Regional Management (RM) 10-Q 1 May 18 2018 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2018	Apr. 30, 2018
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2018
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	Q1
Trading Symbol	RM
Entity Registrant Name	Regional Management Corp.
Entity Central Index Key	1,519,401
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		11,748,378

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Assets
Cash	$ 3,247	$ 5,230
Gross finance receivables	1,056,425	1,066,650
Unearned finance charges and insurance premiums	(251,469)	(249,187)
Finance receivables	804,956	817,463
Allowance for credit losses	(47,750)	(48,910)
Net finance receivables	757,206	768,553
Restricted cash	19,064	16,787
Property and equipment	12,214	12,294
Intangible assets	10,922	10,607
Other assets	12,156	16,012
Total assets	814,809	829,483
Liabilities
Long-term debt	550,377	571,496
Unamortized debt issuance costs	(4,512)	(4,950)
Net long-term debt	545,865	566,546
Accounts payable and accrued expenses	15,994	18,565
Deferred tax liability	3,999	4,961
Total liabilities	565,858	590,072
Commitments and Contingencies (Note 9)
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, 13,294 shares issued and 11,748 shares outstanding at March 31, 2018 and 13,205 shares issued and 11,659 shares outstanding at December 31, 2017)	1,329	1,321
Additional paid-in-capital	95,272	94,384
Retained earnings	177,396	168,752
Treasury stock (1,546 shares at March 31, 2018 and December 31, 2017)	(25,046)	(25,046)
Total stockholders' equity	248,951	239,411
Total liabilities and stockholders' equity	814,809	829,483
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	70	70
Finance receivables	153,747	137,239
Allowance for credit losses	(7,784)	(7,129)
Restricted cash	12,403	10,734
Other assets	171	119
Total assets	158,607	141,033
Liabilities
Net long-term debt	131,716	116,658
Accounts payable and accrued expenses	12	53
Total liabilities	$ 131,728	$ 116,711

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Mar. 31, 2018	Dec. 31, 2017
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	13,294,000	13,205,000
Common stock, shares outstanding	11,748,000	11,659,000
Treasury stock, shares	1,546,000	1,546,000

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Revenue
Interest and fee income	$ 66,151	$ 59,255
Insurance income, net	3,389	3,805
Other income	3,085	2,760
Total revenue	72,625	65,820
Expenses
Provision for credit losses	19,515	19,134
Personnel	21,228	18,168
Occupancy	5,618	5,285
Marketing	1,453	1,205
Other	6,293	6,796
Total general and administrative expenses	34,592	31,454
Interest expense	7,177	5,213
Income before income taxes	11,341	10,019
Income taxes	2,697	2,385
Net income	$ 8,644	$ 7,634
Net income per common share:
Basic	$ 0.74	$ 0.66
Diluted	$ 0.72	$ 0.65
Weighted average shares outstanding:
Basic	11,618	11,494
Diluted	12,030	11,715

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($) shares in Thousands, $ in Thousands	Total	Common Stock [Member]	Additional Paid-in-Capital [Member]	Retained Earnings [Member]	Treasury Stock [Member]
Beginning Balance at Dec. 31, 2016	$ 207,475	$ 1,300	$ 92,432	$ 138,789	$ (25,046)
Beginning 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
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
Issuance of restricted stock awards		$ 7	(7)
Issuance of restricted stock awards, shares		68
Exercise of stock options	$ 6	$ 6
Exercise of stock options, shares	60	60
Shares withheld related to net share settlement	$ (318)	$ (5)	(313)
Shares withheld related to net share settlement, shares		(39)
Share-based compensation	1,208		1,208
Net income	8,644			8,644
Ending Balance at Mar. 31, 2018	$ 248,951	$ 1,329	$ 95,272	$ 177,396	$ (25,046)
Ending Balance, shares at Mar. 31, 2018		13,294

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Dec. 31, 2017	Mar. 31, 2018	Dec. 31, 2017	Mar. 31, 2017	Dec. 31, 2016
Cash flows from operating activities:
Net income	$ 8,644	$ 7,634	$ 29,963
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	19,515	19,134
Depreciation and amortization	2,024	1,603
Loss on disposal of property and equipment	8	12
Share-based compensation	1,585	822
Fair value adjustment on interest rate caps	(121)	35
Deferred income taxes, net	(962)	(692)
Changes in operating assets and liabilities:
Decrease in other assets	3,975	298
Decrease in accounts payable and accrued expenses	(2,874)	(20)
Net cash provided by operating activities	31,794	28,826
Cash flows from investing activities:
Net repayments (originations) of finance receivables	(8,168)	3,387
Purchases of intangible assets	(814)	(1,049)
Purchases of property and equipment	(844)	(1,545)
Proceeds from disposal of property and equipment		558
Net cash provided by (used in) investing activities	(9,826)	1,351
Cash flows from financing activities:
Net payments on senior revolving credit facility	(35,924)	(22,056)
Payments on amortizing loan	(10,765)	(6,628)
Net advances on revolving warehouse credit facility	25,570
Payments for debt issuance costs	(58)	(195)
Taxes paid related to net share settlement of equity awards	(497)	(1,647)
Net cash used in financing activities	(21,674)	(30,526)
Net change in cash and restricted cash	294	(349)
Cash and restricted cash at beginning of period	22,017	12,743	12,743
Cash and restricted cash at end of period	22,311	12,394	22,017
Supplemental cash flow information
Interest paid	6,565	4,980
Cash				$ 3,247	$ 5,230	$ 3,505	$ 4,446
Income taxes paid	0	0
Restricted cash				19,064	16,787	8,889	8,297
Total cash and restricted cash	$ 22,311	$ 12,394	$ 12,743	$ 22,311	$ 22,017	$ 12,394	$ 12,743

Nature of Business

Nature of Business	3 Months Ended
	Mar. 31, 2018
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,

Basis of Presentation and Signi

Basis of Presentation and Significant Accounting Policies	3 Months Ended
	Mar. 31, 2018
Accounting Policies [Abstract]
Basis of Presentation and Significant Accounting Policies	Note 2. Basis of Presentation and Significant Accounting Policies Basis of presentation: 10-Q SEC GAAP 10-Q 10-K Significant accounting policies: Business segments: Principles of consolidation: VIE 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: 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 implementation of the accounting update will have an impact on the Company’s debt covenants. The Company is working with its lenders to address any issues before implementation and continues to evaluate and quantify the potential impacts of this update on its consolidated financial statements. 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 was permitted. The Company adopted the new standard effective in 2018, and implementation of the accounting update had no impact 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 was permitted. The Company adopted the new standard effective in 2018. As a result, the Company no longer reports the changes in restricted cash as an investing activity. Instead, restricted cash is included in the beginning and ending cash balances on the consolidated statements of cash flows.

Finance Receivables, Credit Qua

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses	3 Months Ended
	Mar. 31, 2018
Receivables [Abstract]
Finance Receivables, Credit Quality Information, and Allowance for Credit Losses	Note 3. Finance Receivables, Credit Quality Information, and Allowance for Credit Losses Finance receivables for the periods indicated consisted of the following: In thousands March 31, 2018 December 31, 2017 Small loans $ 360,470 $ 375,772 Large loans 363,931 347,218 Automobile loans 48,704 61,423 Retail loans 31,851 33,050 Finance receivables $ 804,956 $ 817,463 The contractual delinquency of the finance receivable portfolio by product and aging for the periods indicated are as follows: March 31, 2018 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 299,917 83.2 % $ 319,849 87.9 % $ 37,138 76.3 % $ 26,302 82.6 % $ 683,206 84.9 % 1 to 29 days past due 30,967 8.6 % 26,359 7.2 % 8,434 17.3 % 3,274 10.3 % 69,034 8.6 % Delinquent accounts 30 to 59 days 7,595 2.1 % 5,541 1.6 % 1,127 2.2 % 595 1.9 % 14,858 1.8 % 60 to 89 days 6,360 1.8 % 4,055 1.1 % 658 1.4 % 422 1.3 % 11,495 1.4 % 90 to 119 days 5,426 1.5 % 3,148 0.8 % 671 1.4 % 411 1.2 % 9,656 1.2 % 120 to 149 days 4,700 1.3 % 2,451 0.7 % 401 0.8 % 353 1.1 % 7,905 1.0 % 150 to 179 days 5,505 1.5 % 2,528 0.7 % 275 0.6 % 494 1.6 % 8,802 1.1 % Total delinquency $ 29,586 8.2 % $ 17,723 4.9 % $ 3,132 6.4 % $ 2,275 7.1 % $ 52,716 6.5 % Total finance receivables $ 360,470 100.0 % $ 363,931 100.0 % $ 48,704 100.0 % $ 31,851 100.0 % $ 804,956 100.0 % Finance receivables in nonaccrual status $ 15,631 4.3 % $ 8,127 2.2 % $ 1,347 2.8 % $ 1,258 3.9 % $ 26,363 3.3 % 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 % Changes in the allowance for credit losses for the periods indicated are as follows: Three Months Ended March 31, In thousands 2018 2017 Balance at beginning of period $ 48,910 $ 41,250 Provision for credit losses 19,515 19,134 Credit losses (22,020 ) (20,994 ) Recoveries 1,345 1,610 Balance at end of period $ 47,750 $ 41,000 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 hurricanes. As of March 31, 2018, the allowance for credit losses included $1.8 million of remaining incremental hurricane allowance. 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 $ 24,749 $ 11,283 $ (13,375 ) $ 709 $ 23,366 $ 360,470 6.5 % Large loans 17,548 6,878 (6,195 ) 358 18,589 363,931 5.1 % Automobile loans 4,025 521 (1,467 ) 237 3,316 48,704 6.8 % Retail loans 2,588 833 (983 ) 41 2,479 31,851 7.8 % Total $ 48,910 $ 19,515 $ (22,020 ) $ 1,345 $ 47,750 $ 804,956 5.9 % In thousands Balance 2017 Provision Credit Losses Recoveries Balance 2017 Finance Allowance as Small loans $ 21,770 $ 11,164 $ (13,202 ) $ 843 $ 20,575 $ 335,552 6.1 % Large loans 11,460 5,602 (4,629 ) 242 12,675 242,380 5.2 % Automobile loans 5,910 1,739 (2,333 ) 459 5,775 85,869 6.7 % Retail loans 2,110 629 (830 ) 66 1,975 31,203 6.3 % Total $ 41,250 $ 19,134 $ (20,994 ) $ 1,610 $ 41,000 $ 695,004 5.9 % Impaired finance receivables as a percentage of total finance receivables were 2.5% and 2.1% as of March 31, 2018 and December 31, 2017, respectively. The following is a summary of finance receivables evaluated for impairment for the periods indicated: March 31, 2018 In thousands Small Large Automobile Retail Total Impaired receivables specifically evaluated $ 6,095 $ 11,987 $ 1,600 $ 92 $ 19,774 Finance receivables evaluated collectively 354,375 351,944 47,104 31,759 785,182 Finance receivables outstanding $ 360,470 $ 363,931 $ 48,704 $ 31,851 $ 804,956 Impaired receivables in nonaccrual status $ 739 $ 1,046 $ 119 $ 13 $ 1,917 Amount of the specific reserve for impaired accounts $ 1,434 $ 2,533 $ 355 $ 18 $ 4,340 Amount of the general component of the allowance $ 21,932 $ 16,056 $ 2,961 $ 2,461 $ 43,410 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 The average recorded investment in impaired finance receivables and the amount of interest income recognized on impaired loans for the periods indicated are as follows: Three Months Ended March 31, 2018 2017 In thousands Average Interest Income Average Small loans $ 5,521 $ 324 $ 2,997 Large loans 11,142 446 7,034 Automobile loans 1,669 48 2,387 Retail loans 94 7 101 Total $ 18,426 $ 825 $ 12,519 It was not practical to compute the amount of interest income recognized on impaired loans prior to fiscal year 2018.

Long-Term Debt

Long-Term Debt	3 Months Ended
	Mar. 31, 2018
Debt Disclosure [Abstract]
Long-Term Debt	Note 4. Long-Term Debt The following is a summary of the Company’s long-term debt as of the periods indicated: March 31, 2018 December 31, 2017 In thousands Long-Term Unamortized Net Long-Term Long-Term Unamortized Net Long-Term Senior revolving credit facility $ 416,126 $ (1,977 ) $ 414,149 $ 452,050 $ (2,162 ) $ 449,888 Amortizing loan 42,615 (440 ) 42,175 53,380 (547 ) 52,833 Revolving warehouse credit facility 91,636 (2,095 ) 89,541 66,066 (2,241 ) 63,825 Total $ 550,377 $ (4,512 ) $ 545,865 $ 571,496 $ (4,950 ) $ 566,546 Unused amount of revolving credit facilities (subject to borrowing base) $ 255,238 $ 244,884 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 one-month In June 2017, the Company and its wholly-owned subsidiary, Regional Management Receivables II, LLC (“ RMR II In November 2017, the Company and its wholly-owned subsidiary, Regional Management Receivables, LLC (“ RMR 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 March 31, 2018, 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 $10.0 million and $8.6 million as of March 31, 2018 and December 31, 2017, 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 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: In thousands March 31, 2018 December 31, 2017 Assets Cash $ 70 $ 70 Finance receivables 153,747 137,239 Allowance for credit losses (7,784 ) (7,129 ) Restricted cash 12,403 10,734 Other assets 171 119 Total assets $ 158,607 $ 141,033 Liabilities Net long-term debt $ 131,716 $ 116,658 Accounts payable and accrued expenses 12 53 Total liabilities $ 131,728 $ 116,711

Disclosure About Fair Value of

Disclosure About Fair Value of Financial Instruments	3 Months Ended
	Mar. 31, 2018
Fair Value Disclosures [Abstract]
Disclosure About Fair Value of Financial Instruments	Note 5. 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: March 31, 2018 December 31, 2017 In thousands Carrying Estimated Carrying Estimated Assets Level 1 inputs Cash $ 3,247 $ 3,247 $ 5,230 $ 5,230 Restricted cash 19,064 19,064 16,787 16,787 Level 2 inputs Interest rate caps 219 219 98 98 Level 3 inputs Net finance receivables 757,206 757,206 768,553 768,553 Repossessed assets 302 302 431 431 Liabilities Level 3 inputs Long-term debt 550,377 550,377 571,496 571,496 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.

Income Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2018
Income Tax Disclosure [Abstract]
Income Taxes	Note 6. Income Taxes Income tax expense differed from the amount computed by applying the federal income tax rate to total income before income taxes as a result of the following: Three Months Ended March 31, 2018 2017 In thousands $ % $ % Federal tax expense at statutory rate $ 2,382 21.0 % $ 3,507 35.0 % Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 379 3.3 % 246 2.5 % Excess tax benefits from share-based awards (138 ) (1.2 )% (1,452 ) (14.5 )% Other 74 0.7 % 84 0.8 % $ 2,697 23.8 % $ 2,385 23.8 % In December 2017, the Tax Cuts and Jobs Act (the “ Tax Act As of December 31, 2017, the Company was required to revalue deferred tax assets and liabilities at the enacted rate as a result of the Tax Act. Due to the timing of the enactment and the complexity involved in applying the provisions of the Tax Act, the Company made reasonable estimates of the effects of the Tax Act and recorded provisional amounts in its consolidated financial statements as of December 31, 2017. As the Company collects and prepares necessary data and interprets the Tax Act and any additional guidance issued by the U.S. Treasury Department, the Internal Revenue Service, the SEC, and other standard-setting bodies, it may make adjustments to the provisional amounts. The accounting for the tax effects of the Tax Act will be completed in 2018. Pursuant to the adoption of an accounting standard update issued in March 2016 and effective beginning in fiscal year 2017, the Company recognizes the tax benefits or deficiencies from the exercise or vesting of share-based awards in the income tax line of the consolidated statements of income. These tax benefits and deficiencies were previously recognized within additional paid-in-capital

Earnings Per Share

Earnings Per Share	3 Months Ended
	Mar. 31, 2018
Earnings Per Share [Abstract]
Earnings Per Share	Note 7. Earnings Per Share The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated: Three Months Ended In thousands, except per share amounts 2018 2017 Numerator: Net income $ 8,644 $ 7,634 Denominator: Weighted average shares outstanding for basic earnings per share 11,618 11,494 Effect of dilutive securities 412 221 Weighted average shares adjusted for dilutive securities 12,030 11,715 Earnings per share: Basic $ 0.74 $ 0.66 Diluted $ 0.72 $ 0.65 Options to purchase 138 thousand and 231 thousand shares of common stock were outstanding during the three months ended March 31, 2018 and 2017, respectively, but were not included in the computation of diluted earnings per share because they were anti-dilutive.

Share-Based Compensation

Share-Based Compensation	3 Months Ended
	Mar. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Share-Based Compensation	Note 8. Share-Based Compensation The Company previously adopted the 2007 Management Incentive Plan (the “ 2007 Plan 2011 Plan 2015 Plan re-approved For each of the three months ended March 31, 2018 and 2017, the Company recorded share-based compensation expense of $1.6 million and $0.8 million, respectively. As of March 31, 2018, unrecognized share-based compensation expense to be recognized over future periods approximated $9.8 million. This amount will be recognized as expense over a weighted-average period of 2.2 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: 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: Three Months Ended 2018 2017 Expected volatility 41.63 % 44.17 % Expected dividends 0.00 % 0.00 % Expected term (in years) 5.99 5.97 Risk-free rate 2.66 % 2.17 % 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 three months ended March 31, 2018: In thousands, except per share amounts Number of Weighted-Average Exercise Price Weighted-Average Aggregate Options outstanding at January 1, 2018 958 $ 17.39 Granted 111 28.25 Exercised (60 ) 16.82 Forfeited — — Expired — — Options outstanding at March 31, 2018 1,009 $ 18.62 7.3 $ 13,396 Options exercisable at March 31, 2018 731 $ 17.00 6.7 $ 10,901 Available for grant at March 31, 2018 1,144 The following table provides additional stock option information for the periods indicated: Three Months Ended In thousands, except per share amounts 2018 2017 Weighted-average grant date fair value per share $ 12.39 $ 8.97 Intrinsic value of options exercised $ 1,030 $ 4,725 Fair value of stock options that vested $ 199 $ 302 Performance-contingent restricted stock units: The following table summarizes RSU activity during the three months ended March 31, 2018: In thousands, except per unit amounts Units Weighted-Average Fair Value Per Unit Non-vested 201 $ 17.33 Granted 59 28.25 Vested — — Forfeited (78 ) 14.92 Non-vested 182 $ 21.89 The following table provides additional RSU information for the periods indicated: Three Months Ended 2018 2017 Weighted-average grant date fair value per unit $ 28.25 $ 19.99 Cash-settled performance units: The following table summarizes CSPU activity during the three months ended March 31, 2018: In thousands, except per unit amounts Units Weighted-Average Fair Value Per Unit Non-vested 3,484 $ 1.00 Granted 1,660 1.00 Vested — — Forfeited (1,162 ) 1.00 Non-vested 3,982 $ 1.00 Restricted stock awards: The following table summarizes restricted stock activity during the three months ended March 31, 2018: In thousands, except per share amounts Shares Weighted-Average Fair Value Per Share Non-vested 53 $ 19.36 Granted 68 20.56 Vested (3 ) 19.83 Forfeited — — Non-vested 118 $ 20.04 The following table provides additional restricted stock information: Three Months Ended In thousands, except per share amounts 2018 2017 Weighted-average grant date fair value per share $ 20.56 $ 16.65 Fair value of restricted stock awards that vested $ 60 $ 45

Commitments and Contingencies

Commitments and Contingencies	3 Months Ended
	Mar. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 9. Commitments and Contingencies In the normal course of business, the Company has been named as a defendant in legal actions, including arbitrations, class actions, and other litigation arising in connection with its activities. Some of the actual or threatened legal actions include claims for compensatory and punitive damages or claims for indeterminate amounts of damages. While the Company will continue to identify legal actions where the Company believes a material loss to be reasonably possible and reasonably estimable, there can be no assurance that material losses will not be incurred from claims that the Company has not yet been notified of or are not yet determined to be probable, or reasonably possible and reasonable to estimate. The Company contests liability and the amount of damages, as appropriate, in each pending matter. Where available information indicates that it is probable that a liability has been incurred and the Company can reasonably estimate the amount of that loss, the Company accrues the estimated loss by a charge to net income. As of March 31, 2018, the Company had accrued $0.2 million for these matters. In many actions, however, it is inherently difficult to determine whether any loss is probable or even reasonably possible or to estimate the amount of loss. In addition, even where a loss is reasonably possible or an exposure to loss exists in excess of the liability already accrued, it is not always possible to reasonably estimate the size of the possible loss or range of loss. For certain legal actions, the Company cannot reasonably estimate such losses, particularly for actions that are in their early stages of development or where plaintiffs seek indeterminate damages. Numerous issues may need to be resolved, including through lengthy discovery and determination of important factual matters, and by addressing novel or unsettled legal questions relevant to the actions in question, before a loss, additional loss, range of loss, or range of additional loss can be reasonably estimated for any given action. For certain other legal actions, the Company can estimate reasonably possible losses, additional losses, ranges of loss, or ranges of additional loss in excess of amounts accrued, but the Company does not believe, based on current knowledge and after consultation with counsel, that such losses will have a material adverse effect on the consolidated financial statements. The Company expenses legal costs as they are incurred.

Subsequent Events

Subsequent Events	3 Months Ended
	Mar. 31, 2018
Subsequent Events [Abstract]
Subsequent Events	Note 10. Subsequent Events In April 2018, as a component of its strategy to manage the interest rate risk associated with future interest payments on variable-rate debt, the Company purchased two interest rate cap contracts for $0.6 million with an aggregate notional principal amount of $300.0 million. The interest rate caps have maturities of April 2020 ($100.0 million) and April 2021 ($200.0 million) with 3.25% and 3.50% strike rates, respectively, against the one-month LIBOR.

Basis of Presentation and Sig17

Basis of Presentation and Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2018
Accounting Policies [Abstract]
Basis of presentation	Basis of presentation: 10-Q SEC GAAP 10-Q 10-K
Significant accounting policies	Significant accounting policies:
Business segments	Business segments:
Principles of consolidation	Principles of consolidation: VIE
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:
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 implementation of the accounting update will have an impact on the Company’s debt covenants. The Company is working with its lenders to address any issues before implementation and continues to evaluate and quantify the potential impacts of this update on its consolidated financial statements. 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 was permitted. The Company adopted the new standard effective in 2018, and implementation of the accounting update had no impact 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 was permitted. The Company adopted the new standard effective in 2018. As a result, the Company no longer reports the changes in restricted cash as an investing activity. Instead, restricted cash is included in the beginning and ending cash balances on the consolidated statements of cash flows.

Finance Receivables, Credit Q18

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses (Tables)	3 Months Ended
	Mar. 31, 2018
Receivables [Abstract]
Summary of Finance Receivables	Finance receivables for the periods indicated consisted of the following: In thousands March 31, 2018 December 31, 2017 Small loans $ 360,470 $ 375,772 Large loans 363,931 347,218 Automobile loans 48,704 61,423 Retail loans 31,851 33,050 Finance receivables $ 804,956 $ 817,463
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: March 31, 2018 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 299,917 83.2 % $ 319,849 87.9 % $ 37,138 76.3 % $ 26,302 82.6 % $ 683,206 84.9 % 1 to 29 days past due 30,967 8.6 % 26,359 7.2 % 8,434 17.3 % 3,274 10.3 % 69,034 8.6 % Delinquent accounts 30 to 59 days 7,595 2.1 % 5,541 1.6 % 1,127 2.2 % 595 1.9 % 14,858 1.8 % 60 to 89 days 6,360 1.8 % 4,055 1.1 % 658 1.4 % 422 1.3 % 11,495 1.4 % 90 to 119 days 5,426 1.5 % 3,148 0.8 % 671 1.4 % 411 1.2 % 9,656 1.2 % 120 to 149 days 4,700 1.3 % 2,451 0.7 % 401 0.8 % 353 1.1 % 7,905 1.0 % 150 to 179 days 5,505 1.5 % 2,528 0.7 % 275 0.6 % 494 1.6 % 8,802 1.1 % Total delinquency $ 29,586 8.2 % $ 17,723 4.9 % $ 3,132 6.4 % $ 2,275 7.1 % $ 52,716 6.5 % Total finance receivables $ 360,470 100.0 % $ 363,931 100.0 % $ 48,704 100.0 % $ 31,851 100.0 % $ 804,956 100.0 % Finance receivables in nonaccrual status $ 15,631 4.3 % $ 8,127 2.2 % $ 1,347 2.8 % $ 1,258 3.9 % $ 26,363 3.3 % 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 %
Summary of Changes in Allowance for Credit Losses	Changes in the allowance for credit losses for the periods indicated are as follows: Three Months Ended March 31, In thousands 2018 2017 Balance at beginning of period $ 48,910 $ 41,250 Provision for credit losses 19,515 19,134 Credit losses (22,020 ) (20,994 ) Recoveries 1,345 1,610 Balance at end of period $ 47,750 $ 41,000
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 $ 24,749 $ 11,283 $ (13,375 ) $ 709 $ 23,366 $ 360,470 6.5 % Large loans 17,548 6,878 (6,195 ) 358 18,589 363,931 5.1 % Automobile loans 4,025 521 (1,467 ) 237 3,316 48,704 6.8 % Retail loans 2,588 833 (983 ) 41 2,479 31,851 7.8 % Total $ 48,910 $ 19,515 $ (22,020 ) $ 1,345 $ 47,750 $ 804,956 5.9 % In thousands Balance 2017 Provision Credit Losses Recoveries Balance 2017 Finance Allowance as Small loans $ 21,770 $ 11,164 $ (13,202 ) $ 843 $ 20,575 $ 335,552 6.1 % Large loans 11,460 5,602 (4,629 ) 242 12,675 242,380 5.2 % Automobile loans 5,910 1,739 (2,333 ) 459 5,775 85,869 6.7 % Retail loans 2,110 629 (830 ) 66 1,975 31,203 6.3 % Total $ 41,250 $ 19,134 $ (20,994 ) $ 1,610 $ 41,000 $ 695,004 5.9 %
Tabular Disclosure of Impaired Financing Receivables	Impaired finance receivables as a percentage of total finance receivables were 2.5% and 2.1% as of March 31, 2018 and December 31, 2017, respectively. The following is a summary of finance receivables evaluated for impairment for the periods indicated: March 31, 2018 In thousands Small Large Automobile Retail Total Impaired receivables specifically evaluated $ 6,095 $ 11,987 $ 1,600 $ 92 $ 19,774 Finance receivables evaluated collectively 354,375 351,944 47,104 31,759 785,182 Finance receivables outstanding $ 360,470 $ 363,931 $ 48,704 $ 31,851 $ 804,956 Impaired receivables in nonaccrual status $ 739 $ 1,046 $ 119 $ 13 $ 1,917 Amount of the specific reserve for impaired accounts $ 1,434 $ 2,533 $ 355 $ 18 $ 4,340 Amount of the general component of the allowance $ 21,932 $ 16,056 $ 2,961 $ 2,461 $ 43,410 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 The average recorded investment in impaired finance receivables and the amount of interest income recognized on impaired loans for the periods indicated are as follows: Three Months Ended March 31, 2018 2017 In thousands Average Interest Income Average Small loans $ 5,521 $ 324 $ 2,997 Large loans 11,142 446 7,034 Automobile loans 1,669 48 2,387 Retail loans 94 7 101 Total $ 18,426 $ 825 $ 12,519

Long-Term Debt (Tables)

Long-Term Debt (Tables)	3 Months Ended
	Mar. 31, 2018
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: March 31, 2018 December 31, 2017 In thousands Long-Term Unamortized Net Long-Term Long-Term Unamortized Net Long-Term Senior revolving credit facility $ 416,126 $ (1,977 ) $ 414,149 $ 452,050 $ (2,162 ) $ 449,888 Amortizing loan 42,615 (440 ) 42,175 53,380 (547 ) 52,833 Revolving warehouse credit facility 91,636 (2,095 ) 89,541 66,066 (2,241 ) 63,825 Total $ 550,377 $ (4,512 ) $ 545,865 $ 571,496 $ (4,950 ) $ 566,546 Unused amount of revolving credit facilities (subject to borrowing base) $ 255,238 $ 244,884
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: In thousands March 31, 2018 December 31, 2017 Assets Cash $ 70 $ 70 Finance receivables 153,747 137,239 Allowance for credit losses (7,784 ) (7,129 ) Restricted cash 12,403 10,734 Other assets 171 119 Total assets $ 158,607 $ 141,033 Liabilities Net long-term debt $ 131,716 $ 116,658 Accounts payable and accrued expenses 12 53 Total liabilities $ 131,728 $ 116,711

Disclosure About Fair Value o20

Disclosure About Fair Value of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2018
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: March 31, 2018 December 31, 2017 In thousands Carrying Estimated Carrying Estimated Assets Level 1 inputs Cash $ 3,247 $ 3,247 $ 5,230 $ 5,230 Restricted cash 19,064 19,064 16,787 16,787 Level 2 inputs Interest rate caps 219 219 98 98 Level 3 inputs Net finance receivables 757,206 757,206 768,553 768,553 Repossessed assets 302 302 431 431 Liabilities Level 3 inputs Long-term debt 550,377 550,377 571,496 571,496

Income Taxes (Tables)

Income Taxes (Tables)	3 Months Ended
	Mar. 31, 2018
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 to total income before income taxes as a result of the following: Three Months Ended March 31, 2018 2017 In thousands $ % $ % Federal tax expense at statutory rate $ 2,382 21.0 % $ 3,507 35.0 % Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 379 3.3 % 246 2.5 % Excess tax benefits from share-based awards (138 ) (1.2 )% (1,452 ) (14.5 )% Other 74 0.7 % 84 0.8 % $ 2,697 23.8 % $ 2,385 23.8 %

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2018
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings Per Share	The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated: Three Months Ended In thousands, except per share amounts 2018 2017 Numerator: Net income $ 8,644 $ 7,634 Denominator: Weighted average shares outstanding for basic earnings per share 11,618 11,494 Effect of dilutive securities 412 221 Weighted average shares adjusted for dilutive securities 12,030 11,715 Earnings per share: Basic $ 0.74 $ 0.66 Diluted $ 0.72 $ 0.65

Share-Based Compensation (Table

Share-Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Option Grant Fair Value Assumptions	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: Three Months Ended 2018 2017 Expected volatility 41.63 % 44.17 % Expected dividends 0.00 % 0.00 % Expected term (in years) 5.99 5.97 Risk-free rate 2.66 % 2.17 %
Summary of Company's Stock Option Plan Activity	The following table summarizes the stock option activity for the three months ended March 31, 2018: In thousands, except per share amounts Number of Weighted-Average Exercise Price Weighted-Average Aggregate Options outstanding at January 1, 2018 958 $ 17.39 Granted 111 28.25 Exercised (60 ) 16.82 Forfeited — — Expired — — Options outstanding at March 31, 2018 1,009 $ 18.62 7.3 $ 13,396 Options exercisable at March 31, 2018 731 $ 17.00 6.7 $ 10,901 Available for grant at March 31, 2018 1,144
Summary of Additional Stock Option Information	The following table provides additional stock option information for the periods indicated: Three Months Ended In thousands, except per share amounts 2018 2017 Weighted-average grant date fair value per share $ 12.39 $ 8.97 Intrinsic value of options exercised $ 1,030 $ 4,725 Fair value of stock options that vested $ 199 $ 302
Summary of RSU Activity	The following table summarizes RSU activity during the three months ended March 31, 2018: In thousands, except per unit amounts Units Weighted-Average Fair Value Per Unit Non-vested 201 $ 17.33 Granted 59 28.25 Vested — — Forfeited (78 ) 14.92 Non-vested 182 $ 21.89
Summary of Additional RSU Information	The following table provides additional RSU information for the periods indicated: Three Months Ended 2018 2017 Weighted-average grant date fair value per unit $ 28.25 $ 19.99
Summary of CSPU Activity	The following table summarizes CSPU activity during the three months ended March 31, 2018: In thousands, except per unit amounts Units Weighted-Average Fair Value Per Unit Non-vested 3,484 $ 1.00 Granted 1,660 1.00 Vested — — Forfeited (1,162 ) 1.00 Non-vested 3,982 $ 1.00
Summary of Restricted Stock Activity	The following table summarizes restricted stock activity during the three months ended March 31, 2018: In thousands, except per share amounts Shares Weighted-Average Fair Value Per Share Non-vested 53 $ 19.36 Granted 68 20.56 Vested (3 ) 19.83 Forfeited — — Non-vested 118 $ 20.04
Summary of Additional Restricted Stock Information	The following table provides additional restricted stock information: Three Months Ended In thousands, except per share amounts 2018 2017 Weighted-average grant date fair value per share $ 20.56 $ 16.65 Fair value of restricted stock awards that vested $ 60 $ 45

Nature of Business - Additional

Nature of Business - Additional Information (Detail)	3 Months Ended
	Mar. 31, 2018LocationBranch
Entity Location [Line Items]
Number of branches	341
Number of branches consolidated | Branch	1
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	67
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

Basis of Presentation and Sig25

Basis of Presentation and Significant Accounting Policies - Additional Information (Detail)	3 Months Ended
	Mar. 31, 2018Segment
Accounting Policies [Abstract]
Number of segment	1

Finance Receivables, Credit Q26

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Finance Receivables (Detail) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017	Mar. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 804,956	$ 817,463	$ 695,004
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	360,470	375,772	335,552
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	363,931	347,218	242,380
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	48,704	61,423	85,869
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 31,851	$ 33,050	$ 31,203

Finance Receivables, Credit Q27

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Contractual Delinquency of the Finance Receivable Portfolio by Component (Detail) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017	Mar. 31, 2017
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 52,716	$ 61,479
Past due, Percent	6.50%	7.50%
Finance receivables	$ 804,956	$ 817,463	$ 695,004
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 26,363	$ 27,454
Finance receivables in nonaccrual status, Percent	3.30%	3.40%
Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 683,206	$ 669,451
Current, Percent	84.90%	81.90%
1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 69,034	$ 86,533
Past due, Percent	8.60%	10.60%
Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 14,858	$ 18,728
Past due, Percent	1.80%	2.20%
Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 11,495	$ 15,297
Past due, Percent	1.40%	1.90%
Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 9,656	$ 11,339
Past due, Percent	1.20%	1.40%
Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 7,905	$ 8,865
Past due, Percent	1.00%	1.10%
Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 8,802	$ 7,250
Past due, Percent	1.10%	0.90%
Small Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 29,586	$ 35,246
Past due, Percent	8.20%	9.40%
Finance receivables	$ 360,470	$ 375,772	335,552
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 15,631	$ 16,753
Finance receivables in nonaccrual status, Percent	4.30%	4.50%
Small Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 299,917	$ 301,114
Current, Percent	83.20%	80.10%
Small Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 30,967	$ 39,412
Past due, Percent	8.60%	10.50%
Small Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 7,595	$ 9,738
Past due, Percent	2.10%	2.60%
Small Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 6,360	$ 8,755
Past due, Percent	1.80%	2.30%
Small Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,426	$ 6,881
Past due, Percent	1.50%	1.90%
Small Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,700	$ 5,284
Past due, Percent	1.30%	1.40%
Small Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,505	$ 4,588
Past due, Percent	1.50%	1.20%
Large Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 17,723	$ 18,540
Past due, Percent	4.90%	5.30%
Finance receivables	$ 363,931	$ 347,218	242,380
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 8,127	$ 7,834
Finance receivables in nonaccrual status, Percent	2.20%	2.30%
Large Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 319,849	$ 299,467
Current, Percent	87.90%	86.30%
Large Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 26,359	$ 29,211
Past due, Percent	7.20%	8.40%
Large Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,541	$ 5,949
Past due, Percent	1.60%	1.60%
Large Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,055	$ 4,757
Past due, Percent	1.10%	1.40%
Large Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,148	$ 3,286
Past due, Percent	0.80%	1.00%
Large Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,451	$ 2,537
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	$ 2,528	$ 2,011
Past due, Percent	0.70%	0.60%
Automobile Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,132	$ 4,896
Past due, Percent	6.40%	8.00%
Finance receivables	$ 48,704	$ 61,423	85,869
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 1,347	$ 1,688
Finance receivables in nonaccrual status, Percent	2.80%	2.70%
Automobile Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 37,138	$ 43,140
Current, Percent	76.30%	70.20%
Automobile Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 8,434	$ 13,387
Past due, Percent	17.30%	21.80%
Automobile Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,127	$ 2,162
Past due, Percent	2.20%	3.60%
Automobile Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 658	$ 1,046
Past due, Percent	1.40%	1.70%
Automobile Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 671	$ 701
Past due, Percent	1.40%	1.10%
Automobile Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 401	$ 636
Past due, Percent	0.80%	1.00%
Automobile Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 275	$ 351
Past due, Percent	0.60%	0.60%
Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,275	$ 2,797
Past due, Percent	7.10%	8.50%
Finance receivables	$ 31,851	$ 33,050	$ 31,203
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 1,258	$ 1,179
Finance receivables in nonaccrual status, Percent	3.90%	3.60%
Retail Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 26,302	$ 25,730
Current, Percent	82.60%	77.80%
Retail Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,274	$ 4,523
Past due, Percent	10.30%	13.70%
Retail Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 595	$ 879
Past due, Percent	1.90%	2.70%
Retail Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 422	$ 739
Past due, Percent	1.30%	2.20%
Retail Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 411	$ 471
Past due, Percent	1.20%	1.50%
Retail Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 353	$ 408
Past due, Percent	1.10%	1.20%
Retail Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 494	$ 300
Past due, Percent	1.60%	0.90%

Finance Receivables, Credit Q28

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Changes in Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Receivables [Abstract]
Balance at beginning of period	$ 48,910	$ 41,250
Provision for credit losses	19,515	19,134
Credit losses	(22,020)	(20,994)
Recoveries	1,345	1,610
Balance at end of period	$ 47,750	$ 41,000

Finance Receivables, Credit Q29

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Additional Information (Detail) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended		12 Months Ended
	Sep. 30, 2017	Mar. 31, 2018	Mar. 31, 2017	Dec. 31, 2017	Dec. 31, 2016
Financing Receivable, Allowance for Credit Losses [Line Items]
Increase (decrease) in provision for credit losses		$ 19,515	$ 19,134
Allowance for credit losses		$ 47,750	$ 41,000	$ 48,910	$ 41,250
Impaired finance receivables as a percentage of total finance receivables		2.50%		2.10%
Hurricanes [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Increase (decrease) in provision for credit losses	$ 3,000
Allowance for credit losses		$ 1,800

Finance Receivables, Credit Q30

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Reconciliation of Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 48,910	$ 41,250
Provision	19,515	19,134
Credit losses	(22,020)	(20,994)
Recoveries	1,345	1,610
Balance at end of period	47,750	41,000
Finance receivables	$ 804,956	$ 695,004	$ 817,463
Allowance as Percentage of Finance Receivables	5.90%	5.90%
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 24,749	$ 21,770
Provision	11,283	11,164
Credit losses	(13,375)	(13,202)
Recoveries	709	843
Balance at end of period	23,366	20,575
Finance receivables	$ 360,470	$ 335,552	375,772
Allowance as Percentage of Finance Receivables	6.50%	6.10%
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 17,548	$ 11,460
Provision	6,878	5,602
Credit losses	(6,195)	(4,629)
Recoveries	358	242
Balance at end of period	18,589	12,675
Finance receivables	$ 363,931	$ 242,380	347,218
Allowance as Percentage of Finance Receivables	5.10%	5.20%
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 4,025	$ 5,910
Provision	521	1,739
Credit losses	(1,467)	(2,333)
Recoveries	237	459
Balance at end of period	3,316	5,775
Finance receivables	$ 48,704	$ 85,869	61,423
Allowance as Percentage of Finance Receivables	6.80%	6.70%
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 2,588	$ 2,110
Provision	833	629
Credit losses	(983)	(830)
Recoveries	41	66
Balance at end of period	2,479	1,975
Finance receivables	$ 31,851	$ 31,203	$ 33,050
Allowance as Percentage of Finance Receivables	7.80%	6.30%

Finance Receivables, Credit Q31

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Tabular Disclosure of Impaired Financing Receivables (Detail) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017	Mar. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	$ 19,774	$ 17,230
Finance receivables evaluated collectively	785,182	800,233
Finance receivables	804,956	817,463	$ 695,004
Impaired receivables in nonaccrual status	1,917	1,798
Amount of the specific reserve for impaired accounts	4,340	3,766
Amount of the general component of the allowance	43,410	45,144
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	6,095	5,094
Finance receivables evaluated collectively	354,375	370,678
Finance receivables	360,470	375,772	335,552
Impaired receivables in nonaccrual status	739	707
Amount of the specific reserve for impaired accounts	1,434	1,190
Amount of the general component of the allowance	21,932	23,559
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	11,987	10,303
Finance receivables evaluated collectively	351,944	336,915
Finance receivables	363,931	347,218	242,380
Impaired receivables in nonaccrual status	1,046	931
Amount of the specific reserve for impaired accounts	2,533	2,183
Amount of the general component of the allowance	16,056	15,365
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	1,600	1,724
Finance receivables evaluated collectively	47,104	59,699
Finance receivables	48,704	61,423	85,869
Impaired receivables in nonaccrual status	119	129
Amount of the specific reserve for impaired accounts	355	373
Amount of the general component of the allowance	2,961	3,652
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	92	109
Finance receivables evaluated collectively	31,759	32,941
Finance receivables	31,851	33,050	$ 31,203
Impaired receivables in nonaccrual status	13	31
Amount of the specific reserve for impaired accounts	18	20
Amount of the general component of the allowance	$ 2,461	$ 2,568

Finance Receivables, Credit Q32

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Schedule of Average Recorded Investment in Impaired Finance Receivables (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	$ 18,426	$ 12,519
Interest Income Recognized	825
Small Loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	5,521	2,997
Interest Income Recognized	324
Large Loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	11,142	7,034
Interest Income Recognized	446
Automobile Loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	1,669	2,387
Interest Income Recognized	48
Retail Loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	94	$ 101
Interest Income Recognized	$ 7

Long-Term Debt - Summary of the

Long-Term Debt - Summary of the Company's Long-Term Debt (Detail) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Debt Instrument [Line Items]
Long-term debt	$ 550,377	$ 571,496
Unamortized debt issuance costs	(4,512)	(4,950)
Net long-term debt	545,865	566,546
Unused amount of revolving credit facilities (subject to borrowing base)	255,238	244,884
Senior Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Long-term debt	416,126	452,050
Unamortized debt issuance costs	(1,977)	(2,162)
Net long-term debt	414,149	449,888
Amortizing Loan [Member]
Debt Instrument [Line Items]
Long-term debt	42,615	53,380
Unamortized debt issuance costs	(440)	(547)
Net long-term debt	42,175	52,833
Revolving Warehouse Credit Facility [Member]
Debt Instrument [Line Items]
Long-term debt	91,636	66,066
Unamortized debt issuance costs	(2,095)	(2,241)
Net long-term debt	$ 89,541	$ 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	Mar. 31, 2018	Dec. 31, 2017	Mar. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account						$ 19,064,000	$ 16,787,000	$ 8,889,000	$ 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 2.31% and 1.69% at March 31, 2018 and December 31, 2017, respectively.
Percentage of advances on debt agreement eligible secured finance receivables						80.00%
Cash deposited to restricted cash reserve account						$ 1,100,000
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						$ 12,403,000	10,734,000
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						81.00%
Current percentage of advances on eligible unsecured finance receivables						66.00%
Credit facility, eligible borrowing capacity						$ 56,300,000
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						10,000,000	$ 8,600,000
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			85.00%	88.00%
Cash deposited to restricted cash reserve account						$ 1,300,000
Credit agreement, Interest rate			3.25%	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.
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] | Revolving Warehouse Credit Facility [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread						3.50%
Interest rate						0.00%
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	3.00%	3.25%
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						1.88%	1.56%
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						4.75%	4.50%

Long-Term Debt - Schedule of Ca

Long-Term Debt - Schedule of Carrying Amounts of Consolidated VIE's Assets and Liabilities (Detail) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017	Mar. 31, 2017	Dec. 31, 2016
Assets
Cash	$ 3,247	$ 5,230	$ 3,505	$ 4,446
Finance receivables	804,956	817,463	695,004
Allowance for credit losses	(47,750)	(48,910)	(41,000)	(41,250)
Restricted cash	19,064	16,787	$ 8,889	$ 8,297
Other assets	12,156	16,012
Total assets	814,809	829,483
Liabilities
Net long-term debt	545,865	566,546
Accounts payable and accrued expenses	15,994	18,565
Total liabilities	565,858	590,072
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	70	70
Finance receivables	153,747	137,239
Allowance for credit losses	(7,784)	(7,129)
Restricted cash	12,403	10,734
Other assets	171	119
Total assets	158,607	141,033
Liabilities
Net long-term debt	131,716	116,658
Accounts payable and accrued expenses	12	53
Total liabilities	$ 131,728	$ 116,711

Disclosure About Fair Value o36

Disclosure About Fair Value of Financial Instruments - Additional Information (Detail)	3 Months Ended
	Mar. 31, 2018
Fair Value Disclosures [Abstract]
Turnover rate of loan portfolio	1.3

Disclosure About Fair Value o37

Disclosure About Fair Value of Financial Instruments - Carrying Amount and Estimated Fair Values of Company's Financial Instruments (Detail) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Assets
Net finance receivables	$ 757,206	$ 768,553
Carrying Amount [Member] | Level 1 Inputs [Member]
Assets
Cash	3,247	5,230
Restricted cash	19,064	16,787
Carrying Amount [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	219	98
Carrying Amount [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	757,206	768,553
Repossessed assets	302	431
Liabilities
Long-term debt	550,377	571,496
Estimated Fair Value [Member] | Level 1 Inputs [Member]
Assets
Cash	3,247	5,230
Restricted cash	19,064	16,787
Estimated Fair Value [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	219	98
Estimated Fair Value [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	757,206	768,553
Repossessed assets	302	431
Liabilities
Long-term debt	$ 550,377	$ 571,496

Income Taxes - Schedule of Effe

Income Taxes - Schedule of Effective Income Tax Reconciliation (Detail) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Federal tax expense at statutory rate	21.00%	35.00%	35.00%
Increase (reduction) in income taxes resulting from:
State tax, net of federal benefit	3.30%	2.50%
Excess tax benefits from share-based awards	(1.20%)	(14.50%)
Other	0.70%	0.80%
Effective tax rate	23.80%	23.80%
Federal tax expense at statutory rate	$ 2,382	$ 3,507
Increase (reduction) in income taxes resulting from:
State tax, net of federal benefit	379	246
Excess tax benefits from share-based awards	(138)	(1,452)
Other	74	84
Total	$ 2,697	$ 2,385

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail)	3 Months Ended		12 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Federal income tax rate	21.00%	35.00%	35.00%
Income tax rate	(14.00%)
Effective tax rate	23.80%	23.80%

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
	Mar. 31, 2018	Mar. 31, 2017	Dec. 31, 2017
Numerator:
Net income	$ 8,644	$ 7,634	$ 29,963
Denominator:
Weighted average shares outstanding for basic earnings per share	11,618	11,494
Effect of dilutive securities	412	221
Weighted average shares adjusted for dilutive securities	12,030	11,715
Basic	$ 0.74	$ 0.66
Diluted	$ 0.72	$ 0.65

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Stock Compensation Plans [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase common stock, Shares	138,000	231,000

Share-based Compensation - Addi

Share-based Compensation - Additional Information (Detail) - USD ($) $ in Millions	3 Months Ended		12 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Dec. 31, 2016	Apr. 22, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant	1,144,000
Exercise period of options	10 years
2015 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant	1,100,000
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] | 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	$ 9.8
Period of recognition of share-based compensation expense	2 years 2 months 12 days
Share-based compensation expense	$ 1.6	$ 0.8
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)	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Expected volatility	41.63%	44.17%
Expected dividends	0.00%	0.00%
Expected term (in years)	5 years 11 months 26 days	5 years 11 months 19 days
Risk-free rate	2.66%	2.17%

Share-based Compensation - Summ

Share-based Compensation - Summary of Company's Stock Option Plan Activity (Detail) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2018USD ($)$ / sharesshares
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Number of Shares, Options outstanding, Beginning balance	958
Number of Shares, Granted	111
Number of Shares, Exercised	(60)
Number of Shares, Forfeited	0
Number of Shares, Expired	0
Number of Shares, Options outstanding, Ending balance	1,009
Number of Shares, Options exercisable	731
Number of Shares, Available for grant	1,144
Weighted Average Exercise Price Per Share, Options outstanding, Beginning balance | $ / shares	$ 17.39
Weighted Average Exercise Price Per Share, Granted | $ / shares	28.25
Weighted Average Exercise Price Per Share, Exercised | $ / shares	16.82
Weighted Average Exercise Price Per Share, Forfeited | $ / shares	0
Weighted Average Exercise Price Per Share, Expired | $ / shares	0
Weighted Average Exercise Price Per Share, Options outstanding, Ending balance | $ / shares	18.62
Weighted Average Exercise Price Per Share, Options exercisable | $ / shares	$ 17
Weighted Average Remaining Contractual Life (Years), Options outstanding	7 years 3 months 19 days
Weighted Average Remaining Contractual Life (Years), Options exercisable	6 years 8 months 12 days
Aggregate Intrinsic Value, Options outstanding | $	$ 13,396
Aggregate Intrinsic Value, Options exercisable | $	$ 10,901

Share-based Compensation - Su45

Share-based Compensation - Summary of Additional Stock Option Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Weighted-average grant date fair value per share	$ 12.39	$ 8.97
Intrinsic value of options exercised	$ 1,030	$ 4,725
Fair value of stock options that vested	$ 199	$ 302

Share-based Compensation - Su46

Share-based Compensation - Summary of RSU Activity (Detail) - Restricted Stock Units (RSUs) [Member] - $ / shares shares in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested, January 1, 2018	201
Granted	59
Vested	0
Forfeited	(78)
Non-vested, at March 31, 2018	182
Weighted Average Grant Date Fair Value, Non-vested, January 1, 2018	$ 17.33
Weighted Average Grant Date Fair Value, Granted	28.25	$ 19.99
Weighted Average Grant Date Fair Value, Vested	0
Weighted Average Grant Date Fair Value, Forfeited	14.92
Weighted Average Grant Date Fair Value, Non-vested, at March 31, 2018	$ 21.89

Share-based Compensation - Su47

Share-based Compensation - Summary of Additional RSU Information (Detail) - $ / shares	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per unit	$ 28.25	$ 19.99

Share-based Compensation - Su48

Share-based Compensation - Summary of CSPU Activity (Detail) - Performance Units [Member] shares in Thousands	3 Months Ended
	Mar. 31, 2018$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested, January 1, 2018 | shares	3,484
Granted | shares	1,660
Vested | shares	0
Forfeited | shares	(1,162)
Non-vested, at March 31, 2018 | shares	3,982
Weighted Average Grant Date Fair Value, Non-vested, January 1, 2018 | $ / 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 March 31, 2018 | $ / shares	$ 1

Share-based Compensation - Su49

Share-based Compensation - Summary of Restricted Stock Activity (Detail) - Restricted Stock [Member] - $ / shares shares in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested, January 1, 2018	53
Granted	68
Vested	(3)
Forfeited	0
Non-vested, at March 31, 2018	118
Weighted Average Grant Date Fair Value, Non-vested, January 1, 2018	$ 19.36
Weighted Average Grant Date Fair Value, Granted	20.56	$ 16.65
Weighted Average Grant Date Fair Value, Vested	19.83
Weighted Average Grant Date Fair Value, Forfeited	0
Weighted Average Grant Date Fair Value, Non-vested, at March 31, 2018	$ 20.04

Share-based Compensation - Su50

Share-based Compensation - Summary of Additional Restricted Stock Information (Detail) - Restricted Stock [Member] - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per share	$ 20.56	$ 16.65
Fair value of restricted stock awards that vested	$ 60	$ 45

Commitments and Contingencies -

Commitments and Contingencies - Additional Information (Detail) $ in Millions	Mar. 31, 2018USD ($)
Commitments and Contingencies Disclosure [Abstract]
Loss contingency accrual	$ 0.2

Subsequent Events - Additional

Subsequent Events - Additional Information (Detail) - Subsequent Event [Member] $ in Millions	1 Months Ended
	Apr. 30, 2018USD ($)Cap
Subsequent Event [Line Items]
Number of interest rate cap | Cap	2
Notional amount of interest rate cap	$ 300
Interest Rate Caps [Member]
Subsequent Event [Line Items]
Interest rate cap contracts	0.6
3.25% Interest Rate Cap Contract [Member]
Subsequent Event [Line Items]
Notional amount of interest rate cap	$ 100
Maturity period of interest rate caps exchanged	Apr. 30, 2020
3.25% Interest Rate Cap Contract [Member] | London Interbank Offered Rate (LIBOR) [Member]
Subsequent Event [Line Items]
Strike rate	3.25%
3.50% Interest Rate Cap Contract [Member]
Subsequent Event [Line Items]
Notional amount of interest rate cap	$ 200
Maturity period of interest rate caps exchanged	Apr. 30, 2021
3.50% Interest Rate Cap Contract [Member] | London Interbank Offered Rate (LIBOR) [Member]
Subsequent Event [Line Items]
Strike rate	3.50%