Regional Management (RM) 10-K16 Mar 152014 FY Annual reportFinancial data

Company Profile

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
Document and Entity Information (USD $)	Dec. 31, 2014	Mar. 09, 2015	Jun. 30, 2014
Document And Entity Information [Abstract]
Document Type	10-K
Amendment Flag	FALSE
Document Period End Date	31-Dec-14
Document Fiscal Year Focus	2014
Document Fiscal Period Focus	FY
Trading Symbol	RM
Entity Registrant Name	Regional Management Corp.
Entity Central Index Key	1519401
Current Fiscal Year End Date	-19
Entity Well-known Seasoned Issuer	No
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		12,853,743
Entity Public Float			$181,021,880

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Assets
Cash	$4,012	$4,121
Gross finance receivables	663,432	658,176
Less unearned finance charges, insurance premiums, and commissions	-117,240	-113,492
Finance receivables	546,192	544,684
Allowance for credit losses	-40,511	-30,089
Net finance receivables	505,681	514,595
Property and equipment, net of accumulated depreciation	8,905	7,100
Deferred tax asset, net	1,870
Repossessed assets at net realizable value	556	548
Goodwill	716	716
Intangible assets, net	847	1,386
Other assets	7,683	5,422
Total assets	530,270	533,888
Liabilities:
Senior revolving credit facility	341,419	362,750
Accounts payable and accrued expenses	10,528	7,312
Deferred tax liability, net		2,653
Total liabilities	351,947	372,715
Commitments and Contingencies
Stockholders' equity:
Preferred stock, $0.10 par value, 100,000,000 shares authorized, no shares issued or outstanding
Common stock, $0.10 par value, 1,000,000,000 shares authorized, 12,747,767 and 12,652,197 shares issued and outstanding at December 31, 2014 and 2013, respectively	1,275	1,265
Additional paid-in-capital	85,655	83,317
Retained earnings	91,393	76,591
Total stockholders' equity	178,323	161,173
Total liabilities and stockholders' equity	$530,270	$533,888

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Dec. 31, 2014	Dec. 31, 2013
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	12,747,767	12,652,197
Common stock, shares outstanding	12,747,767	12,652,197

Consolidated_Statements_of_Inc

Consolidated Statements of Income (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Revenue
Interest and fee income	$184,786	$152,343	$119,025
Insurance income, net	10,673	11,470	10,681
Other income	9,260	6,816	5,991
Total revenue	204,719	170,629	135,697
Expenses
Provision for credit losses	69,057	39,192	27,765
General and administrative expenses
Personnel	55,383	39,868	33,492
Occupancy	15,427	11,640	8,655
Marketing	6,330	3,980	2,767
Other	19,636	15,551	10,644
Consulting and advisory fees			1,451
Interest expense
Senior revolving credit facility and other debt	14,947	14,144	10,580
Mezzanine debt-related parties			1,030
Total interest expense	14,947	14,144	11,610
Total expenses	180,780	124,375	96,384
Income before income taxes	23,939	46,254	39,313
Income taxes	9,137	17,460	14,561
Net income	$14,802	$28,794	$24,752
Net income per common share:
Basic	$1.17	$2.29	$2.12
Diluted	$1.14	$2.23	$2.07
Weighted average common shares outstanding:
Basic	12,701,083	12,572,298	11,694,924
Diluted	12,951,441	12,893,693	11,980,748

Consolidated_Statements_of_Sto

Consolidated Statements of Stockholders' Equity (USD $)	Total	Common Stock [Member]	Additional Paid-in-Capital [Member]	Retained Earnings [Member]
In Thousands	Total	Common Stock [Member]	Additional Paid-in-Capital [Member]	Retained Earnings [Member]
Beginning Balance at Dec. 31, 2011	$52,129	$934	$28,150	$23,045
Sale of common stock	47,250	315	46,935
Share-based compensation	542		542
Underwriting discount and offering expense	-7,469		-7,469
Reclassification of temporary equity	12,000		12,000
Net income	24,752			24,752
Ending Balance at Dec. 31, 2012	129,204	1,249	80,158	47,797
Issuance of stock awards	869	2	867
Share-based compensation	702		702
Exercise of stock options	873	14	859
Excess tax benefit from exercise of stock options	731		731
Net income	28,794			28,794
Ending Balance at Dec. 31, 2013	161,173	1,265	83,317	76,591
Shares withheld related to net share settlement	-196	-2	-194
Issuance of restricted stock awards	7	7
Share-based compensation	2,253		2,253
Exercise of stock options	123	5	118
Excess tax benefit from exercise of stock options	161		161
Net income	14,802			14,802
Ending Balance at Dec. 31, 2014	$178,323	$1,275	$85,655	$91,393

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Cash flows from operating activities:
Net income	$14,802	$28,794	$24,752
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	69,057	39,192	27,765
Depreciation and amortization	3,790	3,459	2,598
Accretion of discounts on purchased receivables	-85	-434	-1,581
Amortization of share-based compensation	2,312	1,571	542
Fair value adjustment on interest rate caps		1	27
Deferred income taxes, net	-4,523	-3,294	5,962
Changes in operating assets and liabilities:
(Increase) decrease in other assets	-2,799	2,977	-1,295
Increase (decrease) in other liabilities	2,966	324	-1,048
Net cash provided by operating activities	85,520	72,590	57,722
Cash flows from investing activities:
Net origination of finance receivables	-59,962	-137,031	-127,652
Purchase of property and equipment	-4,442	-4,152	-1,996
Payment for business combination, net of cash	-128	-575	-28,388
Increase in restricted cash		-562
Purchase of finance receivables		-357	-975
Net cash used in investing activities	-64,532	-142,677	-159,011
Cash flows from financing activities:
Net advances (payments) on senior revolving credit facility	-21,331	70,371	86,370
Payments for debt issuance costs	-52	-1,065	-598
Proceeds from exercise of stock options	119	873
Excess tax benefits from exercise of stock options	167	731
Net proceeds from issuance of common stock			39,781
Repayment of mezzanine debt			-25,814
Decrease in cash overdraft			-1
Net cash provided by (used in) financing activities	-21,097	70,910	99,738
Net change in cash	-109	823	-1,551
Cash:
Beginning	4,121	3,298	4,849
Ending	4,012	4,121	3,298
Cash payments for interest
Paid to third parties	14,367	13,468	10,281
Paid to related parties			1,085
Cash payments for income taxes	$15,237	$16,205	$14,273

Nature_of_Business_and_Signifi

Nature of Business and Significant Accounting Policies	12 Months Ended
Nature of Business and Significant Accounting Policies	Dec. 31, 2014
Accounting Policies [Abstract]
Nature of Business and Significant Accounting Policies	Note 1. Nature of Business and Significant Accounting Policies

	Nature of business: Regional Management Corp. (the “Company”) was incorporated and began operations in 1987. The Company is engaged in the consumer finance business, offering small loans (branch small loans and convenience checks), large loans, automobile loans, retail loans, and related credit insurance. As of December 31, 2014, the Company operated offices in 300 locations in the states of Alabama (49 offices), Georgia (3 offices), New Mexico (13 offices), North Carolina (34 offices), Oklahoma (27 offices), South Carolina (70 offices), Tennessee (21 offices), and Texas (83 offices) under the names Regional Finance, RMC Financial Services, Anchor Finance, Superior Financial Services, First Community Credit, and Sun Finance. The Company opened or acquired 36, 43, and 51 net new offices during the years ended December 31, 2014, 2013, and 2012, respectively.

	The Company’s loan volume and corresponding finance receivables follow seasonal trends. Demand for the Company’s loans is typically highest during the third and fourth quarter, largely due to customers borrowing money for back-to-school and holiday spending. Loan demand has generally been the lowest during the first quarter, largely due to the timing of income tax refunds. In addition, the Company typically generates higher loan volumes in the second half of the year from direct mail campaigns, which are timed to coincide with seasonal consumer demand. Consequently, we experience significant seasonal fluctuations in our operating results and cash needs.

	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 and conform to general practices within the consumer finance industry.

	Business segments: The Company has one reportable segment, which is the consumer finance segment. The other revenue generating activities of the Company, including insurance operations, are performed in the existing branch network in conjunction with or as a complement to the lending operations.

	Principles of consolidation: The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. All significant intercompany balances and transactions have been eliminated in consolidation. The Company operates through a separate wholly-owned subsidiary in each state.

	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.

	Material estimates that are particularly susceptible to change relate to the determination of the allowance for credit losses, fair value of stock based compensation, the valuation of deferred tax assets and liabilities, and the allocation of the purchase price to assets acquired in business combinations.

	Reclassifications: Certain prior period amounts have been reclassified to conform to the current presentation. Such reclassifications had no impact on previously reported net income or stockholders’ equity.

	Statement of cash flows: Cash flows from finance receivables and the Company’s senior revolving credit facility are reported on a net basis.

	Finance receivables: 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 closed in the branch and are secured by non-essential household goods and, in some instances, an automobile. 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 the check. Large loan receivables are direct loans to customers and are typically secured by automobiles, other vehicles, and non-essential household goods. Automobile loan receivables consist of direct automobile purchase loans, which are originated at the dealership and closed in one of the Company’s branches, and indirect automobile purchase loans, which are originated and closed at a dealership in the Company’s network without the need for the customer to visit one of the Company’s branches. In each case, these automobile loans are collateralized primarily by used and new automobiles and, in the case of indirect loans, are initiated by and purchased from automobile dealerships, subject to the Company’s credit approval. Retail loan receivables consist principally of retail installment sales contracts collateralized by the purchase of furniture, appliances, and other retail items, and are initiated by and purchased from retailers, subject to the Company’s credit approval.

	Credit losses: Provisions for credit losses are charged to income as losses are estimated to have occurred and in amounts sufficient to maintain an allowance for credit losses at an adequate level to provide for losses on the finance receivables. In the past, the Company charged credit losses against the allowance when management believed the finance receivable was no longer collectible (discretionary element) or when the account was 365 days contractually delinquent (time-based element). The factors used to determine whether a finance receivable is uncollectible were the age of the account, supervisory review of collection efforts, and other factors such as customers relocating to an area where collection is not practical. In September 2014, the Company changed the time-based element of the charge-off policy from 365 days contractually delinquent to 180 days. In December 2014, the Company eliminated the discretionary element of the charge-off policy, subject to certain exceptions. The Company’s policy for non-titled accounts in a confirmed bankruptcy is to charge them off 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. The updated policy improves consistency and creates better alignment with industry practice. Subsequent recoveries, if any, are credited to the allowance. Loss experience, effective loan life, contractual delinquency of finance receivables by loan type, the value of underlying collateral, and management’s judgment are factors used in assessing the overall adequacy of the allowance and the resulting provision for credit losses. While management uses the best information available to make its evaluation, future adjustments to the allowance may be necessary if there are significant changes in economic conditions or portfolio performance. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revisions as more information becomes available.

	The Company initiates repossession proceedings when the customer is unlikely to make further payments in the opinion of management. The Company sells substantially all repossessed vehicle inventory through public sales conducted by independent automobile auction organizations after the required post-repossession waiting period. Losses on the sale of repossessed collateral are charged to the allowance for credit losses.

	The allowance for credit losses consists of general and specific components. The general component of the allowance estimates credit losses for groups of finance receivables on a collective basis and is based on historic loss rates. The Company’s general component of the allowance for credit losses relates to probable incurred losses of unimpaired finance receivables. The historical loss rate for the most recent six months (branch small loans and convenience checks), ten months (large and retail loans), and twelve months (automobile loans) as a percentage of average finance receivables is used to estimate the general allowance.

	The Company adjusts the computed historical loss percentages as described above for qualitative factors based on an assessment of internal and external influences on credit quality that are not fully reflected in the historical loss data. Those qualitative factors include trends in growth in the loan portfolio, delinquency, unemployment, bankruptcy, and other economic trends.



	Impaired finance receivables: The specific component of the allowance for credit losses relates to impaired finance receivables. Finance receivables that have been modified by bankruptcy proceedings are considered impaired and are accounted for in the aggregate as troubled debt restructurings. At the time of restructuring, a specific valuation allowance is established for such finance receivables within the allowance for credit losses. The Company computes the estimated impairment on its bankrupt loans by discounting the projected cash flows at the original contract rates on the loan using the terms imposed by the bankruptcy court. This method is applied in the aggregate to each of the Company’s five classes of loans. In making the computations of the present value of cash payments to be received on bankrupt accounts in each product category, the Company used the weighted-average interest rates and weighted-average remaining term based on data as of each balance sheet date.

	For customers in a confirmed Chapter 13 bankruptcy plan, the Company reduces the interest rate to that specified in the bankruptcy order and the Company receives payments with respect to the remaining amount of the loan from the bankruptcy trustee. For customers who recently filed for Chapter 13 bankruptcy, the Company generally does not receive any payments until their bankruptcy plan is confirmed by the court. If the customers have made payments to the trustee in advance of plan confirmation, the Company may receive a lump sum payment from the trustee once the plan is confirmed. This lump sum payment represents the Company’s pro-rata share of the amount paid by the customer. If a customer fails to comply with the terms of the bankruptcy order, the Company will petition the trustee to have the customer dismissed from bankruptcy. Upon dismissal, the Company restores the account to the original terms and pursues collection through its normal collection activities.

	If a customer files for bankruptcy under Chapter 7 of the bankruptcy code, the bankruptcy court has the authority to cancel the customer’s debt. If a vehicle secures a Chapter 7 bankruptcy account, the customer has the option of buying the vehicle at fair value or reaffirming the loan and continuing to pay the loan.

	Prior to the charge-off policy change in September 2014, the specific component of the allowance for credit losses included a full valuation allowance for finance receivables that were contractually delinquent 180 days and over. The charge-offs from the policy change were charged against this allowance as of September 2014.

	Delinquency: The Company determines past due status using the contractual terms of the finance receivable. This is one of the primary credit quality indicators used to evaluate the allowance for credit losses for each class of finance receivables.

	Repossessed assets: Repossessed collateral is valued at the lower of the receivable balance on the finance receivable prior to repossession or the estimated net realizable value. Management estimates net realizable value at the projected cash value upon liquidation, less costs to sell the related collateral.

	Property and equipment: The Company owns certain of its headquarters buildings and leases certain of its headquarters buildings. Office buildings owned are depreciated on the straight-line method for financial reporting purposes over their estimated useful lives of thirty-nine years. Branch offices are leased under non-cancellable leases of one to five years with renewal options. 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 three to five years. Maintenance and repairs are charged to expense as incurred.

	Income recognition: Interest income is recognized using the interest method, also known as the 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. Accrual of interest income on finance receivables is suspended when no payment has been received for 90 days or more on a contractual basis. The accrual of income is not resumed until one or more full contractual monthly payments are received and the finance receivable is less than 90 days contractually delinquent. Interest income is suspended on finance receivables for which collateral has been repossessed. Payments received on loans in nonaccrual status are first applied to interest, then to any late charges or other fees, with any remaining amount applied to principal.

	The Company recognizes income on credit life insurance using the sum-of-the-years’ digits method 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-related property and automobile insurance and 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 is the sum-of-the-years-digits method, and any difference between the GAAP method and the statutory method is recognized in income at the time of rebate.

	The Company defers fees charged to automobile dealers and recognizes income using the constant yield method for indirect loans and the straight-line method for direct loans over the lives of the respective loans.

	Charges for late fees are recognized as income when collected.

	Finance receivable origination fees and costs: Non-refundable fees received and direct 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 income at the time that finance receivables are paid in full.

	Share-based compensation: The Company has several share-based compensation plans. The stock option and other equity based awards are recognized at the grant date fair value. Awards classified as liabilities are re-measured at fair value for each reporting period. The costs are recognized on the income statement over the service period for awards expected to vest. All grants are made at 100% of the fair value on the date of the grant. The fair value of stock options is determined using the Black-Scholes valuation model. The Black-Scholes model requires the input of highly subjective assumptions, including expected volatility, risk-free interest rate, and expected life, changes to which can materially affect the fair value estimate. In addition, the estimation of stock-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. Prior to the initial public offering, there was no published market value for the Company’s stock; therefore, the performance of the common stock of a publicly traded company whose business is comparable to the Company was used to estimate the volatility of the Company’s stock. Beginning in 2014, the Company began using the value of its own stock to estimate volatility for options granted.

	Marketing costs: Marketing costs are expensed as incurred.

	Income taxes: The Company files federal and various state income tax returns. The Company is generally no longer subject to federal, state, or local income tax examinations by taxing authorities before 2011, with the exception of Texas, which is 2010.

	When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50% likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination.

Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the consolidated statements of income.

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.

Earnings per share: Earnings per share have been computed based on 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.

Government regulation: The Company is subject to various state and federal laws and regulations that require certain qualifications, initial and annual licensing, and impose limits on interest rates, other charges, and insurance premiums.

In 2010, Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act. Among other provisions, the bill created the Consumer Financial Protection Bureau (“CFPB”). The CFPB has the authority to promulgate regulations that could affect the Company’s business.

Concentrations_of_Credit_Risk

Concentrations of Credit Risk	12 Months Ended
Concentrations of Credit Risk	Dec. 31, 2014
Risks and Uncertainties [Abstract]
Concentrations of Credit Risk	Note 2. Concentrations of Credit Risk

	The Company’s portfolio of finance receivables is with customers living in five southeastern states (Alabama, Georgia, North Carolina, South Carolina, and Tennessee) and three southwestern states (Oklahoma, New Mexico, and Texas); consequently, such customers’ ability to honor their installment contracts may be affected by economic conditions in these areas. Additionally, the Company is exposed to a concentration of credit risk inherent in providing consumer finance products to borrowers who cannot obtain traditional bank financing.

	The Company also has a risk that its customers will seek protection from creditors by filing under the bankruptcy laws. When a customer files for bankruptcy protection, the Company must cease collection efforts and petition the bankruptcy court to obtain its collateral or work out a court approved bankruptcy plan involving the Company and all other creditors of the customer. It is the Company’s experience that such plans can take an extended period of time to conclude and usually involve a reduction in the interest rate from the rate in the contract to a court-approved rate.

	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_Allowance_

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information	12 Months Ended
	Dec. 31, 2014
Receivables [Abstract]
Finance Receivables, Allowance for Credit Losses, and Credit Quality Information	Note 3. Finance Receivables, Allowance for Credit Losses, and Credit Quality Information

	Finance receivables at December 31, 2014 and 2013 consisted of the following:



			2014				2013
	Branch small loans		$	128,217			$	109,776
	Convenience checks			191,316				179,203
	Large loans			46,147				43,311
	Automobile loans			154,382				181,126
	Retail loans			26,130				31,268

	Finance receivables		$	546,192			$	544,684


	Changes in the allowance for credit losses for the years ended December 31, 2014, 2013, and 2012 are as follows:



			2014				2013				2012
	Balance at beginning of year		$	30,089			$	23,616			$	19,300
	Provision for credit losses			69,057				39,192				27,765
	Charge-offs			(58,236	)			(33,750	)			(24,275	)
	Charge-offs (180+ policy change)			(2,106	)			—				—
	Recoveries			1,707				1,031				826

	Balance at end of year		$	40,511			$	30,089			$	23,616


	During the three months ended December 31, 2013, the Company changed its estimate for the allowance for credit losses based on analysis of the effective lives for all finance receivable portfolios. The methodology for estimating the allowance for credit losses changed from the trailing eight to trailing six month losses on branch small loans and convenience checks, trailing twelve to trailing ten month losses on large loans, and trailing twelve to trailing eleven month losses on retail loans. As a result, the Company decreased the allowance for credit losses by $3,901, which increased net income for the year ended December 31, 2013 by $2,428, or $0.19 diluted earnings per share. The Company recorded an offsetting $3,700 pre-tax increase to the allowance for credit losses for qualitative factors on finance receivable growth and delinquency and loss trends, which decreased net income for the year ended December 31, 2013 by $2,303, or $0.18 diluted earnings per share.

	In September 2014, the Company changed the time-based element of the charge-off policy from 365 days contractually delinquent to 180 days. The updated policy improves consistency and creates better alignment with industry practice. The policy change generated a one-time charge-off of $2,106 as of September 2014.

	The allowance for credit losses consists of general and specific components. Prior to the charge-off policy change in September 2014, the specific component included a full valuation allowance for finance receivables that were contractually delinquent 180 days or over. The $2,106 in charge-offs from the policy change were charged against this allowance as of September 2014 and, therefore, did not impact the provision for loan losses.

	The general component of the allowance estimates credit losses for groups of finance receivables on a collective basis and is based on historic loss rates (adjusted for qualitative factors). The charge-off policy change modifies this historic loss rate and the resulting general reserve. In addition, the Company converted bankrupt accounts with confirmed plans from the bankruptcy court from delinquent to current status. The bankrupt accounts continue to be accounted for as troubled debt restructurings and considered impaired finance receivables. As a net result of these changes, the Company increased the provision for credit losses by $318 during the three months ended September 30, 2014, which decreased net income for the year ended December 31, 2014 by $199, or $0.02 diluted earnings per share.



	The following is a reconciliation of the allowance for credit losses by product for the years ended December 31, 2014, 2013, and 2012:



			Balance				Provision				Charge-				Charge-offs				Recoveries			Balance			Finance			Allowance
			January 1,								offs				(180+							December 31,			Receivables			as
			2014												Policy							2014			December 31,			Percentage
															Change)										2014			of Finance
																												Receivable
																												December 31,
																												2014
	Branch small loans		$	5,166			$	13,760			$	(11,915	)		$	(505	)		$	454		$	6,960		$	128,217			5.4	%
	Convenience checks			10,204				36,995				(28,782	)			(627	)			530			18,320			191,316			9.6	%
	Large loans			2,233				1,985				(2,334	)			(203	)			299			1,980			46,147			4.3	%
	Automobile loans			10,827				14,259				(12,939	)			(688	)			317			11,776			154,382			7.6	%
	Retail loans			1,659				2,058				(2,266	)			(83	)			107			1,475			26,130			5.6	%

	Total		$	30,089			$	69,057			$	(58,236	)		$	(2,106	)		$	1,707		$	40,511		$	546,192			7.4	%


	The Company disaggregated “small loans” into “branch small loans” and “convenience checks” during the three months ended December 31, 2014 due to a change in the risk characteristics of the convenience check portfolio in that period.



		Balance				Provision				Charge-				Recoveries				Balance			Finance			Allowance
		January 1,								offs								December 31,			Receivables			as
		2013																2013			December 31,			Percentage
																					2013			of Finance
																								Receivable
																								December 31,
																								2013
Small loans		$	11,369			$	22,620			$	(19,108	)		$	489			$	15,370		$	288,979			5.3	%
Large loans			2,753				1,788				(2,630	)			322				2,233			43,311			5.2	%
Automobile loans			8,424				12,094				(9,875	)			184				10,827			181,126			6	%
Retail loans			1,070				2,690				(2,137	)			36				1,659			31,268			5.3	%

Total		$	23,616			$	39,192			$	(33,750	)		$	1,031			$	30,089		$	544,684			5.5	%




		Balance				Provision				Charge-				Recoveries				Balance			Finance			Allowance
		January 1,								offs								December 31,			Receivables			as
		2012																2012			December 31,			Percentage
																					2012			of Finance
																								Receivable
																								December 31,
																								2012
Small loans		$	8,838			$	15,225			$	(13,125	)		$	431			$	11,369		$	188,562			6	%
Large loans			2,448				3,288				(3,252	)			269				2,753			52,001			5.3	%
Automobile loans			7,618				7,888				(7,202	)			120				8,424			168,604			5	%
Retail loans			396				1,364				(696	)			6				1,070			30,307			3.5	%

Total		$	19,300			$	27,765			$	(24,275	)		$	826			$	23,616		$	439,474			5.4	%




Finance receivables associated with customers in bankruptcy as a percentage of total finance receivables were 1.1% and 1.3% for the years ended December 31, 2014 and 2013, respectively. The following is a summary of the finance receivables associated with customers in bankruptcy as of December 31, 2014 and 2013:



		2014				2013
Branch small loans		$	582			$	714
Convenience checks			544				784
Large loans			1,260				1,677
Automobile loans			3,698				3,706
Retail loans			119				143

Total		$	6,203			$	7,024


The contractual delinquency of the finance receivable portfolio by component at December 31, 2014 and 2013 was:



		December 31, 2014
		Branch Small								Convenience Check								Large						Automobile							Retail					Total
		$				%				$				%				$			%			$			%				$		%			$		%
Current		$	104,003				81.1	%		$	154,833				80.9	%		$	36,658			79.4	%	$	105,424			68.3	%		$	21,424		82	%	$	422,342		77.4	%
1 to 29 days delinquent			13,967				10.9	%			19,318				10.1	%			7,383			16	%		38,656			25	%			3,390		13	%		82,714		15.1	%

Delinquent accounts
30 to 59 days			3,647				2.8	%			5,134				2.7	%			1,036			2.3	%		5,651			3.7	%			483		1.8	%		15,951		2.9	%
60 to 89 days			2,275				1.8	%			4,442				2.3	%			483			1	%		2,114			1.4	%			310		1.2	%		9,624		1.8	%
90 to 119 days			1,857				1.4	%			3,312				1.8	%			263			0.6	%		1,266			0.8	%			201		0.8	%		6,899		1.2	%
120 to 149 days			1,478				1.2	%			2,343				1.2	%			204			0.4	%		758			0.5	%			205		0.8	%		4,988		0.9	%
150 to 179 days			990				0.8	%			1,934				1	%			120			0.3	%		513			0.3	%			117		0.4	%		3,674		0.7	%
180 days and over			—				0	%			—				0	%			—			0	%		—			0	%			—		0	%		—		0	%

Total delinquency		$	10,247				8	%		$	17,165				9	%		$	2,106			4.6	%	$	10,302			6.7	%		$	1,316		5	%	$	41,136		7.5	%

Total finance receivables		$	128,217				100	%		$	191,316				100	%		$	46,147			100	%	$	154,382			100	%		$	26,130		100	%	$	546,192		100	%

Finance receivables in nonaccrual status		$	4,325				3.4	%		$	7,589				4	%		$	587			1.3	%	$	2,537			1.6	%		$	523		2	%	$	15,561		2.8	%


		December 31, 2013
		Branch Small								Convenience Check								Large						Automobile							Retail					Total
		$				%				$				%				$			%			$			%				$		%			$		%
Current		$	84,196				76.7	%		$	143,720				80.2	%		$	32,513			75.1	%	$	122,313			67.5	%		$	24,829		79.4	%	$	407,571		74.9	%
1 to 29 days delinquent			15,369				14	%			20,056				11.2	%			7,788			18	%		45,841			25.3	%			4,249		13.6	%		93,303		17.1	%

Delinquent accounts
30 to 59 days			3,515				3.2	%			4,515				2.5	%			1,220			2.8	%		7,089			4	%			749		2.4	%		17,088		3.1	%
60 to 89 days			2,268				2.1	%			3,332				1.9	%			530			1.2	%		2,721			1.5	%			416		1.3	%		9,267		1.7	%
90 to 119 days			1,755				1.5	%			3,172				1.7	%			364			0.8	%		1,195			0.6	%			357		1.2	%		6,843		1.3	%
120 to 149 days			1,275				1.2	%			2,490				1.4	%			245			0.6	%		807			0.4	%			291		0.9	%		5,108		0.9	%
150 to 179 days			984				0.9	%			1,425				0.8	%			259			0.6	%		525			0.3	%			216		0.7	%		3,409		0.6	%
180 days and over			414				0.4	%			493				0.3	%			392			0.9	%		635			0.4	%			161		0.5	%		2,095		0.4	%

Total delinquency		$	10,211				9.3	%		$	15,427				8.6	%		$	3,010			6.9	%	$	12,972			7.2	%		$	2,190		7	%	$	43,810		8	%

Total finance receivables		$	109,776				100	%		$	179,203				100	%		$	43,311			100	%	$	181,126			100	%		$	31,268		100	%	$	544,684		100	%

Finance receivables in nonaccrual status		$	4,428				4	%		$	7,580				4.2	%		$	1,260			2.9	%	$	3,162			1.7	%		$	1,025		3.3	%	$	17,455		3.2	%




Following is a summary of finance receivables evaluated for impairment at December 31, 2014 and 2013:



		December 31, 2014
		Branch				Convenience				Large				Automobile				Retail			Total
		Small				Check				Large				Automobile				Retail			Total
Accounts 180 or more days past due, excluding accounts of customers in bankruptcy		$	—			$	—			$	—			$	—			$	—		$	—
Customers in Chapter 13 bankruptcy			582				544				1,260				3,698				119			6,203

Total impaired accounts specifically evaluated		$	582			$	544			$	1,260			$	3,698			$	119		$	6,203
Finance receivables evaluated collectively			127,635				190,772				44,887				150,684				26,011			539,989

Finance receivables outstanding		$	128,217			$	191,316			$	46,147			$	154,382			$	26,130		$	546,192

Accounts in bankruptcy in nonaccrual status		$	140			$	159			$	133			$	559			$	16		$	1,007

Amount of the specific reserve for impaired accounts		$	143			$	165			$	309			$	981			$	18		$	1,616

Average impaired accounts		$	1,097			$	1,266			$	1,616			$	4,134			$	235		$	8,348

Amount of the general component of the allowance		$	6,817			$	18,155			$	1,671			$	10,795			$	1,457		$	38,895


		December 31, 2013
		Branch				Convenience				Large				Automobile				Retail			Total
		Small				Check				Large				Automobile				Retail			Total
Accounts 180 or more days past due, excluding accounts of customers in bankruptcy		$	379			$	467			$	173			$	398			$	146		$	1,563
Customers in Chapter 13 bankruptcy			714				784				1,677				3,706				143			7,024

Total impaired accounts specifically evaluated		$	1,093			$	1,251			$	1,850			$	4,104			$	289		$	8,587
Finance receivables evaluated collectively			108,683				177,952				41,461				177,022				30,979			536,097

Finance receivables outstanding		$	109,776			$	179,203			$	43,311			$	181,126			$	31,268		$	544,684

Accounts in bankruptcy in nonaccrual status		$	308			$	359			$	426			$	804			$	58		$	1,955

Amount of the specific reserve for impaired accounts		$	574			$	672			$	756			$	1,565			$	180		$	3,747

Average impaired accounts		$	994			$	1,085			$	1,935			$	3,831			$	273		$	8,118

Amount of the general component of the allowance		$	4,592			$	9,532			$	1,477			$	9,262			$	1,479		$	26,342


It is not practical to compute the amount of interest earned on impaired loans.

Property_and_Equipment

Property and Equipment	12 Months Ended
Property and Equipment	Dec. 31, 2014
Property, Plant and Equipment [Abstract]
Property and Equipment	Note 4. Property and Equipment

	At December 31, 2014 and 2013, property and equipment consisted of the following:



		2014		2013
	Land and building	$	922	$	847
	Furniture, fixtures, and equipment		16,942		15,163
	Leasehold improvements		3,212		2,410

			21,076		18,420
	Less accumulated depreciation		12,171		11,320

		$	8,905	$	7,100


	Depreciation expense for the years ended December 31, 2014, 2013, and 2012 totaled $2,620, $2,174, and $1,492, respectively.

Leases

Leases	12 Months Ended
Leases	Dec. 31, 2014
Leases [Abstract]
Leases	Note 5. Leases

	Future minimum rent commitments under non-cancellable operating leases in effect as of December 31, 2014 are as follows:



	Year Ending December 31,	Amount
	2015	$	5,065
	2016		3,702
	2017		2,093
	2018		1,048
	2019		479
	Thereafter		54

		$	12,441


	Leases generally contain options to extend for periods from 1 to 10 years; the cost of such extensions is not included above. Rent expense for the years ended December 31, 2014, 2013, and 2012 equaled $5,153, $4,339, and $3,539, respectively. In addition to rent, the Company typically pays for all operating expenses, property taxes, and repairs and maintenance on properties that it leases.

Goodwill

Goodwill	12 Months Ended
Goodwill	Dec. 31, 2014
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	Note 6. Goodwill

	The following summarizes the changes in the carrying amount of goodwill for the year ended December 31, 2014 and 2013:



		2014		2013
	Balance at beginning of year:
	Goodwill	$	716	$	363
	Accumulated goodwill impairment losses		—		—

	Goodwill acquired during the year		—		353
	Impairment losses		—		—

	Balance at end of year:
	Goodwill		716		716
	Accumulated goodwill impairment losses		—		—

		$	716	$	716




	The Company performed an annual impairment test during the fourth quarter of fiscal 2014 and 2013 and determined that none of the recorded goodwill was impaired.

Intangibles

Intangibles	12 Months Ended
Intangibles	Dec. 31, 2014
Goodwill and Intangible Assets Disclosure [Abstract]
Intangibles	Note 7. Intangibles

	The following table provides the gross carrying amount and related accumulated amortization of definite-lived intangible assets:



		December 31, 2014				December 31, 2013
		Gross Carrying		Accumulated		Gross Carrying		Accumulated
		Amount		Amortization		Amount		Amortization
	Customer list	$	2,516	$	1,669	$	2,589	$	1,203


	Intangible amortization expense for the years ended December 31, 2014, 2013, and 2012 totaled $573, $676, and $779, respectively.

	The following table sets forth the future amortization of intangible assets:



	Year Ending December 31,	Amount
	2015	$	374
	2016		264
	2017		164
	2018		45

		$	847

Other_Assets

Other Assets	12 Months Ended
Other Assets	Dec. 31, 2014
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Other Assets	Note 8. Other Assets

	Other assets include the following at December 31, 2014 and 2013:



		2014		2013
	Restricted cash	$	1,900	$	1,900
	Prepaid expenses		1,896		1,478
	Income tax receivable		1,611		—
	Debt issuance costs, net of accumulated amortization		599		1,127
	Credit insurance receivable		873		688
	Other		804		229

		$	7,683	$	5,422

Debt

Debt	12 Months Ended
Debt	Dec. 31, 2014
Debt Disclosure [Abstract]
Debt	Note 9. Debt

	Following is a summary of the Company’s debt as of December 31, 2014 and 2013:



		2014		2013
	Senior revolving credit facility	$	341,419	$	362,750
	Secured line of credit		—		—

		$	341,419	$	362,750

	Unused amount of senior revolving credit facility, subject to borrowing base	$	158,581	$	137,250




	The Company’s senior revolving credit facility contains restrictive covenants. At December 31, 2014, the Company was in compliance with all debt covenants. In May 2013, the senior revolving credit facility was amended to increase the senior secured maximum available borrowings from $325,000 to $500,000. The accordion feature that allows for expansion was also increased from $75,000 to $100,000. Borrowings under the facility bear interest, payable monthly, at rates equal to LIBOR of a maturity the Company elects between one and six months, with a LIBOR floor of 1.00%, plus a margin of 3.00%. Alternatively, the Company may pay interest at a rate based on the prime rate plus a margin of 2.00%. The Company also pays an unused line fee of 50 basis points per annum, which declines to 37.5 basis points at certain usage levels. The current agreement is set to expire in May 2016. Advances on this agreement are at 85% of eligible finance receivables and are subject to adjustment at certain credit quality levels (80% as of December 31, 2014). The senior revolving credit facility is secured by substantially all of the Company’s finance receivables and equity interests of substantially all of its subsidiaries.

	The Company’s mezzanine debt was repaid in full from the proceeds of the Company’s initial public offering, which closed on April 2, 2012. The mezzanine debt was a $25,814 loan from one of the Company’s sponsors and three individual owners maturing October 25, 2013, secured by a junior lien on substantially all of the Company’s finance receivables. The agreement was subordinated to the senior bank debt. The interest rate was 15.25% per annum, of which 2% was payable in kind at the Company’s option.

	The Company had a $1,500 line of credit, which was secured by a mortgage on the Company’s headquarters, with a commercial bank to facilitate its cash management program. The interest rate was prime plus 0.25% with a minimum of 5.00%, and interest was payable monthly. The line of credit matured on January 18, 2015 and was replaced by a $3.0 million overdraft provision.

	The one-month LIBOR was 0.25% at December 31, 2014 and 2013, although under the senior revolving credit facility the minimum LIBOR rate is 1.0%. The prime rate was 3.25% at December 31, 2014 and 2013.

	Following is a summary of principal payments required on outstanding debt during each of the next five years:



	Year Ending December 31,	Amount
	2015	$	—
	2016		341,419
	2017		—
	2018		—
	2019		—

	Total	$	341,419

Interest_Rate_Cap

Interest Rate Cap	12 Months Ended
Interest Rate Cap	Dec. 31, 2014
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Interest Rate Cap	Note 10. Interest Rate Cap

	The Company had an interest rate cap with a notional amount of $150,000 and a strike rate of 6.0% that expired unused on March 4, 2014. There was no change in the value of the interest rate cap during 2014. The following is a summary of changes in the rate cap for 2013:



		2013
	Balance at end of prior year	$	1
	Purchases		—
	Fair value adjustment included as an (increase) in interest expense		(1	)

	Balance sheet at December 31, 2013, included in other assets	$	—

Disclosure_About_Fair_Value_of

Disclosure About Fair Value of Financial Instruments	12 Months Ended
Disclosure About Fair Value of Financial Instruments	Dec. 31, 2014
Fair Value Disclosures [Abstract]
Disclosure About Fair Value of Financial Instruments	Note 11. 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:

	Finance receivables: Finance receivables are originated at prevailing market rates. The Company’s finance receivable portfolio turns approximately 1.6 times per year. The portfolio turnover is calculated by dividing cash payments and renewals by the average finance receivables. Management believes that the carrying value approximates the fair value of its finance receivable portfolio.

	Repossessed assets: Repossessed assets are valued at the lower of the receivable balance on the finance receivable prior to repossession or the estimated net realizable value. The Company estimates net realizable value at the projected cash value upon liquidation, less costs to sell the related collateral.

	Debt: The Company refinanced its senior revolving credit facility in January 2012, and further amended the senior revolving credit facility in July 2012, March 2013, May 2013, and November 2013. As a result of the refinancing, the Company believes that the fair value of this variable rate debt approximates its carrying value at December 31, 2014. The Company also considered its creditworthiness in its determination of fair value.

	The carrying amount and estimated fair values of the Company’s financial instruments summarized by level are as follows:



		December 31, 2014				December 31, 2013
		Carrying		Estimated		Carrying		Estimated
		Amount		Fair Value		Amount		Fair Value
	Assets
	Level 1 inputs
	Cash	$	4,012	$	4,012	$	4,121	$	4,121
	Restricted cash		1,900		1,900		1,900		1,900
	Level 3 inputs
	Net finance receivables		505,681		505,681		514,595		514,595
	Repossessed assets		556		556		548		548
	Liabilities
	Level 3 inputs
	Senior revolving credit facility		341,419		341,419		362,750		362,750

	Certain of the Company’s assets carried at 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 market-based inputs or unobservable inputs that are corroborated by 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 carried 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.

	Certain assets are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The following table presents the assets carried on the balance sheet by level within the hierarchy as of December 31, 2014 and 2013 for which a nonrecurring change in fair value has been recorded during the years ended December 31, 2014 and 2013:



		Repossessed Assets
	December 31,	Total		Level 1		Level 2		Level 3		Total Losses
	2014	$	556	$	—	$	—	$	556	$	566
	2013	$	548	$	—	$	—	$	548	$	492

Income_Taxes

Income Taxes	12 Months Ended
Income Taxes	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Income Taxes	Note 12. 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 permitted by individual states in which it operates.

	Income tax expense was $9,137, $17,460, and $14,561 for the years ended December 31, 2014, 2013, and 2012, respectively, which differed from the amount computed by applying the federal income tax rate of 35% for the years ended December 31, 2014, 2013, and 2012 to total income before income taxes as a result of the following:



			2014				2013			2012
	Federal tax expense at statutory rate		$	8,379			$	16,189		$	13,760
	Increase (reduction) in income taxes resulting from:
	Small insurance company income exclusion			—				—			(451	)
	State tax, net of federal benefit			603				1,112			1,026
	Other			155				159			226

			$	9,137			$	17,460		$	14,561


	Income tax expense attributable to total income before income taxes consists of the following for the years ended December 31, 2014, 2013, and 2012:



			2014				2013			2012
	Current:
	Federal		$	11,827			$	18,297		$	7,467
	State and local			1,859				2,457			1,132

				13,686				20,754			8,599

	Deferred:
	Federal			(3,958	)			(2,549	)		5,516
	State and local			(591	)			(745	)		446

				(4,549	)			(3,294	)		5,962

	Total		$	9,137			$	17,460		$	14,561




	Net deferred tax assets and liabilities consist of the following as of December 31, 2014 and 2013:



			2014				2013
	Deferred tax assets:
	Allowance for credit losses		$	15,620			$	10,769
	Unearned insurance commissions			1,490				1,461
	Deferred loan fees			134				3,601
	Share-based compensation			1,694				988
	Amortization of intangible assets			609				501
	State net operating loss carryforward			69				—
	Accrued expenses			828				694
	Other			189				12

	Gross deferred tax assets			20,633				18,026

	Deferred tax liabilities:
	Fair market value adjustment of finance receivables			14,403				16,753
	Deferred loan costs			2,283				2,226
	Tax over book depreciation			1,403				1,182
	Prepaid expenses			518				510
	Other			156				8

Gross deferred tax liabilities			18,763				20,679

Net deferred tax asset (liability)		$	1,870			$	(2,653	)


The Company’s determination of the realization of the net deferred tax asset is based on its assessment of all available positive and negative evidence. At December 31, 2014, positive evidence supporting the realization of the deferred tax assets includes generation of taxable income for the two prior tax years and reversal of taxable temporary differences. At December 31, 2014, the Company has not identified significant negative evidence related to the realization of its deferred tax assets. At both December 31, 2014, and December 31, 2013, the Company is in a three-year cumulative pre-tax book income position. As noted below, the Company has certain state net operating loss carryforwards at December 31, 2014, and the Company expects to fully utilize these deferred tax assets within the state carryforward periods based on available evidence existing as of the balance sheet date.

As of December 31, 2014 and 2013, the Company has state net operating loss carryforwards of approximately $2.5 million and $0, respectively, which will be available to offset future taxable income. If not used, these carryforwards will expire between 2029 and 2034.

At December 31, 2014, the Company did not have any material uncertain tax positions.

Earnings_Per_Share

Earnings Per Share	12 Months Ended
Earnings Per Share	Dec. 31, 2014
Earnings Per Share [Abstract]
Earnings Per Share	Note 13. Earnings Per Share

	The following schedule reconciles the computation of basic and diluted earnings per share for the years ended December 31, 2014, 2013, and 2012:



		2014
		Net Income		Shares		Per Share
	Basic earnings per share
	Income available to common stockholders	$	14,802		12,701,083	$	1.17
	Effect of dilutive securities
	Options to purchase common stock		—		250,358		—

	Diluted earnings per share
	Income available to common stockholders plus assumed exercise of options to purchase common stock	$	14,802		12,951,441	$	1.14


	Options to purchase 478,131 shares of common stock between $15.00 and $33.93 per share were outstanding during the year ended December 31, 2014, but were not included in the computation of diluted earnings per share because they were anti-dilutive.



		2013
		Net Income		Shares		Per Share
	Basic earnings per share
	Income available to common stockholders	$	28,794		12,572,298	$	2.29
	Effect of dilutive securities
	Options to purchase common stock		—		321,395		—

	Diluted earnings per share
	Income available to common stockholders plus assumed exercise of options to purchase common stock	$	28,794		12,893,693	$	2.23


	Options to purchase 26,500 shares of common stock at $33.93 per share were outstanding during the year ended December 31, 2013, but were not included in the computation of diluted earnings per share because they were anti-dilutive.



		2012
		Net Income		Shares		Per Share
	Basic earnings per share
	Income available to common stockholders	$	24,752		11,694,924	$	2.12
	Effect of dilutive securities
	Options to purchase common stock		—		285,824		—

	Diluted earnings per share
	Income available to common stockholders plus assumed exercise of options to purchase common stock	$	24,752		11,980,748	$	2.07


	Options to purchase 310,000 shares of common stock at $15.00 per share were outstanding during the year ended December 31, 2012, but were not included in the computation of diluted earnings per share because they were anti-dilutive.

Related_Party_Transactions

Related Party Transactions	12 Months Ended
Related Party Transactions	Dec. 31, 2014
Related Party Transactions [Abstract]
Related Party Transactions	Note 14. Related Party Transactions

	Prior to the initial public offering in March 2012, the Company was majority owned by two sponsors and its former founding stockholders. The Company had consulting agreements with three of its individual owners that ended after the closing of the Company’s initial public offering in April 2012. Following is a summary of transactions during the years ended December 31, 2012 with the sponsors and the individual owners who retain an interest in the Company.



		Individual Owners		Sponsors
	2012:00:00
	Interest paid on mezzanine debt	$	195	$	812
	Financing fees		3		12
	Consulting/Advisory fees expense		563		888

Employee_Benefit_Plans

Employee Benefit Plans	12 Months Ended
Employee Benefit Plans	Dec. 31, 2014
Postemployment Benefits [Abstract]
Employee Benefit Plans	Note 15. Employee Benefit Plans

	Retirement savings plan: The Company has a defined contribution employee benefit plan (401(k) plan) covering full-time employees who have at least one year of service. The Company made a matching contribution equal to 100 percent of the first three percent of an employee’s gross income and 50 percent of the next two percent of gross income in 2014, 2013, and 2012. For the years ended December 31, 2014, 2013, and 2012, the Company recorded expense for the Company’s match of $451, $416, and $367, respectively.

	Health insurance plan: The Company has a fully insured health insurance plan where the per-employee cost is fixed for the plan year. Employees pay a portion of the cost and the Company pays the balance. The Company’s expense for the years ended December 31, 2014, 2013, and 2012 was $3,938, $2,724, and $1,907, respectively.

	Annual incentive plan: The Company maintains an annual incentive plan for executive officers and other management team members. The plan establishes 5 performance metrics with specific weighting factors. Amounts charged to operating expense under the annual incentive plan were $820, $597, and $545 for the years ended December 31, 2014, 2013, and 2012, respectively. These annual incentive plan payments are subject to approval by the compensation committee.

	Employment agreements: The Company has employment contracts or letter agreements with certain members of senior management. These contracts and agreements stipulate the payment of salary, bonus, perquisites, and share-based compensation to the affected individuals.

	In October 2014, the Company accepted the resignation of the Company’s Chief Executive Officer (“executive”). The resignation was treated as a termination without cause pursuant to the executive’s Employment Agreement, dated March 18, 2013. The Company entered into a Separation Agreement with the executive, dated December 11, 2014. The Employment Agreement and the Separation Agreement are attached as Exhibits 10.1 to the Current Reports on Form 8-K, filed with the SEC on March 21, 2013 and December 17, 2014, respectively. The expense related to the Separation Agreement was $1,153 for the three months ended December 31, 2014, which is included in personnel expense on the consolidated income statement.

ShareBased_Compensation

Share-Based Compensation	12 Months Ended
Share-Based Compensation	Dec. 31, 2014
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Share-Based Compensation	Note 16. Share-Based Compensation

	The Company previously adopted the 2007 Management Incentive Plan (the “2007 Stock Plan”) and the 2011 Stock Incentive Plan (the “2011 Stock Plan”). Under these plans, 1,987,412 shares of authorized common stock were reserved for issuance pursuant to grants approved by the Company’s Board of Directors (the “Board”). All grants are made at 100% of the fair value at the date of grant. As of December 31, 2014, there were 296,483 and 447,790 shares available for grant under the 2011 Stock Plan and 2007 Stock Plan, respectively. The 2007 Stock Plan is frozen with respect to future awards.



	For the years ended December 31, 2014, 2013, and 2012, the Company recorded share-based compensation expense in the amount of $2,312, $1,572, and $542, respectively. As of December 31, 2014, unrecognized share-based compensation expense to be recognized over future periods approximated $3,418. This amount will be recognized as expense over a weighted-average period of 2.4 years. Share-based compensation expenses are recognized on a straight-line basis over the requisite service period of the agreement. The total income tax benefit recognized in the income statement for the share-based compensation arrangements was $891, $258, and $211 for the years ended December 31, 2014, 2013, and 2012, respectively. All share-based compensation is classified as equity except where otherwise noted.

	Long-term incentive plan (“LTIP”): In October 2014, following consultation with its independent compensations consultants, the Compensation Committee of the Board approved certain compensation arrangements for certain of its employees. These arrangements, which were made pursuant to the terms of the 2011 Stock Plan, include the grant of nonqualified stock options, performance-contingent restricted stock units (“RSU”), and cash-settled performance shares (“PS”). The 2014 grants cliff vest on December 31, 2016 (subject to continued employment or as otherwise provided in the agreements). The actual value of the RSU and PS that may be earned can range from 0% to 150% of target based on the achievement of EBITDA (RSU) and EPS (PS) performance targets over a period of January 1, 2014 through December 31, 2016 for the 2014 grants.

	The Company had not acted to provide certain executives an LTIP for 2013. For that reason, in October 2014, the Company granted restricted stock awards that cliff vest at the end of the service period in February 2017 (subject to continued employment or as otherwise provided in the agreement).

	Board compensation plan: In October 2013, the Board revised its standard compensation arrangement for its non-employee directors. Effective for annual service years beginning in 2014, the Company will award its non-employee directors a cash retainer and shares of restricted common stock. The restricted stock awards will occur five days following the Company’s annual meeting of stockholders and will be fully vested upon the earlier of the first anniversary of the grant date or the completion of the directors’ annual service to the Company. Also, due to the fact that the Company had not yet acted to award its non-employee directors equity compensation for annual service commencing in 2013, the Company awarded each of its non-employee directors 4,484 shares of its common stock, effective October 2013. For the purpose of satisfying income tax obligations, each director was entitled, at his election, to forego up to 40% of the 4,484 shares subject to his award in order to receive a cash payment equivalent to the value of the foregone shares. The awards, which were made pursuant to the terms of the 2011 Stock Plan, were fully vested at the time of the grant and the Company incurred $1,200 of incremental director compensation expense for 2013.

	Stock options: Options granted under the 2007 Stock Plan vest 20% at the date of grant and 20% on the anniversary date of the grant each year thereafter for four years. Options granted under the 2011 Stock Plan prior to the LTIP grant in 2014 vest at 20% on the anniversary date of the grant each year for five years. In addition, all stock options vest and become exercisable in full under certain circumstances 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 are estimated on the grant date using the Black-Scholes option-pricing model with the following weighted-average assumptions for option grants during the years ended December 31, 2014, 2013, and 2012.



			2014				2013				2012
	Expected volatility			42.68	%			47.74	%			48.49	%
	Expected dividends			0	%			0	%			0	%
	Expected term (in years)			6.21				10				10
	Risk-free rate			1.94	%			2.03	%			2.2	%



	Expected volatility is based on the Company’s historical stock price volatility beginning in 2014. Prior years were based on the historic volatility of a publicly traded company in the same industry. The expected term is calculated by using the simplified method due to insufficient historical data. The risk-free rate is based on the zero coupon U.S. Treasury bond rate over the expected term of the awards.

	The following table summarizes the stock option activity for the year ended December 31, 2014 (shares in thousands):



			Number of				Weighted-				Weighted-			Aggregate
			Shares				Average				Average			Intrinsic
							Price				Remaining			Value
							Per Share				Contractual
											Life (Years)
	Options outstanding at January 1, 2014			866			$	10.7
	Granted			155				17.76
	Exercised			(46	)			5.88
	Forfeited			(72	)			16.9
	Expired			(7	)			15

	Options outstanding at December 31, 2014			896			$	11.63				4.5		$	4,520

	Options exercisable at December 31, 2014			621			$	8.81				2.8		$	4,465

	Available for grant at December 31, 2014			744


	The following table provides additional stock option information.



			Year Ended December 31,
			2014				2013				2012
	Weighted-average grant date fair value per award		$	7.83			$	12.09			$	9.07
	Intrinsic value of options exercised		$	584			$	2,448			$	—
	Fair value of stock options that vested		$	1,484			$	517			$	245

	Restricted stock units: Compensation expense for restricted stock units is based on the Company’s closing stock price on the date of grant and the probability that certain financial goals are achieved over the performance period. Compensation cost is estimated based on expected performance and is adjusted at each reporting period.

The following table summarizes restricted stock unit activity during the year ended December 31, 2014 (shares in thousands):



		2014
		Shares				Weighted-Average
						Grant Date
						Fair Value
Non-vested shares, beginning of the year			—			$	—
Granted			57				17.76
Vested			—				—
Forfeited			(22	)			17.76

Non-vested shares, end of the year			35			$	17.76


Cash-settled performance shares: Cash-settled performance shares will be settled in cash at the end of the performance measurement period and are classified as a liability. Compensation cost is estimated based on expected performance and is adjusted at each reporting period.



The following table summarizes cash settled performance share activity during the year ended December 31, 2014 (shares in thousands):



		2014
		Shares				Weighted-
						Average
						Grant Date
						Fair Value
Non-vested shares, beginning of the year			—			$	—
Granted			1,016				1
Vested			—				—
Forfeited			(387	)			1

Non-vested shares, end of the year			629			$	1


Restricted stock awards: The fair value and compensation cost of restricted stock is calculated using the Company’s closing stock price on the date of grant.

The following table summarizes restricted stock activity during the year ended December 31, 2014 (shares in thousands):



		2014
		Shares				Weighted-
						Average
						Grant Date
						Fair Value
Non-vested shares, beginning of the year			—			$	—
Granted			73				16.23
Vested			(13	)			17.76
Forfeited			—				—

Non-vested shares, end of the year			60			$	15.91


The following table provides additional restricted stock information.



		Year Ended December 31,
		2014				2013				2012
Weighted-average grant date fair value per award		$	16.23			$	33.74			$	—
Fair value of restricted stock that vested		$	224			$	870			$	—

Commitments_and_Contingencies

Commitments and Contingencies	12 Months Ended
Commitments and Contingencies	Dec. 31, 2014
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 17. Commitments and Contingencies

	On May 30, 2014, a securities class action lawsuit was filed in the United States District Court for the Southern District of New York against the Company and certain of its current and former directors, executive officers, and shareholders (collectively, the “Defendants”). The complaint alleged violations of the Securities Act of 1933 (“1933 Act Claims”) and sought unspecified compensatory damages and other relief on behalf of a purported class of purchasers of the Company’s common stock in the September 2013 and December 2013 secondary public offerings. On August 25, 2014, Waterford Township Police & Fire Retirement System and City of Roseville Employees’ Retirement System were appointed as lead plaintiffs (collectively, the “Plaintiffs”). An amended complaint was filed on November 24, 2014. In addition to the 1933 Act Claims, the amended complaint also added claims for violations of the Securities Exchange Act of 1934 (“1934 Act Claims”) seeking unspecified compensatory damages on behalf of a purported class of purchasers of the Company’s common stock between May 2, 2013 and October 30, 2014, inclusive. On January 26, 2015, the Defendants filed motions to dismiss the amended complaint in its entirety. In response, the Plaintiffs sought and were granted leave to file an amended complaint. On February 27, 2015, the Plaintiffs filed a second amended complaint. Like the prior amended complaint, the second amended complaint asserts 1933 Act Claims and 1934 Act Claims and seeks unspecified compensatory damages. The Defendants’ motion to dismiss is due on or about April 28, 2015. The Company believes that the claims against it are without merit and intends to defend against the litigation vigorously.

	The Company’s primary insurance carrier during the applicable time period has (i) denied coverage for the 1933 Act Claims and (ii) acknowledged coverage of the Company and other insureds for the 1934 Act Claims under a reservation of rights and subject to the terms and conditions of the applicable insurance policy. The parties are in the process of negotiating an allocation between denied and acknowledged claims.



	In the normal course of business, the Company has been named as a defendant in legal actions, including arbitrations, class actions, and other litigation arising in connection with its activities. Some of the actual or threatened legal actions include claims for compensatory and punitive damages or claims for indeterminate amounts of damages. While the Company will continue to identify legal actions where the Company 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 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. As of December 31, 2014, the Company has accrued $497 for these matters. In many actions, however, it is inherently difficult to determine whether any loss is probable or even reasonably possible or to estimate the amount of loss. 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.

	For certain legal actions, the Company cannot reasonably estimate such losses, particularly for actions that are in their early stages of development or where plaintiffs seek indeterminate damages. Numerous issues may need to be resolved, including through lengthy discovery and determination of important factual matters, and by addressing novel or unsettled legal questions relevant to the actions in question, before a loss or additional loss or range of loss or range of additional loss can be reasonably estimated for any given action.

	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.

	The Company expenses legal costs as they are incurred.

Credit_Insurance_Products

Credit Insurance Products	12 Months Ended
	Dec. 31, 2014
Insurance [Abstract]
Credit Insurance Products	Note 18. Credit Insurance Products

	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, property insurance, and involuntary unemployment insurance. The Company also collects a fee for collateral protection and purchases non-file insurance in lieu of recording and perfecting the Company’s security interest in the assets pledged on certain loans. Insurance premiums are remitted to an unaffiliated company that issues the policy to the customer. This unaffiliated company cedes the premiums to the Company’s wholly-owned insurance subsidiary, RMC Reinsurance, Ltd. Life insurance premiums are ceded to the Company as written and non-life products are ceded as earned.

	The Company maintains a cash reserve for life insurance claims in an amount determined by the ceding company. The cash reserve secures a letter of credit issued by a commercial bank in favor of the ceding company. The ceding company maintains the reserves for non-life claims.



	Reinsurance is accounted for over the period of the underlying reinsured policies using assumptions consistent with the policy terms. Following are total net premiums written and reinsured and total earned premiums for the years ended December 31, 2014, 2013, and 2012:



	Year Ending December 31,	Net Written		Earned
		Premiums		Premiums
	2014	$	17,831	$	17,385
	2013		17,260		16,057
	2012		15,718		14,473

	RMC Reinsurance, Ltd. is required to maintain cash reserves for a letter of credit against life insurance policies ceded to it, as determined by the ceding company. In April 2013, the letter of credit was increased to $1,900 in favor of the ceding company. The letter of credit is secured by a cash deposit of $1,900. The cash securing the letter of credit is presented as restricted cash in the other asset category in the accompanying balance sheets, which totaled $1,900 and $1,900 at December 31, 2014 and 2013, respectively.

	The Company has a collateral protection collision insurance (“CPI”) program. CPI is added to a loan when a customer fails to provide the Company with proof of collision insurance on an automobile securing a loan. The CPI program is administered by an independent third party, which tracks insurance lapses and cancellations and issues a policy when the customer does not provide proof of insurance. The insurance is added to the loan and increases the customers’ monthly loan payment. The third party and its insurance partner retain a percentage of the premium and pay all claims. The Company earns a commission for policies issued prior to July 1, 2014. Income is recognized on the constant yield method over the life of the insurance policy, which is generally one year. The Company does not earn a commission on policies issued on and after July 1, 2014.

	The Company offers a self-insured Guaranteed Auto Protection (“GAP”) coverage to customers in North Carolina and Alabama. A GAP program is a contractual arrangement whereby the Company forgives the remaining balance of the insured customer’s automobile purchase loan if the automobile is determined to be a total loss by the primary insurance carrier and insurance proceeds are not sufficient to pay off the customer’s loan. The Company recognized $185, $242, and $251 of net GAP revenue for the years ended December 31, 2014, 2013, and 2012, respectively. This revenue is recognized over the life of the loan. Losses are recognized in the period in which they occur.

Business_Combination

Business Combination	12 Months Ended
Business Combination	Dec. 31, 2014
Business Combinations [Abstract]
Business Combination	Note 19. Business Combination

	The following table sets forth the business combination activity for the year ended December 31, 2014 and 2013:



		2014		2013
	Branches purchased		1		2
	Branches merged into existing offices		—		—

	Net new offices		1		2

	Tangible assets:
	Net finance receivables	$	96	$	211
	Property and equipment		—		11
	Other		—		—
	Intangible assets:
	Customer list		32		—
	Goodwill		—		353

	Total purchase price	$	128	$	575




	The Company evaluates each acquisition to determine if it meets the definition of a business combination. The Company accounts for a transaction as a business combination if it meets the definition, which typically occurs when it assumes the lease, retains the location as a new branch, and offers employment to the existing employees. All other transactions are accounted for as a purchase of assets.

	For transactions accounted for as a business combination, the purchase price for assets acquired is allocated to the estimated fair value of the tangible and intangible assets acquired. The remainder is allocated to goodwill.

	The Company records acquired finance receivables at fair value, which is determined using discounted cash flow methodologies. Property and equipment are valued at the mutually agreed upon purchase price, which management believes approximates fair value.

	On August 18, 2014, the Company purchased the assets of one branch in a business combination with a consumer loan company in the state of Texas for a cash purchase price of $128. The Company offered employment to the existing employees of the location. This acquisition was completed to expand the Company’s operations in the state of Texas. On April 5, 2013, the Company purchased the assets of two branches in a business combination with a consumer loan company in the state of Georgia for a cash purchase price of $575. The Company offered employment to the existing employees of such locations. This acquisition was completed to expand the Company’s operations in the state of Georgia.

	The results of all business combinations have been included in the Company’s Consolidated Financial Statements since the respective acquisition dates. The pro forma impact of these purchases as though they had been acquired at the beginning of the periods presented would not have a material effect on the results of operations as reported.

Quarterly_Information_unaudite

Quarterly Information (unaudited)	12 Months Ended
Quarterly Information (unaudited)	Dec. 31, 2014
Quarterly Financial Information Disclosure [Abstract]
Quarterly Information (unaudited)	Note 20: Quarterly Information (unaudited)

	The following tables summarize the Company’s quarterly financial information for each of the four quarters of 2014 and 2013:



		2014
		First		Second		Third		Fourth
	Total revenue	$	49,581	$	47,437	$	53,909	$	53,792
	Provision for credit losses		16,945		13,620		22,542		15,950
	General and administrative expenses		19,898		23,198		25,284		28,396
	Interest expense		3,763		3,556		3,848		3,780
	Income tax		3,365		2,649		838		2,285
	Net income	$	5,610	$	4,414	$	1,397	$	3,381
	Net income per common share:
	Basic	$	0.44	$	0.35	$	0.11	$	0.27
	Diluted	$	0.43	$	0.34	$	0.11	$	0.26



		2013
		First		Second		Third		Fourth
	Total revenue	$	38,600	$	39,182	$	44,305	$	48,542
	Provision for credit losses		8,071		8,405		11,078		11,638
	General and administrative expenses		16,686		17,339		17,534		19,480
	Interest expense		3,081		3,241		3,913		3,909
	Income tax		3,998		3,793		4,539		5,130
	Net income	$	6,764	$	6,404	$	7,241	$	8,385
	Net income per common share:
	Basic	$	0.54	$	0.51	$	0.58	$	0.66
	Diluted	$	0.53	$	0.5	$	0.56	$	0.65

Subsequent_Events

Subsequent Events	12 Months Ended
Subsequent Events	Dec. 31, 2014
Subsequent Events [Abstract]
Subsequent Events	Note 21: Subsequent Events

	In January 2015, the Company entered into an Employment Agreement with its Chief Executive Officer. The Employment Agreement is attached as Exhibit 10.1 to the Current Report on Form 8-K, filed with the SEC on January 14, 2015. Pursuant to the Employment Agreement, the Company granted the executive common stock and recognized $1.5 million of expense in the first quarter of 2015.

Nature_of_Business_and_Signifi1

Nature of Business and Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2014
Accounting Policies [Abstract]
Nature of business	Nature of business: Regional Management Corp. (the “Company”) was incorporated and began operations in 1987. The Company is engaged in the consumer finance business, offering small loans (branch small loans and convenience checks), large loans, automobile loans, retail loans, and related credit insurance. As of December 31, 2014, the Company operated offices in 300 locations in the states of Alabama (49 offices), Georgia (3 offices), New Mexico (13 offices), North Carolina (34 offices), Oklahoma (27 offices), South Carolina (70 offices), Tennessee (21 offices), and Texas (83 offices) under the names Regional Finance, RMC Financial Services, Anchor Finance, Superior Financial Services, First Community Credit, and Sun Finance. The Company opened or acquired 36, 43, and 51 net new offices during the years ended December 31, 2014, 2013, and 2012, respectively.

	The Company’s loan volume and corresponding finance receivables follow seasonal trends. Demand for the Company’s loans is typically highest during the third and fourth quarter, largely due to customers borrowing money for back-to-school and holiday spending. Loan demand has generally been the lowest during the first quarter, largely due to the timing of income tax refunds. In addition, the Company typically generates higher loan volumes in the second half of the year from direct mail campaigns, which are timed to coincide with seasonal consumer demand. Consequently, we experience significant seasonal fluctuations in our operating results and cash needs.
Business segments	Business segments: The Company has one reportable segment, which is the consumer finance segment. The other revenue generating activities of the Company, including insurance operations, are performed in the existing branch network in conjunction with or as a complement to the lending operations.
Principles of consolidation	Principles of consolidation: The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. All significant intercompany balances and transactions have been eliminated in consolidation. The Company operates through a separate wholly-owned subsidiary in each state.
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.
Use of estimates	Material estimates that are particularly susceptible to change relate to the determination of the allowance for credit losses, fair value of stock based compensation, the valuation of deferred tax assets and liabilities, and the allocation of the purchase price to assets acquired in business combinations.
Reclassifications	Reclassifications: Certain prior period amounts have been reclassified to conform to the current presentation. Such reclassifications had no impact on previously reported net income or stockholders’ equity.
Statement of cash flows	Statement of cash flows: Cash flows from finance receivables and the Company’s senior revolving credit facility are reported on a net basis.
Finance receivables	Finance receivables: 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 closed in the branch and are secured by non-essential household goods and, in some instances, an automobile. 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 the check. Large loan receivables are direct loans to customers and are typically secured by automobiles, other vehicles, and non-essential household goods. Automobile loan receivables consist of direct automobile purchase loans, which are originated at the dealership and closed in one of the Company’s branches, and indirect automobile purchase loans, which are originated and closed at a dealership in the Company’s network without the need for the customer to visit one of the Company’s branches. In each case, these automobile loans are collateralized primarily by used and new automobiles and, in the case of indirect loans, are initiated by and purchased from automobile dealerships, subject to the Company’s credit approval. Retail loan receivables consist principally of retail installment sales contracts collateralized by the purchase of furniture, appliances, and other retail items, and are initiated by and purchased from retailers, subject to the Company’s credit approval.
Credit losses	Credit losses: Provisions for credit losses are charged to income as losses are estimated to have occurred and in amounts sufficient to maintain an allowance for credit losses at an adequate level to provide for losses on the finance receivables. In the past, the Company charged credit losses against the allowance when management believed the finance receivable was no longer collectible (discretionary element) or when the account was 365 days contractually delinquent (time-based element). The factors used to determine whether a finance receivable is uncollectible were the age of the account, supervisory review of collection efforts, and other factors such as customers relocating to an area where collection is not practical. In September 2014, the Company changed the time-based element of the charge-off policy from 365 days contractually delinquent to 180 days. In December 2014, the Company eliminated the discretionary element of the charge-off policy, subject to certain exceptions. The Company’s policy for non-titled accounts in a confirmed bankruptcy is to charge them off 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. The updated policy improves consistency and creates better alignment with industry practice. Subsequent recoveries, if any, are credited to the allowance. Loss experience, effective loan life, contractual delinquency of finance receivables by loan type, the value of underlying collateral, and management’s judgment are factors used in assessing the overall adequacy of the allowance and the resulting provision for credit losses. While management uses the best information available to make its evaluation, future adjustments to the allowance may be necessary if there are significant changes in economic conditions or portfolio performance. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revisions as more information becomes available.

	The Company initiates repossession proceedings when the customer is unlikely to make further payments in the opinion of management. The Company sells substantially all repossessed vehicle inventory through public sales conducted by independent automobile auction organizations after the required post-repossession waiting period. Losses on the sale of repossessed collateral are charged to the allowance for credit losses.

	The allowance for credit losses consists of general and specific components. The general component of the allowance estimates credit losses for groups of finance receivables on a collective basis and is based on historic loss rates. The Company’s general component of the allowance for credit losses relates to probable incurred losses of unimpaired finance receivables. The historical loss rate for the most recent six months (branch small loans and convenience checks), ten months (large and retail loans), and twelve months (automobile loans) as a percentage of average finance receivables is used to estimate the general allowance.

	The Company adjusts the computed historical loss percentages as described above for qualitative factors based on an assessment of internal and external influences on credit quality that are not fully reflected in the historical loss data. Those qualitative factors include trends in growth in the loan portfolio, delinquency, unemployment, bankruptcy, and other economic trends.
Impaired finance receivables	Impaired finance receivables: The specific component of the allowance for credit losses relates to impaired finance receivables. Finance receivables that have been modified by bankruptcy proceedings are considered impaired and are accounted for in the aggregate as troubled debt restructurings. At the time of restructuring, a specific valuation allowance is established for such finance receivables within the allowance for credit losses. The Company computes the estimated impairment on its bankrupt loans by discounting the projected cash flows at the original contract rates on the loan using the terms imposed by the bankruptcy court. This method is applied in the aggregate to each of the Company’s five classes of loans. In making the computations of the present value of cash payments to be received on bankrupt accounts in each product category, the Company used the weighted average interest rates and weighted average remaining term based on data as of each balance sheet date.

	For customers in a confirmed Chapter 13 bankruptcy plan, the Company reduces the interest rate to that specified in the bankruptcy order and the Company receives payments with respect to the remaining amount of the loan from the bankruptcy trustee. For customers who recently filed for Chapter 13 bankruptcy, the Company generally does not receive any payments until their bankruptcy plan is confirmed by the court. If the customers have made payments to the trustee in advance of plan confirmation, the Company may receive a lump sum payment from the trustee once the plan is confirmed. This lump sum payment represents the Company’s pro-rata share of the amount paid by the customer. If a customer fails to comply with the terms of the bankruptcy order, the Company will petition the trustee to have the customer dismissed from bankruptcy. Upon dismissal, the Company restores the account to the original terms and pursues collection through its normal collection activities.

	If a customer files for bankruptcy under Chapter 7 of the bankruptcy code, the bankruptcy court has the authority to cancel the customer’s debt. If a vehicle secures a Chapter 7 bankruptcy account, the customer has the option of buying the vehicle at fair value or reaffirming the loan and continuing to pay the loan.

	Prior to the charge-off policy change in September 2014, the specific component of the allowance for credit losses included a full valuation allowance for finance receivables that were contractually delinquent 180 days and over. The charge-offs from the policy change were charged against this allowance as of September 2014.
Delinquency	Delinquency: The Company determines past due status using the contractual terms of the finance receivable. This is one of the primary credit quality indicators used to evaluate the allowance for credit losses for each class of finance receivables.
Repossessed assets	Repossessed assets: Repossessed collateral is valued at the lower of the receivable balance on the finance receivable prior to repossession or the estimated net realizable value. Management estimates net realizable value at the projected cash value upon liquidation, less costs to sell the related collateral.
Property and equipment	Property and equipment: The Company owns certain of its headquarters buildings and leases certain of its headquarters buildings. Office buildings owned are depreciated on the straight-line method for financial reporting purposes over their estimated useful lives of thirty-nine years. Branch offices are leased under non-cancellable leases of one to five years with renewal options. 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 three to five years. Maintenance and repairs are charged to expense as incurred.
Income recognition	Income recognition: Interest income is recognized using the interest method, also known as the 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. Accrual of interest income on finance receivables is suspended when no payment has been received for 90 days or more on a contractual basis. The accrual of income is not resumed until one or more full contractual monthly payments are received and the finance receivable is less than 90 days contractually delinquent. Interest income is suspended on finance receivables for which collateral has been repossessed. Payments received on loans in nonaccrual status are first applied to interest, then to any late charges or other fees, with any remaining amount applied to principal.

	The Company recognizes income on credit life insurance using the sum-of-the-years’ digits method 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-related property and automobile insurance and 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 is the sum-of-the-years-digits method, and any difference between the GAAP method and the statutory method is recognized in income at the time of rebate.

	The Company defers fees charged to automobile dealers and recognizes income using the constant yield method for indirect loans and the straight-line method for direct loans over the lives of the respective loans.

	Charges for late fees are recognized as income when collected.
Finance receivable origination fees and costs	Finance receivable origination fees and costs: Non-refundable fees received and direct 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 income at the time that finance receivables are paid in full.
Share-based compensation	Share-based compensation: The Company has several share-based compensation plans. The stock option and other equity based awards are recognized at the grant date fair value. Awards classified as liabilities are re-measured at fair value for each reporting period. The costs are recognized on the income statement over the service period for awards expected to vest. All grants are made at 100% of the fair value on the date of the grant. The fair value of stock options is determined using the Black-Scholes valuation model. The Black-Scholes model requires the input of highly subjective assumptions, including expected volatility, risk-free interest rate, and expected life, changes to which can materially affect the fair value estimate. In addition, the estimation of stock-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. Prior to the initial public offering, there was no published market value for the Company’s stock; therefore, the performance of the common stock of a publicly traded company whose business is comparable to the Company was used to estimate the volatility of the Company’s stock. Beginning in 2014, the Company began using the value of its own stock to estimate volatility for options granted.
Marketing costs	Marketing costs: Marketing costs are expensed as incurred.
Income taxes	Income taxes: The Company files federal and various state income tax returns. The Company is generally no longer subject to federal, state, or local income tax examinations by taxing authorities before 2011, with the exception of Texas, which is 2010.

	When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50% likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination.



	Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the consolidated statements of income.

	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.
Earnings per share	Earnings per share: Earnings per share have been computed based on 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.
Government regulation	Government regulation: The Company is subject to various state and federal laws and regulations that require certain qualifications, initial and annual licensing, and impose limits on interest rates, other charges, and insurance premiums.

	In 2010, Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act. Among other provisions, the bill created the Consumer Financial Protection Bureau (“CFPB”). The CFPB has the authority to promulgate regulations that could affect the Company’s business.

Finance_Receivables_Allowance_1

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information (Tables)	12 Months Ended
	Dec. 31, 2014
Receivables [Abstract]
Summary of Finance Receivables	Finance receivables at December 31, 2014 and 2013 consisted of the following:



		2014			2013
	Branch small loans	$	128,217		$	109,776
	Convenience checks		191,316			179,203
	Large loans		46,147			43,311
	Automobile loans		154,382			181,126
	Retail loans		26,130			31,268

	Finance receivables	$	546,192		$	544,684

Summary of Changes in Allowance for Credit Losses	Changes in the allowance for credit losses for the years ended December 31, 2014, 2013, and 2012 are as follows:



		2014			2013			2012
	Balance at beginning of year	$	30,089		$	23,616		$	19,300
	Provision for credit losses		69,057			39,192			27,765
	Charge-offs		(58,236	)		(33,750	)		(24,275	)
	Charge-offs (180+ policy change)		(2,106	)		—			—
	Recoveries		1,707			1,031			826

	Balance at end of year	$	40,511		$	30,089		$	23,616

Reconciliation of Allowance for Credit Losses	The following is a reconciliation of the allowance for credit losses by product for the years ended December 31, 2014, 2013, and 2012:



		Balance			Provision			Charge-			Charge-offs			Recoveries		Balance			Finance			Allowance
		January 1,						offs			(180+					December 31,			Receivables			as
		2014									Policy					2014			December 31,			Percentage
											Change)								2014			of Finance
																						Receivable
																						December 31,
																						2014
	Branch small loans	$	5,166		$	13,760		$	(11,915	)	$	(505	)	$	454	$	6,960		$	128,217			5.4	%
	Convenience checks		10,204			36,995			(28,782	)		(627	)		530		18,320			191,316			9.6	%
	Large loans		2,233			1,985			(2,334	)		(203	)		299		1,980			46,147			4.3	%
	Automobile loans		10,827			14,259			(12,939	)		(688	)		317		11,776			154,382			7.6	%
	Retail loans		1,659			2,058			(2,266	)		(83	)		107		1,475			26,130			5.6	%

	Total	$	30,089		$	69,057		$	(58,236	)	$	(2,106	)	$	1,707	$	40,511		$	546,192			7.4	%






		Balance			Provision			Charge-			Recoveries			Balance		Finance			Allowance
		January 1,						offs						December 31,		Receivables			as
		2013												2013		December 31,			Percentage
																2013			of Finance
																			Receivable
																			December 31,
																			2013
	Small loans	$	11,369		$	22,620		$	(19,108	)	$	489		$	15,370	$	288,979			5.3	%
	Large loans		2,753			1,788			(2,630	)		322			2,233		43,311			5.2	%
	Automobile loans		8,424			12,094			(9,875	)		184			10,827		181,126			6	%
	Retail loans		1,070			2,690			(2,137	)		36			1,659		31,268			5.3	%

	Total	$	23,616		$	39,192		$	(33,750	)	$	1,031		$	30,089	$	544,684			5.5	%




		Balance			Provision			Charge-			Recoveries			Balance		Finance			Allowance
		January 1,						offs						December 31,		Receivables			as
		2012												2012		December 31,			Percentage
																2012			of Finance
																			Receivable
																			December 31,
																			2012
	Small loans	$	8,838		$	15,225		$	(13,125	)	$	431		$	11,369	$	188,562			6	%
	Large loans		2,448			3,288			(3,252	)		269			2,753		52,001			5.3	%
	Automobile loans		7,618			7,888			(7,202	)		120			8,424		168,604			5	%
	Retail loans		396			1,364			(696	)		6			1,070		30,307			3.5	%

	Total	$	19,300		$	27,765		$	(24,275	)	$	826		$	23,616	$	439,474			5.4	%

Finance Receivables Associated with Customers in Bankruptcy	The following is a summary of the finance receivables associated with customers in bankruptcy as of December 31, 2014 and 2013:



		2014			2013
	Branch small loans	$	582		$	714
	Convenience checks		544			784
	Large loans		1,260			1,677
	Automobile loans		3,698			3,706
	Retail loans		119			143

	Total	$	6,203		$	7,024

Contractual Delinquency of the Finance Receivable Portfolio by Component	The contractual delinquency of the finance receivable portfolio by component at December 31, 2014 and 2013 was:



		December 31, 2014
		Branch Small						Convenience Check						Large					Automobile						Retail					Total
		$			%			$			%			$		%			$			%			$		%			$		%
	Current	$	104,003			81.1	%	$	154,833			80.9	%	$	36,658		79.4	%	$	105,424			68.3	%	$	21,424		82	%	$	422,342		77.4	%
	1 to 29 days delinquent		13,967			10.9	%		19,318			10.1	%		7,383		16	%		38,656			25	%		3,390		13	%		82,714		15.1	%

	Delinquent accounts
	30 to 59 days		3,647			2.8	%		5,134			2.7	%		1,036		2.3	%		5,651			3.7	%		483		1.8	%		15,951		2.9	%
	60 to 89 days		2,275			1.8	%		4,442			2.3	%		483		1	%		2,114			1.4	%		310		1.2	%		9,624		1.8	%
	90 to 119 days		1,857			1.4	%		3,312			1.8	%		263		0.6	%		1,266			0.8	%		201		0.8	%		6,899		1.2	%
	120 to 149 days		1,478			1.2	%		2,343			1.2	%		204		0.4	%		758			0.5	%		205		0.8	%		4,988		0.9	%
	150 to 179 days		990			0.8	%		1,934			1	%		120		0.3	%		513			0.3	%		117		0.4	%		3,674		0.7	%
	180 days and over		—			0	%		—			0	%		—		0	%		—			0	%		—		0	%		—		0	%

	Total delinquency	$	10,247			8	%	$	17,165			9	%	$	2,106		4.6	%	$	10,302			6.7	%	$	1,316		5	%	$	41,136		7.5	%

	Total finance receivables	$	128,217			100	%	$	191,316			100	%	$	46,147		100	%	$	154,382			100	%	$	26,130		100	%	$	546,192		100	%

	Finance receivables in nonaccrual status	$	4,325			3.4	%	$	7,589			4	%	$	587		1.3	%	$	2,537			1.6	%	$	523		2	%	$	15,561		2.8	%


		December 31, 2013
		Branch Small						Convenience Check						Large					Automobile						Retail					Total
		$			%			$			%			$		%			$			%			$		%			$		%
	Current	$	84,196			76.7	%	$	143,720			80.2	%	$	32,513		75.1	%	$	122,313			67.5	%	$	24,829		79.4	%	$	407,571		74.9	%
	1 to 29 days delinquent		15,369			14	%		20,056			11.2	%		7,788		18	%		45,841			25.3	%		4,249		13.6	%		93,303		17.1	%

	Delinquent accounts
	30 to 59 days		3,515			3.2	%		4,515			2.5	%		1,220		2.8	%		7,089			4	%		749		2.4	%		17,088		3.1	%
	60 to 89 days		2,268			2.1	%		3,332			1.9	%		530		1.2	%		2,721			1.5	%		416		1.3	%		9,267		1.7	%
	90 to 119 days		1,755			1.5	%		3,172			1.7	%		364		0.8	%		1,195			0.6	%		357		1.2	%		6,843		1.3	%
	120 to 149 days		1,275			1.2	%		2,490			1.4	%		245		0.6	%		807			0.4	%		291		0.9	%		5,108		0.9	%
	150 to 179 days		984			0.9	%		1,425			0.8	%		259		0.6	%		525			0.3	%		216		0.7	%		3,409		0.6	%
	180 days and over		414			0.4	%		493			0.3	%		392		0.9	%		635			0.4	%		161		0.5	%		2,095		0.4	%

	Total delinquency	$	10,211			9.3	%	$	15,427			8.6	%	$	3,010		6.9	%	$	12,972			7.2	%	$	2,190		7	%	$	43,810		8	%

	Total finance receivables	$	109,776			100	%	$	179,203			100	%	$	43,311		100	%	$	181,126			100	%	$	31,268		100	%	$	544,684		100	%

	Finance receivables in nonaccrual status	$	4,428			4	%	$	7,580			4.2	%	$	1,260		2.9	%	$	3,162			1.7	%	$	1,025		3.3	%	$	17,455		3.2	%



Summary of Finance Receivables Evaluated for Impairment	Following is a summary of finance receivables evaluated for impairment at December 31, 2014 and 2013:



		December 31, 2014
		Branch			Convenience			Large			Automobile			Retail		Total
		Small			Check			Large			Automobile			Retail		Total
	Accounts 180 or more days past due, excluding accounts of customers in bankruptcy	$	—		$	—		$	—		$	—		$	—	$	—
	Customers in Chapter 13 bankruptcy		582			544			1,260			3,698			119		6,203

	Total impaired accounts specifically evaluated	$	582		$	544		$	1,260		$	3,698		$	119	$	6,203
	Finance receivables evaluated collectively		127,635			190,772			44,887			150,684			26,011		539,989

	Finance receivables outstanding	$	128,217		$	191,316		$	46,147		$	154,382		$	26,130	$	546,192

	Accounts in bankruptcy in nonaccrual status	$	140		$	159		$	133		$	559		$	16	$	1,007

	Amount of the specific reserve for impaired accounts	$	143		$	165		$	309		$	981		$	18	$	1,616

	Average impaired accounts	$	1,097		$	1,266		$	1,616		$	4,134		$	235	$	8,348

	Amount of the general component of the allowance	$	6,817		$	18,155		$	1,671		$	10,795		$	1,457	$	38,895


		December 31, 2013
		Branch			Convenience			Large			Automobile			Retail		Total
		Small			Check			Large			Automobile			Retail		Total
	Accounts 180 or more days past due, excluding accounts of customers in bankruptcy	$	379		$	467		$	173		$	398		$	146	$	1,563
	Customers in Chapter 13 bankruptcy		714			784			1,677			3,706			143		7,024

	Total impaired accounts specifically evaluated	$	1,093		$	1,251		$	1,850		$	4,104		$	289	$	8,587
	Finance receivables evaluated collectively		108,683			177,952			41,461			177,022			30,979		536,097

	Finance receivables outstanding	$	109,776		$	179,203		$	43,311		$	181,126		$	31,268	$	544,684

	Accounts in bankruptcy in nonaccrual status	$	308		$	359		$	426		$	804		$	58	$	1,955

	Amount of the specific reserve for impaired accounts	$	574		$	672		$	756		$	1,565		$	180	$	3,747

	Average impaired accounts	$	994		$	1,085		$	1,935		$	3,831		$	273	$	8,118

	Amount of the general component of the allowance	$	4,592		$	9,532		$	1,477		$	9,262		$	1,479	$	26,342

Property_and_Equipment_Tables

Property and Equipment (Tables)	12 Months Ended
Property and Equipment (Tables)	Dec. 31, 2014
Property, Plant and Equipment [Abstract]
Summary of Property and Equipment, Net	At December 31, 2014 and 2013, property and equipment consisted of the following:



		2014		2013
	Land and building	$	922	$	847
	Furniture, fixtures, and equipment		16,942		15,163
	Leasehold improvements		3,212		2,410

			21,076		18,420
	Less accumulated depreciation		12,171		11,320

		$	8,905	$	7,100

Leases_Tables

Leases (Tables)	12 Months Ended
Leases (Tables)	Dec. 31, 2014
Leases [Abstract]
Summary of Future Minimum Rent Commitments Under Non-cancellable Operating Leases	Future minimum rent commitments under non-cancellable operating leases in effect as of December 31, 2014 are as follows:



	Year Ending December 31,	Amount
	2015	$	5,065
	2016		3,702
	2017		2,093
	2018		1,048
	2019		479
	Thereafter		54

		$	12,441

Goodwill_Tables

Goodwill (Tables)	12 Months Ended
Goodwill (Tables)	Dec. 31, 2014
Goodwill and Intangible Assets Disclosure [Abstract]
Changes in the Carrying Amount of Goodwill	The following summarizes the changes in the carrying amount of goodwill for the year ended December 31, 2014 and 2013:



		2014		2013
	Balance at beginning of year:
	Goodwill	$	716	$	363
	Accumulated goodwill impairment losses		—		—

	Goodwill acquired during the year		—		353
	Impairment losses		—		—

	Balance at end of year:
	Goodwill		716		716
	Accumulated goodwill impairment losses		—		—

		$	716	$	716

Intangibles_Tables

Intangibles (Tables)	12 Months Ended
Intangibles (Tables)	Dec. 31, 2014
Goodwill and Intangible Assets Disclosure [Abstract]
Summary of Gross Carrying Amount and Related Accumulated Amortization of Definite-Lived Intangible Assets	The following table provides the gross carrying amount and related accumulated amortization of definite-lived intangible assets:


		December 31, 2014				December 31, 2013
		Gross Carrying		Accumulated		Gross Carrying		Accumulated
		Amount		Amortization		Amount		Amortization
	Customer list	$	2,516	$	1,669	$	2,589	$	1,203

Summary of Future Amortization of Intangible Assets	The following table sets forth the future amortization of intangible assets:


	Year Ending December 31,	Amount
	2015	$	374
	2016		264
	2017		164
	2018		45

		$	847

Other_Assets_Tables

Other Assets (Tables)	12 Months Ended
Other Assets (Tables)	Dec. 31, 2014
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Summary of Other Assets	Other assets include the following at December 31, 2014 and 2013:



		2014		2013
	Restricted cash	$	1,900	$	1,900
	Prepaid expenses		1,896		1,478
	Income tax receivable		1,611		—
	Debt issuance costs, net of accumulated amortization		599		1,127
	Credit insurance receivable		873		688
	Other		804		229

		$	7,683	$	5,422

Debt_Tables

Debt (Tables)	12 Months Ended
Debt (Tables)	Dec. 31, 2014
Debt Disclosure [Abstract]
Summary of the Company's Debt	Following is a summary of the Company’s debt as of December 31, 2014 and 2013:



		2014		2013
	Senior revolving credit facility	$	341,419	$	362,750
	Secured line of credit		—		—

		$	341,419	$	362,750

	Unused amount of senior revolving credit facility, subject to borrowing base	$	158,581	$	137,250

Summary of Principal Payments Required on Outstanding Debt	Following is a summary of principal payments required on outstanding debt during each of the next five years:



	Year Ending December 31,	Amount
	2015	$	—
	2016		341,419
	2017		—
	2018		—
	2019		—

	Total	$	341,419

Interest_Rate_Cap_Tables

Interest Rate Cap (Tables)	12 Months Ended
Interest Rate Cap (Tables)	Dec. 31, 2014
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Summary of Changes in Rate Cap	The following is a summary of changes in the rate cap for 2013:



		2013
	Balance at end of prior year	$	1
	Purchases		—
	Fair value adjustment included as an (increase) in interest expense		(1	)

	Balance sheet at December 31, 2013, included in other assets	$	—

Disclosure_About_Fair_Value_of1

Disclosure About Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2014
Fair Value Disclosures [Abstract]
Carrying Amount and Estimated Fair Values of Company's Financial Instruments	The carrying amount and estimated fair values of the Company’s financial instruments summarized by level are as follows:


		December 31, 2014				December 31, 2013
		Carrying		Estimated		Carrying		Estimated
		Amount		Fair Value		Amount		Fair Value
	Assets
	Level 1 inputs
	Cash	$	4,012	$	4,012	$	4,121	$	4,121
	Restricted cash		1,900		1,900		1,900		1,900
	Level 3 inputs
	Net finance receivables		505,681		505,681		514,595		514,595
	Repossessed assets		556		556		548		548
	Liabilities
	Level 3 inputs
	Senior revolving credit facility		341,419		341,419		362,750		362,750
Assets and Liabilities are Measured at Fair Value on a Nonrecurring Basis	The following table presents the assets carried on the balance sheet by level within the hierarchy as of December 31, 2014 and 2013 for which a nonrecurring change in fair value has been recorded during the years ended December 31, 2014 and 2013:



		Repossessed Assets
	December 31,	Total		Level 1		Level 2		Level 3		Total Losses
	2014	$	556	$	—	$	—	$	556	$	566
	2013	$	548	$	—	$	—	$	548	$	492

Income_Taxes_Tables

Income Taxes (Tables)	12 Months Ended
Income Taxes (Tables)	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Schedule of Effective Income Tax Reconciliation	Income tax expense was $9,137, $17,460, and $14,561 for the years ended December 31, 2014, 2013, and 2012, respectively, which differed from the amount computed by applying the federal income tax rate of 35% for the years ended December 31, 2014, 2013, and 2012 to total income before income taxes as a result of the following:



		2014			2013			2012
	Federal tax expense at statutory rate	$	8,379		$	16,189		$	13,760
	Increase (reduction) in income taxes resulting from:
	Small insurance company income exclusion		—			—			(451	)
	State tax, net of federal benefit		603			1,112			1,026
	Other		155			159			226

		$	9,137		$	17,460		$	14,561

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 years ended December 31, 2014, 2013, and 2012:



		2014			2013			2012
	Current:
	Federal	$	11,827		$	18,297		$	7,467
	State and local		1,859			2,457			1,132

			13,686			20,754			8,599

	Deferred:
	Federal		(3,958	)		(2,549	)		5,516
	State and local		(591	)		(745	)		446

			(4,549	)		(3,294	)		5,962

	Total	$	9,137		$	17,460		$	14,561

Net Deferred Tax Assets and Liabilities	Net deferred tax assets and liabilities consist of the following as of December 31, 2014 and 2013:



		2014			2013
	Deferred tax assets:
	Allowance for credit losses	$	15,620		$	10,769
	Unearned insurance commissions		1,490			1,461
	Deferred loan fees		134			3,601
	Share-based compensation		1,694			988
	Amortization of intangible assets		609			501
	State net operating loss carryforward		69			—
	Accrued expenses		828			694
	Other		189			12

	Gross deferred tax assets		20,633			18,026

	Deferred tax liabilities:
	Fair market value adjustment of finance receivables		14,403			16,753
	Deferred loan costs		2,283			2,226
	Tax over book depreciation		1,403			1,182
	Prepaid expenses		518			510
	Other		156			8

	Gross deferred tax liabilities		18,763			20,679

	Net deferred tax asset (liability)	$	1,870		$	(2,653	)

Earnings_Per_Share_Tables

Earnings Per Share (Tables)	12 Months Ended
Earnings Per Share (Tables)	Dec. 31, 2014
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 years ended December 31, 2014, 2013, and 2012:



		2014
		Net Income		Shares		Per Share
	Basic earnings per share
	Income available to common stockholders	$	14,802		12,701,083	$	1.17
	Effect of dilutive securities
	Options to purchase common stock		—		250,358		—

	Diluted earnings per share
	Income available to common stockholders plus assumed exercise of options to purchase common stock	$	14,802		12,951,441	$	1.14






		2013
		Net Income		Shares		Per Share
	Basic earnings per share
	Income available to common stockholders	$	28,794		12,572,298	$	2.29
	Effect of dilutive securities
	Options to purchase common stock		—		321,395		—

	Diluted earnings per share
	Income available to common stockholders plus assumed exercise of options to purchase common stock	$	28,794		12,893,693	$	2.23






		2012
		Net Income		Shares		Per Share
	Basic earnings per share
	Income available to common stockholders	$	24,752		11,694,924	$	2.12
	Effect of dilutive securities
	Options to purchase common stock		—		285,824		—

	Diluted earnings per share
	Income available to common stockholders plus assumed exercise of options to purchase common stock	$	24,752		11,980,748	$	2.07

Related_Party_Transactions_Tab

Related Party Transactions (Tables)	12 Months Ended
Related Party Transactions (Tables)	Dec. 31, 2014
Related Party Transactions [Abstract]
Summary of Transactions With Sponsors and Individual Owners Who Retain an Interest	Following is a summary of transactions during the years ended December 31, 2012 with the sponsors and the individual owners who retain an interest in the Company.


		Individual Owners		Sponsors
	2012:00:00
	Interest paid on mezzanine debt	$	195	$	812
	Financing fees		3		12
	Consulting/Advisory fees expense		563		888

ShareBased_Compensation_Tables

Share-Based Compensation (Tables)	12 Months Ended
Share-Based Compensation (Tables)	Dec. 31, 2014
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Fair Value of Option Grants	The fair value of option grants are estimated on the grant date using the Black-Scholes option-pricing model with the following weighted-average assumptions for option grants during the years ended December 31, 2014, 2013, and 2012.



		2014			2013			2012
	Expected volatility		42.68	%		47.74	%		48.49	%
	Expected dividends		0	%		0	%		0	%
	Expected term (in years)		6.21			10			10
	Risk-free rate		1.94	%		2.03	%		2.2	%
Summary of Company's Stock Option Plan Activity	The following table summarizes the stock option activity for the year ended December 31, 2014 (shares in thousands):



		Number of			Weighted-			Weighted-			Aggregate
		Shares			Average			Average			Intrinsic
					Price			Remaining			Value
					Per Share			Contractual
								Life (Years)
	Options outstanding at January 1, 2014		866		$	10.7
	Granted		155			17.76
	Exercised		(46	)		5.88
	Forfeited		(72	)		16.9
	Expired		(7	)		15

	Options outstanding at December 31, 2014		896		$	11.63			4.5		$	4,520

	Options exercisable at December 31, 2014		621		$	8.81			2.8		$	4,465

	Available for grant at December 31, 2014		744

Summary of Additional Stock Option Information	The following table provides additional stock option information.



		Year Ended December 31,
		2014			2013			2012
	Weighted-average grant date fair value per award	$	7.83		$	12.09		$	9.07
	Intrinsic value of options exercised	$	584		$	2,448		$	—
	Fair value of stock options that vested	$	1,484		$	517		$	245
Summary of Restricted Stock Unit Activity	The following table summarizes restricted stock unit activity during the year ended December 31, 2014 (shares in thousands):



		2014
		Shares			Weighted-Average
					Grant Date
					Fair Value
	Non-vested shares, beginning of the year		—		$	—
	Granted		57			17.76
	Vested		—			—
	Forfeited		(22	)		17.76

	Non-vested shares, end of the year		35		$	17.76

Summary of Cash Settled Performance Shares Activity	The following table summarizes cash settled performance share activity during the year ended December 31, 2014 (shares in thousands):



		2014
		Shares			Weighted-
					Average
					Grant Date
					Fair Value
	Non-vested shares, beginning of the year		—		$	—
	Granted		1,016			1
	Vested		—			—
	Forfeited		(387	)		1

	Non-vested shares, end of the year		629		$	1

Summary of Restricted Stock Activity	The following table summarizes restricted stock activity during the year ended December 31, 2014 (shares in thousands):



		2014
		Shares			Weighted-
					Average
					Grant Date
					Fair Value
	Non-vested shares, beginning of the year		—		$	—
	Granted		73			16.23
	Vested		(13	)		17.76
	Forfeited		—			—

	Non-vested shares, end of the year		60		$	15.91

Summary of Additional Restricted Stock Information	The following table provides additional restricted stock information.



		Year Ended December 31,
		2014			2013			2012
	Weighted-average grant date fair value per award	$	16.23		$	33.74		$	—
	Fair value of restricted stock that vested	$	224		$	870		$	—

Credit_Insurance_Products_Tabl

Credit Insurance Products (Tables)	12 Months Ended
	Dec. 31, 2014
Insurance [Abstract]
Premiums Written and Reinsured Earned Premium	Following are total net premiums written and reinsured and total earned premiums for the years ended December 31, 2014, 2013, and 2012:



	Year Ending December 31,	Net Written		Earned
		Premiums		Premiums
	2014	$	17,831	$	17,385
	2013		17,260		16,057
	2012		15,718		14,473

Business_Combination_Tables

Business Combination (Tables)	12 Months Ended
Business Combination (Tables)	Dec. 31, 2014
Business Combinations [Abstract]
Summary of Business Combination Activity	The following table sets forth the business combination activity for the year ended December 31, 2014 and 2013:



		2014		2013
	Branches purchased		1		2
	Branches merged into existing offices		—		—

	Net new offices		1		2

	Tangible assets:
	Net finance receivables	$	96	$	211
	Property and equipment		—		11
	Other		—		—
	Intangible assets:
	Customer list		32		—
	Goodwill		—		353

	Total purchase price	$	128	$	575

Quarterly_Information_unaudite1

Quarterly Information (unaudited) (Tables)	12 Months Ended
Quarterly Information (unaudited) (Tables)	Dec. 31, 2014
Quarterly Financial Information Disclosure [Abstract]
Summary of the Company's Quarterly Financial Information	The following tables summarize the Company’s quarterly financial information for each of the four quarters of 2014 and 2013:



		2014
		First		Second		Third		Fourth
	Total revenue	$	49,581	$	47,437	$	53,909	$	53,792
	Provision for credit losses		16,945		13,620		22,542		15,950
	General and administrative expenses		19,898		23,198		25,284		28,396
	Interest expense		3,763		3,556		3,848		3,780
	Income tax		3,365		2,649		838		2,285
	Net income	$	5,610	$	4,414	$	1,397	$	3,381
	Net income per common share:
	Basic	$	0.44	$	0.35	$	0.11	$	0.27
	Diluted	$	0.43	$	0.34	$	0.11	$	0.26



		2013
		First		Second		Third		Fourth
	Total revenue	$	38,600	$	39,182	$	44,305	$	48,542
	Provision for credit losses		8,071		8,405		11,078		11,638
	General and administrative expenses		16,686		17,339		17,534		19,480
	Interest expense		3,081		3,241		3,913		3,909
	Income tax		3,998		3,793		4,539		5,130
	Net income	$	6,764	$	6,404	$	7,241	$	8,385
	Net income per common share:
	Basic	$	0.54	$	0.51	$	0.58	$	0.66
	Diluted	$	0.53	$	0.5	$	0.56	$	0.65

Nature_of_Business_and_Signifi2

Nature of Business and Significant Accounting Policies - Additional Information (Detail)	1 Months Ended	12 Months Ended
	Sep. 30, 2014	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
		Segment	Office	Office
		Office
		Location
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		300
Number of offices opened		36	43	51
Number of segment		1
Contractual delinquent period of loans	180 days	180 days
Bankruptcy delinquency threshold		60 days
Financing receivable suspended period		90 days
Contractual delinquent period of accrual income		90 days
Fair value of grants		100.00%
Tax benefit		50.00%
Office Building [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Estimated useful lives		39 years
Minimum [Member] \| Office Building [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Non cancellable lease period		1 year
Minimum [Member] \| Furniture, Fixtures and Equipment [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Estimated useful lives		3 years
Maximum [Member] \| Office Building [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Non cancellable lease period		5 years
Maximum [Member] \| Furniture, Fixtures and Equipment [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Estimated useful lives		5 years
As Reported [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Contractual delinquent period of loans	365 days
Alabama [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		49
Georgia [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		3
New Mexico [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		13
North Carolina [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		34
Oklahoma [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		27
South Carolina [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		70
Tennessee [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		21
Texas [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		83

Concentrations_of_Credit_Risk_

Concentrations of Credit Risk - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2014
Risks and Uncertainties [Abstract]
Concentration risk, geographic	The Company's portfolio of finance receivables is with customers living in five southeastern states (Alabama, Georgia, North Carolina, South Carolina, and Tennessee) and three southwestern states (Oklahoma, New Mexico and Texas)

Finance_Receivables_Allowance_2

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information - Summary of Finance Receivables (Detail) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$546,192	$544,684	$439,474
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	128,217	109,776
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	191,316	179,203
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	46,147	43,311	52,001
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	154,382	181,126	168,604
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$26,130	$31,268	$30,307

Finance_Receivables_Allowance_3

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information - Additional Information (Detail) (USD $)	1 Months Ended	3 Months Ended	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2014	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]
Finance receivable , factors influenced management's decision				The methodology for estimating the allowance for credit losses changed from the trailing eight to trailing six month losses on branch small loans and convenience checks, trailing twelve to trailing ten month losses on large loans, and trailing twelve to trailing eleven month losses on retail loans.
Increase (Decrease) in loss allowance		$318		($3,901)
Increase (Decrease) in net income			-199	2,428
Increase (Decrease) in diluted earnings per share			($0.02)	$0.19
Offsetting pre-tax increase to the allowance for credit losses for qualitative factors				3,700
Increase (Decrease) in net income				2,303
Increase (Decrease) in diluted earnings per share				$0.18
Charge-offs	$2,106		$2,106
Contractual delinquent period of loans	180 days		180 days
Finance receivables			1.10%	1.30%
As Reported [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Contractual delinquent period of loans	365 days

Finance_Receivables_Allowance_4

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information - Summary of Changes in Allowance for Credit Losses (Detail) (USD $)	1 Months Ended	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Receivables [Abstract]
Balance at beginning of year					$30,089				$23,616	$30,089	$23,616	$19,300
Provision for credit losses		15,950	22,542	13,620	16,945	11,638	11,078	8,405	8,071	69,057	39,192	27,765
Charge-offs										-58,236	-33,750	-24,275
Charge-offs (180+ policy change)	-2,106									-2,106
Recoveries										1,707	1,031	826
Balance at end of year		$40,511				$30,089				$40,511	$30,089	$23,616

Finance_Receivables_Allowance_5

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information - Reconciliation of Allowance for Credit Losses (Detail) (USD $)	1 Months Ended	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of year					$30,089				$23,616	$30,089	$23,616	$19,300
Provision		15,950	22,542	13,620	16,945	11,638	11,078	8,405	8,071	69,057	39,192	27,765
Charge-offs										-58,236	-33,750	-24,275
Charge-offs (180+ policy change)	-2,106									-2,106
Recoveries										1,707	1,031	826
Balance at end of year		40,511				30,089				40,511	30,089	23,616
Finance receivables		546,192				544,684				546,192	544,684	439,474
Allowance as Percentage of Finance Receivable		7.40%				5.50%				7.40%	5.50%	5.40%
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of year					5,166					5,166
Provision										13,760
Charge-offs										-11,915
Charge-offs (180+ policy change)										-505
Recoveries										454
Balance at end of year		6,960								6,960
Finance receivables		128,217				109,776				128,217	109,776
Allowance as Percentage of Finance Receivable		5.40%								5.40%
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of year					10,204					10,204
Provision										36,995
Charge-offs										-28,782
Charge-offs (180+ policy change)										-627
Recoveries										530
Balance at end of year		18,320								18,320
Finance receivables		191,316				179,203				191,316	179,203
Allowance as Percentage of Finance Receivable		9.60%								9.60%
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of year					2,233				2,753	2,233	2,753	2,448
Provision										1,985	1,788	3,288
Charge-offs										-2,334	-2,630	-3,252
Charge-offs (180+ policy change)										-203
Recoveries										299	322	269
Balance at end of year		1,980				2,233				1,980	2,233	2,753
Finance receivables		46,147				43,311				46,147	43,311	52,001
Allowance as Percentage of Finance Receivable		4.30%				5.20%				4.30%	5.20%	5.30%
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of year					10,827				8,424	10,827	8,424	7,618
Provision										14,259	12,094	7,888
Charge-offs										-12,939	-9,875	-7,202
Charge-offs (180+ policy change)										-688
Recoveries										317	184	120
Balance at end of year		11,776				10,827				11,776	10,827	8,424
Finance receivables		154,382				181,126				154,382	181,126	168,604
Allowance as Percentage of Finance Receivable		7.60%				6.00%				7.60%	6.00%	5.00%
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of year					1,659				1,070	1,659	1,070	396
Provision										2,058	2,690	1,364
Charge-offs										-2,266	-2,137	-696
Charge-offs (180+ policy change)										-83
Recoveries										107	36	6
Balance at end of year		1,475				1,659				1,475	1,659	1,070
Finance receivables		26,130				31,268				26,130	31,268	30,307
Allowance as Percentage of Finance Receivable		5.60%				5.30%				5.60%	5.30%	3.50%
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of year									11,369		11,369	8,838
Provision											22,620	15,225
Charge-offs											-19,108	-13,125
Recoveries											489	431
Balance at end of year						15,370					15,370	11,369
Finance receivables						$288,979					$288,979	$188,562
Allowance as Percentage of Finance Receivable						5.30%					5.30%	6.00%

Finance_Receivables_Allowance_6

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information - Finance Receivables Associated with Customers in Bankruptcy (Detail) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables in bankruptcy	$6,203	$7,024
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables in bankruptcy	582	714
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables in bankruptcy	544	784
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables in bankruptcy	1,260	1,677
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables in bankruptcy	3,698	3,706
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables in bankruptcy	$119	$143

Finance_Receivables_Allowance_7

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information - Contractual Delinquency of the Finance Receivable Portfolio by Component (Detail) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Financing Receivable, Recorded Investment [Line Items]
Current	$422,342	$407,571
Current, Percent	77.40%	74.90%
1 to 29 days delinquent	82,714	93,303
1 to 29 days delinquent, Percent	15.10%	17.10%
Delinquent accounts
30 to 59 days	15,951	17,088
30 to 59 days, Percent	2.90%	3.10%
60 to 89 days	9,624	9,267
60 to 89 days, Percent	1.80%	1.70%
90 to 119 days	6,899	6,843
90 to 119 days, Percent	1.20%	1.30%
120 to 149 days	4,988	5,108
120 to 149 days, Percent	0.90%	0.90%
150 to 179 days	3,674	3,409
150 to 179 days, Percent	0.70%	0.60%
180 days and over		2,095
180 days and over, Percent	0.00%	0.40%
Total delinquency	41,136	43,810
Total delinquency, Percent	7.50%	8.00%
Finance receivables	546,192	544,684	439,474
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	15,561	17,455
Finance receivables in nonaccrual status, Percent	2.80%	3.20%
Branch Small [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	104,003	84,196
Current, Percent	81.10%	76.70%
1 to 29 days delinquent	13,967	15,369
1 to 29 days delinquent, Percent	10.90%	14.00%
Delinquent accounts
30 to 59 days	3,647	3,515
30 to 59 days, Percent	2.80%	3.20%
60 to 89 days	2,275	2,268
60 to 89 days, Percent	1.80%	2.10%
90 to 119 days	1,857	1,755
90 to 119 days, Percent	1.40%	1.50%
120 to 149 days	1,478	1,275
120 to 149 days, Percent	1.20%	1.20%
150 to 179 days	990	984
150 to 179 days, Percent	0.80%	0.90%
180 days and over		414
180 days and over, Percent	0.00%	0.40%
Total delinquency	10,247	10,211
Total delinquency, Percent	8.00%	9.30%
Finance receivables	128,217	109,776
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	4,325	4,428
Finance receivables in nonaccrual status, Percent	3.40%	4.00%
Convenience Checks [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	154,833	143,720
Current, Percent	80.90%	80.20%
1 to 29 days delinquent	19,318	20,056
1 to 29 days delinquent, Percent	10.10%	11.20%
Delinquent accounts
30 to 59 days	5,134	4,515
30 to 59 days, Percent	2.70%	2.50%
60 to 89 days	4,442	3,332
60 to 89 days, Percent	2.30%	1.90%
90 to 119 days	3,312	3,172
90 to 119 days, Percent	1.80%	1.70%
120 to 149 days	2,343	2,490
120 to 149 days, Percent	1.20%	1.40%
150 to 179 days	1,934	1,425
150 to 179 days, Percent	1.00%	0.80%
180 days and over		493
180 days and over, Percent	0.00%	0.30%
Total delinquency	17,165	15,427
Total delinquency, Percent	9.00%	8.60%
Finance receivables	191,316	179,203
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	7,589	7,580
Finance receivables in nonaccrual status, Percent	4.00%	4.20%
Large [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	36,658	32,513
Current, Percent	79.40%	75.10%
1 to 29 days delinquent	7,383	7,788
1 to 29 days delinquent, Percent	16.00%	18.00%
Delinquent accounts
30 to 59 days	1,036	1,220
30 to 59 days, Percent	2.30%	2.80%
60 to 89 days	483	530
60 to 89 days, Percent	1.00%	1.20%
90 to 119 days	263	364
90 to 119 days, Percent	0.60%	0.80%
120 to 149 days	204	245
120 to 149 days, Percent	0.40%	0.60%
150 to 179 days	120	259
150 to 179 days, Percent	0.30%	0.60%
180 days and over		392
180 days and over, Percent	0.00%	0.90%
Total delinquency	2,106	3,010
Total delinquency, Percent	4.60%	6.90%
Finance receivables	46,147	43,311	52,001
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	587	1,260
Finance receivables in nonaccrual status, Percent	1.30%	2.90%
Automobile [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	105,424	122,313
Current, Percent	68.30%	67.50%
1 to 29 days delinquent	38,656	45,841
1 to 29 days delinquent, Percent	25.00%	25.30%
Delinquent accounts
30 to 59 days	5,651	7,089
30 to 59 days, Percent	3.70%	4.00%
60 to 89 days	2,114	2,721
60 to 89 days, Percent	1.40%	1.50%
90 to 119 days	1,266	1,195
90 to 119 days, Percent	0.80%	0.60%
120 to 149 days	758	807
120 to 149 days, Percent	0.50%	0.40%
150 to 179 days	513	525
150 to 179 days, Percent	0.30%	0.30%
180 days and over		635
180 days and over, Percent	0.00%	0.40%
Total delinquency	10,302	12,972
Total delinquency, Percent	6.70%	7.20%
Finance receivables	154,382	181,126	168,604
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	2,537	3,162
Finance receivables in nonaccrual status, Percent	1.60%	1.70%
Retail [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	21,424	24,829
Current, Percent	82.00%	79.40%
1 to 29 days delinquent	3,390	4,249
1 to 29 days delinquent, Percent	13.00%	13.60%
Delinquent accounts
30 to 59 days	483	749
30 to 59 days, Percent	1.80%	2.40%
60 to 89 days	310	416
60 to 89 days, Percent	1.20%	1.30%
90 to 119 days	201	357
90 to 119 days, Percent	0.80%	1.20%
120 to 149 days	205	291
120 to 149 days, Percent	0.80%	0.90%
150 to 179 days	117	216
150 to 179 days, Percent	0.40%	0.70%
180 days and over		161
180 days and over, Percent	0.00%	0.50%
Total delinquency	1,316	2,190
Total delinquency, Percent	5.00%	7.00%
Finance receivables	26,130	31,268	30,307
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$523	$1,025
Finance receivables in nonaccrual status, Percent	2.00%	3.30%

Finance_Receivables_Allowance_8

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information - Summary of Finance Receivables Evaluated for Impairment (Detail) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts 180 or more days past due, excluding accounts of customers in bankruptcy		$1,563
Customers in Chapter 13 bankruptcy	6,203	7,024
Total impaired accounts specifically evaluated	6,203	8,587
Finance receivables evaluated collectively	539,989	536,097
Finance receivables	546,192	544,684	439,474
Accounts in bankruptcy in nonaccrual status	1,007	1,955
Amount of the specific allowance for impaired accounts	1,616	3,747
Average impaired accounts	8,348	8,118
Amount of the general component of the allowance	38,895	26,342
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts 180 or more days past due, excluding accounts of customers in bankruptcy		379
Customers in Chapter 13 bankruptcy	582	714
Total impaired accounts specifically evaluated	582	1,093
Finance receivables evaluated collectively	127,635	108,683
Finance receivables	128,217	109,776
Accounts in bankruptcy in nonaccrual status	140	308
Amount of the specific allowance for impaired accounts	143	574
Average impaired accounts	1,097	994
Amount of the general component of the allowance	6,817	4,592
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts 180 or more days past due, excluding accounts of customers in bankruptcy		467
Customers in Chapter 13 bankruptcy	544	784
Total impaired accounts specifically evaluated	544	1,251
Finance receivables evaluated collectively	190,772	177,952
Finance receivables	191,316	179,203
Accounts in bankruptcy in nonaccrual status	159	359
Amount of the specific allowance for impaired accounts	165	672
Average impaired accounts	1,266	1,085
Amount of the general component of the allowance	18,155	9,532
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts 180 or more days past due, excluding accounts of customers in bankruptcy		173
Customers in Chapter 13 bankruptcy	1,260	1,677
Total impaired accounts specifically evaluated	1,260	1,850
Finance receivables evaluated collectively	44,887	41,461
Finance receivables	46,147	43,311	52,001
Accounts in bankruptcy in nonaccrual status	133	426
Amount of the specific allowance for impaired accounts	309	756
Average impaired accounts	1,616	1,935
Amount of the general component of the allowance	1,671	1,477
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts 180 or more days past due, excluding accounts of customers in bankruptcy		398
Customers in Chapter 13 bankruptcy	3,698	3,706
Total impaired accounts specifically evaluated	3,698	4,104
Finance receivables evaluated collectively	150,684	177,022
Finance receivables	154,382	181,126	168,604
Accounts in bankruptcy in nonaccrual status	559	804
Amount of the specific allowance for impaired accounts	981	1,565
Average impaired accounts	4,134	3,831
Amount of the general component of the allowance	10,795	9,262
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts 180 or more days past due, excluding accounts of customers in bankruptcy		146
Customers in Chapter 13 bankruptcy	119	143
Total impaired accounts specifically evaluated	119	289
Finance receivables evaluated collectively	26,011	30,979
Finance receivables	26,130	31,268	30,307
Accounts in bankruptcy in nonaccrual status	16	58
Amount of the specific allowance for impaired accounts	18	180
Average impaired accounts	235	273
Amount of the general component of the allowance	$1,457	$1,479

Property_and_Equipment_Summary

Property and Equipment - Summary of Property and Equipment, Net (Detail) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$21,076	$18,420
Less accumulated depreciation	12,171	11,320
Property and equipment, net	8,905	7,100
Land and Building [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	922	847
Furniture, Fixtures and Equipment [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	16,942	15,163
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$3,212	$2,410

Property_and_Equipment_Additio

Property and Equipment - Additional Information (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Property, Plant and Equipment [Abstract]
Depreciation expense	$2,620	$2,174	$1,492

Leases_Summary_of_Future_Minim

Leases - Summary of Future Minimum Rent Commitments Under Non-cancellable Operating Leases (Detail) (USD $)	Dec. 31, 2014
In Thousands, unless otherwise specified	Dec. 31, 2014
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2015	$5,065
2016	3,702
2017	2,093
2018	1,048
2019	479
Thereafter	54
Future minimum rent commitments, Total	$12,441

Leases_Additional_Information_

Leases - Additional Information (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Future Minimum Lease Payments Under Capital Leases And Operating Leases For Continuing Operations [Line Items]
Rent expense	$5,153	$4,339	$3,539
Minimum [Member]
Future Minimum Lease Payments Under Capital Leases And Operating Leases For Continuing Operations [Line Items]
Lease expiration period	1 year
Maximum [Member]
Future Minimum Lease Payments Under Capital Leases And Operating Leases For Continuing Operations [Line Items]
Lease expiration period	10 years

Goodwill_Changes_in_the_Carryi

Goodwill - Changes in the Carrying Amount of Goodwill (Detail) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill, Beginning Balance			$716	$363
Accumulated goodwill impairment losses, Beginning Balance			0	0
Goodwill acquired during the year				353
Impairment losses	0	0	0	0
Goodwill, Ending Balance	716	716	716	716
Accumulated goodwill impairment losses, Ending Balance	0	0	0	0
Total Goodwill	$716	$716	$716	$716

Goodwill_Additional_Informatio

Goodwill - Additional Information (Detail) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
Goodwill and Intangible Assets Disclosure [Abstract]
Impairment losses	$0	$0	$0	$0

Intangibles_Summary_of_Gross_C

Intangibles - Summary of Gross Carrying Amount and Related Accumulated Amortization of Definite-Lived Intangible Assets (Detail) (Customer List [Member], USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Customer List [Member]
Finite-Lived Intangible Assets [Line Items]
Customer List, Gross Carrying Amount	$2,516	$2,589
Customer List, Accumulated Amortization	$1,669	$1,203

Intangibles_Additional_Informa

Intangibles - Additional Information (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Goodwill and Intangible Assets Disclosure [Abstract]
Amortization expense for intangible assets	$573	$676	$779

Intangibles_Summary_of_Future_

Intangibles - Summary of Future Amortization of Intangible Assets (Detail) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Goodwill and Intangible Assets Disclosure [Abstract]
2015	$374
2016	264
2017	164
2018	45
Total	$847	$1,386

Other_Assets_Summary_of_Other_

Other Assets - Summary of Other Assets (Detail) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Restricted cash	$1,900	$1,900
Prepaid expenses	1,896	1,478
Income tax receivable	1,611
Debt issuance costs, net of accumulated amortization	599	1,127
Credit insurance receivable	873	688
Other	804	229
Other Assets, Total	$7,683	$5,422

Debt_Summary_of_the_Companys_D

Debt - Summary of the Company's Debt (Detail) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Schedule Of Long Term Debt [Line Items]
Senior revolving credit facility	$341,419	$362,750
Senior Revolving Credit Facility [Member]
Schedule Of Long Term Debt [Line Items]
Senior revolving credit facility	341,419	362,750
Unused amount of senior revolving credit facility, subject to borrowing base	158,581	137,250
Secured Debt [Member]
Schedule Of Long Term Debt [Line Items]
Secured line of credit	$0	$0

Debt_Additional_Information_De

Debt - Additional Information (Detail) (USD $)	12 Months Ended		1 Months Ended
Debt - Additional Information (Detail) (USD $)	Dec. 31, 2014	Dec. 31, 2013	31-May-13	Apr. 02, 2012
London Interbank Offered Rate (LIBOR) [Member]
Line of Credit Facility [Line Items]
LIBOR interest rate	0.25%	0.25%
Prime Rate [Member]
Line of Credit Facility [Line Items]
Prime interest rate	3.25%	3.25%
Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Secured line of credit	500,000,000	500,000,000
Line of credit facility, accordion feature	100,000,000	100,000,000
Unused line fee per annum	0.50%
Decrease in unused line fee	0.38%
Percentage of advances on debt agreement eligible finance receivables	85.00%
Percentage of advances on finance receivables	80.00%
Debt agreement expiration date	31-May-16
Senior Revolving Credit Facility [Member] \| Prior To May 2013 [Member]
Line of Credit Facility [Line Items]
Secured line of credit			325,000,000
Line of credit facility, accordion feature			75,000,000
Senior Revolving Credit Facility [Member] \| London Interbank Offered Rate (LIBOR) [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread	3.00%
Minimum effective interest rate on line of credit	1.00%
Senior Secured Revolving Credit Facility, Description of Variable Rate Basis	The Company elects between one month and six months, with a LIBOR floor of 1.00%, plus an applicable margin (3% as of December 31, 2014) based on its leverage ratio
Senior Revolving Credit Facility [Member] \| Prime Rate [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread	2.00%
Senior Secured Revolving Credit Facility, Description of Variable Rate Basis	The Company may pay interest at a rate based on the prime rate plus an applicable margin (which was 2% as of December 31, 2014).
Secured Line of Credit [Member]
Line of Credit Facility [Line Items]
Secured line of credit	1,500,000
Interest rate, basis spread	0.25%
Minimum effective interest rate on line of credit	5.00%
Debt agreement expiration date	18-Jan-15
Bank Overdrafts [Member]
Line of Credit Facility [Line Items]
Overdraft Provision related to line of credit	3,000,000
Mezzanine Debt [Member]
Line of Credit Facility [Line Items]
Mezzanine debt				$25,814,000
Debt maturity date	25-Oct-13
Debt interest rate		15.25%
Debt interest rate payable at option		2.00%

Debt_Summary_of_Principal_Paym

Debt - Summary of Principal Payments Required on Outstanding Debt (Detail) (USD $)	Dec. 31, 2014
In Thousands, unless otherwise specified	Dec. 31, 2014
Debt Disclosure [Abstract]
2015	$0
2016	341,419
2017	0
2018	0
2019	0
Total	$341,419

Interest_Rate_Caps_Additional_

Interest Rate Caps - Additional Information (Detail) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2012
Derivative [Line Items]
Notional amount of interest rate cap	$150,000,000
Strike rate	6.00%
Value of interest rate caps		1,000
Interest Rate Caps [Member]
Derivative [Line Items]
Maturity period of interest rate caps exchanged	4-Mar-14
Value of interest rate caps	$0

Interest_Rate_Caps_Summary_of_

Interest Rate Caps - Summary of Changes in Rate Cap (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Offsetting [Abstract]
Balance at end of prior year	$1
Purchases	0
Fair value adjustment included as an (increase) in interest expense	-1	-27
Balance sheet at December 31, 2013, included in other assets		$1

Disclosure_About_Fair_Value_of2

Disclosure About Fair Value of Financial Instruments - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2014
Fair Value Disclosures [Abstract]
Turnover rate of loan portfolio	1.6

Disclosure_About_Fair_Value_of3

Disclosure About Fair Value of Financial Instruments - Carrying Amount and Estimated Fair Values of Company's Financial Instruments (Detail) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Assets
Cash	$4,012	$4,121	$3,298	$4,849
Restricted cash	1,900	1,900
Net finance receivables	505,681	514,595
Repossessed assets	556	548
Liabilities
Senior revolving credit facility	341,419	362,750
Estimated Fair Value [Member] \| Level 1 Inputs [Member]
Assets
Cash	4,012	4,121
Restricted cash	1,900	1,900
Estimated Fair Value [Member] \| Level 3 Inputs [Member]
Assets
Net finance receivables	505,681	514,595
Repossessed assets	556	548
Liabilities
Senior revolving credit facility	341,419	362,750
Carrying Amount [Member] \| Level 1 Inputs [Member]
Assets
Cash	4,012	4,121
Restricted cash	1,900	1,900
Carrying Amount [Member] \| Level 3 Inputs [Member]
Assets
Net finance receivables	505,681	514,595
Repossessed assets	556	548
Liabilities
Senior revolving credit facility	$341,419	$362,750

Disclosure_About_Fair_Value_of4

Disclosure About Fair Value of Financial Instruments - Assets and Liabilities are Measured at Fair Value on a Nonrecurring Basis (Detail) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Losses (charged off amount) adjustments to the assets at fair value	$566	$492
Assets measured at fair value on a nonrecurring basis	556	548
Repossessed Assets [Member] \| Level 3 Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets measured at fair value on a nonrecurring basis	$556	$548

Income_Taxes_Additional_Inform

Income Taxes - Additional Information (Detail) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Schedule Of Income Taxes [Line Items]
Income tax expense	$2,285	$838	$2,649	$3,365	$5,130	$4,539	$3,793	$3,998	$9,137	$17,460	$14,561
Federal income tax rate									35.00%	35.00%	35.00%
Cumulative pre-tax book income position period									3 years	3 years
Taxable income generation period									2 years
State net operating loss carryforward	$2,500				$0				$2,500	$0
Minimum [Member]
Schedule Of Income Taxes [Line Items]
State net operating loss carryforwards expiration period									2029
Maximum [Member]
Schedule Of Income Taxes [Line Items]
State net operating loss carryforwards expiration period									2034

Income_Taxes_Schedule_of_Effec

Income Taxes - Schedule of Effective Income Tax Reconciliation (Detail) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Income Tax Disclosure [Abstract]
U. S. federal tax expense at statutory rate									$8,379	$16,189	$13,760
Increase (reduction) in income taxes resulting from:
Small insurance company income exclusion											-451
State tax, net of federal benefit									603	1,112	1,026
Other									155	159	226
Total	$2,285	$838	$2,649	$3,365	$5,130	$4,539	$3,793	$3,998	$9,137	$17,460	$14,561

Income_Taxes_Income_Tax_Expens

Income Taxes - Income Tax Expense Attributable to Total Income Before Income Taxes (Detail) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Current:
Federal									$11,827	$18,297	$7,467
State and local									1,859	2,457	1,132
Current total									13,686	20,754	8,599
Deferred:
Federal									-3,958	-2,549	5,516
State and local									-591	-745	446
Deferred total									-4,549	-3,294	5,962
Total	$2,285	$838	$2,649	$3,365	$5,130	$4,539	$3,793	$3,998	$9,137	$17,460	$14,561

Income_Taxes_Net_Deferred_Tax_

Income Taxes - Net Deferred Tax Assets and Liabilities (Detail) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Deferred tax assets:
Allowance for credit losses	$15,620	$10,769
Unearned insurance commissions	1,490	1,461
Deferred loan fees	134	3,601
Share-based compensation	1,694	988
Amortization of intangible assets	609	501
State net operating loss carryforward	69
Accrued expenses	828	694
Other	189	12
Gross deferred tax assets	20,633	18,026
Deferred tax liabilities:
Fair market value adjustment of finance receivables	14,403	16,753
Deferred loan costs	2,283	2,226
Tax over book depreciation	1,403	1,182
Prepaid expenses	518	510
Other	156	8
Gross deferred tax liabilities	18,763	20,679
Net deferred tax asset (liability)	$1,870	($2,653)

Earnings_Per_Share_Computation

Earnings Per Share - Computation of Basic and Diluted Earnings Per Share (Detail) (USD $)	3 Months Ended								12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Basic earnings per share
Income available to common stockholders, Net Income	$3,381	$1,397	$4,414	$5,610	$8,385	$7,241	$6,404	$6,764	$14,802	$28,794	$24,752
Income available to common stockholders, Per Share	$0.27	$0.11	$0.35	$0.44	$0.66	$0.58	$0.51	$0.54	$1.17	$2.29	$2.12
Income available to common stockholders, Shares									12,701,083	12,572,298	11,694,924
Effect of dilutive securities
Options to purchase common stock, Shares									250,358	321,395	285,824
Diluted earnings per share
Income available to common stockholders plus assumed exercise of options to purchase common stock, Net Income	$3,381	$1,397	$4,414	$5,610	$8,385	$7,241	$6,404	$6,764	$14,802	$28,794	$24,752
Income available to common stockholders plus assumed exercise of options to purchase common stock, Per Share	$0.26	$0.11	$0.34	$0.43	$0.65	$0.56	$0.50	$0.53	$1.14	$2.23	$2.07
Income available to common stockholders plus assumed exercise of options to purchase common stock, Shares									12,951,441	12,893,693	11,980,748

Earnings_Per_Share_Additional_

Earnings Per Share - Additional Information (Detail) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Dilutive Securities Included And Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase common stock, Per Share	$11.63	$10.70
Equity Option [Member]
Dilutive Securities Included And Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase common stock, Shares	478,131	26,500	310,000
Options to purchase common stock, Per Share		$33.93	$15
Equity Option [Member] \| Minimum [Member]
Dilutive Securities Included And Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase common stock, Per Share	$15
Equity Option [Member] \| Maximum [Member]
Dilutive Securities Included And Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase common stock, Per Share	$33.93

Related_Party_Transactions_Add

Related Party Transactions - Additional Information (Detail)	1 Months Ended
	Apr. 30, 2012	Mar. 31, 2012
	Owner	Sponsor
Individual Owners [Member]
Related Party Transaction [Line Items]
Number of individual owners	3
Sponsors [Member]
Related Party Transaction [Line Items]
Number of Sponsors		2

Related_Party_Transactions_Sum

Related Party Transactions - Summary of Transactions with Sponsors and Individual Owners who Retain an Interest (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2012
Related Party Transaction [Line Items]
Consulting/Advisory fees expense	$1,451
Individual Owners [Member]
Related Party Transaction [Line Items]
Interest paid on mezzanine debt	195
Financing fees	3
Consulting/Advisory fees expense	563
Sponsors [Member]
Related Party Transaction [Line Items]
Interest paid on mezzanine debt	812
Financing fees	12
Consulting/Advisory fees expense	$888

Employee_Benefit_Plans_Additio

Employee Benefit Plans - Additional Information (Detail) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Employee Benefit Plans [Line Items]
Minimum service period required		1 year
Matching contribution up to 3 percent		100.00%	100.00%	100.00%
Matching contribution from 3 to 5 percent		50.00%	50.00%	50.00%
Employee contribution matched at 100%		3.00%	3.00%	3.00%
Employee contribution matched at 50%		2.00%	2.00%	2.00%
Expense of employee related plan		$451	$416	$367
Employment agreement date		18-Mar-13
Expense related to separation agreement with CEO	1,153
Health Insurance Plan [Member]
Employee Benefit Plans [Line Items]
Other employee compensation		3,938	2,724	1,907
Annual Incentive Plan [Member]
Employee Benefit Plans [Line Items]
Other employee compensation		$820	$597	$545
Number of performance metrics		5

Sharebased_Compensation_Additi

Share-based Compensation - Additional Information (Detail) (USD $)	0 Months Ended	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Oct. 28, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Fair value of grants		100.00%
Shares available for grant		744,000
Equity restricted awards compensation for annual service to each of non-employee directors	4,484
Percent of shares foregone for tax obligations	40.00%
Board compensation grant period	5 days
Long Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share based compensation award, vesting date		31-Dec-16
Director [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Incremental director compensation expense			$1,200
Minimum [Member] \| Long Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of performance target for achievement		0.00%
Maximum [Member] \| Long Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of performance target for achievement		150.00%
Stock Compensation Plans [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock reserved for issuance pursuant to grants		1,987,412
Fair value of grants		100.00%
Incremental director compensation expense		2,312	1,572	542
Unrecognized stock-based compensation expense		3,418
Period of recognition of stock-based compensation expense		2 years 4 months 24 days
Income tax benefit, Total		891	$258	$211
Exercise period of options		10 years
Stock Compensation Plans [Member] \| 2011 Stock Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant		296,483
Vesting period (in years)		5 years
Stock Compensation Plans [Member] \| 2011 Stock Plan [Member] \| Share-based Compensation Award, Tranche Two [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options vested		20.00%
Stock Compensation Plans [Member] \| 2007 Stock Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant		447,790
Options vested		20.00%
Vesting period (in years)		4 years
Stock Compensation Plans [Member] \| 2007 Stock Plan [Member] \| Share-based Compensation Award, Tranche One [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options vested		20.00%

Sharebased_Compensation_Fair_V

Share-based Compensation - Fair Value of Option Grants (Detail)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Expected volatility	42.68%	47.74%	48.49%
Expected dividends	0.00%	0.00%	0.00%
Expected term (in years)	6 years 2 months 16 days	10 years	10 years
Risk-free rate	1.94%	2.03%	2.20%

Sharebased_Compensation_Summar

Share-based Compensation - Summary of Company's Stock Option Plan Activity (Detail) (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2014
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Number of Shares, Options outstanding, Beginning balance	866
Number of Shares, Granted	155
Number of Shares, Exercised	-46
Number of Shares, Forfeited	-72
Number of Shares, Expired	-7
Number of Shares, Options outstanding, Ending balance	896
Number of Shares, Options exercisable	621
Number of Shares, Available for grant	744
Weighted Average Price Per Share, Options outstanding, Beginning balance	$10.70
Weighted Average Price Per Share, Granted	$17.76
Weighted Average Price Per Share, Exercised	$5.88
Weighted Average Price Per Share, Forfeited	$16.90
Weighted Average Price Per Share, Expired	$15
Weighted Average Price Per Share, Options outstanding, Ending balance	$11.63
Weighted Average Price Per Share, Options exercisable	$8.81
Weighted Average Remaining Contractual Life (Years), Options outstanding	4 years 6 months
Weighted Average Remaining Contractual Life (Years), Options exercisable	2 years 9 months 18 days
Aggregate Intrinsic Value, Options outstanding	$4,520
Aggregate Intrinsic Value, Options exercisable	$4,465

Sharebased_Compensation_Summar1

Share-based Compensation - Summary of Additional Stock Option Information (Detail) (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Share-based Compensation Arrangement by Share-based Payment Award, Options Outstanding, Weighted Average Exercise Price, and Additional Disclosures [Abstract]
Weighted-average grant date fair value per award	$7.83	$12.09	$9.07
Intrinsic value of options exercised	$584	$2,448
Fair value of stock options that vested	$1,484	$517	$245

Sharebased_Compensation_Summar2

Share-based Compensation - Summary of Restricted Stock Unit Activity (Detail) (Restricted Stock Units (RSUs) [Member], USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2014
Restricted Stock Units (RSUs) [Member]
Schedule Of Nonvested Stock Option Activity [Line Items]
Shares, Granted	57
Shares, Vested	0
Shares, Forfeited	-22
Non-vested shares, end of the year	35
Weighted Average Grant Date Fair Value, Granted	$17.76
Weighted Average Grant Date Fair Value, Vested	$0
Weighted Average Grant Date Fair Value, Forfeited	$17.76
Weighted Average Grant Date Fair Value, Non-vested restricted stock, end of the period	$17.76

Sharebased_Compensation_Summar3

Share-based Compensation - Summary of Cash Settled Performance Shares Activity (Detail) (Performance Shares [Member], USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2014
Performance Shares [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares, Granted	1,016
Shares, Vested	0
Shares, Forfeited	-387
Non-vested shares, end of the year	629
Weighted Average Grant Date Fair Value, Granted	$1
Weighted Average Grant Date Fair Value, Vested	$0
Weighted Average Grant Date Fair Value, Forfeited	$1
Weighted Average Grant Date Fair Value, Non-vested restricted stock, end of the period	$1

Sharebased_Compensation_Summar4

Share-based Compensation - Summary of Restricted Stock Activity (Detail) (Restricted Stock [Member], USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Restricted Stock [Member]
Schedule Of Nonvested Restricted Stock Activity [Line Items]
Shares, Granted	73
Shares, Vested	-13
Shares, Forfeited	0
Non-vested shares, end of the year	60
Weighted Average Grant Date Fair Value, Granted	$16.23	$33.74
Weighted Average Grant Date Fair Value, Vested	$17.76
Weighted Average Grant Date Fair Value, Forfeited	$0
Weighted Average Grant Date Fair Value, Non-vested restricted stock, end of the period	$15.91

Sharebased_Compensation_Summar5

Share-based Compensation - Summary of Additional Restricted Stock Information (Detail) (Restricted Stock [Member], USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Restricted Stock [Member]
Schedule Of Nonvested Restricted Stock Activity [Line Items]
Weighted-average grant date fair value per award	$16.23	$33.74
Fair value of restricted stock that vested	$224	$870

Commitments_and_Contingencies_

Commitments and Contingencies - Additional Information (Detail) (USD $)	Dec. 31, 2014
In Thousands, unless otherwise specified	Dec. 31, 2014
Commitments and Contingencies Disclosure [Abstract]
Estimated loss	$497

Credit_Insurance_Products_Prem

Credit Insurance Products - Premiums Written and Reinsured Earned Premium (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Insurance [Abstract]
Net Written Premiums	$17,831	$17,260	$15,718
Earned Premiums	$17,385	$16,057	$14,473

Credit_Insurance_Products_Addi

Credit Insurance Products - Additional Information (Detail) (USD $)	1 Months Ended	12 Months Ended
	Apr. 30, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Insurance [Line Items]
Increase in letter of credit secured by cash deposit	$1,900,000
Letter of credit secured by cash deposit		1,900,000
Restricted cash		1,900,000	1,900,000
Term of CPI Policy		1 year
Recognized revenue		185,000	242,000	251,000
Letter of Credit [Member]
Insurance [Line Items]
Restricted cash		1,900,000	1,900,000
After July 1, 2014 [Member]
Insurance [Line Items]
CPI policy commission earned		$0

Business_Combination_Summary_o

Business Combination - Summary of Business Combination Activity (Detail) (USD $)	Dec. 31, 2014	Aug. 18, 2014	Dec. 31, 2013	Apr. 05, 2013
In Thousands, unless otherwise specified	Branches	Branches	Branches	Branches
	Office		Office
Business Combinations [Abstract]
Branches purchased	1	1	2	2
Branches merged into existing offices	0		0
Net new offices	1		2
Tangible assets:
Net finance receivables	$96		$211
Property and equipment			11
Other	0		0
Intangible assets:
Customer list	32
Goodwill			353
Total purchase price	$128	$128	$575	$575

Business_Combination_Additiona

Business Combination - Additional Information (Detail) (USD $)	Dec. 31, 2014	Aug. 18, 2014	Dec. 31, 2013	Apr. 05, 2013
In Thousands, unless otherwise specified	Branches	Branches	Branches	Branches
Business Combinations [Abstract]
Total purchase price	$128	$128	$575	$575
Branches purchased	1	1	2	2

Recovered_Sheet1

Quarterly Information (Unaudited) - Summary of the Company's Quarterly Financial Information (Detail) (USD $)	3 Months Ended								12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Quarterly Financial Information Disclosure [Abstract]
Total revenue	$53,792	$53,909	$47,437	$49,581	$48,542	$44,305	$39,182	$38,600	$204,719	$170,629	$135,697
Provision for credit losses	15,950	22,542	13,620	16,945	11,638	11,078	8,405	8,071	69,057	39,192	27,765
General and administrative expenses	28,396	25,284	23,198	19,898	19,480	17,534	17,339	16,686
Interest expense	3,780	3,848	3,556	3,763	3,909	3,913	3,241	3,081	14,947	14,144	11,610
Income tax	2,285	838	2,649	3,365	5,130	4,539	3,793	3,998	9,137	17,460	14,561
Net income	3,381	1,397	4,414	5,610	8,385	7,241	6,404	6,764	14,802	28,794	24,752
Net income per common share:
Total revenue	53,792	53,909	47,437	49,581	48,542	44,305	39,182	38,600	204,719	170,629	135,697
Provision for credit losses	15,950	22,542	13,620	16,945	11,638	11,078	8,405	8,071	69,057	39,192	27,765
General and administrative expenses	28,396	25,284	23,198	19,898	19,480	17,534	17,339	16,686
Interest expense	3,780	3,848	3,556	3,763	3,909	3,913	3,241	3,081	14,947	14,144	11,610
Income tax	2,285	838	2,649	3,365	5,130	4,539	3,793	3,998	9,137	17,460	14,561
Net income	$3,381	$1,397	$4,414	$5,610	$8,385	$7,241	$6,404	$6,764	$14,802	$28,794	$24,752
Basic	$0.27	$0.11	$0.35	$0.44	$0.66	$0.58	$0.51	$0.54	$1.17	$2.29	$2.12
Diluted	$0.26	$0.11	$0.34	$0.43	$0.65	$0.56	$0.50	$0.53	$1.14	$2.23	$2.07

Subsequent_Events_Additional_I

Subsequent Events - Additional Information (Detail) (Chief Executive Officer [Member], Subsequent Event [Member], USD $)	1 Months Ended
In Thousands, unless otherwise specified	Jan. 31, 2015
Chief Executive Officer [Member] \| Subsequent Event [Member]
Subsequent Event [Line Items]
Share-based compensation expense	$1,500