Regional Management (RM) 10-K 16 Mar 20 2019 FY Annual report Financial data

Cover Page

Cover Page - USD ($)	12 Months Ended
	Dec. 31, 2019	Mar. 12, 2020	Jun. 28, 2019
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Trading Symbol	RM
Entity Registrant Name	Regional Management Corp.
Entity Central Index Key	0001519401
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 Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Interactive Data Current	Yes
Security Exchange Name	NYSE
Title of 12(b) Security	Common Stock
Entity Address, State or Province	SC
Entity Common Stock, Shares Outstanding		11,017,073
Entity Public Float			$ 256,875,391

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash	$ 2,263	$ 3,657
Gross finance receivables	1,500,962	1,237,526
Unearned finance charges and insurance premiums	(396,149)	(305,283)
Finance receivables	1,104,813	932,243
Allowance for credit losses	(62,200)	(58,300)
Net finance receivables	1,042,613	873,943
Restricted cash	54,164	46,484
Lease assets	26,438
Property and equipment	15,301	13,926
Intangible assets	9,438	10,010
Deferred tax asset	619
Other assets	7,704	8,375
Total assets	1,158,540	956,395
Liabilities:
Long-term debt	808,218	660,507
Unamortized debt issuance costs	(9,607)	(9,158)
Net long-term debt	798,611	651,349
Accounts payable and accrued expenses	28,676	25,138
Lease liabilities	28,470
Deferred tax liability		747
Total liabilities	855,757	677,234
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, 13,497 shares issued and 11,013 shares outstanding at December 31, 2019 and 13,323 shares issued and 11,777 shares outstanding at December 31, 2018)	1,350	1,332
Additional paid-in-capital	102,678	98,778
Retained earnings	248,829	204,097
Treasury stock (2,484 shares at December 31, 2019 and 1,546 shares at December 31, 2018)	(50,074)	(25,046)
Total stockholders' equity	302,783	279,161
Total liabilities and stockholders' equity	1,158,540	956,395
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	152	168
Finance receivables	474,340	342,481
Allowance for credit losses	(22,015)	(18,378)
Restricted cash	44,221	39,361
Other assets	68	75
Total assets	496,766	363,707
Liabilities:
Net long-term debt	450,297	324,879
Accounts payable and accrued expenses	86	25
Total liabilities	$ 450,383	$ 324,904

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2019	Dec. 31, 2018
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	13,497,000	13,323,000
Common stock, shares outstanding	11,013,000	11,777,000
Treasury stock, shares	2,484,000	1,546,000

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Revenue
Interest and fee income	$ 321,169	$ 280,121	$ 249,034
Insurance income, net	20,817	14,793	13,061
Other income	13,727	11,792	10,364
Total revenue	355,713	306,706	272,459
Expenses
Provision for credit losses	99,611	87,056	77,339
Personnel	94,000	84,068	75,992
Occupancy	24,618	22,519	21,530
Marketing	8,206	7,745	7,128
Other	30,160	25,952	26,305
Total general and administrative expenses	156,984	140,284	130,955
Interest expense	40,125	33,464	23,908
Income before income taxes	58,993	45,902	40,257
Income taxes	14,261	10,557	10,294
Net income	$ 44,732	$ 35,345	$ 29,963
Net income per common share:
Basic	$ 3.92	$ 3.03	$ 2.59
Diluted	$ 3.80	$ 2.93	$ 2.54
Weighted-average common shares outstanding:
Basic	11,401	11,655	11,551
Diluted	11,773	12,078	11,783

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, 2016	$ 207,475	$ 1,300	$ 92,432	$ 138,789	$ (25,046)
Beginning Balance, shares at Dec. 31, 2016		12,996
Issuance of restricted stock awards		$ 7	(7)
Issuance of restricted stock awards, shares		74
Exercise of stock options	334	$ 29	305
Exercise of stock options, shares		289
Shares withheld related to net share settlement	(2,021)	$ (15)	(2,006)
Shares withheld related to net share settlement, shares		(154)
Share-based compensation	3,660		3,660
Net income	29,963			29,963
Ending Balance at Dec. 31, 2017	239,411	$ 1,321	94,384	168,752	(25,046)
Ending Balance, shares at Dec. 31, 2017		13,205
Issuance of restricted stock awards		$ 10	(10)
Issuance of restricted stock awards, shares		101
Exercise of stock options	8	$ 8
Exercise of stock options, shares		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
Issuance of restricted stock awards		$ 21	(21)
Issuance of restricted stock awards, shares		211
Exercise of stock options	$ 2	$ 2
Exercise of stock options, shares	16	16
Repurchase of common stock	$ (25,028)				(25,028)
Shares withheld related to net share settlement	(1,231)	$ (5)	(1,226)
Shares withheld related to net share settlement, shares		(53)
Share-based compensation	5,147		5,147
Net income	44,732			44,732
Ending Balance at Dec. 31, 2019	$ 302,783	$ 1,350	$ 102,678	$ 248,829	$ (50,074)
Ending Balance, shares at Dec. 31, 2019		13,497

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash flows from operating activities:
Net income	$ 44,732	$ 35,345	$ 29,963
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	99,611	87,056	77,339
Depreciation and amortization	10,856	8,803	7,357
Loss on disposal of property and equipment	94	24	245
Share-based compensation	5,147	5,262	3,660
Fair value adjustment on interest rate caps	249	330	64
Deferred income taxes, net	(1,366)	(4,214)	4,994
Changes in operating assets and liabilities:
(Increase) decrease in other assets	2,456	7,306	(11,294)
Increase in accounts payable and accrued expenses	3,283	6,373	3,105
Net cash provided by operating activities	165,062	146,285	115,433
Cash flows from investing activities:
Net originations of finance receivables	(268,281)	(192,446)	(169,366)
Purchases of intangible assets	(1,603)	(1,446)	(6,355)
Purchases of property and equipment	(5,804)	(5,352)	(4,765)
Proceeds from disposal of property and equipment	59		558
Net cash used in investing activities	(275,629)	(199,244)	(179,928)
Cash flows from financing activities:
Net advances (payments) on senior revolving credit facility	22,744	(123,977)	(799)
Net proceeds from (payments on) amortizing loan	(21,642)	(31,738)	14,551
Net advances (payments) on revolving warehouse credit facility	16,507	(35,940)	66,066
Net advances on securitizations	130,102	280,665
Payments for debt issuance costs	(4,891)	(7,235)	(4,547)
Taxes paid related to net share settlement of equity awards	(939)	(692)	(1,809)
Proceeds from exercise of stock options			307
Repurchases of common stock	(25,028)
Net cash provided by financing activities	116,853	81,083	73,769
Net change in cash and restricted cash	6,286	28,124	9,274
Cash and restricted cash at beginning of period	50,141	22,017	12,743
Cash and restricted cash at end of period	56,427	50,141	22,017
Supplemental cash flow information:
Interest paid	35,478	30,127	20,460
Income taxes paid	$ 14,695	$ 3,600	$ 15,681

Consolidated Statements of Ca_2

Consolidated Statements of Cash Flows (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Statement of Cash Flows [Abstract]
Cash	$ 2,263	$ 3,657	$ 5,230	$ 4,446
Restricted cash	54,164	46,484	16,787	8,297
Total cash and restricted cash	$ 56,427	$ 50,141	$ 22,017	$ 12,743

Nature of Business

Nature of Business	12 Months Ended
	Dec. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Business	Note 1. Nature of Business Regional Management Corp. (the “ Company Mid-Atlantic, net 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, and

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2019
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. The general component of the allowance is primarily 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: The Company leases its current headquarters building. Branch offices are leased under non-cancellable leases of three to seven years with renewal options. Leasehold improvements are depreciated over the shorter of their useful lives or the remaining term of the lease. Furniture and equipment are depreciated on the straight-line method over their estimated useful lives, generally five to ten years. Maintenance and repairs are charged to expense as incurred. Restricted cash: Derivative instruments: Income recognition: Interest income is recognized using the interest method (constant yield method). Therefore, the Company recognizes revenue from interest at an equal rate over the term of the loan. Unearned finance charges on pre-compute contracts are rebated to customers utilizing statutory methods, which in many cases is the sum-of-the-years’ digits method. The difference between income recognized under the constant yield method and the statutory method is recognized as an adjustment to interest income at the time of rebate. Accrual of interest income on finance receivables is suspended when an account becomes days delinquent. If the account is charged off, the accrued interest income is reversed as a reduction of interest and fee income. The Company recognizes income on credit life insurance, credit property insurance, and automobile insurance using the sum-of-the-years’ digits or straight-line methods over the terms of the policies. The Company recognizes income on credit accident and health insurance using the average of the sum-of-the-years’ digits and the straight-line methods over the terms of the policies. The Company recognizes income on credit involuntary unemployment insurance using the straight-line method over the terms of the policies. Rebates are computed using statutory methods, which in many cases match the GAAP method, and where it does not match, the difference between the GAAP method and the statutory method is recognized in income at the time of rebate. Fee income for non-file insurance is recognized using the sum-of-the-years’ digits method over the loan term. Charges for late fees are recognized as income when collected. Finance receivable origination fees and costs: Non-refundable fees received and direct costs incurred for the origination of finance receivables are deferred and recognized to interest income over their contractual lives using the constant yield method. amounts are recognized in income at the time that finance receivables are paid in full. Share-based compensation: The Company measures compensation cost for share-based awards at estimated fair value and recognizes compensation expense over the service period for awards expected to vest. The Company uses the closing stock price on the date of grant as the fair value of restricted stock awards. The fair value of stock options is determined using the Black- valuation model. The Black- model requires the input of highly subjective assumptions, including expected volatility, risk-free interest rate, and expected life, changes to which can materially affect the fair value estimate. The Company estimates volatility using its historical stock prices. The risk-free rate is based on the zero coupon U.S. Treasury bond rate for the expected term of the award on the grant date. 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. In addition, the estimation of share-based awards that will ultimately vest requires judgment, and to the extent actual results or updated estimates differ from current estimates, such amounts will be recorded as a cumulative adjustment in the period estimates are revised. Marketing costs: Marketing costs are expensed as incurred. Income taxes: The Company records a tax provision for the anticipated tax consequences of its reported operating results. The provision for income taxes is computed using the asset and liability method, under which deferred tax assets and liabilities are recognized for the future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effects of future tax rate changes are recognized in the period when the enactment of new rates occurs. 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 % likely to be realized upon settlement with a taxing authority. 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. Earnings per share: Earnings per share have been computed based on the weighted-average number of common shares outstanding during each reporting period presented. Common shares issuable upon the exercise of share-based compensation, which are computed using the treasury stock method, are included in the computation of diluted earnings per share. Recent accounting pronouncements: In February 2016, the Financial Accounting Standards Board (the “ FASB ”) issued an accounting update to increase transparency and comparability of accounting for lease transactions. The update required: (i) all leases to be recognized on the balance sheet as lease (right-of-use) assets and lease liabilities and (ii) both quantitative and qualitative disclosures regarding key information about leasing arrangements. The update was effective for annual and interim periods beginning after December 15, 2018. The Company completed the implementation of third-party software to facilitate compliance with the accounting and reporting requirements of the lease standard. Prior to adoption, all of the Company’s leases were classified as operating leases, with no lease assets or liabilities recorded. The Company transitioned to this accounting change on a modified retrospective basis by recording the cumulative-effect of lease assets and liabilities for active leases as of January 1, 2019. The Company did not restate comparative periods in transition and elected to use the effective date of January 1, 2019 as the initial date of transition. The Company also elected to utilize the package of transition practical expedients, which included not reassessing the following: (i) whether existing contracts contain leases, (ii) the existing classification of leases as operating or financing, or (iii) the initial direct costs of leases. The Company did not use hindsight to determine the lease term or include options to extend for leases existing at the transition date. In addition, the Company elected not to apply the new lease standard to leases with terms of twelve months or less. As a result of the adoption of the new lease standard on January 1, 2019, the Company recorded $ million for both lease liabilities and the corresponding lease assets. The lease liabilities were based on the present value of the remaining minimum rental payments using discount rates as of the effective date. There was no impact to the consolidated statements of income related to the adoption of this standard. The adoption of this standard did not require the Company to alter its debt covenants. In June 2016, the FASB issued an accounting update significantly changing the impairment model for estimating credit losses on financial assets. While the then-existing incurred loss impairment model required the recognition of credit losses when it was probable that a loss ha d CECL The Company’s cross-functional CECL implementation team, software vendor, and consulting team have completed the established implementation plan to ensure compliance with the accounting update at the time of adoption. The Company continues to finalize refinements to the future state business processes, policies, controls, and related documentation, and those items are being audited. Based on analys e of $122 million. The allowance under the prior incurred loss approach was $62 million as of December 31, 2019. Effective January 1, 2020, the adoption of CECL accounting, d million and a one-time, cumulative reduction to retained earnings of $46 million (net of $14 million in taxes). The Company’s allowance for credit losses of 5.8% as a percentage of finance receivables on December 31, 2019 increase d accounting The following table illustrates the impact of the CECL accounting adoption by product: December 31, 2019 January 1, 2020 In thousands Pre- A Impact of Adoption CECL Allowance Small loans $ 30,588 $ 24,185 $ 54,773 Large loans 29,148 33,550 62,698 Automobile loans 820 599 1,419 Retail loans 1,644 1,766 3,410 Allowance for credit losses $ 62,200 $ 60,100 $ 122,300 Beginning in January 2020 with the adoption of CECL accounting, the Company will reclassify unearned insurance premiums out of the finance receivables line item to align its consolidated balance sheet presentation with the amortized cost definition in the new accounting standard. The tables below illustrate the impacts of this reclassification to the Company’s previously reported balance sheet presentation of receivables and other key metrics: Quarterly Trend – As Reported (Pre-CECL In thousands 3/31/2019 6/30/2019 9/30/2019 12/31/2019 Gross finance receivables $ 1,204,495 $ 1,300,043 $ 1,404,172 $ 1,500,962 Unearned finance charges (273,651 ) (305,063 ) (337,086 ) (367,558 ) Unearned insurance premiums (18,594 ) (21,546 ) (24,900 ) (28,591 ) Finance receivables 912,250 973,434 1,042,186 1,104,813 Allowance for credit losses (56,400 ) (57,200 ) (60,900 ) (62,200 ) Net finance receivables $ 855,850 $ 916,234 $ 981,286 $ 1,042,613 Average finance receivables $ 924,948 $ 934,373 $ 1,010,515 $ 1,071,265 As a % of finance receivables: Allowance for credit losses 6.2 % 5.9 % 5.8 % 5.6 % 30+ day contractual delinquency 7.0 % 6.4 % 6.6 % 7.2 % As a % of average finance receivables: Interest and fee yield (annualized) 32.1 % 32.5 % 32.9 % 32.8 % Operating expense ratio (annualized) 16.5 % 16.2 % 15.9 % 15.3 % Net credit loss ratio (annualized) 10.9 % 10.7 % 8.2 % 9.2 % Quarterly Trend – Amortized Cost Basis (Post-CECL Adoption) In thousands 3/31/2019 6/30/2019 9/30/2019 12/31/2019 Finance receivables $ 930,844 $ 994,980 $ 1,067,086 $ 1,133,404 Unearned insurance premiums (18,594 ) (21,546 ) (24,900 ) (28,591 ) Allowance for credit losses (56,400 ) (57,200 ) (60,900 ) (62,200 ) Net finance receivables $ 855,850 $ 916,234 $ 981,286 $ 1,042,613 Average finance receivables $ 944,763 $ 954,940 $ 1,033,939 $ 1,098,410 As a % of finance receivables: Allowance for credit losses 6.1 % 5.7 % 5.7 % 5.5 % 30+ day contractual delinquency 6.9 % 6.3 % 6.5 % 7.0 % As a % of average finance receivables: Interest and fee yield (annualized) 31.5 % 31.8 % 32.1 % 32.0 % Operating expense ratio (annualized) 16.2 % 15.8 % 15.5 % 14.9 % Net credit loss ratio (annualized) 10.7 % 10.4 % 8.1 % 9.0 % Quarterly Trend – Reclassification Change In thousands 3/31/2019 6/30/2019 9/30/2019 12/31/2019 Finance receivables $ 18,594 $ 21,546 $ 24,900 $ 28,591 Average finance receivables $ 19,815 $ 20,567 $ 23,424 $ 27,145 As a % of finance receivables: Allowance for credit losses (0.1 )% (0.2 )% (0.1 )% (0.1 )% 30+ day contractual delinquency (0.1 )% (0.1 )% (0.1 )% (0.2 )% As a % of average finance receivables: Interest and fee yield (annualized) (0.6 )% (0.7 )% (0.8 )% (0.8 )% Operating expense ratio (annualized) (0.3 )% (0.4 )% (0.4 )% (0.4 )% Net credit loss ratio (annualized) (0.2 )% (0.3 )% (0.1 )% (0.2 )% 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, 2019
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 state (Virginia), and two Midwestern states (Missouri and Wisconsin). Consequently, such customers’ ability to honor their installment contracts may be affected by economic conditions in these areas. Additionally, the Company is exposed to a concentration of credit risk inherent in providing consumer finance products to near prime and non-prime borrowers. 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, 2019
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 2019 2018 Small loans $ 462,499 $ 437,662 Large loans 608,608 437,998 Automobile loans 9,623 26,154 Retail loans 24,083 30,429 Finance receivables $ 1,104,813 $ 932,243 The contractual delinquency of the finance receivable portfolio by product and aging for the periods indicated are as follows: December 31, 2019 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 372,921 80.7 % $ 523,936 86.1 % $ 6,906 71.8 % $ 18,093 75.1 % $ 921,856 83.4 % 1 to 29 days past due 47,313 10.2 % 51,118 8.4 % 1,963 20.4 % 3,531 14.7 % 103,925 9.4 % Delinquent accounts 30 to 59 days 12,666 2.8 % 11,351 1.9 % 240 2.5 % 853 3.6 % 25,110 2.3 % 60 to 89 days 9,889 2.1 % 8,103 1.3 % 110 1.1 % 563 2.3 % 18,665 1.7 % 90 to 119 days 7,500 1.6 % 5,832 1.0 % 129 1.4 % 375 1.5 % 13,836 1.3 % 120 to 149 days 6,570 1.4 % 4,541 0.7 % 127 1.3 % 357 1.5 % 11,595 1.0 % 150 to 179 days 5,640 1.2 % 3,727 0.6 % 148 1.5 % 311 1.3 % 9,826 0.9 % Total delinquency $ 42,265 9.1 % $ 33,554 5.5 % $ 754 7.8 % $ 2,459 10.2 % $ 79,032 7.2 % Total finance receivables $ 462,499 100.0 % $ 608,608 100.0 % $ 9,623 100.0 % $ 24,083 100.0 % $ 1,104,813 100.0 % Finance receivables in nonaccrual status $ 22,718 4.9 % $ 17,739 2.9 % $ 590 6.1 % $ 1,186 4.9 % $ 42,233 3.8 % 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 % Changes in the allowance for credit losses for the periods indicated are as follows: Year Ended December 31, In thousands 2019 2018 2017 Balance at beginning of period $ 58,300 $ 48,910 $ 41,250 Provision for credit losses 99,611 87,056 77,339 Credit losses (100,056 ) (82,341 ) (75,880 ) Recoveries 4,345 4,675 6,201 Balance at end of period $ 62,200 $ 58,300 $ 48,910 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 e 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 , 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 hurricanes. As of June 30, 2019, the allowance for credit losses no longer required or included an incremental hurricane allowance. In September 2017, the Company recorded a $3.0 million increase to the allowance for credit losses related to estimated incremental credit losses on customer accounts impacted by hurricanes. As of June 30, 2018, the allowance for credit losses no longer required or included an incremental hurricane allowance. 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 , the loss emergence period for each finance receivable type changed as follows: small loan finance receivables increased from seven to ; large loan finance receivables decreased from ten to ; automobile loan finance receivables decreased from twelve to nine months; and retail loan finance receivables decreased from eleven to . These net changes in the loss emergence periods decreased the Company’s allowance for credit losses by $ million, which increased net income for the year ended December , by $ million, or $ diluted earnings per share. During , the loss emergence period for each finance receivable type neither required nor included any changes. The Company sells previously charged-off loans for all products in the portfolio to a third-party debt buyer. The proceeds from these sales are recognized as a recovery in the allowance for credit losses. In , the Company recognized a recovery of $ million from the bulk sale of previously charged-off customer accounts in bankruptcy. These accounts had been excluded from previous sales of charged-off loans. The following is a reconciliation of the allowance for credit losses by product for the periods indicated: In thousands Balance January 1, Provision Credit Recoveries Balance December 31, Finance Receivables December 31, Allowance as Percentage of December 31, 2019 Small loans $ 30,759 $ 54,842 $ (57,323 ) $ 2,310 $ 30,588 $ 462,499 6.6 % Large loans 23,702 41,278 (37,475 ) 1,643 29,148 608,608 4.8 % Automobile loans 1,893 575 (1,893 ) 245 820 9,623 8.5 % Retail loans 1,946 2,916 (3,365 ) 147 1,644 24,083 6.8 % Total $ 58,300 $ 99,611 $ (100,056 ) $ 4,345 $ 62,200 $ 1,104,813 5.6 % In thousands Balance January 1, Provision Credit Recoveries Balance December 31, Finance Receivables December 31, Allowance as Percentage of December 31, 2018 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 January 1, Provision Credit Recoveries Balance December 31, Finance Receivables December 31, Allowance as Percentage of December 31, 2017 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 % Impaired finance receivables as a percentage of total finance receivables were 2.8% and 2.9% for the years ended December 31, 2019 and 2018, respectively. The following is a summary of finance receivables evaluated for impairment for the periods indicated: December 31, 2019 In thousands Small Large Automobile Retail Total Impaired receivables specifically evaluated $ 9,920 $ 20,667 $ 652 $ 130 $ 31,369 Finance receivables evaluated collectively 452,579 587,941 8,971 23,953 1,073,444 Finance receivables outstanding $ 462,499 $ 608,608 $ 9,623 $ 24,083 $ 1,104,813 Impaired receivables in nonaccrual status $ 1,629 $ 3,189 $ 184 $ 40 $ 5,042 Amount of the specific reserve for impaired accounts $ 4,069 $ 7,733 $ 386 $ 69 $ 12,257 Amount of the general component of the allowance $ 26,519 $ 21,415 $ 434 $ 1,575 $ 49,943 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 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, 2019 2018 In thousands Average Interest Income Average Interest Income Small loans $ 9,723 $ 1,551 $ 6,577 $ 1,066 Large loans 18,938 2,538 13,221 1,639 Automobile loans 786 37 1,381 60 Retail loans 129 5 109 6 Total $ 29,576 $ 4,131 $ 21,288 $ 2,771

Property and Equipment

Property and Equipment	12 Months Ended
	Dec. 31, 2019
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 2019 2018 Furniture, fixtures, and equipment $ 25,185 $ 23,131 Leasehold improvements 12,110 10,578 Property and equipment cost 37,295 33,709 Less accumulated depreciation 21,994 19,783 Property and equipment, net of accumulated depreciation $ 15,301 $ 13,926 Depreciation expense for the years ended December 31, 2019, 2018, and 2017 totaled $ 4.3 3.7 3.4

Leases

Leases	12 Months Ended
	Dec. 31, 2019
Leases [Abstract]
Leases	Note 6. Leases The Company adopted a new lease accounting standard in January 2019. See Note 2, “Significant Accounting Policies,” for an overview of the transition to this standard. The Company maintains lease agreements related to its branch network and for its corporate headquarters. The branch lease agreements range from five to seven years and generally contain options to extend from three to five years. The corporate headquarters lease agreement is for eleven years and contains an option to extend for ten years. All of the Company’s lease agreements are considered operating leases. None of the Company’s lease payments are dependent on an index that may change after the commencement date. The Company’s lease liability was $28.5 million as of December 31, 2019. This liability is based on the present value of the remaining minimum rental payments using a discount rate that is based on the Company’s incremental borrowing rate on its senior revolving credit facility. The lease asset was $26.4 million as of December 31, 2019. This asset includes right-of-use assets equaling the lease liability, net of prepaid rent and deferred rents that existed as of the adoption of the new lease standard. The Company assesses its leased assets for impairment when events or changes in circumstances indicate that the carrying value may not be recoverable. If a lease is impaired, the impairment loss is recognized in lease costs and the right-of-use asset is reduced to the impaired value. The Company has made several policy elections related to lease assets and liabilities. The Company elected to utilize the package of transition practical expedients, which includes not reassessing the following at adoption: (i) whether existing contracts contained leases, (ii) the existing classification of leases as operating or financing, or (iii) the initial direct costs of leases. In addition, the Company did not use hindsight to determine the lease term or include options to extend for leases existing at the transition date. Lease agreements with terms of twelve months or less are not capitalized as part of lease assets or liabilities and are expensed as incurred. The Company has elected to account for each separate lease component of a contract and its associated non-lease components as a single lease component for its branch leases. The Company has elected not to apply this policy in relation to the corporate headquarters lease. The Company has also determined that it is reasonably certain that the first option to extend lease contracts will be exercised for new branch locations; therefore, the first option to extend is included in the lease asset and liability calculation. Future maturities of the Company’s operating lease liabilities are as follows: In thousands December 31, 2020 $ 7,047 2021 6,562 2022 5,242 2023 4,641 2024 3,596 Thereafter 6,186 Total future minimum lease payments 33,274 Present value adjustment (4,804 ) Operating lease liability $ 28,470 The Company’s operating and short-term lease expenses are presented below: In thousands Year Ended December 31, 2019 Operating leases $ 7,929 Short-term leases 435 Total lease expense $ 8,364 Supplemental cash flow and non-cash In thousands Year Ended December 31, 2019 Cash paid for operating leases $ 7,379 Lease assets and liabilities acquired (1) $ 10,102 (1) Excludes $24.1 million of lease assets and liabilities recorded on the transition date. As of December 31, 2019, the weighted-average remaining lease term and weighted-average discount rate were 5.6 years and 5.40%, respectively. Rent expense for the years ended December 31, 2019, 2018, and 2017 equaled $8.4 million, $8.1 million, and $7.7 million, respectively. In addition to rent, the Company typically pays for all operating expenses, property taxes, and repairs and maintenance on properties that it leases.

Intangible Assets

Intangible Assets	12 Months Ended
	Dec. 31, 2019
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, 2019 December 31, 2018 In thousands Gross Carrying Amount Accumulated Amortization Net Gross Carrying Amount Accumulated Amortization Net Software $ 15,389 $ (6,667 ) $ 8,722 $ 13,811 $ (4,517 ) $ 9,294 Goodwill 950 (234 ) 716 950 (234 ) 716 Total intangible assets $ 16,339 $ (6,901 ) $ 9,438 $ 14,761 $ (4,751 ) $ 10,010 Intangible amortization expense for the years ended December 31, 2019, 2018, and 2017 totaled $ 2.2 2.0 2.2 In thousands Amount 2020 $ 2,120 2021 1,966 2022 1,870 2023 1,596 2024 915 Thereafter 255 Total $ 8,722 The Company performs an annual impairment test on goodwill during the fourth quarter of each fiscal year. There were no

Other Assets

Other Assets	12 Months Ended
	Dec. 31, 2019
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 2019 2018 Prepaid expenses $ 3,256 $ 4,167 Credit insurance receivable 2,061 1,027 Card payments receivable 1,853 2,292 Other 534 889 Total o assets $ 7,704 $ 8,375

Interest Rate Caps

Interest Rate Caps	12 Months Ended
	Dec. 31, 2019
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 $ 350.0 one-month 1.76 2.50 100.0 3.25 50.0 2.50 200.0 3.50 one-month one-month December 31, In thousands 2019 2018 2017 Balance at beginning of period $ 249 $ 98 $ 62 Purchases — 481 100 Fair value adjustment included as an increase in interest expense (249 ) (330 ) (64 ) Balance at end of period, included in other assets $ — $ 249 $ 98 See Note 20, “Subsequent Events,” for information regarding the purchase of an interest rate cap contract in March 2020.

Long-Term Debt

Long-Term Debt	12 Months Ended
	Dec. 31, 2019
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, 2019 December 31, 2018 In thousands Long-Term Unamortized Net Long-Term Long-Term Unamortized Net Long-Term Senior revolving credit facility $ 350,818 $ (2,504 ) $ 348,314 $ 328,074 $ (1,604 ) $ 326,470 Amortizing loan — — — 21,642 (201 ) 21,441 Revolving warehouse credit facility 46,633 (1,875 ) 44,758 30,126 (1,899 ) 28,227 RMIT 2018-1 150,246 (1,558 ) 148,688 150,246 (2,849 ) 147,397 RMIT 2018-2 130,349 (1,687 ) 128,662 130,419 (2,605 ) 127,814 RMIT 2019-1 130,172 (1,983 ) 128,189 — — — Total $ 808,218 $ (9,607 ) $ 798,611 $ 660,507 $ (9,158 ) $ 651,349 Unused amount of revolving credit facilities (subject to borrowing base) $ 369,271 $ 406,600 Senior Revolving Credit Facility: one-month 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 $39.4 million and $33.5 million as of December 31, 2019 and 2018, 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 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: The amended and restated credit agreement provided for an additional advance in the amount of $37.8 million and extended the maturity date to December 2024. The amended and restated credit agreement also allowed the Company to prepay the loan when the outstanding balance fell below 20% of the original loan amount. In October 2019, the Company and RMR I exercised the right to make an optional principal repayment in full, and in connection with such prepayment, the facility terminated. Revolving Warehouse Credit Facility: In , the Company and its wholly-owned SPE, Regional Management Receivables II, LLC (“ RMR II ”), amended the credit agreement that provides for a $ million revolving warehouse credit facility to RMR II. The amendment extended the date at which the facility converts to an amortizing loan and the termination date to and , respectively. The facility has an accordion provision that allows for the expansion of the facility to $ million. The debt is secured by finance receivables and other related assets that the Company purchased from its affiliates, which the Company then sold and transferred to RMR II. Advances on the facility are capped at % of eligible finance receivables. RMR II held $ million in restricted cash reserves as of December , to satisfy provisions of the credit agreement. Borrowings under the facility bear interest, payable monthly, at a blended rate equal to three-month LIBOR, plus a margin of 2.15% (2.20% prior to the October 2019 amendment). The three-month LIBOR was 1.91% and 2.81% at December 31, 2019 and 2018, respectively. RMR II pays an unused commitment fee between 0.35% and 0.85% based upon the average daily utilization of the facility. RMIT 2018-1 In , the Company, its wholly-owned SPE, Regional Management Receivables III, LLC (“ RMR III ”), and its indirect wholly-owned SPE, Regional Management Issuance Trust 2018-1 (“ RMIT 2018-1 ”), completed a private offering and sale of $ million of asset-backed notes. The transaction consisted of the issuance of three classes of fixed-rate asset-backed notes by RMIT 2018-1. The asset-backed notes are secured by finance receivables and other related assets that RMR III purchased from the Company, which RMR III then sold and transferred to RMIT 2018-1. The notes have a revolving period ending in , with a final maturity date in . RMIT 2018-1 held $ million in restricted cash reserves as of December , to satisfy provisions of the transaction documents. Borrowings under the RMIT 2018-1 bear interest, payable monthly, at a weighted-average rate of %. Prior to maturity in , 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 . No payments of principal of the notes will be made during the revolving period. RMIT 2018-2 In , the Company, RMR III, and the Company’s indirect wholly-owned SPE, Regional Management Issuance Trust 2018-2 (“ RMIT 2018-2 ”), completed a private offering and sale of $ million of asset-backed notes. The transaction consisted of the issuance of four classes of fixed-rate asset-backed notes by RMIT 2018-2. The asset-backed notes are secured by finance receivables and other related assets that RMR III purchased from the Company, which RMR III then sold and transferred to RMIT 2018-2. The notes have a revolving period ending in , with a final maturity date in . RMIT 2018-2 held $ million in restricted cash reserves as of December , to satisfy provisions of the transaction documents. Borrowings under the RMIT 2018-2 bear interest, payable monthly, at a weighted-average rate of %. Prior to maturity in , 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 . No payments of principal of the notes will be made during the revolving period. RMIT 2019-1 In , the Company, RMR III, and the Company’s indirect wholly-owned SPE, Regional Management Issuance Trust 2019-1 (“ RMIT 2019-1 ”), completed a private offering and sale of $ million of asset-backed notes. The transaction consisted of the issuance of three classes of fixed-rate asset-backed notes by RMIT 2019-1. The asset-backed notes are secured by finance receivables and other related assets that RMR III purchased from the Company, which RMR III then sold and transferred to RMIT 2019-1. The notes have a revolving period ending in , with a final maturity date in . RMIT 2019-1 held $ million in restricted cash reserves as of December , to satisfy provisions of the transaction documents. Borrowings under the RMIT 2019-1 bear interest, payable monthly, at a weighted-average rate of %. Prior to maturity in , 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 . No payments of principal of the notes will be made during the revolving period. The carrying amounts of consolidated VIE assets and liabilities are as follows: December 31, In thousands 2019 2018 Assets Cash $ 152 $ 168 Finance receivables 474,340 342,481 Allowance for credit losses (22,015 ) (18,378 ) Restricted cash 44,221 39,361 Other assets 68 75 Total assets $ 496,766 $ 363,707 Liabilities Net long-term debt $ 450,297 $ 324,879 Accounts payable and accrued expenses 86 25 Total liabilities $ 450,383 $ 324,904 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, 2019, 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 2020 $ 59,940 2021 170,817 2022 533,908 2023 43,553 2024 — Total $ 808,218

Stockholders' Equity

Stockholders' Equity	12 Months Ended
	Dec. 31, 2019
Stockholders' Equity Note [Abstract]
Stockholders' Equity	Note 11. Stockholders’ Equity Stock repurchase program: Board ed

Disclosure About Fair Value of

Disclosure About Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Disclosure About Fair Value of Financial Instruments	Note 12. 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: Long-term debt: The Company’s long-term debt is frequently renewed, amended, or recently originated. As a result, the Company believes that the fair value of long-term debt approximates carrying amounts. The Company also considered its creditworthiness in its determination of fair value. The carrying amount and estimated fair values of the Company’s financial instruments summarized by level are as follows: December 31, 2019 December 31, 2018 In thousands Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Assets Level 1 inputs Cash $ 2,263 $ 2,263 $ 3,657 $ 3,657 Restricted cash 54,164 54,164 46,484 46,484 Level 2 inputs Interest rate caps — — 249 249 Level 3 inputs Net finance receivables 1,042,613 1,042,613 873,943 873,943 Liabilities Level 3 inputs Long-term debt 808,218 808,218 660,507 660,507 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, 2019 and 2018: Interest Rate Caps In thousands Total Level 1 Level 2 Level 3 2019 $ — $ — $ — $ — 2018 $ 249 $ — $ 249 $ —

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Income Taxes	Note 13. 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 2016, though the Company remains subject to examination for the Texas tax return for the 2015 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, 2019 2018 2017 In thousands $ % $ % $ % Federal tax expense at statutory rate $ 12,389 21.0 % $ 9,639 21.0 % $ 14,090 35.0 % Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 1,980 3.4 % 1,521 3.3 % 1,253 3.1 % Excess tax benefits from share-based awards (171 ) (0.3 )% (370 ) (0.8 )% (1,603 ) (4.0 )% Research and development tax credits (31 ) (0.1 )% (114 ) (0.2 )% (400 ) (1.0 )% Tax Cuts and Jobs Act — 0.0 % — 0.0 % (3,122 ) (7.8 )% Other 94 0.2 % (119 ) (0.3 )% 76 0.3 % $ 14,261 24.2 % $ 10,557 23.0 % $ 10,294 25.6 % In December 2017, the Tax Cuts and Jobs Act (the “ Tax Act Income tax expense attributable to total income before income taxes consists of the following for the periods indicated: Year Ended December 31, In thousands 2019 2018 2017 Current: Federal $ 13,270 $ 12,442 $ 4,479 State and local 2,357 2,329 821 15,627 14,771 5,300 Deferred: Federal (1,298 ) (3,705 ) 4,464 State and local (68 ) (509 ) 530 (1,366 ) (4,214 ) 4,994 Total $ 14,261 $ 10,557 $ 10,294 Net deferred tax assets and liabilities consist of the following as of the periods indicated: December 31, In thousands 2019 2018 Deferred tax assets: Allowance for credit losses $ 12,879 $ 10,315 Unearned insurance premiums 5,058 3,393 Share-based compensation 2,933 2,765 Accrued expenses 1,928 1,773 State net operating loss carryforward 262 274 Amortization of intangible assets 200 376 Deferred rent 129 — Deferred contract incentive 60 86 Other 83 86 Gross deferred tax assets 23,532 19,068 Deferred tax liabilities: Fair market value adjustment of finance receivables 16,853 13,378 Tax over book depreciation 3,735 4,058 Deferred loan costs 1,983 1,814 Prepaid expenses 316 372 Other 26 193 Gross deferred tax liabilities 22,913 19,815 Net deferred tax asse t ( ) $ 619 $ (747 ) The Company had state net operating loss carryforwards of approximately $ 8.0 0.3 3 Income tax expense was $ 14.3 0.2 Companies are not permitted to recognize the tax benefit attributable to a tax position unless such position is more likely than not to be sustained upon examination by taxing authorities, based solely on the technical merits of the position. The Company had $0.8 million of material unrecognized tax benefits as of December 31, 2019. Included in these amounts are interest and penalties accrued related to unrecognized tax benefits of $52 thousand for the year ended December 31, 2019. These components are included in the income tax line of the consolidated statements of income. The following schedule reconciles unrecognized tax positions for the periods indicated: In thousands Year Ended Balance at January 1 $ — Additions based on tax positions related to the current year 363 Additions for tax positions of prior years 452 Reductions for tax positions of prior years — Settlements — Balance at December 31 $ 815

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2019
Earnings Per Share [Abstract]
Earnings Per Share	Note 14. 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 2019 2018 2017 Numerator: Net income $ 44,732 $ 35,345 $ 29,963 Denominator: Weighted-average shares outstanding for basic earnings per share 11,401 11,655 11,551 Effect of dilutive securities 372 423 232 Weighted-average shares adjusted for dilutive securities 11,773 12,078 11,783 Earnings per share: Basic $ 3.92 $ 3.03 $ 2.59 Diluted $ 3.80 $ 2.93 $ 2.54 Options to purchase 250 thousand, 148 thousand, and 126 thousand shares of common stock were outstanding during the years ended December 31, 2019, 2018, and 2017, 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, 2019
Postemployment Benefits [Abstract]
Employee Benefit Plans	Note 15. Employee Benefit Plans Retirement savings plan:

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2019
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Share-Based Compensation	Note 16. Share-Based Compensation The Company previously adopted the 2007 Management Incentive Plan (the “ 2007 Plan 2011 Plan 2015 Plan re-approved million For the years ended December 31, 2019, 2018, and 2017, the Company recorded share-based compensation expense of $5.1 million, $5.3 million, and $3.7 million, respectively. As of December 31, 2019, unrecognized share-based compensation expense to be recognized over future periods approximated $5.6 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. 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 RSAs LTIP The Company also has 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 an RSA, 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). If earned, the RSA is issued following the one-year Inducement and retention program: Non-employee The Company awards its non-employee directors a cash retainer and shares of restricted common stock. The RSAs are granted on the fifth business day following the Company’s annual meeting of stockholders and fully vest upon the earlier of the first anniversary of the grant date or the completion of the directors’ annual service to the Company. The Board revised the compensation program in April 2018 to modify the amount of the annual cash retainers for Board and committee members, eliminate committee meeting fees, and modify the value of the RSAs for committee members. The following are the terms and amounts of the awards issued under the Company’s share-based incentive programs: Non-qualified The exercise price of all stock options is equal to the Company’s closing stock price on the date of grant. Stock options are subject to various vesting terms, including graded- and cliff-vesting over periods of up to . In addition, stock options vest and become exercisable in full or in part under certain circumstances, including following the occurrence of a change of control (as defined in the option award agreements). Participants who are awarded options must exercise their options within a maximum of of the grant date. The fair value of option grants is estimated on the grant date using the Black- option-pricing model with the following weighted-average assumptions for option grants during the periods indicated below: Year Ended December 31, 2019 2018 2017 Expected volatility 41.06 % 41.63 % 43.95 % Expected dividends 0.00 % 0.00 % 0.00 % Expected term (in years) 6.0 6.0 6.0 Risk-free rate 2.41 % 2.66 % 2.09 % 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, 2019: In thousands, except per share amounts Number of Weighted-Average Exercise Price Weighted-Average Aggregate Options outstanding at January 1, 2019 981 $ 18.69 Granted 124 27.53 Exercised (16 ) 16.50 Forfeited (22 ) 25.70 Expired — — Options outstanding at December 31, 2019 1,067 $ 19.61 5.7 $ 11,222 Options exercisable at December 31, 2019 956 $ 18.67 5.3 $ 10,957 The following table provides additional stock option information for the periods indicated: Year Ended December 31, In thousands, except per share amounts 2019 2018 2017 Weighted-average grant date fair value per share $ 11.82 $ 12.39 $ 8.90 Intrinsic value of options exercised $ 265 $ 1,604 $ 4,981 Fair value of stock options that vested $ 1,126 $ 1,809 $ 3,004 Performance-contingent restricted stock units: The following table summarizes RSU activity during the year ended December 31, 2019: In thousands, except per unit amounts Units Weighted-Average Fair Value Per Unit Non-vested 182 $ 21.89 Granted (target) 40 27.89 Achieved performance adjustment (1) 8 16.98 Vested (54 ) 16.98 Forfeited (20 ) 24.39 Non-vested 156 $ 24.57 (1) The 2016 LTIP RSUs were earned and vested at 116.5% of target, as described in greater detail in the Company’s definitive proxy statement filed with the SEC on March 27, 2019. The following table provides additional RSU information for the periods indicated: Year Ended December 31, In thousands, except per unit amounts 2019 2018 2017 Weighted-average grant date fair value per unit $ 27.89 $ 28.25 $ 19.99 Fair value of RSUs that vested $ 916 $ — $ — Restricted stock awards: The following table summarizes restricted stock activity during the year ended December 31, 2019: In thousands, except per share amounts Shares Weighted-Average Grant Date Fair Value Per Share Non-vested 71 $ 26.95 Granted 166 26.78 Vested (103 ) 26.97 Forfeited (8 ) 26.06 Non-vested 126 $ 26.78 The following table provides additional restricted stock information: Year Ended December 31, In thousands, except per share amounts 2019 2018 2017 Weighted-average grant date fair value per share $ 26.78 $ 24.98 $ 18.38 Fair value of RSAs that vested $ 2,767 $ 1,609 $ 983

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 17. 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, 2019
Insurance [Abstract]
Insurance Products and Reinsurance of Certain Risks	Note 18. 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, 2019 and 2018, the cash reserves were $9.9 million and $7.1 million, respectively. The Company also purchased a cash collateralized letter of credit in favor of the ceding company. The letter of credit was $0 and $0.1 million as of December 31, 2019 and 2018, 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, 2019, 2018, and 2017: Insurance Premiums and Direct Expenses In thousands 2019 2018 2017 Earned premiums $ 35,544 $ 31,095 $ 25,860 Claims, reserves, and certain direct expenses (14,727 ) (16,302 ) (12,799 ) Insurance income, net $ 20,817 $ 14,793 $ 13,061 The Company was covered under a blanket vendor single interest insurance policy. The policy protected the Company’s interest when the customer failed to maintain the required insurance coverage on an automobile securing an automobile purchase loan. The customer’s loan and monthly payment were not impacted by this insurance policy. This blanket vendor single interest insurance policy was cancelled in March 2018. The Company offered a self-insured Guaranteed Asset Protection (“ GAP ”) coverage to customers in North Carolina and Alabama. A GAP program is a contractual arrangement whereby the Company forgives the remaining balance of the insured customer’s automobile purchase loan if the automobile is determined to be a total loss by the primary insurance carrier and insurance proceeds are not sufficient to pay off the customer’s loan. The GAP program revenue is recognized over the life of the loan. Losses are recognized in the period in which they occur. The Company ceased offering the GAP product when it ceased its automobile loan originations in November 2017. 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 insurance from an unaffiliated insurance company for its benefit in lieu of recording and perfecting its security interest in personal property collateral. Non-file insurance protects the Company from credit losses where, following an event of default, it is unable to take possession of personal property collateral because its security interest is not perfected (for example, in certain instances where a customer files for bankruptcy). In such circumstances, non-file insurance generally will pay to the Company an amount equal to the lesser of the loan balance or the collateral value. In recent years, as large loans have become a larger percentage of the Company’s loan portfolio, the severity of non-file insurance claims has increased and non-file insurance claims expenses have exceeded non-file insurance fees. The resulting net loss from the non-file insurance product has been reflected in the Company’s insurance income, net. The Company evaluated various ways to lower its non-file insurance claims, and reduced its utilization of non-file insurance beginning in the fourth quarter of 2018. This policy change will cause substantially offsetting increases to insurance income, net and net credit losses in current and future years.

Quarterly Information (unaudite

Quarterly Information (unaudited)	12 Months Ended
	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
Quarterly Information (unaudited)	Note 19. Quarterly Information (unaudited) The following tables summarize the Company’s quarterly financial information for each of the four quarters of 2019 and 2018: 2019 In thousands, except per share amounts First Second Third Fourth Total revenue $ 81,748 $ 84,274 $ 91,707 $ 97,984 Provision for credit losses 23,343 25,714 24,515 26,039 General and administrative expenses 38,183 37,743 40,167 40,891 Interest expense 9,721 9,771 10,348 10,285 Income tax 2,393 2,677 4,105 5,086 Net income $ 8,108 $ 8,369 $ 12,572 $ 15,683 Net income per common share: Basic $ 0.69 $ 0.71 $ 1.11 $ 1.44 Diluted $ 0.67 $ 0.70 $ 1.08 $ 1.38 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.

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2019
Subsequent Events [Abstract]
Subsequent Events	Note 20. Subsequent Events In January 2020, the Company experienced an isolated information technology infrastructure event that caused an extended outage of its loan management system, which was not fully operational for a total of approximately seven business days between January 5, 2020 and January 16, 2020. The Company determined that an inadvertent operational failure in information technology allowed a system back-up While the event did not impact the Company’s fourth quarter 2019 financial results, the Company expects that the outage will adversely impact net income by approximately $ million in the first quarter of 2020 and by an additional $ million throughout the remainder of the year. In March 2020, as a component of its strategy to manage the interest rate risk associated with future interest payments on variable-rate debt, the Company purchased an interest rate cap contract for $0.2 million with an aggregate notional principal amount of $100.0 million. The interest rate cap matures in March 2023 with a 1.75% strike rate against the one-month LIBOR.

Significant Accounting Polici_2

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2019
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. The general component of the allowance is primarily 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: The Company leases its current headquarters building. Branch offices are leased under non-cancellable leases of three to seven years with renewal options. Leasehold improvements are depreciated over the shorter of their useful lives or the remaining term of the lease. Furniture and equipment are depreciated on the straight-line method over their estimated useful lives, generally five to ten years. Maintenance and repairs are charged to expense as incurred.
Restricted cash	Restricted cash:
Derivative instruments	Derivative instruments:
Income recognition	Income recognition: Interest income is recognized using the interest method (constant yield method). Therefore, the Company recognizes revenue from interest at an equal rate over the term of the loan. Unearned finance charges on pre-compute contracts are rebated to customers utilizing statutory methods, which in many cases is the sum-of-the-years’ digits method. The difference between income recognized under the constant yield method and the statutory method is recognized as an adjustment to interest income at the time of rebate. Accrual of interest income on finance receivables is suspended when an account becomes days delinquent. If the account is charged off, the accrued interest income is reversed as a reduction of interest and fee income. The Company recognizes income on credit life insurance, credit property insurance, and automobile insurance using the sum-of-the-years’ digits or straight-line methods over the terms of the policies. The Company recognizes income on credit accident and health insurance using the average of the sum-of-the-years’ digits and the straight-line methods over the terms of the policies. The Company recognizes income on credit involuntary unemployment insurance using the straight-line method over the terms of the policies. Rebates are computed using statutory methods, which in many cases match the GAAP method, and where it does not match, the difference between the GAAP method and the statutory method is recognized in income at the time of rebate. Fee income for non-file insurance is recognized using the sum-of-the-years’ digits method over the loan term. Charges for late fees are recognized as income when collected.
Finance receivable origination fees and costs	Finance receivable origination fees and costs: Non-refundable fees received and direct costs incurred for the origination of finance receivables are deferred and recognized to interest income over their contractual lives using the constant yield method. amounts are recognized in income at the time that finance receivables are paid in full.
Share-based compensation	Share-based compensation: The Company measures compensation cost for share-based awards at estimated fair value and recognizes compensation expense over the service period for awards expected to vest. The Company uses the closing stock price on the date of grant as the fair value of restricted stock awards. The fair value of stock options is determined using the Black- valuation model. The Black- model requires the input of highly subjective assumptions, including expected volatility, risk-free interest rate, and expected life, changes to which can materially affect the fair value estimate. The Company estimates volatility using its historical stock prices. The risk-free rate is based on the zero coupon U.S. Treasury bond rate for the expected term of the award on the grant date. 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. In addition, the estimation of share-based awards that will ultimately vest requires judgment, and to the extent actual results or updated estimates differ from current estimates, such amounts will be recorded as a cumulative adjustment in the period estimates are revised.
Marketing costs	Marketing costs: Marketing costs are expensed as incurred.
Income taxes	Income taxes: The Company records a tax provision for the anticipated tax consequences of its reported operating results. The provision for income taxes is computed using the asset and liability method, under which deferred tax assets and liabilities are recognized for the future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effects of future tax rate changes are recognized in the period when the enactment of new rates occurs. 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 % likely to be realized upon settlement with a taxing authority. 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.
Earnings per share	Earnings per share: Earnings per share have been computed based on the weighted-average number of common shares outstanding during each reporting period presented. Common shares issuable upon the exercise of share-based compensation, which are computed using the treasury stock method, are included in the computation of diluted earnings per share.
Recent accounting pronouncements	Recent accounting pronouncements: In February 2016, the Financial Accounting Standards Board (the “ FASB ”) issued an accounting update to increase transparency and comparability of accounting for lease transactions. The update required: (i) all leases to be recognized on the balance sheet as lease (right-of-use) assets and lease liabilities and (ii) both quantitative and qualitative disclosures regarding key information about leasing arrangements. The update was effective for annual and interim periods beginning after December 15, 2018. The Company completed the implementation of third-party software to facilitate compliance with the accounting and reporting requirements of the lease standard. Prior to adoption, all of the Company’s leases were classified as operating leases, with no lease assets or liabilities recorded. The Company transitioned to this accounting change on a modified retrospective basis by recording the cumulative-effect of lease assets and liabilities for active leases as of January 1, 2019. The Company did not restate comparative periods in transition and elected to use the effective date of January 1, 2019 as the initial date of transition. The Company also elected to utilize the package of transition practical expedients, which included not reassessing the following: (i) whether existing contracts contain leases, (ii) the existing classification of leases as operating or financing, or (iii) the initial direct costs of leases. The Company did not use hindsight to determine the lease term or include options to extend for leases existing at the transition date. In addition, the Company elected not to apply the new lease standard to leases with terms of twelve months or less. As a result of the adoption of the new lease standard on January 1, 2019, the Company recorded $ million for both lease liabilities and the corresponding lease assets. The lease liabilities were based on the present value of the remaining minimum rental payments using discount rates as of the effective date. There was no impact to the consolidated statements of income related to the adoption of this standard. The adoption of this standard did not require the Company to alter its debt covenants. In June 2016, the FASB issued an accounting update significantly changing the impairment model for estimating credit losses on financial assets. While the then-existing incurred loss impairment model required the recognition of credit losses when it was probable that a loss ha d CECL The Company’s cross-functional CECL implementation team, software vendor, and consulting team have completed the established implementation plan to ensure compliance with the accounting update at the time of adoption. The Company continues to finalize refinements to the future state business processes, policies, controls, and related documentation, and those items are being audited. Based on analys e of $122 million. The allowance under the prior incurred loss approach was $62 million as of December 31, 2019. Effective January 1, 2020, the adoption of CECL accounting, d million and a one-time, cumulative reduction to retained earnings of $46 million (net of $14 million in taxes). The Company’s allowance for credit losses of 5.8% as a percentage of finance receivables on December 31, 2019 increase d accounting The following table illustrates the impact of the CECL accounting adoption by product: December 31, 2019 January 1, 2020 In thousands Pre- A Impact of Adoption CECL Allowance Small loans $ 30,588 $ 24,185 $ 54,773 Large loans 29,148 33,550 62,698 Automobile loans 820 599 1,419 Retail loans 1,644 1,766 3,410 Allowance for credit losses $ 62,200 $ 60,100 $ 122,300 Beginning in January 2020 with the adoption of CECL accounting, the Company will reclassify unearned insurance premiums out of the finance receivables line item to align its consolidated balance sheet presentation with the amortized cost definition in the new accounting standard. The tables below illustrate the impacts of this reclassification to the Company’s previously reported balance sheet presentation of receivables and other key metrics: Quarterly Trend – As Reported (Pre-CECL In thousands 3/31/2019 6/30/2019 9/30/2019 12/31/2019 Gross finance receivables $ 1,204,495 $ 1,300,043 $ 1,404,172 $ 1,500,962 Unearned finance charges (273,651 ) (305,063 ) (337,086 ) (367,558 ) Unearned insurance premiums (18,594 ) (21,546 ) (24,900 ) (28,591 ) Finance receivables 912,250 973,434 1,042,186 1,104,813 Allowance for credit losses (56,400 ) (57,200 ) (60,900 ) (62,200 ) Net finance receivables $ 855,850 $ 916,234 $ 981,286 $ 1,042,613 Average finance receivables $ 924,948 $ 934,373 $ 1,010,515 $ 1,071,265 As a % of finance receivables: Allowance for credit losses 6.2 % 5.9 % 5.8 % 5.6 % 30+ day contractual delinquency 7.0 % 6.4 % 6.6 % 7.2 % As a % of average finance receivables: Interest and fee yield (annualized) 32.1 % 32.5 % 32.9 % 32.8 % Operating expense ratio (annualized) 16.5 % 16.2 % 15.9 % 15.3 % Net credit loss ratio (annualized) 10.9 % 10.7 % 8.2 % 9.2 % Quarterly Trend – Amortized Cost Basis (Post-CECL Adoption) In thousands 3/31/2019 6/30/2019 9/30/2019 12/31/2019 Finance receivables $ 930,844 $ 994,980 $ 1,067,086 $ 1,133,404 Unearned insurance premiums (18,594 ) (21,546 ) (24,900 ) (28,591 ) Allowance for credit losses (56,400 ) (57,200 ) (60,900 ) (62,200 ) Net finance receivables $ 855,850 $ 916,234 $ 981,286 $ 1,042,613 Average finance receivables $ 944,763 $ 954,940 $ 1,033,939 $ 1,098,410 As a % of finance receivables: Allowance for credit losses 6.1 % 5.7 % 5.7 % 5.5 % 30+ day contractual delinquency 6.9 % 6.3 % 6.5 % 7.0 % As a % of average finance receivables: Interest and fee yield (annualized) 31.5 % 31.8 % 32.1 % 32.0 % Operating expense ratio (annualized) 16.2 % 15.8 % 15.5 % 14.9 % Net credit loss ratio (annualized) 10.7 % 10.4 % 8.1 % 9.0 % Quarterly Trend – Reclassification Change In thousands 3/31/2019 6/30/2019 9/30/2019 12/31/2019 Finance receivables $ 18,594 $ 21,546 $ 24,900 $ 28,591 Average finance receivables $ 19,815 $ 20,567 $ 23,424 $ 27,145 As a % of finance receivables: Allowance for credit losses (0.1 )% (0.2 )% (0.1 )% (0.1 )% 30+ day contractual delinquency (0.1 )% (0.1 )% (0.1 )% (0.2 )% As a % of average finance receivables: Interest and fee yield (annualized) (0.6 )% (0.7 )% (0.8 )% (0.8 )% Operating expense ratio (annualized) (0.3 )% (0.4 )% (0.4 )% (0.4 )% Net credit loss ratio (annualized) (0.2 )% (0.3 )% (0.1 )% (0.2 )% 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

Significant Accounting Polici_3

Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
Impact of the CECL Accounting Adoption	The following table illustrates the impact of the CECL accounting adoption by product: December 31, 2019 January 1, 2020 In thousands Pre- A Impact of Adoption CECL Allowance Small loans $ 30,588 $ 24,185 $ 54,773 Large loans 29,148 33,550 62,698 Automobile loans 820 599 1,419 Retail loans 1,644 1,766 3,410 Allowance for credit losses $ 62,200 $ 60,100 $ 122,300
Summary of Unearned Insurance Premiums Reclassification	The tables below illustrate the impacts of this reclassification to the Company’s previously reported balance sheet presentation of receivables and other key metrics: Quarterly Trend – As Reported (Pre-CECL In thousands 3/31/2019 6/30/2019 9/30/2019 12/31/2019 Gross finance receivables $ 1,204,495 $ 1,300,043 $ 1,404,172 $ 1,500,962 Unearned finance charges (273,651 ) (305,063 ) (337,086 ) (367,558 ) Unearned insurance premiums (18,594 ) (21,546 ) (24,900 ) (28,591 ) Finance receivables 912,250 973,434 1,042,186 1,104,813 Allowance for credit losses (56,400 ) (57,200 ) (60,900 ) (62,200 ) Net finance receivables $ 855,850 $ 916,234 $ 981,286 $ 1,042,613 Average finance receivables $ 924,948 $ 934,373 $ 1,010,515 $ 1,071,265 As a % of finance receivables: Allowance for credit losses 6.2 % 5.9 % 5.8 % 5.6 % 30+ day contractual delinquency 7.0 % 6.4 % 6.6 % 7.2 % As a % of average finance receivables: Interest and fee yield (annualized) 32.1 % 32.5 % 32.9 % 32.8 % Operating expense ratio (annualized) 16.5 % 16.2 % 15.9 % 15.3 % Net credit loss ratio (annualized) 10.9 % 10.7 % 8.2 % 9.2 % Quarterly Trend – Amortized Cost Basis (Post-CECL Adoption) In thousands 3/31/2019 6/30/2019 9/30/2019 12/31/2019 Finance receivables $ 930,844 $ 994,980 $ 1,067,086 $ 1,133,404 Unearned insurance premiums (18,594 ) (21,546 ) (24,900 ) (28,591 ) Allowance for credit losses (56,400 ) (57,200 ) (60,900 ) (62,200 ) Net finance receivables $ 855,850 $ 916,234 $ 981,286 $ 1,042,613 Average finance receivables $ 944,763 $ 954,940 $ 1,033,939 $ 1,098,410 As a % of finance receivables: Allowance for credit losses 6.1 % 5.7 % 5.7 % 5.5 % 30+ day contractual delinquency 6.9 % 6.3 % 6.5 % 7.0 % As a % of average finance receivables: Interest and fee yield (annualized) 31.5 % 31.8 % 32.1 % 32.0 % Operating expense ratio (annualized) 16.2 % 15.8 % 15.5 % 14.9 % Net credit loss ratio (annualized) 10.7 % 10.4 % 8.1 % 9.0 % Quarterly Trend – Reclassification Change In thousands 3/31/2019 6/30/2019 9/30/2019 12/31/2019 Finance receivables $ 18,594 $ 21,546 $ 24,900 $ 28,591 Average finance receivables $ 19,815 $ 20,567 $ 23,424 $ 27,145 As a % of finance receivables: Allowance for credit losses (0.1 )% (0.2 )% (0.1 )% (0.1 )% 30+ day contractual delinquency (0.1 )% (0.1 )% (0.1 )% (0.2 )% As a % of average finance receivables: Interest and fee yield (annualized) (0.6 )% (0.7 )% (0.8 )% (0.8 )% Operating expense ratio (annualized) (0.3 )% (0.4 )% (0.4 )% (0.4 )% Net credit loss ratio (annualized) (0.2 )% (0.3 )% (0.1 )% (0.2 )%

Finance Receivables, Credit Q_2

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2019
Receivables [Abstract]
Summary of Finance Receivables	Finance receivables for the periods indicated consisted of the following: December 31, In thousands 2019 2018 Small loans $ 462,499 $ 437,662 Large loans 608,608 437,998 Automobile loans 9,623 26,154 Retail loans 24,083 30,429 Finance receivables $ 1,104,813 $ 932,243
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, 2019 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 372,921 80.7 % $ 523,936 86.1 % $ 6,906 71.8 % $ 18,093 75.1 % $ 921,856 83.4 % 1 to 29 days past due 47,313 10.2 % 51,118 8.4 % 1,963 20.4 % 3,531 14.7 % 103,925 9.4 % Delinquent accounts 30 to 59 days 12,666 2.8 % 11,351 1.9 % 240 2.5 % 853 3.6 % 25,110 2.3 % 60 to 89 days 9,889 2.1 % 8,103 1.3 % 110 1.1 % 563 2.3 % 18,665 1.7 % 90 to 119 days 7,500 1.6 % 5,832 1.0 % 129 1.4 % 375 1.5 % 13,836 1.3 % 120 to 149 days 6,570 1.4 % 4,541 0.7 % 127 1.3 % 357 1.5 % 11,595 1.0 % 150 to 179 days 5,640 1.2 % 3,727 0.6 % 148 1.5 % 311 1.3 % 9,826 0.9 % Total delinquency $ 42,265 9.1 % $ 33,554 5.5 % $ 754 9.5 % $ 2,459 10.2 % $ 79,032 7.2 % Total finance receivables $ 462,499 100.0 % $ 608,608 100.0 % $ 9,623 100.0 % $ 24,083 100.0 % $ 1,104,813 100.0 % Finance receivables in nonaccrual status $ 22,718 4.9 % $ 17,739 2.9 % $ 590 6.1 % $ 1,186 4.9 % $ 42,233 3.8 % 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 %
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 2019 2018 2017 Balance at beginning of period $ 58,300 $ 48,910 $ 41,250 Provision for credit losses 99,611 87,056 77,339 Credit losses (100,056 ) (82,341 ) (75,880 ) Recoveries 4,345 4,675 6,201 Balance at end of period $ 62,200 $ 58,300 $ 48,910
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 January 1, Provision Credit Recoveries Balance December 31, Finance Receivables December 31, Allowance as Percentage of December 31, 2019 Small loans $ 30,759 $ 54,842 $ (57,323 ) $ 2,310 $ 30,588 $ 462,499 6.6 % Large loans 23,702 41,278 (37,475 ) 1,643 29,148 608,608 4.8 % Automobile loans 1,893 575 (1,893 ) 245 820 9,623 8.5 % Retail loans 1,946 2,916 (3,365 ) 147 1,644 24,083 6.8 % Total $ 58,300 $ 99,611 $ (100,056 ) $ 4,345 $ 62,200 $ 1,104,813 5.6 % In thousands Balance January 1, Provision Credit Recoveries Balance December 31, Finance Receivables December 31, Allowance as Percentage of December 31, 2018 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 January 1, Provision Credit Recoveries Balance December 31, Finance Receivables December 31, Allowance as Percentage of December 31, 2017 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 %
Tabular Disclosure of Impaired Financing Receivables	The following is a summary of finance receivables evaluated for impairment for the periods indicated: December 31, 2019 In thousands Small Large Automobile Retail Total Impaired receivables specifically evaluated $ 9,920 $ 20,667 $ 652 $ 130 $ 31,369 Finance receivables evaluated collectively 452,579 587,941 8,971 23,953 1,073,444 Finance receivables outstanding $ 462,499 $ 608,608 $ 9,623 $ 24,083 $ 1,104,813 Impaired receivables in nonaccrual status $ 1,629 $ 3,189 $ 184 $ 40 $ 5,042 Amount of the specific reserve for impaired accounts $ 4,069 $ 7,733 $ 386 $ 69 $ 12,257 Amount of the general component of the allowance $ 26,519 $ 21,415 $ 434 $ 1,575 $ 49,943 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 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, 2019 2018 In thousands Average Interest Income Average Interest Income Small loans $ 9,723 $ 1,551 $ 6,577 $ 1,066 Large loans 18,938 2,538 13,221 1,639 Automobile loans 786 37 1,381 60 Retail loans 129 5 109 6 Total $ 29,576 $ 4,131 $ 21,288 $ 2,771

Property and Equipment (Tables)

Property and Equipment (Tables)	12 Months Ended
	Dec. 31, 2019
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 2019 2018 Furniture, fixtures, and equipment $ 25,185 $ 23,131 Leasehold improvements 12,110 10,578 Property and equipment cost 37,295 33,709 Less accumulated depreciation 21,994 19,783 Property and equipment, net of accumulated depreciation $ 15,301 $ 13,926

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2019
Leases [Abstract]
Future Maturities of Operating Lease Liabilities	Future maturities of the Company’s operating lease liabilities are as follows: In thousands December 31, 2020 $ 7,047 2021 6,562 2022 5,242 2023 4,641 2024 3,596 Thereafter 6,186 Total future minimum lease payments 33,274 Present value adjustment (4,804 ) Operating lease liability $ 28,470
Summary of Additional Information About Company's Operating and short-term lease expenses	The Company’s operating and short-term lease expenses are presented below: In thousands Year Ended December 31, 2019 Operating leases $ 7,929 Short-term leases 435 Total lease expense $ 8,364 Supplemental cash flow and non-cash In thousands Year Ended December 31, 2019 Cash paid for operating leases $ 7,379 Lease assets and liabilities acquired (1) $ 10,102 (1) Excludes $24.1 million of lease assets and liabilities recorded on the transition date.

Intangible Assets (Tables)

Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2019
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, 2019 December 31, 2018 In thousands Gross Carrying Amount Accumulated Amortization Net Gross Carrying Amount Accumulated Amortization Net Software $ 15,389 $ (6,667 ) $ 8,722 $ 13,811 $ (4,517 ) $ 9,294 Goodwill 950 (234 ) 716 950 (234 ) 716 Total intangible assets $ 16,339 $ (6,901 ) $ 9,438 $ 14,761 $ (4,751 ) $ 10,010
Summary of Future Amortization of Intangible Assets	The following table sets forth the future amortization of intangible assets: In thousands Amount 2020 $ 2,120 2021 1,966 2022 1,870 2023 1,596 2024 915 Thereafter 255 Total $ 8,722

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Dec. 31, 2019
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 2019 2018 Prepaid expenses $ 3,256 $ 4,167 Credit insurance receivable 2,061 1,027 Card payments receivable 1,853 2,292 Other 534 889 Total o assets $ 7,704 $ 8,375

Interest Rate Caps (Tables)

Interest Rate Caps (Tables)	12 Months Ended
	Dec. 31, 2019
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 2019 2018 2017 Balance at beginning of period $ 249 $ 98 $ 62 Purchases — 481 100 Fair value adjustment included as an increase in interest expense (249 ) (330 ) (64 ) Balance at end of period, included in other assets $ — $ 249 $ 98

Long-Term Debt (Tables)

Long-Term Debt (Tables)	12 Months Ended
	Dec. 31, 2019
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, 2019 December 31, 2018 In thousands Long-Term Unamortized Net Long-Term Long-Term Unamortized Net Long-Term Senior revolving credit facility $ 350,818 $ (2,504 ) $ 348,314 $ 328,074 $ (1,604 ) $ 326,470 Amortizing loan — — — 21,642 (201 ) 21,441 Revolving warehouse credit facility 46,633 (1,875 ) 44,758 30,126 (1,899 ) 28,227 RMIT 2018-1 150,246 (1,558 ) 148,688 150,246 (2,849 ) 147,397 RMIT 2018-2 130,349 (1,687 ) 128,662 130,419 (2,605 ) 127,814 RMIT 2019-1 130,172 (1,983 ) 128,189 — — — Total $ 808,218 $ (9,607 ) $ 798,611 $ 660,507 $ (9,158 ) $ 651,349 Unused amount of revolving credit facilities (subject to borrowing base) $ 369,271 $ 406,600
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 2020 $ 59,940 2021 170,817 2022 533,908 2023 43,553 2024 — Total $ 808,218
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 2019 2018 Assets Cash $ 152 $ 168 Finance receivables 474,340 342,481 Allowance for credit losses (22,015 ) (18,378 ) Restricted cash 44,221 39,361 Other assets 68 75 Total assets $ 496,766 $ 363,707 Liabilities Net long-term debt $ 450,297 $ 324,879 Accounts payable and accrued expenses 86 25 Total liabilities $ 450,383 $ 324,904

Disclosure About Fair Value o_2

Disclosure About Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2019
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, 2019 December 31, 2018 In thousands Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Assets Level 1 inputs Cash $ 2,263 $ 2,263 $ 3,657 $ 3,657 Restricted cash 54,164 54,164 46,484 46,484 Level 2 inputs Interest rate caps — — 249 249 Level 3 inputs Net finance receivables 1,042,613 1,042,613 873,943 873,943 Liabilities Level 3 inputs Long-term debt 808,218 808,218 660,507 660,507
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, 2019 and 2018: Interest Rate Caps In thousands Total Level 1 Level 2 Level 3 2019 $ — $ — $ — $ — 2018 $ 249 $ — $ 249 $ —

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
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, 2019 2018 2017 In thousands $ % $ % $ % Federal tax expense at statutory rate $ 12,389 21.0 % $ 9,639 21.0 % $ 14,090 35.0 % Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 1,980 3.4 % 1,521 3.3 % 1,253 3.1 % Excess tax benefits from share-based awards (171 ) (0.3 )% (370 ) (0.8 )% (1,603 ) (4.0 )% Research and development tax credits (31 ) (0.1 )% (114 ) (0.2 )% (400 ) (1.0 )% Tax Cuts and Jobs Act — 0.0 % — 0.0 % (3,122 ) (7.8 )% Other 94 0.2 % (119 ) (0.3 )% 76 0.3 % $ 14,261 24.2 % $ 10,557 23.0 % $ 10,294 25.6 %
Schedule of 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 2019 2018 2017 Current: Federal $ 13,270 $ 12,442 $ 4,479 State and local 2,357 2,329 821 15,627 14,771 5,300 Deferred: Federal (1,298 ) (3,705 ) 4,464 State and local (68 ) (509 ) 530 (1,366 ) (4,214 ) 4,994 Total $ 14,261 $ 10,557 $ 10,294
Schedule of 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 2019 2018 Deferred tax assets: Allowance for credit losses $ 12,879 $ 10,315 Unearned insurance premiums 5,058 3,393 Share-based compensation 2,933 2,765 Accrued expenses 1,928 1,773 State net operating loss carryforward 262 274 Amortization of intangible assets 200 376 Deferred rent 129 — Deferred contract incentive 60 86 Other 83 86 Gross deferred tax assets 23,532 19,068 Deferred tax liabilities: Fair market value adjustment of finance receivables 16,853 13,378 Tax over book depreciation 3,735 4,058 Deferred loan costs 1,983 1,814 Prepaid expenses 316 372 Other 26 193 Gross deferred tax liabilities 22,913 19,815 Net deferred tax asse t ( ) $ 619 $ (747 )
Summary of Income Tax Contingencies	The following schedule reconciles unrecognized tax positions for the periods indicated: In thousands Year Ended Balance at January 1 $ — Additions based on tax positions related to the current year 363 Additions for tax positions of prior years 452 Reductions for tax positions of prior years — Settlements — Balance at December 31 $ 815

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2019
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 2019 2018 2017 Numerator: Net income $ 44,732 $ 35,345 $ 29,963 Denominator: Weighted-average shares outstanding for basic earnings per share 11,401 11,655 11,551 Effect of dilutive securities 372 423 232 Weighted-average shares adjusted for dilutive securities 11,773 12,078 11,783 Earnings per share: Basic $ 3.92 $ 3.03 $ 2.59 Diluted $ 3.80 $ 2.93 $ 2.54

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2019
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- option-pricing model with the following weighted-average assumptions for option grants during the periods indicated below: Year Ended December 31, 2019 2018 2017 Expected volatility 41.06 % 41.63 % 43.95 % Expected dividends 0.00 % 0.00 % 0.00 % Expected term (in years) 6.0 6.0 6.0 Risk-free rate 2.41 % 2.66 % 2.09 %
Summary of Company's Stock Option Plan Activity	The following table summarizes the stock option activity for the year ended December 31, 2019: In thousands, except per share amounts Number of Weighted-Average Exercise Price Weighted-Average Aggregate Options outstanding at January 1, 2019 981 $ 18.69 Granted 124 27.53 Exercised (16 ) 16.50 Forfeited (22 ) 25.70 Expired — — Options outstanding at December 31, 2019 1,067 $ 19.61 5.7 $ 11,222 Options exercisable at December 31, 2019 956 $ 18.67 5.3 $ 10,957
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 2019 2018 2017 Weighted-average grant date fair value per share $ 11.82 $ 12.39 $ 8.90 Intrinsic value of options exercised $ 265 $ 1,604 $ 4,981 Fair value of stock options that vested $ 1,126 $ 1,809 $ 3,004
Summary of RSU Activity	The following table summarizes RSU activity during the year ended December 31, 2019: In thousands, except per unit amounts Units Weighted-Average Fair Value Per Unit Non-vested 182 $ 21.89 Granted (target) 40 27.89 Achieved performance adjustment (1) 8 16.98 Vested (54 ) 16.98 Forfeited (20 ) 24.39 Non-vested 156 $ 24.57 (1) The 2016 LTIP RSUs were earned and vested at 116.5% of target, as described in greater detail in the Company’s definitive proxy statement filed with the SEC on March 27, 2019.
Summary of Additional RSU Information	The following table provides additional RSU information for the periods indicated: Year Ended December 31, In thousands, except per unit amounts 2019 2018 2017 Weighted-average grant date fair value per unit $ 27.89 $ 28.25 $ 19.99 Fair value of RSUs that vested $ 916 $ — $ —
Summary of RSA Activity	The following table summarizes restricted stock activity during the year ended December 31, 2019: In thousands, except per share amounts Shares Weighted-Average Grant Date Fair Value Per Share Non-vested 71 $ 26.95 Granted 166 26.78 Vested (103 ) 26.97 Forfeited (8 ) 26.06 Non-vested 126 $ 26.78
Summary of Additional RSA Information	The following table provides additional restricted stock information: Year Ended December 31, In thousands, except per share amounts 2019 2018 2017 Weighted-average grant date fair value per share $ 26.78 $ 24.98 $ 18.38 Fair value of RSAs that vested $ 2,767 $ 1,609 $ 983

Insurance Products and Reinsu_2

Insurance Products and Reinsurance of Certain Risks (Tables)	12 Months Ended
	Dec. 31, 2019
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, 2019, 2018, and 2017: Insurance Premiums and Direct Expenses In thousands 2019 2018 2017 Earned premiums $ 35,544 $ 31,095 $ 25,860 Claims, reserves, and certain direct expenses (14,727 ) (16,302 ) (12,799 ) Insurance income, net $ 20,817 $ 14,793 $ 13,061

Quarterly Information (unaudi_2

Quarterly Information (unaudited) (Tables)	12 Months Ended
	Dec. 31, 2019
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 2019 and 2018: 2019 In thousands, except per share amounts First Second Third Fourth Total revenue $ 81,748 $ 84,274 $ 91,707 $ 97,984 Provision for credit losses 23,343 25,714 24,515 26,039 General and administrative expenses 38,183 37,743 40,167 40,891 Interest expense 9,721 9,771 10,348 10,285 Income tax 2,393 2,677 4,105 5,086 Net income $ 8,108 $ 8,369 $ 12,572 $ 15,683 Net income per common share: Basic $ 0.69 $ 0.71 $ 1.11 $ 1.44 Diluted $ 0.67 $ 0.70 $ 1.08 $ 1.38 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.

Nature of Business - Additional

Nature of Business - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2019LocationStateBranch	Dec. 31, 2018Branch	Dec. 31, 2017Branch
Accounting Policies [Abstract]
Number of branches | Location	366
Number of states | State	11
Net number of branches opened | Branch	7	17	3

Significant Accounting Polici_4

Significant Accounting Policies - Additional Information (Detail) - USD ($) $ in Thousands	Jan. 01, 2020	Dec. 31, 2019	Jan. 01, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Significant Accounting Policies [Line Items]
Lease assets		$ 26,438
Lease liabilities		$ 28,470
Contractual delinquent period of loans		180 days
Bankruptcy delinquency threshold		60 days
Delinquent period of accrual income		90 days
Tax benefit		50.00%
Retrospective decrease to retained earnings	$ 46
Cumulative reduction to retained earnings, net of tax	14
Allowance for credit losses	$ 122,300	$ 62,200		$ 58,300	$ 48,910	$ 41,250
Percentage of finance receivables, allowance for credit losses	5.80%
Percentage of finance receivables, amortized cost	10.80%
Prior incurred loss approach [Member]
Significant Accounting Policies [Line Items]
Allowance for credit losses		$ 62,000
Maximum [Member] | Building [member]
Significant Accounting Policies [Line Items]
Branch office lease term		7 years
Maximum [Member] | Furniture and equipment [member]
Significant Accounting Policies [Line Items]
Useful lives		10 years
Minimum [Member] | Building [member]
Significant Accounting Policies [Line Items]
Branch office lease term		3 years
Minimum [Member] | Furniture and equipment [member]
Significant Accounting Policies [Line Items]
Useful lives		5 years
Forecast [Member] | Modified retrospective Approach [Member]
Significant Accounting Policies [Line Items]
Modified-retrospective increase to allowance for credit losses	$ 60,000
Accounting Standards Update 2016-02 [Member]
Significant Accounting Policies [Line Items]
Lease assets			$ 24,100
Lease liabilities			$ 24,100

Significant Accounting Polici_5

Significant Accounting Policies - Impact of the CECL Accounting Adoption (Detail) - USD ($) $ in Thousands	Jan. 01, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	$ 122,300	$ 62,200				$ 58,300	$ 48,910	$ 41,250
Automobile loans [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	1,419	820				$ 1,893	$ 4,025	$ 5,910
Small loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	54,773
Large loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	62,698
Retail loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	3,410
Pre-adoption Allowance [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	62,200	$ (62,200)	$ (60,900)	$ (57,200)	$ (56,400)
Pre-adoption Allowance [Member] | Automobile loans [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	820
Pre-adoption Allowance [Member] | Small loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	30,588
Pre-adoption Allowance [Member] | Large loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	29,148
Pre-adoption Allowance [Member] | Retail loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	1,644
CECL Adoption Adjustment [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	60,100
CECL Adoption Adjustment [Member] | Automobile loans [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	599
CECL Adoption Adjustment [Member] | Small loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	24,185
CECL Adoption Adjustment [Member] | Large loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	33,550
CECL Adoption Adjustment [Member] | Retail loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	$ 1,766

Significant Accounting Polici_6

Significant Accounting Policies - Summary of Unearned Insurance Premiums Reclassification (Detail) - USD ($) $ in Thousands	Jan. 01, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Schedule of Unearned Insurance Premiums Reclassification [Line Items]
Gross finance receivables		$ 1,500,962				$ 1,237,526
Finance receivables		1,104,813				932,243	$ 817,463
Allowance for credit losses	$ 122,300	62,200				58,300	$ 48,910	$ 41,250
Net finance receivables		$ 1,042,613				$ 873,943
Allowance for credit losses		5.60%				6.30%	6.00%
30+ day contractual delinquency		7.20%				7.70%
Quarterly Trend - Amortized Cost Basis [Member]
Schedule of Unearned Insurance Premiums Reclassification [Line Items]
Unearned insurance premiums		$ (28,591)	$ (24,900)	$ (21,546)	$ (18,594)
Finance receivables		1,133,404	1,067,086	994,980	930,844
Allowance for credit losses		(62,200)	(60,900)	(57,200)	(56,400)
Net finance receivables		1,042,613	981,286	916,234	855,850
Average Loans and Leases Receivable Net of Deferred Income		$ 1,098,410	$ 1,033,939	$ 954,940	$ 944,763
Allowance for credit losses		5.50%	5.70%	5.70%	6.10%
30+ day contractual delinquency		7.00%	6.50%	6.30%	6.90%
Interest and fee yield (annualized)		32.00%	32.10%	31.80%	31.50%
Operating expense ratio (annualized)		14.90%	15.50%	15.80%	16.20%
Net credit loss ratio (annualized)		9.00%	8.10%	10.40%	10.70%
Quarterly Trend - Reclassification Change [Member]
Schedule of Unearned Insurance Premiums Reclassification [Line Items]
Finance receivables		$ 28,591	$ 24,900	$ 21,546	$ 18,594
Average Loans and Leases Receivable Net of Deferred Income		$ 27,145	$ 23,424	$ 20,567	$ 19,815
Allowance for credit losses		(0.10%)	(0.10%)	(0.20%)	(0.10%)
30+ day contractual delinquency		(0.20%)	(0.10%)	(0.10%)	(0.10%)
Interest and fee yield (annualized)		(0.80%)	(0.80%)	(0.70%)	(0.60%)
Operating expense ratio (annualized)		(0.40%)	(0.40%)	(0.40%)	(0.30%)
Net credit loss ratio (annualized)		(0.20%)	(0.10%)	(0.30%)	(0.20%)
Quarterly Trend - As Reported [Member]
Schedule of Unearned Insurance Premiums Reclassification [Line Items]
Gross finance receivables		$ 1,500,962	$ 1,404,172	$ 1,300,043	$ 1,204,495
Unearned finance charges		(367,558)	(337,086)	(305,063)	(273,651)
Unearned insurance premiums		(28,591)	(24,900)	(21,546)	(18,594)
Finance receivables		1,104,813	1,042,186	973,434	912,250
Allowance for credit losses	$ 62,200	(62,200)	(60,900)	(57,200)	(56,400)
Net finance receivables		1,042,613	981,286	916,234	855,850
Average Loans and Leases Receivable Net of Deferred Income		$ 1,071,265	$ 1,010,515	$ 934,373	$ 924,948
Allowance for credit losses		5.60%	5.80%	5.90%	6.20%
30+ day contractual delinquency		7.20%	6.60%	6.40%	7.00%
Interest and fee yield (annualized)		32.80%	32.90%	32.50%	32.10%
Operating expense ratio (annualized)		15.30%	15.90%	16.20%	16.50%
Net credit loss ratio (annualized)		9.20%	8.20%	10.70%	10.90%

Concentrations of Credit Risk -

Concentrations of Credit Risk - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2019
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, 2019	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 1,104,813	$ 932,243	$ 817,463
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	462,499	437,662	375,772
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	608,608	437,998	347,218
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	9,623	26,154	61,423
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 24,083	$ 30,429	$ 33,050

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, 2019	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 79,032	$ 72,161
Past due, Percent	7.20%	7.70%
Total finance receivables	$ 1,104,813	$ 932,243	$ 817,463
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 42,233	$ 39,563
Finance receivables in nonaccrual status, Percent	3.80%	4.20%
Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 921,856	$ 754,162
Current, Percent	83.40%	80.90%
1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 103,925	$ 105,920
Past due, Percent	9.40%	11.40%
Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 25,110	$ 22,529
Past due, Percent	2.30%	2.30%
Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 18,665	$ 17,382
Past due, Percent	1.70%	1.90%
Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 13,836	$ 12,279
Past due, Percent	1.30%	1.30%
Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 11,595	$ 10,890
Past due, Percent	1.00%	1.20%
Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 9,826	$ 9,081
Past due, Percent	0.90%	1.00%
Small Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 42,265	$ 40,663
Past due, Percent	9.10%	9.30%
Total finance receivables	$ 462,499	$ 437,662	375,772
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 22,718	$ 22,549
Finance receivables in nonaccrual status, Percent	4.90%	5.20%
Small Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 372,921	$ 347,053
Current, Percent	80.70%	79.30%
Small Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 47,313	$ 49,946
Past due, Percent	10.20%	11.40%
Small Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 12,666	$ 12,168
Past due, Percent	2.80%	2.80%
Small Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 9,889	$ 9,555
Past due, Percent	2.10%	2.20%
Small Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 7,500	$ 7,202
Past due, Percent	1.60%	1.60%
Small Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 6,570	$ 6,266
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	$ 5,640	$ 5,472
Past due, Percent	1.20%	1.30%
Large Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 33,554	$ 26,814
Past due, Percent	5.50%	6.10%
Total finance receivables	$ 608,608	$ 437,998	347,218
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 17,739	$ 14,379
Finance receivables in nonaccrual status, Percent	2.90%	3.30%
Large Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 523,936	$ 365,950
Current, Percent	86.10%	83.60%
Large Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 51,118	$ 45,234
Past due, Percent	8.40%	10.30%
Large Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 11,351	$ 8,768
Past due, Percent	1.90%	2.00%
Large Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 8,103	$ 6,779
Past due, Percent	1.30%	1.50%
Large Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,832	$ 4,407
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	$ 4,541	$ 3,823
Past due, Percent	0.70%	0.90%
Large Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,727	$ 3,037
Past due, Percent	0.60%	0.70%
Automobile Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 754	$ 2,083
Past due, Percent	7.80%	8.00%
Total finance receivables	$ 9,623	$ 26,154	61,423
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 590	$ 1,359
Finance receivables in nonaccrual status, Percent	6.10%	5.20%
Automobile Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 6,906	$ 17,767
Current, Percent	71.80%	67.90%
Automobile Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,963	$ 6,304
Past due, Percent	20.40%	24.10%
Automobile Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 240	$ 751
Past due, Percent	2.50%	2.90%
Automobile Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 110	$ 421
Past due, Percent	1.10%	1.60%
Automobile Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 129	$ 241
Past due, Percent	1.40%	0.90%
Automobile Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 127	$ 434
Past due, Percent	1.30%	1.70%
Automobile Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 148	$ 236
Past due, Percent	1.50%	0.90%
Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,459	$ 2,601
Past due, Percent	10.20%	8.50%
Total finance receivables	$ 24,083	$ 30,429	$ 33,050
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 1,186	$ 1,276
Finance receivables in nonaccrual status, Percent	4.90%	4.20%
Retail Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 18,093	$ 23,392
Current, Percent	75.10%	76.90%
Retail Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,531	$ 4,436
Past due, Percent	14.70%	14.60%
Retail Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 853	$ 842
Past due, Percent	3.60%	2.70%
Retail Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 563	$ 627
Past due, Percent	2.30%	2.10%
Retail Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 375	$ 429
Past due, Percent	1.50%	1.40%
Retail Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 357	$ 367
Past due, Percent	1.50%	1.20%
Retail Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 311	$ 336
Past due, Percent	1.30%	1.10%

Finance Receivables, Credit Q_5

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, 2019	Dec. 31, 2018	Dec. 31, 2017
Receivables [Abstract]
Balance at beginning of period	$ 58,300	$ 48,910	$ 41,250
Provision for credit losses	99,611	87,056	77,339
Credit losses	(100,056)	(82,341)	(75,880)
Recoveries	4,345	4,675	6,201
Balance at end of period	$ 62,200	$ 58,300	$ 48,910

Finance Receivables, Credit Q_6

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, 2019

Sep. 30, 2019

Jun. 30, 2019

Mar. 31, 2019

Dec. 31, 2018

Sep. 30, 2018

Jun. 30, 2018

Mar. 31, 2018

Sep. 30, 2018

Sep. 30, 2017

Dec. 31, 2019

Dec. 31, 2018

Dec. 31, 2017

Financing Receivable, Allowance for Credit Losses [Line Items]

Increase (decrease) in net income from a change in allowance assumption

$ (200)

$ 0

$ 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

0

$ 200

$ 100

Increase (decrease) in provision for credit losses

$ 26,039

$ 24,515

$ 25,714

$ 23,343

$ 23,698

$ 23,640

$ 20,203

$ 19,515

$ 99,611

$ 87,056

$ 77,339

Impaired finance receivables as a percentage of total finance receivables

2.80%

2.90%

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 provision for credit losses

$ 3,000

Bulk Sale of Charged Off Loans [Member]

Financing Receivable, Allowance for Credit Losses [Line Items]

Recoveries

$ 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 provision for credit losses

$ 3,900

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, 2019	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 58,300	$ 48,910	$ 41,250
Provision	99,611	87,056	77,339
Credit losses	(100,056)	(82,341)	(75,880)
Recoveries	4,345	4,675	6,201
Balance at end of period	62,200	58,300	48,910
Finance receivables	$ 1,104,813	$ 932,243	$ 817,463
Allowance as Percentage of Finance Receivables	5.60%	6.30%	6.00%
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 30,759	$ 24,749	$ 21,770
Provision	54,842	51,859	45,104
Credit losses	(57,323)	(48,333)	(45,612)
Recoveries	2,310	2,484	3,487
Balance at end of period	30,588	30,759	24,749
Finance receivables	$ 462,499	$ 437,662	$ 375,772
Allowance as Percentage of Finance Receivables	6.60%	7.00%	6.60%
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 23,702	$ 17,548	$ 11,460
Provision	41,278	31,103	25,024
Credit losses	(37,475)	(26,337)	(20,088)
Recoveries	1,643	1,388	1,152
Balance at end of period	29,148	23,702	17,548
Finance receivables	$ 608,608	$ 437,998	$ 347,218
Allowance as Percentage of Finance Receivables	4.80%	5.40%	5.10%
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 1,893	$ 4,025	$ 5,910
Provision	575	1,300	4,210
Credit losses	(1,893)	(4,085)	(7,424)
Recoveries	245	653	1,329
Balance at end of period	820	1,893	4,025
Finance receivables	$ 9,623	$ 26,154	$ 61,423
Allowance as Percentage of Finance Receivables	8.50%	7.20%	6.60%
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 1,946	$ 2,588	$ 2,110
Provision	2,916	2,794	3,001
Credit losses	(3,365)	(3,586)	(2,756)
Recoveries	147	150	233
Balance at end of period	1,644	1,946	2,588
Finance receivables	$ 24,083	$ 30,429	$ 33,050
Allowance as Percentage of Finance Receivables	6.80%	6.40%	7.80%

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, 2019	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	$ 31,369	$ 26,585
Finance receivables evaluated collectively	1,073,444	905,658
Finance receivables	1,104,813	932,243	$ 817,463
Impaired receivables in nonaccrual status	5,042	3,716
Amount of the specific reserve for impaired accounts	12,257	11,204
Amount of the general component of the allowance	49,943	47,096
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	9,920	8,361
Finance receivables evaluated collectively	452,579	429,301
Finance receivables	462,499	437,662	375,772
Impaired receivables in nonaccrual status	1,629	1,209
Amount of the specific reserve for impaired accounts	4,069	3,791
Amount of the general component of the allowance	26,519	26,968
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	20,667	17,196
Finance receivables evaluated collectively	587,941	420,802
Finance receivables	608,608	437,998	347,218
Impaired receivables in nonaccrual status	3,189	2,292
Amount of the specific reserve for impaired accounts	7,733	6,860
Amount of the general component of the allowance	21,415	16,842
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	652	918
Finance receivables evaluated collectively	8,971	25,236
Finance receivables	9,623	26,154	61,423
Impaired receivables in nonaccrual status	184	178
Amount of the specific reserve for impaired accounts	386	492
Amount of the general component of the allowance	434	1,401
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	130	110
Finance receivables evaluated collectively	23,953	30,319
Finance receivables	24,083	30,429	$ 33,050
Impaired receivables in nonaccrual status	40	37
Amount of the specific reserve for impaired accounts	69	61
Amount of the general component of the allowance	$ 1,575	$ 1,885

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, 2019	Dec. 31, 2018
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	$ 29,576	$ 21,288
Interest Income Recognized	4,131	2,771
Small Loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	9,723	6,577
Interest Income Recognized	1,551	1,066
Large Loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	18,938	13,221
Interest Income Recognized	2,538	1,639
Automobile Loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	786	1,381
Interest Income Recognized	37	60
Retail Loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	129	109
Interest Income Recognized	$ 5	$ 6

Property and Equipment - Summar

Property and Equipment - Summary of Property and Equipment (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 37,295	$ 33,709
Less accumulated depreciation	21,994	19,783
Property and equipment, net of accumulated depreciation	15,301	13,926
Furniture, Fixtures and Equipment [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	25,185	23,131
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 12,110	$ 10,578

Property and Equipment - Additi

Property and Equipment - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Property, Plant and Equipment [Abstract]
Depreciation expense	$ 4.3	$ 3.7	$ 3.4

Leases - Additional Information

Leases - Additional Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Operating Leased Assets [Line Items]
Lease liability	$ 28,470
Lease assets	$ 26,438
Operating Lease Weighted Average Remaining Lease Term	5 years 7 months 6 days
Operating Lease Weighted Average Discount Rate Percent	5.40%
Rent expense	$ 8,400	$ 8,100	$ 7,700
Corporate Headquarters [Member]
Operating Leased Assets [Line Items]
Lease agreement term	11 years
Extend lease agreement term	10 years
Minimum [Member] | Branch [Member]
Operating Leased Assets [Line Items]
Lease agreement term	5 years
Maximum [Member] | Branch [Member]
Operating Leased Assets [Line Items]
Lease agreement term	7 years

Leases - Future Maturities of O

Leases - Future Maturities of Operating Lease Liabilities (Detail) $ in Thousands	Dec. 31, 2019USD ($)
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2020	$ 7,047
2021	6,562
2022	5,242
2023	4,641
2024	3,596
Thereafter	6,186
Total future minimum lease payments	33,274
Present value adjustment	(4,804)
Operating lease liability	$ 28,470

Leases - Summary of Additional

Leases - Summary of Additional Information About Company's Operating and Short-Term Lease ExpensesLeases (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Operating leases	$ 7,929
Short-term leases	435
Total	8,364
Cash paid for operating leases	7,379
Lease assets and liabilities acquired	$ 10,102	[1]
[1]	Excludes $24.1 million of lease assets and liabilities recorded on the transition date.

Leases - Summary of Additiona_2

Leases - Summary of Additional Information About Company's Operating Leases (Parenthetical) (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Jan. 01, 2019
Lease assets	$ 26,438
Lease liabilities	$ 28,470
Accounting Standards Update 2016-02 [Member]
Lease assets		$ 24,100
Lease liabilities		$ 24,100

Intangible Assets - Summary of

Intangible Assets - Summary of Gross Carrying Amount and Related Accumulated Amortization of Intangible Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Intangible Assets Including Goodwill [Line Items]
Goodwill, Gross Carrying Amount	$ 950	$ 950
Total intangible assets, Gross Carrying Amount	16,339	14,761
Goodwill, Accumulated Amortization	(234)	(234)
Total intangible assets, Accumulated Amortization	(6,901)	(4,751)
Net Amount	8,722
Goodwill, Net Amount	716	716
Total intangible assets, Net Amount	9,438	10,010
Software [Member]
Intangible Assets Including Goodwill [Line Items]
Gross Carrying Amount	15,389	13,811
Accumulated Amortization	(6,667)	(4,517)
Net Amount	$ 8,722	$ 9,294

Intangible Assets - Additional

Intangible Assets - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Goodwill and Intangible Assets Disclosure [Abstract]
Amortization expense for intangible assets	$ 2,200,000	$ 2,000,000	$ 2,200,000
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, 2019USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2020	$ 2,120
2021	1,966
2022	1,870
2023	1,596
2024	915
Thereafter	255
Total	$ 8,722

Other Assets - Summary of Other

Other Assets - Summary of Other Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Prepaid expenses	$ 3,256	$ 4,167
Credit insurance receivable	2,061	1,027
Card payments receivable	1,853	2,292
Other	534	889
Total other assets	$ 7,704	$ 8,375

Interest Rate Caps - Additional

Interest Rate Caps - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Derivative [Line Items]
Notional amount of interest rate cap	$ 350
Maturity period of interest rate caps exchanged	Jun. 30, 2020
London Interbank Offered Rate (LIBOR) [Member]
Derivative [Line Items]
Interest rate	1.76%	2.50%
Interest Rate Cap Contracts Expiring In April 2020 [Member]
Derivative [Line Items]
Notional amount of interest rate cap	$ 100
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
Strike rate	2.50%
Interest Rate Cap Contracts Expiring In April 2021 [Member]
Derivative [Line Items]
Notional amount of interest rate cap	$ 200
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, 2019	Dec. 31, 2018	Dec. 31, 2017
Offsetting [Abstract]
Balance at beginning of period	$ 249	$ 98	$ 62
Purchases		481	100
Fair value adjustment included as an increase in interest expense	$ (249)	(330)	(64)
Balance at end of period, included in other assets		$ 249	$ 98

Long-Term Debt - Summary of the

Long-Term Debt - Summary of the Company's Long-Term Debt (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Long-term debt	$ 808,218	$ 660,507
Unamortized debt issuance costs	(9,607)	(9,158)
Net long-term debt	798,611	651,349
Unused amount of revolving credit facilities (subject to borrowing base)	369,271	406,600
Senior Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Long-term debt	350,818	328,074
Unamortized debt issuance costs	(2,504)	(1,604)
Net long-term debt	348,314	326,470
Amortizing Loan [Member]
Debt Instrument [Line Items]
Long-term debt		21,642
Unamortized debt issuance costs		(201)
Net long-term debt		21,441
Revolving Warehouse Credit Facility [Member]
Debt Instrument [Line Items]
Long-term debt	46,633	30,126
Unamortized debt issuance costs	(1,875)	(1,899)
Net long-term debt	44,758	28,227
RMIT 2018-1 securitization [Member]
Debt Instrument [Line Items]
Long-term debt	150,246	150,246
Unamortized debt issuance costs	(1,558)	(2,849)
Net long-term debt	148,688	147,397
RMIT 2018-2 securitization [Member]
Debt Instrument [Line Items]
Long-term debt	130,349	130,419
Unamortized debt issuance costs	(1,687)	(2,605)
Net long-term debt	128,662	$ 127,814
RMIT 2019-1 securitization [Member]
Debt Instrument [Line Items]
Long-term debt	130,172
Unamortized debt issuance costs	(1,983)
Net long-term debt	$ 128,189

Long-Term Debt - Additional Inf

Long-Term Debt - Additional Information (Detail) - USD ($)	3 Months Ended	9 Months Ended	12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Nov. 30, 2017	Dec. 31, 2016	Dec. 31, 2015
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account	$ 54,164,000		$ 54,164,000	$ 46,484,000	$ 16,787,000		$ 8,297,000
Amortizing Loan [Member]
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account	0		$ 0
Amortizing loan, amount								$ 75,700,000
Additional loan advance						$ 37,800,000
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%
Revolving Warehouse Credit Facility [Member]
Line of Credit Facility [Line Items]
Secured line of credit	$ 125,000,000		$ 125,000,000
Debt agreement expiration date			Sep. 20, 2022
Line of credit facility, accordion feature			$ 150,000,000
Percentage of advances on debt agreement eligible secured finance receivables	80.00%		80.00%
Cash deposited to restricted cash reserve account	$ 300,000		$ 300,000
Debt maturity date			2022-04
Debt revolving period end date			2021-04
RMIT 2018-1 securitization [Member]
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account	$ 1,700,000		$ 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%		3.93%
RMIT 2018-2 securitization [Member]
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account	$ 1,400,000		$ 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%		4.87%
RMIT 2019-1 securitization [Member]
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account	$ 1,400,000		$ 1,400,000
Debt maturity date			2028-11
Debt revolving period end date			2021-10
Private offering of investment grade asset-backed notes			$ 130,000,000
Weighted average rate	3.17%		3.17%
Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Secured line of credit	$ 640,000,000		$ 640,000,000
Debt agreement expiration date			Jun. 20, 2020
Line of credit facility, accordion feature			$ 650,000,000
Percentage of advances on debt agreement eligible secured finance receivables	85.00%		85.00%
Percentage of advances on debt agreement eligible unsecured finance receivables	80.00%		80.00%
Current percentage of advances on eligible secured finance receivables	80.00%		80.00%
Current percentage of advances on eligible unsecured finance receivables	75.00%		75.00%
Credit facility, eligible borrowing capacity	$ 109,600,000		$ 109,600,000
Percentage of advances on debt agreement eligible delinquent renewals of finance receivables	60.00%		60.00%
Commitment fee description			The Company pays an unused line fee of between 0.375% and 0.65% based upon the average outstanding balance of the facility.
Current percentage of advances on eligible delinquent renewals of finance receivables	55.00%		55.00%
Senior Revolving Credit Facility [Member] | Senior Revolving Credit Facility Prior to September 20, 2019 [Member]
Line of Credit Facility [Line Items]
Secured line of credit	$ 638,000,000		$ 638,000,000
Debt agreement expiration date			Jun. 20, 2020
Waterfall [Member]
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account	$ 39,400,000		$ 39,400,000	$ 33,500,000
Minimum [Member] | Revolving Warehouse Credit Facility [Member]
Line of Credit Facility [Line Items]
Unused line fee			0.35%
Minimum [Member] | Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Unused line fee			0.375%
Maximum [Member] | Revolving Warehouse Credit Facility [Member]
Line of Credit Facility [Line Items]
Unused line fee			0.85%
Maximum [Member] | Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Unused line fee			0.65%
London Interbank Offered Rate (LIBOR) [Member]
Line of Credit Facility [Line Items]
Interest rate	1.76%		1.76%	2.50%
London Interbank Offered Rate (LIBOR) [Member] | Revolving Warehouse Credit Facility [Member]
Line of Credit Facility [Line Items]
Interest rate	1.91%		1.91%	2.81%
London Interbank Offered Rate (LIBOR) [Member] | Revolving Warehouse Credit Facility [Member] | Milestones Associated with Conversion to New Loan Origination and Servicing System [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread	2.15%	2.20%
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	1.76%		1.76%	2.50%
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%		1.00%

Long-Term Debt - Schedule of Ca

Long-Term Debt - Schedule of Carrying Amounts of Consolidated VIE's Assets and Liabilities (Detail) - USD ($) $ in Thousands	Jan. 01, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Assets
Cash		$ 2,263	$ 3,657	$ 5,230	$ 4,446
Finance receivables		1,104,813	932,243	817,463
Allowance for credit losses	$ (122,300)	(62,200)	(58,300)	(48,910)	(41,250)
Restricted cash		54,164	46,484	$ 16,787	$ 8,297
Other assets		7,704	8,375
Total assets		1,158,540	956,395
Liabilities
Net long-term debt		798,611	651,349
Accounts payable and accrued expenses		28,676	25,138
Total liabilities		855,757	677,234
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash		152	168
Finance receivables		474,340	342,481
Allowance for credit losses		(22,015)	(18,378)
Restricted cash		44,221	39,361
Other assets		68	75
Total assets		496,766	363,707
Liabilities
Net long-term debt		450,297	324,879
Accounts payable and accrued expenses		86	25
Total liabilities		$ 450,383	$ 324,904

Long-Term Debt - Summary of Est

Long-Term Debt - Summary of Estimated Principal Payments Required on Outstanding Debt (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Disclosure [Abstract]
2020	$ 59,940
2021	170,817
2022	533,908
2023	43,553
2024
Total	$ 808,218	$ 660,507

Stockholders' Equity - Addition

Stockholders' Equity - Additional information (Detail) - USD ($) shares in Thousands, $ in Millions	Oct. 31, 2019	Dec. 31, 2019	May 31, 2019
Repurchase shares of common stock			$ 25
Stock repurchased, shares		938
Stock repurchased, value	$ 25
Stock repurchase program expiration date		May 6, 2021

Disclosure About Fair Value o_3

Disclosure About Fair Value of Financial Instruments - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2019
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, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Assets
Interest rate caps		$ 249	$ 98	$ 62
Net finance receivables	$ 1,042,613	873,943
Carrying Amount [Member] | Level 1 Inputs [Member]
Assets
Cash	2,263	3,657
Restricted cash	54,164	46,484
Carrying Amount [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps		249
Carrying Amount [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	1,042,613	873,943
Liabilities
Long-term debt	808,218	660,507
Estimated Fair Value [Member] | Level 1 Inputs [Member]
Assets
Cash	2,263	3,657
Restricted cash	54,164	46,484
Estimated Fair Value [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps		249
Estimated Fair Value [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	1,042,613	873,943
Liabilities
Long-term debt	$ 808,218	$ 660,507

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, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on a recurring basis	$ 0	$ 249
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	$ 0	$ 249

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Schedule Of Income Taxes [Line Items]
Federal corporate tax rate									21.00%	21.00%	35.00%
Benefit to income tax expense, Tax Act											$ (3,122)
State net operating loss carryforward	$ 8,000				$ 8,200				$ 8,000	$ 8,200
State net operating loss carryforwards expiration period									Jan. 1, 2020
Deferred tax assets, state taxes	300				300				$ 300	300
Income tax expense	5,086	$ 4,105	$ 2,677	$ 2,393	3,022	$ 2,237	$ 2,601	$ 2,697	14,261	10,557	10,294
Tax benefit									200	400	$ 1,600
Unrecognized tax benefits	$ 815				$ 0				815	$ 0
Interest and penalties accrued, unrecognized tax benefits									$ 52
Tax Year 2015 [Member] | Texas [Member]
Schedule Of Income Taxes [Line Items]
Open tax year									2015

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, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Federal tax expense at statutory rate									21.00%	21.00%	35.00%
Increase (reduction) in income taxes resulting from:
State tax, net of federal benefit									3.40%	3.30%	3.10%
Excess tax benefits from share-based awards									(0.30%)	(0.80%)	(4.00%)
Research and development tax credits									(0.10%)	(0.20%)	(1.00%)
Tax Cuts and Jobs Act									0.00%	0.00%	(7.80%)
Other									0.20%	(0.30%)	0.30%
Effective tax rate									24.20%	23.00%	25.60%
Federal tax expense at statutory rate									$ 12,389	$ 9,639	$ 14,090
Increase (reduction) in income taxes resulting from:
State tax, net of federal benefit									1,980	1,521	1,253
Excess tax benefits from share-based awards									(171)	(370)	(1,603)
Research and development tax credits									(31)	(114)	(400)
Tax Cuts and Jobs Act											(3,122)
Other									94	(119)	76
Total	$ 5,086	$ 4,105	$ 2,677	$ 2,393	$ 3,022	$ 2,237	$ 2,601	$ 2,697	$ 14,261	$ 10,557	$ 10,294

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, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Current:
Federal									$ 13,270	$ 12,442	$ 4,479
State and local									2,357	2,329	821
Current total									15,627	14,771	5,300
Deferred:
Federal									(1,298)	(3,705)	4,464
State and local									(68)	(509)	530
Deferred total									(1,366)	(4,214)	4,994
Total	$ 5,086	$ 4,105	$ 2,677	$ 2,393	$ 3,022	$ 2,237	$ 2,601	$ 2,697	$ 14,261	$ 10,557	$ 10,294

Income Taxes - Net Deferred Tax

Income Taxes - Net Deferred Tax Assets and Liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deferred tax assets:
Allowance for credit losses	$ 12,879	$ 10,315
Unearned insurance premiums	5,058	3,393
Share-based compensation	2,933	2,765
Accrued expenses	1,928	1,773
State net operating loss carryforward	262	274
Amortization of intangible assets	200	376
Deferred rent	129
Deferred contract incentive	60	86
Other	83	86
Gross deferred tax assets	23,532	19,068
Deferred tax liabilities:
Fair market value adjustment of finance receivables	16,853	13,378
Tax over book depreciation	3,735	4,058
Deferred loan costs	1,983	1,814
Prepaid expenses	316	372
Other	26	193
Gross deferred tax liabilities	22,913	19,815
Net deferred tax asset (liability)	$ 619
Net deferred tax liability		$ (747)

Income Taxes - Unrecognized Tax

Income Taxes - Unrecognized Tax Positions Reconciliation (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Balance at January 1	$ 0
Additions based on tax positions related to the current year	363
Additions for tax positions of prior years	452
Reductions for tax positions of prior years	0
Settlements	0
Balance at December 31	$ 815

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, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Numerator:
Net income	$ 15,683	$ 12,572	$ 8,369	$ 8,108	$ 10,770	$ 7,449	$ 8,482	$ 8,644	$ 44,732	$ 35,345	$ 29,963
Denominator:
Weighted-average shares outstanding for basic earnings per share									11,401	11,655	11,551
Effect of dilutive securities									372	423	232
Weighted-average shares adjusted for dilutive securities									11,773	12,078	11,783
Basic	$ 1.44	$ 1.11	$ 0.71	$ 0.69	$ 0.92	$ 0.64	$ 0.73	$ 0.74	$ 3.92	$ 3.03	$ 2.59
Diluted	$ 1.38	$ 1.08	$ 0.70	$ 0.67	$ 0.90	$ 0.61	$ 0.70	$ 0.72	$ 3.80	$ 2.93	$ 2.54

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares shares in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Stock Compensation Plans [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase common stock, Shares	250	148	126

Employee Benefit Plans - Additi

Employee Benefit Plans - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Defined Contribution Plan Disclosure [Line Items]
Minimum service period required	6 months
Expense of employee related plan	$ 1.5	$ 0.9	$ 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, 2019	Dec. 31, 2018	Dec. 31, 2017	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	800,000
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 years
Minimum [Member] | Long Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of performance target for achievement	0.00%
Maximum [Member] | Graded and Cliff Vesting [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period of options	5 years
Maximum [Member] | Long Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of performance target for achievement	150.00%
Stock Compensation Plans [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized share-based compensation expense	$ 5.6
Period of recognition of share-based compensation expense	1 year 8 months 12 days
Share-based compensation expense	$ 5.1	$ 5.3	$ 3.7
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				900,000
Plan description	As of December 31, 2019, 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 an RSA, 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, 2019	Dec. 31, 2018	Dec. 31, 2017
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Expected volatility	41.06%	41.63%	43.95%
Expected dividends	0.00%	0.00%	0.00%
Expected term (in years)	6 years	6 years	6 days
Risk-free rate	2.41%	2.66%	2.09%

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, 2019USD ($)$ / sharesshares
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Number of Shares, Options outstanding, Beginning balance | shares	981
Number of Shares, Granted | shares	124
Number of Shares, Exercised | shares	(16)
Number of Shares, Forfeited | shares	(22)
Number of Shares, Expired | shares
Number of Shares, Options outstanding, Ending balance | shares	1,067
Number of Shares, Options exercisable | shares	956
Weighted Average Exercise Price Per Share, Options outstanding, Beginning balance | $ / shares	$ 18.69
Weighted Average Exercise Price Per Share, Granted | $ / shares	27.53
Weighted Average Exercise Price Per Share, Exercised | $ / shares	16.50
Weighted Average Exercise Price Per Share, Forfeited | $ / shares	25.70
Weighted Average Exercise Price Per Share, Expired | $ / shares
Weighted Average Exercise Price Per Share, Options outstanding, Ending balance | $ / shares	19.61
Weighted Average Exercise Price Per Share, Options exercisable | $ / shares	$ 18.67
Weighted Average Remaining Contractual Life (Years), Options outstanding	5 years 8 months 12 days
Weighted Average Remaining Contractual Life (Years), Options exercisable	5 years 3 months 18 days
Aggregate Intrinsic Value, Options outstanding | $	$ 11,222
Aggregate Intrinsic Value, Options exercisable | $	$ 10,957

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, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Weighted-average grant date fair value per share	$ 11.82	$ 12.39	$ 8.90
Intrinsic value of options exercised	$ 265	$ 1,604	$ 4,981
Fair value of stock options that vested	$ 1,126	$ 1,809	$ 3,004

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, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested units at January 1, 2019	182
Granted (target)	40
Achieved performance adjustment	8
Vested	(54)
Forfeited	(20)
Non-vested units at December 31, 2019	156	182
Weighted Average Grant Date Fair Value, Non-vested units at January 1, 2019	$ 21.89
Weighted Average Grant Date Fair Value, Granted (target)	27.89	$ 28.25	$ 19.99
Weighted Average Grant Date Fair Value, Achieved performance adjustment	16.98
Weighted Average Grant Date Fair Value, Vested	16.98
Weighted Average Grant Date Fair Value, Forfeited	24.39
Weighted Average Grant Date Fair Value Non-vested units at December 31, 2019	$ 24.57	$ 21.89

Share-based Compensation - Su_4

Share-based Compensation - Summary of RSU Activity (Parenthetical) (Detail)	12 Months Ended
	Dec. 31, 2019
Restricted Stock Units (RSUs) [Member] | Long Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
The target percentage of RSUs earned and vested	116.50%

Share-based Compensation - Su_5

Share-based Compensation - Summary of Additional RSU Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Fair value of RSUs that vested
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per unit	$ 27.89	$ 28.25	$ 19.99
Fair value of RSUs that vested	$ 916

Share-based Compensation - Su_6

Share-based Compensation - Summary of RSA Activity (Detail) - Restricted Stock [Member] - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested units at January 1, 2019	71
Granted	166
Vested	(103)
Forfeited	(8)
Non-vested units at December 31, 2019	126	71
Weighted Average Grant Date Fair Value, Non-vested units at January 1, 2019	$ 26.95
Weighted Average Grant Date Fair Value, Granted	26.78	$ 24.98	$ 18.38
Weighted Average Grant Date Fair Value, Vested	26.97
Weighted Average Grant Date Fair Value, Forfeited	26.06
Weighted Average Grant Date Fair Value Non-vested units at December 31, 2019	$ 26.78	$ 26.95

Share-based Compensation - Su_7

Share-based Compensation - Summary of Additional RSA Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Fair value of RSAs that vested
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per share	$ 26.78	$ 24.98	$ 18.38
Fair value of RSAs that vested	$ 2,767	$ 1,609	$ 983

Insurance Products and Reinsu_3

Insurance Products and Reinsurance of Certain Risks - Additional Information (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Insurance [Line Items]
Restricted cash	$ 54,164	$ 46,484	$ 16,787	$ 8,297
Letter of credit	0	100
Insurance Cash Reserves [Member]
Insurance [Line Items]
Restricted cash	$ 9,900	$ 7,100

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, 2019	Dec. 31, 2018	Dec. 31, 2017
Insurance [Abstract]
Earned premiums	$ 35,544	$ 31,095	$ 25,860
Claims, reserves, and certain direct expenses	(14,727)	(16,302)	(12,799)
Insurance income, net	$ 20,817	$ 14,793	$ 13,061

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, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Quarterly Financial Information Disclosure [Abstract]
Total revenue	$ 97,984	$ 91,707	$ 84,274	$ 81,748	$ 83,749	$ 77,916	$ 72,416	$ 72,625	$ 355,713	$ 306,706	$ 272,459
Provision for credit losses	26,039	24,515	25,714	23,343	23,698	23,640	20,203	19,515	99,611	87,056	77,339
General and administrative expenses	40,891	40,167	37,743	38,183	36,616	35,861	33,215	34,592	156,984	140,284	130,955
Interest expense	10,285	10,348	9,771	9,721	9,643	8,729	7,915	7,177	40,125	33,464	23,908
Income tax	5,086	4,105	2,677	2,393	3,022	2,237	2,601	2,697	14,261	10,557	10,294
Net income	$ 15,683	$ 12,572	$ 8,369	$ 8,108	$ 10,770	$ 7,449	$ 8,482	$ 8,644	$ 44,732	$ 35,345	$ 29,963
Net income per common share:
Basic	$ 1.44	$ 1.11	$ 0.71	$ 0.69	$ 0.92	$ 0.64	$ 0.73	$ 0.74	$ 3.92	$ 3.03	$ 2.59
Diluted	$ 1.38	$ 1.08	$ 0.70	$ 0.67	$ 0.90	$ 0.61	$ 0.70	$ 0.72	$ 3.80	$ 2.93	$ 2.54

Quarterly Information (Unaudi_4

Quarterly Information (Unaudited) - Summary of the Company's Quarterly Financial Information (Parenthetical) (Detail) $ in Millions	3 Months Ended
	Sep. 30, 2018USD ($)
Quarterly Information [Line Items]
Incremental hurricane allowance for credit losses	$ 3.9

Subsequent Events - Additional

Subsequent Events - Additional Information (Detail) - USD ($) $ in Millions	1 Months Ended	3 Months Ended	9 Months Ended	12 Months Ended
	Mar. 31, 2020	Mar. 31, 2020	Dec. 31, 2020	Dec. 31, 2019
Subsequent Event [Line Items]
Notional amount of interest rate cap				$ 350
Maturity period of interest rate caps				Jun. 30, 2020
Subsequent Event [Member] | Isolated Information Technology Infrastructure Event [Member]
Subsequent Event [Line Items]
System Outage Net Income Impact		$ 1.3	$ 0.3
Subsequent Event [Member] | Interest Rate Caps [Member]
Subsequent Event [Line Items]
Purchased an interest rate cap contract	$ 0.2	0.2
Notional amount of interest rate cap	$ 100	$ 100
Maturity interest rate	1.75%	1.75%
Maturity period of interest rate caps	Mar. 31, 2023