Regional Management (RM) 10-Q 30 Oct 15 2015 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2015	Oct. 29, 2015
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q3
Trading Symbol	RM
Entity Registrant Name	Regional Management Corp.
Entity Central Index Key	1,519,401
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		12,913,884

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Assets
Cash	$ 4,922	$ 4,012
Gross finance receivables	743,003	663,432
Less unearned finance charges, insurance premiums, and commissions	(141,395)	(117,240)
Finance receivables	601,608	546,192
Allowance for credit losses	(37,786)	(40,511)
Net finance receivables	563,822	505,681
Property and equipment, net of accumulated depreciation	9,377	8,905
Deferred tax asset, net	265	1,870
Repossessed assets at net realizable value	343	556
Goodwill	716	716
Intangible assets, net	564	847
Other assets	8,957	7,683
Total assets	588,966	530,270
Liabilities:
Senior revolving credit facility	379,617	341,419
Accounts payable and accrued expenses	11,754	10,528
Total liabilities	$ 391,371	$ 351,947
Commitments and Contingencies
Stockholders' equity:
Preferred stock, $0.10 par value, 100,000 shares authorized, no shares issued or outstanding
Common stock, $0.10 par value, 1,000,000 shares authorized, 12,914 and 12,748 shares issued and outstanding at September 30, 2015 and December 31, 2014, respectively	$ 1,291	$ 1,275
Additional paid-in-capital	88,913	85,655
Retained earnings	107,391	91,393
Total stockholders' equity	197,595	178,323
Total liabilities and stockholders' equity	$ 588,966	$ 530,270

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Sep. 30, 2015	Dec. 31, 2014
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	12,914,000	12,748,000
Common stock, shares outstanding	12,914,000	12,748,000

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Revenue
Interest and fee income	$ 49,741	$ 48,792	$ 144,474	$ 135,833
Insurance income, net	2,767	2,636	8,816	8,412
Other income	2,588	2,481	7,331	6,682
Total revenue	55,096	53,909	160,621	150,927
Expenses
Provision for credit losses	14,085	22,542	35,899	53,106
Personnel	15,993	14,042	51,964	38,284
Occupancy	4,590	4,221	13,053	11,418
Marketing	1,134	1,756	5,614	4,488
Other	4,465	5,265	16,417	14,191
Total general and administrative expenses	26,182	25,284	87,048	68,381
Interest expense	4,335	3,848	11,871	11,167
Income before income taxes	10,494	2,235	25,803	18,273
Income taxes	3,987	838	9,805	6,852
Net income	$ 6,507	$ 1,397	$ 15,998	$ 11,421
Net income per common share:
Basic	$ 0.51	$ 0.11	$ 1.25	$ 0.90
Diluted	$ 0.50	$ 0.11	$ 1.22	$ 0.88
Weighted average shares outstanding:
Basic	12,881	12,714	12,835	12,687
Diluted	13,111	12,934	13,063	12,950

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($) shares in Thousands, $ in Thousands	Total	Common Stock [Member]	Additional Paid-in-Capital [Member]	Retained Earnings [Member]
Beginning Balance at Dec. 31, 2013	$ 161,173	$ 1,265	$ 83,317	$ 76,591
Beginning Balance, shares at Dec. 31, 2013		12,652
Issuance of restricted stock awards		$ 7	(7)
Issuance of restricted stock awards, shares		73
Exercise of stock options	123	$ 5	118
Exercise of stock options, shares		46
Excess tax benefit from exercise of stock options	161		161
Shares withheld related to net share settlement	(196)	$ (2)	(194)
Shares withheld related to net share settlement, shares		(23)
Share-based compensation	2,260		2,260
Net income	14,802			14,802
Ending Balance at Dec. 31, 2014	178,323	$ 1,275	85,655	91,393
Ending Balance, shares at Dec. 31, 2014		12,748
Issuance of restricted stock awards, net of forfeiture		$ 11	(11)
Issuance of restricted stock awards, shares		108
Exercise of stock options	$ 14	$ 14
Exercise of stock options, shares	145	145
Excess tax benefit from exercise of stock options	$ 378		378
Shares withheld related to net share settlement	(544)	$ (9)	(535)
Shares withheld related to net share settlement, shares		(87)
Share-based compensation	3,426		3,426
Net income	15,998			15,998
Ending Balance at Sep. 30, 2015	$ 197,595	$ 1,291	$ 88,913	$ 107,391
Ending Balance, shares at Sep. 30, 2015		12,914

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Cash flows from operating activities:
Net income	$ 15,998	$ 11,421
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	35,899	53,106
Depreciation and amortization	2,719	2,895
Loss on disposal of property and equipment	343	15
Accretion of discounts on purchased receivables	(20)	(74)
Share-based compensation	3,595	825
Fair value adjustment on interest rate caps	419
Deferred income taxes, net	1,605	(5,568)
Changes in operating assets and liabilities:
Increase in other assets	(111)	(222)
Increase in other liabilities	1,198	2,546
Net cash provided by operating activities	61,645	64,944
Cash flows from investing activities:
Net origination of finance receivables	(94,020)	(38,393)
Purchase of property and equipment	(2,918)	(3,483)
Payment for business combination, net of cash		(128)
Increase in restricted cash	(1,000)
Net cash used in investing activities	(97,938)	(42,004)
Cash flows from financing activities:
Net advances (payments) on senior revolving credit facility	38,198	(23,427)
Payments for debt issuance costs	(700)	(23)
Proceeds from exercise of stock options		120
Excess tax benefits from exercise of stock options	426	100
Taxes paid related to net share settlement of equity awards	(721)
Net cash provided by (used in) financing activities	37,203	(23,230)
Net change in cash	910	(290)
Cash at beginning of period	4,012	4,121
Cash at end of period	4,922	3,831
Supplemental cash flow information
Interest paid	11,119	10,729
Income taxes paid	$ 8,010	$ 9,524

Nature of Business

Nature of Business	9 Months Ended
	Sep. 30, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Business	Note 1. Nature of Business Regional Management Corp. (the “ Company we us our Seasonality:

Basis of Presentation and Signi

Basis of Presentation and Significant Accounting Policies	9 Months Ended
	Sep. 30, 2015
Accounting Policies [Abstract]
Basis of Presentation and Significant Accounting Policies	Note 2. Basis of Presentation and Significant Accounting Policies Basis of presentation: SEC GAAP Significant accounting policies: Principles of consolidation: 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:

Finance Receivables, Allowance

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information	9 Months Ended
	Sep. 30, 2015
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 consisted of the following: September 30, 2015 December 31, 2014 Branch small loans $ 147,664 $ 128,217 Convenience checks 180,543 191,316 Large loans 119,731 46,147 Automobile loans 128,131 154,382 Retail loans 25,539 26,130 Finance receivables $ 601,608 $ 546,192 Changes in the allowance for credit losses for the periods indicated are as follows: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Balance at beginning of period $ 36,171 $ 34,584 $ 40,511 $ 30,089 Provision for credit losses 14,085 22,542 35,899 53,106 Charge-offs (13,158 ) (12,090 ) (40,706 ) (38,976 ) Charge-offs (180+ policy change) — (2,106 ) — (2,106 ) Recoveries 688 371 2,082 1,188 Balance at end of period $ 37,786 $ 43,301 $ 37,786 $ 43,301 The following is a reconciliation of the allowance for credit losses by product for the periods indicated: Balance July 1, 2015 Provision Charge-offs Charge-offs (180+ Policy Change) Recoveries Balance September 30, 2015 Finance Receivables September 30, 2015 Allowance as Percentage of Finance Receivable September 30, 2015 Branch small loans $ 7,138 $ 4,895 $ (3,620 ) $ — $ 156 $ 8,569 $ 147,664 5.8 % Convenience checks 11,205 5,948 (5,559 ) — 246 11,840 180,543 6.6 % Large loans 5,364 1,000 (715 ) — 84 5,733 119,731 4.8 % Automobile loans 11,121 1,839 (2,845 ) — 178 10,293 128,131 8.0 % Retail loans 1,343 403 (419 ) — 24 1,351 25,539 5.3 % Total $ 36,171 $ 14,085 $ (13,158 ) $ — $ 688 $ 37,786 $ 601,608 6.3 % Balance 2014 Provision Charge-offs Charge-offs (180+ Policy Change) Recoveries Balance 2014 Finance Allowance as Branch small loans $ 6,300 $ 2,453 $ (2,782 ) $ (505 ) $ 101 $ 5,567 $ 114,398 4.9 % Convenience checks 13,004 15,374 (4,681 ) (627 ) 138 23,208 196,026 11.8 % Large loans 1,986 544 (649 ) (203 ) 66 1,744 42,177 4.1 % Automobile loans 11,555 3,999 (3,551 ) (688 ) 47 11,362 163,825 6.9 % Retail loans 1,739 172 (427 ) (83 ) 19 1,420 26,927 5.3 % Total $ 34,584 $ 22,542 $ (12,090 ) $ (2,106 ) $ 371 $ 43,301 $ 543,353 8.0 % Balance 2015 Provision Charge-offs Charge-offs Recoveries Balance 2015 Finance Allowance as Branch small loans $ 6,960 $ 11,307 $ (10,182 ) $ — $ 484 $ 8,569 $ 147,664 5.8 % Convenience checks 18,320 11,977 (19,219 ) — 762 11,840 180,543 6.6 % Large loans 1,980 5,271 (1,719 ) — 201 5,733 119,731 4.8 % Automobile loans 11,776 6,273 (8,303 ) — 547 10,293 128,131 8.0 % Retail loans 1,475 1,071 (1,283 ) — 88 1,351 25,539 5.3 % Total $ 40,511 $ 35,899 $ (40,706 ) $ — $ 2,082 $ 37,786 $ 601,608 6.3 % Balance January 1, Provision Charge-offs Charge-offs Recoveries Balance September 30, 2014 Finance Receivables September 30, 2014 Allowance as Percentage of September 30, 2014 Branch small loans $ 5,166 $ 9,314 $ (8,722 ) $ (505 ) $ 314 $ 5,567 $ 114,398 4.9 % Convenience checks 10,204 30,789 (17,524 ) (627 ) 366 23,208 196,026 11.8 % Large loans 2,233 1,187 (1,715 ) (203 ) 242 1,744 42,177 4.1 % Automobile loans 10,827 10,261 (9,231 ) (688 ) 193 11,362 163,825 6.9 % Retail loans 1,659 1,555 (1,784 ) (83 ) 73 1,420 26,927 5.3 % Total $ 30,089 $ 53,106 $ (38,976 ) $ (2,106 ) $ 1,188 $ 43,301 $ 543,353 8.0 % Finance receivables associated with customers in bankruptcy as a percentage of total finance receivables was 1.0% and 1.1% as of September 30, 2015 and December 31, 2014, respectively. The following is a summary of the finance receivables associated with customers in bankruptcy as of the periods indicated: September 30, 2015 December 31, 2014 Branch small loans $ 530 $ 582 Convenience checks 492 544 Large loans 1,290 1,260 Automobile loans 3,548 3,698 Retail loans 130 119 Total $ 5,990 $ 6,203 The contractual delinquency of the finance receivable portfolio by component for the periods indicated are as follows: September 30, 2015 Branch Small Convenience Check Large Automobile Retail Total $ % $ % $ % $ % $ % $ % Current $ 112,665 76.3 % $ 144,117 79.9 % $ 103,139 86.1 % $ 86,080 67.2 % $ 20,846 81.7 % $ 466,847 77.6 % 1 to 29 days past due 20,833 14.1 % 20,821 11.5 % 12,763 10.7 % 32,724 25.5 % 3,485 13.6 % 90,626 15.1 % Delinquent accounts 30 to 59 days 5,174 3.5 % 4,962 2.7 % 1,643 1.4 % 4,850 3.8 % 465 1.8 % 17,094 2.8 % 60 to 89 days 3,298 2.2 % 3,440 1.9 % 886 0.7 % 2,100 1.6 % 228 0.9 % 9,952 1.7 % 90 to 119 days 2,233 1.5 % 2,711 1.5 % 562 0.5 % 1,181 0.9 % 187 0.7 % 6,874 1.1 % 120 to 149 days 1,900 1.3 % 2,481 1.4 % 474 0.4 % 732 0.6 % 179 0.7 % 5,766 1.0 % 150 to 179 days 1,561 1.1 % 2,011 1.1 % 264 0.2 % 464 0.4 % 149 0.6 % 4,449 0.7 % Total delinquency $ 14,166 9.6 % $ 15,605 8.6 % $ 3,829 3.2 % $ 9,327 7.3 % $ 1,208 4.7 % $ 44,135 7.3 % Total finance receivables $ 147,664 100.0 % $ 180,543 100.0 % $ 119,731 100.0 % $ 128,131 100.0 % $ 25,539 100.0 % $ 601,608 100.0 % Finance receivables in nonaccrual status $ 5,694 3.9 % $ 7,203 4.0 % $ 1,300 1.1 % $ 2,377 1.9 % $ 515 2.0 % $ 17,089 2.8 % 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 82.0 % $ 422,342 77.4 % 1 to 29 days past due 13,967 10.9 % 19,318 10.1 % 7,383 16.0 % 38,656 25.0 % 3,390 13.0 % 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 1.0 % 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 1.0 % 120 0.3 % 513 0.3 % 117 0.4 % 3,674 0.7 % Total delinquency $ 10,247 8.0 % $ 17,165 9.0 % $ 2,106 4.6 % $ 10,302 6.7 % $ 1,316 5.0 % $ 41,136 7.5 % Total finance receivables $ 128,217 100.0 % $ 191,316 100.0 % $ 46,147 100.0 % $ 154,382 100.0 % $ 26,130 100.0 % $ 546,192 100.0 % Finance receivables in nonaccrual status $ 4,325 3.4 % $ 7,589 4.0 % $ 587 1.3 % $ 2,537 1.6 % $ 523 2.0 % $ 15,561 2.8 % Following is a summary of finance receivables evaluated for impairment for the periods indicated: September 30, 2015 Branch Small Convenience Large Automobile Retail Total Customers in bankruptcy specifically evaluated $ 530 $ 492 $ 1,290 $ 3,548 $ 130 $ 5,990 Finance receivables evaluated collectively 147,134 180,051 118,441 124,583 25,409 595,618 Finance receivables outstanding $ 147,664 $ 180,543 $ 119,731 $ 128,131 $ 25,539 $ 601,608 Accounts in bankruptcy in nonaccrual status $ 84 $ 68 $ 84 $ 259 $ 20 $ 515 Amount of the specific reserve for impaired accounts $ 139 $ 125 $ 374 $ 921 $ 20 $ 1,579 Amount of the general component of the allowance $ 8,430 $ 11,715 $ 5,359 $ 9,372 $ 1,331 $ 36,207 December 31, 2014 Branch Small Convenience Check Large Automobile Retail Total Customers in bankruptcy 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 Amount of the general component of the allowance $ 6,817 $ 18,155 $ 1,671 $ 10,795 $ 1,457 $ 38,895 Average recorded investment in impaired finance receivables for the periods indicated are as follows: Three Months Ended Nine Months Ended 2015 2014 2015 2014 Branch small $ 598 $ 1,085 $ 600 $ 1,225 Convenience check 498 1,198 514 1,442 Large 1,340 1,539 1,291 1,711 Automobile 3,567 4,183 3,616 4,257 Retail 129 209 126 271 Total average recorded investment $ 6,132 $ 8,214 $ 6,147 $ 8,906 Prior to September 2014, impaired finance receivables included receivables that were delinquent 180 days and over. It has been the Company’s practice since September 2014 to charge off finance receivables that reach 180 days delinquent. It is not practical to compute the amount of interest earned on impaired loans.

Debt

Debt	9 Months Ended
	Sep. 30, 2015
Debt Disclosure [Abstract]
Debt	Note 4. Debt On September 18, 2015, the Company amended and restated its senior revolving credit facility, increased availability under the facility from $500,000 to $538,000, and extended the maturity of the facility from May 2016 to September 2018. The facility has an accordion provision that allows for the expansion of the facility to $600,000. 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 3.00% margin. Alternatively, the Company may pay interest at a base rate plus 2.00% margin. The Company also pays an unused line fee, payable monthly, of 50 basis points per annum, which declines to 37.5 basis points at certain usage levels. Advances on the facility are capped at 85% of eligible secured finance receivables plus 70% of eligible unsecured finance receivables. These rates are subject to adjustment at certain credit quality levels (83% secured and 68% unsecured as of September 30, 2015). As of September 30, 2015, the Company had $81,787 of eligible capacity under the facility. The facility also contains restrictive covenants. At September 30, 2015, the Company was in compliance with all debt covenants.

Interest Rate Caps

Interest Rate Caps	9 Months Ended
	Sep. 30, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Interest Rate Caps	Note 5. Interest Rate Caps On April 1, 2015, the Company purchased interest rate caps. The interest rate cap contracts have an aggregate notional principal amount of $150,000, a 2.5% strike rate against one-month LIBOR rates, and mature in April 2018. When the one-month LIBOR exceeds 2.5%, the counterparty reimburses the Company for the excess over 2.5%. No payment is required by the Company or the counterparty when the one-month LIBOR is below 2.5%. The following is a summary of changes in the rate caps: Three Months Ended Nine Months Ended Balance at beginning of period $ 405 $ — Purchases — 577 Fair value adjustment included as an (increase) in interest expense (247 ) (419 ) Balance at end of period, included in other assets $ 158 $ 158

Disclosure About Fair Value of

Disclosure About Fair Value of Financial Instruments	9 Months Ended
	Sep. 30, 2015
Fair Value Disclosures [Abstract]
Disclosure About Fair Value of Financial Instruments	Note 6. 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: Interest rate caps: Repossessed assets: Debt: The carrying amount and estimated fair values of the Company’s financial instruments summarized by level are as follows: September 30, 2015 December 31, 2014 Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Assets Level 1 inputs Cash $ 4,922 $ 4,922 $ 4,012 $ 4,012 Restricted cash 2,900 2,900 1,900 1,900 Level 2 inputs Interest rate caps 158 158 — — Level 3 inputs Net finance receivables 563,822 563,822 505,681 505,681 Repossessed assets 343 343 556 556 Liabilities Level 3 inputs Senior revolving credit facility 379,617 379,617 341,419 341,419 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.

Earnings Per Share

Earnings Per Share	9 Months Ended
	Sep. 30, 2015
Earnings Per Share [Abstract]
Earnings Per Share	Note 7. Earnings Per Share The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Numerator: Net income $ 6,507 $ 1,397 $ 15,998 $ 11,421 Denominator: Weighted average shares outstanding for basic earnings per share 12,881 12,714 12,835 12,687 Effect of dilutive securities 230 220 228 263 Weighted average shares adjusted for dilutive securities 13,111 12,934 13,063 12,950 Earnings per share: Basic $ 0.51 $ 0.11 $ 1.25 $ 0.90 Diluted $ 0.50 $ 0.11 $ 1.22 $ 0.88 Options to purchase 488 and 379 shares of common stock were outstanding during the three and nine months ended September 30, 2015 and 2014, respectively, but were not included in the computation of diluted earnings per share because they were anti-dilutive.

Share-Based Compensation

Share-Based Compensation	9 Months Ended
	Sep. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Share-Based Compensation	Note 8. Share-Based Compensation The Company previously adopted the 2007 Management Incentive Plan (the “ 2007 Plan 2011 Plan 2015 Plan As of September 30, 2015, unrecognized share-based compensation expense to be recognized over future periods approximated $5,363. This amount will be recognized as expense over a weighted-average period of 2.1 years. Share-based compensation expenses are recognized on a straight-line basis over the requisite service period of the agreement. All share-based compensation is classified as equity except where otherwise noted. The Company allows for the settlement of share-based awards on a net share basis. With net share settlement, the employee does not surrender any cash or shares upon the exercise of stock options or the vesting of stock awards or stock units. Rather, the Company withholds the number of shares with a value equivalent to the option exercise price, for stock options, and the minimum statutory tax withholding for all share-based awards. Net share settlements have the effect of reducing the number of shares that would have otherwise been issued as a result of exercise or vesting. Long-term incentive program: RSU CSPU Inducement and retention program: Board compensation program: The following are the terms and amounts of the awards issued under the Company’s share-based incentive programs: Stock options: 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 nine months ended September 30, 2015. No stock options were granted in the three or nine months ended September 30, 2014. 2015 Expected volatility 47.15% Expected dividends 0.00% Expected term (in years) 6.15 Risk-free rate 1.62% Expected volatility is based on the Company’s historical stock price volatility. The expected term is calculated by using the simplified method (average of the vesting and original contractual terms) 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 nine months ended September 30, 2015: Number of Shares Weighted-Average Price Per Share Weighted-Average Remaining Contractual Life (Years) Aggregate Intrinsic Value Options outstanding, beginning of the year 896 $ 11.63 Granted 309 15.25 Exercised (145 ) 6.45 Forfeited (17 ) 15.96 Expired — — Options outstanding at September 30, 2015 1,043 $ 13.35 5.5 $ 3,152 Options exercisable at September 30, 2015 585 $ 10.75 2.9 $ 2,986 Available for grant at September 30, 2015 563 The following table provides additional stock option information: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Weighted-average grant date fair value per share $ 8.56 $ — $ 7.13 $ — Intrinsic value of options exercised $ 630 $ 319 $ 1,524 $ 319 Fair value of stock options that vested $ 42 $ 698 $ 892 $ 698 Restricted stock units: The following table summarizes restricted stock unit activity during the nine months ended September 30, 2015. No restricted stock units were granted in the three or nine months ended September 30, 2014: Units Weighted-Average Grant Date Fair Value Non-vested units, beginning of the year 35 $ 17.76 Granted 95 14.88 Vested — — Forfeited (7 ) 17.76 Non-vested units, at September 30, 2015 123 $ 15.54 The following table provides additional restricted stock unit information: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Weighted-average grant date fair value per unit $ 19.01 $ — $ 14.88 $ — Cash-settled performance units: The following table summarizes cash-settled performance unit activity during the nine months ended September 30, 2015. No cash-settled performance units were granted in the three or nine months ended September 30, 2014: Units Weighted-Average Grant Date Fair Value Non-vested units, beginning of the year 629 $ 1.00 Granted 1,412 1.00 Vested — — Forfeited (125 ) 1.00 Non-vested units, at September 30, 2015 1,916 $ 1.00 Restricted stock awards: In January 2015, the Company entered into an Employment Agreement with its Chief Executive Officer. Pursuant to the Employment Agreement, the Company granted the executive 99 fully-vested shares of common stock, subject to a holding period requirement, and recognized $1,530 of expense during the nine months ended September 30, 2015. The following table summarizes restricted stock activity during the nine months ended September 30, 2015: Shares Weighted-Average Grant Date Fair Value Non-vested shares, beginning of the year 60 $ 15.91 Granted 120 15.36 Vested (145 ) 15.17 Forfeited (12 ) 17.76 Non-vested shares, at September 30, 2015 23 $ 16.74 The following table provides additional restricted stock information: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Weighted-average grant date fair value per share $ 19.42 $ 15.13 $ 15.36 $ 15.29 Fair value of restricted stock awards that vested $ — $ — $ 2,198 $ —

Commitments and Contingencies

Commitments and Contingencies	9 Months Ended
	Sep. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 9. 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 1933 Act Claims Plaintiffs 1934 Act Claims 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 plan to negotiate 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 September 30, 2015, the Company has accrued $523 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, additional loss, 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.

Basis of Presentation and Sig16

Basis of Presentation and Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2015
Accounting Policies [Abstract]
Basis of presentation	Basis of presentation: SEC GAAP
Principles of consolidation	Principles of consolidation:
Use of 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:

Finance Receivables, Allowanc17

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information (Tables)	9 Months Ended
	Sep. 30, 2015
Receivables [Abstract]
Summary of Finance Receivables	Finance receivables consisted of the following: September 30, 2015 December 31, 2014 Branch small loans $ 147,664 $ 128,217 Convenience checks 180,543 191,316 Large loans 119,731 46,147 Automobile loans 128,131 154,382 Retail loans 25,539 26,130 Finance receivables $ 601,608 $ 546,192
Summary of Changes in Allowance for Credit Losses	Changes in the allowance for credit losses for the periods indicated are as follows: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Balance at beginning of period $ 36,171 $ 34,584 $ 40,511 $ 30,089 Provision for credit losses 14,085 22,542 35,899 53,106 Charge-offs (13,158 ) (12,090 ) (40,706 ) (38,976 ) Charge-offs (180+ policy change) — (2,106 ) — (2,106 ) Recoveries 688 371 2,082 1,188 Balance at end of period $ 37,786 $ 43,301 $ 37,786 $ 43,301
Reconciliation of Allowance for Credit Losses	The following is a reconciliation of the allowance for credit losses by product for the periods indicated: Balance July 1, 2015 Provision Charge-offs Charge-offs (180+ Policy Change) Recoveries Balance September 30, 2015 Finance Receivables September 30, 2015 Allowance as Percentage of Finance Receivable September 30, 2015 Branch small loans $ 7,138 $ 4,895 $ (3,620 ) $ — $ 156 $ 8,569 $ 147,664 5.8 % Convenience checks 11,205 5,948 (5,559 ) — 246 11,840 180,543 6.6 % Large loans 5,364 1,000 (715 ) — 84 5,733 119,731 4.8 % Automobile loans 11,121 1,839 (2,845 ) — 178 10,293 128,131 8.0 % Retail loans 1,343 403 (419 ) — 24 1,351 25,539 5.3 % Total $ 36,171 $ 14,085 $ (13,158 ) $ — $ 688 $ 37,786 $ 601,608 6.3 % Balance 2014 Provision Charge-offs Charge-offs (180+ Policy Change) Recoveries Balance 2014 Finance Allowance as Branch small loans $ 6,300 $ 2,453 $ (2,782 ) $ (505 ) $ 101 $ 5,567 $ 114,398 4.9 % Convenience checks 13,004 15,374 (4,681 ) (627 ) 138 23,208 196,026 11.8 % Large loans 1,986 544 (649 ) (203 ) 66 1,744 42,177 4.1 % Automobile loans 11,555 3,999 (3,551 ) (688 ) 47 11,362 163,825 6.9 % Retail loans 1,739 172 (427 ) (83 ) 19 1,420 26,927 5.3 % Total $ 34,584 $ 22,542 $ (12,090 ) $ (2,106 ) $ 371 $ 43,301 $ 543,353 8.0 % Balance 2015 Provision Charge-offs Charge-offs Recoveries Balance 2015 Finance Allowance as Branch small loans $ 6,960 $ 11,307 $ (10,182 ) $ — $ 484 $ 8,569 $ 147,664 5.8 % Convenience checks 18,320 11,977 (19,219 ) — 762 11,840 180,543 6.6 % Large loans 1,980 5,271 (1,719 ) — 201 5,733 119,731 4.8 % Automobile loans 11,776 6,273 (8,303 ) — 547 10,293 128,131 8.0 % Retail loans 1,475 1,071 (1,283 ) — 88 1,351 25,539 5.3 % Total $ 40,511 $ 35,899 $ (40,706 ) $ — $ 2,082 $ 37,786 $ 601,608 6.3 % Balance January 1, Provision Charge-offs Charge-offs Recoveries Balance September 30, 2014 Finance Receivables September 30, 2014 Allowance as Percentage of September 30, 2014 Branch small loans $ 5,166 $ 9,314 $ (8,722 ) $ (505 ) $ 314 $ 5,567 $ 114,398 4.9 % Convenience checks 10,204 30,789 (17,524 ) (627 ) 366 23,208 196,026 11.8 % Large loans 2,233 1,187 (1,715 ) (203 ) 242 1,744 42,177 4.1 % Automobile loans 10,827 10,261 (9,231 ) (688 ) 193 11,362 163,825 6.9 % Retail loans 1,659 1,555 (1,784 ) (83 ) 73 1,420 26,927 5.3 % Total $ 30,089 $ 53,106 $ (38,976 ) $ (2,106 ) $ 1,188 $ 43,301 $ 543,353 8.0 %
Finance Receivables Associated with Customers in Bankruptcy	The following is a summary of the finance receivables associated with customers in bankruptcy as of the periods indicated: September 30, 2015 December 31, 2014 Branch small loans $ 530 $ 582 Convenience checks 492 544 Large loans 1,290 1,260 Automobile loans 3,548 3,698 Retail loans 130 119 Total $ 5,990 $ 6,203
Contractual Delinquency of the Finance Receivable Portfolio by Component	The contractual delinquency of the finance receivable portfolio by component for the periods indicated are as follows: September 30, 2015 Branch Small Convenience Check Large Automobile Retail Total $ % $ % $ % $ % $ % $ % Current $ 112,665 76.3 % $ 144,117 79.9 % $ 103,139 86.1 % $ 86,080 67.2 % $ 20,846 81.7 % $ 466,847 77.6 % 1 to 29 days past due 20,833 14.1 % 20,821 11.5 % 12,763 10.7 % 32,724 25.5 % 3,485 13.6 % 90,626 15.1 % Delinquent accounts 30 to 59 days 5,174 3.5 % 4,962 2.7 % 1,643 1.4 % 4,850 3.8 % 465 1.8 % 17,094 2.8 % 60 to 89 days 3,298 2.2 % 3,440 1.9 % 886 0.7 % 2,100 1.6 % 228 0.9 % 9,952 1.7 % 90 to 119 days 2,233 1.5 % 2,711 1.5 % 562 0.5 % 1,181 0.9 % 187 0.7 % 6,874 1.1 % 120 to 149 days 1,900 1.3 % 2,481 1.4 % 474 0.4 % 732 0.6 % 179 0.7 % 5,766 1.0 % 150 to 179 days 1,561 1.1 % 2,011 1.1 % 264 0.2 % 464 0.4 % 149 0.6 % 4,449 0.7 % Total delinquency $ 14,166 9.6 % $ 15,605 8.6 % $ 3,829 3.2 % $ 9,327 7.3 % $ 1,208 4.7 % $ 44,135 7.3 % Total finance receivables $ 147,664 100.0 % $ 180,543 100.0 % $ 119,731 100.0 % $ 128,131 100.0 % $ 25,539 100.0 % $ 601,608 100.0 % Finance receivables in nonaccrual status $ 5,694 3.9 % $ 7,203 4.0 % $ 1,300 1.1 % $ 2,377 1.9 % $ 515 2.0 % $ 17,089 2.8 % 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 82.0 % $ 422,342 77.4 % 1 to 29 days past due 13,967 10.9 % 19,318 10.1 % 7,383 16.0 % 38,656 25.0 % 3,390 13.0 % 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 1.0 % 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 1.0 % 120 0.3 % 513 0.3 % 117 0.4 % 3,674 0.7 % Total delinquency $ 10,247 8.0 % $ 17,165 9.0 % $ 2,106 4.6 % $ 10,302 6.7 % $ 1,316 5.0 % $ 41,136 7.5 % Total finance receivables $ 128,217 100.0 % $ 191,316 100.0 % $ 46,147 100.0 % $ 154,382 100.0 % $ 26,130 100.0 % $ 546,192 100.0 % Finance receivables in nonaccrual status $ 4,325 3.4 % $ 7,589 4.0 % $ 587 1.3 % $ 2,537 1.6 % $ 523 2.0 % $ 15,561 2.8 %
Summary of Finance Receivables Evaluated for Impairment	Following is a summary of finance receivables evaluated for impairment for the periods indicated: September 30, 2015 Branch Small Convenience Large Automobile Retail Total Customers in bankruptcy specifically evaluated $ 530 $ 492 $ 1,290 $ 3,548 $ 130 $ 5,990 Finance receivables evaluated collectively 147,134 180,051 118,441 124,583 25,409 595,618 Finance receivables outstanding $ 147,664 $ 180,543 $ 119,731 $ 128,131 $ 25,539 $ 601,608 Accounts in bankruptcy in nonaccrual status $ 84 $ 68 $ 84 $ 259 $ 20 $ 515 Amount of the specific reserve for impaired accounts $ 139 $ 125 $ 374 $ 921 $ 20 $ 1,579 Amount of the general component of the allowance $ 8,430 $ 11,715 $ 5,359 $ 9,372 $ 1,331 $ 36,207 December 31, 2014 Branch Small Convenience Check Large Automobile Retail Total Customers in bankruptcy 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 Amount of the general component of the allowance $ 6,817 $ 18,155 $ 1,671 $ 10,795 $ 1,457 $ 38,895
Schedule of Average Recorded Investment in Impaired Finance Receivables	Average recorded investment in impaired finance receivables for the periods indicated are as follows: Three Months Ended Nine Months Ended 2015 2014 2015 2014 Branch small $ 598 $ 1,085 $ 600 $ 1,225 Convenience check 498 1,198 514 1,442 Large 1,340 1,539 1,291 1,711 Automobile 3,567 4,183 3,616 4,257 Retail 129 209 126 271 Total average recorded investment $ 6,132 $ 8,214 $ 6,147 $ 8,906

Interest Rate Caps (Tables)

Interest Rate Caps (Tables)	9 Months Ended
	Sep. 30, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Summary of Changes in Rate Caps	The following is a summary of changes in the rate caps: Three Months Ended Nine Months Ended Balance at beginning of period $ 405 $ — Purchases — 577 Fair value adjustment included as an (increase) in interest expense (247 ) (419 ) Balance at end of period, included in other assets $ 158 $ 158

Disclosure About Fair Value o19

Disclosure About Fair Value of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2015
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: September 30, 2015 December 31, 2014 Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Assets Level 1 inputs Cash $ 4,922 $ 4,922 $ 4,012 $ 4,012 Restricted cash 2,900 2,900 1,900 1,900 Level 2 inputs Interest rate caps 158 158 — — Level 3 inputs Net finance receivables 563,822 563,822 505,681 505,681 Repossessed assets 343 343 556 556 Liabilities Level 3 inputs Senior revolving credit facility 379,617 379,617 341,419 341,419

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2015
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings Per Share	The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Numerator: Net income $ 6,507 $ 1,397 $ 15,998 $ 11,421 Denominator: Weighted average shares outstanding for basic earnings per share 12,881 12,714 12,835 12,687 Effect of dilutive securities 230 220 228 263 Weighted average shares adjusted for dilutive securities 13,111 12,934 13,063 12,950 Earnings per share: Basic $ 0.51 $ 0.11 $ 1.25 $ 0.90 Diluted $ 0.50 $ 0.11 $ 1.22 $ 0.88

Share-Based Compensation (Table

Share-Based Compensation (Tables)	9 Months Ended
	Sep. 30, 2015
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 nine months ended September 30, 2015. No stock options were granted in the three or nine months ended September 30, 2014. 2015 Expected volatility 47.15% Expected dividends 0.00% Expected term (in years) 6.15 Risk-free rate 1.62%
Summary of Company's Stock Option Plan Activity	The following table summarizes the stock option activity for the nine months ended September 30, 2015: Number of Shares Weighted-Average Price Per Share Weighted-Average Remaining Contractual Life (Years) Aggregate Intrinsic Value Options outstanding, beginning of the year 896 $ 11.63 Granted 309 15.25 Exercised (145 ) 6.45 Forfeited (17 ) 15.96 Expired — — Options outstanding at September 30, 2015 1,043 $ 13.35 5.5 $ 3,152 Options exercisable at September 30, 2015 585 $ 10.75 2.9 $ 2,986 Available for grant at September 30, 2015 563
Summary of Additional Stock Option Information	The following table provides additional stock option information: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Weighted-average grant date fair value per share $ 8.56 $ — $ 7.13 $ — Intrinsic value of options exercised $ 630 $ 319 $ 1,524 $ 319 Fair value of stock options that vested $ 42 $ 698 $ 892 $ 698
Summary of Restricted Stock Unit Activity	The following table summarizes restricted stock unit activity during the nine months ended September 30, 2015. No restricted stock units were granted in the three or nine months ended September 30, 2014: Units Weighted-Average Grant Date Fair Value Non-vested units, beginning of the year 35 $ 17.76 Granted 95 14.88 Vested — — Forfeited (7 ) 17.76 Non-vested units, at September 30, 2015 123 $ 15.54
Summary of Cash Settled Performance Shares Activity	The following table summarizes cash-settled performance unit activity during the nine months ended September 30, 2015. No cash-settled performance units were granted in the three or nine months ended September 30, 2014: Units Weighted-Average Grant Date Fair Value Non-vested units, beginning of the year 629 $ 1.00 Granted 1,412 1.00 Vested — — Forfeited (125 ) 1.00 Non-vested units, at September 30, 2015 1,916 $ 1.00
Summary of Restricted Stock Activity	The following table summarizes restricted stock activity during the nine months ended September 30, 2015: Shares Weighted-Average Grant Date Fair Value Non-vested shares, beginning of the year 60 $ 15.91 Granted 120 15.36 Vested (145 ) 15.17 Forfeited (12 ) 17.76 Non-vested shares, at September 30, 2015 23 $ 16.74
Restricted Stock Units (RSUs) [Member]
Summary of Additional Restricted Stock Information	The following table provides additional restricted stock unit information: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Weighted-average grant date fair value per unit $ 19.01 $ — $ 14.88 $ —
Restricted Stock [Member]
Summary of Additional Restricted Stock Information	The following table provides additional restricted stock information: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Weighted-average grant date fair value per share $ 19.42 $ 15.13 $ 15.36 $ 15.29 Fair value of restricted stock awards that vested $ — $ — $ 2,198 $ —

Nature of Business - Additional

Nature of Business - Additional Information (Detail)	3 Months Ended
	Sep. 30, 2015LocationOffice
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations	322
Number of offices opened | Office	6
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	18
North Carolina [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations	36
Oklahoma [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations	28
South Carolina [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations	71
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	96

Finance Receivables, Allowanc23

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information - Summary of Finance Receivables (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014	Sep. 30, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 601,608	$ 546,192	$ 543,353
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	147,664	128,217	114,398
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	180,543	191,316	196,026
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	119,731	46,147	42,177
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	128,131	154,382	163,825
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 25,539	$ 26,130	$ 26,927

Finance Receivables, Allowanc24

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information - Summary of Changes in Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Receivables [Abstract]
Balance at beginning of period	$ 36,171	$ 34,584	$ 40,511	$ 30,089
Provision for credit losses	14,085	22,542	35,899	53,106
Charge-offs	(13,158)	(12,090)	(40,706)	(38,976)
Charge-offs (180+ policy change)		(2,106)		(2,106)
Recoveries	688	371	2,082	1,188
Balance at end of period	$ 37,786	$ 43,301	$ 37,786	$ 43,301

Finance Receivables, Allowanc25

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information - Reconciliation of Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 36,171	$ 34,584	$ 40,511	$ 30,089
Provision	14,085	22,542	35,899	53,106
Charge-offs	(13,158)	(12,090)	(40,706)	(38,976)
Charge-offs (180+ policy change)		(2,106)		(2,106)
Recoveries	688	371	2,082	1,188
Balance at end of period	37,786	43,301	37,786	43,301
Finance receivables	$ 601,608	$ 543,353	$ 601,608	$ 543,353	$ 546,192
Allowance as Percentage of Finance Receivable	6.30%	8.00%	6.30%	8.00%
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 7,138	$ 6,300	$ 6,960	$ 5,166
Provision	4,895	2,453	11,307	9,314
Charge-offs	(3,620)	(2,782)	(10,182)	(8,722)
Charge-offs (180+ policy change)		(505)		(505)
Recoveries	156	101	484	314
Balance at end of period	8,569	5,567	8,569	5,567
Finance receivables	$ 147,664	$ 114,398	$ 147,664	$ 114,398	128,217
Allowance as Percentage of Finance Receivable	5.80%	4.90%	5.80%	4.90%
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 11,205	$ 13,004	$ 18,320	$ 10,204
Provision	5,948	15,374	11,977	30,789
Charge-offs	(5,559)	(4,681)	(19,219)	(17,524)
Charge-offs (180+ policy change)		(627)		(627)
Recoveries	246	138	762	366
Balance at end of period	11,840	23,208	11,840	23,208
Finance receivables	$ 180,543	$ 196,026	$ 180,543	$ 196,026	191,316
Allowance as Percentage of Finance Receivable	6.60%	11.80%	6.60%	11.80%
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 5,364	$ 1,986	$ 1,980	$ 2,233
Provision	1,000	544	5,271	1,187
Charge-offs	(715)	(649)	(1,719)	(1,715)
Charge-offs (180+ policy change)		(203)		(203)
Recoveries	84	66	201	242
Balance at end of period	5,733	1,744	5,733	1,744
Finance receivables	$ 119,731	$ 42,177	$ 119,731	$ 42,177	46,147
Allowance as Percentage of Finance Receivable	4.80%	4.10%	4.80%	4.10%
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 11,121	$ 11,555	$ 11,776	$ 10,827
Provision	1,839	3,999	6,273	10,261
Charge-offs	(2,845)	(3,551)	(8,303)	(9,231)
Charge-offs (180+ policy change)		(688)		(688)
Recoveries	178	47	547	193
Balance at end of period	10,293	11,362	10,293	11,362
Finance receivables	$ 128,131	$ 163,825	$ 128,131	$ 163,825	154,382
Allowance as Percentage of Finance Receivable	8.00%	6.90%	8.00%	6.90%
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 1,343	$ 1,739	$ 1,475	$ 1,659
Provision	403	172	1,071	1,555
Charge-offs	(419)	(427)	(1,283)	(1,784)
Charge-offs (180+ policy change)		(83)		(83)
Recoveries	24	19	88	73
Balance at end of period	1,351	1,420	1,351	1,420
Finance receivables	$ 25,539	$ 26,927	$ 25,539	$ 26,927	$ 26,130
Allowance as Percentage of Finance Receivable	5.30%	5.30%	5.30%	5.30%

Finance Receivables, Allowanc26

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information - Additional Information (Detail)	9 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Receivables [Abstract]
Finance receivables	1.00%	1.10%
Contractual delinquent period of loans	180 days

Finance Receivables, Allowanc27

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information - Finance Receivables Associated with Customers in Bankruptcy (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables in bankruptcy	$ 5,990	$ 6,203
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables in bankruptcy	530	582
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables in bankruptcy	492	544
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables in bankruptcy	1,290	1,260
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables in bankruptcy	3,548	3,698
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables in bankruptcy	$ 130	$ 119

Finance Receivables, Allowanc28

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information - Contractual Delinquency of the Finance Receivable Portfolio by Component (Detail) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2014	Sep. 30, 2014
Financing Receivable, Recorded Investment [Line Items]
Current	$ 466,847	$ 422,342
Current, Percent	77.60%	77.40%
Total	$ 44,135	$ 41,136
Total, Percent	7.30%	7.50%
Finance receivables	$ 601,608	$ 546,192	$ 543,353
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 17,089	$ 15,561
Finance receivables in nonaccrual status, Percent	2.80%	2.80%
1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 90,626	$ 82,714
Total, Percent	15.10%	15.10%
Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 17,094	$ 15,951
Total, Percent	2.80%	2.90%
Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 9,952	$ 9,624
Total, Percent	1.70%	1.80%
Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 6,874	$ 6,899
Total, Percent	1.10%	1.20%
Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 5,766	$ 4,988
Total, Percent	1.00%	0.90%
Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 4,449	$ 3,674
Total, Percent	0.70%	0.70%
Branch Small [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 112,665	$ 104,003
Current, Percent	76.30%	81.10%
Total	$ 14,166	$ 10,247
Total, Percent	9.60%	8.00%
Finance receivables	$ 147,664	$ 128,217	114,398
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 5,694	$ 4,325
Finance receivables in nonaccrual status, Percent	3.90%	3.40%
Branch Small [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 20,833	$ 13,967
Total, Percent	14.10%	10.90%
Branch Small [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 5,174	$ 3,647
Total, Percent	3.50%	2.80%
Branch Small [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 3,298	$ 2,275
Total, Percent	2.20%	1.80%
Branch Small [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 2,233	$ 1,857
Total, Percent	1.50%	1.40%
Branch Small [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 1,900	$ 1,478
Total, Percent	1.30%	1.20%
Branch Small [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 1,561	$ 990
Total, Percent	1.10%	0.80%
Convenience Checks [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 144,117	$ 154,833
Current, Percent	79.90%	80.90%
Total	$ 15,605	$ 17,165
Total, Percent	8.60%	9.00%
Finance receivables	$ 180,543	$ 191,316	196,026
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 7,203	$ 7,589
Finance receivables in nonaccrual status, Percent	4.00%	4.00%
Convenience Checks [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 20,821	$ 19,318
Total, Percent	11.50%	10.10%
Convenience Checks [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 4,962	$ 5,134
Total, Percent	2.70%	2.70%
Convenience Checks [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 3,440	$ 4,442
Total, Percent	1.90%	2.30%
Convenience Checks [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 2,711	$ 3,312
Total, Percent	1.50%	1.80%
Convenience Checks [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 2,481	$ 2,343
Total, Percent	1.40%	1.20%
Convenience Checks [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 2,011	$ 1,934
Total, Percent	1.10%	1.00%
Large [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 103,139	$ 36,658
Current, Percent	86.10%	79.40%
Total	$ 3,829	$ 2,106
Total, Percent	3.20%	4.60%
Finance receivables	$ 119,731	$ 46,147	42,177
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 1,300	$ 587
Finance receivables in nonaccrual status, Percent	1.10%	1.30%
Large [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 12,763	$ 7,383
Total, Percent	10.70%	16.00%
Large [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 1,643	$ 1,036
Total, Percent	1.40%	2.30%
Large [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 886	$ 483
Total, Percent	0.70%	1.00%
Large [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 562	$ 263
Total, Percent	0.50%	0.60%
Large [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 474	$ 204
Total, Percent	0.40%	0.40%
Large [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 264	$ 120
Total, Percent	0.20%	0.30%
Automobile [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 86,080	$ 105,424
Current, Percent	67.20%	68.30%
Total	$ 9,327	$ 10,302
Total, Percent	7.30%	6.70%
Finance receivables	$ 128,131	$ 154,382	163,825
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 2,377	$ 2,537
Finance receivables in nonaccrual status, Percent	1.90%	1.60%
Automobile [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 32,724	$ 38,656
Total, Percent	25.50%	25.00%
Automobile [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 4,850	$ 5,651
Total, Percent	3.80%	3.70%
Automobile [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 2,100	$ 2,114
Total, Percent	1.60%	1.40%
Automobile [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 1,181	$ 1,266
Total, Percent	0.90%	0.80%
Automobile [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 732	$ 758
Total, Percent	0.60%	0.50%
Automobile [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 464	$ 513
Total, Percent	0.40%	0.30%
Retail [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 20,846	$ 21,424
Current, Percent	81.70%	82.00%
Total	$ 1,208	$ 1,316
Total, Percent	4.70%	5.00%
Finance receivables	$ 25,539	$ 26,130	$ 26,927
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 515	$ 523
Finance receivables in nonaccrual status, Percent	2.00%	2.00%
Retail [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 3,485	$ 3,390
Total, Percent	13.60%	13.00%
Retail [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 465	$ 483
Total, Percent	1.80%	1.80%
Retail [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 228	$ 310
Total, Percent	0.90%	1.20%
Retail [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 187	$ 201
Total, Percent	0.70%	0.80%
Retail [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 179	$ 205
Total, Percent	0.70%	0.80%
Retail [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Total	$ 149	$ 117
Total, Percent	0.60%	0.40%

Finance Receivables, Allowanc29

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information - Summary of Finance Receivables Evaluated for Impairment (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014	Sep. 30, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Customers in bankruptcy specifically evaluated	$ 5,990	$ 6,203
Finance receivables evaluated collectively	595,618	539,989
Finance receivables	601,608	546,192	$ 543,353
Accounts in bankruptcy in nonaccrual status	515	1,007
Amount of the specific reserve for impaired accounts	1,579	1,616
Amount of the general component of the allowance	36,207	38,895
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Customers in bankruptcy specifically evaluated	530	582
Finance receivables evaluated collectively	147,134	127,635
Finance receivables	147,664	128,217	114,398
Accounts in bankruptcy in nonaccrual status	84	140
Amount of the specific reserve for impaired accounts	139	143
Amount of the general component of the allowance	8,430	6,817
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Customers in bankruptcy specifically evaluated	492	544
Finance receivables evaluated collectively	180,051	190,772
Finance receivables	180,543	191,316	196,026
Accounts in bankruptcy in nonaccrual status	68	159
Amount of the specific reserve for impaired accounts	125	165
Amount of the general component of the allowance	11,715	18,155
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Customers in bankruptcy specifically evaluated	1,290	1,260
Finance receivables evaluated collectively	118,441	44,887
Finance receivables	119,731	46,147	42,177
Accounts in bankruptcy in nonaccrual status	84	133
Amount of the specific reserve for impaired accounts	374	309
Amount of the general component of the allowance	5,359	1,671
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Customers in bankruptcy specifically evaluated	3,548	3,698
Finance receivables evaluated collectively	124,583	150,684
Finance receivables	128,131	154,382	163,825
Accounts in bankruptcy in nonaccrual status	259	559
Amount of the specific reserve for impaired accounts	921	981
Amount of the general component of the allowance	9,372	10,795
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Customers in bankruptcy specifically evaluated	130	119
Finance receivables evaluated collectively	25,409	26,011
Finance receivables	25,539	26,130	$ 26,927
Accounts in bankruptcy in nonaccrual status	20	16
Amount of the specific reserve for impaired accounts	20	18
Amount of the general component of the allowance	$ 1,331	$ 1,457

Finance Receivables, Allowanc30

Finance Receivables, Allowance for Credit Losses, and Credit Quality Information - Schedule of Average Recorded Investment in Impaired Finance Receivables (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Financing Receivable, Impaired [Line Items]
Total average recorded investment	$ 6,132	$ 8,214	$ 6,147	$ 8,906
Branch Small [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	598	1,085	600	1,225
Convenience Checks [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	498	1,198	514	1,442
Large [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	1,340	1,539	1,291	1,711
Automobile [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	3,567	4,183	3,616	4,257
Retail [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	$ 129	$ 209	$ 126	$ 271

Debt - Additional Information (

Debt - Additional Information (Detail) - Senior Revolving Credit Facility [Member]	9 Months Ended
	Sep. 30, 2015USD ($)
Line of Credit Facility [Line Items]
Secured line of credit	$ 538,000,000
Debt agreement expiration date	Sep. 18, 2018
Line of credit facility, accordion feature	$ 600,000,000
Unused line fee per annum	0.50%
Decrease in unused line fee	0.375%
Credit facility, eligible capacity	$ 81,787,000
Percentage of advances on debt agreement eligible secured finance receivables	85.00%
Percentage of advances on debt agreement eligible unsecured finance receivables	70.00%
Current percentage of advances on eligible secured finance receivables	83.00%
Current percentage of advances on eligible unsecured finance receivables	68.00%
Senior Revolving Credit Facility Prior To September 18, 2015 [Member]
Line of Credit Facility [Line Items]
Secured line of credit	$ 500,000,000
Debt agreement expiration date	May 13, 2016
London Interbank Offered Rate (LIBOR) [Member]
Line of Credit Facility [Line Items]
Senior Secured Revolving Credit Facility, Description of Variable Rate Basis	The Company elects between one and six months, with a LIBOR floor of 1.00%, plus a 3.00% margin.
Interest rate, basis spread	3.00%
Minimum effective interest rate on line of credit	1.00%
Base Rate [Member]
Line of Credit Facility [Line Items]
Senior Secured Revolving Credit Facility, Description of Variable Rate Basis	The Company may pay interest at a base rate plus 2.00% margin.
Interest rate, basis spread	2.00%

Interest Rate Caps - Additional

Interest Rate Caps - Additional Information (Detail)	Apr. 01, 2015USD ($)
Derivative [Line Items]
Notional amount of interest rate cap	$ 150,000,000
Strike rate	2.50%
Interest Rate Caps [Member]
Derivative [Line Items]
Maturity period of interest rate caps exchanged	Apr. 1, 2018

Interest Rate Caps - Summary of

Interest Rate Caps - Summary of Change in Rate Caps (Detail) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2015
Offsetting [Abstract]
Balance at beginning of period	$ 405
Purchases		$ 577
Fair value adjustment included as an (increase) in interest expense	(247)	(419)
Balance at end of period, included in other assets	$ 158	$ 158

Disclosure About Fair Value o34

Disclosure About Fair Value of Financial Instruments - Additional Information (Detail)	9 Months Ended
	Sep. 30, 2015
Fair Value Disclosures [Abstract]
Turnover rate of loan portfolio	1.6

Disclosure About Fair Value o35

Disclosure About Fair Value of Financial Instruments - Carrying Amount and Estimated Fair Values of Company's Financial Instruments (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Jun. 30, 2015	Dec. 31, 2014
Assets
Interest rate caps	$ 158	$ 405
Net finance receivables	563,822		$ 505,681
Estimated Fair Value [Member] | Level 1 Inputs [Member]
Assets
Cash	4,922		4,012
Restricted cash	2,900		1,900
Estimated Fair Value [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	158
Estimated Fair Value [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	563,822		505,681
Repossessed assets	343		556
Liabilities
Senior revolving credit facility	379,617		341,419
Carrying Amount [Member] | Level 1 Inputs [Member]
Assets
Cash	4,922		4,012
Restricted cash	2,900		1,900
Carrying Amount [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	158
Carrying Amount [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	563,822		505,681
Repossessed assets	343		556
Liabilities
Senior revolving credit facility	$ 379,617		$ 341,419

Earnings Per Share - Computatio

Earnings Per Share - Computation of Basic and Diluted Earnings Per Share (Detail) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Numerator:
Net income	$ 6,507	$ 1,397	$ 15,998	$ 11,421	$ 14,802
Denominator:
Weighted average shares outstanding for basic earnings per share	12,881	12,714	12,835	12,687
Effect of dilutive securities	230	220	228	263
Weighted average shares adjusted for dilutive securities	13,111	12,934	13,063	12,950
Basic	$ 0.51	$ 0.11	$ 1.25	$ 0.90
Diluted	$ 0.50	$ 0.11	$ 1.22	$ 0.88

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares shares in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Stock Compensation Plans [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase common stock, Shares	488	379	488	379

Share-based Compensation - Addi

Share-based Compensation - Additional Information (Detail) - USD ($) $ in Thousands	Oct. 28, 2013	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Apr. 22, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant			563,000
Board compensation grant period	5 days
Exercise period of options			10 years
Stock option granted		0		0
Issuance of restricted stock awards			99,000
Expense related to issuance of restricted stock awards			$ 1,530
2015 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant			563,000
Long Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Performance target for achievement period			3 years
Minimum [Member] | Graded and Cliff Vesting [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period of options			2 years
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] | Graded and Cliff Vesting [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period of options			5 years
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]
Unrecognized stock-based compensation expense			$ 5,363
Period of recognition of stock-based compensation expense			2 years 1 month 6 days
Stock Compensation Plans [Member] | 2015 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum aggregate number of shares			350,000
Shares available for grant					922,000
Plan description			Subject to adjustments as provided in the 2015 Plan, the maximum aggregate number of shares of the Company’s common stock that may be issued under the 2015 Plan may not exceed the sum of (i) 350 shares plus (ii) any shares (A) remaining available for the grant of awards as of the effective date under the 2007 Plan or the 2011 Plan, and/or (B) subject to an award granted under the 2007 Plan or the 2011 Plan, which award is forfeited, cancelled, terminated, expires, or lapses. As of the effectiveness of the 2015 Plan, there were 922 shares available for grant under the 2015 Plan, inclusive of shares previously available for grant under the 2007 Plan and the 2011 Plan that were rolled over to the 2015 Plan.
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares, Granted		0	95,000	0
Performance Shares [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares, Granted		0	1,412,000	0

Share-based Compensation - Fair

Share-based Compensation - Fair Value of Option Grants (Detail)	9 Months Ended
	Sep. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Expected volatility	47.15%
Expected dividends	0.00%
Expected term (in years)	6 years 1 month 24 days
Risk-free rate	1.62%

Share-based Compensation - Summ

Share-based Compensation - Summary of Company's Stock Option Plan Activity (Detail) $ / shares in Units, shares in Thousands, $ in Thousands	9 Months Ended
	Sep. 30, 2015USD ($)$ / sharesshares
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Number of Shares, Options outstanding, Beginning balance	896
Number of Shares, Granted	309
Number of Shares, Exercised	(145)
Number of Shares, Forfeited	(17)
Number of Shares, Expired	0
Number of Shares, Options outstanding, Ending balance	1,043
Number of Shares, Options exercisable	585
Number of Shares, Available for grant	563
Weighted Average Price Per Share, Options outstanding, Beginning balance | $ / shares	$ 11.63
Weighted Average Price Per Share, Granted | $ / shares	15.25
Weighted Average Price Per Share, Exercised | $ / shares	6.45
Weighted Average Price Per Share, Forfeited | $ / shares	15.96
Weighted Average Price Per Share, Expired | $ / shares	0
Weighted Average Price Per Share, Options outstanding, Ending balance | $ / shares	13.35
Weighted Average Price Per Share, Options exercisable | $ / shares	$ 10.75
Weighted Average Remaining Contractual Life (Years), Options outstanding	5 years 6 months
Weighted Average Remaining Contractual Life (Years), Options exercisable	2 years 10 months 24 days
Aggregate Intrinsic Value, Options outstanding | $	$ 3,152
Aggregate Intrinsic Value, Options exercisable | $	$ 2,986

Share-based Compensation - Su41

Share-based Compensation - Summary of Additional Stock Option Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Weighted-average grant date fair value per share	$ 8.56		$ 7.13
Intrinsic value of options exercised	$ 630	$ 319	$ 1,524	$ 319
Fair value of stock options that vested	$ 42	$ 698	$ 892	$ 698

Share-based Compensation - Su42

Share-based Compensation - Summary of Restricted Stock Unit Activity (Detail) - Restricted Stock Units (RSUs) [Member] - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested shares, beginning of the year			35,000
Shares, Granted		0	95,000	0
Shares, Vested			0
Shares, Forfeited			(7,000)
Non-vested shares, end of the year	123,000		123,000
Weighted Average Grant Date Fair Value, Non-vested restricted stock, beginning of the year			$ 17.76
Weighted Average Grant Date Fair Value, Granted	$ 19.01		14.88
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	$ 15.54		$ 15.54

Share-based Compensation - Su43

Share-based Compensation - Summary of Additional Restricted Stock Unit Information (Detail) - $ / shares	3 Months Ended	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2015
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per unit	$ 19.01	$ 14.88

Share-based Compensation - Su44

Share-based Compensation - Summary of Cash Settled Performance Shares Activity (Detail) - Performance Shares [Member] - $ / shares	3 Months Ended	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested shares, beginning of the year		629,000
Shares, Granted	0	1,412,000	0
Shares, Vested		0
Shares, Forfeited		(125,000)
Non-vested shares, end of the year		1,916,000
Weighted Average Grant Date Fair Value, Non-vested restricted stock, beginning of the year		$ 1
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

Share-based Compensation - Su45

Share-based Compensation - Summary of Restricted Stock Activity (Detail) - Restricted Stock [Member] - $ / shares shares in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested shares, beginning of the year			60
Shares, Granted			120
Shares, Vested			(145)
Shares, Forfeited			(12)
Non-vested shares, end of the year	23		23
Weighted Average Grant Date Fair Value, Non-vested restricted stock, beginning of the year			$ 15.91
Weighted Average Grant Date Fair Value, Granted	$ 19.42	$ 15.13	15.36	$ 15.29
Weighted Average Grant Date Fair Value, Vested			15.17
Weighted Average Grant Date Fair Value, Forfeited			17.76
Weighted Average Grant Date Fair Value, Non-vested restricted stock, end of the period	$ 16.74		$ 16.74

Share-based Compensation - Su46

Share-based Compensation - Summary of Additional Restricted Stock Information (Detail) - Restricted Stock [Member] - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per share	$ 19.42	$ 15.13	$ 15.36	$ 15.29
Fair value of restricted stock awards that vested			$ 2,198

Commitments and Contingencies -

Commitments and Contingencies - Additional Information (Detail) $ in Thousands	Sep. 30, 2015USD ($)
Commitments and Contingencies Disclosure [Abstract]
Loss contingency accrual	$ 523