asset-backed notes. The transaction consisted of the issuance of four classes of fixed-rate, asset-backed notes by RMIT 2024-1. The asset-backed notes are secured by finance receivables and other related assets that RMR III purchased from the Company, which RMR III then sold and transferred to RMIT 2024-1. Prior to maturity in July 2036, the Company may redeem the notes in full, but not in part, at its option on any note payment date on or after the payment date occurring in June 2027. No payments of principal of the notes will be made during the revolving period. (2) In November 2024, the Company, its SPE, RMR III, and the Company’s indirect SPE, RMIT 2024-2, completed a private offering and sale of $ 250 million of asset-backed notes. The transaction consisted of the issuance of four classes of fixed-rate, asset-backed notes by RMIT 2024-1. The asset-backed notes are secured by finance receivables and other related assets that RMR III purchased from the Company, which RMR III then sold and transferred to RMIT 2024-1. Prior to maturity in December 2033, the Company may redeem the notes in full, but not in part, at its option on any note payment date on or after the payment date occurring in December 2026. No payments of principal of the notes will be made during the revolving period. RMIT 2022-2B Securitization: In October 2022, the Company, its wholly owned SPE, RMR III, and its indirect wholly owned SPE, RMIT 2022-2B, completed a private offering and sale of $ 200 million of asset-backed notes. In November 2024, the Company and RMR III exercised the right to make an optional principal repayment in full, and in connection with such prepayment, the securitization terminated. The Company’s debt arrangements are subject to certain covenants, including monthly and annual reporting, maintenance of specified interest coverage and debt ratios, restrictions on distributions, limitations on other indebtedness, and certain other restrictions. As of December 31, 2024, the Company was in compliance with all debt covenants. The following is a summary of estimated future principal payments required on outstanding debt: Dollars in thousands Amount 2025 $ 466,626 2026 285,124 2027 499,389 2028 196,828 2029 26,296 Thereafter — Total $ 1,474,263

Stockholders' Equity

Stockholders' Equity	12 Months Ended
	Dec. 31, 2024
Stockholders' Equity Note [Abstract]
Stockholders' Equity	Note 13. Stockholders’ Equity Stock repurchase program: In December 2024, the Company announced that the Board had authorized a $ 30 million stock repurchase program. The authorization was effective immediately and extends through December 31, 2026 . As of December 31, 2024 , the Company had repurchased 105 thousand shares of common stock at a total cost of $ 3.5 million. The following is a summary of the Company’s repurchased shares of common stock for the periods indicated: Year Ended December 31, Dollars in thousands, except per share amounts 2024 2023 2022 Common stock repurchased 105 — 437 Weighted-average cost per share $ 33.86 $ — $ 47.14 Total cost of common stock repurchased $ 3,540 $ — $ 20,613 Quarterly cash dividend: The Board may in its discretion declare and pay cash dividends on the Company’s common stock. The following table presents the dividends declared per share of common stock for the periods indicated: Year Ended December 31, 2024 2023 2022 Dividends declared per common share $ 1.20 $ 1.20 $ 1.20 See Note 21, “Subsequent Events,” for information regarding the Company’s cash dividend following the end of the fiscal year.

Disclosure About Fair Value of

Disclosure About Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Disclosure About Fair Value of Financial Instruments	Note 14. Disclosure About Fair Value of Financial Instruments The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value: Cash and restricted cash: Cash and restricted cash is recorded at cost, which approximates fair value due to its highly liquid nature. Restricted AFS investments: The fair value of U.S. Treasury securities is priced using an external pricing service which the Company corroborates using a secondary external vendor. For additional information on the Company's restricted AFS investments, see Note 5, "Restricted Available-for-Sale Investments." Net finance receivables: The Company determines the fair value of net finance receivables using a discounted cash flows methodology. The application of this methodology requires the Company to make certain estimates and judgments. These estimates and judgments include, but are not limited to, prepayment rates, default rates, loss severity, and risk-adjusted discount rates. Debt: The Company estimates the fair value of debt using estimated credit marks based on an index of similar financial instruments (credit facilities) and projected cash flows from the underlying collateralized finance receivables (securitizations), each discounted using a risk-adjusted discount rate. Certain of the Company’s assets estimated fair value are classified and disclosed in one of the following three categories: Level 1 – Quoted market prices in active markets for identical assets or liabilities. Level 2 – Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data. Level 3 – Unobservable inputs that are not corroborated by market data. In determining the appropriate levels, the Company performs an analysis of the assets and liabilities that are estimated at fair value. At each reporting period, all assets and liabilities for which the fair value measurement is based on significant unobservable inputs are classified as Level 3. The following table includes the carrying amounts and estimated fair values of financial assets and liabilities disclosed but not carried at fair value: December 31, 2024 December 31, 2023 Dollars in thousands Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Assets Level 1 Cash $ 3,951 $ 3,951 $ 4,509 $ 4,509 Restricted cash 131,684 131,684 124,164 124,164 Level 3 Net finance receivables, less unearned insurance 1,644,967 1,695,325 1,536,118 1,603,737 Liabilities Level 3 Debt 1,478,336 1,428,607 1,399,814 1,308,349 The following table includes the carrying amounts and estimated fair values of amounts the Company measures at fair value on a recurring basis: December 31, 2024 December 31, 2023 Dollars in thousands Carrying Estimated Carrying Estimated Assets Level 2 Restricted AFS investments 21,712 21,712 22,740 22,740 As of the periods indicated above, there were no financial assets or liabilities measured at fair value on a non-recurring basis.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Income Taxes	Note 15. Income Taxes The Company and its subsidiaries file a consolidated federal income tax return. The Company files consolidated or separate state income tax returns as required by individual states in which it operates. The Company is generally no longer subject to federal, state, or local income tax examinations by taxing authorities before 2021. However, the Company remains subject to examination in Wisconsin for its 2020 tax return and in Texas for its 2018, 2019, and 2020 tax returns. Income tax expense attributable to total income before income taxes consists of the following for the periods indicated: Year Ended December 31, Dollars in thousands 2024 2023 2022 Current: Federal $ 7,886 $ 3,567 $ 7,383 State and local 724 1,146 1,948 8,610 4,713 9,331 Deferred: Federal 3,821 289 5,247 State and local 417 ( 177 ) ( 481 ) 4,238 112 4,766 Total $ 12,848 $ 4,825 $ 14,097 Income tax expense differed from the amount computed by applying the federal income tax rate to total income before income taxes as a result of the following: Year Ended December 31, 2024 2023 2022 Dollars in thousands $ % $ % $ % Federal tax expense at statutory rate $ 11,356 21.0 % $ 4,364 21.0 % $ 13,717 21.0 % Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 1,124 2.1 % 882 4.2 % 1,134 1.7 % Non-deductible compensation 1,334 2.5 % 1,021 4.9 % 627 1.0 % Excess tax (benefits) deficiencies from share-based awards ( 67 ) ( 0.1 )% 301 1.4 % ( 344 ) ( 0.5 )% Research and development ( 859 ) ( 1.6 )% ( 1,459 ) ( 7.0 )% ( 1,222 ) ( 1.9 )% Other ( 40 ) ( 0.1 )% ( 284 ) ( 1.3 )% 185 0.3 % Total $ 12,848 23.8 % $ 4,825 23.2 % $ 14,097 21.6 % Net deferred tax assets and liabilities consist of the following as of the periods indicated: December 31, Dollars in thousands 2024 2023 Deferred tax assets: Allowance for credit losses $ 47,296 $ 44,200 Lease liability 9,716 8,711 Unearned insurance commissions 7,760 7,729 Research and experimental expenditures 4,408 4,100 Share-based compensation 3,011 2,870 Accrued expenses 2,444 2,542 State net operating loss carryforward 1,638 1,548 Unearned premium reserves 234 225 Other 59 134 Deferred tax assets 76,566 72,059 Deferred tax liabilities: Fair market value adjustment of net finance receivables 49,942 42,713 Lease assets 9,207 8,173 Deferred loan costs 4,162 3,658 Depreciation and software amortization 2,580 2,353 Prepaid expenses 1,305 1,521 Other 84 — Deferred tax liabilities 67,280 58,418 Deferred tax assets, net $ 9,286 $ 13,641 The Company had a state net operating loss carryforward of approximately $ 52.0 million as of December 31, 2024 . These carryforwards are available to offset future taxable income. If not used, the carryforward will expire beginning in 2032 . Companies are not permitted to recognize the tax benefit attributable to a tax position unless such position is more likely than not to be sustained upon examination by taxing authorities, based solely on the technical merits of the position. At December 31, 2024, the Company had $ 1.0 million of unrecognized tax benefits that, if recognized, would affect the effective tax rate. The Company recognizes interest and penalties accrued related to unrecognized tax benefits in the income tax line of the consolidated statements of comprehensive income. The Company recognized approximately $ 0.1 million , $ 0.1 million , and $ 19 thousand of interest and penalties during the years ended December 31, 2024, 2023, and 2022, respectively. The following schedule reconciles unrecognized tax positions for the periods indicated: As of and for the Years Ended December 31, Dollars in thousands 2024 2023 2022 Beginning balance $ 733 $ 414 $ — Additions based on tax positions related to the current year 247 268 233 Additions for tax positions of prior years 4 51 181 Ending balance $ 984 $ 733 $ 414

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Earnings Per Share	Note 16. Earnings Per Share The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated: Year Ended December 31, Dollars in thousands, except per share amounts 2024 2023 2022 Numerator: Net income $ 41,227 $ 15,958 $ 51,224 Denominator: Weighted-average shares outstanding for basic earnings per share 9,640 9,398 9,296 Effect of dilutive securities 317 195 360 Weighted-average shares adjusted for dilutive securities 9,957 9,593 9,656 Earnings per share: Basic $ 4.28 $ 1.70 $ 5.51 Diluted $ 4.14 $ 1.66 $ 5.30 The Company excluded outstanding shares of common stock totaling 0.2 million , 0.4 million , and 0.3 million for the years ended December 31, 2024, 2023, and 2022 , respectively, from the computation of diluted earnings per share because they were anti-dilutive.

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
Share-Based Compensation	Note 17. Share-Based Compensation The Company previously adopted the 2015 Plan (including re-approval as amended and restated in April 2017 and May 2021). On May 16, 2024, the stockholders of the Company approved the 2024 Plan. As of December 31, 2024 , subject to adjustments as provided in the 2024 Plan, the maximum aggregate number of shares of the Company’s common stock that could be issued under the 2024 Plan could not exceed the sum of (i) 381,000 shares plus (ii) any shares remaining available for the grant of awards as of May 16, 2024 under the 2015 Plan, plus (iii) any shares subject to an award granted under the 2015 Plan which award is forfeited, cash-settled, cancelled, terminated, expires, or lapses for any reason after May 16, 2024 without the issuance of shares or pursuant to which such shares are forfeited (subject to adjustment for anti-dilution purposes as provided in the 2024 Plan). Of the amount described in the preceding sentence, no more than 381,000 shares may be issued under the 2024 Plan pursuant to the grant of incentive stock options (subject to adjustment for anti-dilution purposes). As of May 16, 2024, there were 1.0 million shares available for grant under the 2024 Plan, inclusive of shares previously available for grant under the 2015 Plan that were rolled over to the 2024 Plan. No further grants will be made under the 2015 Plan. However, awards that are outstanding under the 2015 Plan will continue in accordance with their respective terms. As of December 31, 2024, there were 0.5 million shares available for grant under the 2024 Plan. For the years ended December 31, 2024, 2023, and 2022, the Company recorded share-based compensation expense of $ 11.2 million , $ 11.8 million , and $ 10.8 million , respectively. As of December 31, 2024, unrecognized share-based compensation expense to be recognized over future periods approximated $ 11.2 million . This amount will be recognized as expense over a weighted-average period of 1.6 years. Share-based compensation expenses are recognized on a straight-line basis over the requisite service period of the agreement. All share-based compensation is classified as equity awards. During the year ended December 31, 2024, share-based compensation of $ 0.8 million was capitalized as software. There was no capitalization of share-based compensation for the years ended December 31, 2023 and 2022. The Company allows for the settlement of share-based awards on a net share basis. With net share settlement, the employee does not surrender any cash or shares upon the exercise of stock options or the vesting of stock awards or stock units. Rather, the Company withholds the number of shares with a value equivalent to the option exercise price (for stock options) and the statutory tax withholding (for all share-based awards). Net share settlements have the effect of reducing the number of shares that would have otherwise been issued as a result of exercise or vesting. Long-term incentive program: The Company issues PRSUs, service-based RSUs, and RSAs to certain members of senior management under the Company’s LTIP. Recurring annual grants are made at the discretion of the Board. The annual grants are subject to cliff- and graded-vesting, generally concluding at the end of the third calendar year and subject to continued employment or as otherwise provided in the underlying award agreements. Vested PRSUs are subject to an additional one-year holding period following the vesting date. The actual value of the PRSUs that may be earned can range from 0 % to 150 % of target based on positive or negative cumulative total shareholder return concluding at the end of the third calendar year . Prior to 2022, the Company issued NQSOs, performance-contingent RSUs, CSPUs, and RSAs to certain members of senior management under the LTIP. The CSPUs were cash incentive awards, and the associated expense was not based on the market price of the Company’s common stock. These annual grants were subject to cliff- and graded-vesting, generally concluding at the end of the third calendar year and subject to continued employment or as otherwise provided in the underlying award agreements. The actual value of the performance-contingent RSUs and CSPUs that could be earned ranged from 0 % to 150 % of target based on the percentile ranking of the Company’s compound annual growth rate of pre-provision net income and pre-provision net income per share compared to a public company peer group over a three-year performance period. Key team member incentive program: The Company also has a KTIP for certain other members of senior management. Recurring annual participation in the program is at the discretion of the Board and executive management. The annual grants are subject to graded-vesting, generally concluding at the end of the third calendar year and subject to continued employment or as otherwise provided in the underlying award agreements. Prior to 2024, the annual grant was subject to performance over a one-year period. Payout under the program ranged from 0 % to 150 % of target based on the achievement of five Company performance metrics and individual performance goals (subject to continued employment and certain other terms and conditions of the program). If earned, an RSA was issued following the one-year performance period that vested ratably over a subsequent two-year period (subject to continued employment or as otherwise provided in the underlying award agreement). Inducement and retention program: From time to time, the Company issues stock awards and other long-term incentive awards in conjunction with employment offers to select new employees and retention grants to select existing employees. The Company issues these awards to attract and retain talent and to provide market competitive compensation. The grants have various vesting terms, including fully-vested awards at the grant date, cliff-vesting, and graded-vesting over periods of up to five years (subject to continued employment or as otherwise provided in the underlying award agreements). Non-employee director compensation program: The Company awards its non-employee directors a cash retainer and shares of restricted common stock. The RSAs are granted on the fifth business day following the Company’s annual meeting of stockholders and fully vest upon the earlier of the first anniversary of the grant date or the completion of the directors’ annual service to the Company (so long as the period between the date of the annual stockholders’ meeting related to the grant date and the date of the next annual stockholders’ meeting is not less than 50 weeks). The following are the terms and amounts of the awards issued under the Company’s share-based incentive programs: Non-qualified stock options: The exercise price of all stock options is equal to the Company’s closing stock price on the date of grant. Stock options are subject to various vesting terms, including graded- and cliff-vesting over periods of up to five years . In addition, stock options vest and become exercisable in full or in part under certain circumstances, including following the occurrence of a change of control (as defined in the option award agreements). Participants who are awarded options must exercise their options within a maximum of ten years of the grant date. The fair value of option grants was estimated on the grant date using the Black-Scholes option-pricing model. Beginning in 2022, the Company no longer issues NQSOs as part of its annual long-term incentive program. The following table summarizes the stock option activity for the year ended December 31, 2024: Dollars in thousands, except per share amounts Number of Weighted-Average Exercise Price Weighted-Average Remaining Contractual Life (Years) Aggregate Intrinsic Value Options outstanding at January 1, 2024 509 $ 23.32 Granted — — Exercised ( 65 ) 21.06 Forfeited — — Expired — — Options outstanding at December 31, 2024 444 $ 23.65 4.4 $ 4,584 Options exercisable at December 31, 2024 444 $ 23.65 4.4 $ 4,584 The following table provides additional stock option information for the periods indicated: Year Ended December 31, Dollars in thousands, except per share amounts 2024 2023 2022 Weighted-average grant date fair value per share $ — $ — $ — Intrinsic value of options exercised $ 718 $ 277 $ 2,142 Fair value of stock options that vested $ — $ 544 $ 849 Performance restricted stock units: Compensation expense for PRSUs is based on the fair value of the award estimated on the grant date using the Monte Carlo valuation model. The following are the weighted-average assumptions for the PRSU grants for the periods indicated: Year Ended December 31, 2024 2023 2022 Expected volatility 42.48 % 40.18 % 39.24 % Expected dividends 2.30 % 2.24 % — Risk-free rate 5.21 % 5.21 % 1.05 % Discount for post-vesting restrictions 9.19 % 8.48 % 11.93 % The following table summarizes PRSU activity for the year ended December 31, 2024: Dollars and units in thousands, except per unit amounts Units Weighted-Average Non-vested units at January 1, 2024 175 $ 39.94 Granted 136 26.21 Achieved performance adjustment — — Vested — — Forfeited — — Non-vested units at December 31, 2024 311 $ 33.93 The following table provides additional PRSU information for the periods indicated: Year Ended December 31, Dollars in thousands, except per unit amounts 2024 2023 2022 Weighted-average grant date fair value per unit $ 26.21 $ 32.40 $ 52.07 Fair value of PRSUs that vested $ — $ — $ — Performance-contingent restricted stock units: Compensation expense for performance-contingent RSUs is based on the Company’s closing stock price on the date of grant and the probability that certain financial goals will be achieved over the performance period. Compensation expense is estimated based on expected performance and is adjusted at each reporting period. The following table summarizes performance-contingent RSU activity for the year ended December 31, 2024: Dollars in thousands, except per unit amounts Units Weighted-Average Grant Date Fair Value Per Unit Non-vested units at January 1, 2024 45 $ 30.22 Granted (target) — — Achieved performance adjustment — — Vested ( 45 ) 30.22 Forfeited — — Non-vested units at December 31, 2024 — $ — The following table provides additional performance-contingent RSU information for the periods indicated: Year Ended December 31, Dollars in thousands, except per unit amounts 2024 2023 2022 Weighted-average grant date fair value per unit $ — $ — $ — Fair value of RSUs that vested $ 1,371 $ 1,445 $ 513 Restricted stock units: The fair value and compensation expense of the primary portion of the Company’s service-based RSUs are calculated using the Company’s closing stock price on the date of grant. These RSUs include RSUs granted pursuant to the Company’s LTIP. The following table summarizes service-based RSU activity for the year ended December 31, 2024: Dollars and units in thousands, except per unit amounts Units Weighted-Average Non-vested units at January 1, 2024 — $ — Granted (target) 53 28.20 Vested ( 18 ) 28.20 Forfeited — — Non-vested units at December 31, 2024 35 $ 28.20 The following table provides additional service-based RSU information for the periods indicated: Year Ended December 31, Dollars in thousands, except per unit amounts 2024 2023 2022 Weighted-average grant date fair value per unit $ 28.20 $ — $ — Fair value of RSUs that vested $ 500 $ — $ — Restricted stock awards: The fair value and compensation expense of the primary portion of the Company’s RSAs are calculated using the Company’s closing stock price on the date of grant. These RSAs include director awards, inducement awards, RSAs granted pursuant to the Company’s LTIP, and, beginning in 2024, RSAs granted pursuant to the Company’s KTIP. Prior to 2024, the Company’s KTIP was administered as a performance-based program. The fair value and compensation expense of RSAs granted pursuant to the Company’s performance-based KTIP was calculated using the Company’s closing stock price on the date of grant and the probability that certain financial goals would be achieved over the performance period. Compensation expense was estimated based on expected performance and was adjusted at each reporting period. The following table summarizes RSA activity for the year ended December 31, 2024: Dollars in thousands, except per share amounts Shares Weighted-Average Grant Date Fair Value Per Share Non-vested shares at January 1, 2024 190 $ 35.89 Granted 372 28.52 Vested ( 217 ) 34.36 Forfeited ( 11 ) 31.83 Non-vested shares at December 31, 2024 334 $ 28.80 The following table provides additional RSA information for the periods indicated: Year Ended December 31, Dollars in thousands, except per share amounts 2024 2023 2022 Weighted-average grant date fair value per share $ 28.52 $ 34.25 $ 40.76 Fair value of RSAs that vested $ 7,467 $ 8,787 $ 7,274

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 18. Commitments and Contingencies In the normal course of business, the Company has been named as a defendant in legal actions in connection with its activities. Some of the actual or threatened legal actions include claims for compensatory damages or claims for indeterminate amounts of damages. The Company contests liability and the amount of damages, as appropriate, in each pending matter. Where available information indicates that it is probable that a liability has been incurred and the Company can reasonably estimate the amount of that loss, the Company accrues the estimated loss by a charge to net income. However, in many legal actions, it is inherently difficult to determine whether any loss is probable, or even reasonably possible, or to estimate the amount of loss. This is particularly true for actions that are in their early stages of development or where plaintiffs seek indeterminate damages. In addition, even where a loss is reasonably possible or an exposure to loss exists in excess of the liability already accrued, it is not always possible to reasonably estimate the size of the possible loss or range of loss. Before a loss, additional loss, range of loss, or range of additional loss can be reasonably estimated for any given action, numerous issues may need to be resolved, including through lengthy discovery, following determination of important factual matters, and/or by addressing novel or unsettled legal questions. For certain other legal actions, the Company can estimate reasonably possible losses, additional losses, ranges of loss, or ranges of additional loss in excess of amounts accrued, but the Company does not believe, based on current knowledge and after consultation with counsel, that such losses will have a material adverse effect on the consolidated financial statements. While the Company will continue to identify legal actions where it believes a material loss to be reasonably possible and reasonably estimable, there can be no assurance that material losses will not be incurred from claims that the Company has not yet been notified of or are not yet determined to be probable, or reasonably possible and reasonable to estimate. The Company expenses legal costs as they are incurred.

Insurance Products and Reinsura

Insurance Products and Reinsurance of Certain Risks	12 Months Ended
	Dec. 31, 2024
Insurance [Abstract]
Insurance Products and Reinsurance of Certain Risks	Note 19. Insurance Products and Reinsurance of Certain Risks RMC Reinsurance, Ltd. is a wholly owned insurance subsidiary of the Company. The Company sells optional insurance products to its customers in connection with its lending operations. These optional products include credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance. The type and terms of our optional insurance products vary from state to state based on applicable laws and regulations. Insurance premiums are remitted to an unaffiliated company that issues the policy to the customer. This unaffiliated company cedes the premiums to RMC Reinsurance, Ltd. Life insurance premiums are ceded to the Company as written and non-life products are ceded as earned. Unearned insurance premiums represent insurance premiums, net of premiums held by the unaffiliated insurance underwriter, that will be earned over the terms of the policies. The Company maintains a restricted reserve comprised of restricted cash and restricted AFS investments for life insurance claims in an amount determined by the ceding company. At December 31, 2024 and 2023, the restricted reserves consisted of $ 21.2 million and $ 21.9 million of unearned premium reserves, respectively, and $ 1.2 million of unpaid claim reserves for both periods. For non-life products, the Company had no unpaid claim reserves at both December 31, 2024 and 2023, as changes in claim reserves are settled between the Company and the unaffiliated insurance underwriter as they are incurred. For the year ended December 31, 2024, non-life unpaid claim reserves, included in insurance income, net as presented in the table below, increased $ 0.8 million . For the year ended December 31, 2023, non-life unpaid claim reserves decreased $ 0.2 million , and increased $ 0.5 million for the year ended December 31, 2022. Insurance income, net consists primarily of earned premiums, net of certain direct costs, from the sale of various optional payment and collateral protection insurance products offered to customers who obtain loans directly from the Company. Earned premiums are accounted for over the period of the underlying reinsured policies using assumptions consistent with the policy terms. Direct costs included in insurance income, net are claims paid, changes in claims reserves, ceding fees, and premium taxes paid. The Company does not allocate to insurance income, net, any other head office or branch administrative costs associated with managing its insurance operations, managing its captive insurance company, marketing and selling insurance products, legal and compliance review, or internal audits. The following table summarizes the components of insurance income, net for the periods indicated: Insurance Premiums and Direct Expenses Dollars in thousands 2024 2023 2022 Earned premiums $ 57,312 $ 59,830 $ 60,190 Claims, reserves, and certain direct expenses ( 16,617 ) ( 15,301 ) ( 16,688 ) Insurance income, net $ 40,695 $ 44,529 $ 43,502 Apart from the various optional payment and collateral protection insurance products that the Company offers to customers, on certain loans, the Company also collects a fee from customers and, in turn, purchases non-file insurance from an unaffiliated insurance company for its benefit in lieu of recording and perfecting its security interest in personal property collateral. Non-file insurance protects the Company from credit losses where, following an event of default, it is unable to take possession of personal property collateral because its security interest is not perfected (for example, in certain instances where a customer files for bankruptcy). In such circumstances, non-file insurance generally will pay to the Company an amount equal to the lesser of the loan balance or the collateral value.

Segment Reporting

Segment Reporting	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Segment Reporting	Note 20. Segment Reporting The Company has one reportable segment: consumer finance. The Company allocates resources and assesses financial performance on a consolidated basis because its product offerings require similar technology and marketing strategies, and do not significantly differ on the bases of geographic areas and/or related regulatory environments. The Company’s chief executive officer is the CODM, and is responsible for allocating resources and assessing financial performance. The Company’s consolidated net income is the measure used by the CODM in evaluating the segment profit or loss of the Company. The CODM uses net income results and impacts to assess performance and drive decision-making when allocating resources. The Company’s financial results include the following measures’ amounts for the periods indicated that are either reviewed by the CODM or are otherwise regularly provided to the CODM: Year Ended December 31, Dollars in thousands 2024 2023 2022 Interest income $ 491,308 $ 454,856 $ 416,969 Fee income 37,586 34,842 33,885 Insurance income, net 40,695 44,529 43,502 Other income 18,914 17,172 12,831 Provision for credit losses 212,200 220,034 185,115 Share-based compensation expense 11,171 11,755 10,768 Depreciation and amortization expense 9,186 8,218 7,072 Interest expense 74,530 67,463 34,223 Income tax expense 12,848 4,825 14,097 As part of the CODM’s review and evaluation process for allocating resources, the CODM is provided with only the consolidated expenses as noted on the face of the Company’s consolidated statements of comprehensive income. The following table presents the Company’s revenues from external customers for each significant product and service for the periods indicated: Year Ended December 31, Dollars in thousands 2024 2023 2022 Large loans $ 337,708 $ 323,898 $ 288,516 Small loans 190,830 164,671 160,419 Retail loans 356 1,129 1,919 Interest and fee income 528,894 489,698 450,854 Insurance income, net 40,695 44,529 43,502 Other income 18,914 17,172 12,831 Total revenue $ 588,503 $ 551,399 $ 507,187 T he Company operates in the consumer finance industry within the United States and, therefore, does not have any customer concentration or international operations. See Note 3, “Concentrations of Credit Risk,” for additional information regarding the risks relating to geographic concentration. During the process for allocating resources for the Company, the CODM also receives asset information, primarily relating to total assets. Total assets were $ 1.9 billion and $ 1.8 billion as of December 31, 2024 and 2023 , respectively. The Company’s balance sheet expenditures for long-lived assets either reviewed by the CODM or are otherwise regularly provided to the CODM are included in the Company’s Consolidated Statements of Cash Flows. These expenditures are represented as “Purchases of intangible assets,” “Purchases of property and equipment,” and “Operating leases paid” within the referenced statements.

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2024
Subsequent Events [Abstract]
Subsequent Events	Note 21. Subsequent Events RMR VI revolving warehouse credit facility amendment: In January 2025, the Company amended its RMR VI revolving warehouse credit facility to, among other things, (i) address changes to the definitions of “Concentration Limits” and “Level II Trigger Event,” February 2027 , (iv) make certain clarifications to the eligibility criteria for “Eligible Receivables,” (v) add definitions and amend related provisions to allow for interest on the loans to accrue based on the Daily Simple Secured Overnight Financing Rate (as defined therein), and (vi) address amendments to and the incorporation of certain definitions relating to the pledge of receivables representing an undivided fractional participation interests in such receivables originated by a bank partner upon the satisfaction of certain conditions. Certain pricing terms were modified pursuant to an amended and restated fee letter agreement. The terms of the amended and restated fee letter agreement reduced the margin applied in calculating the rate of interest on the advances made pursuant to the RMR VI Credit Agreement to 2.05 % per annum. The amended revolving warehouse credit facility is described in greater detail in the Current Report on Form 8-K filed by the Company with the SEC on February 5, 2025. Quarterly cash dividend: In February 2025 , the Company announced that the Board declared a quarterly cash dividend of $ 0.30 per share. The dividend will be paid on March 13, 2025 to shareholders of record at the close of business on February 20, 2025 . The declaration, amount, and payment of any future cash dividends on shares of the Company’s common stock will be at the discretion of the Board.

Significant Accounting Polici_2

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Business segments	Business segments: The Company has one reportable segment, which is the consumer finance segment.
Principles of consolidation	Principles of consolidation: The consolidated financial statements include the accounts of the Company and its wholly owned subsidiaries. All intercompany balances and transactions have been eliminated in consolidation. The Company operates through a separate wholly owned subsidiary in each state. The Company also consolidates VIEs when it is considered to be the primary beneficiary of the VIE because it has (i) power over the significant activities of the VIE and (ii) the obligation to absorb losses or the right to receive returns that could be significant to the VIE.
Variable interest entities	Variable interest entities: The Company transfers pools of loans to SPEs to secure debt for general funding purposes. These entities have the limited purpose of acquiring finance receivables, in addition to holding and making payments on the related debts. Assets transferred to each SPE are legally isolated from the Company and its affiliates, as well as the claims of the Company’s and its affiliates’ creditors. Further, the assets of each SPE are owned by such SPE and are not available to satisfy the debts or other obligations of the Company or any of its affiliates. The Company continues to service the finance receivables transferred to the SPEs. The lenders and investors in the debt issued by the SPEs generally only have recourse to the assets of the SPEs and do not have recourse to the general credit of the Company. The SPEs’ debt arrangements are structured to provide credit enhancements to the lenders and investors, which may include overcollateralization, subordination of interests, excess spread, and reserve funds. These enhancements, along with the isolated finance receivables pools, increase the creditworthiness of the SPEs above that of the Company as a whole. This increases the marketability of the Company’s collateral for borrowing purposes, leading to more favorable borrowing terms, improved interest rate risk management, and additional flexibility to grow the business. The SPEs are considered VIEs under GAAP and are consolidated into the financial statements of their primary beneficiary. The Company is considered to be the primary beneficiary of the SPEs because it has (i) power over the significant activities through its role as servicer of the finance receivables under each debt arrangement, (ii) the obligation to absorb losses that could be significant through note investment, if applicable, and (iii) the obligation to absorb losses or the right to receive returns that could be significant through the Company’s interest in the monthly residual cash flows of the SPEs. Consolidation of VIEs results in these transactions being accounted for as secured borrowings; therefore, the pooled receivables and the related debts remain on the consolidated balance sheet of the Company. Each debt is secured solely by the assets of the VIEs and not by any other assets of the Company. The assets of the VIEs are the only source of funds for repayment on each debt, and restricted cash held by the VIEs can only be used to support payments on the debt. The Company recognizes revenue and provision for credit losses on the finance receivables of the VIEs and interest expense on the related secured debt.
Use of estimates	Use of estimates: The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, revenues and expenses, and disclosure of contingent assets and liabilities for the periods indicated in the financial statements. Actual results could differ from those estimates. Estimates that are susceptible to change relate to the determination of the allowance for credit losses, the valuation of deferred tax assets and liabilities, and the fair value of financial instruments.
Recent accounting pronouncements	Recent accounting pronouncements: In November 2023, the FASB issued ASU 2023-07, improving the disclosure requirements for reportable segments, primarily through enhanced disclosures about significant segment expenses. These enhanced disclosures require reporting of incremental segment information on an annual and interim basis for all public entities, including public entities with only one reportable segment, to enable investors to develop more decision-useful financial analyses. The amendments in this update are effective for annual periods beginning after December 15, 2023 and interim periods within annual periods beginning after December 15, 2024. The Company adopted and applied the update on a retrospective basis for all prior periods presented in the financial statements, and upon transition, the expense categories and amounts disclosed in the prior periods are based on the significant segment expense categories identified and disclosed in the period of adoption if applicable. Implementation of the update did not have a material effect on the Company’s consolidated financial statements. See Note 20, “Segment Reporting,” for the Company’s enhanced disclosures to reflect the adoption of this update. In December 2023, the FASB issued ASU 2023-09, enhancing the transparency and decision usefulness of income tax disclosures. The amendment, among other things, improves transparency of income tax disclosures by requiring more consistent categories and greater disaggregation of information in rate reconciliations, and disaggregation of income taxes paid by jurisdiction. The amendments in this update are effective for annual periods beginning after December 15, 2024, and early adoption is permitted for annual financial statements that have not yet been issued or made available for issuance. The income tax guidance should be applied on a prospective basis; however, retrospective application is permitted. The Company is currently evaluating the impact of this update on its consolidated financial statements. In November 2024, the FASB issued ASU 2024-03, enhancing the disclosures about a company’s expenses. The amendment, among other things, improves these disclosures by requiring disaggregated expense information about a company’s expense types. The amendments in this update are effective for annual periods beginning after December 15, 2026, and early adoption is permitted. The enhanced expense guidance can be applied on either a prospective (for financial statements issued during reporting periods after the effective date of this ASU) or retrospective (to any or all prior periods presented) basis. The Company is currently evaluating the impact of this update on its consolidated financial statements.
Treasury Stock	Treasury stock: The Company records the repurchase of shares of its common stock at cost on the settlement date of the transaction. These shares are considered treasury stock, which is a reduction to stockholders’ equity. Treasury stock is included in authorized and issued shares but excluded from outstanding shares.
Net finance receivables	Net finance receivables: Generally, the Company classifies finance receivables as held for investment based on management’s intent at the time of origination. The Company determines classification on a receivable-by-receivable basis. The Company classifies finance receivables as held for investment due to its ability and intent to hold them until their contractual maturities. Net finance receivables consist of the Company’s installment loans. The Company carries net finance receivables at amortized cost, which includes remaining principal balance, accrued interest, and net unamortized deferred origination costs and unamortized fees. Loan renewals are a significant piece of new volume and are considered a terminal event of the previous loan. The Company may renew delinquent secured or unsecured loan accounts if the customer meets the Company’s underwriting criteria and it does not appear the cause of past delinquency will affect the customer’s ability to repay the renewed loan.
Delinquency	Delinquency: The Company determines past due status using the contractual terms of the finance receivable. Delinquency is one of the primary credit quality indicators used to evaluate the allowance for credit losses for each class of finance receivables.
Finance receivable origination fees and costs	Finance receivable origination fees and costs: Non-refundable fees received and direct costs (personnel and digital loan origination costs) incurred for the origination of finance receivables are deferred and recognized to interest income over their contractual lives using the constant yield method. Unamortized amounts are recognized in interest income at the time that finance receivables are paid in full, renewed, or charged off.
Nonaccrual status	Nonaccrual status: Accrual of interest income on finance receivables is suspended when an account becomes 90 days delinquent. If the account is charged off, the accrued interest income is reversed as a reduction of interest and fee income. Interest received on such loans is accounted for on the cash-basis method, until qualifying for return to accrual. Under the cash-basis method, interest income is recorded when the payment is received. Loans resume accruing interest when the past due status is brought below 90 days. The Company made a policy election to not record an allowance for credit losses related to accrued interest because it has nonaccrual and charge-off policies that result in the timely suspension and reversal of accrued interest.
Allowance for credit losses	Allowance for credit losses: The allowance for credit losses is based on historical credit experience, current conditions, and reasonable and supportable economic forecasts. The historical loss experience is adjusted for quantitative and qualitative factors that are not fully reflected in the historical data. In determining its estimate of expected credit losses, the Company evaluates information related to credit metrics, changes in its lending strategies and underwriting practices, and the current and forecasted direction of the economic and business environment. These metrics include, but are not limited to, loan portfolio mix and growth, unemployment, credit loss trends, delinquency trends, changes in underwriting, and operational risks. The Company selected a PD / LGD model to estimate its base allowance for credit losses, in which the estimated loss is equal to the product of PD and LGD. Historical net finance receivables are tracked over the term of the pools to identify the incidences of loss (PDs) and the average severity of losses (LGDs). To enhance the precision of the allowance for credit loss estimate, the Company evaluates its finance receivable portfolio on a pool basis and segments each pool of finance receivables with similar credit risk characteristics. As part of its evaluation, the Company considers loan portfolio characteristics such as product type, loan size, loan term, internal or external credit scores, delinquency status, geographical location, and vintage. Based on analysis of historical loss experience, the Company selected the following segmentation: product type, FICO score, and delinquency status. As finance receivables are originated, provisions for credit losses are recorded in amounts sufficient to maintain an allowance for credit losses at an adequate level to provide for estimated losses over the contractual life of the finance receivables (considering the effect of prepayments). Subsequent changes to the contractual terms that are a result of re-underwriting are not included in the finance receivable’s contractual life (considering the effect of prepayments). The Company uses its segmentation loss experience to forecast expected credit losses. Historical information about losses generally provides a basis for the estimate of expected credit losses. The Company also considers the need to adjust historical information to reflect the extent to which current conditions differ from the conditions that existed for the period over which historical information was evaluated. These adjustments to historical loss information may be qualitative or quantitative in nature. Reasonable and supportable macroeconomic forecasts are required for the Company’s allowance for credit loss model. The Company engaged a major rating service to assist with compiling a reasonable and supportable forecast. The Company reviews macroeconomic forecasts to use in its allowance for credit losses. The Company adjusts the historical loss experience by relevant qualitative factors for these expectations. The Company does not require reversion adjustments, as the contractual lives of its portfolio are shorter than its available forecast periods. The Company charges credit losses against the allowance for all products when an account reaches 180 days contractually delinquent, subject to certain exceptions. The Company’s customer accounts without a lien on a vehicle in a confirmed bankruptcy are charged off in the month following the bankruptcy notification or at 60 days contractually delinquent, subject to certain exceptions. Deceased borrower accounts are charged off in the month following the proper notification of passing, with the exception of borrowers with credit life insurance. Subsequent recoveries of amounts charged off, if any, are credited to the allowance.
Troubled Debt Restructurings	Troubled Debt Restructurings: Prior to January 1, 2023, the Company classified a finance receivable as a TDR when the Company modified the finance receivable’s contractual terms for economic or other reasons related to the borrower’s financial difficulties and granted a concession that it would not have otherwise considered. Modifications primarily included an interest rate reduction and/or term extension to reduce the borrower’s monthly payment. Once a loan was classified as a TDR, it remained a TDR for the purpose of calculating the allowance for credit losses for the remainder of its contractual term. The Company established its allowance for credit losses related to its TDRs by calculating the present value of all expected cash flows (discounted at the finance receivable’s effective interest rate prior to modification) less the amortized costs of the aggregated pool. The Company used the modified interest rates and certain assumptions, including expected credit losses and recoveries, to estimate the expected cash flows from its TDRs. Following the adoption of ASU 2022-02 on January 1, 2023, as discussed above, the Company no longer separately measures the allowance for credit losses on TDRs, and the impact to the allowance for credit losses of loan modifications made to borrowers experiencing financial difficulties is incorporated into the overall portfolio assessment as further described in the allowance for credit losses significant accounting policy.
Property and equipment	Property and equipment: Leasehold improvements are depreciated over the shorter of their useful lives or the remaining term of the lease. Furniture and equipment are depreciated on the straight-line method over their estimated useful lives, generally five to ten years . Maintenance and repairs are charged to expense as incurred.
Leases	Leases: The Company leases its current headquarters building. Branch offices are leased under non-cancellable leases of three to seven years with renewal options. The Company’s lease liability is based on the present value of the remaining minimum rental payments using a discount rate that is based on the Company’s incremental borrowing rate on its senior revolving credit facility. The Company’s lease asset includes right-of-use assets equaling the lease liability, net of prepaid rent and deferred rents that existed as of the adoption of the current lease accounting standard. The Company assesses its leased assets for impairment when events or changes in circumstances indicate that the carrying value may not be recoverable. If a lease is impaired, the impairment loss is recognized in lease costs and the right-of-use asset is reduced to the impaired value. Lease agreements with terms of twelve months or less are not capitalized as part of lease assets or liabilities and are expensed as incurred. The Company accounts for each separate lease component of a contract and its associated non-lease components as a single lease component for its branch leases. The Company has elected not to apply this policy in relation to the corporate headquarters lease. The Company has also determined that it is reasonably certain that the first option to extend lease contracts will be exercised for new branch locations; therefore, the first option to extend is included in the lease asset and liability calculation.
Restricted cash	Restricted cash: Restricted cash includes cash and cash equivalents for which the Company’s ability to withdraw funds is contractually limited. The Company’s restricted cash consists of cash reserves that are maintained as collateral for potential credit life insurance claims and cash restricted for debt servicing of the Company’s revolving warehouse credit facilities and securitizations.
Restricted available-for-sale investments	Restricted AFS investments: The Company classifies its investments in debt securities that were purchased with the Company’s restricted cash as restricted AFS investments and carries the investments at fair value. Unrealized gains and losses, net of taxes, are excluded from earnings and reported in other comprehensive income or loss until realized. The unrealized gains and losses, net of taxes, are recorded on the consolidated balance sheet in accumulated other comprehensive income or loss in stockholders’ equity. Realized gains and losses from the sale of AFS investments are specifically identified and reclassified from accumulated other comprehensive income or loss and included within earnings on the consolidated statement of income.
Derivative instruments	Derivative instruments: The Company held derivative instruments in the form of interest rate caps for the purpose of mitigating a portion of its exposure to interest rate risk. Derivative instruments are recorded at fair value and included in other assets, with their resulting gains or losses recognized in interest expense. Changes in fair value are reported as an adjustment to net income in computing cash flows from operating activities.
Offsetting assets and liabilities	Offsetting assets and liabilities: GAAP permits entities to present derivative receivables and derivative payables with the same counterparty and the related cash collateral receivables and payables on a net basis on the Consolidated Balance Sheet when a legally enforceable master netting agreement exists. GAAP also permits securities financing activities to be presented on a net basis when specified conditions are met, including the existence of a legally enforceable master netting agreement. The Company has elected to net such balances where it has determined that the specified conditions are met. As of September 30, 2022, the Company no longer held offsetting assets or liabilities.
Income recognition	Income recognition: Interest income is recognized using the interest method (constant yield method). Therefore, the Company recognizes revenue from interest at an equal rate over the term of the loan. Unearned finance charges on pre-compute contracts are rebated to customers utilizing statutory methods, which in many cases is the sum-of-the-years’ digits method. The difference between income recognized under the constant yield method and the statutory method is recognized as an adjustment to interest income at the time of rebate. The Company recognizes income on credit life insurance, credit personal property insurance, and vehicle single interest insurance using the sum-of-the-years’ digits or straight-line methods over the terms of the policies. The Company recognizes income on credit accident and health insurance using the average of the sum-of-the-years’ digits and the straight-line methods over the terms of the policies. The Company recognizes income on credit involuntary unemployment insurance using the straight-line method over the terms of the policies. Rebates are computed using statutory methods, which in many cases match the GAAP method, and where it does not match, the difference between the GAAP method and the statutory method is recognized in income at the time of rebate. Fee income for non-file insurance is recognized using the sum-of-the-years’ digits method over the loan term. Charges for late fees are recognized as income when collected.
Share-based compensation	Share-based compensation: The Company measures compensation cost for share-based awards at estimated fair value and recognizes compensation expense over the service period for awards expected to vest. The Company uses the closing stock price on the date of grant as the fair value of RSAs, performance-contingent RSUs, and service-based RSUs. The fair value of NQSOs is determined using the Black-Scholes valuation model, and the fair value of PRSUs is determined using the Monte Carlo valuation model. The Black-Scholes and Monte Carlo models require the input of assumptions, including expected volatility, expected dividends, expected term, risk-free interest rate, and a discount associated with post-vest holding restrictions, changes to which can affect the fair value estimate. Expected volatility is based on the Company’s historical stock price volatility. Expected dividends are calculated using the expected dividend yield (annualized dividends divided by the grant date stock price). The expected term is calculated by using the simplified method (average of the vesting and original contractual terms) due to insufficient historical data to estimate the expected term. The risk-free rate is based on the zero-coupon U.S. Treasury bond rate over the expected term of the awards. The estimated discount associated with post-vest holding restrictions is calculated using a blend of the Finnerty and Chaffe models. In addition, the estimation of share-based awards that will ultimately vest requires judgment, and to the extent actual results or updated estimates differ from current estimates, such amounts will be recorded as a cumulative adjustment in the period estimates are revised.
Marketing costs	Marketing costs: Marketing costs are expensed as incurred.
Income taxes	Income taxes: The Company records a tax provision for the anticipated tax consequences of its reported operating results. The provision for income taxes is computed using the asset and liability method, under which deferred tax assets and liabilities are recognized for the future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effects of future tax rate changes are recognized in the period when the enactment of new rates occurs. The Company recognizes the financial statement effects of a tax position when it is more likely than not, based on technical merits, the position will be sustained upon examination. The tax benefits of the position recognized in the consolidated financial statements are then measured based on the largest amount of benefit that is greater than 50% likely to be realized upon settlement with a taxing authority. The Company recognizes the tax benefits or deficiencies from the exercise or vesting of share-based awards in the income tax line of the consolidated statements of comprehensive income, in the period of exercise or vesting.
Earnings per share	Earnings per share: Earnings per share have been computed based on dividing net income by the weighted-average number of common shares outstanding during each reporting period presented. Common shares issuable upon the exercise of share-based compensation, which are computed using the treasury stock method, are included in the computation of diluted earnings per share. The Company uses the treasury stock method to calculate the effect of outstanding awards, by computing total employee proceeds as the sum of the amount employees must pay upon exercise of the awards and the amount of unearned share-based compensation costs attributable to future services.

Finance Receivables, Credit Q_2

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Summary of Net Finance Receivables	Net finance receivables for the periods indicated consisted of the following: December 31, Dollars in thousands 2024 2023 Large loans $ 1,336,780 $ 1,274,137 Small loans 554,686 493,473 Retail loans 1,069 3,800 Total $ 1,892,535 $ 1,771,410
Summary of Financing Receivable Credit Quality Indicators	Net finance receivables by product, FICO band at origination, and origination year as of December 31, 2024 are as follows: Net Finance Receivables by Origination Year Dollars in thousands 2024 2023 2022 2021 2020 Prior Total Net Finance Receivables Large Loans: FICO Band 1 $ 86,776 $ 37,750 $ 12,457 $ 3,950 $ 793 $ 373 $ 142,099 2 55,211 19,464 6,171 1,602 173 92 82,713 3 90,642 35,777 16,579 4,224 339 59 147,620 4 125,867 52,564 25,521 6,140 570 100 210,762 5 137,243 58,604 28,564 8,148 784 36 233,379 6 300,714 140,149 62,303 15,514 1,464 63 520,207 Total $ 796,453 $ 344,308 $ 151,595 $ 39,578 $ 4,123 $ 723 $ 1,336,780 Small Loans: FICO Band 1 $ 67,809 $ 11,905 $ 1,737 $ 257 $ 40 $ 26 $ 81,774 2 32,851 5,799 689 59 4 2 39,404 3 52,846 9,456 873 49 4 1 63,229 4 67,200 12,903 924 39 5 5 81,076 5 75,458 16,882 1,313 22 3 3 93,681 6 160,551 32,671 2,263 29 5 3 195,522 Total $ 456,715 $ 89,616 $ 7,799 $ 455 $ 61 $ 40 $ 554,686 Retail Loans: FICO Band 1 $ — $ — $ — $ — $ — $ 2 $ 2 2 — — 66 2 — — 68 3 — — 188 27 — 1 216 4 — — 237 55 4 2 298 5 — — 187 47 — — 234 6 — — 199 51 — 1 251 Total $ — $ — $ 877 $ 182 $ 4 $ 6 $ 1,069 Total Loans: FICO Band 1 $ 154,585 $ 49,655 $ 14,194 $ 4,207 $ 833 $ 401 $ 223,875 2 88,062 25,263 6,926 1,663 177 94 122,185 3 143,488 45,233 17,640 4,300 343 61 211,065 4 193,067 65,467 26,682 6,234 579 107 292,136 5 212,701 75,486 30,064 8,217 787 39 327,294 6 461,265 172,820 64,765 15,594 1,469 67 715,980 Total $ 1,253,168 $ 433,924 $ 160,271 $ 40,215 $ 4,188 $ 769 $ 1,892,535 Net finance receivables by product, FICO band, and origination year as of December 31, 2023 are as follows: Net Finance Receivables by Origination Year Dollars in thousands 2023 2022 2021 2020 2019 Prior Total Net Finance Receivables Large Loans: FICO Band 1 $ 83,107 $ 28,068 $ 9,542 $ 2,510 $ 980 $ 347 $ 124,554 2 46,855 16,964 5,342 1,077 309 83 70,630 3 86,191 45,778 14,999 2,201 316 66 149,551 4 120,054 65,753 20,712 3,481 592 55 210,647 5 128,901 69,706 23,779 4,043 496 22 226,947 6 291,795 144,663 46,630 7,936 732 52 491,808 Total $ 756,903 $ 370,932 $ 121,004 $ 21,248 $ 3,425 $ 625 $ 1,274,137 Small Loans: FICO Band 1 $ 64,664 $ 10,459 $ 1,625 $ 172 $ 68 $ 18 $ 77,006 2 31,289 5,886 724 36 11 9 37,955 3 51,222 8,099 717 31 6 1 60,076 4 65,743 10,074 679 19 10 3 76,528 5 74,207 13,838 632 14 4 1 88,696 6 126,400 25,679 1,111 15 5 2 153,212 Total $ 413,525 $ 74,035 $ 5,488 $ 287 $ 104 $ 34 $ 493,473 Retail Loans: FICO Band 1 $ 1 $ — $ 2 $ 1 $ 1 $ 5 $ 10 2 — 213 30 — — — 243 3 — 634 211 3 1 1 850 4 — 650 352 36 — 4 1,042 5 — 508 278 24 — 4 814 6 — 524 286 28 2 1 841 Total $ 1 $ 2,529 $ 1,159 $ 92 $ 4 $ 15 $ 3,800 Total Loans: FICO Band 1 $ 147,772 $ 38,527 $ 11,169 $ 2,683 $ 1,049 $ 370 $ 201,570 2 78,144 23,063 6,096 1,113 320 92 108,828 3 137,413 54,511 15,927 2,235 323 68 210,477 4 185,797 76,477 21,743 3,536 602 62 288,217 5 203,108 84,052 24,689 4,081 500 27 316,457 6 418,195 170,866 48,027 7,979 739 55 645,861 Total $ 1,170,429 $ 447,496 $ 127,651 $ 21,627 $ 3,533 $ 674 $ 1,771,410 Credit losses by product and origination year for the periods indicated are as follows: Year Ended December 31, 2024 Dollars in thousands 2024 2023 2022 2021 2020 Prior Total Credit Losses Large loans $ 9,699 $ 67,711 $ 39,070 $ 11,197 $ 1,541 $ 474 $ 129,692 Small loans 13,156 55,584 11,316 822 42 33 80,953 Retail loans — — 441 232 14 10 697 Total $ 22,855 $ 123,295 $ 50,827 $ 12,251 $ 1,597 $ 517 $ 211,342 Year Ended December 31, 2023 Dollars in thousands 2023 2022 2021 2020 2019 Prior Total Credit Losses Large loans $ 14,529 $ 78,938 $ 33,616 $ 5,116 $ 1,465 $ 254 $ 133,918 Small loans 14,484 60,298 10,244 599 60 7 85,692 Retail loans — 776 431 88 24 4 1,323 Total $ 29,013 $ 140,012 $ 44,291 $ 5,803 $ 1,549 $ 265 $ 220,933
Amortized Cost Basis in Past-Due Loans	The contractual delinquency of the net finance receivable portfolio by product and aging for the periods indicated are as follows: December 31, 2024 Large Small Retail Total Dollars in thousands $ % $ % $ % $ % Current $ 1,139,070 85.2 % $ 450,603 81.2 % $ 708 66.2 % $ 1,590,381 84.0 % 1 to 29 days past due 109,656 8.2 % 46,488 8.4 % 168 15.7 % 156,312 8.3 % Delinquent accounts: 30 to 59 days 22,909 1.7 % 13,998 2.5 % 41 3.9 % 36,948 1.9 % 60 to 89 days 21,493 1.6 % 13,699 2.5 % 50 4.7 % 35,242 1.9 % 90 to 119 days 16,609 1.3 % 11,443 2.1 % 33 3.1 % 28,085 1.5 % 120 to 149 days 14,357 1.1 % 9,602 1.7 % 28 2.6 % 23,987 1.3 % 150 to 179 days 12,686 0.9 % 8,853 1.6 % 41 3.8 % 21,580 1.1 % Total delinquency $ 88,054 6.6 % $ 57,595 10.4 % $ 193 18.1 % $ 145,842 7.7 % Total net finance receivables $ 1,336,780 100.0 % $ 554,686 100.0 % $ 1,069 100.0 % $ 1,892,535 100.0 % Net finance receivables in nonaccrual status $ 54,228 4.1 % $ 34,465 6.2 % $ 137 12.8 % $ 88,830 4.7 % December 31, 2023 Large Small Retail Total Dollars in thousands $ % $ % $ % $ % Current $ 1,084,518 85.1 % $ 406,203 82.4 % $ 2,620 69.0 % $ 1,493,341 84.3 % 1 to 29 days past due 109,483 8.6 % 45,119 9.1 % 594 15.6 % 155,196 8.8 % Delinquent accounts: 30 to 59 days 22,587 1.7 % 12,053 2.4 % 116 3.1 % 34,756 1.9 % 60 to 89 days 19,844 1.6 % 11,253 2.3 % 115 3.0 % 31,212 1.8 % 90 to 119 days 16,951 1.3 % 10,030 2.0 % 126 3.2 % 27,107 1.5 % 120 to 149 days 10,938 0.9 % 4,247 0.9 % 132 3.5 % 15,317 0.9 % 150 to 179 days 9,816 0.8 % 4,568 0.9 % 97 2.6 % 14,481 0.8 % Total delinquency $ 80,136 6.3 % $ 42,151 8.5 % $ 586 15.4 % $ 122,873 6.9 % Total net finance receivables $ 1,274,137 100.0 % $ 493,473 100.0 % $ 3,800 100.0 % $ 1,771,410 100.0 % Net finance receivables in nonaccrual status $ 44,627 3.5 % $ 21,850 4.4 % $ 394 10.4 % $ 66,871 3.8 %
Reconciliations of Allowance for Credit Losses	The following are reconciliations of the allowance for credit losses by product for the periods indicated: As of and for the Year Ended December 31, 2024 Dollars in thousands Large Small Retail Total Beginning balance $ 127,992 $ 58,736 $ 672 $ 187,400 Provision for credit losses 128,190 83,861 149 212,200 Credit losses ( 129,692 ) ( 80,953 ) ( 697 ) ( 211,342 ) Recoveries 7,016 4,182 44 11,242 Ending balance $ 133,506 $ 65,826 $ 168 $ 199,500 Net finance receivables $ 1,336,780 $ 554,686 $ 1,069 $ 1,892,535 Allowance as percentage of net finance receivables 10.0 % 11.9 % 15.7 % 10.5 % As of and for the Year Ended December 31, 2023 Dollars in thousands Large Small Retail Total Beginning balance $ 119,592 $ 57,915 $ 1,293 $ 178,800 Provision for credit losses 136,638 82,745 651 220,034 Credit losses ( 133,918 ) ( 85,692 ) ( 1,323 ) ( 220,933 ) Recoveries 5,680 3,768 51 9,499 Ending balance $ 127,992 $ 58,736 $ 672 $ 187,400 Net finance receivables $ 1,274,137 $ 493,473 $ 3,800 $ 1,771,410 Allowance as percentage of net finance receivables 10.0 % 11.9 % 17.7 % 10.6 % As of and for the Year Ended December 31, 2022 Dollars in thousands Large Small Retail Total Beginning balance $ 96,494 $ 61,294 $ 1,512 $ 159,300 Provision for credit losses 106,925 76,513 1,677 185,115 Credit losses ( 87,236 ) ( 82,842 ) ( 1,985 ) ( 172,063 ) Recoveries 3,409 2,950 89 6,448 Ending balance $ 119,592 $ 57,915 $ 1,293 $ 178,800 Net finance receivables $ 1,208,185 $ 481,605 $ 9,603 $ 1,699,393 Allowance as percentage of net finance receivables 9.9 % 12.0 % 13.5 % 10.5 %
Modifications Made to Borrowers Experiencing Financial Difficulty	The information relating to modifications made to borrowers experiencing financial difficulty and their related percentage of applicable net finance receivables for the periods indicated are as follows: As of and for the Year Ended December 31, 2024 Large Small Total Dollars in thousands $ % $ % $ % Interest rate reduction & term extension $ 9,155 0.8 % $ 1,446 0.2 % $ 10,601 0.6 % Term extension 1,792 0.1 % 386 0.1 % 2,178 0.1 % Interest rate reduction 5,729 0.4 % 2,545 0.5 % 8,274 0.4 % Principal forgiveness, interest rate reduction, & term extension 586 — 28 — 614 — Total $ 17,262 1.3 % $ 4,405 0.8 % $ 21,667 1.1 % As of and for the Year Ended December 31, 2023 Large Small Total Dollars in thousands $ % $ % $ % Interest rate reduction & term extension $ 12,687 1.0 % 2,112 0.4 % $ 14,799 0.8 % Principal forgiveness, interest rate reduction, & term extension 288 — 37 — 325 — Term extension 930 0.1 % 346 0.1 % 1,276 0.1 % Total $ 13,905 1.1 % $ 2,495 0.5 % $ 16,400 0.9 %
Summary of Financial Effects of Borrowers Experiencing Financial Difficulty	The financial effects of the modifications made to borrowers experiencing financial difficulty for the periods indicated are as follows: Year Ended December 31, 2024 Loan Modification Product Financial Effect Principal forgiveness Large loans Reduced the amortized cost basis of the loans by $ 1.3 million. Small loans Reduced the amortized cost basis of the loans by $ 0.5 million. Interest rate reduction Large loans Reduced the weighted-average contractual interest rate by 12.6 %. Small loans Reduced the weighted-average contractual interest rate by 24.4 %. Term extension Large loans Added a weighted-average 1.5 years to the life of loans. Small loans Added a weighted-average 1.4 years to the life of loans. Year Ended December 31, 2023 Loan Modification Product Financial Effect Principal forgiveness Large loans Reduced the amortized cost basis of the loans by $ 1.0 million. Small loans Reduced the amortized cost basis of the loans by $ 0.5 million. Interest rate reduction Large loans Reduced the weighted-average contractual interest rate by 10.7 %. Small loans Reduced the weighted-average contractual interest rate by 13.6 %. Term extension Large loans Added a weighted-average 1.5 years to the life of loans. Small loans Added a weighted-average 1.4 years to the life of loans.
Summary of Amortized Cost Basis for Modifications Made to Borrowers Experiencing Financial Difficulty Subsequently Defaulted	The following tables provide the amortized cost basis for modifications made to borrowers experiencing financial difficulty within the previous twelve months that subsequently defaulted. The Company defines payment default as 90 days past due for this disclosure. The respective amounts for each modification for the periods indicated are as follows: As of and for the Year Ended December 31, 2024 Dollars in thousands Large Small Total Interest rate reduction & term extension $ 1,608 $ 319 $ 1,927 Term extension 231 52 283 Interest rate reduction 858 280 1,138 Principal forgiveness, interest rate reduction, & term extension 30 6 36 Total $ 2,727 $ 657 $ 3,384 As of and for the Year Ended December 31, 2023 Dollars in thousands Large Small Total Interest rate reduction & term extension $ 1,334 $ 248 $ 1,582 Term extension 27 3 30 Principal forgiveness, interest rate reduction, & term extension 16 3 19 Total $ 1,377 $ 254 $ 1,631
Summary of Contractual Delinquencies of Loans	The contractual delinquencies of loans that were modified to borrowers experiencing financial difficulty within the previous twelve months for the periods indicated are as follows: December 31, 2024 Dollars in thousands Large Small Total Current $ 13,207 $ 3,138 $ 16,345 30 - 89 days past due 2,410 799 3,209 90+ days past due 1,645 468 2,113 Total (1) $ 17,262 $ 4,405 $ 21,667 (1) Excludes modified finance receivables that subsequently charged off of $ 1.4 million and $ 0.2 million in large and small loans, respectively . December 31, 2023 Dollars in thousands Large Small Total Current $ 11,289 $ 1,993 $ 13,282 30 - 89 days past due 1,691 325 2,016 90+ days past due 925 177 1,102 Total (1) $ 13,905 $ 2,495 $ 16,400 (1) Excludes modified finance receivables that subsequently charged off of $ 1.8 million and $ 0.4 million in large and small loans, respectively.
Summary of Net Finance Receivables Modified and Classified as TDRs	The following table provides the number and amount of net finance receivables modified and classified as TDRs during the period presented: Year Ended December 31, 2022 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Large loans $ 3,554 $ 20,537 Small loans 3,651 6,920 Retail loans 15 37 Total $ 7,220 $ 27,494 (1) Represents the post-modification net finance receivables balance of loans that have been modified during the period and resulted in a TDR.
Summary of TDR Finance Receivables that Subsequently Defaulted	The following table provides the number of accounts and amortized cost basis of finance receivables that subsequently defaulted within the periods indicated (that were modified as a TDR in the preceding 12 months). The Company defines payment default as 90 days past due for this disclosure. The respective amounts and activity for the period indicated is as follows: Year Ended December 31, 2022 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Large loans 1,307 $ 7,704 Small loans 1,365 2,712 Retail loans 6 16 Total 2,678 $ 10,432 (1) Only includes defaults occurring within 12 months of a loan being designated as a TDR. Represents the corresponding balance of TDR net finance receivables at the end of the month in which they defaulted.

Restricted Available-for-Sale_2

Restricted Available-for-Sale Investments (Tables)	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Reconciliation of Restricted AFS Investments	December 31, 2024 Dollars in thousands Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Restricted investments $ 21,633 $ 92 $ ( 13 ) $ 21,712 December 31, 2023 Dollars in thousands Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Restricted investments $ 23,211 $ 1 $ ( 472 ) $ 22,740
Summary of Gross Unrealized Losses And Estimated Fair Values of Restricted AFS Investments	December 31, 2024 Less than 12 Months 12 Months or Longer Total Dollars in thousands Estimated Fair Value Gross Unrealized Losses Estimated Fair Value Gross Unrealized Losses Estimated Fair Value Gross Unrealized Losses Restricted investments $ 2,205 $ ( 13 ) $ — $ — $ 2,205 $ ( 13 ) December 31, 2023 Less than 12 Months 12 Months or Longer Total Dollars in thousands Estimated Fair Value Gross Unrealized Losses Estimated Fair Value Gross Unrealized Losses Estimated Fair Value Gross Unrealized Losses Restricted investments $ — $ — $ 18,633 $ ( 472 ) $ 18,633 $ ( 472 )
Summary of Amortized Cost And Estimated Fair Values of Restricted AFS Investments by Contractual Maturity	The following tables include the amortized cost and estimated fair values of restricted AFS investments by contractual maturity as of the period indicated: December 31, 2024 Dollars in thousands Amortized Cost Estimated Fair Value Due in one year $ 19,415 $ 19,507 Due within one year to five years 2,218 2,205 Due within five years to ten years — — Due after ten years — — Total $ 21,633 $ 21,712

Property and Equipment (Tables)

Property and Equipment (Tables)	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Summary of Property and Equipment	For the periods indicated, property and equipment consisted of the following: December 31, Dollars in thousands 2024 2023 Furniture, fixtures, and equipment $ 28,285 $ 27,228 Leasehold improvements 18,033 16,880 Property and equipment cost 46,318 44,108 Less accumulated depreciation 32,641 30,321 Property and equipment, net $ 13,677 $ 13,787

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Future Minimum Lease Payments on Lease Liabilities	Future minimum lease payments on the Company’s lease liabilities are as follows: Dollars in thousands December 31, 2024 2025 $ 11,001 2026 10,516 2027 8,369 2028 5,691 2029 4,214 Thereafter 7,938 Total 47,729 Present value adjustment ( 7,150 ) Lease liability $ 40,579
Summary of Operating and Short-Term Lease Expenses	The Company’s operating and short-term lease expenses are presented below: Year Ended December 31, Dollars in thousands 2024 2023 2022 Operating leases $ 11,526 $ 10,587 $ 9,457 Short-term leases 221 447 745 Total $ 11,747 $ 11,034 $ 10,202
Summary of Weighted-average Remaining Lease Term and Discount Rate	The Company’s weighted-average remaining lease term and discount rate for the periods indicated are as follows: December 31, 2024 December 31, 2023 Weighted-average remaining lease term (in years) 5.1 5.5 Weighted-average discount rate 6.2 % 5.7 %

Intangible Assets (Tables)

Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Summary of Gross Carrying Amount and Related Accumulated Amortization of Intangible Assets	The following table provides the gross carrying amount and related accumulated amortization of intangible assets for the periods indicated: December 31, 2024 December 31, 2023 Dollars in thousands Gross Carrying Amount Accumulated Amortization Net Carrying Amount Gross Carrying Amount Accumulated Amortization Net Carrying Amount Software $ 43,869 $ ( 20,061 ) $ 23,808 $ 30,825 $ ( 15,695 ) $ 15,130 Other 950 ( 234 ) 716 950 ( 234 ) 716 Total $ 44,819 $ ( 20,295 ) $ 24,524 $ 31,775 $ ( 15,929 ) $ 15,846
Summary of Future Amortization of Intangible Assets	Intangible amortization expense for the years ended December 31, 2024, 2023, and 2022 totaled $ 4.4 million , $ 3.7 million , and $ 2.9 million , respectively. As of December 31, 2024, the Company’s weighted-average amortization period for software was 6.0 years. The following table sets forth the future amortization of software: Dollars in thousands Amount 2025 $ 5,186 2026 5,189 2027 4,033 2028 3,289 2029 2,599 Thereafter 3,512 Total $ 23,808

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Dec. 31, 2024
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Summary of Other Assets	Other assets include the following as of the periods indicated: December 31, Dollars in thousands 2024 2023 Prepaid expenses $ 8,690 $ 9,661 Credit insurance receivable 2,840 2,759 Card payments receivable 2,587 5,666 Warehouse credit facilities debt issue costs 2,236 2,362 Income tax receivable 1,708 7,260 Other 2,805 1,711 Total $ 20,866 $ 29,419

Interest Rate Caps (Tables)

Interest Rate Caps (Tables)	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Summary of Changes in Fair Value of Interest Rate Caps	The following is a summary of changes in fair value of the interest rate caps for the periods indicated: As of and for the Years Ended December 31 Dollars in thousands 2024 2023 2022 Beginning balance $ — $ — $ 6,586 Purchases — — — Sales — — ( 19,720 ) Fair value adjustment included as a decrease in interest expense — — 13,134 Ending balance $ — $ — $ —

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	12 Months Ended
	Dec. 31, 2024
Variable Interest Entities [Abstract]
Summary of Presents the Assets and Liabilities	The following table presents the assets and liabilities of our consolidated VIEs: 2024 2023 Assets Cash $ 378 $ 378 Net finance receivables 1,317,604 1,278,568 Allowance for credit losses ( 136,850 ) ( 133,207 ) Restricted cash 130,970 123,899 Other assets 3,078 2,880 Total assets $ 1,315,180 $ 1,272,518 Liabilities Net debt 1,253,096 1,200,380 Accounts payable and accrued expenses 19 218 Total liabilities $ 1,253,115 $ 1,200,598

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Summary of the Company's Debt	The following is a summary of the Company’s debt as of the periods indicated: December 31, 2024 December 31, 2023 Dollars in thousands Debt Unamortized Debt Issuance Costs (1) Net Debt Debt Unamortized Debt Issuance Costs (1) Net Debt Revolving credit facilities $ 315,904 $ ( 437 ) $ 315,467 $ 245,546 $ ( 606 ) $ 244,940 Securitizations 1,162,432 ( 5,901 ) 1,156,531 1,154,268 ( 3,972 ) 1,150,296 Total $ 1,478,336 $ ( 6,338 ) $ 1,471,998 $ 1,399,814 $ ( 4,578 ) $ 1,395,236 Unused amount of revolving credit facilities (subject to borrowing base) $ 466,164 $ 551,508 (1) Unamortized debt issuance costs related to the revolving warehouse credit facilities are presented within other assets in the consolidated balance sheets. These credit facilities had $ 2.2 million and $ 2.4 million in such costs as of December 31, 2024 and December 31, 2023 , respectively.
Summary of Company's Credit Facilities	The following table includes the key terms under each of the Company’s revolving credit facilities as of December 31, 2024: Dollars in thousands Total Credit Facility Debt Balance Restricted Cash Reserves Advance Rate Cap Current Advance Rate Unused Commitment Fee Revolving Period End Date Maturity Date Senior (1) $ 355,000 $ 219,339 $ — 83 % 75 % 0.5 % - 1.0 % N/A Sep 2025 RMR IV warehouse 125,000 4,792 61 79 % 79 % 0.4 % - 0.7 % May 2025 May 2026 RMR V warehouse (2) 100,000 52,307 325 80 % 80 % 0.4 % - 0.7 % Nov 2026 Nov 2027 RMR VI warehouse (3) (4) 75,000 2,443 32 75 % 75 % 0.5 % Feb 2025 Feb 2026 RMR VII warehouse (5) 125,000 37,023 242 76 % 76 % 0.4 % - 0.7 % N/A Oct 2026 Total $ 780,000 $ 315,904 $ 660 (1) In February 2024, the Company amended its senior revolving credit facility to, among other things, reduce the availability under the facility from $ 420 million to $ 355 million and extend the maturity date to September 2025 . (2) Following a November 2024 amendment, the revolving period end date is now November 2026 (previously November 2024 ). (3) Following a March 2024 amendment, advances on the facility are capped at 75 % of eligible finance receivables (previously 80 %). (4) See Note 21, “Subsequent Events,” for information regarding the amendment of this facility following the end of the fiscal year. (5) In October 2024, the Company amended its RMR VII warehouse credit facility to, among other things, (i) increase the credit facility to $ 125 million (previously $ 75 million); (ii) decrease the advance rate cap to 76 % (previously 80 %); (iii) extend the scheduled commitment termination date to October 2026 (previously October 2024 ); and (iv) align the legal final maturity date and scheduled commitment termination date (previously the revolving period end date). Borrowings under the revolving credit facilities bear interest, payable monthly, at a rate equal to the sum of any applicable floor, benchmark adjustment, margin, and the market rate of each respective rate type that was effective as of December 31, 2024 (as follows): Floor Benchmark Adjustment Margin Rate Type Effective Interest Rate Senior 0.5 % 0.1 % 3.0 % 1-month SOFR 7.7 % RMR IV warehouse — 0.1 % 2.8 % 1-month SOFR 7.5 % RMR V warehouse — — 2.1 % Conduit 6.9 % RMR VI warehouse — 0.1 % 2.5 % 1-month SOFR 7.2 % RMR VII warehouse (1) — — 2.4 % 1-month SOFR 7.0 % (1) Following an October 2024 amendment, the margin was reduced to 2.40 % (previously 3.00 %).
Summary Of Company's securitizations	The following table includes the key terms under each of the Company’s securitizations as of December 31, 2024: Dollars in thousands Issue Date Issue Amount Debt Balance Restricted Cash Reserves Effective Interest Rate Revolving Period End Date Maturity Date RMIT 2020-1 Sep 2020 $ 180,000 $ 46,769 $ 1,875 4.3 % Sep 2023 Oct 2030 RMIT 2021-1 Feb 2021 248,700 101,550 2,604 2.7 % Feb 2024 Mar 2031 RMIT 2021-2 Jul 2021 200,000 200,191 2,083 2.3 % Jul 2026 Aug 2033 RMIT 2021-3 Oct 2021 125,000 125,202 1,471 3.9 % Sep 2026 Oct 2033 RMIT 2022-1 Feb 2022 250,000 250,374 2,646 3.6 % Feb 2025 Mar 2032 RMIT 2024-1 (1) Jun 2024 187,305 187,788 1,078 6.2 % May 2027 Jul 2036 RMIT 2024-2 (2) Nov 2024 250,000 250,558 1,418 5.3 % Nov 2026 Dec 2033 Total $ 1,441,005 $ 1,162,432 $ 13,175 (1) In June 2024, the Company, its SPE, RMR III, and the Company’s indirect SPE, RMIT 2024-1, completed a private offering and sale of $ 187 million of asset-backed notes. The transaction consisted of the issuance of four classes of fixed-rate, asset-backed notes by RMIT 2024-1. The asset-backed notes are secured by finance receivables and other related assets that RMR III purchased from the Company, which RMR III then sold and transferred to RMIT 2024-1. Prior to maturity in July 2036, the Company may redeem the notes in full, but not in part, at its option on any note payment date on or after the payment date occurring in June 2027. No payments of principal of the notes will be made during the revolving period. (2) In November 2024, the Company, its SPE, RMR III, and the Company’s indirect SPE, RMIT 2024-2, completed a private offering and sale of $ 250 million of asset-backed notes. The transaction consisted of the issuance of four classes of fixed-rate, asset-backed notes by RMIT 2024-1. The asset-backed notes are secured by finance receivables and other related assets that RMR III purchased from the Company, which RMR III then sold and transferred to RMIT 2024-1. Prior to maturity in December 2033, the Company may redeem the notes in full, but not in part, at its option on any note payment date on or after the payment date occurring in December 2026. No payments of principal of the notes will be made during the revolving period.
Summary of Estimated Principal Payments Required on Outstanding Debt	The following is a summary of estimated future principal payments required on outstanding debt: Dollars in thousands Amount 2025 $ 466,626 2026 285,124 2027 499,389 2028 196,828 2029 26,296 Thereafter — Total $ 1,474,263

Stockholders' Equity (Tables)

Stockholders' Equity (Tables)	12 Months Ended
	Dec. 31, 2024
Stockholders' Equity Note [Abstract]
Schedule of Repurchased Shares of Common Stock	Year Ended December 31, Dollars in thousands, except per share amounts 2024 2023 2022 Common stock repurchased 105 — 437 Weighted-average cost per share $ 33.86 $ — $ 47.14 Total cost of common stock repurchased $ 3,540 $ — $ 20,613
Schedule of Dividends Declared Per Share of Common Stock	The following table presents the dividends declared per share of common stock for the periods indicated: Year Ended December 31, 2024 2023 2022 Dividends declared per common share $ 1.20 $ 1.20 $ 1.20

Disclosure About Fair Value o_2

Disclosure About Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2024
Carrying Amount and Estimated Fair Values of Company's Financial Instruments	The following table includes the carrying amounts and estimated fair values of financial assets and liabilities disclosed but not carried at fair value: December 31, 2024 December 31, 2023 Dollars in thousands Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Assets Level 1 Cash $ 3,951 $ 3,951 $ 4,509 $ 4,509 Restricted cash 131,684 131,684 124,164 124,164 Level 3 Net finance receivables, less unearned insurance 1,644,967 1,695,325 1,536,118 1,603,737 Liabilities Level 3 Debt 1,478,336 1,428,607 1,399,814 1,308,349
Fair Value, Recurring
Carrying Amount and Estimated Fair Values of Company's Financial Instruments	The following table includes the carrying amounts and estimated fair values of amounts the Company measures at fair value on a recurring basis: December 31, 2024 December 31, 2023 Dollars in thousands Carrying Estimated Carrying Estimated Assets Level 2 Restricted AFS investments 21,712 21,712 22,740 22,740

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Income Tax Expense Attributable to Total Income Before Income Taxes	Income tax expense attributable to total income before income taxes consists of the following for the periods indicated: Year Ended December 31, Dollars in thousands 2024 2023 2022 Current: Federal $ 7,886 $ 3,567 $ 7,383 State and local 724 1,146 1,948 8,610 4,713 9,331 Deferred: Federal 3,821 289 5,247 State and local 417 ( 177 ) ( 481 ) 4,238 112 4,766 Total $ 12,848 $ 4,825 $ 14,097
Schedule of Effective Income Tax Reconciliation	Income tax expense differed from the amount computed by applying the federal income tax rate to total income before income taxes as a result of the following: Year Ended December 31, 2024 2023 2022 Dollars in thousands $ % $ % $ % Federal tax expense at statutory rate $ 11,356 21.0 % $ 4,364 21.0 % $ 13,717 21.0 % Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 1,124 2.1 % 882 4.2 % 1,134 1.7 % Non-deductible compensation 1,334 2.5 % 1,021 4.9 % 627 1.0 % Excess tax (benefits) deficiencies from share-based awards ( 67 ) ( 0.1 )% 301 1.4 % ( 344 ) ( 0.5 )% Research and development ( 859 ) ( 1.6 )% ( 1,459 ) ( 7.0 )% ( 1,222 ) ( 1.9 )% Other ( 40 ) ( 0.1 )% ( 284 ) ( 1.3 )% 185 0.3 % Total $ 12,848 23.8 % $ 4,825 23.2 % $ 14,097 21.6 %
Schedule of Net Deferred Tax Assets and Liabilities	Net deferred tax assets and liabilities consist of the following as of the periods indicated: December 31, Dollars in thousands 2024 2023 Deferred tax assets: Allowance for credit losses $ 47,296 $ 44,200 Lease liability 9,716 8,711 Unearned insurance commissions 7,760 7,729 Research and experimental expenditures 4,408 4,100 Share-based compensation 3,011 2,870 Accrued expenses 2,444 2,542 State net operating loss carryforward 1,638 1,548 Unearned premium reserves 234 225 Other 59 134 Deferred tax assets 76,566 72,059 Deferred tax liabilities: Fair market value adjustment of net finance receivables 49,942 42,713 Lease assets 9,207 8,173 Deferred loan costs 4,162 3,658 Depreciation and software amortization 2,580 2,353 Prepaid expenses 1,305 1,521 Other 84 — Deferred tax liabilities 67,280 58,418 Deferred tax assets, net $ 9,286 $ 13,641
Schedule of Unrecognized Tax Positions Reconciliation	The following schedule reconciles unrecognized tax positions for the periods indicated: As of and for the Years Ended December 31, Dollars in thousands 2024 2023 2022 Beginning balance $ 733 $ 414 $ — Additions based on tax positions related to the current year 247 268 233 Additions for tax positions of prior years 4 51 181 Ending balance $ 984 $ 733 $ 414

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings Per Share	The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated: Year Ended December 31, Dollars in thousands, except per share amounts 2024 2023 2022 Numerator: Net income $ 41,227 $ 15,958 $ 51,224 Denominator: Weighted-average shares outstanding for basic earnings per share 9,640 9,398 9,296 Effect of dilutive securities 317 195 360 Weighted-average shares adjusted for dilutive securities 9,957 9,593 9,656 Earnings per share: Basic $ 4.28 $ 1.70 $ 5.51 Diluted $ 4.14 $ 1.66 $ 5.30

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
Summary of Company's Stock Option Plan Activity	The following table summarizes the stock option activity for the year ended December 31, 2024: Dollars in thousands, except per share amounts Number of Weighted-Average Exercise Price Weighted-Average Remaining Contractual Life (Years) Aggregate Intrinsic Value Options outstanding at January 1, 2024 509 $ 23.32 Granted — — Exercised ( 65 ) 21.06 Forfeited — — Expired — — Options outstanding at December 31, 2024 444 $ 23.65 4.4 $ 4,584 Options exercisable at December 31, 2024 444 $ 23.65 4.4 $ 4,584
Summary of Additional Stock Option Information	The following table provides additional stock option information for the periods indicated: Year Ended December 31, Dollars in thousands, except per share amounts 2024 2023 2022 Weighted-average grant date fair value per share $ — $ — $ — Intrinsic value of options exercised $ 718 $ 277 $ 2,142 Fair value of stock options that vested $ — $ 544 $ 849
Award Grant Fair Value Assumptions	The following are the weighted-average assumptions for the PRSU grants for the periods indicated: Year Ended December 31, 2024 2023 2022 Expected volatility 42.48 % 40.18 % 39.24 % Expected dividends 2.30 % 2.24 % — Risk-free rate 5.21 % 5.21 % 1.05 % Discount for post-vesting restrictions 9.19 % 8.48 % 11.93 %
Summary of PRSU Activity	The following table summarizes PRSU activity for the year ended December 31, 2024: Dollars and units in thousands, except per unit amounts Units Weighted-Average Non-vested units at January 1, 2024 175 $ 39.94 Granted 136 26.21 Achieved performance adjustment — — Vested — — Forfeited — — Non-vested units at December 31, 2024 311 $ 33.93
Summary of Additional PRSU Information	The following table provides additional PRSU information for the periods indicated: Year Ended December 31, Dollars in thousands, except per unit amounts 2024 2023 2022 Weighted-average grant date fair value per unit $ 26.21 $ 32.40 $ 52.07 Fair value of PRSUs that vested $ — $ — $ —
Summary of Performance-contingent Restricted Stock Units Activity	The following table summarizes performance-contingent RSU activity for the year ended December 31, 2024: Dollars in thousands, except per unit amounts Units Weighted-Average Grant Date Fair Value Per Unit Non-vested units at January 1, 2024 45 $ 30.22 Granted (target) — — Achieved performance adjustment — — Vested ( 45 ) 30.22 Forfeited — — Non-vested units at December 31, 2024 — $ —
Summary of Additional Performance-contingent Restricted Stock Units Information	The following table provides additional performance-contingent RSU information for the periods indicated: Year Ended December 31, Dollars in thousands, except per unit amounts 2024 2023 2022 Weighted-average grant date fair value per unit $ — $ — $ — Fair value of RSUs that vested $ 1,371 $ 1,445 $ 513
Summary of Service-based RSU Activity	The following table summarizes service-based RSU activity for the year ended December 31, 2024: Dollars and units in thousands, except per unit amounts Units Weighted-Average Non-vested units at January 1, 2024 — $ — Granted (target) 53 28.20 Vested ( 18 ) 28.20 Forfeited — — Non-vested units at December 31, 2024 35 $ 28.20
Summary of Additional Service-based RSU Information	The following table provides additional service-based RSU information for the periods indicated: Year Ended December 31, Dollars in thousands, except per unit amounts 2024 2023 2022 Weighted-average grant date fair value per unit $ 28.20 $ — $ — Fair value of RSUs that vested $ 500 $ — $ —
Summary of RSA Activity	The following table summarizes RSA activity for the year ended December 31, 2024: Dollars in thousands, except per share amounts Shares Weighted-Average Grant Date Fair Value Per Share Non-vested shares at January 1, 2024 190 $ 35.89 Granted 372 28.52 Vested ( 217 ) 34.36 Forfeited ( 11 ) 31.83 Non-vested shares at December 31, 2024 334 $ 28.80
Summary of Additional RSA Information	The following table provides additional RSA information for the periods indicated: Year Ended December 31, Dollars in thousands, except per share amounts 2024 2023 2022 Weighted-average grant date fair value per share $ 28.52 $ 34.25 $ 40.76 Fair value of RSAs that vested $ 7,467 $ 8,787 $ 7,274

Insurance Products and Reinsu_2

Insurance Products and Reinsurance of Certain Risks (Tables)	12 Months Ended
	Dec. 31, 2024
Insurance [Abstract]
Schedule of Components of Insurance Income, Net	The following table summarizes the components of insurance income, net for the periods indicated: Insurance Premiums and Direct Expenses Dollars in thousands 2024 2023 2022 Earned premiums $ 57,312 $ 59,830 $ 60,190 Claims, reserves, and certain direct expenses ( 16,617 ) ( 15,301 ) ( 16,688 ) Insurance income, net $ 40,695 $ 44,529 $ 43,502

Segment Reporting (Tables)

Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Summary of Segment Profit or Loss	The Company’s financial results include the following measures’ amounts for the periods indicated that are either reviewed by the CODM or are otherwise regularly provided to the CODM: Year Ended December 31, Dollars in thousands 2024 2023 2022 Interest income $ 491,308 $ 454,856 $ 416,969 Fee income 37,586 34,842 33,885 Insurance income, net 40,695 44,529 43,502 Other income 18,914 17,172 12,831 Provision for credit losses 212,200 220,034 185,115 Share-based compensation expense 11,171 11,755 10,768 Depreciation and amortization expense 9,186 8,218 7,072 Interest expense 74,530 67,463 34,223 Income tax expense 12,848 4,825 14,097
Summary of Revenues from External Customers Product and Service	The following table presents the Company’s revenues from external customers for each significant product and service for the periods indicated: Year Ended December 31, Dollars in thousands 2024 2023 2022 Large loans $ 337,708 $ 323,898 $ 288,516 Small loans 190,830 164,671 160,419 Retail loans 356 1,129 1,919 Interest and fee income 528,894 489,698 450,854 Insurance income, net 40,695 44,529 43,502 Other income 18,914 17,172 12,831 Total revenue $ 588,503 $ 551,399 $ 507,187 T
Summary of Expenditures	The Company’s balance sheet expenditures for long-lived assets either reviewed by the CODM or are otherwise regularly provided to the CODM are included in the Company’s Consolidated Statements of Cash Flows. These expenditures are represented as “Purchases of intangible assets,” “Purchases of property and equipment,” and “Operating leases paid” within the referenced statements.

Nature of Business - Additional

Nature of Business - Additional Information (Detail)	Dec. 31, 2024 State
Accounting Policies [Abstract]
Number of states	19

Significant Accounting Polici_3

Significant Accounting Policies - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2024 Segment
Significant Accounting Policies [Line Items]
Number of reportable segment	1
Contractual delinquent period of loans	180 days
Bankruptcy delinquency threshold	60 days
Delinquency interest accrual cessation	90 days
Threshold period to write off financing receivable	90 days
Minimum [Member]
Significant Accounting Policies [Line Items]
Lease agreement term	3 years
Maximum [Member]
Significant Accounting Policies [Line Items]
Lease agreement term	7 years
Furniture and Equipment [Member] | Minimum [Member]
Significant Accounting Policies [Line Items]
Estimated useful lives	5 years
Furniture and Equipment [Member] | Maximum [Member]
Significant Accounting Policies [Line Items]
Estimated useful lives	10 years

Concentrations of Credit Risk -

Concentrations of Credit Risk - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2024
Concentration Risk [Line Items]
Concentration risk, geographic	Customers living in Texas, North Carolina, and South Carolina accounted for 30%, 16%, and 10%, respectively, of the Company’s net finance receivables as of December 31, 2024.
Finance Receivables [Member] | Credit Concentration Risk [Member] | South Carolina [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	10%
Finance Receivables [Member] | Credit Concentration Risk [Member] | Texas [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	30%
Finance Receivables [Member] | Credit Concentration Risk [Member] | North Carolina [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	16%

Finance Receivables, Credit Q_3

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Finance Receivables (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 1,892,535	$ 1,771,410	$ 1,699,393
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	1,336,780	1,274,137	1,208,185
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	554,686	493,473	481,605
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 1,069	$ 3,800	$ 9,603

Finance Receivables, Credit Q_4

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Additional Information (Detail) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($) Rating	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables included net deferred origination fees	$ 15.7	$ 15.1
Number of FICO band categories | Rating	6
Accrued interest reversed as a reduction of interest and fee income	$ 23.6	$ 24.2	$ 20.2

Finance Receivables, Credit Q_5

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Financing Receivable Credit Quality Indicators (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	$ 1,253,168	$ 1,170,429
2023	433,924	447,496
2022	160,271	127,651
2021	40,215	21,627
2020	4,188	3,533
Prior	769	674
Net Finance Receivables	1,892,535	1,771,410	$ 1,699,393
FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	154,585	147,772
2023	49,655	38,527
2022	14,194	11,169
2021	4,207	2,683
2020	833	1,049
Prior	401	370
Net Finance Receivables	223,875	201,570
FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	88,062	78,144
2023	25,263	23,063
2022	6,926	6,096
2021	1,663	1,113
2020	177	320
Prior	94	92
Net Finance Receivables	122,185	108,828
FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	143,488	137,413
2023	45,233	54,511
2022	17,640	15,927
2021	4,300	2,235
2020	343	323
Prior	61	68
Net Finance Receivables	211,065	210,477
FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	193,067	185,797
2023	65,467	76,477
2022	26,682	21,743
2021	6,234	3,536
2020	579	602
Prior	107	62
Net Finance Receivables	292,136	288,217
FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	212,701	203,108
2023	75,486	84,052
2022	30,064	24,689
2021	8,217	4,081
2020	787	500
Prior	39	27
Net Finance Receivables	327,294	316,457
FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	461,265	418,195
2023	172,820	170,866
2022	64,765	48,027
2021	15,594	7,979
2020	1,469	739
Prior	67	55
Net Finance Receivables	715,980	645,861
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	796,453	756,903
2023	344,308	370,932
2022	151,595	121,004
2021	39,578	21,248
2020	4,123	3,425
Prior	723	625
Net Finance Receivables	1,336,780	1,274,137	1,208,185
Large Loans [Member] | FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	86,776	83,107
2023	37,750	28,068
2022	12,457	9,542
2021	3,950	2,510
2020	793	980
Prior	373	347
Net Finance Receivables	142,099	124,554
Large Loans [Member] | FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	55,211	46,855
2023	19,464	16,964
2022	6,171	5,342
2021	1,602	1,077
2020	173	309
Prior	92	83
Net Finance Receivables	82,713	70,630
Large Loans [Member] | FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	90,642	86,191
2023	35,777	45,778
2022	16,579	14,999
2021	4,224	2,201
2020	339	316
Prior	59	66
Net Finance Receivables	147,620	149,551
Large Loans [Member] | FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	125,867	120,054
2023	52,564	65,753
2022	25,521	20,712
2021	6,140	3,481
2020	570	592
Prior	100	55
Net Finance Receivables	210,762	210,647
Large Loans [Member] | FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	137,243	128,901
2023	58,604	69,706
2022	28,564	23,779
2021	8,148	4,043
2020	784	496
Prior	36	22
Net Finance Receivables	233,379	226,947
Large Loans [Member] | FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	300,714	291,795
2023	140,149	144,663
2022	62,303	46,630
2021	15,514	7,936
2020	1,464	732
Prior	63	52
Net Finance Receivables	520,207	491,808
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	456,715	413,525
2023	89,616	74,035
2022	7,799	5,488
2021	455	287
2020	61	104
Prior	40	34
Net Finance Receivables	554,686	493,473	481,605
Small Loans [Member] | FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	67,809	64,664
2023	11,905	10,459
2022	1,737	1,625
2021	257	172
2020	40	68
Prior	26	18
Net Finance Receivables	81,774	77,006
Small Loans [Member] | FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	32,851	31,289
2023	5,799	5,886
2022	689	724
2021	59	36
2020	4	11
Prior	2	9
Net Finance Receivables	39,404	37,955
Small Loans [Member] | FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	52,846	51,222
2023	9,456	8,099
2022	873	717
2021	49	31
2020	4	6
Prior	1	1
Net Finance Receivables	63,229	60,076
Small Loans [Member] | FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	67,200	65,743
2023	12,903	10,074
2022	924	679
2021	39	19
2020	5	10
Prior	5	3
Net Finance Receivables	81,076	76,528
Small Loans [Member] | FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	75,458	74,207
2023	16,882	13,838
2022	1,313	632
2021	22	14
2020	3	4
Prior	3	1
Net Finance Receivables	93,681	88,696
Small Loans [Member] | FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024	160,551	126,400
2023	32,671	25,679
2022	2,263	1,111
2021	29	15
2020	5	5
Prior	3	2
Net Finance Receivables	195,522	153,212
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024		1
2023		2,529
2022	877	1,159
2021	182	92
2020	4	4
Prior	6	15
Net Finance Receivables	1,069	3,800	$ 9,603
Retail Loans [Member] | FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2024		1
2022		2
2021		1
2020		1
Prior	2	5
Net Finance Receivables	2	10
Retail Loans [Member] | FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023		213
2022	66	30
2021	2
Net Finance Receivables	68	243
Retail Loans [Member] | FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023		634
2022	188	211
2021	27	3
2020		1
Prior	1	1
Net Finance Receivables	216	850
Retail Loans [Member] | FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023		650
2022	237	352
2021	55	36
2020	4
Prior	2	4
Net Finance Receivables	298	1,042
Retail Loans [Member] | FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023		508
2022	187	278
2021	47	24
Prior		4
Net Finance Receivables	234	814
Retail Loans [Member] | FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023		524
2022	199	286
2021	51	28
2020		2
Prior	1	1
Net Finance Receivables	$ 251	$ 841

Finance Receivables, Credit Q_6

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Credit Losses by Product and Origination Year (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Credit losses, 2024	$ 22,855	$ 29,013
Credit losses, 2023	123,295	140,012
Credit losses, 2022	50,827	44,291
Credit losses, 2021	12,251	5,803
Credit losses, 2020	1,597	1,549
Credit losses, prior	517	265
Credit losses, Total Credit Losses	211,342	220,933	$ 172,063
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Credit losses, 2024	9,699	14,529
Credit losses, 2023	67,711	78,938
Credit losses, 2022	39,070	33,616
Credit losses, 2021	11,197	5,116
Credit losses, 2020	1,541	1,465
Credit losses, prior	474	254
Credit losses, Total Credit Losses	129,692	133,918	87,236
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Credit losses, 2024	13,156	14,484
Credit losses, 2023	55,584	60,298
Credit losses, 2022	11,316	10,244
Credit losses, 2021	822	599
Credit losses, 2020	42	60
Credit losses, prior	33	7
Credit losses, Total Credit Losses	80,953	85,692	82,842
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Credit losses, 2023		776
Credit losses, 2022	441	431
Credit losses, 2021	232	88
Credit losses, 2020	14	24
Credit losses, prior	10	4
Credit losses, Total Credit Losses	$ 697	$ 1,323	$ 1,985

Finance Receivables, Credit Q_7

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Amortized Cost Basis in Past-Due Loans (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 1,892,535	$ 1,771,410	$ 1,699,393
Net finance receivables in nonaccrual status	$ 88,830	$ 66,871
Total net finance receivables	100%	100%
Net finance receivables in nonaccrual status	4.70%	3.80%
Financing Receivables, Current [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 1,590,381	$ 1,493,341
Current,Percent	84%	84.30%
1 to 29 Days Past Due [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 156,312	$ 155,196
Past due, Percent	8.30%	8.80%
Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 36,948	$ 34,756
Past due, Percent	1.90%	1.90%
Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 35,242	$ 31,212
Past due, Percent	1.90%	1.80%
Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 28,085	$ 27,107
Past due, Percent	1.50%	1.50%
Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 23,987	$ 15,317
Past due, Percent	1.30%	0.90%
Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 21,580	$ 14,481
Past due, Percent	1.10%	0.80%
Total Delinquency Accounts [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 145,842	$ 122,873
Past due, Percent	7.70%	6.90%
Large Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 1,336,780	$ 1,274,137	1,208,185
Net finance receivables in nonaccrual status	$ 54,228	$ 44,627
Total net finance receivables	100%	100%
Net finance receivables in nonaccrual status	4.10%	3.50%
Large Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 1,139,070	$ 1,084,518
Current,Percent	85.20%	85.10%
Large Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 109,656	$ 109,483
Past due, Percent	8.20%	8.60%
Large Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 22,909	$ 22,587
Past due, Percent	1.70%	1.70%
Large Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 21,493	$ 19,844
Past due, Percent	1.60%	1.60%
Large Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 16,609	$ 16,951
Past due, Percent	1.30%	1.30%
Large Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 14,357	$ 10,938
Past due, Percent	1.10%	0.90%
Large Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 12,686	$ 9,816
Past due, Percent	0.90%	0.80%
Large Loans [Member] | Total Delinquency Accounts [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 88,054	$ 80,136
Past due, Percent	6.60%	6.30%
Small Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 554,686	$ 493,473	481,605
Net finance receivables in nonaccrual status	$ 34,465	$ 21,850
Total net finance receivables	100%	100%
Net finance receivables in nonaccrual status	6.20%	4.40%
Small Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 450,603	$ 406,203
Current,Percent	81.20%	82.40%
Small Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 46,488	$ 45,119
Past due, Percent	8.40%	9.10%
Small Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 13,998	$ 12,053
Past due, Percent	2.50%	2.40%
Small Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 13,699	$ 11,253
Past due, Percent	2.50%	2.30%
Small Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 11,443	$ 10,030
Past due, Percent	2.10%	2%
Small Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 9,602	$ 4,247
Past due, Percent	1.70%	0.90%
Small Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 8,853	$ 4,568
Past due, Percent	1.60%	0.90%
Small Loans [Member] | Total Delinquency Accounts [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 57,595	$ 42,151
Past due, Percent	10.40%	8.50%
Retail Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 1,069	$ 3,800	$ 9,603
Net finance receivables in nonaccrual status	$ 137	$ 394
Total net finance receivables	100%	100%
Net finance receivables in nonaccrual status	12.80%	10.40%
Retail Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 708	$ 2,620
Current,Percent	66.20%	69%
Retail Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 168	$ 594
Past due, Percent	15.70%	15.60%
Retail Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 41	$ 116
Past due, Percent	3.90%	3.10%
Retail Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 50	$ 115
Past due, Percent	4.70%	3%
Retail Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 33	$ 126
Past due, Percent	3.10%	3.20%
Retail Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 28	$ 132
Past due, Percent	2.60%	3.50%
Retail Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 41	$ 97
Past due, Percent	3.80%	2.60%
Retail Loans [Member] | Total Delinquency Accounts [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 193	$ 586
Past due, Percent	18.10%	15.40%

Finance Receivables, Credit Q_8

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Reconciliations of Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 187,400	$ 178,800	$ 159,300
Provision for credit losses	212,200	220,034	185,115
Credit losses	(211,342)	(220,933)	(172,063)
Recoveries	11,242	9,499	6,448
Ending balance	199,500	187,400	178,800
Net finance receivables	$ 1,892,535	$ 1,771,410	$ 1,699,393
Allowance as Percentage of Finance Receivables	10.50%	10.60%	10.50%
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 127,992	$ 119,592	$ 96,494
Provision for credit losses	128,190	136,638	106,925
Credit losses	(129,692)	(133,918)	(87,236)
Recoveries	7,016	5,680	3,409
Ending balance	133,506	127,992	119,592
Net finance receivables	$ 1,336,780	$ 1,274,137	$ 1,208,185
Allowance as Percentage of Finance Receivables	10%	10%	9.90%
Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 58,736	$ 57,915	$ 61,294
Provision for credit losses	83,861	82,745	76,513
Credit losses	(80,953)	(85,692)	(82,842)
Recoveries	4,182	3,768	2,950
Ending balance	65,826	58,736	57,915
Net finance receivables	$ 554,686	$ 493,473	$ 481,605
Allowance as Percentage of Finance Receivables	11.90%	11.90%	12%
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 672	$ 1,293	$ 1,512
Provision for credit losses	149	651	1,677
Credit losses	(697)	(1,323)	(1,985)
Recoveries	44	51	89
Ending balance	168	672	1,293
Net finance receivables	$ 1,069	$ 3,800	$ 9,603
Allowance as Percentage of Finance Receivables	15.70%	17.70%	13.50%

Finance Receivables, Credit Q_9

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Modification Made to Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Modified [Line Items]
Amortized cost basis	$ 21,667	$ 16,400
% of Net finance receivables	1.10%	0.90%
Principal Forgiveness, Interest Rate Reduction, & Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized cost basis	$ 614	$ 325
Interest Rate Reduction and Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized cost basis	$ 10,601	$ 14,799
% of Net finance receivables	0.60%	0.80%
Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized cost basis	$ 2,178	$ 1,276
% of Net finance receivables	0.10%	0.10%
Interest Rate Reduction [Member]
Financing Receivable, Modified [Line Items]
Amortized cost basis	$ 8,274
% of Net finance receivables	0.40%
Large Loans [Member]
Financing Receivable, Modified [Line Items]
Amortized cost basis	$ 17,262	$ 13,905
% of Net finance receivables	1.30%	1.10%
Large Loans [Member] | Principal Forgiveness, Interest Rate Reduction, & Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized cost basis	$ 586	$ 288
Large Loans [Member] | Interest Rate Reduction and Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized cost basis	$ 9,155	$ 12,687
% of Net finance receivables	0.80%	1%
Large Loans [Member] | Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized cost basis	$ 1,792	$ 930
% of Net finance receivables	0.10%	0.10%
Large Loans [Member] | Interest Rate Reduction [Member]
Financing Receivable, Modified [Line Items]
Amortized cost basis	$ 5,729
% of Net finance receivables	0.40%
Small Loans [Member]
Financing Receivable, Modified [Line Items]
Amortized cost basis	$ 4,405	$ 2,495
% of Net finance receivables	0.80%	0.50%
Small Loans [Member] | Principal Forgiveness, Interest Rate Reduction, & Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized cost basis	$ 28	$ 37
Small Loans [Member] | Interest Rate Reduction and Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized cost basis	$ 1,446	$ 2,112
% of Net finance receivables	0.20%	0.40%
Small Loans [Member] | Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized cost basis	$ 386	$ 346
% of Net finance receivables	0.10%	0.10%
Small Loans [Member] | Interest Rate Reduction [Member]
Financing Receivable, Modified [Line Items]
Amortized cost basis	$ 2,545
% of Net finance receivables	0.50%

Finance Receivables, Credit _10

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Financial Effects of Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Large Loans [Member] | Principal Forgiveness [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Reduced amortized cost basis	$ 1.3	$ 1
Large Loans [Member] | Interest Rate Reduction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Reduced weighted-average contractual interest	12.60%	10.70%
Large Loans [Member] | Term Extension [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Added weighted-average period to loans	1 year 6 months	1 year 6 months
Small Loans [Member] | Principal Forgiveness [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Reduced amortized cost basis	$ 0.5	$ 0.5
Small Loans [Member] | Interest Rate Reduction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Reduced weighted-average contractual interest	24.40%	13.60%
Small Loans [Member] | Term Extension [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Added weighted-average period to loans	1 year 4 months 24 days	1 year 4 months 24 days

Finance Receivables, Credit _11

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Amortized Cost Basis for Modifications Made to Borrowers Experiencing Financial Difficulty Subsequently Defaulted (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	[1]
Financing Receivable, Modified [Line Items]
Financial receivable subsequent default	$ 3,384	$ 1,631	$ 27,494
Principal Forgiveness [Member]
Financing Receivable, Modified [Line Items]
Financial receivable subsequent default	36	19
Term Extension [Member]
Financing Receivable, Modified [Line Items]
Financial receivable subsequent default	283	30
Interest Rate Reduction and Term Extension [Member]
Financing Receivable, Modified [Line Items]
Financial receivable subsequent default	1,927	1,582
Interest Rate Reduction [Member]
Financing Receivable, Modified [Line Items]
Financial receivable subsequent default	1,138
Large Loans [Member]
Financing Receivable, Modified [Line Items]
Financial receivable subsequent default	2,727	1,377	20,537
Large Loans [Member] | Principal Forgiveness [Member]
Financing Receivable, Modified [Line Items]
Financial receivable subsequent default	30	16
Large Loans [Member] | Term Extension [Member]
Financing Receivable, Modified [Line Items]
Financial receivable subsequent default	231	27
Large Loans [Member] | Interest Rate Reduction and Term Extension [Member]
Financing Receivable, Modified [Line Items]
Financial receivable subsequent default	1,608	1,334
Large Loans [Member] | Interest Rate Reduction [Member]
Financing Receivable, Modified [Line Items]
Financial receivable subsequent default	858
Small Loans [Member]
Financing Receivable, Modified [Line Items]
Financial receivable subsequent default	657	254	$ 6,920
Small Loans [Member] | Principal Forgiveness [Member]
Financing Receivable, Modified [Line Items]
Financial receivable subsequent default	6	3
Small Loans [Member] | Term Extension [Member]
Financing Receivable, Modified [Line Items]
Financial receivable subsequent default	52	3
Small Loans [Member] | Interest Rate Reduction and Term Extension [Member]
Financing Receivable, Modified [Line Items]
Financial receivable subsequent default	319	$ 248
Small Loans [Member] | Interest Rate Reduction [Member]
Financing Receivable, Modified [Line Items]
Financial receivable subsequent default	$ 280
[1] Represents the post-modification net finance receivables balance of loans that have been modified during the period and resulted in a TDR.

Finance Receivables, Credit _12

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Contractual Delinquencies of Loans that were Modified to Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Thousands	Dec. 31, 2024		Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Contractual delinquencies of loans	$ 88,830		$ 66,871
Contractual Delinquencies of Loans that were Modified to Borrowers [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Contractual delinquencies of loans	21,667	[1]	16,400	[2]
Contractual Delinquencies of Loans that were Modified to Borrowers [Member] | Financing Receivables, Current [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Contractual delinquencies of loans	16,345		13,282
Contractual Delinquencies of Loans that were Modified to Borrowers [Member] | Financing Receivables, 30 - 89 Days Past Due [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Contractual delinquencies of loans	3,209		2,016
Contractual Delinquencies of Loans that were Modified to Borrowers [Member] | Financing Receivables, 90+ Days Past Due [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Contractual delinquencies of loans	2,113		1,102
Small Loans [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Contractual delinquencies of loans	34,465		21,850
Small Loans [Member] | Contractual Delinquencies of Loans that were Modified to Borrowers [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Contractual delinquencies of loans	4,405	[1]	2,495	[2]
Small Loans [Member] | Contractual Delinquencies of Loans that were Modified to Borrowers [Member] | Financing Receivables, Current [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Contractual delinquencies of loans	3,138		1,993
Small Loans [Member] | Contractual Delinquencies of Loans that were Modified to Borrowers [Member] | Financing Receivables, 30 - 89 Days Past Due [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Contractual delinquencies of loans	799		325
Small Loans [Member] | Contractual Delinquencies of Loans that were Modified to Borrowers [Member] | Financing Receivables, 90+ Days Past Due [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Contractual delinquencies of loans	468		177
Large Loans [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Contractual delinquencies of loans	54,228		44,627
Large Loans [Member] | Contractual Delinquencies of Loans that were Modified to Borrowers [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Contractual delinquencies of loans	17,262	[1]	13,905	[2]
Large Loans [Member] | Contractual Delinquencies of Loans that were Modified to Borrowers [Member] | Financing Receivables, Current [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Contractual delinquencies of loans	13,207		11,289
Large Loans [Member] | Contractual Delinquencies of Loans that were Modified to Borrowers [Member] | Financing Receivables, 30 - 89 Days Past Due [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Contractual delinquencies of loans	2,410		1,691
Large Loans [Member] | Contractual Delinquencies of Loans that were Modified to Borrowers [Member] | Financing Receivables, 90+ Days Past Due [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Contractual delinquencies of loans	$ 1,645		$ 925
[1] Excludes modified finance receivables that subsequently charged off of $ 1.4 million and $ 0.2 million in large and small loans, respectively . Excludes modified finance receivables that subsequently charged off of $ 1.8 million and $ 0.4 million in large and small loans, respectively.

Finance Receivables, Credit _13

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Contractual Delinquencies of Loans that were Modified to Borrowers Experiencing Financial Difficulty (Parenthetical) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]
Modified finance receivables charged off	$ 211,342	$ 220,933	$ 172,063
Small Loans [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Modified finance receivables charged off	80,953	85,692	82,842
Small Loans [Member] | Contractual Delinquencies of Loans that were Modified to Borrowers [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Modified finance receivables charged off	200	400
Large Loans [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Modified finance receivables charged off	129,692	133,918	$ 87,236
Large Loans [Member] | Contractual Delinquencies of Loans that were Modified to Borrowers [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Modified finance receivables charged off	$ 1,400	$ 1,800

Finance Receivables, Credit _14

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Net Finance Receivables Modified And Classified As TDRs (Detail) $ in Thousands		12 Months Ended
		Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($) Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan				7,220
TDR Net Finance Receivables | $		$ 3,384	$ 1,631	$ 27,494	[1]
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan				3,651
TDR Net Finance Receivables | $		657	254	$ 6,920	[1]
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan				3,554
TDR Net Finance Receivables | $		$ 2,727	$ 1,377	$ 20,537	[1]
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan				15
TDR Net Finance Receivables | $	[1]			$ 37
[1] Represents the post-modification net finance receivables balance of loans that have been modified during the period and resulted in a TDR.

Finance Receivables, Credit _15

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of TDR Finance Receivables that Subsequently Defaulted (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan	2,678
TDR Net Finance Receivables | $	$ 10,432	[1]
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan	1,365
TDR Net Finance Receivables | $	$ 2,712	[1]
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan	1,307
TDR Net Finance Receivables | $	$ 7,704	[1]
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan	6
TDR Net Finance Receivables | $	$ 16	[1]
[1] Only includes defaults occurring within 12 months of a loan being designated as a TDR. Represents the corresponding balance of TDR net finance receivables at the end of the month in which they defaulted.

Restricted Available-for-Sale_3

Restricted Available-for-Sale Investments - Reconciliation of Restricted AFS Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Schedule Of Available For Sale Securities [Line Items]
Estimated Fair Value	$ 21,712	$ 22,740
Restricted Investments
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	21,633	23,211
Gross Unrealized Gains	92	1
Gross Unrealized Losses	(13)	(472)
Estimated Fair Value	$ 21,712	$ 22,740

Restricted Available-for-Sale_4

Restricted Available-for-Sale Investments - Summary of Gross Unrealized Losses And Estimated Fair Values of Restricted AFS Investments (Details) - Restricted Investments - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Schedule Of Available For Sale Securities [Line Items]
Less than 12 Months, Estimated Fair Value	$ 2,205	$ 0
Less than 12 Months, Gross Unrealized Losses	(13)	0
12 Months or Longer, Estimated Fair Value	0	18,633
12 Months or Longer, Gross Unrealized Losses	0	(472)
Total Estimated Fair Value	2,205	18,633
Total Gross Unrealized Losses	$ (13)	$ (472)

Restricted Available-for-Sale_5

Restricted Available-for-Sale Investments - Additional Information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Schedule Of Available For Sale Securities [Line Items]
Accrued interest receivable	$ 13,000	$ 300,000
Debt securities available for sale accrued interest after allowance for credit loss statement of financial position extensible list not disclosed flag	true	true
Restricted Investments
Schedule Of Available For Sale Securities [Line Items]
Gross realized gains or losses	$ (20,000)	$ 0	$ 0

Restricted Available-for-Sale_6

Restricted Available-for-Sale Investments - Summary of Amortized Cost And Estimated Fair Values of Restricted AFS Investments by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Estimated Fair Value
Total restricted available-for-sale investments	$ 21,712	$ 22,740
Restricted Investments
Amortized Cost
Due in one year	19,415
Due within one year to five years	2,218
Due within five years to ten years	0
Due after ten years	0
Total restricted available-for-sale investments	21,633	23,211
Estimated Fair Value
Due in one year	19,507
Due within one year to five years	2,205
Due within five years to ten years	0
Due after ten years	0
Total restricted available-for-sale investments	$ 21,712	$ 22,740

Property and Equipment - Summar

Property and Equipment - Summary of Property and Equipment (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Property Plant And Equipment [Line Items]
Property and equipment, gross	$ 46,318	$ 44,108
Less accumulated depreciation	32,641	30,321
Property and equipment, net	13,677	13,787
Furniture, Fixtures and Equipment [Member]
Property Plant And Equipment [Line Items]
Property and equipment, gross	28,285	27,228
Leasehold Improvements [Member]
Property Plant And Equipment [Line Items]
Property and equipment, gross	$ 18,033	$ 16,880

Property and Equipment - Additi

Property and Equipment - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Depreciation expense	$ 4.8	$ 4.6	$ 4.1

Leases - Additional Information

Leases - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Operating Leased Assets [Line Items]
Rent expense	$ 11.7	$ 11	$ 10.2
Minimum [Member]
Operating Leased Assets [Line Items]
Lease agreement term	3 years
Maximum [Member]
Operating Leased Assets [Line Items]
Lease agreement term	7 years
Branch [Member] | Minimum [Member]
Operating Leased Assets [Line Items]
Lease agreement term	3 years
Extend lease agreement term	3 years
Branch [Member] | Maximum [Member]
Operating Leased Assets [Line Items]
Lease agreement term	7 years
Extend lease agreement term	5 years
Corporate Headquarters [Member]
Operating Leased Assets [Line Items]
Lease agreement term	11 years
Extend lease agreement term	10 years

Leases - Future Minimum Lease P

Leases - Future Minimum Lease Payments on Lease Liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2025	$ 11,001
2026	10,516
2027	8,369
2028	5,691
2029	4,214
Thereafter	7,938
Total	47,729
Present value adjustment	(7,150)
Lease liability	$ 40,579	$ 36,576

Leases - Summary of Operating a

Leases - Summary of Operating and Short-Term Lease Expenses (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Lease, Cost [Abstract]
Operating leases	$ 11,526	$ 10,587	$ 9,457
Short-term leases	221	447	745
Total	$ 11,747	$ 11,034	$ 10,202

Leases - Summary of Weighted-av

Leases - Summary of Weighted-average Remaining Lease Term and Discount Rate (Detail)	Dec. 31, 2024	Dec. 31, 2023
Leases [Abstract]
Weighted-average remaining lease term (in years)	5 years 1 month 6 days	5 years 6 months
Weighted-average discount rate	6.20%	5.70%

Intangible Assets - Summary of

Intangible Assets - Summary of Gross Carrying Amount and Related Accumulated Amortization of Intangible Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Intangible Assets Including Goodwill [Line Items]
Total intangible assets, Gross Carrying Amount	$ 44,819	$ 31,775
Total intangible assets, Accumulated Amortization	(20,295)	(15,929)
Total intangible assets, Net Carrying Amount	24,524	15,846
Software [Member]
Intangible Assets Including Goodwill [Line Items]
Total intangible assets, Gross Carrying Amount	43,869	30,825
Total intangible assets, Accumulated Amortization	(20,061)	(15,695)
Total intangible assets, Net Carrying Amount	23,808	15,130
Other [Member]
Intangible Assets Including Goodwill [Line Items]
Total intangible assets, Gross Carrying Amount	950	950
Total intangible assets, Accumulated Amortization	(234)	(234)
Total intangible assets, Net Carrying Amount	$ 716	$ 716

Intangible Assets - Additional

Intangible Assets - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Intangible Assets Including Goodwill [Line Items]
Amortization expense for intangible assets	$ 4.4	$ 3.7	$ 2.9
Software [Member]
Intangible Assets Including Goodwill [Line Items]
Weighted-average amortization period	6 years

Intangible Assets - Summary o_2

Intangible Assets - Summary of Future Amortization of Intangible Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Finite-Lived Intangible Assets [Line Items]
Total intangible assets, Net Carrying Amount	$ 24,524	$ 15,846
Software [Member]
Finite-Lived Intangible Assets [Line Items]
2025	5,186
2026	5,189
2027	4,033
2028	3,289
2029	2,599
Thereafter	3,512
Total intangible assets, Net Carrying Amount	$ 23,808	$ 15,130

Other Assets - Summary of Other

Other Assets - Summary of Other Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Prepaid expenses	$ 8,690	$ 9,661
Credit insurance receivable	2,840	2,759
Card payments receivable	2,587	5,666
Warehouse credit facilities debt issue costs	2,236	2,362
Income tax receivable	1,708	7,260
Other	2,805	1,711
Total	$ 20,866	$ 29,419

Interest Rate Caps - Additional

Interest Rate Caps - Additional Information (Detail) - USD ($)	Sep. 30, 2022	Dec. 31, 2021
Derivative [Line Items]
Remaining interest rate cap contracts		$ 6,586,000
Interest Rate Cap Contracts
Derivative [Line Items]
Remaining interest rate cap contracts	$ 0

Interest Rate Caps - Summary of

Interest Rate Caps - Summary of Change in Fair Value of Interest Rate Caps (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Offsetting [Abstract]
Beginning balance	$ 6,586
Sales	(19,720)
Fair value adjustment included as a decrease in interest expense	$ 13,134

Variable Interest Entities - Ad

Variable Interest Entities - Additional Information (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Variable Interest Entity [Line Items]
Cash deposited to restricted cash reserve account	$ 131,684	$ 124,164	$ 127,926
Contractual Priority Payments [Member]
Variable Interest Entity [Line Items]
Cash deposited to restricted cash reserve account	$ 117,100	$ 109,900

Variable Interest Entities - Su

Variable Interest Entities - Summary of Presents the Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Assets
Cash	$ 3,951	$ 4,509	$ 3,873
Net finance receivables	1,892,535	1,771,410	1,699,393
Allowance for credit losses	(199,500)	(187,400)	(178,800)	$ (159,300)
Restricted cash	131,684	124,164	$ 127,926
Other assets	20,866	29,419
Total assets	1,909,109	1,794,527
Liabilities
Net debt	1,471,998	1,395,236
Accounts payable and accrued expenses	39,454	40,442
Total liabilities	1,552,031	1,472,254
VIEs [Member]
Assets
Cash	378	378
Net finance receivables	1,317,604	1,278,568
Allowance for credit losses	(136,850)	(133,207)
Restricted cash	130,970	123,899
Other assets	3,078	2,880
Total assets	1,315,180	1,272,518
Liabilities
Net debt	1,253,096	1,200,380
Accounts payable and accrued expenses	19	218
Total liabilities	$ 1,253,115	$ 1,200,598

Debt - Summary of the Company's

Debt - Summary of the Company's Debt (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Debt	$ 1,478,336	$ 1,399,814
Unamortized debt issuance costs	(6,338)	(4,578)
Net debt	1,471,998	1,395,236
Unused amount of revolving credit facilities (subject to borrowing base)	466,164	551,508
Revolving credit facilities
Debt Instrument [Line Items]
Debt	315,904	245,546
Unamortized debt issuance costs	(437)	(606)
Net debt	315,467	244,940
Securitizations
Debt Instrument [Line Items]
Debt	1,162,432	1,154,268
Unamortized debt issuance costs	(5,901)	(3,972)
Net debt	$ 1,156,531	$ 1,150,296

Debt - Summary of the Company_2

Debt - Summary of the Company's Debt (Parenthetical) (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Unamortized debt issuance costs	$ 6,338	$ 4,578
Revolving warehouse credit facilities
Debt Instrument [Line Items]
Unamortized debt issuance costs	$ 2,200	$ 2,400

Debt - Additional Information (

Debt - Additional Information (Detail) - USD ($) $ in Thousands	1 Months Ended	12 Months Ended
	Oct. 31, 2022	Dec. 31, 2024	Dec. 31, 2022	Dec. 31, 2023
Line of Credit Facility [Line Items]
Cash		$ 3,951	$ 3,873	$ 4,509
Advances on securitizations		437,305	$ 433,720
Unamortized debt issuance costs		$ 6,338		4,578
RMIT 2022-2B securitization
Line of Credit Facility [Line Items]
Advances on securitizations	$ 200,000
Debt Instrument, Payment Terms		In November 2024, the Company and RMR III exercised the right to make an optional principal repayment in full, and in connection with such prepayment, the securitization terminated.
Unrestricted Cash [Member]
Line of Credit Facility [Line Items]
Cash		$ 4,000
Revolving credit facilities
Line of Credit Facility [Line Items]
Unamortized debt issuance costs		437		$ 606
Revolving credit facilities | Senior
Line of Credit Facility [Line Items]
Credit facility, eligible borrowing capacity		$ 132,900

Debt - Summary of Company's Rev

Debt - Summary of Company's Revolving Credit Facilities (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2024		Nov. 30, 2024	Oct. 31, 2024	Mar. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Line of Credit Facility [Line Items]
Debt		$ 1,478,336					$ 1,399,814
Restricted Cash Reserves		131,684					124,164	$ 127,926
RMR IV warehouse
Line of Credit Facility [Line Items]
Secured line of credit		125,000
Debt		4,792
Restricted Cash Reserves		$ 61
Advance Rate Cap		79%
Current Advance Rate		79%
Revolving Period End Date		2025-05
Maturity Date		2026-05
RMR IV warehouse | Maximum [Member]
Line of Credit Facility [Line Items]
Unused Commitment Fee		0.70%
RMR IV warehouse | Minimum [Member]
Line of Credit Facility [Line Items]
Unused Commitment Fee		0.40%
RMR V warehouse
Line of Credit Facility [Line Items]
Secured line of credit	[1]	$ 100,000
Debt	[1]	52,307
Restricted Cash Reserves	[1]	$ 325
Advance Rate Cap	[1]	80%
Current Advance Rate	[1]	80%
Revolving Period End Date		2026-11	[1]	2024-11
Maturity Date	[1]	2027-11
RMR V warehouse | Maximum [Member]
Line of Credit Facility [Line Items]
Unused Commitment Fee	[1]	0.70%
RMR V warehouse | Minimum [Member]
Line of Credit Facility [Line Items]
Unused Commitment Fee	[1]	0.40%
RMR VI warehouse
Line of Credit Facility [Line Items]
Secured line of credit	[2],[3]	$ 75,000
Debt	[2],[3]	2,443
Restricted Cash Reserves	[2],[3]	$ 32
Advance Rate Cap		75%	[2],[3]			80%
Current Advance Rate	[2],[3]	75%
Unused Commitment Fee	[2],[3]	0.50%
Revolving Period End Date	[2],[3]	2025-02
Maturity Date	[2],[3]	2026-02
RMR VII warehouse
Line of Credit Facility [Line Items]
Secured line of credit	[4]	$ 125,000
Debt	[4]	37,023
Restricted Cash Reserves	[4]	$ 242
Advance Rate Cap		76%	[4]		80%
Current Advance Rate	[4]	76%
Maturity Date		2026-10	[4]		2024-10
RMR VII warehouse | Maximum [Member]
Line of Credit Facility [Line Items]
Unused Commitment Fee	[4]	0.70%
RMR VII warehouse | Minimum [Member]
Line of Credit Facility [Line Items]
Unused Commitment Fee	[4]	0.40%
Senior
Line of Credit Facility [Line Items]
Secured line of credit	[5]	$ 355,000
Debt	[5]	$ 219,339
Advance Rate Cap	[5]	83%
Current Advance Rate	[5]	75%
Maturity Date	[5]	2025-09
Senior | Maximum [Member]
Line of Credit Facility [Line Items]
Unused Commitment Fee	[5]	1%
Senior | Minimum [Member]
Line of Credit Facility [Line Items]
Unused Commitment Fee	[5]	0.50%
Revolving credit facilities
Line of Credit Facility [Line Items]
Secured line of credit		$ 780,000
Debt		315,904					$ 245,546
Restricted Cash Reserves		$ 660
Revolving credit facilities | RMR VII warehouse
Line of Credit Facility [Line Items]
Secured line of credit					$ 75,000
[1] Following a November 2024 amendment, the revolving period end date is now November 2026 (previously November 2024 ). Following a March 2024 amendment, advances on the facility are capped at 75 % of eligible finance receivables (previously 80 %). See Note 21, “Subsequent Events,” for information regarding the amendment of this facility following the end of the fiscal year. In October 2024, the Company amended its RMR VII warehouse credit facility to, among other things, (i) increase the credit facility to $ 125 million (previously $ 75 million); (ii) decrease the advance rate cap to 76 % (previously 80 %); (iii) extend the scheduled commitment termination date to October 2026 (previously October 2024 ); and (iv) align the legal final maturity date and scheduled commitment termination date (previously the revolving period end date). In February 2024, the Company amended its senior revolving credit facility to, among other things, reduce the availability under the facility from $ 420 million to $ 355 million and extend the maturity date to September 2025 .

Debt - Summary of Company's R_2

Debt - Summary of Company's Revolving Credit Facilities (Parenthetical) (Details) - USD ($) $ in Thousands		Dec. 31, 2024		Nov. 30, 2024	Oct. 31, 2024	Mar. 31, 2024	Feb. 29, 2024
RMR V warehouse
Line of Credit Facility [Line Items]
Secured line of credit	[1]	$ 100,000
Commitment termination date	[1]	2027-11
Revolving Period End Date		2026-11	[1]	2024-11
Percentage of advances on debt agreement eligible secured finance receivables	[1]	80%
RMR VI warehouse
Line of Credit Facility [Line Items]
Secured line of credit	[2],[3]	$ 75,000
Commitment termination date	[2],[3]	2026-02
Revolving Period End Date	[2],[3]	2025-02
Percentage of advances on debt agreement eligible secured finance receivables		75%	[2],[3]			80%
RMR VII warehouse
Line of Credit Facility [Line Items]
Secured line of credit	[4]	$ 125,000
Commitment termination date		2026-10	[4]		2024-10
Percentage of advances on debt agreement eligible secured finance receivables		76%	[4]		80%
Revolving credit facilities
Line of Credit Facility [Line Items]
Secured line of credit		$ 780,000
Revolving credit facilities | RMR VII warehouse
Line of Credit Facility [Line Items]
Secured line of credit					$ 75,000
Revolving credit facilities | Senior
Line of Credit Facility [Line Items]
Secured line of credit		$ 355,000					$ 420,000
Commitment termination date		2025-09
[1] Following a November 2024 amendment, the revolving period end date is now November 2026 (previously November 2024 ). Following a March 2024 amendment, advances on the facility are capped at 75 % of eligible finance receivables (previously 80 %). See Note 21, “Subsequent Events,” for information regarding the amendment of this facility following the end of the fiscal year. In October 2024, the Company amended its RMR VII warehouse credit facility to, among other things, (i) increase the credit facility to $ 125 million (previously $ 75 million); (ii) decrease the advance rate cap to 76 % (previously 80 %); (iii) extend the scheduled commitment termination date to October 2026 (previously October 2024 ); and (iv) align the legal final maturity date and scheduled commitment termination date (previously the revolving period end date).

Debt - Summary of Borrowings Un

Debt - Summary of Borrowings Under the Revolving Credit Facilities (Details)		1 Months Ended	12 Months Ended
		Oct. 31, 2024	Dec. 31, 2024
RMR IV warehouse
Debt Instrument [Line Items]
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]			Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
Effective interest rate			7.50%
RMR IV warehouse | Benchmark Adjustment
Debt Instrument [Line Items]
Interest rate, basis spread			0.10%
RMR IV warehouse | Margin
Debt Instrument [Line Items]
Interest rate, basis spread			2.80%
RMR V warehouse
Debt Instrument [Line Items]
Effective interest rate			6.90%
RMR V warehouse | Margin
Debt Instrument [Line Items]
Interest rate, basis spread			2.10%
RMR VI warehouse
Debt Instrument [Line Items]
Benchmark Adjustment	[1],[2]		0.50%
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]			Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
Effective interest rate			7.20%
RMR VI warehouse | Benchmark Adjustment
Debt Instrument [Line Items]
Interest rate, basis spread			0.10%
RMR VI warehouse | Margin
Debt Instrument [Line Items]
Interest rate, basis spread			2.50%
RMR VII warehouse
Debt Instrument [Line Items]
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]			Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
Effective interest rate	[3]		7%
RMR VII warehouse | Margin
Debt Instrument [Line Items]
Interest rate, basis spread		3%	2.40%	[3]
Minimum | RMR IV warehouse
Debt Instrument [Line Items]
Benchmark Adjustment			0.40%
Minimum | RMR V warehouse
Debt Instrument [Line Items]
Benchmark Adjustment	[4]		0.40%
Minimum | RMR VII warehouse
Debt Instrument [Line Items]
Benchmark Adjustment	[5]		0.40%
Senior
Debt Instrument [Line Items]
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]			Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
Effective interest rate			7.70%
Senior | Benchmark Adjustment
Debt Instrument [Line Items]
Interest rate, basis spread			0.10%
Senior | Margin
Debt Instrument [Line Items]
Interest rate, basis spread			3%
Senior | Minimum
Debt Instrument [Line Items]
Effective interest rate			0.50%
[1] Following a March 2024 amendment, advances on the facility are capped at 75 % of eligible finance receivables (previously 80 %). See Note 21, “Subsequent Events,” for information regarding the amendment of this facility following the end of the fiscal year. Following an October 2024 amendment, the margin was reduced to 2.40 % (previously 3.00 %). Following a November 2024 amendment, the revolving period end date is now November 2026 (previously November 2024 ). In October 2024, the Company amended its RMR VII warehouse credit facility to, among other things, (i) increase the credit facility to $ 125 million (previously $ 75 million); (ii) decrease the advance rate cap to 76 % (previously 80 %); (iii) extend the scheduled commitment termination date to October 2026 (previously October 2024 ); and (iv) align the legal final maturity date and scheduled commitment termination date (previously the revolving period end date).

Debt - Summary Of Borrowings _2

Debt - Summary Of Borrowings Under The Revolving Credit Facilities (Parenthetical) (Details)	1 Months Ended	12 Months Ended
	Oct. 31, 2024	Dec. 31, 2024
Margin [Member] | RMR VII warehouse
Debt Instrument [Line Items]
Interest rate, basis spread	3%	2.40%	[1]
[1] Following an October 2024 amendment, the margin was reduced to 2.40 % (previously 3.00 %).

Debt - Summary Of Company's sec

Debt - Summary Of Company's securitizations (Details) - USD ($) $ in Thousands		1 Months Ended
		Nov. 30, 2024	Jun. 30, 2024	Feb. 28, 2022	Oct. 31, 2021	Jul. 31, 2021	Feb. 28, 2021	Sep. 30, 2020	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Line of Credit Facility [Line Items]
Debt									$ 1,478,336	$ 1,399,814
Restricted Cash Reserves									131,684	$ 124,164	$ 127,926
RMIT 2020-1
Line of Credit Facility [Line Items]
Issue Date								2020-09
Issue Amount								$ 180,000
Debt									46,769
Restricted Cash Reserves									$ 1,875
Effective interest rate									4.30%
Revolving Period End Date									2023-09
Maturity Date									2030-10
RMIT 2021-1
Line of Credit Facility [Line Items]
Issue Date							2021-02
Issue Amount							$ 248,700
Debt									$ 101,550
Restricted Cash Reserves									$ 2,604
Effective interest rate									2.70%
Revolving Period End Date									2024-02
Maturity Date									2031-03
RMIT 2021-2
Line of Credit Facility [Line Items]
Issue Date						2021-07
Issue Amount						$ 200,000
Debt									$ 200,191
Restricted Cash Reserves									$ 2,083
Effective interest rate									2.30%
Revolving Period End Date									2026-07
Maturity Date									2033-08
RMIT 2021-3
Line of Credit Facility [Line Items]
Issue Date					2021-10
Issue Amount					$ 125,000
Debt									$ 125,202
Restricted Cash Reserves									$ 1,471
Effective interest rate									3.90%
Revolving Period End Date									2026-09
Maturity Date									2033-10
RMIT 2022-1
Line of Credit Facility [Line Items]
Issue Date				2022-02
Issue Amount				$ 250,000
Debt									$ 250,374
Restricted Cash Reserves									$ 2,646
Effective interest rate									3.60%
Revolving Period End Date									2025-02
Maturity Date									2032-03
RMIT 2024-1
Line of Credit Facility [Line Items]
Issue Date	[1]		2024-06
Issue Amount	[1]		$ 187,305
Debt	[1]								$ 187,788
Restricted Cash Reserves	[1]								$ 1,078
Effective interest rate	[1]								6.20%
Revolving Period End Date	[1]								2027-05
Maturity Date	[1]								2036-07
RMIT 2024-2
Line of Credit Facility [Line Items]
Issue Date	[2]	2024-11
Issue Amount	[2]	$ 250,000
Debt	[2]								$ 250,558
Restricted Cash Reserves	[2]								$ 1,418
Effective interest rate	[2]								5.30%
Revolving Period End Date	[2]								2026-11
Maturity Date	[2]								2033-12
Securitizations
Line of Credit Facility [Line Items]
Issue Amount									$ 1,441,005
Debt									1,162,432
Restricted Cash Reserves									$ 13,175
[1] In June 2024, the Company, its SPE, RMR III, and the Company’s indirect SPE, RMIT 2024-1, completed a private offering and sale of $ 187 million of asset-backed notes. The transaction consisted of the issuance of four classes of fixed-rate, asset-backed notes by RMIT 2024-1. The asset-backed notes are secured by finance receivables and other related assets that RMR III purchased from the Company, which RMR III then sold and transferred to RMIT 2024-1. Prior to maturity in July 2036, the Company may redeem the notes in full, but not in part, at its option on any note payment date on or after the payment date occurring in June 2027. No payments of principal of the notes will be made during the revolving period. In November 2024, the Company, its SPE, RMR III, and the Company’s indirect SPE, RMIT 2024-2, completed a private offering and sale of $ 250 million of asset-backed notes. The transaction consisted of the issuance of four classes of fixed-rate, asset-backed notes by RMIT 2024-1. The asset-backed notes are secured by finance receivables and other related assets that RMR III purchased from the Company, which RMR III then sold and transferred to RMIT 2024-1. Prior to maturity in December 2033, the Company may redeem the notes in full, but not in part, at its option on any note payment date on or after the payment date occurring in December 2026. No payments of principal of the notes will be made during the revolving period.

Debt - Summary Of Company's s_2

Debt - Summary Of Company's securitizations (Parenthetical) (Details) - USD ($) $ in Thousands	1 Months Ended		12 Months Ended
	Nov. 30, 2024	Jun. 30, 2024	Dec. 31, 2024	Dec. 31, 2022
Line of Credit Facility [Line Items]
Advances on securitizations			$ 437,305	$ 433,720
RMIT 2024-1
Line of Credit Facility [Line Items]
Advances on securitizations		$ 187,000
RMIT 2024-2
Line of Credit Facility [Line Items]
Advances on securitizations	$ 250,000

Debt - Summary of Estimated Pri

Debt - Summary of Estimated Principal Payments Required on Outstanding Debt (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Total	$ 1,478,336	$ 1,399,814
Payments Of Principal Of Gross Debt Excludes Interest
Debt Instrument [Line Items]
2025	466,626
2026	285,124
2027	499,389
2028	196,828
2029	26,296
Total	$ 1,474,263

Stockholders' Equity - Addition

Stockholders' Equity - Additional information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2022
Stockholders' Equity Note [Abstract]
Repurchase shares of common stock	$ 30,000,000
Stock repurchased, shares	105,000	437,000
Total cost of common stock repurchased	$ 3,540,000	$ 20,613,000
Stock repurchase program expiration date	Dec. 31, 2026

Stockholders' Equity - Schedule

Stockholders' Equity - Schedule of Repurchased Shares of Common Stock (Detail) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2022
Stockholders' Equity Note [Abstract]
Common stock repurchased	105,000	437,000
Weighted-average cost per share	$ 33.86	$ 47.14
Total cost of common stock repurchased	$ 3,540	$ 20,613

Stockholders' Equity - Schedu_2

Stockholders' Equity - Schedule of Dividends Declared Per Share of Common Stock (Detail) - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Stockholders' Equity Note [Abstract]
Dividends declared per common share	$ 1.20	$ 1.20	$ 1.20

Disclosure About Fair Value o_3

Disclosure About Fair Value of Financial Instruments - Carrying Amount and Estimated Fair Values of Company's Financial Instruments (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets
Restricted AFS investments	$ 21,712	$ 22,740
Net finance receivables, less unearned insurance premiums and allowance for credit losses	1,644,967	1,536,118
Level 1 [Member] | Carrying Amount [Member]
Assets
Cash	3,951	4,509
Restricted cash	131,684	124,164
Level 1 [Member] | Estimated Fair Value [Member]
Assets
Cash	3,951	4,509
Restricted cash	131,684	124,164
Level 3 [Member] | Carrying Amount [Member]
Assets
Net finance receivables, less unearned insurance premiums and allowance for credit losses	1,644,967	1,536,118
Liabilities:
Debt	1,478,336	1,399,814
Level 3 [Member] | Estimated Fair Value [Member]
Assets
Net finance receivables, less unearned insurance premiums and allowance for credit losses	1,695,325	1,603,737
Liabilities:
Debt	1,428,607	1,308,349
Level 2 [Member] | Carrying Amount [Member] | Fair Value, Recurring
Assets
Restricted AFS investments	21,712	22,740
Level 2 [Member] | Estimated Fair Value [Member] | Fair Value, Recurring
Assets
Restricted AFS investments	$ 21,712	$ 22,740

Income Taxes - Income Tax Expen

Income Taxes - Income Tax Expense Attributable to Total Income Before Income Taxes (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Current:
Federal	$ 7,886	$ 3,567	$ 7,383
State and local	724	1,146	1,948
Current total	8,610	4,713	9,331
Deferred:
Federal	3,821	289	5,247
State and local	417	(177)	(481)
Deferred total	4,238	112	4,766
Total	$ 12,848	$ 4,825	$ 14,097

Income Taxes - Schedule of Effe

Income Taxes - Schedule of Effective Income Tax Reconciliation (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Federal tax expense at statutory rate	$ 11,356	$ 4,364	$ 13,717
Increase (reduction) in income taxes resulting from:
State tax, net of federal benefit	1,124	882	1,134
Non-deductible compensation	1,334	1,021	627
Excess tax (benefits) deficiencies from share-based awards	(67)	301	(344)
Research and development	(859)	(1,459)	(1,222)
Other	(40)	(284)	185
Total	$ 12,848	$ 4,825	$ 14,097
Federal tax expense at statutory rate	21%	21%	21%
Increase (reduction) in income taxes resulting from:
State tax, net of federal benefit	2.10%	4.20%	1.70%
Non-deductible compensation	2.50%	4.90%	1%
Excess tax benefits from share-based awards	(0.10%)	1.40%	(0.50%)
Research and development	(1.60%)	(7.00%)	(1.90%)
Other	(0.10%)	(1.30%)	0.30%
Total tax expense	23.80%	23.20%	21.60%

Income Taxes - Net Deferred Tax

Income Taxes - Net Deferred Tax Assets and Liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deferred tax assets:
Allowance for credit losses	$ 47,296	$ 44,200
Lease liability	9,716	8,711
Unearned insurance commissions	7,760	7,729
Research and experimental expenditures	4,408	4,100
Share-based compensation	3,011	2,870
Accrued expenses	2,444	2,542
State net operating loss carryforward	1,638	1,548
Unearned premium reserves	234	225
Other	59	134
Deferred tax assets	76,566	72,059
Deferred tax liabilities:
Fair market value adjustment of net finance receivables	49,942	42,713
Lease assets	9,207	8,173
Deferred loan costs	4,162	3,658
Depreciation and software amortization	2,580	2,353
Prepaid expenses	1,305	1,521
Other	84
Deferred tax liabilities	67,280	58,418
Deferred tax assets, net	$ 9,286	$ 13,641

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
State net operating loss carryforward	$ 52,000
State net operating loss carryforwards expiration year	2032
Unrecognized tax benefits	$ 984	$ 733	$ 414
Interest and penalties, recognized tax benefits	$ 100	$ 100	$ 19

Income Taxes - Schedule of Unre

Income Taxes - Schedule of Unrecognized Tax Positions Reconciliation (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Beginning balance	$ 733	$ 414
Additions based on tax positions related to the current year	247	268	$ 233
Additions for tax positions of prior years	4	51	181
Ending balance	$ 984	$ 733	$ 414

Earnings Per Share - Computatio

Earnings Per Share - Computation of Basic and Diluted Earnings Per Share (Detail) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Numerator:
Net income	$ 41,227	$ 15,958	$ 51,224
Denominator:
Weighted-average shares outstanding for basic earnings per share	9,640,000	9,398,000	9,296,000
Effect of dilutive securities	317,000	195,000	360,000
Weighted-average shares adjusted for dilutive securities	9,957,000	9,593,000	9,656,000
Earnings per share:
Basic	$ 4.28	$ 1.70	$ 5.51
Diluted	$ 4.14	$ 1.66	$ 5.30

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Stock Compensation Plans [Member]
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Options to purchase common stock, Shares	200,000	400,000	300,000

Share-based Compensation - Addi

Share-based Compensation - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	May 16, 2024
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Share-based compensation expense	$ 11,171,000	$ 11,755,000	$ 10,768,000
Exercise period of options	10 years
Non-Employee Directors [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Non-employee director compensation grant period	5 days
Maximum [Member] | Graded and Cliff Vesting [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting period of options	5 years
2024 Plan [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Shares available for grant	500,000
Long Term Incentive Plan [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Performance target for achievement period	3 years			3 years
Holding period post vesting date	1 year
Long Term Incentive Plan [Member] | Minimum [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Percentage of performance target for achievement	0%			0%
Long Term Incentive Plan [Member] | Maximum [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Percentage of performance target for achievement	150%			150%
Stock Options [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Share-based compensation expense	$ 11,200,000	11,800,000	10,800,000
Unrecognized share-based compensation expense	$ 11,200,000
Capitalization of share-based compensation		$ 0	$ 0
Period of recognition of share-based compensation expense	1 year 7 months 6 days
Stock Options [Member] | Software [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Capitalization of share-based compensation	$ 800,000
Stock Options [Member] | 2024 Plan [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Maximum aggregate number of additional shares	381,000
Shares available for grant					1,000,000
Plan description	As of December 31, 2024, subject to adjustments as provided in the 2024 Plan, the maximum aggregate number of shares of the Company’s common stock that could be issued under the 2024 Plan could not exceed the sum of (i) 381,000 shares plus (ii) any shares remaining available for the grant of awards as of May 16, 2024 under the 2015 Plan, plus (iii) any shares subject to an award granted under the 2015 Plan which award is forfeited, cash-settled, cancelled, terminated, expires, or lapses for any reason after May 16, 2024 without the issuance of shares or pursuant to which such shares are forfeited (subject to adjustment for anti-dilution purposes as provided in the 2024 Plan). Of the amount described in the preceding sentence, no more than 381,000 shares may be issued under the 2024 Plan pursuant to the grant of incentive stock options (subject to adjustment for anti-dilution purposes). As of May 16, 2024, there were 1.0 million shares available for grant under the 2024 Plan, inclusive of shares previously available for grant under the 2015 Plan that were rolled over to the 2024 Plan.
Stock Options [Member] | 2024 Plan [Member] | Maximum [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Maximum aggregate number of additional shares	381,000
Restricted Stock [Member] | Key Team Member Incentive Plan [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Performance target for achievement period		1 year
Vesting period of options		2 years
Deferred compensation arrangement with individual, description		subject to performance over a one-year period. Payout under the program ranged from 0% to 150% of target based on the achievement of five Company performance metrics and individual performance goals (subject to continued employment and certain other terms and conditions of the program).
Restricted Stock [Member] | Key Team Member Incentive Plan [Member] | Minimum [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Percentage of performance target for achievement		0%
Restricted Stock [Member] | Key Team Member Incentive Plan [Member] | Maximum [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Percentage of performance target for achievement		150%

Share-based Compensation - Summ

Share-based Compensation - Summary of Company's Stock Option Plan Activity (Detail) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) $ / shares shares
Share-Based Payment Arrangement [Abstract]
Number of Shares, Options outstanding, Beginning balance | shares	509,000
Number of Shares, Exercised | shares	(65,000)
Number of Shares, Options outstanding, Ending balance | shares	444,000
Number of Shares, Options exercisable | shares	444,000
Weighted Average Exercise Price Per Share, Options outstanding, Beginning balance | $ / shares	$ 23.32
Weighted Average Exercise Price Per Share, Exercised | $ / shares	21.06
Weighted Average Exercise Price Per Share, Options outstanding, Ending balance | $ / shares	23.65
Weighted Average Exercise Price Per Share, Options exercisable | $ / shares	$ 23.65
Weighted Average Remaining Contractual Life (Years), Options outstanding	4 years 4 months 24 days
Weighted Average Remaining Contractual Life (Years), Options exercisable	4 years 4 months 24 days
Aggregate Intrinsic Value, Options outstanding | $	$ 4,584
Aggregate Intrinsic Value, Options exercisable | $	$ 4,584

Share-based Compensation - Su_2

Share-based Compensation - Summary of Additional Stock Option Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share Based Compensation Arrangement By Share Based Payment Award Options Additional Disclosures [Abstract]
Intrinsic value of options exercised	$ 718	$ 277	$ 2,142
Fair value of stock options that vested		$ 544	$ 849

Share-based Compensation - Awar

Share-based Compensation - Award Grant Fair Value Assumptions (Detail) - Performance Restricted Stock Units [Member] - Monte Carlo Valuation Model [Member]	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Expected volatility	42.48%	40.18%	39.24%
Expected dividends	2.30%	2.24%	0%
Risk-free rate	5.21%	5.21%	1.05%
Discount for post-vesting restrictions	9.19%	8.48%	11.93%

Share-based Compensation - Su_3

Share-based Compensation - Summary of PRSU Activity (Detail) - Performance Restricted Stock Units [Member] - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Non-vested shares at January 1, 2024	175
Granted	136
Achieved performance adjustment	0
Vested	0
Forfeited	0
Non-vested shares at December 31, 2024	311	175
Weighted Average Grant Date Fair Value, Non-vested units at January 1, 2024	$ 39.94
Weighted Average Grant Date Fair Value per Unit, Granted	26.21	$ 32.4	$ 52.07
Weighted Average Grant Date Fair Value Per Unit, Achieved performance adjustment	0
Weighted Average Grant Date Fair Value Per Unit, Vested	0
Weighted Average Grant Date Fair Value Per Unit, Forfeited	0
Weighted Average Grant Date Fair Value Non-vested units at December 31, 2024	$ 33.93	$ 39.94

Share-based Compensation - Su_4

Share-based Compensation - Summary of Additional PRSU Information (Detail) - Performance Restricted Stock Units [Member] - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Weighted Average Grant Date Fair Value per Unit, Granted	$ 26.21	$ 32.4	$ 52.07
Fair value of PRSUs that vested	$ 0	$ 0	$ 0

Share-based Compensation - Su_5

Share-based Compensation - Summary of Performance-contingent Restricted Stock Units Activity (Detail) - Performance-contingent Restricted Stock Units [Member] - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Non-vested shares at January 1, 2024	45
Granted	0
Achieved performance adjustment	0
Vested	(45)
Forfeited	0
Non-vested shares at December 31, 2024	0	45
Weighted Average Grant Date Fair Value, Non-vested units at January 1, 2024	$ 30.22
Weighted Average Grant Date Fair Value per Unit, Granted	0	$ 0	$ 0
Weighted Average Grant Date Fair Value Per Unit, Achieved performance adjustment	0
Weighted Average Grant Date Fair Value Per Unit, Vested	30.22
Weighted Average Grant Date Fair Value Per Unit, Forfeited	0
Weighted Average Grant Date Fair Value Non-vested units at December 31, 2024	$ 0	$ 30.22

Share-based Compensation - Su_6

Share-based Compensation - Summary of Additional Performance-contingent restricted Stock Units Information (Detail) - Performance-contingent Restricted Stock Units [Member] - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Weighted Average Grant Date Fair Value per Unit, Granted	$ 0	$ 0	$ 0
Fair value of RSUs that vested	$ 1,371	$ 1,445	$ 513

Share-based Compensation - Su_7

Share-based Compensation - Summary of Service-based RSU Activity (Detail) - Restricted Stock Units [Member] - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Non-vested shares at January 1, 2024	0
Granted	53
Vested	(18)
Forfeited	0
Non-vested shares at December 31, 2024	35	0
Weighted Average Grant Date Fair Value, Non-vested units at January 1, 2024	$ 0
Weighted Average Grant Date Fair Value per Unit, Granted	28.2	$ 0	$ 0
Weighted Average Grant Date Fair Value Per Unit, Vested	28.2
Weighted Average Grant Date Fair Value Per Unit, Forfeited	0
Weighted Average Grant Date Fair Value Non-vested units at December 31, 2024	$ 28.2	$ 0

Share-based Compensation - Su_8

Share-based Compensation - Summary of Additional Service-based RSU Information (Detail) - Service-based Restricted Stock Units [Member] - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Weighted Average Grant Date Fair Value per Unit, Granted	$ 28.2	$ 0	$ 0
Fair value of RSUs that vested	$ 500	$ 0	$ 0

Share-based Compensation - Su_9

Share-based Compensation - Summary of RSA Activity (Detail) - Restricted Stock [Member] - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Non-vested shares at January 1, 2024	190
Granted	372
Vested	(217)
Forfeited	(11)
Non-vested shares at December 31, 2024	334	190
Weighted Average Grant Date Fair Value, Non-vested units at January 1, 2024	$ 35.89
Weighted Average Grant Date Fair Value, Granted	28.52	$ 34.25	$ 40.76
Weighted Average Grant Date Fair Value, Vested	34.36
Weighted Average Grant Date Fair Value, Forfeited	31.83
Weighted Average Grant Date Fair Value Non-vested units at December 31, 2024	$ 28.8	$ 35.89

Share-based Compensation - S_10

Share-based Compensation - Summary of Additional RSA Information (Detail) - Restricted Stock [Member] - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Weighted-average grant date fair value per share	$ 28.52	$ 34.25	$ 40.76
Fair value of RSAs that vested	$ 7,467	$ 8,787	$ 7,274

Insurance Products and Reinsu_3

Insurance Products and Reinsurance of Certain Risks - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Non-life Insurance [Member]
Insurance [Line Items]
Unpaid claim reserves	$ 0	$ 0
Increase (decrease) in unpaid claim reserves	800,000	(200,000)	$ 500,000
Unearned Premium Reserves [Member] | Life Insurance [Member]
Insurance [Line Items]
Restricted cash and restricted available-for-sale investments	21,200,000	21,900,000
Unpaid Claim Reserves [Member] | Life Insurance [Member]
Insurance [Line Items]
Restricted cash and restricted available-for-sale investments	$ 1,200,000	$ 1,200,000

Insurance Products and Reinsu_4

Insurance Products and Reinsurance of Certain Risks - Schedule of Components of Insurance Income, Net (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Insurance [Abstract]
Earned premiums	$ 57,312	$ 59,830	$ 60,190
Claims, reserves, and certain direct expenses	(16,617)	(15,301)	(16,688)
Insurance income, net	$ 40,695	$ 44,529	$ 43,502

Segment Reporting - Additional

Segment Reporting - Additional Information (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) Segment	Dec. 31, 2023 USD ($)
Segment Reporting, Asset Reconciling Item [Line Items]
Number of reportable segment | Segment	1
Total assets | $	$ 1,909,109	$ 1,794,527
Segment Reporting, CODM, Profit (Loss) Measure, How Used, Description	The Company’s consolidated net income is the measure used by the CODM in evaluating the segment profit or loss of the Company. The CODM uses net income results and impacts to assess performance and drive decision-making when allocating resources.
Segment Reporting, CODM, Individual Title and Position or Group Name [Extensible Enumeration]	Chief Executive Officer [Member]

Segment Reporting - Summary of

Segment Reporting - Summary of Segment Profit or Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Segment Reporting, Reconciling Item for Operating Profit (Loss) from Segment to Consolidated [Line Items]
Interest income	$ 491,308	$ 454,856	$ 416,969
Fee income	37,586	34,842	33,885
Insurance income, net	40,695	44,529	43,502
Other income	18,914	17,172	12,831
Provision for credit losses	212,200	220,034	185,115
Share-based compensation expense	11,171	11,755	10,768
Depreciation and amortization expense	9,186	8,218	7,072
Interest expense	74,530	67,463	34,223
Income tax expense	$ 12,848	$ 4,825	$ 14,097

Segment Reporting - Summary o_2

Segment Reporting - Summary of Revenues from External Customers Product and Service (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Revenue from External Customer [Line Items]
Interest and fee income	$ 528,894	$ 489,698	$ 450,854
Insurance income, net	40,695	44,529	43,502
Other income	18,914	17,172	12,831
Total revenue	588,503	551,399	507,187
Large Loans [Member]
Revenue from External Customer [Line Items]
Interest and fee income	337,708	323,898	288,516
Small Loans [Member]
Revenue from External Customer [Line Items]
Interest and fee income	190,830	164,671	160,419
Retail Loans [Member]
Revenue from External Customer [Line Items]
Interest and fee income	$ 356	$ 1,129	$ 1,919

Segment Reporting - Summary o_3

Segment Reporting - Summary of Expenditures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Segment Reporting, Asset Reconciling Item [Line Items]
Lease assets expenditures	$ 11,541	$ 10,193	$ 9,071
Intangible assets expenditures	12,338	7,378	5,534
Property and equipment expenditures	$ 5,054	$ 4,692	$ 5,874

Subsequent Events - Additional

Subsequent Events - Additional Information (Detail) - $ / shares	1 Months Ended		12 Months Ended
	Feb. 28, 2025	Jan. 31, 2025	Dec. 31, 2024
Forecast [Member] | Quarterly Cash Dividend [Member]
Subsequent Event [Line Items]
Cash dividend per share	$ 0.30
Dividends payable, date to be paid	Mar. 13, 2025
Dividend date of record	Feb. 20, 2025
Dividend date of declaration	2025-02
RMR VI warehouse | Margin [Member]
Subsequent Event [Line Items]
Interest rate, basis spread			2.50%
RMR VI warehouse | Subsequent Event [Member]
Subsequent Event [Line Items]
Commitment termination date		2027-02
RMR VI warehouse | Subsequent Event [Member] | Margin [Member]
Subsequent Event [Line Items]
Interest rate, basis spread		2.05%