Regional Management (RM) 10-K 23 Feb 18 2017 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2017	Feb. 22, 2018	Jun. 30, 2017
Document And Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2017
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	FY
Trading Symbol	RM
Entity Registrant Name	Regional Management Corp.
Entity Central Index Key	1,519,401
Current Fiscal Year End Date	--12-31
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		11,690,291
Entity Public Float			$ 220,711,714

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Assets
Cash	$ 5,230	$ 4,446
Gross finance receivables	1,066,650	916,954
Unearned finance charges and insurance premiums	(249,187)	(199,179)
Finance receivables	817,463	717,775
Allowance for credit losses	(48,910)	(41,250)
Net finance receivables	768,553	676,525
Restricted cash	16,787	8,297
Property and equipment	12,294	11,693
Intangible assets	10,607	6,448
Deferred tax asset		33
Other assets	16,012	4,782
Total assets	829,483	712,224
Liabilities
Long-term debt	571,496	491,678
Unamortized debt issuance costs	(4,950)	(2,152)
Net long-term debt	566,546	489,526
Accounts payable and accrued expenses	18,565	15,223
Deferred tax liability	4,961
Total liabilities	590,072	504,749
Commitments and Contingencies (Notes 6, 16, and 17)
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, 13,205 shares issued and 11,659 shares outstanding at December 31, 2017 and 12,996 shares issued and 11,450 shares outstanding at December 31, 2016)	1,321	1,300
Additional paid-in-capital	94,384	92,432
Retained earnings	168,752	138,789
Treasury stock (1,546 shares at December 31, 2017 and 2016)	(25,046)	(25,046)
Total stockholders' equity	239,411	207,475
Total liabilities and stockholders' equity	829,483	712,224
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	70	36
Finance receivables	137,239	41,244
Allowance for credit losses	(7,129)	(2,337)
Restricted cash	10,734	4,426
Other assets	119	201
Total assets	141,033	43,570
Liabilities
Net long-term debt	116,658	37,898
Accounts payable and accrued expenses	53	5
Total liabilities	$ 116,711	$ 37,903

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2017	Dec. 31, 2016
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	13,205,000	12,996,000
Common stock, shares outstanding	11,659,000	11,450,000
Treasury stock, shares	1,546,000	1,546,000

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Revenue
Interest and fee income	$ 249,034	$ 220,963	$ 195,794
Insurance income, net	13,061	9,456	11,654
Other income	10,364	10,099	9,858
Total revenue	272,459	240,518	217,306
Expenses
Provision for credit losses	77,339	63,014	47,348
Personnel	75,992	68,979	69,247
Occupancy	21,530	20,059	17,313
Marketing	7,128	6,837	7,017
Other	26,305	22,757	22,021
Total general and administrative expenses	130,955	118,632	115,598
Interest expense	23,908	19,924	16,221
Income before income taxes	40,257	38,948	38,139
Income taxes	10,294	14,917	14,774
Net income	$ 29,963	$ 24,031	$ 23,365
Net income per common share:
Basic	$ 2.59	$ 2.03	$ 1.82
Diluted	$ 2.54	$ 1.99	$ 1.79
Weighted-average common shares outstanding:
Basic	11,551	11,824	12,849
Diluted	11,783	12,085	13,074

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) shares in Thousands, $ in Thousands	Total	Common Stock [Member]	Additional Paid-in-Capital [Member]	Retained Earnings [Member]	Treasury Stock [Member]
Beginning Balance at Dec. 31, 2014	$ 178,323	$ 1,275	$ 85,655	$ 91,393
Beginning Balance, shares at Dec. 31, 2014		12,748
Issuance of restricted stock awards		$ 11	(11)
Issuance of restricted stock awards, shares		108
Exercise of stock options	14	$ 14
Exercise of stock options, shares		145
Excess tax benefit (deficiency) from stock option exercises, net	378		378
Shares withheld related to net share settlement	(543)	$ (9)	(534)
Shares withheld related to net share settlement, shares		(87)
Share-based compensation	3,690		3,690
Net income	23,365			23,365
Ending Balance at Dec. 31, 2015	205,227	$ 1,291	89,178	114,758
Ending Balance, shares at Dec. 31, 2015		12,914
Issuance of restricted stock awards		$ 4	(4)
Issuance of restricted stock awards, shares		37
Exercise of stock options	20	$ 20
Exercise of stock options, shares		203
Excess tax benefit (deficiency) from stock option exercises, net	(35)		(35)
Repurchase of common stock	(25,046)				$ (25,046)
Shares withheld related to net share settlement	(508)	$ (15)	(493)
Shares withheld related to net share settlement, shares		(158)
Share-based compensation	3,786		3,786
Net income	24,031			24,031
Ending Balance at Dec. 31, 2016	207,475	$ 1,300	92,432	138,789	(25,046)
Ending Balance, shares at Dec. 31, 2016		12,996
Issuance of restricted stock awards		$ 7	(7)
Issuance of restricted stock awards, shares		74
Exercise of stock options	$ 334	$ 29	305
Exercise of stock options, shares	289	289
Shares withheld related to net share settlement	$ (2,021)	$ (15)	(2,006)
Shares withheld related to net share settlement, shares		(154)
Share-based compensation	3,660		3,660
Net income	29,963			29,963
Ending Balance at Dec. 31, 2017	$ 239,411	$ 1,321	$ 94,384	$ 168,752	$ (25,046)
Ending Balance, shares at Dec. 31, 2017		13,205

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Cash flows from operating activities:
Net income	$ 29,963	$ 24,031	$ 23,365
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	77,339	63,014	47,348
Depreciation and amortization	7,357	6,444	3,920
Loss on disposal of property and equipment	245	3	343
Accretion of discounts on purchased receivables			(27)
Share-based compensation	4,346	4,158	3,638
Fair value adjustment on interest rate caps	64	170	457
Deferred income taxes, net	4,994	1,902	(122)
Changes in operating assets and liabilities:
(Increase) decrease in other assets	(11,294)	(1,739)	1,788
Increase in other liabilities	2,419	2,255	2,681
Net cash provided by operating activities	115,433	100,238	83,391
Cash flows from investing activities:
Net originations of finance receivables	(169,366)	(148,548)	(132,632)
Purchases of intangible assets	(6,355)	(5,302)	(1,946)
(Increase) decrease in restricted cash	(8,490)	2,209	(8,605)
Purchases of property and equipment	(4,765)	(6,433)	(3,366)
Proceeds from disposal of property and equipment	558	721
Net cash used in investing activities	(188,418)	(157,353)	(146,549)
Cash flows from financing activities:
Net advances (payments) on senior revolving credit facility	(799)	114,567	(3,138)
Net proceeds from (payments on) amortizing loan	14,551	(34,067)	72,896
Net advances on revolving warehouse credit facility	66,066
Payments for debt issuance costs	(4,547)	(1,060)	(2,237)
Taxes paid related to net share settlement of equity awards	(1,809)	(487)	(721)
Proceeds from exercise of stock options	307
Repurchases of common stock		(25,046)
Net cash provided by financing activities	73,769	53,907	66,800
Net change in cash	784	(3,208)	3,642
Cash at beginning of period	4,446	7,654	4,012
Cash at end of period	5,230	4,446	7,654
Supplemental cash flow information
Interest paid	20,460	17,590	15,385
Income taxes paid	$ 15,681	$ 12,585	$ 12,449

Nature of Business

Nature of Business	12 Months Ended
	Dec. 31, 2017
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Business	Note 1. Nature of Business Regional Management Corp. (the “ Company The Company’s loan volume and contractual delinquency follow seasonal trends. Demand for the Company’s small and large loans is typically highest during the second, third, and fourth quarters, which the Company believes is largely due to customers borrowing money for vacation, back-to-school,

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2017
Accounting Policies [Abstract]
Significant Accounting Policies	Note 2. Significant Accounting Policies The following is a description of significant accounting policies used in preparing the financial statements. The accounting and reporting policies of the Company are in accordance with U.S. Generally Accepted Accounting Principles (“ GAAP Business segments: Principles of consolidation: VIE Treasury stock: Variable interest entities: RMR RMR II The Company’s asset-backed loans under these arrangements are structured to provide enhancements to the lenders in the form of overcollateralization (principal balance of the collateral exceeds the balance of the debt) and reserve funds (restricted cash accounts held by RMR and RMR II). These enhancements, along with the isolated finance receivables, increase the creditworthiness of RMR and RMR II above that of the Company as a whole. This increases the marketability of the Company’s collateral for borrowing purposes, leading to more favorable borrowing terms, improved interest rate risk management, and additional flexibility to grow the business. Both RMR and RMR II are considered VIEs under GAAP and are consolidated into the financial statements of their primary beneficiary. The Company is considered to be the primary beneficiary of RMR and RMR II because it has (i) power over the significant activities of RMR and RMR II through its role as servicer of the finance receivables under each credit agreement and (ii) the obligation to absorb losses or the right to receive returns that could be significant through the Company’s interest in the monthly residual cash flows of RMR and RMR II after each debt is paid. Consolidation of RMR and RMR II results in the transactions being accounted for as secured borrowings; therefore, the pooled receivables and the related debts remain on the consolidated balance sheet of the Company. Each debt is secured solely by the assets of RMR and RMR II, respectively, and not by any other assets of the Company. The assets of RMR and RMR II are the only source of funds for repayment on each debt. Restricted cash accounts held by RMR and RMR II can only be used to support payments on the debt. The Company recognizes revenue and provision for credit losses on the finance receivables of RMR and RMR II and interest expense on the related secured debt. Use of estimates: Material estimates that are particularly susceptible to change relate to the determination of the allowance for credit losses, the fair value of share-based compensation, the valuation of deferred tax assets and liabilities, contingent liabilities on litigation matters, and the allocation of the purchase price to assets acquired in business combinations. Reclassifications: Statement of cash flows: Finance receivables: non-essential pre-screening non-essential Credit losses: non-titled The Company initiates repossession proceedings when, in the opinion of management, the customer is unlikely to make further payments. 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 relates to probable incurred losses of unimpaired finance receivables. Prior to September 30, 2016, the general component of the allowance was primarily based on historical loss rates. Effective September 30, 2016, it is based on delinquency roll rates. The Company’s finance receivable types are stratified by delinquency stages, and the future monthly delinquency profiles and credit losses are projected forward using historical delinquency roll rates. The Company records a general allowance for credit losses that includes forecasted future credit losses over the estimated loss emergence period (the interval of time between the event which caused a borrower to default and the Company’s recording of the credit loss) for each finance receivable type. The Company adjusts the computed roll rate forecast 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 roll rate forecast. Those qualitative factors include trends in growth in the loan portfolio, delinquency, unemployment, bankruptcy, operational risks, and other economic trends. Impaired finance receivables: 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 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. Delinquency: Repossessed assets: Property and equipment: non-cancellable Restricted cash: Derivative instruments: Income recognition: pre-compute sum-of-the-years’ The Company recognizes income on credit life insurance using the sum-of-the-years’ sum-of-the-years’ sum-of-the-years’ 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 Share-based compensation: Marketing costs: Income taxes: The Company recognizes the financial statement effects of a tax position when it is more likely than not that, based on technical merits, the position will be sustained upon examination. The tax benefits of the position recognized in the consolidated financial statements are then measured based on the largest amount of benefit that is greater than 50% likely to be realized upon settlement with a taxing authority. As of December 31, 2017, the Company had not taken any tax position that exceeds the amount described above. Pursuant to the adoption of an accounting standard update issued in March 2016 and effective for fiscal year 2017, the Company now recognizes the tax benefits or deficiencies from the exercise or vesting of share-based awards in the income tax line of its consolidated statements of income. These tax benefits and deficiencies were previously recognized within additional paid-in-capital Earnings per share: Recent accounting pronouncements: FASB In February 2016, the FASB issued an accounting update to increase transparency and comparability of accounting for lease transactions. The update requires all leases to be recognized on the balance sheet as lease assets and lease liabilities and requires both quantitative and qualitative disclosures regarding key information about leasing arrangements. All of the Company’s leases are currently classified as operating leases, with no lease assets or lease liabilities recorded. The update is effective for annual and interim periods beginning after December 15, 2018, and early adoption is permitted. The Company is currently evaluating the potential impact of this update on its consolidated financial statements. In March 2016, the FASB issued an accounting update to simplify the accounting for share-based compensation, including the accounting for forfeitures, the statutory tax withholding requirements, the accounting for income taxes, and the classification of share-based compensation transactions in the statement of cash flows. The key provision of the update is the requirement for the tax benefits or tax deficiencies from the exercise or vesting of share-based awards to flow through the statement of income, rather than through additional paid-in-capital In June 2016, the FASB issued an accounting update to change the impairment model for estimating credit losses on financial assets. The current incurred loss impairment model requires the recognition of credit losses when it is probable that a loss has been incurred. The incurred loss model will be replaced by an expected loss model, which requires entities to estimate the lifetime expected credit loss on such instruments and to record an allowance to offset the amortized cost basis of the financial asset. This update is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted. The Company believes the implementation of the accounting update will have a material adverse effect on the Company’s consolidated financial statements, and is in the process of quantifying the potential impacts. In August 2016, the FASB issued an accounting update to provide specific guidance on certain cash flow classification issues to reduce diversity in practice. These issues include debt prepayment or extinguishment costs, contingent consideration payments after business combinations, beneficial interest in securitization transactions, and proceeds from insurance claims. This update is effective for annual and interim periods beginning after December 15, 2017, and early adoption is permitted. The Company will adopt the new standard effective January 1, 2018, and believes implementation of the accounting update will not have a material effect on the Company’s consolidated financial statements. In November 2016, the FASB issued an accounting update to address diversity in the classification of restricted cash transfers on the statement of cash flows. The amendment requires that the statements of cash flows explain the change during the period in the total of cash, cash equivalents, restricted cash, and restricted cash equivalents. This update is effective for annual and interim periods beginning after December 15, 2017, and early adoption is permitted. The Company will adopt the new standard effective January 1, 2018. At adoption, the Company will no longer report the changes in restricted cash as an investing activity. Instead, restricted cash will be included in the beginning and ending cash balances on the consolidated statements of cash flows. Additionally, the Company will present a reconciliation from the balance sheet cash and restricted cash with the beginning and ending cash used on the consolidated statements of cash flows. In January 2017, the FASB issued an accounting update to simplify the subsequent measurement of goodwill. The amendment reduces the cost and complexity of evaluating goodwill for impairment by eliminating a step in the goodwill impairment test, which required the same procedure used to determine the fair value of assets acquired and liabilities assumed in a business combination. This update is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted. The adoption of this accounting pronouncement will not impact the Company’s consolidated financial statements.

Concentrations of Credit Risk

Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2017
Risks and Uncertainties [Abstract]
Concentrations of Credit Risk	Note 3. 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), three southwestern states (Oklahoma, New Mexico, and Texas), and one mid-Atlantic non-prime 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, Credit Qua

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses	12 Months Ended
	Dec. 31, 2017
Receivables [Abstract]
Finance Receivables, Credit Quality Information, and Allowance for Credit Losses	Note 4. Finance Receivables, Credit Quality Information, and Allowance for Credit Losses Finance receivables for the periods indicated consisted of the following: December 31, In thousands 2017 2016 Small loans $ 375,772 $ 358,471 Large loans 347,218 235,349 Automobile loans 61,423 90,432 Retail loans 33,050 33,523 Finance receivables $ 817,463 $ 717,775 The contractual delinquency of the finance receivable portfolio by product and aging for the periods indicated are as follows: December 31, 2017 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 301,114 80.1 % $ 299,467 86.3 % $ 43,140 70.2 % $ 25,730 77.8 % $ 669,451 81.9 % 1 to 29 days past due 39,412 10.5 % 29,211 8.4 % 13,387 21.8 % 4,523 13.7 % 86,533 10.6 % Delinquent accounts 30 to 59 days 9,738 2.6 % 5,949 1.6 % 2,162 3.6 % 879 2.7 % 18,728 2.2 % 60 to 89 days 8,755 2.3 % 4,757 1.4 % 1,046 1.7 % 739 2.2 % 15,297 1.9 % 90 to 119 days 6,881 1.9 % 3,286 1.0 % 701 1.1 % 471 1.5 % 11,339 1.4 % 120 to 149 days 5,284 1.4 % 2,537 0.7 % 636 1.0 % 408 1.2 % 8,865 1.1 % 150 to 179 days 4,588 1.2 % 2,011 0.6 % 351 0.6 % 300 0.9 % 7,250 0.9 % Total delinquency $ 35,246 9.4 % $ 18,540 5.3 % $ 4,896 8.0 % $ 2,797 8.5 % $ 61,479 7.5 % Total finance receivables $ 375,772 100.0 % $ 347,218 100.0 % $ 61,423 100.0 % $ 33,050 100.0 % $ 817,463 100.0 % Finance receivables in nonaccrual status $ 16,753 4.5 % $ 7,834 2.3 % $ 1,688 2.7 % $ 1,179 3.6 % $ 27,454 3.4 % December 31, 2016 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 288,983 80.6 % $ 204,063 86.8 % $ 66,936 74.0 % $ 27,220 81.2 % $ 587,202 81.9 % 1 to 29 days past due 36,533 10.2 % 19,172 8.1 % 17,196 19.0 % 4,205 12.5 % 77,106 10.7 % Delinquent accounts 30 to 59 days 9,408 2.6 % 3,948 1.7 % 2,654 3.0 % 717 2.2 % 16,727 2.3 % 60 to 89 days 7,110 2.0 % 2,920 1.2 % 1,171 1.3 % 440 1.3 % 11,641 1.6 % 90 to 119 days 6,264 1.8 % 2,271 1.0 % 1,110 1.2 % 376 1.1 % 10,021 1.4 % 120 to 149 days 5,424 1.5 % 1,710 0.7 % 743 0.8 % 328 1.0 % 8,205 1.1 % 150 to 179 days 4,749 1.3 % 1,265 0.5 % 622 0.7 % 237 0.7 % 6,873 1.0 % Total delinquency $ 32,955 9.2 % $ 12,114 5.1 % $ 6,300 7.0 % $ 2,098 6.3 % $ 53,467 7.4 % Total finance receivables $ 358,471 100.0 % $ 235,349 100.0 % $ 90,432 100.0 % $ 33,523 100.0 % $ 717,775 100.0 % Finance receivables in nonaccrual status $ 16,437 4.6 % $ 5,246 2.2 % $ 2,475 2.7 % $ 941 2.8 % $ 25,099 3.5 % The allowance for credit losses consists of general and specific components. Prior to September 30, 2016, the general component reflected estimated credit losses for groups of finance receivables on a collective basis and was primarily based on historical loss rates (adjusted for qualitative factors). Effective September 30, 2016, the general component is primarily based on delinquency roll rates. Delinquency roll rate modeling is forward-looking and common practice in the consumer finance industry. As a result of this change, the Company decreased the provision for credit losses for the year ended December 31, 2016 by $0.5 million, which increased net income by $0.3 million, or $0.03 diluted earnings per share. Changes in the allowance for credit losses for the periods indicated are as follows: Year Ended December 31, In thousands 2017 2016 2015 Balance at beginning of period $ 41,250 $ 37,452 $ 40,511 Provision for credit losses 77,339 63,014 47,348 Credit losses (75,880 ) (64,064 ) (55,043 ) Recoveries 6,201 4,848 4,636 Balance at end of period $ 48,910 $ 41,250 $ 37,452 In September 2017, the Company recorded a $3.0 million increase to the allowance for credit losses related to estimated incremental credit losses on customer accounts impacted by the hurricanes. The incremental hurricane allowance resulted in a decrease to net income of $1.9 million, or $0.16 diluted earnings per share, for the three months ended September 30, 2017. On an annual basis, the Company updates the estimated loss emergence period for each finance receivable type. During 2015, the loss emergence period of large loan finance receivables increased from ten to twelve months as the Company originated longer term loans. As a result, the Company increased the allowance for credit losses by $0.5 million, which decreased net income for the year ended December 31, 2015 by $0.3 million, or $0.02 diluted earnings per share. The increase in the allowance for credit losses due to the change in the loss emergence period was offset by a decrease in the Company’s normal allowance for credit losses on qualitative factors surrounding finance receivables growth and credit quality. The overall large loan allowance for credit losses as a percentage of loans declined from 4.3% to 3.8% as of December 31, 2014 and 2015, respectively. During 2017, the loss emergence period for each finance receivable type changed as follows: small loan finance receivables increased from six to seven months; large loan finance receivables decreased from twelve to ten months; and retail loan finance receivables increased from ten to eleven months. These net changes in the loss emergence periods increased the Company’s total allowance for credit losses by $0.1 million, which decreased net income for the year ended December 31, 2017 by $0.1 million, or $0.01 diluted earnings per share. In December 2015, the Company began selling previously charged-off charged-off charged-off charged-off charged-off The following is a reconciliation of the allowance for credit losses by product for the periods indicated: In thousands Balance Provision Credit Losses Recoveries Balance Finance Allowance as Small loans $ 21,770 $ 45,104 $ (45,612 ) $ 3,487 $ 24,749 $ 375,772 6.6 % Large loans 11,460 25,024 (20,088 ) 1,152 17,548 347,218 5.1 % Automobile loans 5,910 4,210 (7,424 ) 1,329 4,025 61,423 6.6 % Retail loans 2,110 3,001 (2,756 ) 233 2,588 33,050 7.8 % Total $ 41,250 $ 77,339 $ (75,880 ) $ 6,201 $ 48,910 $ 817,463 6.0 % In thousands Balance Provision Credit Losses Recoveries Balance Finance Allowance as Small loans $ 21,535 $ 41,119 $ (43,797 ) $ 2,913 $ 21,770 $ 358,471 6.1 % Large loans 5,593 14,261 (8,946 ) 552 11,460 235,349 4.9 % Automobile loans 8,828 4,785 (8,886 ) 1,183 5,910 90,432 6.5 % Retail loans 1,496 2,849 (2,435 ) 200 2,110 33,523 6.3 % Total $ 37,452 $ 63,014 $ (64,064 ) $ 4,848 $ 41,250 $ 717,775 5.7 % In thousands Balance Provision Credit Losses Recoveries Balance Finance Allowance as Small loans $ 25,280 $ 33,428 $ (40,059 ) $ 2,886 $ 21,535 $ 338,157 6.4 % Large loans 1,980 6,032 (2,762 ) 343 5,593 146,553 3.8 % Automobile loans 11,776 6,285 (10,466 ) 1,233 8,828 116,109 7.6 % Retail loans 1,475 1,603 (1,756 ) 174 1,496 27,625 5.4 % Total $ 40,511 $ 47,348 $ (55,043 ) $ 4,636 $ 37,452 $ 628,444 6.0 % Impaired finance receivables as a percentage of total finance receivables were 2.1% and 1.6% for the years ended December 31, 2017 and 2016, respectively. The following is a summary of finance receivables evaluated for impairment for the periods indicated: December 31, 2017 In thousands Small Large Automobile Retail Total Impaired receivables specifically evaluated $ 5,094 $ 10,303 $ 1,724 $ 109 $ 17,230 Finance receivables evaluated collectively 370,678 336,915 59,699 32,941 800,233 Finance receivables outstanding $ 375,772 $ 347,218 $ 61,423 $ 33,050 $ 817,463 Impaired receivables in nonaccrual status $ 707 $ 931 $ 129 $ 31 $ 1,798 Amount of the specific reserve for impaired accounts $ 1,190 $ 2,183 $ 373 $ 20 $ 3,766 Amount of the general component of the allowance $ 23,559 $ 15,365 $ 3,652 $ 2,568 $ 45,144 December 31, 2016 In thousands Small Large Automobile Retail Total Impaired receivables specifically evaluated $ 2,409 $ 6,441 $ 2,460 $ 101 $ 11,411 Finance receivables evaluated collectively 356,062 228,908 87,972 33,422 706,364 Finance receivables outstanding $ 358,471 $ 235,349 $ 90,432 $ 33,523 $ 717,775 Impaired receivables in nonaccrual status $ 288 $ 610 $ 175 $ 7 $ 1,080 Amount of the specific reserve for impaired accounts $ 563 $ 1,216 $ 576 $ 19 $ 2,374 Amount of the general component of the allowance $ 21,207 $ 10,244 $ 5,334 $ 2,091 $ 38,876 Average recorded investment in impaired finance receivables for the periods indicated are as follows: December 31, In thousands 2017 2016 Small loans $ 3,946 $ 1,686 Large loans 8,205 4,478 Automobile loans 2,062 2,801 Retail loans 107 114 Total average recorded investment $ 14,320 $ 9,079 It is not practical to compute the amount of interest earned on impaired loans.

Property and Equipment

Property and Equipment	12 Months Ended
	Dec. 31, 2017
Property, Plant and Equipment [Abstract]
Property and Equipment	Note 5. Property and Equipment For the periods indicated, property and equipment consisted of the following: December 31, In thousands 2017 2016 Land and building $ — $ 919 Furniture, fixtures, and equipment 20,471 19,925 Leasehold improvements 8,671 7,476 Property and equipment cost 29,142 28,320 Less accumulated depreciation 16,848 16,627 Property and equipment, net of accumulated depreciation $ 12,294 $ 11,693 Depreciation expense for the years ended December 31, 2017, 2016, and 2015 totaled $3.4 million, $3.1 million, and $2.6 million, respectively.

Leases

Leases	12 Months Ended
	Dec. 31, 2017
Leases [Abstract]
Leases	Note 6. Leases Future minimum rent commitments under non-cancellable In thousands Amount 2018 $ 6,390 2019 4,863 2020 4,416 2021 3,274 2022 2,307 Thereafter 6,779 Total $ 28,029 Leases generally contain options to extend for periods from three to five years and the cost of such extensions is not included above. Rent expense for the years ended December 31, 2017, 2016, and 2015 equaled $7.7 million, $7.0 million, and $6.0 million, respectively. In addition to rent, the Company typically pays for all operating expenses, property taxes, and repairs and maintenance on properties that it leases.

Intangible Assets

Intangible Assets	12 Months Ended
	Dec. 31, 2017
Goodwill and Intangible Assets Disclosure [Abstract]
Intangible Assets	Note 7. Intangible Assets The following table provides the gross carrying amount and related accumulated amortization of intangible assets: December 31, 2017 December 31, 2016 In thousands Gross Carrying Accumulated Net Amount Gross Carrying Accumulated Net Amount Software $ 13,396 $ (3,550 ) $ 9,846 $ 8,743 $ (3,220 ) $ 5,523 Customer list 2,485 (2,440 ) 45 2,485 (2,276 ) 209 Goodwill 950 (234 ) 716 950 (234 ) 716 Total intangible assets $ 16,831 $ (6,224 ) $ 10,607 $ 12,178 $ (5,730 ) $ 6,448 Intangible amortization expense for the years ended December 31, 2017, 2016, and 2015 totaled $2.2 million, $1.9 million, and $0.8 million, respectively. The following table sets forth the future amortization of intangible assets: In thousands Amount 2018 $ 1,912 2019 1,671 2020 1,531 2021 1,461 2022 1,453 Thereafter 1,863 Total $ 9,891 The Company performs an annual impairment test on goodwill during the fourth quarter of each fiscal year. There were no goodwill additions or impairment losses for the years ended December 31, 2017 and 2016, respectively.

Other Assets

Other Assets	12 Months Ended
	Dec. 31, 2017
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Other Assets	Note 8. Other Assets Other assets include the following as of the periods indicated: December 31, In thousands 2017 2016 Income tax receivable $ 9,474 $ — Prepaid expenses 2,806 2,561 Card payments receivable 2,005 725 Credit insurance receivable 1,024 436 Repossessed assets 431 502 Other 272 558 Total $ 16,012 $ 4,782 The increase in income tax receivable primarily resulted from a December 2017 change in tax method from the accrual method to a more commonly used specific identification method for the allowance for credit losses.

Interest Rate Caps

Interest Rate Caps	12 Months Ended
	Dec. 31, 2017
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Interest Rate Caps	Note 9. Interest Rate Caps The Company has purchased interest rate cap contracts with an aggregate notional principal amount of $250.0 million and 2.50% strike rates against the one-month one-month one-month December 31, In thousands 2017 2016 Balance at beginning of period $ 62 $ 120 Purchases 100 112 Fair value adjustment included as an increase in interest expense (64 ) (170 ) Balance at end of period, included in other assets $ 98 $ 62

Long-Term Debt

Long-Term Debt	12 Months Ended
	Dec. 31, 2017
Debt Disclosure [Abstract]
Long-Term Debt	Note 10. Long-Term Debt The following is a summary of the Company’s long-term debt as of the periods indicated: December 31, 2017 December 31, 2016 In thousands Long-Term Unamortized Net Long-Term Long-Term Unamortized Net Long-Term Senior revolving credit facility $ 452,050 $ (2,162 ) $ 449,888 $ 452,849 $ (1,221 ) $ 451,628 Amortizing loan 53,380 (547 ) 52,833 38,829 (931 ) 37,898 Revolving warehouse credit facility 66,066 (2,241 ) 63,825 — — — Total $ 571,496 $ (4,950 ) $ 566,546 $ 491,678 $ (2,152 ) $ 489,526 Unused amount of revolving credit facilities (subject to borrowing base) $ 244,884 $ 132,151 In June 2017, the Company amended and restated its senior revolving credit facility to, among other things, increase the availability under the facility from $585 million to $638 million and extend the maturity of the facility from August 2019 to June 2020. The facility has an accordion provision that allows for the expansion of the facility to $700 million. Excluding the receivables held by the Company’s VIEs, the senior revolving credit facility is secured by substantially all of the Company’s finance receivables and equity interests of the majority of its subsidiaries. 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, increasing to 3.25% when the availability percentage is below 10%. The LIBOR rate for this facility was 1.63% and 0.88% at December 31, 2017 and 2016, respectively. Alternatively, the Company may pay interest at the prime rate, plus a 2.00% margin, increasing to 2.25% when the availability percentage is below 10%. The prime rate was 4.50% and 3.75% at December 31, 2017 and 2016, respectively. The Company pays an unused line fee of 0.50% per annum, payable monthly, decreasing to 0.375% when the average outstanding balance exceeds $413.0 million. Advances on the senior revolving credit 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% of eligible secured finance receivables and 68% of eligible unsecured finance receivables as of December 31, 2017). As of December 31, 2017, the Company had $46.8 million of eligible borrowing capacity under the facility. In June 2017, the Company and its wholly-owned subsidiary, RMR II, entered into a credit agreement providing for a $125 million revolving warehouse credit facility to RMR II (expandable to $150 million). RMR II purchases large loan finance receivables, net of the related allowance for credit losses, from the Company’s affiliates using the proceeds of the facility and equity investments from the Company. The facility is secured by the finance receivables owned by RMR II. RMR II held $0.8 million in a restricted cash reserve account as of December 31, 2017 to satisfy provisions of the credit agreement. Through October 1, 2017, borrowings under the facility bore interest, payable monthly, at a blended rate equal to three-month LIBOR, plus a margin of 3.50%. Effective October 2, 2017 and February 5, 2018, the margin decreased to 3.25% and 3.00%, respectively, following the satisfaction of milestones associated with the Company’s conversion to a new loan origination and servicing system. The three-month LIBOR was 1.69% at December 31, 2017. RMR II pays an unused commitment fee of between 0.35% and 0.85% per annum, payable monthly, based upon the average daily utilization of the facility. Advances on the facility are capped at 80% of eligible finance receivables. In November 2017, the Company and its wholly-owned subsidiary, RMR, amended and restated the December 2015 credit agreement that provided for a $75.7 million asset-backed, amortizing loan to RMR. The amended and restated credit agreement, among other things, provides for an additional loan advance in the amount of $37.8 million and extends the maturity date to December 2024. The loan is secured by the finance receivables owned by RMR. RMR held $1.3 million in a restricted cash reserve account as of December 31, 2017 to satisfy provisions of the credit agreement. RMR paid interest of 3.00% per annum on the loan balance. In February 2018, the Company agreed to lower the advance rate on the loan from 88% to 85% and to increase the interest rate from 3.00% to 3.25%. The amended and restated credit agreement allows RMR to prepay the loan when the outstanding balance falls below 20% of the original loan amount. These debt agreements contain certain restrictive covenants requiring monthly and annual reporting to the banks and include maintenance of specified interest coverage and debt ratios, restrictions on distributions, limitations on other indebtedness, maintenance of a minimum allowance for credit losses, and certain other restrictions. At December 31, 2017, the Company was in compliance with all debt covenants. Both the amortizing loan and warehouse credit facility are supported by the expected cash flows from the underlying collateralized finance receivables. Collections on these accounts are remitted to restricted cash collection accounts, which totaled $8.6 million and $2.7 million as of December 31, 2017 and 2016, respectively. Cash inflows from the finance receivables are distributed to the lenders and service providers in accordance with a monthly contractual priority of payments and, as such, the inflows are directed first to servicing fees. RMR and RMR II pay a 4% servicing fee to the Company, which is eliminated in consolidation. Next, all cash inflows are directed to the interest, principal, and any adjustments to the reserve accounts and, thereafter, to the residual interest that the Company owns. Distributions from RMR and RMR II to the Company are permitted under the credit agreements. Both RMR and RMR II are considered VIEs under GAAP and are consolidated into the financial statements of their primary beneficiary. The Company is considered to be the primary beneficiary of RMR and RMR II because it has (i) power over the significant activities of RMR and RMR II through its role as servicer of the finance receivables under each credit agreement and (ii) the obligation to absorb losses or the right to receive returns that could be significant through the Company’s interest in the monthly residual cash flows of RMR and RMR II after each debt is paid. The carrying amounts of consolidated VIE assets and liabilities are as follows: December 31, In thousands 2017 2016 Assets Cash $ 70 $ 36 Finance receivables 137,239 41,244 Allowance for credit losses (7,129 ) (2,337 ) Restricted cash 10,734 4,426 Other assets 119 201 Total assets $ 141,033 $ 43,570 Liabilities Net long-term debt $ 116,658 $ 37,898 Accounts payable and accrued expenses 53 5 Total liabilities $ 116,711 $ 37,903 The following is a summary of principal payments required on outstanding debt during each of the next five years: In thousands Amount 2018 $ 27,884 2019 81,354 2020 458,892 2021 2,527 2022 839 Total $ 571,496

Disclosure About Fair Value of

Disclosure About Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2017
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: Cash and restricted cash: Finance receivables: Interest rate caps: Repossessed assets: Long-term debt: The carrying amount and estimated fair values of the Company’s financial instruments summarized by level are as follows: December 31, 2017 December 31, 2016 In thousands Carrying Estimated Carrying Estimated Assets Level 1 inputs Cash $ 5,230 $ 5,230 $ 4,446 $ 4,446 Restricted cash 16,787 16,787 8,297 8,297 Level 2 inputs Interest rate caps 98 98 62 62 Level 3 inputs Net finance receivables 768,553 768,553 676,525 676,525 Repossessed assets 431 431 502 502 Liabilities Level 3 inputs Long-term debt 571,496 571,496 491,678 491,678 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. The table below presents the balances of assets measured at fair value on a recurring basis by level within the hierarchy as of December 31, 2017 and 2016: Interest Rate Caps In thousands Total Level 1 Level 2 Level 3 2017 $ 98 $ — $ 98 $ — 2016 $ 62 $ — $ 62 $ — 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, 2017 and 2016 for which a nonrecurring change in fair value has been recorded during the years ended December 31, 2017 and 2016: Repossessed Assets In thousands Total Level 1 Level 2 Level 3 Total Losses 2017 $ 431 $ — $ — $ 431 $ 437 2016 $ 502 $ — $ — $ 502 $ 452

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2017
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 required by individual states in which it operates. The Company is generally no longer subject to federal, state, or local income tax examinations by taxing authorities before 2014, though the Company remains subject to examination for the federal, South Carolina, and Tennessee tax returns for the 2013 tax year. In addition, the Texas tax returns remain open for examination back to 2011. Income tax expense differed from the amount computed by applying the federal income tax rate of 35% to total income before income taxes as a result of the following: Year Ended December 31, In thousands 2017 2016 2015 Federal tax expense at statutory rate $ 14,090 $ 13,632 $ 13,349 Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 1,253 1,275 1,098 Non-deductible — — 378 Tax rate change (3,122 ) — — Excess tax benefits from share-based awards (1,603 ) — — Research and development tax credits (400 ) — — Other 76 10 (51 ) $ 10,294 $ 14,917 $ 14,774 Pursuant to the adoption of an accounting standard update issued in March 2016 and effective for fiscal year 2017, the Company now recognizes the tax benefits or deficiencies from the exercise or vesting of share-based awards in the income tax line of the consolidated statements of income. These tax benefits and deficiencies were previously recognized within additional paid-in-capital In December 2017, the Tax Cuts and Jobs Act (the “Tax Act” Income tax expense attributable to total income before income taxes consists of the following for the periods indicated: Year Ended December 31, In thousands 2017 2016 2015 Current: Federal $ 4,479 $ 11,431 $ 13,037 State and local 821 1,584 1,859 5,300 13,015 14,896 Deferred: Federal 4,464 1,694 (104 ) State and local 530 208 (18 ) 4,994 1,902 (122 ) Total $ 10,294 $ 14,917 $ 14,774 Net deferred tax assets and liabilities consist of the following as of the periods indicated: December 31, In thousands 2017 2016 Deferred tax assets: Allowance for credit losses $ 6,491 $ 15,823 Unearned insurance premiums 2,971 2,612 Share-based compensation 2,314 2,888 Amortization of intangible assets 424 675 Accrued expenses 391 565 State net operating loss carryforward 300 32 Deferred contract incentive 163 307 Other 206 50 Gross deferred tax assets 13,260 22,952 Deferred tax liabilities: Fair market value adjustment of finance receivables 12,410 17,448 Tax over book depreciation 3,463 2,266 Deferred loan costs 1,633 2,283 Prepaid expenses 395 724 Other 320 198 Gross deferred tax liabilities 18,221 22,919 Net deferred tax asset (liability) $ (4,961 ) $ 33 The December 31, 2017 deferred tax asset for the allowance for credit losses includes a $5.0 million credit balance related to a tax method change from the accrual to the specific identification method. The Company had state net operating loss carryforwards of approximately $9.7 million and $1.2 million and the related deferred tax assets of $0.3 million and $32 thousand as of December 31, 2017 and 2016, respectively. These carryforwards are available to offset future taxable income. If not used, the current carryforwards will expire beginning in 2030. Income tax expense was $10.3 million, $14.9 million, and $14.8 million for the years ended December 31, 2017, 2016, and 2015, respectively. Included in these amounts are tax benefits from share-based awards of $1.6 million, $0, and $0 for the years ended December 31, 2017, 2016, and 2015, respectively. At December 31, 2017, the Company did not have any material uncertain tax positions.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2017
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 periods indicated: Year Ended December 31, In thousands, except per share amounts 2017 2016 2015 Numerator: Net income $ 29,963 $ 24,031 $ 23,365 Denominator: Weighted average shares outstanding for basic earnings per share 11,551 11,824 12,849 Effect of dilutive securities 232 261 225 Weighted average shares adjusted for dilutive securities 11,783 12,085 13,074 Earnings per share: Basic $ 2.59 $ 2.03 $ 1.82 Diluted $ 2.54 $ 1.99 $ 1.79 Options to purchase 126 thousand, 140 thousand, and 489 thousand shares of common stock were outstanding during the years ended December 31, 2017, 2016, and 2015, respectively, but were not included in the computation of diluted earnings per share because they were anti-dilutive.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2017
Postemployment Benefits [Abstract]
Employee Benefit Plans	Note 14. Employee Benefit Plans Retirement savings plan:

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2017
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Share-Based Compensation	Note 15. Share-Based Compensation The Company previously adopted the 2007 Management Incentive Plan (the “ 2007 Plan 2011 Plan Long-Term 2015 Plan re-approved For the years ended December 31, 2017, 2016, and 2015, the Company recorded share-based compensation expense of $4.3 million, $4.2 million, and $3.6 million, respectively. As of December 31, 2017, unrecognized share-based compensation expense to be recognized over future periods approximated $5.0 million. This amount will be recognized as expense over a weighted-average period of 1.7 years. Share-based compensation expenses are recognized on a straight-line basis over the requisite service period of the agreement. All share-based compensation is classified as equity awards except for cash-settled performance units, which are classified as liabilities. The Company allows for the settlement of share-based awards on a net share basis. With net share settlement, the employee does not surrender any cash or shares upon the exercise of stock options or the vesting of stock awards or stock units. Rather, the Company withholds the number of shares with a value equivalent to the option exercise price (for stock options) and the statutory tax withholding (for all share-based awards). Net share settlements have the effect of reducing the number of shares that would have otherwise been issued as a result of exercise or vesting. Long-term incentive program: RSUs CSPUs Board In 2016, the Company introduced a key team member incentive program for certain other members of senior management. Recurring annual participation in the program is at the discretion of the Board and executive management. Each participant in the program is eligible to earn a restricted stock award, subject to performance over a one-year one-year two-year Inducement and retention program: Non-employee non-employee The following are the terms and amounts of the awards issued under the Company’s share-based incentive programs: Nonqualified stock options: 18-month 5-year The fair value of option grants is estimated on the grant date using the Black-Scholes option-pricing model with the following weighted-average assumptions for option grants during the periods indicated below: Year Ended December 31, 2017 2016 2015 Expected volatility 43.95 % 46.04 % 47.15 % Expected dividends 0.00 % 0.00 % 0.00 % Expected term (in years) 5.96 5.80 6.15 Risk-free rate 2.09 % 1.32 % 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 to estimate the expected term. The risk-free rate is based on the zero coupon U.S. Treasury bond rate over the expected term of the awards. The following table summarizes the stock option activity for the year ended December 31, 2017: In thousands, except per share amounts Number of Shares Weighted-Average Exercise Price Per Share Weighted-Average Remaining Contractual Life (Years) Aggregate Intrinsic Value Options outstanding at January 1, 2017 1,166 $ 14.66 Granted 116 19.99 Exercised (289 ) 7.35 Forfeited (35 ) 18.30 Expired — — Options outstanding at December 31, 2017 958 $ 17.39 7.1 $ 8,747 Options exercisable at December 31, 2017 771 $ 16.99 6.8 $ 7,351 Available for grant at December 31, 2017 1,275 The following table provides additional stock option information for the periods indicated: Year Ended December 31, In thousands, except per share amounts 2017 2016 2015 Weighted-average grant date fair value per share $ 8.90 $ 7.74 $ 7.13 Intrinsic value of options exercised $ 4,981 $ 1,397 $ 1,524 Fair value of stock options that vested $ 3,004 $ 2,131 $ 1,207 Performance-contingent restricted stock units: The following table summarizes RSU activity during the year ended December 31, 2017: In thousands, except per unit amounts Units Weighted-Average Grant Date Fair Value Per Unit Non-vested 164 $ 16.07 Granted 85 19.99 Vested — — Forfeited (48 ) 17.69 Non-vested 201 $ 17.33 The following table provides additional RSU information for the periods indicated: Year Ended December 31, 2017 2016 2015 Weighted-average grant date fair value per unit $ 19.99 $ 17.02 $ 14.89 Cash-settled performance units: The following table summarizes CSPU activity during the year ended December 31, 2017: In thousands, except per unit amounts Units Weighted-Average Grant Date Fair Value Per Unit Non-vested 2,641 $ 1.00 Granted 1,686 1.00 Vested — — Forfeited (843 ) 1.00 Non-vested 3,484 $ 1.00 Restricted stock awards: The following table summarizes restricted stock activity during the year ended December 31, 2017: In thousands, except per share amounts Shares Weighted-Average Grant Date Fair Value Per Share Non-vested 39 $ 16.46 Granted 83 18.38 Vested (60 ) 16.30 Forfeited (9 ) 18.25 Non-vested 53 $ 19.36 The following table provides additional restricted stock information. Year Ended December 31, In thousands, except per share amounts 2017 2016 2015 Weighted-average grant date fair value per share $ 18.38 $ 16.37 $ 15.36 Fair value of restricted stock awards that vested $ 983 $ 347 $ 2,198

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2017
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 16. 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 (the “ District Court Defendants 1933 Act Claims Plaintiffs 1934 Act Claims On January 26, 2015, the Defendants filed a motion 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 filed a motion to dismiss the second amended complaint on April 28, 2015, and on March 30, 2016, the District Court granted the Defendants’ motion to dismiss the second amended complaint in its entirety. On May 23, 2016, the Plaintiffs moved for leave to file a third amended complaint. On January 27, 2017, the District Court denied the Plaintiffs’ motion for leave to file a third amended complaint and directed entry of final judgment in favor of the Defendants. On January 30, 2017, the District Court entered final judgment in favor of the Defendants. On March 1, 2017, the Plaintiffs filed a notice of appeal to the United States Court of Appeals for the Second Circuit (the “ Appellate Court The Company believes that the claims against it are without merit and will continue 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 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. 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.

Insurance Products and Reinsura

Insurance Products and Reinsurance of Certain Risks	12 Months Ended
	Dec. 31, 2017
Insurance [Abstract]
Insurance Products and Reinsurance of Certain Risks	Note 17. Insurance Products and Reinsurance of Certain Risks RMC Reinsurance, Ltd. is a wholly-owned insurance subsidiary of the Company. The Company sells optional insurance products to its customers in connection with its lending operations. These optional products include credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance. The Company also collects a fee for collateral protection and purchases non-filing non-life The Company maintains a cash reserve for life insurance claims in an amount determined by the ceding company. As of December 31, 2017 and 2016, the cash reserves were $6.1 million and $3.9 million, respectively. The Company also purchased a cash collateralized letter of credit in favor of the ceding company. The letter of credit was $0.5 million and $2.0 million as of December 31, 2017 and 2016, respectively. Reinsurance income 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, 2017, 2016, and 2015: In thousands Net Written Premiums Earned Premiums 2017 $ 40,491 $ 25,881 2016 31,576 22,498 2015 30,812 20,257 Prior to May 2016, the Company had a collateral protection insurance (“ CPI The Company offered a self-insured Guaranteed Asset Protection (“ GAP As a result of the Company’s 2016 insurance administration transition to a new unaffiliated third-party provider, certain of the Company’s insurance claims expenses were temporarily shifted into provision for credit losses during 2017, impacting net credit losses instead of insurance income, net. Net income was not impacted as a result of this transition.

Quarterly Information (unaudite

Quarterly Information (unaudited)	12 Months Ended
	Dec. 31, 2017
Quarterly Financial Information Disclosure [Abstract]
Quarterly Information (unaudited)	Note 18. Quarterly Information (unaudited) The following tables summarize the Company’s quarterly financial information for each of the four quarters of 2017 and 2016: 2017 In thousands, except per share amounts First Second Third Fourth Total revenue $ 65,820 $ 65,338 $ 69,194 $ 72,107 Provision for credit losses (2)(3) 19,134 18,589 20,152 19,464 General and administrative expenses 31,454 31,642 33,840 34,019 Interest expense 5,213 5,221 6,658 6,816 Income tax (1)(4) 2,385 3,751 3,235 923 Net income $ 7,634 $ 6,135 $ 5,309 $ 10,885 Net income per common share: Basic $ 0.66 $ 0.53 $ 0.46 $ 0.94 Diluted $ 0.65 $ 0.52 $ 0.45 $ 0.92 2016 In thousands, except per share amounts First Second Third Fourth Total revenue $ 56,697 $ 57,325 $ 62,475 $ 64,021 Provision for credit losses 13,791 13,386 16,410 19,427 General and administrative expenses 29,805 29,548 30,453 28,826 Interest expense 4,710 4,811 5,116 5,287 Income tax 3,215 3,668 4,020 4,014 Net income $ 5,176 $ 5,912 $ 6,476 $ 6,467 Net income per common share: Basic $ 0.41 $ 0.50 $ 0.57 $ 0.57 Diluted $ 0.40 $ 0.49 $ 0.56 $ 0.55 (1) First quarter 2017 includes a $1.5 million tax benefit related to the exercise of stock options (ASU 2016-09). (2) Third quarter 2017 includes a $3.0 million incremental hurricane allowance for credit losses. (3) Third quarter 2017 includes a $1.0 million recovery from the bulk sale of previously charged-off (4) Fourth quarter 2017 includes a $3.1 million tax benefit related to implementation of the Tax Act.

Significant Accounting Polici25

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2017
Accounting Policies [Abstract]
Business segments	Business segments:
Principles of consolidation	Principles of consolidation: VIE
Treasury stock	Treasury stock:
Variable interest entities	Variable interest entities: RMR RMR II The Company’s asset-backed loans under these arrangements are structured to provide enhancements to the lenders in the form of overcollateralization (principal balance of the collateral exceeds the balance of the debt) and reserve funds (restricted cash accounts held by RMR and RMR II). These enhancements, along with the isolated finance receivables, increase the creditworthiness of RMR and RMR II above that of the Company as a whole. This increases the marketability of the Company’s collateral for borrowing purposes, leading to more favorable borrowing terms, improved interest rate risk management, and additional flexibility to grow the business. Both RMR and RMR II are considered VIEs under GAAP and are consolidated into the financial statements of their primary beneficiary. The Company is considered to be the primary beneficiary of RMR and RMR II because it has (i) power over the significant activities of RMR and RMR II through its role as servicer of the finance receivables under each credit agreement and (ii) the obligation to absorb losses or the right to receive returns that could be significant through the Company’s interest in the monthly residual cash flows of RMR and RMR II after each debt is paid. Consolidation of RMR and RMR II results in the transactions being accounted for as secured borrowings; therefore, the pooled receivables and the related debts remain on the consolidated balance sheet of the Company. Each debt is secured solely by the assets of RMR and RMR II, respectively, and not by any other assets of the Company. The assets of RMR and RMR II are the only source of funds for repayment on each debt. Restricted cash accounts held by RMR and RMR II can only be used to support payments on the debt. The Company recognizes revenue and provision for credit losses on the finance receivables of RMR and RMR II and interest expense on the related secured debt.
Use of estimates	Use of estimates: Material estimates that are particularly susceptible to change relate to the determination of the allowance for credit losses, the fair value of share-based compensation, the valuation of deferred tax assets and liabilities, contingent liabilities on litigation matters, and the allocation of the purchase price to assets acquired in business combinations.
Reclassifications	Reclassifications:
Statement of cash flows	Statement of cash flows:
Finance receivables	Finance receivables: non-essential pre-screening non-essential
Credit losses	Credit losses: non-titled The Company initiates repossession proceedings when, in the opinion of management, the customer is unlikely to make further payments. 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 relates to probable incurred losses of unimpaired finance receivables. Prior to September 30, 2016, the general component of the allowance was primarily based on historical loss rates. Effective September 30, 2016, it is based on delinquency roll rates. The Company’s finance receivable types are stratified by delinquency stages, and the future monthly delinquency profiles and credit losses are projected forward using historical delinquency roll rates. The Company records a general allowance for credit losses that includes forecasted future credit losses over the estimated loss emergence period (the interval of time between the event which caused a borrower to default and the Company’s recording of the credit loss) for each finance receivable type. The Company adjusts the computed roll rate forecast 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 roll rate forecast. Those qualitative factors include trends in growth in the loan portfolio, delinquency, unemployment, bankruptcy, operational risks, and other economic trends.
Impaired finance receivables	Impaired finance receivables: 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 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.
Delinquency	Delinquency:
Repossessed assets	Repossessed assets:
Property and equipment	Property and equipment: non-cancellable
Restricted cash	Restricted cash:
Derivative instruments	Derivative instruments:
Income recognition	Income recognition: pre-compute sum-of-the-years’ The Company recognizes income on credit life insurance using the sum-of-the-years’ sum-of-the-years’ sum-of-the-years’ 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
Share-based compensation	Share-based compensation:
Marketing costs	Marketing costs:
Income taxes	Income taxes: The Company recognizes the financial statement effects of a tax position when it is more likely than not that, based on technical merits, the position will be sustained upon examination. The tax benefits of the position recognized in the consolidated financial statements are then measured based on the largest amount of benefit that is greater than 50% likely to be realized upon settlement with a taxing authority. As of December 31, 2017, the Company had not taken any tax position that exceeds the amount described above. Pursuant to the adoption of an accounting standard update issued in March 2016 and effective for fiscal year 2017, the Company now recognizes the tax benefits or deficiencies from the exercise or vesting of share-based awards in the income tax line of its consolidated statements of income. These tax benefits and deficiencies were previously recognized within additional paid-in-capital
Earnings per share	Earnings per share:
Recent accounting pronouncements	Recent accounting pronouncements: FASB In February 2016, the FASB issued an accounting update to increase transparency and comparability of accounting for lease transactions. The update requires all leases to be recognized on the balance sheet as lease assets and lease liabilities and requires both quantitative and qualitative disclosures regarding key information about leasing arrangements. All of the Company’s leases are currently classified as operating leases, with no lease assets or lease liabilities recorded. The update is effective for annual and interim periods beginning after December 15, 2018, and early adoption is permitted. The Company is currently evaluating the potential impact of this update on its consolidated financial statements. In March 2016, the FASB issued an accounting update to simplify the accounting for share-based compensation, including the accounting for forfeitures, the statutory tax withholding requirements, the accounting for income taxes, and the classification of share-based compensation transactions in the statement of cash flows. The key provision of the update is the requirement for the tax benefits or tax deficiencies from the exercise or vesting of share-based awards to flow through the statement of income, rather than through additional paid-in-capital In June 2016, the FASB issued an accounting update to change the impairment model for estimating credit losses on financial assets. The current incurred loss impairment model requires the recognition of credit losses when it is probable that a loss has been incurred. The incurred loss model will be replaced by an expected loss model, which requires entities to estimate the lifetime expected credit loss on such instruments and to record an allowance to offset the amortized cost basis of the financial asset. This update is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted. The Company believes the implementation of the accounting update will have a material adverse effect on the Company’s consolidated financial statements, and is in the process of quantifying the potential impacts. In August 2016, the FASB issued an accounting update to provide specific guidance on certain cash flow classification issues to reduce diversity in practice. These issues include debt prepayment or extinguishment costs, contingent consideration payments after business combinations, beneficial interest in securitization transactions, and proceeds from insurance claims. This update is effective for annual and interim periods beginning after December 15, 2017, and early adoption is permitted. The Company will adopt the new standard effective January 1, 2018, and believes implementation of the accounting update will not have a material effect on the Company’s consolidated financial statements. In November 2016, the FASB issued an accounting update to address diversity in the classification of restricted cash transfers on the statement of cash flows. The amendment requires that the statements of cash flows explain the change during the period in the total of cash, cash equivalents, restricted cash, and restricted cash equivalents. This update is effective for annual and interim periods beginning after December 15, 2017, and early adoption is permitted. The Company will adopt the new standard effective January 1, 2018. At adoption, the Company will no longer report the changes in restricted cash as an investing activity. Instead, restricted cash will be included in the beginning and ending cash balances on the consolidated statements of cash flows. Additionally, the Company will present a reconciliation from the balance sheet cash and restricted cash with the beginning and ending cash used on the consolidated statements of cash flows. In January 2017, the FASB issued an accounting update to simplify the subsequent measurement of goodwill. The amendment reduces the cost and complexity of evaluating goodwill for impairment by eliminating a step in the goodwill impairment test, which required the same procedure used to determine the fair value of assets acquired and liabilities assumed in a business combination. This update is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted. The adoption of this accounting pronouncement will not impact the Company’s consolidated financial statements.

Finance Receivables, Credit Q26

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2017
Receivables [Abstract]
Summary of Finance Receivables	Finance receivables for the periods indicated consisted of the following: December 31, In thousands 2017 2016 Small loans $ 375,772 $ 358,471 Large loans 347,218 235,349 Automobile loans 61,423 90,432 Retail loans 33,050 33,523 Finance receivables $ 817,463 $ 717,775
Contractual Delinquency of the Finance Receivable Portfolio by Component	The contractual delinquency of the finance receivable portfolio by product and aging for the periods indicated are as follows: December 31, 2017 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 301,114 80.1 % $ 299,467 86.3 % $ 43,140 70.2 % $ 25,730 77.8 % $ 669,451 81.9 % 1 to 29 days past due 39,412 10.5 % 29,211 8.4 % 13,387 21.8 % 4,523 13.7 % 86,533 10.6 % Delinquent accounts 30 to 59 days 9,738 2.6 % 5,949 1.6 % 2,162 3.6 % 879 2.7 % 18,728 2.2 % 60 to 89 days 8,755 2.3 % 4,757 1.4 % 1,046 1.7 % 739 2.2 % 15,297 1.9 % 90 to 119 days 6,881 1.9 % 3,286 1.0 % 701 1.1 % 471 1.5 % 11,339 1.4 % 120 to 149 days 5,284 1.4 % 2,537 0.7 % 636 1.0 % 408 1.2 % 8,865 1.1 % 150 to 179 days 4,588 1.2 % 2,011 0.6 % 351 0.6 % 300 0.9 % 7,250 0.9 % Total delinquency $ 35,246 9.4 % $ 18,540 5.3 % $ 4,896 8.0 % $ 2,797 8.5 % $ 61,479 7.5 % Total finance receivables $ 375,772 100.0 % $ 347,218 100.0 % $ 61,423 100.0 % $ 33,050 100.0 % $ 817,463 100.0 % Finance receivables in nonaccrual status $ 16,753 4.5 % $ 7,834 2.3 % $ 1,688 2.7 % $ 1,179 3.6 % $ 27,454 3.4 % December 31, 2016 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 288,983 80.6 % $ 204,063 86.8 % $ 66,936 74.0 % $ 27,220 81.2 % $ 587,202 81.9 % 1 to 29 days past due 36,533 10.2 % 19,172 8.1 % 17,196 19.0 % 4,205 12.5 % 77,106 10.7 % Delinquent accounts 30 to 59 days 9,408 2.6 % 3,948 1.7 % 2,654 3.0 % 717 2.2 % 16,727 2.3 % 60 to 89 days 7,110 2.0 % 2,920 1.2 % 1,171 1.3 % 440 1.3 % 11,641 1.6 % 90 to 119 days 6,264 1.8 % 2,271 1.0 % 1,110 1.2 % 376 1.1 % 10,021 1.4 % 120 to 149 days 5,424 1.5 % 1,710 0.7 % 743 0.8 % 328 1.0 % 8,205 1.1 % 150 to 179 days 4,749 1.3 % 1,265 0.5 % 622 0.7 % 237 0.7 % 6,873 1.0 % Total delinquency $ 32,955 9.2 % $ 12,114 5.1 % $ 6,300 7.0 % $ 2,098 6.3 % $ 53,467 7.4 % Total finance receivables $ 358,471 100.0 % $ 235,349 100.0 % $ 90,432 100.0 % $ 33,523 100.0 % $ 717,775 100.0 % Finance receivables in nonaccrual status $ 16,437 4.6 % $ 5,246 2.2 % $ 2,475 2.7 % $ 941 2.8 % $ 25,099 3.5 %
Summary of Changes in Allowance for Credit Losses	Changes in the allowance for credit losses for the periods indicated are as follows: Year Ended December 31, In thousands 2017 2016 2015 Balance at beginning of period $ 41,250 $ 37,452 $ 40,511 Provision for credit losses 77,339 63,014 47,348 Credit losses (75,880 ) (64,064 ) (55,043 ) Recoveries 6,201 4,848 4,636 Balance at end of period $ 48,910 $ 41,250 $ 37,452
Reconciliation of Allowance for Credit Losses	The following is a reconciliation of the allowance for credit losses by product for the periods indicated: In thousands Balance Provision Credit Losses Recoveries Balance Finance Allowance as Small loans $ 21,770 $ 45,104 $ (45,612 ) $ 3,487 $ 24,749 $ 375,772 6.6 % Large loans 11,460 25,024 (20,088 ) 1,152 17,548 347,218 5.1 % Automobile loans 5,910 4,210 (7,424 ) 1,329 4,025 61,423 6.6 % Retail loans 2,110 3,001 (2,756 ) 233 2,588 33,050 7.8 % Total $ 41,250 $ 77,339 $ (75,880 ) $ 6,201 $ 48,910 $ 817,463 6.0 % In thousands Balance Provision Credit Losses Recoveries Balance Finance Allowance as Small loans $ 21,535 $ 41,119 $ (43,797 ) $ 2,913 $ 21,770 $ 358,471 6.1 % Large loans 5,593 14,261 (8,946 ) 552 11,460 235,349 4.9 % Automobile loans 8,828 4,785 (8,886 ) 1,183 5,910 90,432 6.5 % Retail loans 1,496 2,849 (2,435 ) 200 2,110 33,523 6.3 % Total $ 37,452 $ 63,014 $ (64,064 ) $ 4,848 $ 41,250 $ 717,775 5.7 % In thousands Balance Provision Credit Losses Recoveries Balance Finance Allowance as Small loans $ 25,280 $ 33,428 $ (40,059 ) $ 2,886 $ 21,535 $ 338,157 6.4 % Large loans 1,980 6,032 (2,762 ) 343 5,593 146,553 3.8 % Automobile loans 11,776 6,285 (10,466 ) 1,233 8,828 116,109 7.6 % Retail loans 1,475 1,603 (1,756 ) 174 1,496 27,625 5.4 % Total $ 40,511 $ 47,348 $ (55,043 ) $ 4,636 $ 37,452 $ 628,444 6.0 %
Tabular Disclosure of Impaired Financing Receivables	Impaired finance receivables as a percentage of total finance receivables were 2.1% and 1.6% for the years ended December 31, 2017 and 2016, respectively. The following is a summary of finance receivables evaluated for impairment for the periods indicated: December 31, 2017 In thousands Small Large Automobile Retail Total Impaired receivables specifically evaluated $ 5,094 $ 10,303 $ 1,724 $ 109 $ 17,230 Finance receivables evaluated collectively 370,678 336,915 59,699 32,941 800,233 Finance receivables outstanding $ 375,772 $ 347,218 $ 61,423 $ 33,050 $ 817,463 Impaired receivables in nonaccrual status $ 707 $ 931 $ 129 $ 31 $ 1,798 Amount of the specific reserve for impaired accounts $ 1,190 $ 2,183 $ 373 $ 20 $ 3,766 Amount of the general component of the allowance $ 23,559 $ 15,365 $ 3,652 $ 2,568 $ 45,144 December 31, 2016 In thousands Small Large Automobile Retail Total Impaired receivables specifically evaluated $ 2,409 $ 6,441 $ 2,460 $ 101 $ 11,411 Finance receivables evaluated collectively 356,062 228,908 87,972 33,422 706,364 Finance receivables outstanding $ 358,471 $ 235,349 $ 90,432 $ 33,523 $ 717,775 Impaired receivables in nonaccrual status $ 288 $ 610 $ 175 $ 7 $ 1,080 Amount of the specific reserve for impaired accounts $ 563 $ 1,216 $ 576 $ 19 $ 2,374 Amount of the general component of the allowance $ 21,207 $ 10,244 $ 5,334 $ 2,091 $ 38,876
Schedule of Average Recorded Investment in Impaired Finance Receivables	Average recorded investment in impaired finance receivables for the periods indicated are as follows: December 31, In thousands 2017 2016 Small loans $ 3,946 $ 1,686 Large loans 8,205 4,478 Automobile loans 2,062 2,801 Retail loans 107 114 Total average recorded investment $ 14,320 $ 9,079

Property and Equipment (Tables)

Property and Equipment (Tables)	12 Months Ended
	Dec. 31, 2017
Property, Plant and Equipment [Abstract]
Summary of Property and Equipment	For the periods indicated, property and equipment consisted of the following: December 31, In thousands 2017 2016 Land and building $ — $ 919 Furniture, fixtures, and equipment 20,471 19,925 Leasehold improvements 8,671 7,476 Property and equipment cost 29,142 28,320 Less accumulated depreciation 16,848 16,627 Property and equipment, net of accumulated depreciation $ 12,294 $ 11,693

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2017
Leases [Abstract]
Summary of Future Minimum Rent Commitments Under Non-cancellable Operating Leases	Future minimum rent commitments under non-cancellable In thousands Amount 2018 $ 6,390 2019 4,863 2020 4,416 2021 3,274 2022 2,307 Thereafter 6,779 Total $ 28,029

Intangible Assets (Tables)

Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2017
Goodwill and Intangible Assets Disclosure [Abstract]
Summary of Gross Carrying Amount and Related Accumulated Amortization of Intangible Assets	The following table provides the gross carrying amount and related accumulated amortization of intangible assets: December 31, 2017 December 31, 2016 In thousands Gross Carrying Accumulated Net Amount Gross Carrying Accumulated Net Amount Software $ 13,396 $ (3,550 ) $ 9,846 $ 8,743 $ (3,220 ) $ 5,523 Customer list 2,485 (2,440 ) 45 2,485 (2,276 ) 209 Goodwill 950 (234 ) 716 950 (234 ) 716 Total intangible assets $ 16,831 $ (6,224 ) $ 10,607 $ 12,178 $ (5,730 ) $ 6,448
Summary of Future Amortization of Intangible Assets	The following table sets forth the future amortization of intangible assets: In thousands Amount 2018 $ 1,912 2019 1,671 2020 1,531 2021 1,461 2022 1,453 Thereafter 1,863 Total $ 9,891

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Dec. 31, 2017
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Summary of Other Assets	Other assets include the following as of the periods indicated: December 31, In thousands 2017 2016 Income tax receivable $ 9,474 $ — Prepaid expenses 2,806 2,561 Card payments receivable 2,005 725 Credit insurance receivable 1,024 436 Repossessed assets 431 502 Other 272 558 Total $ 16,012 $ 4,782

Interest Rate Caps (Tables)

Interest Rate Caps (Tables)	12 Months Ended
	Dec. 31, 2017
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Summary of Changes in Rate Caps	The following is a summary of changes in the rate caps: December 31, In thousands 2017 2016 Balance at beginning of period $ 62 $ 120 Purchases 100 112 Fair value adjustment included as an increase in interest expense (64 ) (170 ) Balance at end of period, included in other assets $ 98 $ 62

Long-Term Debt (Tables)

Long-Term Debt (Tables)	12 Months Ended
	Dec. 31, 2017
Summary of the Company's Long-Term Debt	The following is a summary of the Company’s long-term debt as of the periods indicated: December 31, 2017 December 31, 2016 In thousands Long-Term Unamortized Net Long-Term Long-Term Unamortized Net Long-Term Senior revolving credit facility $ 452,050 $ (2,162 ) $ 449,888 $ 452,849 $ (1,221 ) $ 451,628 Amortizing loan 53,380 (547 ) 52,833 38,829 (931 ) 37,898 Revolving warehouse credit facility 66,066 (2,241 ) 63,825 — — — Total $ 571,496 $ (4,950 ) $ 566,546 $ 491,678 $ (2,152 ) $ 489,526 Unused amount of revolving credit facilities (subject to borrowing base) $ 244,884 $ 132,151
Summary of Principal Payments Required on Outstanding Debt	The following is a summary of principal payments required on outstanding debt during each of the next five years: In thousands Amount 2018 $ 27,884 2019 81,354 2020 458,892 2021 2,527 2022 839 Total $ 571,496
Variable Interest Entity, Primary Beneficiary [Member]
Schedule of Carrying Amounts of Consolidated VIE Assets and Liabilities	The carrying amounts of consolidated VIE assets and liabilities are as follows: December 31, In thousands 2017 2016 Assets Cash $ 70 $ 36 Finance receivables 137,239 41,244 Allowance for credit losses (7,129 ) (2,337 ) Restricted cash 10,734 4,426 Other assets 119 201 Total assets $ 141,033 $ 43,570 Liabilities Net long-term debt $ 116,658 $ 37,898 Accounts payable and accrued expenses 53 5 Total liabilities $ 116,711 $ 37,903

Disclosure About Fair Value o33

Disclosure About Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2017
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, 2017 December 31, 2016 In thousands Carrying Estimated Carrying Estimated Assets Level 1 inputs Cash $ 5,230 $ 5,230 $ 4,446 $ 4,446 Restricted cash 16,787 16,787 8,297 8,297 Level 2 inputs Interest rate caps 98 98 62 62 Level 3 inputs Net finance receivables 768,553 768,553 676,525 676,525 Repossessed assets 431 431 502 502 Liabilities Level 3 inputs Long-term debt 571,496 571,496 491,678 491,678
Schedule of Assets Measured at Fair Value on Recurring Basis	The table below presents the balances of assets measured at fair value on a recurring basis by level within the hierarchy as of December 31, 2017 and 2016: Interest Rate Caps In thousands Total Level 1 Level 2 Level 3 2017 $ 98 $ — $ 98 $ — 2016 $ 62 $ — $ 62 $ —
Schedule of Assets 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, 2017 and 2016 for which a nonrecurring change in fair value has been recorded during the years ended December 31, 2017 and 2016: Repossessed Assets In thousands Total Level 1 Level 2 Level 3 Total Losses 2017 $ 431 $ — $ — $ 431 $ 437 2016 $ 502 $ — $ — $ 502 $ 452

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Schedule of Effective Income Tax Reconciliation	Income tax expense differed from the amount computed by applying the federal income tax rate of 35% to total income before income taxes as a result of the following: Year Ended December 31, In thousands 2017 2016 2015 Federal tax expense at statutory rate $ 14,090 $ 13,632 $ 13,349 Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 1,253 1,275 1,098 Non-deductible — — 378 Tax rate change (3,122 ) — — Excess tax benefits from share-based awards (1,603 ) — — Research and development tax credits (400 ) — — Other 76 10 (51 ) $ 10,294 $ 14,917 $ 14,774
Income Tax Expense Attributable to Total Income Before Income Taxes	Income tax expense attributable to total income before income taxes consists of the following for the periods indicated: Year Ended December 31, In thousands 2017 2016 2015 Current: Federal $ 4,479 $ 11,431 $ 13,037 State and local 821 1,584 1,859 5,300 13,015 14,896 Deferred: Federal 4,464 1,694 (104 ) State and local 530 208 (18 ) 4,994 1,902 (122 ) Total $ 10,294 $ 14,917 $ 14,774
Net Deferred Tax Assets and Liabilities	Net deferred tax assets and liabilities consist of the following as of the periods indicated: December 31, In thousands 2017 2016 Deferred tax assets: Allowance for credit losses $ 6,491 $ 15,823 Unearned insurance premiums 2,971 2,612 Share-based compensation 2,314 2,888 Amortization of intangible assets 424 675 Accrued expenses 391 565 State net operating loss carryforward 300 32 Deferred contract incentive 163 307 Other 206 50 Gross deferred tax assets 13,260 22,952 Deferred tax liabilities: Fair market value adjustment of finance receivables 12,410 17,448 Tax over book depreciation 3,463 2,266 Deferred loan costs 1,633 2,283 Prepaid expenses 395 724 Other 320 198 Gross deferred tax liabilities 18,221 22,919 Net deferred tax asset (liability) $ (4,961 ) $ 33

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2017
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings Per Share	The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated: Year Ended December 31, In thousands, except per share amounts 2017 2016 2015 Numerator: Net income $ 29,963 $ 24,031 $ 23,365 Denominator: Weighted average shares outstanding for basic earnings per share 11,551 11,824 12,849 Effect of dilutive securities 232 261 225 Weighted average shares adjusted for dilutive securities 11,783 12,085 13,074 Earnings per share: Basic $ 2.59 $ 2.03 $ 1.82 Diluted $ 2.54 $ 1.99 $ 1.79

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2017
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Option Grant Fair Value Assumptions	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 periods indicated below: Year Ended December 31, 2017 2016 2015 Expected volatility 43.95 % 46.04 % 47.15 % Expected dividends 0.00 % 0.00 % 0.00 % Expected term (in years) 5.96 5.80 6.15 Risk-free rate 2.09 % 1.32 % 1.62 %
Summary of Company's Stock Option Plan Activity	The following table summarizes the stock option activity for the year ended December 31, 2017: In thousands, except per share amounts Number of Shares Weighted-Average Exercise Price Per Share Weighted-Average Remaining Contractual Life (Years) Aggregate Intrinsic Value Options outstanding at January 1, 2017 1,166 $ 14.66 Granted 116 19.99 Exercised (289 ) 7.35 Forfeited (35 ) 18.30 Expired — — Options outstanding at December 31, 2017 958 $ 17.39 7.1 $ 8,747 Options exercisable at December 31, 2017 771 $ 16.99 6.8 $ 7,351 Available for grant at December 31, 2017 1,275
Summary of Additional Stock Option Information	The following table provides additional stock option information for the periods indicated: Year Ended December 31, In thousands, except per share amounts 2017 2016 2015 Weighted-average grant date fair value per share $ 8.90 $ 7.74 $ 7.13 Intrinsic value of options exercised $ 4,981 $ 1,397 $ 1,524 Fair value of stock options that vested $ 3,004 $ 2,131 $ 1,207
Summary of RSU Activity	The following table summarizes RSU activity during the year ended December 31, 2017: In thousands, except per unit amounts Units Weighted-Average Grant Date Fair Value Per Unit Non-vested 164 $ 16.07 Granted 85 19.99 Vested — — Forfeited (48 ) 17.69 Non-vested 201 $ 17.33
Summary of Additional RSU Information	The following table provides additional RSU information for the periods indicated: Year Ended December 31, 2017 2016 2015 Weighted-average grant date fair value per unit $ 19.99 $ 17.02 $ 14.89
Summary of CSPU Activity	The following table summarizes CSPU activity during the year ended December 31, 2017: In thousands, except per unit amounts Units Weighted-Average Grant Date Fair Value Per Unit Non-vested 2,641 $ 1.00 Granted 1,686 1.00 Vested — — Forfeited (843 ) 1.00 Non-vested 3,484 $ 1.00
Summary of Restricted Stock Activity	The following table summarizes restricted stock activity during the year ended December 31, 2017: In thousands, except per share amounts Shares Weighted-Average Grant Date Fair Value Per Share Non-vested 39 $ 16.46 Granted 83 18.38 Vested (60 ) 16.30 Forfeited (9 ) 18.25 Non-vested 53 $ 19.36
Summary of Additional Restricted Stock Information	The following table provides additional restricted stock information. Year Ended December 31, In thousands, except per share amounts 2017 2016 2015 Weighted-average grant date fair value per share $ 18.38 $ 16.37 $ 15.36 Fair value of restricted stock awards that vested $ 983 $ 347 $ 2,198

Insurance Products and Reinsu37

Insurance Products and Reinsurance of Certain Risks (Tables)	12 Months Ended
	Dec. 31, 2017
Insurance [Abstract]
Net Premiums Written and Earned Premiums	Following are total net premiums written and reinsured and total earned premiums for the years ended December 31, 2017, 2016, and 2015: In thousands Net Written Premiums Earned Premiums 2017 $ 40,491 $ 25,881 2016 31,576 22,498 2015 30,812 20,257

Quarterly Information (unaudi38

Quarterly Information (unaudited) (Tables)	12 Months Ended
	Dec. 31, 2017
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 2017 and 2016: 2017 In thousands, except per share amounts First Second Third Fourth Total revenue $ 65,820 $ 65,338 $ 69,194 $ 72,107 Provision for credit losses (2)(3) 19,134 18,589 20,152 19,464 General and administrative expenses 31,454 31,642 33,840 34,019 Interest expense 5,213 5,221 6,658 6,816 Income tax (1)(4) 2,385 3,751 3,235 923 Net income $ 7,634 $ 6,135 $ 5,309 $ 10,885 Net income per common share: Basic $ 0.66 $ 0.53 $ 0.46 $ 0.94 Diluted $ 0.65 $ 0.52 $ 0.45 $ 0.92 2016 In thousands, except per share amounts First Second Third Fourth Total revenue $ 56,697 $ 57,325 $ 62,475 $ 64,021 Provision for credit losses 13,791 13,386 16,410 19,427 General and administrative expenses 29,805 29,548 30,453 28,826 Interest expense 4,710 4,811 5,116 5,287 Income tax 3,215 3,668 4,020 4,014 Net income $ 5,176 $ 5,912 $ 6,476 $ 6,467 Net income per common share: Basic $ 0.41 $ 0.50 $ 0.57 $ 0.57 Diluted $ 0.40 $ 0.49 $ 0.56 $ 0.55

Nature of Business - Additional

Nature of Business - Additional Information (Detail)	Dec. 31, 2017BranchesLocation	Dec. 31, 2016Branches	Dec. 31, 2015Branches
Entity Location [Line Items]
Number of branches	342
Net number of branches opened | Branches	3	8	31
Alabama [Member]
Entity Location [Line Items]
Number of branches	47
Georgia [Member]
Entity Location [Line Items]
Number of branches	8
New Mexico [Member]
Entity Location [Line Items]
Number of branches	18
North Carolina [Member]
Entity Location [Line Items]
Number of branches	37
Oklahoma [Member]
Entity Location [Line Items]
Number of branches	28
South Carolina [Member]
Entity Location [Line Items]
Number of branches	68
Tennessee [Member]
Entity Location [Line Items]
Number of branches	21
Texas [Member]
Entity Location [Line Items]
Number of branches	98
Virginia [Member]
Entity Location [Line Items]
Number of branches	17

Significant Accounting Polici40

Significant Accounting Policies - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2017Segment
Significant Accounting Policies [Line Items]
Number of segment	1
Contractual delinquent period of loans	180 days
Bankruptcy delinquency threshold	60 days
Financing receivable suspended period	90 days
Delinquent period of accrual income	90 days
Tax benefit	50.00%
Minimum [Member] | Office Building [Member]
Significant Accounting Policies [Line Items]
Non cancellable lease period	3 years
Minimum [Member] | Furniture, Fixtures and Equipment [Member]
Significant Accounting Policies [Line Items]
Estimated useful lives	5 years
Maximum [Member] | Office Building [Member]
Significant Accounting Policies [Line Items]
Non cancellable lease period	7 years
Maximum [Member] | Furniture, Fixtures and Equipment [Member]
Significant Accounting Policies [Line Items]
Estimated useful lives	10 years

Concentrations of Credit Risk -

Concentrations of Credit Risk - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2017
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), three southwestern states (Oklahoma, New Mexico, and Texas), and one mid-Atlantic state (Virginia)

Finance Receivables, Credit Q42

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Finance Receivables (Detail) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 817,463	$ 717,775	$ 628,444
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	375,772	358,471	338,157
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	347,218	235,349	146,553
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	61,423	90,432	116,109
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 33,050	$ 33,523	$ 27,625

Finance Receivables, Credit Q43

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Contractual Delinquency of the Finance Receivable Portfolio by Component (Detail) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 61,479	$ 53,467
Past due, Percent	7.50%	7.40%
Finance receivables	$ 817,463	$ 717,775	$ 628,444
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 27,454	$ 25,099
Finance receivables in nonaccrual status, Percent	3.40%	3.50%
Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 669,451	$ 587,202
Current, Percent	81.90%	81.90%
1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 86,533	$ 77,106
Past due, Percent	10.60%	10.70%
Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 18,728	$ 16,727
Past due, Percent	2.20%	2.30%
Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 15,297	$ 11,641
Past due, Percent	1.90%	1.60%
Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 11,339	$ 10,021
Past due, Percent	1.40%	1.40%
Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 8,865	$ 8,205
Past due, Percent	1.10%	1.10%
Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 7,250	$ 6,873
Past due, Percent	0.90%	1.00%
Small Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 35,246	$ 32,955
Past due, Percent	9.40%	9.20%
Finance receivables	$ 375,772	$ 358,471	338,157
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 16,753	$ 16,437
Finance receivables in nonaccrual status, Percent	4.50%	4.60%
Small Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 301,114	$ 288,983
Current, Percent	80.10%	80.60%
Small Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 39,412	$ 36,533
Past due, Percent	10.50%	10.20%
Small Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 9,738	$ 9,408
Past due, Percent	2.60%	2.60%
Small Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 8,755	$ 7,110
Past due, Percent	2.30%	2.00%
Small Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 6,881	$ 6,264
Past due, Percent	1.90%	1.80%
Small Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,284	$ 5,424
Past due, Percent	1.40%	1.50%
Small Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,588	$ 4,749
Past due, Percent	1.20%	1.30%
Large Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 18,540	$ 12,114
Past due, Percent	5.30%	5.10%
Finance receivables	$ 347,218	$ 235,349	146,553
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 7,834	$ 5,246
Finance receivables in nonaccrual status, Percent	2.30%	2.20%
Large Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 299,467	$ 204,063
Current, Percent	86.30%	86.80%
Large Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 29,211	$ 19,172
Past due, Percent	8.40%	8.10%
Large Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,949	$ 3,948
Past due, Percent	1.60%	1.70%
Large Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,757	$ 2,920
Past due, Percent	1.40%	1.20%
Large Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,286	$ 2,271
Past due, Percent	1.00%	1.00%
Large Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,537	$ 1,710
Past due, Percent	0.70%	0.70%
Large Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,011	$ 1,265
Past due, Percent	0.60%	0.50%
Automobile Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,896	$ 6,300
Past due, Percent	8.00%	7.00%
Finance receivables	$ 61,423	$ 90,432	116,109
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 1,688	$ 2,475
Finance receivables in nonaccrual status, Percent	2.70%	2.70%
Automobile Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 43,140	$ 66,936
Current, Percent	70.20%	74.00%
Automobile Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 13,387	$ 17,196
Past due, Percent	21.80%	19.00%
Automobile Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,162	$ 2,654
Past due, Percent	3.60%	3.00%
Automobile Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,046	$ 1,171
Past due, Percent	1.70%	1.30%
Automobile Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 701	$ 1,110
Past due, Percent	1.10%	1.20%
Automobile Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 636	$ 743
Past due, Percent	1.00%	0.80%
Automobile Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 351	$ 622
Past due, Percent	0.60%	0.70%
Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,797	$ 2,098
Past due, Percent	8.50%	6.30%
Finance receivables	$ 33,050	$ 33,523	$ 27,625
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 1,179	$ 941
Finance receivables in nonaccrual status, Percent	3.60%	2.80%
Retail Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 25,730	$ 27,220
Current, Percent	77.80%	81.20%
Retail Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,523	$ 4,205
Past due, Percent	13.70%	12.50%
Retail Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 879	$ 717
Past due, Percent	2.70%	2.20%
Retail Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 739	$ 440
Past due, Percent	2.20%	1.30%
Retail Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 471	$ 376
Past due, Percent	1.50%	1.10%
Retail Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 408	$ 328
Past due, Percent	1.20%	1.00%
Retail Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 300	$ 237
Past due, Percent	0.90%	0.70%

Finance Receivables, Credit Q44

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Additional Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended	3 Months Ended								12 Months Ended
	Sep. 30, 2017	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Increase (decrease) in net income		$ 10,885	$ 5,309	$ 6,135	$ 7,634	$ 6,467	$ 6,476	$ 5,912	$ 5,176	$ 29,963	$ 24,031	$ 23,365
Increase (decrease) in diluted earnings per share		$ 0.92	$ 0.45	$ 0.52	$ 0.65	$ 0.55	$ 0.56	$ 0.49	$ 0.40	$ 2.54	$ 1.99	$ 1.79
Increase (decrease) in provision for credit losses		$ 19,464	$ 20,152	$ 18,589	$ 19,134	$ 19,427	$ 16,410	$ 13,386	$ 13,791	$ 77,339	$ 63,014	$ 47,348
Increase in loss allowance due to change in allowance assumption										100		500
Decrease in net income from a change in allowance assumption										$ (100)		$ (300)
Decrease in diluted earnings per share from a change in allowance assumption										$ 0.01		$ (0.02)
Allowance for credit losses as percentage of loans		6.00%				5.70%				6.00%	5.70%	6.00%
Impaired finance receivables as a percentage of total finance receivables										2.10%	1.60%
Previous [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loss emergence period of large loan finance receivable										12 months		10 months
Loss emergence period of small loan finance receivable										6 months
Loss emergence period of retail loan finance receivable										10 months
New [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loss emergence period of large loan finance receivable										10 months		12 months
Loss emergence period of small loan finance receivable										7 months
Loss emergence period of retail loan finance receivable										11 months
Large Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses as percentage of loans		5.10%				4.90%				5.10%	4.90%	3.80%	4.30%
Hurricanes [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Increase (decrease) in net income			$ (1,900)
Increase (decrease) in diluted earnings per share			$ (0.16)
Increase (decrease) in provision for credit losses	$ 3,000
Bulk Sale of Charged Off Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recoveries	$ 1,000		$ 1,000									$ 2,000
Change in Accounting Method Accounted for as Change in Estimate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses - factors influencing management's judgment										Prior to September 30, 2016, the general component reflected estimated credit losses for groups of finance receivables on a collective basis and was primarily based on historical loss rates (adjusted for qualitative factors). Effective September 30, 2016, the general component is primarily based on delinquency roll rates. Delinquency roll rate modeling is forward-looking and common practice in the consumer finance industry.
Increase (decrease) in provision for credit losses											$ (500)
Increase (decrease) in net income											$ 300
Increase (decrease) in diluted earnings per share											$ 0.03

Finance Receivables, Credit Q45

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Changes in Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Receivables [Abstract]
Balance at beginning of period	$ 41,250	$ 37,452	$ 40,511
Provision for credit losses	77,339	63,014	47,348
Credit losses	(75,880)	(64,064)	(55,043)
Recoveries	6,201	4,848	4,636
Balance at end of period	$ 48,910	$ 41,250	$ 37,452

Finance Receivables, Credit Q46

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Reconciliation of Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 41,250	$ 37,452	$ 40,511
Provision	77,339	63,014	47,348
Credit losses	(75,880)	(64,064)	(55,043)
Recoveries	6,201	4,848	4,636
Balance at end of period	48,910	41,250	37,452
Finance receivables	$ 817,463	$ 717,775	$ 628,444
Allowance as Percentage of Finance Receivables	6.00%	5.70%	6.00%
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 21,770	$ 21,535	$ 25,280
Provision	45,104	41,119	33,428
Credit losses	(45,612)	(43,797)	(40,059)
Recoveries	3,487	2,913	2,886
Balance at end of period	24,749	21,770	21,535
Finance receivables	$ 375,772	$ 358,471	$ 338,157
Allowance as Percentage of Finance Receivables	6.60%	6.10%	6.40%
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 11,460	$ 5,593	$ 1,980
Provision	25,024	14,261	6,032
Credit losses	(20,088)	(8,946)	(2,762)
Recoveries	1,152	552	343
Balance at end of period	17,548	11,460	5,593
Finance receivables	$ 347,218	$ 235,349	$ 146,553
Allowance as Percentage of Finance Receivables	5.10%	4.90%	3.80%	4.30%
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 5,910	$ 8,828	$ 11,776
Provision	4,210	4,785	6,285
Credit losses	(7,424)	(8,886)	(10,466)
Recoveries	1,329	1,183	1,233
Balance at end of period	4,025	5,910	8,828
Finance receivables	$ 61,423	$ 90,432	$ 116,109
Allowance as Percentage of Finance Receivables	6.60%	6.50%	7.60%
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 2,110	$ 1,496	$ 1,475
Provision	3,001	2,849	1,603
Credit losses	(2,756)	(2,435)	(1,756)
Recoveries	233	200	174
Balance at end of period	2,588	2,110	1,496
Finance receivables	$ 33,050	$ 33,523	$ 27,625
Allowance as Percentage of Finance Receivables	7.80%	6.30%	5.40%

Finance Receivables, Credit Q47

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Tabular Disclosure of Impaired Financing Receivables (Detail) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	$ 17,230	$ 11,411
Finance receivables evaluated collectively	800,233	706,364
Finance receivables	817,463	717,775	$ 628,444
Impaired receivables in nonaccrual status	1,798	1,080
Amount of the specific reserve for impaired accounts	3,766	2,374
Amount of the general component of the allowance	45,144	38,876
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	5,094	2,409
Finance receivables evaluated collectively	370,678	356,062
Finance receivables	375,772	358,471	338,157
Impaired receivables in nonaccrual status	707	288
Amount of the specific reserve for impaired accounts	1,190	563
Amount of the general component of the allowance	23,559	21,207
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	10,303	6,441
Finance receivables evaluated collectively	336,915	228,908
Finance receivables	347,218	235,349	146,553
Impaired receivables in nonaccrual status	931	610
Amount of the specific reserve for impaired accounts	2,183	1,216
Amount of the general component of the allowance	15,365	10,244
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	1,724	2,460
Finance receivables evaluated collectively	59,699	87,972
Finance receivables	61,423	90,432	116,109
Impaired receivables in nonaccrual status	129	175
Amount of the specific reserve for impaired accounts	373	576
Amount of the general component of the allowance	3,652	5,334
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	109	101
Finance receivables evaluated collectively	32,941	33,422
Finance receivables	33,050	33,523	$ 27,625
Impaired receivables in nonaccrual status	31	7
Amount of the specific reserve for impaired accounts	20	19
Amount of the general component of the allowance	$ 2,568	$ 2,091

Finance Receivables, Credit Q48

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Schedule of Average Recorded Investment in Impaired Finance Receivables (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Financing Receivable, Impaired [Line Items]
Total average recorded investment	$ 14,320	$ 9,079
Small Loans [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	3,946	1,686
Large Loans [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	8,205	4,478
Automobile Loans [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	2,062	2,801
Retail Loans [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	$ 107	$ 114

Property and Equipment - Summar

Property and Equipment - Summary of Property and Equipment (Detail) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 29,142	$ 28,320
Less accumulated depreciation	16,848	16,627
Property and equipment, net of accumulated depreciation	12,294	11,693
Land and Building [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross		919
Furniture, Fixtures and Equipment [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	20,471	19,925
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 8,671	$ 7,476

Property and Equipment - Additi

Property and Equipment - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
Depreciation expense	$ 3.4	$ 3.1	$ 2.6

Leases - Summary of Future Mini

Leases - Summary of Future Minimum Rent Commitments Under Non-cancellable Operating Leases (Detail) $ in Thousands	Dec. 31, 2017USD ($)
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2,018	$ 6,390
2,019	4,863
2,020	4,416
2,021	3,274
2,022	2,307
Thereafter	6,779
Total	$ 28,029

Leases - Additional Information

Leases - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Operating Leased Assets [Line Items]
Rent expense	$ 7.7	$ 7	$ 6
Minimum [Member]
Operating Leased Assets [Line Items]
Lease extension period	3 years
Maximum [Member]
Operating Leased Assets [Line Items]
Lease extension period	5 years

Intangible Assets - Summary of

Intangible Assets - Summary of Gross Carrying Amount and Related Accumulated Amortization of Intangible Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Intangible Assets Including Goodwill [Line Items]
Goodwill, Gross Carrying Amount	$ 950	$ 950
Total intangible assets, Gross Carrying Amount	16,831	12,178
Goodwill, Accumulated Amortization	(234)	(234)
Total intangible assets, Accumulated Amortization	(6,224)	(5,730)
Net Amount	9,891
Goodwill, Net Amount	716	716
Total intangible assets, Net Amount	10,607	6,448
Customer List [Member]
Intangible Assets Including Goodwill [Line Items]
Gross Carrying Amount	2,485	2,485
Accumulated Amortization	(2,440)	(2,276)
Net Amount	45	209
Software [Member]
Intangible Assets Including Goodwill [Line Items]
Gross Carrying Amount	13,396	8,743
Accumulated Amortization	(3,550)	(3,220)
Net Amount	$ 9,846	$ 5,523

Intangible Assets - Additional

Intangible Assets - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Amortization expense for intangible assets	$ 2,200,000	$ 1,900,000	$ 800,000
Impairment losses	0	0
Goodwill acquired during the year	$ 0	$ 0

Intangible Assets - Summary o55

Intangible Assets - Summary of Future Amortization of Intangible Assets (Detail) $ in Thousands	Dec. 31, 2017USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2,018	$ 1,912
2,019	1,671
2,020	1,531
2,021	1,461
2,022	1,453
Thereafter	1,863
Total	$ 9,891

Other Assets - Summary of Other

Other Assets - Summary of Other Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Income tax receivable	$ 9,474
Prepaid expenses	2,806	$ 2,561
Card payments receivable	2,005	725
Credit insurance receivable	1,024	436
Repossessed assets	431	502
Other	272	558
Total	$ 16,012	$ 4,782

Interest Rate Caps - Additional

Interest Rate Caps - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Derivative [Line Items]
Notional amount of interest rate cap	$ 250,000,000
Strike rate	2.50%
London Interbank Offered Rate (LIBOR) [Member]
Derivative [Line Items]
Interest rate	1.56%	0.77%
Interest Rate Cap Contracts Expiring in April 2018 [Member]
Derivative [Line Items]
Notional amount of interest rate cap	$ 150,000,000
Maturity period of interest rate caps exchanged	Apr. 30, 2018
Interest Rate Cap Contracts Expiring in March 2019 [Member]
Derivative [Line Items]
Notional amount of interest rate cap	$ 50,000,000
Maturity period of interest rate caps exchanged	Mar. 31, 2019
Interest Rate Cap Contracts Expiring In June 2020 [Member]
Derivative [Line Items]
Notional amount of interest rate cap	$ 50,000,000
Maturity period of interest rate caps exchanged	Jun. 30, 2020

Interest Rate Caps - Summary of

Interest Rate Caps - Summary of Change in Rate Caps (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Offsetting [Abstract]
Balance at beginning of period	$ 62	$ 120
Purchases	100	112
Fair value adjustment included as an increase in interest expense	(64)	(170)
Balance at end of period, included in other assets	$ 98	$ 62

Long-Term Debt - Summary of the

Long-Term Debt - Summary of the Company's Long-Term Debt (Detail) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Debt Instrument [Line Items]
Long-term debt	$ 571,496	$ 491,678
Unamortized debt issuance costs	(4,950)	(2,152)
Net long-term debt	566,546	489,526
Unused amount of revolving credit facilities (subject to borrowing base)	244,884	132,151
Senior Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Long-term debt	452,050	452,849
Unamortized debt issuance costs	(2,162)	(1,221)
Net long-term debt	449,888	451,628
Amortizing Loan [Member]
Debt Instrument [Line Items]
Long-term debt	53,380	38,829
Unamortized debt issuance costs	(547)	(931)
Net long-term debt	52,833	$ 37,898
Revolving Warehouse Credit Facility [Member]
Debt Instrument [Line Items]
Long-term debt	66,066
Unamortized debt issuance costs	(2,241)
Net long-term debt	$ 63,825

Long-Term Debt - Additional Inf

Long-Term Debt - Additional Information (Detail) - USD ($)	Feb. 05, 2018	Oct. 02, 2017	Feb. 28, 2018	Nov. 30, 2017	Jun. 30, 2017	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account						$ 16,787,000	$ 8,297,000
Revolving Warehouse Credit Facility [Member]
Line of Credit Facility [Line Items]
Secured line of credit						125,000,000
Line of credit facility, accordion feature						$ 150,000,000
Description of Variable Rate Basis						Borrowings under the facility bore interest, payable monthly, at a blended rate equal to three-month LIBOR, plus a margin of 3.50%. Effective October 2, 2017 and February 5, 2018, the margin decreased to 3.25% and 3.00%, respectively, following the satisfaction of milestones associated with the Company's conversion to a new loan origination and servicing system. The three-month LIBOR was 1.69% at December 31, 2017.
Percentage of advances on debt agreement eligible secured finance receivables						80.00%
Cash deposited to restricted cash reserve account						$ 800,000
Asset Backed Loans [Member]
Line of Credit Facility [Line Items]
Amortizing loan, amount								$ 75,700,000
Loan, maturity date				2024-12
Variable Interest Entity, Primary Beneficiary [Member]
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account						$ 10,734,000	4,426,000
Servicing fee						4.00%
Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Secured line of credit					$ 638,000,000
Debt agreement expiration date					Jun. 20, 2020
Line of credit facility, accordion feature					$ 700,000,000
Unused line fee per annum						0.50%
Decreased unused line fee						0.375%
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%
Credit facility, eligible borrowing capacity						$ 46,800,000
Senior Revolving Credit Facility [Member] | Senior Revolving Credit Facility Prior to June 20, 2017 [Member]
Line of Credit Facility [Line Items]
Secured line of credit					$ 585,000,000
Debt agreement expiration date					Aug. 31, 2019
Waterfall [Member]
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account						8,600,000	$ 2,700,000
Credit Agreement [Member]
Line of Credit Facility [Line Items]
Additional loan advance				$ 37,800,000
Credit Agreement [Member] | Variable Interest Entity, Primary Beneficiary [Member]
Line of Credit Facility [Line Items]
Percentage of advances on debt agreement eligible secured finance receivables				88.00%
Cash deposited to restricted cash reserve account						$ 1,300,000
Credit agreement, Interest rate				3.00%
Terms related to loan prepayment						The amended and restated credit agreement allows RMR to prepay the loan when the outstanding balance falls below 20% of the original loan amount.
Credit Agreement [Member] | Variable Interest Entity, Primary Beneficiary [Member] | Subsequent Event [Member]
Line of Credit Facility [Line Items]
Percentage of advances on debt agreement eligible secured finance receivables			85.00%
Credit agreement, Interest rate			3.25%
Minimum [Member] | Revolving Warehouse Credit Facility [Member]
Line of Credit Facility [Line Items]
Unused line fee per annum						0.35%
Minimum [Member] | Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Average outstanding amount						$ 413,000,000
Maximum [Member] | Revolving Warehouse Credit Facility [Member]
Line of Credit Facility [Line Items]
Unused line fee per annum						0.85%
London Interbank Offered Rate (LIBOR) [Member]
Line of Credit Facility [Line Items]
Interest rate						1.56%	0.77%
London Interbank Offered Rate (LIBOR) [Member] | Revolving Warehouse Credit Facility [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread						3.50%
Interest rate						1.69%
London Interbank Offered Rate (LIBOR) [Member] | Milestones Associated with Conversion to New Loan Origination and Servicing System [Member] | Revolving Warehouse Credit Facility [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread		3.25%
London Interbank Offered Rate (LIBOR) [Member] | Milestones Associated with Conversion to New Loan Origination and Servicing System [Member] | Revolving Warehouse Credit Facility [Member] | Subsequent Event [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread	3.00%
London Interbank Offered Rate (LIBOR) [Member] | Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
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, increasing to 3.25% when the availability percentage is below 10%.
Interest rate, basis spread						3.00%
Interest rate						1.63%	0.88%
London Interbank Offered Rate (LIBOR) [Member] | Senior Revolving Credit Facility [Member] | Availability Percentage Below 10% [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread						3.25%
London Interbank Offered Rate (LIBOR) [Member] | Minimum [Member] | Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Effective interest rate on line of credit						1.00%
Base Rate [Member] | Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Description of Variable Rate Basis						The Company may pay interest at the prime rate, plus a 2.00% margin, increasing to 2.25% when the availability percentage is below 10%.
Margin Rate [Member] | Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread						2.00%
Margin Rate [Member] | Senior Revolving Credit Facility [Member] | Availability Percentage Below 10% [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread						2.25%
Prime Rate [Member] | Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Interest rate						4.50%	3.75%

Long-Term Debt - Schedule of Ca

Long-Term Debt - Schedule of Carrying Amounts of Consolidated VIE's Assets and Liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Assets
Cash	$ 5,230	$ 4,446	$ 7,654	$ 4,012
Finance receivables	817,463	717,775	628,444
Allowance for credit losses	(48,910)	(41,250)	$ (37,452)	$ (40,511)
Restricted cash	16,787	8,297
Other assets	16,012	4,782
Total assets	829,483	712,224
Liabilities
Net long-term debt	566,546	489,526
Accounts payable and accrued expenses	18,565	15,223
Total liabilities	590,072	504,749
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	70	36
Finance receivables	137,239	41,244
Allowance for credit losses	(7,129)	(2,337)
Restricted cash	10,734	4,426
Other assets	119	201
Total assets	141,033	43,570
Liabilities
Net long-term debt	116,658	37,898
Accounts payable and accrued expenses	53	5
Total liabilities	$ 116,711	$ 37,903

Long-Term Debt - Summary of Pri

Long-Term Debt - Summary of Principal Payments Required on Outstanding Debt (Detail) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Debt Disclosure [Abstract]
2,018	$ 27,884
2,019	81,354
2,020	458,892
2,021	2,527
2,022	839
Total	$ 571,496	$ 491,678

Disclosure About Fair Value o63

Disclosure About Fair Value of Financial Instruments - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2017
Fair Value Disclosures [Abstract]
Turnover rate of loan portfolio	1.3

Disclosure About Fair Value o64

Disclosure About Fair Value of Financial Instruments - Carrying Amount and Estimated Fair Values of Company's Financial Instruments (Detail) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Assets
Interest rate caps	$ 98	$ 62	$ 120
Net finance receivables	768,553	676,525
Repossessed assets	431	502
Carrying Amount [Member] | Level 1 Inputs [Member]
Assets
Cash	5,230	4,446
Restricted cash	16,787	8,297
Carrying Amount [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	98	62
Carrying Amount [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	768,553	676,525
Repossessed assets	431	502
Liabilities
Long-term debt	571,496	491,678
Estimated Fair Value [Member] | Level 1 Inputs [Member]
Assets
Cash	5,230	4,446
Restricted cash	16,787	8,297
Estimated Fair Value [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	98	62
Estimated Fair Value [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	768,553	676,525
Repossessed assets	431	502
Liabilities
Long-term debt	$ 571,496	$ 491,678

Disclosure About Fair Value o65

Disclosure About Fair Value of Financial Instruments - Schedule of Assets Measured at Fair Value on Recurring Basis (Detail) - Interest Rate Caps [Member] - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on a recurring basis	$ 98	$ 62
Level 2 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on a recurring basis	$ 98	$ 62

Disclosure About Fair Value o66

Disclosure About Fair Value of Financial Instruments - Schedule of Assets Measured at Fair Value on a Nonrecurring Basis (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Losses (charged off amount) adjustments to the assets at fair value	$ 437	$ 452
Assets measured at fair value on a nonrecurring basis	431	502
Repossessed Assets [Member] | Level 3 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on a nonrecurring basis	$ 431	$ 502

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Schedule Of Income Taxes [Line Items]
Federal income tax rate										35.00%	35.00%	35.00%
State net operating loss carryforward	$ 9,700				$ 1,200					$ 9,700	$ 1,200
State net operating loss carryforwards expiration period										2,030
Deferred tax asset for the allowance for credit losses	5,000									$ 5,000
Deferred tax assets, state taxes	300				32					300	32
Income tax expense	923	$ 3,235	$ 3,751	$ 2,385	$ 4,014	$ 4,020	$ 3,668	$ 3,215		10,294	14,917	$ 14,774
Tax benefit										1,600	$ 0	$ 0
Provisional benefit to income tax expense, Tax Act	$ 3,100									$ 3,122
Tax Year 2013 [Member] | Tennessee [Member]
Schedule Of Income Taxes [Line Items]
Open tax year										2,013
Tax Year 2013 [Member] | South Carolina [Member]
Schedule Of Income Taxes [Line Items]
Open tax year										2,013
Earliest Tax Year [Member] | Texas [Member]
Schedule Of Income Taxes [Line Items]
Open tax year										2,011
Scenario, Forecast [Member]
Schedule Of Income Taxes [Line Items]
Federal income tax rate									21.00%

Income Taxes - Schedule of Effe

Income Taxes - Schedule of Effective Income Tax Reconciliation (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Federal tax expense at statutory rate									$ 14,090	$ 13,632	$ 13,349
Increase (reduction) in income taxes resulting from:
State tax, net of federal benefit									1,253	1,275	1,098
Non-deductible compensation											378
Tax rate change	$ (3,100)								(3,122)
Excess tax benefits from share-based awards									(1,603)
Research and development tax credits									(400)
Other									76	10	(51)
Total	$ 923	$ 3,235	$ 3,751	$ 2,385	$ 4,014	$ 4,020	$ 3,668	$ 3,215	$ 10,294	$ 14,917	$ 14,774

Income Taxes - Income Tax Expen

Income Taxes - Income Tax Expense Attributable to Total Income Before Income Taxes (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Current:
Federal									$ 4,479	$ 11,431	$ 13,037
State and local									821	1,584	1,859
Current total									5,300	13,015	14,896
Deferred:
Federal									4,464	1,694	(104)
State and local									530	208	(18)
Deferred total									4,994	1,902	(122)
Total	$ 923	$ 3,235	$ 3,751	$ 2,385	$ 4,014	$ 4,020	$ 3,668	$ 3,215	$ 10,294	$ 14,917	$ 14,774

Income Taxes - Net Deferred Tax

Income Taxes - Net Deferred Tax Assets and Liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Deferred tax assets:
Allowance for credit losses	$ 6,491	$ 15,823
Unearned insurance premiums	2,971	2,612
Share-based compensation	2,314	2,888
Amortization of intangible assets	424	675
Accrued expenses	391	565
State net operating loss carryforward	300	32
Deferred contract incentive	163	307
Other	206	50
Gross deferred tax assets	13,260	22,952
Deferred tax liabilities:
Fair market value adjustment of finance receivables	12,410	17,448
Tax over book depreciation	3,463	2,266
Deferred loan costs	1,633	2,283
Prepaid expenses	395	724
Other	320	198
Gross deferred tax liabilities	18,221	22,919
Net deferred tax liability	$ 4,961
Net deferred tax asset		$ 33

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								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Numerator:
Net income	$ 10,885	$ 5,309	$ 6,135	$ 7,634	$ 6,467	$ 6,476	$ 5,912	$ 5,176	$ 29,963	$ 24,031	$ 23,365
Denominator:
Weighted average shares outstanding for basic earnings per share									11,551	11,824	12,849
Effect of dilutive securities									232	261	225
Weighted average shares adjusted for dilutive securities									11,783	12,085	13,074
Basic	$ 0.94	$ 0.46	$ 0.53	$ 0.66	$ 0.57	$ 0.57	$ 0.50	$ 0.41	$ 2.59	$ 2.03	$ 1.82
Diluted	$ 0.92	$ 0.45	$ 0.52	$ 0.65	$ 0.55	$ 0.56	$ 0.49	$ 0.40	$ 2.54	$ 1.99	$ 1.79

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Stock Compensation Plans [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase common stock, Shares	126,000	140,000	489,000

Employee Benefit Plans - Additi

Employee Benefit Plans - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Employee Benefit Plans [Line Items]
Minimum service period required	1 year
Expense of employee related plan	$ 0.8	$ 0.8	$ 0.6
Matching Contribution up to 3% [Member]
Employee Benefit Plans [Line Items]
Matching contribution	100.00%	100.00%	100.00%
Matching Contribution 3 to 5% [Member]
Employee Benefit Plans [Line Items]
Matching contribution	50.00%	50.00%	50.00%
Employee Contribution Matched at 100% [Member]
Employee Benefit Plans [Line Items]
Employee contribution	3.00%	3.00%	3.00%
Employee Contribution Matched at 50% [Member]
Employee Benefit Plans [Line Items]
Employee contribution	2.00%	2.00%	2.00%

Share-based Compensation - Addi

Share-based Compensation - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Apr. 22, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant	1,275,000
Exercise period of options	10 years
2015 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant	1,300,000
Long Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Performance target for achievement period	3 years
Non-Employee Directors [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-employee director compensation grant period	5 days
Minimum [Member] | Graded and Cliff Vesting [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period of options	18 months
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 share-based compensation expense	$ 5
Period of recognition of share-based compensation expense	1 year 8 months 12 days
Share-based compensation expense	$ 4.3	$ 4.2	$ 3.6
Stock Compensation Plans [Member] | 2015 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum aggregate number of shares	1,600,000
Shares available for grant				922,000
Plan description	As of December 31, 2017, subject to adjustments as provided in the 2015 Plan, the maximum aggregate number of shares of the Company’s common stock that could be issued under the 2015 Plan could not exceed the sum of (i) 1.6 million shares plus (ii) any shares (A) remaining available for the grant of awards as of the 2015 Plan effective date (April 22, 2015) 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 without the issuance of shares or pursuant to which such shares are forfeited. As of the effectiveness of the 2015 Plan (April 22, 2015), there were 922 thousand 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 [Member] | Long Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Performance target for achievement period	1 year
Deferred compensation arrangement with individual, description	Each participant in the program is eligible to earn a restricted stock award, subject to performance over a one-year period. Payout under the program can range from 0% to 150% of target based on the achievement of five Company performance metrics and individual performance goals (subject to continued employment and certain other terms and conditions of the program).
Vesting period of options	2 years
Restricted Stock [Member] | 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%
Restricted Stock [Member] | 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%

Share-based Compensation - Opti

Share-based Compensation - Option Grant Fair Value Assumptions (Detail)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Expected volatility	43.95%	46.04%	47.15%
Expected dividends	0.00%	0.00%	0.00%
Expected term (in years)	5 years 11 months 15 days	5 years 9 months 18 days	6 years 1 month 24 days
Risk-free rate	2.09%	1.32%	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	12 Months Ended
	Dec. 31, 2017USD ($)$ / sharesshares
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Number of Shares, Options outstanding, Beginning balance	1,166
Number of Shares, Granted	116
Number of Shares, Exercised	(289)
Number of Shares, Forfeited	(35)
Number of Shares, Expired	0
Number of Shares, Options outstanding, Ending balance	958
Number of Shares, Options exercisable	771
Number of Shares, Available for grant	1,275
Weighted Average Exercise Price Per Share, Options outstanding, Beginning balance | $ / shares	$ 14.66
Weighted Average Exercise Price Per Share, Granted | $ / shares	19.99
Weighted Average Exercise Price Per Share, Exercised | $ / shares	7.35
Weighted Average Exercise Price Per Share, Forfeited | $ / shares	18.30
Weighted Average Exercise Price Per Share, Expired | $ / shares	0
Weighted Average Exercise Price Per Share, Options outstanding, Ending balance | $ / shares	17.39
Weighted Average Exercise Price Per Share, Options exercisable | $ / shares	$ 16.99
Weighted Average Remaining Contractual Life (Years), Options outstanding	7 years 1 month 6 days
Weighted Average Remaining Contractual Life (Years), Options exercisable	6 years 9 months 18 days
Aggregate Intrinsic Value, Options outstanding | $	$ 8,747
Aggregate Intrinsic Value, Options exercisable | $	$ 7,351

Share-based Compensation - Su77

Share-based Compensation - Summary of Additional Stock Option Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Weighted-average grant date fair value per share	$ 8.90	$ 7.74	$ 7.13
Intrinsic value of options exercised	$ 4,981	$ 1,397	$ 1,524
Fair value of stock options that vested	$ 3,004	$ 2,131	$ 1,207

Share-based Compensation - Su78

Share-based Compensation - Summary of RSU Activity (Detail) - Restricted Stock Units (RSUs) [Member] - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested, January 1, 2017	164
Granted	85
Vested	0
Forfeited	(48)
Non-vested, at December 31, 2017	201	164
Weighted Average Grant Date Fair Value, Non-vested, January 1, 2017	$ 16.07
Weighted Average Grant Date Fair Value, Granted	19.99	$ 17.02	$ 14.89
Weighted Average Grant Date Fair Value, Vested	0
Weighted Average Grant Date Fair Value, Forfeited	17.69
Weighted Average Grant Date Fair Value, Non-vested, at December 31, 2017	$ 17.33	$ 16.07

Share-based Compensation - Su79

Share-based Compensation - Summary of Additional RSU Information (Detail) - $ / shares	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 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	$ 19.99	$ 17.02	$ 14.89

Share-based Compensation - Su80

Share-based Compensation - Summary of CSPU Activity (Detail) - Performance Units [Member] shares in Thousands	12 Months Ended
	Dec. 31, 2017$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested, January 1, 2017 | shares	2,641
Granted | shares	1,686
Vested | shares	0
Forfeited | shares	(843)
Non-vested, at December 31, 2017 | shares	3,484
Weighted Average Grant Date Fair Value, Non-vested, January 1, 2017 | $ / shares	$ 1
Weighted Average Grant Date Fair Value, Granted | $ / shares	1
Weighted Average Grant Date Fair Value, Vested | $ / shares	0
Weighted Average Grant Date Fair Value, Forfeited | $ / shares	1
Weighted Average Grant Date Fair Value, Non-vested, at December 31, 2017 | $ / shares	$ 1

Share-based Compensation - Su81

Share-based Compensation - Summary of Restricted Stock Activity (Detail) - Restricted Stock [Member] - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested, January 1, 2017	39
Granted	83
Vested	(60)
Forfeited	(9)
Non-vested, at December 31, 2017	53	39
Weighted Average Grant Date Fair Value, Non-vested, January 1, 2017	$ 16.46
Weighted Average Grant Date Fair Value, Granted	18.38	$ 16.37	$ 15.36
Weighted Average Grant Date Fair Value, Vested	16.30
Weighted Average Grant Date Fair Value, Forfeited	18.25
Weighted Average Grant Date Fair Value, Non-vested, at December 31, 2017	$ 19.36	$ 16.46

Share-based Compensation - Su82

Share-based Compensation - Summary of Additional Restricted Stock Information (Detail) - Restricted Stock [Member] - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per share	$ 18.38	$ 16.37	$ 15.36
Fair value of restricted stock awards that vested	$ 983	$ 347	$ 2,198

Insurance Products and Reinsu83

Insurance Products and Reinsurance of Certain Risks - Additional Information (Detail) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Insurance [Line Items]
Restricted cash	$ 16,787	$ 8,297
Letter of credit	500	2,000
Letter of Credit [Member]
Insurance [Line Items]
Restricted cash	$ 6,100	$ 3,900

Insurance Products and Reinsu84

Insurance Products and Reinsurance of Certain Risks - Net Premiums Written and Earned Premiums (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Insurance [Abstract]
Net Written Premiums	$ 40,491	$ 31,576	$ 30,812
Earned Premiums	$ 25,881	$ 22,498	$ 20,257

Quarterly Information (Unaudi85

Quarterly Information (Unaudited) - Summary of the Company's Quarterly Financial Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Total revenue	$ 72,107	$ 69,194	$ 65,338	$ 65,820	$ 64,021	$ 62,475	$ 57,325	$ 56,697	$ 272,459	$ 240,518	$ 217,306
Provision for credit losses	19,464	20,152	18,589	19,134	19,427	16,410	13,386	13,791	77,339	63,014	47,348
General and administrative expenses	34,019	33,840	31,642	31,454	28,826	30,453	29,548	29,805	130,955	118,632	115,598
Interest expense	6,816	6,658	5,221	5,213	5,287	5,116	4,811	4,710	23,908	19,924	16,221
Income tax	923	3,235	3,751	2,385	4,014	4,020	3,668	3,215	10,294	14,917	14,774
Net income	$ 10,885	$ 5,309	$ 6,135	$ 7,634	$ 6,467	$ 6,476	$ 5,912	$ 5,176	$ 29,963	$ 24,031	$ 23,365
Net income per common share:
Basic	$ 0.94	$ 0.46	$ 0.53	$ 0.66	$ 0.57	$ 0.57	$ 0.50	$ 0.41	$ 2.59	$ 2.03	$ 1.82
Diluted	$ 0.92	$ 0.45	$ 0.52	$ 0.65	$ 0.55	$ 0.56	$ 0.49	$ 0.40	$ 2.54	$ 1.99	$ 1.79

Quarterly Information (Unaudi86

Quarterly Information (Unaudited) - Summary of the Company's Quarterly Financial Information (Parenthetical) (Detail) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended			12 Months Ended
	Sep. 30, 2017	Dec. 31, 2017	Sep. 30, 2017	Mar. 31, 2017	Dec. 31, 2017	Dec. 31, 2015
Quarterly Information [Line Items]
Tax benefit related to the exercise of stock options				$ 1,500
Incremental hurricane allowance for credit losses			$ 3,000
Provisional benefit to income tax expense, Tax Act		$ 3,100			$ 3,122
Bulk Sale of Charged Off Loans [Member]
Quarterly Information [Line Items]
Recovery from bulk sale of previously charged-off customer accounts in bankruptcy	$ 1,000		$ 1,000			$ 2,000