Regional Management (RM) 10-K 8 Mar 19 2018 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2018	Mar. 07, 2019	Jun. 29, 2018
Document And Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2018
Document Fiscal Year Focus	2,018
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 Smaller Reporting Company	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		11,828,806
Entity Public Float			$ 345,188,148

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Assets
Cash	$ 3,657	$ 5,230
Gross finance receivables	1,237,526	1,066,650
Unearned finance charges and insurance premiums	(305,283)	(249,187)
Finance receivables	932,243	817,463
Allowance for credit losses	(58,300)	(48,910)
Net finance receivables	873,943	768,553
Restricted cash	46,484	16,787
Property and equipment	13,926	12,294
Intangible assets	10,010	10,607
Other assets	8,375	16,012
Total assets	956,395	829,483
Liabilities
Long-term debt	660,507	571,496
Unamortized debt issuance costs	(9,158)	(4,950)
Net long-term debt	651,349	566,546
Accounts payable and accrued expenses	25,138	18,565
Deferred tax liability	747	4,961
Total liabilities	677,234	590,072
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, 13,323 shares issued and 11,777 shares outstanding at December 31, 2018 and 13,205 shares issued and 11,659 shares outstanding at December 31, 2017)	1,332	1,321
Additional paid-in-capital	98,778	94,384
Retained earnings	204,097	168,752
Treasury stock (1,546 shares at December 31, 2018 and 2017)	(25,046)	(25,046)
Total stockholders' equity	279,161	239,411
Total liabilities and stockholders' equity	956,395	829,483
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	168	70
Finance receivables	342,481	137,239
Allowance for credit losses	(18,378)	(7,129)
Restricted cash	39,361	10,734
Other assets	75	119
Total assets	363,707	141,033
Liabilities
Net long-term debt	324,879	116,658
Accounts payable and accrued expenses	25	53
Total liabilities	$ 324,904	$ 116,711

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 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	13,323,000	13,205,000
Common stock, shares outstanding	11,777,000	11,659,000
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, 2018	Dec. 31, 2017	Dec. 31, 2016
Revenue
Interest and fee income	$ 280,121	$ 249,034	$ 220,963
Insurance income, net	14,793	13,061	9,456
Other income	11,792	10,364	10,099
Total revenue	306,706	272,459	240,518
Expenses
Provision for credit losses	87,056	77,339	63,014
Personnel	84,068	75,992	68,979
Occupancy	22,519	21,530	20,059
Marketing	7,745	7,128	6,837
Other	25,952	26,305	22,757
Total general and administrative expenses	140,284	130,955	118,632
Interest expense	33,464	23,908	19,924
Income before income taxes	45,902	40,257	38,948
Income taxes	10,557	10,294	14,917
Net income	$ 35,345	$ 29,963	$ 24,031
Net income per common share:
Basic	$ 3.03	$ 2.59	$ 2.03
Diluted	$ 2.93	$ 2.54	$ 1.99
Weighted-average common shares outstanding:
Basic	11,655	11,551	11,824
Diluted	12,078	11,783	12,085

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, 2015	$ 205,227	$ 1,291	$ 89,178	$ 114,758
Beginning 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 deficiency from stock option exercises	(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
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		$ 10	(10)
Issuance of restricted stock awards, shares		101
Exercise of stock options	$ 8	$ 8
Exercise of stock options, shares	89	89
Shares withheld related to net share settlement	$ (865)	$ (7)	(858)
Shares withheld related to net share settlement, shares		(72)
Share-based compensation	5,262		5,262
Net income	35,345			35,345
Ending Balance at Dec. 31, 2018	$ 279,161	$ 1,332	$ 98,778	$ 204,097	$ (25,046)
Ending Balance, shares at Dec. 31, 2018		13,323

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Cash flows from operating activities:
Net income	$ 35,345	$ 29,963	$ 24,031
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	87,056	77,339	63,014
Depreciation and amortization	8,803	7,357	6,444
Loss on disposal of property and equipment	24	245	3
Share-based compensation	6,911	4,346	4,158
Fair value adjustment on interest rate caps	330	64	170
Deferred income taxes, net	(4,214)	4,994	1,902
Changes in operating assets and liabilities:
(Increase) decrease in other assets	7,306	(11,294)	(1,739)
Increase in accounts payable and accrued expenses	4,724	2,419	2,255
Net cash provided by operating activities	146,285	115,433	100,238
Cash flows from investing activities:
Net originations of finance receivables	(192,446)	(169,366)	(148,548)
Purchases of intangible assets	(1,446)	(6,355)	(5,302)
Purchases of property and equipment	(5,352)	(4,765)	(6,433)
Proceeds from disposal of property and equipment		558	721
Net cash used in investing activities	(199,244)	(179,928)	(159,562)
Cash flows from financing activities:
Net advances (payments) on senior revolving credit facility	(123,977)	(799)	114,567
Net proceeds from (payments on) amortizing loan	(31,738)	14,551	(34,067)
Net advances (payments) on revolving warehouse credit facility	(35,940)	66,066
Net advances on securitizations	280,665
Payments for debt issuance costs	(7,235)	(4,547)	(1,060)
Taxes paid related to net share settlement of equity awards	(692)	(1,809)	(487)
Proceeds from exercise of stock options		307
Repurchases of common stock			(25,046)
Net cash provided by financing activities	81,083	73,769	53,907
Net change in cash and restricted cash	28,124	9,274	(5,417)
Cash and restricted cash at beginning of period	22,017	12,743	18,160
Cash and restricted cash at end of period	50,141	22,017	12,743
Supplemental cash flow information:
Interest paid	30,127	20,460	17,590
Income taxes paid	$ 3,600	$ 15,681	$ 12,585

Consolidated Statements of Ca_2

Consolidated Statements of Cash Flows (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Statement of Cash Flows [Abstract]
Cash	$ 3,657	$ 5,230	$ 4,446	$ 7,654
Restricted cash	46,484	16,787	8,297	10,506
Total cash and restricted cash	$ 50,141	$ 22,017	$ 12,743	$ 18,160

Nature of Business

Nature of Business	12 Months Ended
	Dec. 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,

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2018
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: SPE The SPEs’ debt arrangements are structured to provide enhancements to the lenders and investors in the form of overcollateralization (the principal balance of the collateral exceeds the balance of the debt) and reserve funds (restricted cash held by the SPEs). These enhancements, along with the isolated finance receivables pools, increase the creditworthiness of the SPEs above that of the Company as a whole. This increases the marketability of the Company’s collateral for borrowing purposes, leading to more favorable borrowing terms, improved interest rate risk management, and additional flexibility to grow the business. The SPEs are considered VIEs under GAAP and are consolidated into the financial statements of their primary beneficiary. The Company is considered to be the primary beneficiary of the SPEs because it has (i) power over the significant activities through its role as servicer of the finance receivables under each debt arrangement 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 the SPEs after each debt is paid. Consolidation of VIEs results in these transactions being accounted for as secured borrowings; therefore, the pooled receivables and the related debts remain on the consolidated balance sheet of the Company. Each debt is secured solely by the assets of the VIEs and not by any other assets of the Company. The assets of the VIEs are the only source of funds for repayment on each debt, and restricted cash held by the VIEs can only be used to support payments on the debt. The Company recognizes revenue and provision for credit losses on the finance receivables of the VIEs and interest expense on the related secured debt. Use of estimates: 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 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 surrendering the vehicle, 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, credit property insurance, and automobile insurance using the sum-of-the-years’ sum-of-the-years’ non-file sum-of-the-years’ The Company deferred 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, 2018, 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 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: 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: (i) all leases to be recognized on the balance sheet as right-of-use right-of-use right-of-use As a result of the adoption of the new lease standard on January 1, 2019, the Company expects to record $24.4 million for both operating lease liabilities and corresponding right-of-use 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. In August 2018, the FASB issued an accounting update to provide additional guidance on the accounting for costs of implementation activities performed in a cloud computing arrangement that is a service contract. The amendments align the capitalization requirements for hosting arrangements that are service contracts with the capitalization principles for internal-use

Concentrations of Credit Risk

Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2018
Risks and Uncertainties [Abstract]
Concentrations of Credit Risk	Note 3. Concentrations of Credit Risk The Company’s portfolio of finance receivables is primarily with customers living in five Southeastern states (Alabama, Georgia, North Carolina, South Carolina, and Tennessee), three Southwestern states (Oklahoma, New Mexico, and Texas), 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, 2018
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 2018 2017 Small loans $ 437,662 $ 375,772 Large loans 437,998 347,218 Automobile loans 26,154 61,423 Retail loans 30,429 33,050 Finance receivables $ 932,243 $ 817,463 The contractual delinquency of the finance receivable portfolio by product and aging for the periods indicated are as follows: December 31, 2018 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 347,053 79.3 % $ 365,950 83.6 % $ 17,767 67.9 % $ 23,392 76.9 % $ 754,162 80.9 % 1 to 29 days past due 49,946 11.4 % 45,234 10.3 % 6,304 24.1 % 4,436 14.6 % 105,920 11.4 % Delinquent accounts 30 to 59 days 12,168 2.8 % 8,768 2.0 % 751 2.9 % 842 2.7 % 22,529 2.3 % 60 to 89 days 9,555 2.2 % 6,779 1.5 % 421 1.6 % 627 2.1 % 17,382 1.9 % 90 to 119 days 7,202 1.6 % 4,407 1.0 % 241 0.9 % 429 1.4 % 12,279 1.3 % 120 to 149 days 6,266 1.4 % 3,823 0.9 % 434 1.7 % 367 1.2 % 10,890 1.2 % 150 to 179 days 5,472 1.3 % 3,037 0.7 % 236 0.9 % 336 1.1 % 9,081 1.0 % Total delinquency $ 40,663 9.3 % $ 26,814 6.1 % $ 2,083 8.0 % $ 2,601 8.5 % $ 72,161 7.7 % Total finance receivables $ 437,662 100.0 % $ 437,998 100.0 % $ 26,154 100.0 % $ 30,429 100.0 % $ 932,243 100.0 % Finance receivables in nonaccrual status $ 22,549 5.2 % $ 14,379 3.3 % $ 1,359 5.2 % $ 1,276 4.2 % $ 39,563 4.2 % 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 $ 19,634 5.2 % $ 9,753 2.8 % $ 2,461 4.0 % $ 1,339 4.1 % $ 33,187 4.1 % 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 2018 2017 2016 Balance at beginning of period $ 48,910 $ 41,250 $ 37,452 Provision for credit losses 87,056 77,339 63,014 Credit losses (82,341 ) (75,880 ) (64,064 ) Recoveries 4,675 6,201 4,848 Balance at end of period $ 58,300 $ 48,910 $ 41,250 In the third quarter of 2018, three changes occurred that impacted the Company’s estimate of the allowance for credit losses. The changes collectively increased the allowance for credit losses as of September 30, 2018 and the provision for credit losses for the three months ended September 30, 2018, which decreased net income by $0.2 million, or $0.01 diluted earnings per share. The three changes are described in more detail in the paragraphs below. Certain of the Company’s loan origination fees are non-refundable, non-refundable (non-refundable non-refundable non-refundable non-refundable non-refundable non-refundable In September 2018, the Company updated modeling assumptions used in estimating the specific component of the allowance for credit losses related to impaired finance receivables. The Company obtained additional performance data on finance receivables that had been modified under Company loss mitigation policies. Loss mitigation policies were formalized during 2016, and the impacted finance receivables now have more seasoning and predictable performance data. As a result of this change in estimate, the Company increased the allowance for credit losses as of September 30, 2018 and the provision for credit losses for the three months ended September 30, 2018 by $2.8 million, which decreased net income by $2.1 million, or $0.17 diluted earnings per share. Apart from the various optional payment and collateral protection insurance products that the Company offers to customers on certain loans, the Company also collects a fee from customers and, in turn, purchases non-file Non-file non-file non-file Separate from the changes noted above, in September 2018, the Company recorded a $3.9 million increase to the allowance for credit losses related to estimated incremental credit losses on customer accounts impacted by a hurricane in the third quarter of 2018. The incremental hurricane allowance resulted in a decrease to net income of $2.9 million, or $0.24 diluted earnings per share, for the three months ended September 30, 2018. 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. 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 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 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. During 2018, the loss emergence period for each finance receivable type changed as follows: small loan finance receivables increased from seven to eight months; large loan finance receivables decreased from ten to eight months; automobile loan finance receivables decreased from twelve to nine months; and retail loan finance receivables decreased from eleven to eight months. These net changes in the loss emergence periods decreased the Company’s allowance for credit losses by $0.2 million, which increased net income for the year ended December 31, 2018 by $0.2 million, or $0.01 diluted earnings per share. The Company sells previously 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 $ 24,749 $ 51,859 $ (48,333 ) $ 2,484 $ 30,759 $ 437,662 7.0 % Large loans 17,548 31,103 (26,337 ) 1,388 23,702 437,998 5.4 % Automobile loans 4,025 1,300 (4,085 ) 653 1,893 26,154 7.2 % Retail loans 2,588 2,794 (3,586 ) 150 1,946 30,429 6.4 % Total $ 48,910 $ 87,056 $ (82,341 ) $ 4,675 $ 58,300 $ 932,243 6.3 % 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 % Impaired finance receivables as a percentage of total finance receivables were 2.9% and 2.1% for the years ended December 31, 2018 and 2017, respectively. The following is a summary of finance receivables evaluated for impairment for the periods indicated: December 31, 2018 In thousands Small Large Automobile Retail Total Impaired receivables specifically evaluated $ 8,361 $ 17,196 $ 918 $ 110 $ 26,585 Finance receivables evaluated collectively 429,301 420,802 25,236 30,319 905,658 Finance receivables outstanding $ 437,662 $ 437,998 $ 26,154 $ 30,429 $ 932,243 Impaired receivables in nonaccrual status $ 1,209 $ 2,292 $ 178 $ 37 $ 3,716 Amount of the specific reserve for impaired accounts $ 3,791 $ 6,860 $ 492 $ 61 $ 11,204 Amount of the general component of the allowance $ 26,968 $ 16,842 $ 1,401 $ 1,885 $ 47,096 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: Year Ended December 31, 2018 2017 (1) In thousands Average Interest Income Average Small loans $ 6,577 $ 1,066 $ 3,946 Large loans 13,221 1,639 8,205 Automobile loans 1,381 60 2,062 Retail loans 109 6 107 Total $ 21,288 $ 2,771 $ 14,320 (1) It was not practical to compute the amount of interest income recognized on impaired loans prior to fiscal year 2018.

Property and Equipment

Property and Equipment	12 Months Ended
	Dec. 31, 2018
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 2018 2017 Furniture, fixtures, and equipment $ 23,131 $ 20,471 Leasehold improvements 10,578 8,671 Property and equipment cost 33,709 29,142 Less accumulated depreciation 19,783 16,848 Property and equipment, net of accumulated depreciation $ 13,926 $ 12,294 Depreciation expense for the years ended December 31, 2018, 2017, and 2016 totaled $3.7 million, $3.4 million, and $3.1 million, respectively.

Leases

Leases	12 Months Ended
	Dec. 31, 2018
Leases [Abstract]
Leases	Note 6. Leases The Company maintains lease agreements related to its branch network and for its corporate headquarters. The branch agreements range from five to seven years and generally contain options to extend from three to five years. The branch and the headquarters lease agreements are considered operating leases. Future minimum rent commitments under non-cancellable In thousands Amount 2019 $ 6,814 2020 6,074 2021 4,788 2022 3,617 2023 3,084 Thereafter 5,322 Total $ 29,699 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, 2018, 2017, and 2016 equaled $8.1 million, $7.7 million, and $7.0 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. In January 2019, the Company adopted a new lease accounting standard. See Note 2, “Significant Accounting Policies,” for an overview of the impact this standard is expected to have in 2019.

Intangible Assets

Intangible Assets	12 Months Ended
	Dec. 31, 2018
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, 2018 December 31, 2017 In thousands Gross Carrying Accumulated Net Amount Gross Carrying Accumulated Net Amount Software $ 13,811 $ (4,517 ) $ 9,294 $ 13,396 $ (3,550 ) $ 9,846 Customer list 2,485 (2,485 ) — 2,485 (2,440 ) 45 Goodwill 950 (234 ) 716 950 (234 ) 716 Total intangible assets $ 17,246 $ (7,236 ) $ 10,010 $ 16,831 $ (6,224 ) $ 10,607 Intangible amortization expense for the years ended December 31, 2018, 2017, and 2016 totaled $2.0 million, $2.2 million, and $1.9 million, respectively. The following table sets forth the future amortization of intangible assets: In thousands Amount 2019 $ 1,976 2020 1,776 2021 1,638 2022 1,621 2023 1,403 Thereafter 880 Total $ 9,294 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, 2018 and 2017, respectively.

Other Assets

Other Assets	12 Months Ended
	Dec. 31, 2018
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 2018 2017 Prepaid expenses $ 4,167 $ 2,806 Card payments receivable 2,292 2,005 Credit insurance receivable 1,027 1,024 Repossessed assets 124 431 Income tax receivable — 9,474 Other 765 272 Total $ 8,375 $ 16,012 The 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, 2018
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Interest Rate Caps	Note 9. Interest Rate Caps The Company has interest rate cap contracts with an aggregate notional principal amount of $400.0 million. Each contract contains a strike rate against the one-month one-month one-month December 31, In thousands 2018 2017 2016 Balance at beginning of period $ 98 $ 62 $ 120 Purchases 481 100 112 Fair value adjustment included as an increase in interest expense (330 ) (64 ) (170 ) Balance at end of period, included in other assets $ 249 $ 98 $ 62

Long-Term Debt

Long-Term Debt	12 Months Ended
	Dec. 31, 2018
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, 2018 December 31, 2017 In thousands Long-Term Unamortized Net Long-Term Long-Term Unamortized Net Long-Term Senior revolving credit facility $ 328,074 $ (1,604 ) $ 326,470 $ 452,050 $ (2,162 ) $ 449,888 Amortizing loan 21,642 (201 ) 21,441 53,380 (547 ) 52,833 Revolving warehouse credit facility 30,126 (1,899 ) 28,227 66,066 (2,241 ) 63,825 RMIT 2018-1 150,246 (2,849 ) 147,397 — — — RMIT 2018-2 130,419 (2,605 ) 127,814 — — — Total $ 660,507 $ (9,158 ) $ 651,349 $ 571,496 $ (4,950 ) $ 566,546 Unused amount of revolving credit facilities (subject to borrowing base) $ 406,600 $ 244,884 Senior Revolving Credit Facility: one-month Variable Interest Entity Debt: These long-term debts are supported by the expected cash flows from the underlying collateralized finance receivables. Collections on these finance receivables are remitted to restricted cash collection accounts, which totaled $33.5 million and $8.6 million as of December 31, 2018 and 2017, respectively. Cash inflows from the finance receivables are distributed to the lenders/investors, the service providers, and/or the residual interest that the Company owns in accordance with a monthly contractual priority of payments. The SPEs pay a servicing fee to the Company, which is eliminated in consolidation. Distributions from the SPEs to the Company are permitted under the debt arrangements. At each sale of receivables from the Company’s affiliates to the SPEs, the Company makes certain representations and warranties about the quality and nature of the collateralized receivables. The debt arrangements require the Company to repurchase the receivables in certain circumstances, including circumstances in which the representations and warranties made by the Company concerning the quality and characteristics of the receivables are inaccurate. Assets transferred to each SPE are legally isolated from the Company and its affiliates, as well as the claims of the Company’s and its affiliates’ creditors. Further, the assets of each SPE are owned by such SPE and are not available to satisfy the debts or other obligations of the Company or any of its affiliates. Amortizing Loan: RMR I Revolving Warehouse Credit Facility: RMR II RMIT 2018-1 RMR III 2018-1 RMIT 2018-1 2018-1. 2018-1. 2018-1 2018-1 RMIT 2018-2 2018-2 RMIT 2018-2 2018-2. 2018-2. 2018-2 2018-2 The carrying amounts of consolidated VIE assets and liabilities are as follows: December 31, In thousands 2018 2017 Assets Cash $ 168 $ 70 Finance receivables 342,481 137,239 Allowance for credit losses (18,378 ) (7,129 ) Restricted cash 39,361 10,734 Other assets 75 119 Total assets $ 363,707 $ 141,033 Liabilities Net long-term debt $ 324,879 $ 116,658 Accounts payable and accrued expenses 25 53 Total liabilities $ 324,904 $ 116,711 The Company’s debt arrangements are subject to certain covenants, including monthly and annual reporting, maintenance of specified interest coverage and debt ratios, restrictions on distributions, limitations on other indebtedness, maintenance of a minimum allowance for credit losses, and certain other restrictions. At December 31, 2018, the Company was in compliance with all debt covenants. The following is a summary of estimated principal payments required on outstanding debt during each of the next five years: In thousands Amount 2019 $ 13,954 2020 423,648 2021 155,138 2022 58,796 2023 8,971 Total $ 660,507

Disclosure About Fair Value of

Disclosure About Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2018
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, 2018 December 31, 2017 In thousands Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Assets Level 1 inputs Cash $ 3,657 $ 3,657 $ 5,230 $ 5,230 Restricted cash 46,484 46,484 16,787 16,787 Level 2 inputs Interest rate caps 249 249 98 98 Level 3 inputs Net finance receivables 873,943 873,943 768,553 768,553 Repossessed assets 124 124 431 431 Liabilities Level 3 inputs Long-term debt 660,507 660,507 571,496 571,496 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. 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, 2018 and 2017: Interest Rate Caps In thousands Total Level 1 Level 2 Level 3 2018 $ 249 $ — $ 249 $ — 2017 $ 98 $ — $ 98 $ — Certain assets are measured at fair value on a non-recurring non-recurring Repossessed Assets In thousands Total Level 1 Level 2 Level 3 Total Losses 2018 $ 124 $ — $ — $ 124 $ 142 2017 $ 431 $ — $ — $ 431 $ 437

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2018
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 2015, though the Company remains subject to examination for the Texas tax return for the 2014 tax year. Income tax expense differed from the amount computed by applying the federal income tax rate to total income before income taxes as a result of the following: Year Ended December 31, 2018 2017 2016 In thousands $ % $ % $ % Federal tax expense at statutory rate $ 9,639 21.0 % $ 14,090 35.0 % $ 13,632 35.0 % Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 1,521 3.3 % 1,253 3.1 % 1,275 3.3 % Excess tax benefits from share-based awards (370 ) (0.8 )% (1,603 ) (4.0 )% — 0.0 % Research and development tax credits (114 ) (0.2 )% (400 ) (1.0 )% — 0.0 % Tax Cuts and Jobs Act — 0.0 % (3,122 ) (7.8 )% — 0.0 % Other (119 ) (0.3 )% 76 0.3 % 10 0.0 % $ 10,557 23.0 % $ 10,294 25.6 % $ 14,917 38.3 % In December 2017, the Tax Cuts and Jobs Act (the “ Tax Act 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 Income tax expense attributable to total income before income taxes consists of the following for the periods indicated: Year Ended December 31, In thousands 2018 2017 2016 Current: Federal $ 12,442 $ 4,479 $ 11,431 State and local 2,329 821 1,584 14,771 5,300 13,015 Deferred: Federal (3,705 ) 4,464 1,694 State and local (509 ) 530 208 (4,214 ) 4,994 1,902 Total $ 10,557 $ 10,294 $ 14,917 Net deferred tax assets and liabilities consist of the following as of the periods indicated: December 31, In thousands 2018 2017 Deferred tax assets: Allowance for credit losses $ 10,315 $ 6,491 Share-based compensation 3,406 2,314 Unearned insurance premiums 3,393 2,971 Accrued expenses 1,132 391 Amortization of intangible assets 376 424 State net operating loss carryforward 274 300 Deferred contract incentive 86 163 Other 86 206 Gross deferred tax assets 19,068 13,260 Deferred tax liabilities: Fair market value adjustment of finance receivables 13,378 12,410 Tax over book depreciation 4,058 3,463 Deferred loan costs 1,814 1,633 Prepaid expenses 372 395 Other 193 320 Gross deferred tax liabilities 19,815 18,221 Net deferred tax liability $ (747 ) $ (4,961 ) The Company had state net operating loss carryforwards of approximately $8.2 million and $9.7 million as of December 31, 2018 and 2017, respectively, and related deferred tax assets of $0.3 million for both periods. These carryforwards are available to offset future taxable income. If not used, the current carryforwards will expire beginning in 2020. Income tax expense was $10.6 million, $10.3 million, and $14.9 million for the years ended December 31, 2018, 2017, and 2016, respectively. Included in these amounts are tax benefits from share-based awards of $0.4 million, $1.6 million, and $0 for the years ended December 31, 2018, 2017, and 2016, respectively. At December 31, 2018, the Company did not have any material uncertain tax positions.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2018
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 2018 2017 2016 Numerator: Net income $ 35,345 $ 29,963 $ 24,031 Denominator: Weighted-average shares outstanding for basic earnings per share 11,655 11,551 11,824 Effect of dilutive securities 423 232 261 Weighted-average shares adjusted for dilutive securities 12,078 11,783 12,085 Earnings per share: Basic $ 3.03 $ 2.59 $ 2.03 Diluted $ 2.93 $ 2.54 $ 1.99 Options to purchase 148 thousand, 126 thousand, and 140 thousand shares of common stock were outstanding during the years ended December 31, 2018, 2017, and 2016, 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, 2018
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, 2018
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 2015 Plan re-approved For the years ended December 31, 2018, 2017, and 2016, the Company recorded share-based compensation expense of $6.9 million, $4.3 million, and $4.2 million, respectively. As of December 31, 2018, unrecognized share-based compensation expense to be recognized over future periods approximated $6.6 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: non-qualified 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 non-qualified non-qualified non-qualified The following are the terms and amounts of the awards issued under the Company’s share-based incentive programs: Non-qualified 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, 2018 2017 2016 Expected volatility 41.63 % 43.95 % 46.04 % Expected dividends 0.00 % 0.00 % 0.00 % Expected term (in years) 5.99 5.96 5.80 Risk-free rate 2.66 % 2.09 % 1.32 % 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, 2018: In thousands, except per share amounts Number of Shares Weighted-Average Exercise Price Weighted-Average Remaining Life (Years) Aggregate Intrinsic Value Options outstanding at January 1, 2018 958 $ 17.39 Granted 112 28.25 Exercised (89 ) 16.62 Forfeited — — Expired — — Options outstanding at December 31, 2018 981 $ 18.69 6.6 $ 5,982 Options exercisable at December 31, 2018 871 $ 17.83 6.3 $ 5,842 The following table provides additional stock option information for the periods indicated: Year Ended December 31, In thousands, except per share amounts 2018 2017 2016 Weighted-average grant date fair value per share $ 12.39 $ 8.90 $ 7.74 Intrinsic value of options exercised $ 1,604 $ 4,981 $ 1,397 Fair value of stock options that vested $ 1,809 $ 3,004 $ 2,131 Performance-contingent restricted stock units: The following table summarizes RSU activity during the year ended December 31, 2018: In thousands, except per unit amounts Units Weighted-Average Grant Date 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: Year Ended December 31, 2018 2017 2016 Weighted-average grant date fair value per unit $ 28.25 $ 19.99 $ 17.02 Cash-settled performance units: The following table summarizes CSPU activity during the year ended December 31, 2018: In thousands, except per unit amounts Units Weighted -Average Grant Date 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 year ended December 31, 2018: In thousands, except per share amounts Shares Weighted-Average Grant Date Fair Value Per Share Non-vested 53 $ 19.36 Granted 101 24.98 Vested (83 ) 19.64 Forfeited — — Non-vested 71 $ 26.95 The following table provides additional restricted stock information: Year Ended December 31, In thousands, except per share amounts 2018 2017 2016 Weighted-average grant date fair value per share $ 24.98 $ 18.38 $ 16.37 Fair value of restricted stock awards that vested $ 1,609 $ 983 $ 347

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 16. Commitments and Contingencies In the normal course of business, the Company has been named as a defendant in legal actions in connection with its activities. Some of the actual or threatened legal actions include claims for compensatory damages or claims for indeterminate amounts of damages. The Company contests liability and the amount of damages, as appropriate, in each pending matter. Where available information indicates that it is probable that a liability has been incurred and the Company can reasonably estimate the amount of that loss, the Company accrues the estimated loss by a charge to net income. However, in many legal actions, it is inherently difficult to determine whether any loss is probable, or even reasonably possible, or to estimate the amount of loss. This is particularly true for actions that are in their early stages of development or where plaintiffs seek indeterminate damages. In addition, even where a loss is reasonably possible or an exposure to loss exists in excess of the liability already accrued, it is not always possible to reasonably estimate the size of the possible loss or range of loss. Before a loss, additional loss, range of loss, or range of additional loss can be reasonably estimated for any given action, numerous issues may need to be resolved, including through lengthy discovery, following determination of important factual matters, and/or by addressing novel or unsettled legal questions. For certain other legal actions, the Company can estimate reasonably possible losses, additional losses, ranges of loss, or ranges of additional loss in excess of amounts accrued, but the Company does not believe, based on current knowledge and after consultation with counsel, that such losses will have a material adverse effect on the consolidated financial statements. While the Company will continue to identify legal actions where it believes a material loss to be reasonably possible and reasonably estimable, there can be no assurance that material losses will not be incurred from claims that the Company has not yet been notified of or are not yet determined to be probable, or reasonably possible and reasonable to estimate. The Company expenses legal costs as they are incurred.

Insurance Products and Reinsura

Insurance Products and Reinsurance of Certain Risks	12 Months Ended
	Dec. 31, 2018
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 type and terms of our optional insurance products vary from state to state based on applicable laws and regulations. Insurance premiums are remitted to an unaffiliated company that issues the policy to the customer. This unaffiliated company cedes the premiums to RMC Reinsurance, Ltd. Life insurance premiums are ceded to the Company as written and non-life The Company maintains a cash reserve for life insurance claims in an amount determined by the ceding company. As of December 31, 2018 and 2017, the cash reserves were $7.1 million and $6.1 million, respectively. The Company also purchased a cash collateralized letter of credit in favor of the ceding company. The letter of credit was $0.1 million and $0.5 million as of December 31, 2018 and 2017, respectively. Insurance income, net consists primarily of earned premiums, net of certain direct costs, from the sale of various optional payment and collateral protection insurance products offered to customers who obtain loans directly from the Company. Earned premiums are accounted for over the period of the underlying reinsured policies using assumptions consistent with the policy terms. Direct costs included in insurance income, net are claims paid, claims reserves, ceding fees, and premium taxes paid. The Company does not allocate to insurance income, net, any other home office or branch administrative costs associated with managing its insurance operations, managing its captive insurance company, marketing and selling insurance products, legal and compliance review, or internal audits. The following table summarizes the components of insurance income, net during the years ended December 31, 2018, 2017, and 2016: Insurance Premiums and In thousands 2018 2017 2016 Earned premiums $ 31,095 $ 25,860 $ 23,191 Claims, reserves, and certain direct expenses (16,302 ) (12,799 ) (13,735 ) Insurance income, net $ 14,793 $ 13,061 $ 9,456 Prior to May 2016, the Company had a collateral protection insurance (“ CPI The Company offered a self-insured Guaranteed Asset Protection (“ GAP Apart from the various optional payment and collateral protection insurance products that the Company offers to customers, on certain loans, the Company also collects a fee from customers and, in turn, purchases non-file Non-file non-file non-file non-file non-file non-file non-file non-file As a result of the Company’s 2016 insurance administration transition to a new unaffiliated third-party provider, certain of the Company’s non-file

Quarterly Information (unaudite

Quarterly Information (unaudited)	12 Months Ended
	Dec. 31, 2018
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 2018 and 2017: 2018 In thousands, except per share amounts First Second Third Fourth Total revenue $ 72,625 $ 72,416 $ 77,916 $ 83,749 Provision for credit losses (1) 19,515 20,203 23,640 23,698 General and administrative expenses 34,592 33,215 35,861 36,616 Interest expense 7,177 7,915 8,729 9,643 Income tax 2,697 2,601 2,237 3,022 Net income $ 8,644 $ 8,482 $ 7,449 $ 10,770 Net income per common share: Basic $ 0.74 $ 0.73 $ 0.64 $ 0.92 Diluted $ 0.72 $ 0.70 $ 0.61 $ 0.90 (1) Third quarter 2018 includes a $3.9 million incremental hurricane allowance for credit losses. 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 (1) First quarter 2017 includes a $1.5 million tax benefit related to the exercise of stock options. (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 Polici_2

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Business segments	Business segments:
Principles of consolidation	Principles of consolidation: VIE
Treasury stock	Treasury stock:
Variable interest entities	Variable interest entities: SPE The SPEs’ debt arrangements are structured to provide enhancements to the lenders and investors in the form of overcollateralization (the principal balance of the collateral exceeds the balance of the debt) and reserve funds (restricted cash held by the SPEs). These enhancements, along with the isolated finance receivables pools, increase the creditworthiness of the SPEs above that of the Company as a whole. This increases the marketability of the Company’s collateral for borrowing purposes, leading to more favorable borrowing terms, improved interest rate risk management, and additional flexibility to grow the business. The SPEs are considered VIEs under GAAP and are consolidated into the financial statements of their primary beneficiary. The Company is considered to be the primary beneficiary of the SPEs because it has (i) power over the significant activities through its role as servicer of the finance receivables under each debt arrangement 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 the SPEs after each debt is paid. Consolidation of VIEs results in these transactions being accounted for as secured borrowings; therefore, the pooled receivables and the related debts remain on the consolidated balance sheet of the Company. Each debt is secured solely by the assets of the VIEs and not by any other assets of the Company. The assets of the VIEs are the only source of funds for repayment on each debt, and restricted cash held by the VIEs can only be used to support payments on the debt. The Company recognizes revenue and provision for credit losses on the finance receivables of the VIEs and interest expense on the related secured debt.
Use of estimates	Use of estimates: 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 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 surrendering the vehicle, 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, credit property insurance, and automobile insurance using the sum-of-the-years’ sum-of-the-years’ non-file sum-of-the-years’ The Company deferred 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, 2018, 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 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:
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: (i) all leases to be recognized on the balance sheet as right-of-use right-of-use right-of-use As a result of the adoption of the new lease standard on January 1, 2019, the Company expects to record $24.4 million for both operating lease liabilities and corresponding right-of-use 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. In August 2018, the FASB issued an accounting update to provide additional guidance on the accounting for costs of implementation activities performed in a cloud computing arrangement that is a service contract. The amendments align the capitalization requirements for hosting arrangements that are service contracts with the capitalization principles for internal-use

Finance Receivables, Credit Q_2

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
Summary of Finance Receivables	Finance receivables for the periods indicated consisted of the following: December 31, In thousands 2018 2017 Small loans $ 437,662 $ 375,772 Large loans 437,998 347,218 Automobile loans 26,154 61,423 Retail loans 30,429 33,050 Finance receivables $ 932,243 $ 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: December 31, 2018 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 347,053 79.3 % $ 365,950 83.6 % $ 17,767 67.9 % $ 23,392 76.9 % $ 754,162 80.9 % 1 to 29 days past due 49,946 11.4 % 45,234 10.3 % 6,304 24.1 % 4,436 14.6 % 105,920 11.4 % Delinquent accounts 30 to 59 days 12,168 2.8 % 8,768 2.0 % 751 2.9 % 842 2.7 % 22,529 2.3 % 60 to 89 days 9,555 2.2 % 6,779 1.5 % 421 1.6 % 627 2.1 % 17,382 1.9 % 90 to 119 days 7,202 1.6 % 4,407 1.0 % 241 0.9 % 429 1.4 % 12,279 1.3 % 120 to 149 days 6,266 1.4 % 3,823 0.9 % 434 1.7 % 367 1.2 % 10,890 1.2 % 150 to 179 days 5,472 1.3 % 3,037 0.7 % 236 0.9 % 336 1.1 % 9,081 1.0 % Total delinquency $ 40,663 9.3 % $ 26,814 6.1 % $ 2,083 8.0 % $ 2,601 8.5 % $ 72,161 7.7 % Total finance receivables $ 437,662 100.0 % $ 437,998 100.0 % $ 26,154 100.0 % $ 30,429 100.0 % $ 932,243 100.0 % Finance receivables in nonaccrual status $ 22,549 5.2 % $ 14,379 3.3 % $ 1,359 5.2 % $ 1,276 4.2 % $ 39,563 4.2 % 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 $ 19,634 5.2 % $ 9,753 2.8 % $ 2,461 4.0 % $ 1,339 4.1 % $ 33,187 4.1 %
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 2018 2017 2016 Balance at beginning of period $ 48,910 $ 41,250 $ 37,452 Provision for credit losses 87,056 77,339 63,014 Credit losses (82,341 ) (75,880 ) (64,064 ) Recoveries 4,675 6,201 4,848 Balance at end of period $ 58,300 $ 48,910 $ 41,250
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 $ 51,859 $ (48,333 ) $ 2,484 $ 30,759 $ 437,662 7.0 % Large loans 17,548 31,103 (26,337 ) 1,388 23,702 437,998 5.4 % Automobile loans 4,025 1,300 (4,085 ) 653 1,893 26,154 7.2 % Retail loans 2,588 2,794 (3,586 ) 150 1,946 30,429 6.4 % Total $ 48,910 $ 87,056 $ (82,341 ) $ 4,675 $ 58,300 $ 932,243 6.3 % 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 %
Tabular Disclosure of Impaired Financing Receivables	The following is a summary of finance receivables evaluated for impairment for the periods indicated: December 31, 2018 In thousands Small Large Automobile Retail Total Impaired receivables specifically evaluated $ 8,361 $ 17,196 $ 918 $ 110 $ 26,585 Finance receivables evaluated collectively 429,301 420,802 25,236 30,319 905,658 Finance receivables outstanding $ 437,662 $ 437,998 $ 26,154 $ 30,429 $ 932,243 Impaired receivables in nonaccrual status $ 1,209 $ 2,292 $ 178 $ 37 $ 3,716 Amount of the specific reserve for impaired accounts $ 3,791 $ 6,860 $ 492 $ 61 $ 11,204 Amount of the general component of the allowance $ 26,968 $ 16,842 $ 1,401 $ 1,885 $ 47,096 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: Year Ended December 31, 2018 2017 (1) In thousands Average Interest Income Average Small loans $ 6,577 $ 1,066 $ 3,946 Large loans 13,221 1,639 8,205 Automobile loans 1,381 60 2,062 Retail loans 109 6 107 Total $ 21,288 $ 2,771 $ 14,320 (1) It was not practical to compute the amount of interest income recognized on impaired loans prior to fiscal year 2018.

Property and Equipment (Tables)

Property and Equipment (Tables)	12 Months Ended
	Dec. 31, 2018
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 2018 2017 Furniture, fixtures, and equipment $ 23,131 $ 20,471 Leasehold improvements 10,578 8,671 Property and equipment cost 33,709 29,142 Less accumulated depreciation 19,783 16,848 Property and equipment, net of accumulated depreciation $ 13,926 $ 12,294

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2018
Leases [Abstract]
Summary of Future Minimum Rent Commitments Under Non-cancellable Operating Leases	Future minimum rent commitments under non-cancellable In thousands Amount 2019 $ 6,814 2020 6,074 2021 4,788 2022 3,617 2023 3,084 Thereafter 5,322 Total $ 29,699

Intangible Assets (Tables)

Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2018
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, 2018 December 31, 2017 In thousands Gross Carrying Accumulated Net Amount Gross Carrying Accumulated Net Amount Software $ 13,811 $ (4,517 ) $ 9,294 $ 13,396 $ (3,550 ) $ 9,846 Customer list 2,485 (2,485 ) — 2,485 (2,440 ) 45 Goodwill 950 (234 ) 716 950 (234 ) 716 Total intangible assets $ 17,246 $ (7,236 ) $ 10,010 $ 16,831 $ (6,224 ) $ 10,607
Summary of Future Amortization of Intangible Assets	The following table sets forth the future amortization of intangible assets: In thousands Amount 2019 $ 1,976 2020 1,776 2021 1,638 2022 1,621 2023 1,403 Thereafter 880 Total $ 9,294

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Dec. 31, 2018
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 2018 2017 Prepaid expenses $ 4,167 $ 2,806 Card payments receivable 2,292 2,005 Credit insurance receivable 1,027 1,024 Repossessed assets 124 431 Income tax receivable — 9,474 Other 765 272 Total $ 8,375 $ 16,012

Interest Rate Caps (Tables)

Interest Rate Caps (Tables)	12 Months Ended
	Dec. 31, 2018
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 2018 2017 2016 Balance at beginning of period $ 98 $ 62 $ 120 Purchases 481 100 112 Fair value adjustment included as an increase in interest expense (330 ) (64 ) (170 ) Balance at end of period, included in other assets $ 249 $ 98 $ 62

Long-Term Debt (Tables)

Long-Term Debt (Tables)	12 Months Ended
	Dec. 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: December 31, 2018 December 31, 2017 In thousands Long-Term Unamortized Net Long-Term Long-Term Unamortized Net Long-Term Senior revolving credit facility $ 328,074 $ (1,604 ) $ 326,470 $ 452,050 $ (2,162 ) $ 449,888 Amortizing loan 21,642 (201 ) 21,441 53,380 (547 ) 52,833 Revolving warehouse credit facility 30,126 (1,899 ) 28,227 66,066 (2,241 ) 63,825 RMIT 2018-1 150,246 (2,849 ) 147,397 — — — RMIT 2018-2 130,419 (2,605 ) 127,814 — — — Total $ 660,507 $ (9,158 ) $ 651,349 $ 571,496 $ (4,950 ) $ 566,546 Unused amount of revolving credit facilities (subject to borrowing base) $ 406,600 $ 244,884
Summary of Estimated Principal Payments Required on Outstanding Debt	The following is a summary of estimated principal payments required on outstanding debt during each of the next five years: In thousands Amount 2019 $ 13,954 2020 423,648 2021 155,138 2022 58,796 2023 8,971 Total $ 660,507
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 2018 2017 Assets Cash $ 168 $ 70 Finance receivables 342,481 137,239 Allowance for credit losses (18,378 ) (7,129 ) Restricted cash 39,361 10,734 Other assets 75 119 Total assets $ 363,707 $ 141,033 Liabilities Net long-term debt $ 324,879 $ 116,658 Accounts payable and accrued expenses 25 53 Total liabilities $ 324,904 $ 116,711

Disclosure About Fair Value o_2

Disclosure About Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 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: December 31, 2018 December 31, 2017 In thousands Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Assets Level 1 inputs Cash $ 3,657 $ 3,657 $ 5,230 $ 5,230 Restricted cash 46,484 46,484 16,787 16,787 Level 2 inputs Interest rate caps 249 249 98 98 Level 3 inputs Net finance receivables 873,943 873,943 768,553 768,553 Repossessed assets 124 124 431 431 Liabilities Level 3 inputs Long-term debt 660,507 660,507 571,496 571,496
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, 2018 and 2017: Interest Rate Caps In thousands Total Level 1 Level 2 Level 3 2018 $ 249 $ — $ 249 $ — 2017 $ 98 $ — $ 98 $ —
Schedule of Assets Measured at Fair Value on a Non-recurring Basis	The following table presents the assets carried on the balance sheet by level within the hierarchy as of December 31, 2018 and 2017 for which a non-recurring Repossessed Assets In thousands Total Level 1 Level 2 Level 3 Total Losses 2018 $ 124 $ — $ — $ 124 $ 142 2017 $ 431 $ — $ — $ 431 $ 437

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 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: Year Ended December 31, 2018 2017 2016 In thousands $ % $ % $ % Federal tax expense at statutory rate $ 9,639 21.0 % $ 14,090 35.0 % $ 13,632 35.0 % Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 1,521 3.3 % 1,253 3.1 % 1,275 3.3 % Excess tax benefits from share-based awards (370 ) (0.8 )% (1,603 ) (4.0 )% — 0.0 % Research and development tax credits (114 ) (0.2 )% (400 ) (1.0 )% — 0.0 % Tax Cuts and Jobs Act — 0.0 % (3,122 ) (7.8 )% — 0.0 % Other (119 ) (0.3 )% 76 0.3 % 10 0.0 % $ 10,557 23.0 % $ 10,294 25.6 % $ 14,917 38.3 %
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 2018 2017 2016 Current: Federal $ 12,442 $ 4,479 $ 11,431 State and local 2,329 821 1,584 14,771 5,300 13,015 Deferred: Federal (3,705 ) 4,464 1,694 State and local (509 ) 530 208 (4,214 ) 4,994 1,902 Total $ 10,557 $ 10,294 $ 14,917
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 2018 2017 Deferred tax assets: Allowance for credit losses $ 10,315 $ 6,491 Share-based compensation 3,406 2,314 Unearned insurance premiums 3,393 2,971 Accrued expenses 1,132 391 Amortization of intangible assets 376 424 State net operating loss carryforward 274 300 Deferred contract incentive 86 163 Other 86 206 Gross deferred tax assets 19,068 13,260 Deferred tax liabilities: Fair market value adjustment of finance receivables 13,378 12,410 Tax over book depreciation 4,058 3,463 Deferred loan costs 1,814 1,633 Prepaid expenses 372 395 Other 193 320 Gross deferred tax liabilities 19,815 18,221 Net deferred tax liability $ (747 ) $ (4,961 )

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 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: Year Ended December 31, In thousands, except per share amounts 2018 2017 2016 Numerator: Net income $ 35,345 $ 29,963 $ 24,031 Denominator: Weighted-average shares outstanding for basic earnings per share 11,655 11,551 11,824 Effect of dilutive securities 423 232 261 Weighted-average shares adjusted for dilutive securities 12,078 11,783 12,085 Earnings per share: Basic $ 3.03 $ 2.59 $ 2.03 Diluted $ 2.93 $ 2.54 $ 1.99

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 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: Year Ended December 31, 2018 2017 2016 Expected volatility 41.63 % 43.95 % 46.04 % Expected dividends 0.00 % 0.00 % 0.00 % Expected term (in years) 5.99 5.96 5.80 Risk-free rate 2.66 % 2.09 % 1.32 %
Summary of Company's Stock Option Plan Activity	The following table summarizes the stock option activity for the year ended December 31, 2018: In thousands, except per share amounts Number of Shares Weighted-Average Exercise Price Weighted-Average Remaining Life (Years) Aggregate Intrinsic Value Options outstanding at January 1, 2018 958 $ 17.39 Granted 112 28.25 Exercised (89 ) 16.62 Forfeited — — Expired — — Options outstanding at December 31, 2018 981 $ 18.69 6.6 $ 5,982 Options exercisable at December 31, 2018 871 $ 17.83 6.3 $ 5,842
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 2018 2017 2016 Weighted-average grant date fair value per share $ 12.39 $ 8.90 $ 7.74 Intrinsic value of options exercised $ 1,604 $ 4,981 $ 1,397 Fair value of stock options that vested $ 1,809 $ 3,004 $ 2,131
Summary of RSU Activity	The following table summarizes RSU activity during the year ended December 31, 2018: In thousands, except per unit amounts Units Weighted-Average Grant Date 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: Year Ended December 31, 2018 2017 2016 Weighted-average grant date fair value per unit $ 28.25 $ 19.99 $ 17.02
Summary of CSPU Activity	The following table summarizes CSPU activity during the year ended December 31, 2018: In thousands, except per unit amounts Units Weighted -Average Grant Date 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 year ended December 31, 2018: In thousands, except per share amounts Shares Weighted-Average Grant Date Fair Value Per Share Non-vested 53 $ 19.36 Granted 101 24.98 Vested (83 ) 19.64 Forfeited — — Non-vested 71 $ 26.95
Summary of Additional Restricted Stock Information	The following table provides additional restricted stock information: Year Ended December 31, In thousands, except per share amounts 2018 2017 2016 Weighted-average grant date fair value per share $ 24.98 $ 18.38 $ 16.37 Fair value of restricted stock awards that vested $ 1,609 $ 983 $ 347

Insurance Products and Reinsu_2

Insurance Products and Reinsurance of Certain Risks (Tables)	12 Months Ended
	Dec. 31, 2018
Insurance [Abstract]
Schedule of Components of Insurance Income, Net	The following table summarizes the components of insurance income, net during the years ended December 31, 2018, 2017, and 2016: Insurance Premiums and In thousands 2018 2017 2016 Earned premiums $ 31,095 $ 25,860 $ 23,191 Claims, reserves, and certain direct expenses (16,302 ) (12,799 ) (13,735 ) Insurance income, net $ 14,793 $ 13,061 $ 9,456

Quarterly Information (unaudi_2

Quarterly Information (unaudited) (Tables)	12 Months Ended
	Dec. 31, 2018
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 2018 and 2017: 2018 In thousands, except per share amounts First Second Third Fourth Total revenue $ 72,625 $ 72,416 $ 77,916 $ 83,749 Provision for credit losses (1) 19,515 20,203 23,640 23,698 General and administrative expenses 34,592 33,215 35,861 36,616 Interest expense 7,177 7,915 8,729 9,643 Income tax 2,697 2,601 2,237 3,022 Net income $ 8,644 $ 8,482 $ 7,449 $ 10,770 Net income per common share: Basic $ 0.74 $ 0.73 $ 0.64 $ 0.92 Diluted $ 0.72 $ 0.70 $ 0.61 $ 0.90 (1) Third quarter 2018 includes a $3.9 million incremental hurricane allowance for credit losses. 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 (1) First quarter 2017 includes a $1.5 million tax benefit related to the exercise of stock options. (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.

Nature of Business - Additional

Nature of Business - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2018LocationBranch	Dec. 31, 2017Branch	Dec. 31, 2016Branch
Entity Location [Line Items]
Number of branches	359
Net number of branches opened | Branch	17	3	8
Alabama [Member]
Entity Location [Line Items]
Number of branches	46
Georgia [Member]
Entity Location [Line Items]
Number of branches	8
Missouri [Member]
Entity Location [Line Items]
Number of branches	9
New Mexico [Member]
Entity Location [Line Items]
Number of branches	17
North Carolina [Member]
Entity Location [Line Items]
Number of branches	36
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	23
Texas [Member]
Entity Location [Line Items]
Number of branches	103
Virginia [Member]
Entity Location [Line Items]
Number of branches	18
Wisconsin [Member]
Entity Location [Line Items]
Number of branches	4

Significant Accounting Polici_3

Significant Accounting Policies - Additional Information (Detail) $ in Millions	12 Months Ended
	Dec. 31, 2018Segment	Jan. 01, 2019USD ($)
Significant Accounting Policies [Line Items]
Number of segment | Segment	1
Contractual delinquent period of loans	180 days
Bankruptcy delinquency threshold	60 days
Delinquent period of accrual income	90 days
Tax benefit	50.00%
Accounting Standards Update 2016-02 [Member] | Subsequent Event [Member]
Significant Accounting Policies [Line Items]
Right-of-use assets		$ 24.4
Lease liabilities		$ 24.4
Minimum [Member]
Significant Accounting Policies [Line Items]
Non cancellable lease period	5 years
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]
Significant Accounting Policies [Line Items]
Non cancellable lease period	7 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, 2018
Risks and Uncertainties [Abstract]
Concentration risk, geographic	The Company's portfolio of finance receivables is primarily with customers living in five Southeastern states (Alabama, Georgia, North Carolina, South Carolina, and Tennessee), three Southwestern states (Oklahoma, New Mexico, and Texas), one Mid-Atlantic state (Virginia), and two Midwestern states (Missouri and Wisconsin).

Finance Receivables, Credit Q_3

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Finance Receivables (Detail) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 932,243	$ 817,463	$ 717,775
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	437,662	375,772	358,471
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	437,998	347,218	235,349
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	26,154	61,423	90,432
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 30,429	$ 33,050	$ 33,523

Finance Receivables, Credit Q_4

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, 2018	Dec. 31, 2017	Dec. 31, 2016
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 72,161	$ 61,479
Past due, Percent	7.70%	7.50%
Finance receivables	$ 932,243	$ 817,463	$ 717,775
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 39,563	$ 33,187
Finance receivables in nonaccrual status, Percent	4.20%	4.10%
Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 754,162	$ 669,451
Current, Percent	80.90%	81.90%
1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 105,920	$ 86,533
Past due, Percent	11.40%	10.60%
Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 22,529	$ 18,728
Past due, Percent	2.30%	2.20%
Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 17,382	$ 15,297
Past due, Percent	1.90%	1.90%
Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 12,279	$ 11,339
Past due, Percent	1.30%	1.40%
Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 10,890	$ 8,865
Past due, Percent	1.20%	1.10%
Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 9,081	$ 7,250
Past due, Percent	1.00%	0.90%
Small Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 40,663	$ 35,246
Past due, Percent	9.30%	9.40%
Finance receivables	$ 437,662	$ 375,772	358,471
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 22,549	$ 19,634
Finance receivables in nonaccrual status, Percent	5.20%	5.20%
Small Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 347,053	$ 301,114
Current, Percent	79.30%	80.10%
Small Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 49,946	$ 39,412
Past due, Percent	11.40%	10.50%
Small Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 12,168	$ 9,738
Past due, Percent	2.80%	2.60%
Small Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 9,555	$ 8,755
Past due, Percent	2.20%	2.30%
Small Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 7,202	$ 6,881
Past due, Percent	1.60%	1.90%
Small Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 6,266	$ 5,284
Past due, Percent	1.40%	1.40%
Small Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,472	$ 4,588
Past due, Percent	1.30%	1.20%
Large Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 26,814	$ 18,540
Past due, Percent	6.10%	5.30%
Finance receivables	$ 437,998	$ 347,218	235,349
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 14,379	$ 9,753
Finance receivables in nonaccrual status, Percent	3.30%	2.80%
Large Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 365,950	$ 299,467
Current, Percent	83.60%	86.30%
Large Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 45,234	$ 29,211
Past due, Percent	10.30%	8.40%
Large Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 8,768	$ 5,949
Past due, Percent	2.00%	1.60%
Large Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 6,779	$ 4,757
Past due, Percent	1.50%	1.40%
Large Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,407	$ 3,286
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	$ 3,823	$ 2,537
Past due, Percent	0.90%	0.70%
Large Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,037	$ 2,011
Past due, Percent	0.70%	0.60%
Automobile Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,083	$ 4,896
Past due, Percent	8.00%	8.00%
Finance receivables	$ 26,154	$ 61,423	90,432
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 1,359	$ 2,461
Finance receivables in nonaccrual status, Percent	5.20%	4.00%
Automobile Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 17,767	$ 43,140
Current, Percent	67.90%	70.20%
Automobile Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 6,304	$ 13,387
Past due, Percent	24.10%	21.80%
Automobile Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 751	$ 2,162
Past due, Percent	2.90%	3.60%
Automobile Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 421	$ 1,046
Past due, Percent	1.60%	1.70%
Automobile Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 241	$ 701
Past due, Percent	0.90%	1.10%
Automobile Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 434	$ 636
Past due, Percent	1.70%	1.00%
Automobile Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 236	$ 351
Past due, Percent	0.90%	0.60%
Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,601	$ 2,797
Past due, Percent	8.50%	8.50%
Finance receivables	$ 30,429	$ 33,050	$ 33,523
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 1,276	$ 1,339
Finance receivables in nonaccrual status, Percent	4.20%	4.10%
Retail Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 23,392	$ 25,730
Current, Percent	76.90%	77.80%
Retail Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,436	$ 4,523
Past due, Percent	14.60%	13.70%
Retail Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 842	$ 879
Past due, Percent	2.70%	2.70%
Retail Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 627	$ 739
Past due, Percent	2.10%	2.20%
Retail Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 429	$ 471
Past due, Percent	1.40%	1.50%
Retail Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 367	$ 408
Past due, Percent	1.20%	1.20%
Retail Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 336	$ 300
Past due, Percent	1.10%	0.90%

Finance Receivables, Credit Q_5

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								9 Months Ended		12 Months Ended
	Sep. 30, 2017	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Financing Receivable, Allowance for Credit Losses [Line Items]
Increase (decrease) in net income		$ 10,770	$ 7,449	$ 8,482	$ 8,644	$ 10,885	$ 5,309	$ 6,135	$ 7,634			$ 35,345	$ 29,963	$ 24,031
Increase (decrease) in diluted earnings per share		$ 0.90	$ 0.61	$ 0.70	$ 0.72	$ 0.92	$ 0.45	$ 0.52	$ 0.65			$ 2.93	$ 2.54	$ 1.99
Increase (decrease) in net income from a change in allowance assumption			$ (200)									$ 200	$ (100)
Increase (decrease) in diluted earnings per share from a change in allowance assumption			$ (0.01)									$ 0.01	$ (0.01)
Increase (decrease) in loss allowance due to change in allowance assumption												$ 200	$ 100
Increase (decrease) in provision for credit losses		$ 23,698	$ 23,640	$ 20,203	$ 19,515	$ 19,464	$ 20,152	$ 18,589	$ 19,134			$ 87,056	$ 77,339	$ 63,014
Impaired finance receivables as a percentage of total finance receivables												2.90%	2.10%
Previous [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loss emergence period of small loan finance receivable												7 months	6 months
Loss emergence period of large loan finance receivable												10 months	12 months
Loss emergence period of retail loan finance receivable												11 months	10 months
Loss emergence period of automobile loan finance receivable												12 months
New [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loss emergence period of small loan finance receivable												8 months	7 months
Loss emergence period of large loan finance receivable												8 months	10 months
Loss emergence period of retail loan finance receivable												8 months	11 months
Loss emergence period of automobile loan finance receivable												9 months
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
Unearned Non-refundable Fees [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Increase (decrease) in net income from a change in allowance assumption			$ 5,000
Increase (decrease) in diluted earnings per share from a change in allowance assumption			$ 0.41
Increase (decrease) in loss allowance due to change in allowance assumption			$ (6,600)
Changes in Non-file policy [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Increase (decrease) in net income from a change in allowance assumption			$ (3,100)
Increase (decrease) in diluted earnings per share from a change in allowance assumption			$ 0.25
Increase (decrease) in loss allowance due to change in allowance assumption			$ 4,100
Modeling Assumptions [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Increase (decrease) in net income from a change in allowance assumption			$ (2,100)
Increase (decrease) in diluted earnings per share from a change in allowance assumption			$ 0.17
Increase (decrease) in loss allowance due to change in allowance assumption			$ 2,800
Uncollectible Receivables [Member] | Hurricanes [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Increase (decrease) in net income			$ (2,900)
Increase (decrease) in diluted earnings per share			$ (0.24)
Increase (decrease) in provision for credit losses										$ 3,900
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 Q_6

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, 2018	Dec. 31, 2017	Dec. 31, 2016
Receivables [Abstract]
Balance at beginning of period	$ 48,910	$ 41,250	$ 37,452
Provision for credit losses	87,056	77,339	63,014
Credit losses	(82,341)	(75,880)	(64,064)
Recoveries	4,675	6,201	4,848
Balance at end of period	$ 58,300	$ 48,910	$ 41,250

Finance Receivables, Credit Q_7

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, 2018	Dec. 31, 2017	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 48,910	$ 41,250	$ 37,452
Provision	87,056	77,339	63,014
Credit losses	(82,341)	(75,880)	(64,064)
Recoveries	4,675	6,201	4,848
Balance at end of period	58,300	48,910	41,250
Finance receivables	$ 932,243	$ 817,463	$ 717,775
Allowance as Percentage of Finance Receivables	6.30%	6.00%	5.70%
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 24,749	$ 21,770	$ 21,535
Provision	51,859	45,104	41,119
Credit losses	(48,333)	(45,612)	(43,797)
Recoveries	2,484	3,487	2,913
Balance at end of period	30,759	24,749	21,770
Finance receivables	$ 437,662	$ 375,772	$ 358,471
Allowance as Percentage of Finance Receivables	7.00%	6.60%	6.10%
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 17,548	$ 11,460	$ 5,593
Provision	31,103	25,024	14,261
Credit losses	(26,337)	(20,088)	(8,946)
Recoveries	1,388	1,152	552
Balance at end of period	23,702	17,548	11,460
Finance receivables	$ 437,998	$ 347,218	$ 235,349
Allowance as Percentage of Finance Receivables	5.40%	5.10%	4.90%
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 4,025	$ 5,910	$ 8,828
Provision	1,300	4,210	4,785
Credit losses	(4,085)	(7,424)	(8,886)
Recoveries	653	1,329	1,183
Balance at end of period	1,893	4,025	5,910
Finance receivables	$ 26,154	$ 61,423	$ 90,432
Allowance as Percentage of Finance Receivables	7.20%	6.60%	6.50%
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 2,588	$ 2,110	$ 1,496
Provision	2,794	3,001	2,849
Credit losses	(3,586)	(2,756)	(2,435)
Recoveries	150	233	200
Balance at end of period	1,946	2,588	2,110
Finance receivables	$ 30,429	$ 33,050	$ 33,523
Allowance as Percentage of Finance Receivables	6.40%	7.80%	6.30%

Finance Receivables, Credit Q_8

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Tabular Disclosure of Impaired Financing Receivables (Detail) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	$ 26,585	$ 17,230
Finance receivables evaluated collectively	905,658	800,233
Finance receivables	932,243	817,463	$ 717,775
Impaired receivables in nonaccrual status	3,716	1,798
Amount of the specific reserve for impaired accounts	11,204	3,766
Amount of the general component of the allowance	47,096	45,144
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	8,361	5,094
Finance receivables evaluated collectively	429,301	370,678
Finance receivables	437,662	375,772	358,471
Impaired receivables in nonaccrual status	1,209	707
Amount of the specific reserve for impaired accounts	3,791	1,190
Amount of the general component of the allowance	26,968	23,559
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	17,196	10,303
Finance receivables evaluated collectively	420,802	336,915
Finance receivables	437,998	347,218	235,349
Impaired receivables in nonaccrual status	2,292	931
Amount of the specific reserve for impaired accounts	6,860	2,183
Amount of the general component of the allowance	16,842	15,365
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	918	1,724
Finance receivables evaluated collectively	25,236	59,699
Finance receivables	26,154	61,423	90,432
Impaired receivables in nonaccrual status	178	129
Amount of the specific reserve for impaired accounts	492	373
Amount of the general component of the allowance	1,401	3,652
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	110	109
Finance receivables evaluated collectively	30,319	32,941
Finance receivables	30,429	33,050	$ 33,523
Impaired receivables in nonaccrual status	37	31
Amount of the specific reserve for impaired accounts	61	20
Amount of the general component of the allowance	$ 1,885	$ 2,568

Finance Receivables, Credit Q_9

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, 2018	Dec. 31, 2017
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	$ 21,288	$ 14,320
Interest Income Recognized	2,771
Small Loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	6,577	3,946
Interest Income Recognized	1,066
Large Loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	13,221	8,205
Interest Income Recognized	1,639
Automobile Loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	1,381	2,062
Interest Income Recognized	60
Retail Loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	109	$ 107
Interest Income Recognized	$ 6

Property and Equipment - Summar

Property and Equipment - Summary of Property and Equipment (Detail) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 33,709	$ 29,142
Less accumulated depreciation	19,783	16,848
Property and equipment, net of accumulated depreciation	13,926	12,294
Furniture, Fixtures and Equipment [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	23,131	20,471
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 10,578	$ 8,671

Property and Equipment - Additi

Property and Equipment - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Property, Plant and Equipment [Abstract]
Depreciation expense	$ 3.7	$ 3.4	$ 3.1

Leases - Additional Information

Leases - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Operating Leased Assets [Line Items]
Rent expense	$ 8.1	$ 7.7	$ 7
Minimum [Member]
Operating Leased Assets [Line Items]
Lease agreement term	5 years
Lease extension period	3 years
Maximum [Member]
Operating Leased Assets [Line Items]
Lease agreement term	7 years
Lease extension period	5 years

Leases - Summary of Future Mini

Leases - Summary of Future Minimum Rent Commitments Under Non-cancellable Operating Leases (Detail) $ in Thousands	Dec. 31, 2018USD ($)
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2,019	$ 6,814
2,020	6,074
2,021	4,788
2,022	3,617
2,023	3,084
Thereafter	5,322
Total	$ 29,699

Intangible Assets - Summary of

Intangible Assets - Summary of Gross Carrying Amount and Related Accumulated Amortization of Intangible Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Intangible Assets Including Goodwill [Line Items]
Goodwill, Gross Carrying Amount	$ 950	$ 950
Total intangible assets, Gross Carrying Amount	17,246	16,831
Goodwill, Accumulated Amortization	(234)	(234)
Total intangible assets, Accumulated Amortization	(7,236)	(6,224)
Net Amount	9,294
Goodwill, Net Amount	716	716
Total intangible assets, Net Amount	10,010	10,607
Customer List [Member]
Intangible Assets Including Goodwill [Line Items]
Gross Carrying Amount	2,485	2,485
Accumulated Amortization	(2,485)	(2,440)
Net Amount		45
Software [Member]
Intangible Assets Including Goodwill [Line Items]
Gross Carrying Amount	13,811	13,396
Accumulated Amortization	(4,517)	(3,550)
Net Amount	$ 9,294	$ 9,846

Intangible Assets - Additional

Intangible Assets - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Goodwill and Intangible Assets Disclosure [Abstract]
Amortization expense for intangible assets	$ 2,000,000	$ 2,200,000	$ 1,900,000
Impairment losses	0	0
Goodwill acquired during the year	$ 0	$ 0

Intangible Assets - Summary o_2

Intangible Assets - Summary of Future Amortization of Intangible Assets (Detail) $ in Thousands	Dec. 31, 2018USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2,019	$ 1,976
2,020	1,776
2,021	1,638
2,022	1,621
2,023	1,403
Thereafter	880
Total	$ 9,294

Other Assets - Summary of Other

Other Assets - Summary of Other Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Prepaid expenses	$ 4,167	$ 2,806
Card payments receivable	2,292	2,005
Credit insurance receivable	1,027	1,024
Repossessed assets	124	431
Income tax receivable		9,474
Other	765	272
Total	$ 8,375	$ 16,012

Interest Rate Caps - Additional

Interest Rate Caps - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Derivative [Line Items]
Notional amount of interest rate cap	$ 400,000,000
London Interbank Offered Rate (LIBOR) [Member]
Derivative [Line Items]
Interest rate	2.50%	1.56%
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
Strike rate	2.50%
Interest Rate Cap Contracts Expiring In April 2020 [Member]
Derivative [Line Items]
Notional amount of interest rate cap	$ 100,000,000
Maturity period of interest rate caps exchanged	Apr. 30, 2020
Strike rate	3.25%
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
Strike rate	2.50%
Interest Rate Cap Contracts Expiring In April 2021 [Member]
Derivative [Line Items]
Notional amount of interest rate cap	$ 200,000,000
Maturity period of interest rate caps exchanged	Apr. 30, 2021
Strike rate	3.50%

Interest Rate Caps - Summary of

Interest Rate Caps - Summary of Change in Rate Caps (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Offsetting [Abstract]
Balance at beginning of period	$ 98	$ 62	$ 120
Purchases	481	100	112
Fair value adjustment included as an increase in interest expense	(330)	(64)	(170)
Balance at end of period, included in other assets	$ 249	$ 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, 2018	Dec. 31, 2017
Debt Instrument [Line Items]
Long-term debt	$ 660,507	$ 571,496
Unamortized debt issuance costs	(9,158)	(4,950)
Net long-term debt	651,349	566,546
Unused amount of revolving credit facilities (subject to borrowing base)	406,600	244,884
Senior Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Long-term debt	328,074	452,050
Unamortized debt issuance costs	(1,604)	(2,162)
Net long-term debt	326,470	449,888
Amortizing Loan [Member]
Debt Instrument [Line Items]
Long-term debt	21,642	53,380
Unamortized debt issuance costs	(201)	(547)
Net long-term debt	21,441	52,833
Revolving Warehouse Credit Facility [Member]
Debt Instrument [Line Items]
Long-term debt	30,126	66,066
Unamortized debt issuance costs	(1,899)	(2,241)
Net long-term debt	28,227	$ 63,825
RMIT 2018-1 securitization [Member]
Debt Instrument [Line Items]
Long-term debt	150,246
Unamortized debt issuance costs	(2,849)
Net long-term debt	147,397
RMIT 2018-2 securitization [Member]
Debt Instrument [Line Items]
Long-term debt	130,419
Unamortized debt issuance costs	(2,605)
Net long-term debt	$ 127,814

Long-Term Debt - Additional Inf

Long-Term Debt - Additional Information (Detail) - USD ($)	Feb. 05, 2018	Oct. 02, 2017	Aug. 31, 2018	Feb. 28, 2018	Nov. 30, 2017	Jun. 30, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account							$ 46,484,000	$ 16,787,000	$ 8,297,000	$ 10,506,000
Private offering of investment grade asset-backed notes							280,665,000
Amortizing Loan [Member]
Line of Credit Facility [Line Items]
Percentage of advances on debt agreement eligible secured finance receivables				85.00%
Cash deposited to restricted cash reserve account							$ 1,300,000
Amortizing loan, amount										$ 75,700,000
Additional loan advance					$ 37,800,000
Credit agreement, Interest rate				3.25%
Debt maturity date					2024-12
Terms related to loan prepayment							The credit agreement allows the Company to prepay the loan when the outstanding balance falls below 20% of the original loan amount.
Principal balance percentage threshold for allowable prepayment of loan							20.00%
Amortizing Loan Prior to February 2018 [Member]
Line of Credit Facility [Line Items]
Percentage of advances on debt agreement eligible secured finance receivables					88.00%
Credit agreement, Interest rate					3.00%
Revolving Warehouse Credit Facility [Member]
Line of Credit Facility [Line Items]
Secured line of credit							$ 125,000,000
Debt agreement expiration date							Feb. 29, 2020
Line of credit facility, accordion feature							$ 150,000,000
Percentage of advances on debt agreement eligible secured finance receivables							80.00%
Description of Variable Rate Basis							Borrowings under the facility previously bore interest, payable monthly, at a blended rate equal to three-month LIBOR, plus a margin of 3.50%. In October 2017 and February 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 August 2018 amendment to the credit agreement decreased the margin to 2.20%. The three-month LIBOR was 2.81% and 1.69% at December 31, 2018 and 2017, respectively.
Cash deposited to restricted cash reserve account							$ 1,600,000
Debt maturity date							2021-02
Debt revolving period end date							2020-02
Revolving Warehouse Credit Facility Between May and August 2018 [Member]
Line of Credit Facility [Line Items]
Secured line of credit							$ 150,000,000
RMIT 2018-1 securitization [Member]
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account							$ 1,700,000
Debt maturity date							2027-07
Terms related to loan prepayment							Prior to maturity in July 2027, the Company may redeem the notes in full, but not in part, at its option on any note payment date on or after the payment date occurring in July 2020. No payments of principal of the notes will be made during the revolving period.
Debt revolving period end date							2020-06
Private offering of investment grade asset-backed notes							$ 150,000,000
Weighted average rate							3.93%
RMIT 2018-2 securitization [Member]
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account							$ 1,400,000
Debt maturity date							2028-01
Terms related to loan prepayment							Prior to maturity in January 2028, the Company may redeem the notes in full, but not in part, at its option on any note payment date on or after the payment date occurring in January 2021. No payments of principal of the notes will be made during the revolving period.
Debt revolving period end date							2020-12
Private offering of investment grade asset-backed notes							$ 130,000,000
Weighted average rate							4.87%
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							$ 68,600,000
Description of Variable Rate Basis							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 LIBOR rate was 2.50% and 1.56% at December 31, 2018 and 2017, 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 5.50% and 4.50% at December 31, 2018 and 2017, respectively.
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							$ 33,500,000	$ 8,600,000
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							2.50%	1.56%
London Interbank Offered Rate (LIBOR) [Member] | Revolving Warehouse Credit Facility [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread			2.20%				3.50%
Interest rate							2.81%	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	3.00%	3.25%
London Interbank Offered Rate (LIBOR) [Member] | Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread							3.00%
Interest rate							2.50%	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%
Prime Rate [Member] | Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread							2.00%
Interest rate							5.50%	4.50%
Prime Rate [Member] | Senior Revolving Credit Facility [Member] | Availability Percentage Below 10% [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread							2.25%

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, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Assets
Cash	$ 3,657	$ 5,230	$ 4,446	$ 7,654
Finance receivables	932,243	817,463	717,775
Allowance for credit losses	(58,300)	(48,910)	(41,250)	(37,452)
Restricted cash	46,484	16,787	$ 8,297	$ 10,506
Other assets	8,375	16,012
Total assets	956,395	829,483
Liabilities
Net long-term debt	651,349	566,546
Accounts payable and accrued expenses	25,138	18,565
Total liabilities	677,234	590,072
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	168	70
Finance receivables	342,481	137,239
Allowance for credit losses	(18,378)	(7,129)
Restricted cash	39,361	10,734
Other assets	75	119
Total assets	363,707	141,033
Liabilities
Net long-term debt	324,879	116,658
Accounts payable and accrued expenses	25	53
Total liabilities	$ 324,904	$ 116,711

Long - Term Debt - Summary of E

Long - Term Debt - Summary of Estimated Principal Payments Required on Outstanding Debt (Detail) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Debt Disclosure [Abstract]
2,019	$ 13,954
2,020	423,648
2,021	155,138
2,022	58,796
2,023	8,971
Total	$ 660,507	$ 571,496

Disclosure About Fair Value o_3

Disclosure About Fair Value of Financial Instruments - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Turnover rate of loan portfolio	1.2

Disclosure About Fair Value o_4

Disclosure About Fair Value of Financial Instruments - Carrying Amount and Estimated Fair Values of Company's Financial Instruments (Detail) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Assets
Interest rate caps	$ 249	$ 98	$ 62	$ 120
Net finance receivables	873,943	768,553
Repossessed assets	124	431
Carrying Amount [Member] | Level 1 Inputs [Member]
Assets
Cash	3,657	5,230
Restricted cash	46,484	16,787
Carrying Amount [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	249	98
Carrying Amount [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	873,943	768,553
Repossessed assets	124	431
Liabilities
Long-term debt	660,507	571,496
Estimated Fair Value [Member] | Level 1 Inputs [Member]
Assets
Cash	3,657	5,230
Restricted cash	46,484	16,787
Estimated Fair Value [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	249	98
Estimated Fair Value [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	873,943	768,553
Repossessed assets	124	431
Liabilities
Long-term debt	$ 660,507	$ 571,496

Disclosure About Fair Value o_5

Disclosure About Fair Value of Financial Instruments - Schedule of Assets Measured at Fair Value on Recurring Basis (Detail) - Interest Rate Caps [Member] - Fair Value Measurements, Recurring [Member] - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on a recurring basis	$ 249	$ 98
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	$ 249	$ 98

Disclosure About Fair Value o_6

Disclosure About Fair Value of Financial Instruments - Schedule of Assets Measured at Fair Value on a Non-recurring Basis (Detail) - Fair Value Measurements, Nonrecurring [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Losses (charged off amount) adjustments to the assets at fair value	$ 142	$ 437
Assets measured at fair value on a nonrecurring basis	124	431
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	$ 124	$ 431

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Schedule Of Income Taxes [Line Items]
Federal corporate tax rate									21.00%	35.00%	35.00%
Benefit to income tax expense, Tax Act					$ (3,122)					$ (3,122)
State net operating loss carryforward	$ 8,200				9,700				$ 8,200	9,700
State net operating loss carryforwards expiration period									Jan. 1, 2020
Deferred tax assets, state taxes	300				300				$ 300	300
Income tax expense	$ 3,022	$ 2,237	$ 2,601	$ 2,697	$ 923	$ 3,235	$ 3,751	$ 2,385	10,557	10,294	$ 14,917
Tax benefit									$ 400	$ 1,600	$ 0
Tax Year 2014 [Member] | Texas [Member]
Schedule Of Income Taxes [Line Items]
Open tax year									2,014

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, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
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%	3.10%	3.30%
Excess tax benefits from share-based awards									(0.80%)	(4.00%)	0.00%
Research and development tax credits									(0.20%)	(1.00%)	(0.00%)
Tax Cuts and Jobs Act									0.00%	(7.80%)	0.00%
Other									(0.30%)	0.30%	0.00%
Effective tax rate									23.00%	25.60%	38.30%
Federal tax expense at statutory rate									$ 9,639	$ 14,090	$ 13,632
Increase (reduction) in income taxes resulting from:
State tax, net of federal benefit									1,521	1,253	1,275
Excess tax benefits from share-based awards									(370)	(1,603)
Research and development tax credits									(114)	(400)
Tax Cuts and Jobs Act					$ (3,122)					(3,122)
Other									(119)	76	10
Total	$ 3,022	$ 2,237	$ 2,601	$ 2,697	$ 923	$ 3,235	$ 3,751	$ 2,385	$ 10,557	$ 10,294	$ 14,917

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, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Current:
Federal									$ 12,442	$ 4,479	$ 11,431
State and local									2,329	821	1,584
Current total									14,771	5,300	13,015
Deferred:
Federal									(3,705)	4,464	1,694
State and local									(509)	530	208
Deferred total									(4,214)	4,994	1,902
Total	$ 3,022	$ 2,237	$ 2,601	$ 2,697	$ 923	$ 3,235	$ 3,751	$ 2,385	$ 10,557	$ 10,294	$ 14,917

Income Taxes - Net Deferred Tax

Income Taxes - Net Deferred Tax Assets and Liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Deferred tax assets:
Allowance for credit losses	$ 10,315	$ 6,491
Share-based compensation	3,406	2,314
Unearned insurance premiums	3,393	2,971
Accrued expenses	1,132	391
Amortization of intangible assets	376	424
State net operating loss carryforward	274	300
Deferred contract incentive	86	163
Other	86	206
Gross deferred tax assets	19,068	13,260
Deferred tax liabilities:
Fair market value adjustment of finance receivables	13,378	12,410
Tax over book depreciation	4,058	3,463
Deferred loan costs	1,814	1,633
Prepaid expenses	372	395
Other	193	320
Gross deferred tax liabilities	19,815	18,221
Net deferred tax liability	$ (747)	$ (4,961)

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, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Numerator:
Net income	$ 10,770	$ 7,449	$ 8,482	$ 8,644	$ 10,885	$ 5,309	$ 6,135	$ 7,634	$ 35,345	$ 29,963	$ 24,031
Denominator:
Weighted-average shares outstanding for basic earnings per share									11,655	11,551	11,824
Effect of dilutive securities									423	232	261
Weighted-average shares adjusted for dilutive securities									12,078	11,783	12,085
Basic	$ 0.92	$ 0.64	$ 0.73	$ 0.74	$ 0.94	$ 0.46	$ 0.53	$ 0.66	$ 3.03	$ 2.59	$ 2.03
Diluted	$ 0.90	$ 0.61	$ 0.70	$ 0.72	$ 0.92	$ 0.45	$ 0.52	$ 0.65	$ 2.93	$ 2.54	$ 1.99

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares shares in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Stock Compensation Plans [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase common stock, Shares	148	126	140

Employee Benefit Plans - Additi

Employee Benefit Plans - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Defined Contribution Plan Disclosure [Line Items]
Minimum service period required	6 months
Expense of employee related plan	$ 0.9	$ 0.8	$ 0.8
Matching Contribution up to 3% [Member]
Defined Contribution Plan Disclosure [Line Items]
Matching contribution	100.00%	100.00%	100.00%
Matching Contribution 3 to 5% [Member]
Defined Contribution Plan Disclosure [Line Items]
Matching contribution	50.00%	50.00%	50.00%
Employee Contribution Matched at 100% [Member]
Defined Contribution Plan Disclosure [Line Items]
Employee contribution	3.00%	3.00%	3.00%
Employee Contribution Matched at 50% [Member]
Defined Contribution Plan Disclosure [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, 2018	Dec. 31, 2017	Dec. 31, 2016	Apr. 22, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
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	$ 6.6
Period of recognition of share-based compensation expense	1 year 8 months 12 days
Share-based compensation expense	$ 6.9	$ 4.3	$ 4.2
Stock Compensation Plans [Member] | 2015 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum aggregate number of shares	1,550,000
Shares available for grant				922,000
Plan description	As of December 31, 2018, 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) 1.55 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, 2018	Dec. 31, 2017	Dec. 31, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Expected volatility	41.63%	43.95%	46.04%
Expected dividends	0.00%	0.00%	0.00%
Expected term (in years)	5 years 11 months 26 days	5 years 11 months 15 days	5 years 9 months 18 days
Risk-free rate	2.66%	2.09%	1.32%

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, 2018USD ($)$ / sharesshares
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Number of Shares, Options outstanding, Beginning balance | shares	958
Number of Shares, Granted | shares	112
Number of Shares, Exercised | shares	(89)
Number of Shares, Forfeited | shares	0
Number of Shares, Expired | shares	0
Number of Shares, Options outstanding, Ending balance | shares	981
Number of Shares, Options exercisable | shares	871
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	16.62
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	18.69
Weighted Average Exercise Price Per Share, Options exercisable | $ / shares	$ 17.83
Weighted Average Remaining Contractual Life (Years), Options outstanding	6 years 7 months 6 days
Weighted Average Remaining Contractual Life (Years), Options exercisable	6 years 3 months 18 days
Aggregate Intrinsic Value, Options outstanding | $	$ 5,982
Aggregate Intrinsic Value, Options exercisable | $	$ 5,842

Share-based Compensation - Su_2

Share-based Compensation - Summary of Additional Stock Option Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Weighted-average grant date fair value per share	$ 12.39	$ 8.90	$ 7.74
Intrinsic value of options exercised	$ 1,604	$ 4,981	$ 1,397
Fair value of stock options that vested	$ 1,809	$ 3,004	$ 2,131

Share-based Compensation - Su_3

Share-based Compensation - Summary of RSU Activity (Detail) - Restricted Stock Units (RSUs) [Member] - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
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 December 31, 2018	182	201
Weighted Average Grant Date Fair Value, Non-vested, January 1, 2018	$ 17.33
Weighted Average Grant Date Fair Value, Granted	28.25	$ 19.99	$ 17.02
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 December 31, 2018	$ 21.89	$ 17.33

Share-based Compensation - Su_4

Share-based Compensation - Summary of Additional RSU Information (Detail) - $ / shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
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	$ 17.02

Share-based Compensation - Su_5

Share-based Compensation - Summary of CSPU Activity (Detail) - Performance Units [Member] shares in Thousands	12 Months Ended
	Dec. 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 December 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 December 31, 2018 | $ / shares	$ 1

Share-based Compensation - Su_6

Share-based Compensation - Summary of Restricted Stock Activity (Detail) - Restricted Stock [Member] - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested, January 1, 2018	53
Granted	101
Vested	(83)
Forfeited	0
Non-vested, at December 31, 2018	71	53
Weighted Average Grant Date Fair Value, Non-vested, January 1, 2018	$ 19.36
Weighted Average Grant Date Fair Value, Granted	24.98	$ 18.38	$ 16.37
Weighted Average Grant Date Fair Value, Vested	19.64
Weighted Average Grant Date Fair Value, Forfeited	0
Weighted Average Grant Date Fair Value, Non-vested, at December 31, 2018	$ 26.95	$ 19.36

Share-based Compensation - Su_7

Share-based Compensation - Summary of Additional Restricted Stock Information (Detail) - Restricted Stock [Member] - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per share	$ 24.98	$ 18.38	$ 16.37
Fair value of restricted stock awards that vested	$ 1,609	$ 983	$ 347

Insurance Products and Reinsu_3

Insurance Products and Reinsurance of Certain Risks - Additional Information (Detail) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Insurance [Line Items]
Restricted cash	$ 46,484	$ 16,787	$ 8,297	$ 10,506
Letter of credit	100	500
Insurance Cash Reserves [Member]
Insurance [Line Items]
Restricted cash	$ 7,100	$ 6,100

Insurance Products and Reinsu_4

Insurance Products and Reinsurance of Certain Risks - Schedule of Components of Insurance Income, Net (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Insurance [Abstract]
Earned premiums	$ 31,095	$ 25,860	$ 23,191
Claims, reserves, and certain direct expenses	(16,302)	(12,799)	(13,735)
Insurance income, net	$ 14,793	$ 13,061	$ 9,456

Quarterly Information (Unaudi_3

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, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Quarterly Financial Information Disclosure [Abstract]
Total revenue	$ 83,749	$ 77,916	$ 72,416	$ 72,625	$ 72,107	$ 69,194	$ 65,338	$ 65,820	$ 306,706	$ 272,459	$ 240,518
Provision for credit losses	23,698	23,640	20,203	19,515	19,464	20,152	18,589	19,134	87,056	77,339	63,014
General and administrative expenses	36,616	35,861	33,215	34,592	34,019	33,840	31,642	31,454	140,284	130,955	118,632
Interest expense	9,643	8,729	7,915	7,177	6,816	6,658	5,221	5,213	33,464	23,908	19,924
Income tax	3,022	2,237	2,601	2,697	923	3,235	3,751	2,385	10,557	10,294	14,917
Net income	$ 10,770	$ 7,449	$ 8,482	$ 8,644	$ 10,885	$ 5,309	$ 6,135	$ 7,634	$ 35,345	$ 29,963	$ 24,031
Net income per common share:
Basic	$ 0.92	$ 0.64	$ 0.73	$ 0.74	$ 0.94	$ 0.46	$ 0.53	$ 0.66	$ 3.03	$ 2.59	$ 2.03
Diluted	$ 0.90	$ 0.61	$ 0.70	$ 0.72	$ 0.92	$ 0.45	$ 0.52	$ 0.65	$ 2.93	$ 2.54	$ 1.99

Quarterly Information (Unaudi_4

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	Sep. 30, 2018	Dec. 31, 2017	Sep. 30, 2017	Mar. 31, 2017	Dec. 31, 2017
Quarterly Information [Line Items]
Incremental hurricane allowance for credit losses		$ 3,900		$ 3,000
Tax benefit related to the exercise of stock options					$ 1,500
Provisional benefit to income tax expense, Tax Act			$ 3,122			$ 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