Regional Management (RM) 10-Q 10 Aug 20 2020 Q2 Quarterly report Financial data

Cover Page

Cover Page - shares	6 Months Ended
	Jun. 30, 2020	Aug. 06, 2020
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Entity Interactive Data Current	Yes
Document Period End Date	Jun. 30, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q2
Entity Registrant Name	Regional Management Corp.
Trading Symbol	RM
Entity Central Index Key	0001519401
Current Fiscal Year End Date	--12-31
Entity Current Reporting Status	Yes
Entity Shell Company	false
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Document Quarterly Report	true
Document Transition Report	false
Entity File Number	001-35477
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	57-0847115
Entity Address, Address Line One	979 Batesville Road
Entity Address, Address Line Two	Suite B
Entity Address, City or Town	Greer
Entity Address, Postal Zip Code	29651
City Area Code	864
Local Phone Number	448-7000
Security Exchange Name	NYSE
Entity Address, State or Province	SC
Title of 12(b) Security	Common Stock
Entity Common Stock, Shares Outstanding		11,337,070

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Assets
Cash	$ 8,973	$ 2,263
Net finance receivables	1,022,635	1,133,404
Unearned insurance premiums	(27,016)	(28,591)
Allowance for credit losses	(142,000)	(62,200)
Net finance receivables, less unearned insurance premiums and allowance for credit losses	853,619	1,042,613
Restricted cash	54,423	54,164
Lease assets	27,177	26,438
Property and equipment	15,504	15,301
Intangible assets	8,824	9,438
Deferred tax asset	20,682	619
Other assets	11,023	7,704
Total assets	1,000,225	1,158,540
Liabilities:
Long-term debt	683,865	808,218
Unamortized debt issuance costs	(7,584)	(9,607)
Net long-term debt	676,281	798,611
Accounts payable and accrued expenses	34,843	28,676
Lease liabilities	29,220	28,470
Total liabilities	740,344	855,757
Commitments and contingencies (Note 10)
Stockholders' equity:
Preferred stock ($0.10 par value, 100,000 shares authorized, none issued or outstanding)
Common stock ($0.10 par value, 1,000,000 shares authorized, 13,727 shares issued and 11,243 shares outstanding at June 30, 2020 and 13,497 shares issued and 11,013 shares outstanding at December 31, 2019)	1,373	1,350
Additional paid-in capital	104,530	102,678
Retained earnings	204,052	248,829
Treasury stock (2,484 shares at June 30, 2020 and December 31, 2019)	(50,074)	(50,074)
Total stockholders' equity	259,881	302,783
Total liabilities and stockholders' equity	1,000,225	1,158,540
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	177	152
Net finance receivables	451,048	474,340
Allowance for credit losses	(57,879)	(22,015)
Restricted cash	43,729	44,221
Other assets	7	68
Total assets	437,082	496,766
Liabilities:
Net long-term debt	432,183	450,297
Accounts payable and accrued expenses	72	86
Total liabilities	$ 432,255	$ 450,383

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Jun. 30, 2020	Dec. 31, 2019
Statement of Financial Position [Abstract]
Preferred stock, par value	$ 0.10	$ 0.10
Preferred stock, shares authorized	100,000	100,000
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	1,000,000
Common stock, shares issued	13,727	13,497
Common stock, shares outstanding	11,243	11,013
Treasury stock, shares	2,484	2,484

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Revenue
Interest and fee income	$ 80,067	$ 75,974	$ 167,064	$ 150,296
Insurance income, net	7,650	5,066	13,599	9,179
Other income	2,133	3,234	5,261	6,547
Total revenue	89,850	84,274	185,924	166,022
Expenses
Provision for credit losses	27,499	25,714	77,021	49,057
Personnel	26,863	22,511	56,374	44,904
Occupancy	6,253	6,210	12,024	12,375
Marketing	1,438	2,261	3,124	3,912
Other	6,971	6,761	16,246	14,735
Total general and administrative expenses	41,525	37,743	87,768	75,926
Interest expense	9,137	9,771	19,296	19,492
Income before income taxes	11,689	11,046	1,839	21,547
Income taxes	4,219	2,677	694	5,070
Net income	$ 7,470	$ 8,369	$ 1,145	$ 16,477
Net income per common share:
Basic	$ 0.68	$ 0.71	$ 0.10	$ 1.41
Diluted	$ 0.68	$ 0.70	$ 0.10	$ 1.37
Weighted-average shares outstanding:
Basic	10,962	11,706	10,929	11,709
Diluted	11,013	12,022	11,130	12,049

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) shares in Thousands, $ in Thousands	Total	Cumulative Effect, Period of Adoption, Adjustment [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Retained Earnings [Member]Cumulative Effect, Period of Adoption, Adjustment [Member]	Treasury Stock [Member]
Beginning Balance at Dec. 31, 2018	$ 279,161		$ 1,332	$ 98,778	$ 204,097		$ (25,046)
Beginning Balance, shares at Dec. 31, 2018			13,323
Issuance of restricted stock awards			$ 19	(19)
Issuance of restricted stock awards, shares			190
Repurchase of common stock	(7,144)						(7,144)
Shares withheld related to net share settlement	(467)		$ (2)	(465)
Shares withheld related to net share settlement, shares			(19)
Share-based compensation	2,192			2,192
Net income	16,477				16,477
Ending Balance at Jun. 30, 2019	290,219		$ 1,349	100,486	220,574		(32,190)
Ending Balance, shares at Jun. 30, 2019			13,494
Beginning Balance at Mar. 31, 2019	287,816		$ 1,347	99,310	212,205		(25,046)
Beginning Balance, shares at Mar. 31, 2019			13,465
Issuance of restricted stock awards			$ 3	(3)
Issuance of restricted stock awards, shares			29
Repurchase of common stock	(7,144)						(7,144)
Shares withheld related to net share settlement	(17)		$ (1)	(16)
Share-based compensation	1,195			1,195
Net income	8,369				8,369
Ending Balance at Jun. 30, 2019	290,219		$ 1,349	100,486	220,574		(32,190)
Ending Balance, shares at Jun. 30, 2019			13,494
Beginning Balance at Dec. 31, 2019	302,783	$ (45,922)	$ 1,350	102,678	248,829	$ (45,922)	(50,074)
Beginning Balance, shares at Dec. 31, 2019			13,497
Issuance of restricted stock awards			$ 26	(26)
Issuance of restricted stock awards, shares			254
Exercise of stock options	$ 2		$ 2
Exercise of stock options, shares	22		22
Shares withheld related to net share settlement	$ (601)		$ (5)	(596)
Shares withheld related to net share settlement, shares			(46)
Share-based compensation	2,474			2,474
Net income	1,145				1,145
Ending Balance at Jun. 30, 2020	259,881		$ 1,373	104,530	204,052		(50,074)
Ending Balance, shares at Jun. 30, 2020			13,727
Beginning Balance at Mar. 31, 2020	251,362		$ 1,366	103,488	196,582		(50,074)
Beginning Balance, shares at Mar. 31, 2020			13,659
Issuance of restricted stock awards			$ 7	(7)
Issuance of restricted stock awards, shares			68
Shares withheld related to net share settlement	(6)			(6)
Share-based compensation	1,055			1,055
Net income	7,470				7,470
Ending Balance at Jun. 30, 2020	$ 259,881		$ 1,373	$ 104,530	$ 204,052		$ (50,074)
Ending Balance, shares at Jun. 30, 2020			13,727

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Cash flows from operating activities:
Net income	$ 1,145	$ 16,477
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	77,021	49,057
Depreciation and amortization	5,726	5,327
Loss on disposal of property and equipment	141	41
Share-based compensation	2,474	2,192
Fair value adjustment on interest rate caps	62	243
Deferred income taxes, net	(5,886)	(1,185)
Changes in operating assets and liabilities:
Increase in other assets	(4,119)	(473)
Increase (decrease) in accounts payable and accrued expenses	7,545	(5,072)
Net cash provided by operating activities	84,109	66,607
Cash flows from investing activities:
Net repayments (originations) of finance receivables	51,872	(91,348)
Purchases of intangible assets	(480)	(993)
Purchases of property and equipment	(2,624)	(2,418)
Proceeds from disposal of property and equipment	2	49
Net cash provided by (used in) investing activities	48,770	(94,710)
Cash flows from financing activities:
Net advances (payments) on senior revolving credit facility	(104,564)	17,516
Payments on amortizing loan		(9,391)
Net advances (payments) on revolving warehouse credit facility	(19,789)	20,748
Net payments on securitizations		(70)
Payments for debt issuance costs	(319)	(386)
Taxes paid related to net share settlement of equity awards	(1,238)	(814)
Repurchase of common stock		(7,144)
Net cash provided by (used in) financing activities	(125,910)	20,459
Net change in cash and restricted cash	6,969	(7,644)
Cash and restricted cash at beginning of period	56,427	50,141
Cash and restricted cash at end of period	63,396	42,497
Supplemental cash flow information:
Interest paid	17,449	17,059
Income taxes paid	$ 40	$ 9,121

Consolidated Statements of Ca_2

Consolidated Statements of Cash Flows (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019	Jun. 30, 2019	Dec. 31, 2018
Statement of Cash Flows [Abstract]
Cash	$ 8,973	$ 2,263	$ 694	$ 3,657
Restricted cash	54,423	54,164	41,803	46,484
Total cash and restricted cash	$ 63,396	$ 56,427	$ 42,497	$ 50,141

Nature of Business

Nature of Business	6 Months Ended
	Jun. 30, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Business	Note 1. Nature of Business Regional Management Corp. (the “ Company Mid-Atlantic, 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 CECL COVID-19

Basis of Presentation and Signi

Basis of Presentation and Significant Accounting Policies	6 Months Ended
	Jun. 30, 2020
Accounting Policies [Abstract]
Basis of Presentation and Significant Accounting Policies	Note 2. Basis of Presentation and Significant Accounting Policies Basis of presentation: 10-Q SEC GAAP 10-Q 10-K Significant accounting policies: Principles of consolidation: VIE 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 fair value of financial instruments. Reclassifications: Net finance receivables: non-essential pre-screening non-essential Prior to January 1, 2020, net finance receivables included the customer’s unpaid principal balance (“ UPB pre-computed pre-compute Effective January 1, 2020, with the adoption of CECL accounting, the Company reclassified unearned insurance premiums out of net finance receivables to align its consolidated balance sheet presentation with the amortized cost definition in the new accounting standard. See Note 3, “Finance Receivables, Credit Quality Information, and Allowance for Credit Losses” for further information about the Company’s reclassification of unearned insurance premiums. Allowance for credit losses: FASB The allowance for credit losses is based on historical credit experience, current conditions, and reasonable and supportable economic forecasts. The historical loss experience is adjusted for quantitative and qualitative factors that are not fully reflected in the historical data. In determining its estimate of expected credit losses, the Company evaluates information related to credit metrics, changes in its lending strategies and underwriting practices, and the current and forecasted direction of the economic and business environment. These metrics include, but are not limited to, loan portfolio mix and growth, unemployment, credit loss trends, delinquency trends, changes in underwriting, and operational risks. The Company selected a static pool Probability of Default (“ PD LGD To enhance the precision of the allowance for credit loss estimate, the Company evaluates its finance receivable portfolio on a pool basis and segments each pool of finance receivables with similar credit risk characteristics. As part of its evaluation, the Company considers portfolio characteristics such as product type, loan size, loan term, internal or external credit scores, delinquency status, geographical location, and vintage. Based on analysis of historical loss experience, the Company selected the following segmentation: product type, Fair Isaac Corporation (“ FICO The Company accounts for certain finance receivables that have been modified by bankruptcy proceedings or company loss mitigation policies using a discounted cash flows approach to properly reserve for customer concessions (rate reductions and term extensions). As finance receivables are originated, provisions for credit losses are recorded in amounts sufficient to maintain an allowance for credit losses at an adequate level to provide for estimated losses over the contractual term of the finance receivables. Subsequent changes to the contractual terms that are a result of re-underwriting Reasonable and supportable macroeconomic forecasts are required for the Company’s allowance for credit loss model. The Company engaged a major rating service to assist with compiling a reasonable and supportable forecast. The Company reviews macroeconomic forecasts to use in its allowance for credit losses. The Company adjusts the historical loss experience by relevant qualitative factors The Company charges credit losses against the allowance when the account reaches 180 days contractually delinquent, subject to certain exceptions. The Company’s non-titled Nonaccrual status: charge-off Recent accounting pronouncements: As a result of the adoption of the new credit loss standard on January 1, 2020, through a modified-retrospective approach, the Company recorded an increase to the allowance for credit losses of $60.1 million and a one-time, capital to its stockholders. The following table illustrates the impact of the CECL accounting adoption by product: December 31, 2019 January 1, 2020 In thousands Pre-CECL Impact of Adoption Post-CECL 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 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 aligned the capitalization requirements for hosting arrangements that are service contracts with the capitalization principles for internal-use

Finance Receivables, Credit Qua

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses	6 Months Ended
	Jun. 30, 2020
Receivables [Abstract]
Finance Receivables, Credit Quality Information, and Allowance for Credit Losses	Note 3. Finance Receivables, Credit Quality Information, and Allowance for Credit Losses Net finance receivables for the periods indicated consisted of the following: In thousands June 30, 2020 December 31, 2019 Small loans $ 380,083 $ 467,614 Large loans 618,134 632,067 Automobile loans 6,059 9,640 Retail loans 18,359 24,083 Net finance receivables $ 1,022,635 $ 1,133,404 Net finance receivables included net deferred origination fees of $10.1 million and $13.4 million as of June 30, 2020 and December 31, 2019, respectively. Effective January 1, 2020, with the adoption of CECL accounting, the Company reclassified unearned insurance premiums out of the net 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 Net 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, less unearned insurance premiums and allowance for credit losses $ 855,850 $ 916,234 $ 981,286 $ 1,042,613 Average net finance receivables $ 944,763 $ 954,940 $ 1,033,939 $ 1,098,410 As a % of net 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 net 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 Net finance receivables $ 18,594 $ 21,546 $ 24,900 $ 28,591 Average net finance receivables $ 19,815 $ 20,567 $ 23,424 $ 27,145 As a % of net 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 net 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 )% The credit quality of the Company’s finance receivable portfolio is the result of the Company’s ability to enforce sound underwriting standards, maintain diligent servicing of the portfolio, and respond to changing economic conditions as it grows its portfolio. The allowance for credit losses uses FICO scores and delinquency as key data points in estimating the allowance. The Company uses six FICO band categories to assess the FICO scores. The first FICO band category includes the lowest FICO scores, while the sixth FICO band category includes the highest FICO scores. Net finance receivables by product, FICO band, and origination year as of June 30, 2020 are as follows: Net Finance Receivables by Origination Year In thousands 2020 (1) 2019 2018 2017 2016 Prior Total Net Small loans: FICO Band 1 $ 43,464 $ 46,503 $ 5,324 $ 608 $ 74 $ 25 $ 95,998 2 20,354 22,375 1,872 132 14 5 44,752 3 20,830 23,532 2,090 119 6 4 46,581 4 21,102 25,168 2,034 86 4 1 48,395 5 21,268 27,915 2,346 70 8 — 51,607 6 35,196 53,217 4,232 100 4 1 92,750 Total small loans $ 162,214 $ 198,710 $ 17,898 $ 1,115 $ 110 $ 36 $ 380,083 Large loans: FICO Band 1 $ 26,495 $ 41,699 $ 11,800 $ 4,783 $ 991 $ 519 $ 86,287 2 15,160 25,011 4,304 1,040 162 134 45,811 3 30,241 58,872 11,528 2,455 116 90 103,302 4 34,292 69,087 12,233 2,754 135 35 118,536 5 29,451 60,841 12,384 2,777 88 17 105,558 6 43,521 91,199 19,944 3,818 134 24 158,640 Total large loans $ 179,160 $ 346,709 $ 72,193 $ 17,627 $ 1,626 $ 819 $ 618,134 Automobile loans: FICO Band 1 $ — $ — $ — $ 1,331 $ 1,027 $ 406 $ 2,764 2 — — — 549 426 129 1,104 3 — — — 657 367 73 1,097 4 — — — 297 170 67 534 5 — — — 105 151 21 277 6 — — — 160 120 3 283 Total automobile loans $ — $ — $ — $ 3,099 $ 2,261 $ 699 $ 6,059 Retail loans: FICO Band 1 $ 638 $ 1,530 $ 521 $ 84 $ 4 $ 2 $ 2,779 2 421 1,181 478 84 1 1 2,166 3 564 1,222 559 89 6 2 2,442 4 954 2,105 1,023 171 2 2 4,257 5 708 1,632 815 166 1 1 3,323 6 667 1,688 871 160 4 2 3,392 Total retail loans $ 3,952 $ 9,358 $ 4,267 $ 754 $ 18 $ 10 $ 18,359 Total loans: FICO Band 1 $ 70,597 $ 89,732 $ 17,645 $ 6,806 $ 2,096 $ 952 $ 187,828 2 35,935 48,567 6,654 1,805 603 269 93,833 3 51,635 83,626 14,177 3,320 495 169 153,422 4 56,348 96,360 15,290 3,308 311 105 171,722 5 51,427 90,388 15,545 3,118 248 39 160,765 6 79,384 146,104 25,047 4,238 262 30 255,065 Total loans $ 345,326 $ 554,777 $ 94,358 $ 22,595 $ 4,015 $ 1,564 $ 1,022,635 (1) Includes loans originated during the six months ended June 30, 2020. The contractual delinquency of the net finance receivables portfolio by product and aging for the periods indicated are as follows: June 30, 2020 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 325,871 85.8 % $ 551,285 89.2 % $ 4,744 78.3 % $ 15,028 81.9 % $ 896,928 87.8 % 1 to 29 days past due 29,747 7.8 % 43,189 7.0 % 1,024 16.9 % 2,212 12.0 % 76,172 7.4 % Delinquent accounts 30 to 59 days 6,736 1.7 % 8,106 1.2 % 80 1.4 % 355 2.0 % 15,277 1.4 % 60 to 89 days 4,790 1.3 % 4,675 0.8 % 33 0.5 % 266 1.4 % 9,764 1.0 % 90 to 119 days 3,665 1.0 % 3,125 0.5 % 63 1.0 % 161 0.8 % 7,014 0.7 % 120 to 149 days 4,314 1.1 % 3,508 0.6 % 79 1.3 % 180 1.0 % 8,081 0.8 % 150 to 179 days 4,960 1.3 % 4,246 0.7 % 36 0.6 % 157 0.9 % 9,399 0.9 % Total delinquency $ 24,465 6.4 % $ 23,660 3.8 % $ 291 4.8 % $ 1,119 6.1 % $ 49,535 4.8 % Total net finance receivables $ 380,083 100.0 % $ 618,134 100.0 % $ 6,059 100.0 % $ 18,359 100.0 % $ 1,022,635 100.0 % Net finance receivables in nonaccrual status $ 14,155 3.7 % $ 12,115 2.0 % $ 222 3.7 % $ 593 3.2 % $ 27,085 2.6 % December 31, 2019 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 377,776 80.7 % $ 546,414 86.4 % $ 6,921 71.8 % $ 18,093 75.1 % $ 949,204 83.8 % 1 to 29 days past due 47,463 10.2 % 51,732 8.2 % 1,964 20.4 % 3,531 14.7 % 104,690 9.2 % Delinquent accounts 30 to 59 days 12,702 2.8 % 11,480 1.8 % 241 2.5 % 853 3.6 % 25,276 2.2 % 60 to 89 days 9,916 2.1 % 8,192 1.3 % 110 1.1 % 563 2.3 % 18,781 1.7 % 90 to 119 days 7,518 1.6 % 5,894 1.0 % 129 1.4 % 375 1.5 % 13,916 1.2 % 120 to 149 days 6,584 1.4 % 4,588 0.7 % 127 1.3 % 357 1.5 % 11,656 1.0 % 150 to 179 days 5,655 1.2 % 3,767 0.6 % 148 1.5 % 311 1.3 % 9,881 0.9 % Total delinquency $ 42,375 9.1 % $ 33,921 5.4 % $ 755 7.8 % $ 2,459 10.2 % $ 79,510 7.0 % Total net finance receivables $ 467,614 100.0 % $ 632,067 100.0 % $ 9,640 100.0 % $ 24,083 100.0 % $ 1,133,404 100.0 % Net finance receivables in nonaccrual status $ 22,773 4.9 % $ 17,924 2.8 % $ 591 6.1 % $ 1,186 4.9 % $ 42,474 3.7 % The following table illustrates the impacts to the allowance for credit losses for the periods indicated: December 31, 2019 January 1, 2020 Six Months Ended June 30, In thousands Pre-CECL Impact of Adoption Post-CECL Reserve Build Ending Small loans $ 30,588 $ 24,185 $ 54,773 $ 3,432 $ 58,205 Large loans 29,148 33,550 62,698 16,607 79,305 Automobile loans 820 599 1,419 (259 ) 1,160 Retail loans 1,644 1,766 3,410 (80 ) 3,330 Allowance for credit losses $ 62,200 $ 60,100 $ 122,300 $ 19,700 $ 142,000 Allowance for credit losses as a percentage of net finance receivables 5.5 % 5.3 % 10.8 % 13.9 % The allowance for credit losses was $62.2 million, or 5.5% of net finance receivables, as of December 31, 2019. The Company adopted CECL accounting on January 1, 2020, and increased the allowance for credit losses to $122.3 million, or 10.8% of net finance receivables. In March 2020, the spread of COVID-19 During the six months ended June 30, 2020, the Company increased the allowance for credit losses by $19.7 million, which included a $33.4 million reserve related to the economic impact of COVID-19, the COVID-19, was % as of June 30, 2020. The Company ran several macroeconomic stress scenarios, and its final forecast included: unemployment peaking at % in its footprint in and declining to % by the end of 2021. The severity of the Company’s macro assumptions remained relatively consistent with the first quarter model, and in the second quarter, the Company extended the assumed duration of elevated unemployment levels. The macro scenario was adjusted for the potential benefits of the government stimulus measures and internal borrower assistance programs. The following is a reconciliation of the allowance for credit losses by product for the periods indicated: In thousands Small Large Automobile Retail Total Beginning balance at April 1, 2020 $ 62,454 $ 75,013 $ 1,247 $ 3,686 $ 142,400 Provision for credit losses 11,514 15,513 15 457 27,499 Credit losses (16,420 ) (11,694 ) (115 ) (845 ) (29,074 ) Recoveries 657 473 13 32 1,175 Ending balance at June 30, 2020 58,205 79,305 1,160 3,330 142,000 Net finance receivables at June 30, 2020 380,083 618,134 6,059 18,359 1,022,635 Allowance as percentage of net finance receivables at June 30, 2020 15.3 % 12.8 % 19.1 % 18.1 % 13.9 % In thousands Small Large Automobile Retail Total Beginning balance at April 1, 2019 $ 29,793 $ 23,217 $ 1,470 $ 1,920 $ 56,400 Provision for credit losses 13,736 10,989 131 858 25,714 Credit losses (14,993 ) (9,550 ) (566 ) (892 ) (26,001 ) Recoveries 598 398 58 33 1,087 Ending balance at June 30, 2019 29,134 25,054 1,093 1,919 57,200 Net finance receivables at June 30, 2019 435,467 516,019 15,717 27,777 994,980 Allowance as percentage of net finance receivables at June 30, 2019 6.7 % 4.9 % 7.0 % 6.9 % 5.7 % In thousands Small Large Automobile Retail Total Beginning balance at January 1, 2020 $ 30,588 $ 29,148 $ 820 $ 1,644 $ 62,200 Impact of CECL adoption 24,185 33,550 599 1,766 60,100 Provision for credit losses 36,066 39,268 112 1,575 77,021 Credit losses (33,948 ) (23,655 ) (426 ) (1,725 ) (59,754 ) Recoveries 1,314 994 55 70 2,433 Ending balance at June 30, 2020 58,205 79,305 1,160 3,330 142,000 Net finance receivables at June 30, 2020 380,083 618,134 6,059 18,359 1,022,635 Allowance as percentage of net finance receivables at June 30, 2020 15.3 % 12.8 % 19.1 % 18.1 % 13.9 % In thousands Small Large Automobile Retail Total Beginning balance at January 1, 2019 $ 30,759 $ 23,702 $ 1,893 $ 1,946 $ 58,300 Provision for credit losses 27,691 19,440 240 1,686 49,057 Credit losses (30,481 ) (18,887 ) (1,218 ) (1,792 ) (52,378 ) Recoveries 1,165 799 178 79 2,221 Ending balance at June 30, 2019 29,134 25,054 1,093 1,919 57,200 Net finance receivables at June 30, 2019 435,467 516,019 15,717 27,777 994,980 Allowance as percentage of net finance receivables at June 30, 2019 6.7 % 4.9 % 7.0 % 6.9 % 5.7 %

Interest Rate Caps

Interest Rate Caps	6 Months Ended
	Jun. 30, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Interest Rate Caps	Note 4. Interest Rate Caps The Company has interest rate cap contracts with an aggregate notional principal amount of $300.0 million. Each contract contains a strike rate against the one-month April 2021 March 2023 one-month one-month Three Months Ended June 30, Six Months Ended June 30, In thousands 2020 2019 2020 2019 Balance at beginning of period $ 85 $ 49 $ — $ 249 Purchases — — 114 — Fair value adjustment included as an increase in interest expense (33 ) (43 ) (62 ) (243 ) Balance at end of period, included in other assets $ 52 $ 6 $ 52 $ 6

Long-Term Debt

Long-Term Debt	6 Months Ended
	Jun. 30, 2020
Debt Disclosure [Abstract]
Long-Term Debt	Note 5. Long-Term Debt The following is a summary of the Company’s long-term debt as of the periods indicated: June 30, 2020 December 31, 2019 In thousands Long-Term Unamortized Net Long-Term Long-Term Unamortized Net Long-Term Senior revolving credit facility $ 246,254 $ (2,156 ) $ 244,098 $ 350,818 $ (2,504 ) $ 348,314 Revolving warehouse credit facility 26,844 (1,588 ) 25,256 46,633 (1,875 ) 44,758 RMIT 2018-1 150,246 (912 ) 149,334 150,246 (1,558 ) 148,688 RMIT 2018-2 130,349 (1,273 ) 129,076 130,349 (1,687 ) 128,662 RMIT 2019-1 130,172 (1,655 ) 128,517 130,172 (1,983 ) 128,189 Total $ 683,865 $ (7,584 ) $ 676,281 $ 808,218 $ (9,607 ) $ 798,611 Unused amount of revolving credit facilities (subject to borrowing base) $ 493,054 $ 369,271 Senior Revolving Credit Facility: June 2020 September 2022 June 30, 2020 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 $38.9 million and $39.4 million as of June 30, 2020 and December 31, 2019, respectively. Cash inflows from the finance receivables are distributed to the lenders/investors, the service providers, and/or the residual interest that the Company owns in accordance with a monthly contractual priority of payments. The SPEs pay a servicing fee to the Company, which is eliminated in consolidation. Distributions from the SPEs to the Company are permitted under the debt arrangements. At each sale of receivables from the Company’s affiliates to the SPEs, the Company makes certain representations and warranties about the quality and nature of the collateralized receivables. The debt arrangements require the Company to repurchase the receivables in certain circumstances, including circumstances in which the representations and warranties made by the Company concerning the quality and characteristics of the receivables are inaccurate. Assets transferred to each SPE are legally isolated from the Company and its affiliates, as well as the claims of the Company’s and its affiliates’ creditors. Further, the assets of each SPE are owned by such SPE and are not available to satisfy the debts or other obligations of the Company or any of its affiliates. Revolving Warehouse Credit Facility: RMR II RMIT 2018-1 RMR III 2018-1 RMIT 2018-1 2018-1. 2018-1. ad through and have 2018-1 2018-1 RMIT 2018-2 its wholly-owned SP E , 2018-2 RMIT 2018-2 2018-2. 2018-2. 2018-2 2018-2 RMIT 2019-1 , its wholly-owned SP E , 2019-1 RMIT 2019-1 2019-1. 2019-1. 2019-1 2019-1 The carrying amounts of consolidated VIE assets and liabilities are as follows: In thousands June 30, 2020 December 31, 2019 Assets Cash $ 177 $ 152 Net finance receivables 451,048 474,340 Allowance for credit losses (57,879 ) (22,015 ) Restricted cash 43,729 44,221 Other assets 7 68 Total assets $ 437,082 $ 496,766 Liabilities Net long-term debt $ 432,183 $ 450,297 Accounts payable and accrued expenses 72 86 Total liabilities $ 432,255 $ 450,383 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 June 30, 2020, the Company was in compliance with all debt covenants.

Disclosure About Fair Value of

Disclosure About Fair Value of Financial Instruments	6 Months Ended
	Jun. 30, 2020
Fair Value Disclosures [Abstract]
Disclosure About Fair Value of Financial Instruments	Note 6. Disclosure About Fair Value of Financial Instruments The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value: Cash and restricted cash: Net finance receivables: Due to the adoption of CECL in January 2020 and the addition of lifetime losses to the allowance for credit losses, the carrying amount of its finance receivable portfolio no longer approximates fair value. The Company determines the fair value of net finance receivables using a discounted cash flows methodology. The application of these methodologies requires the Company to make certain estimates and judgments. These estimates and judgments include, but are not limited to, prepayment rates, default rates, loss severity, and risk-adjusted discount rates. Interest rate caps: Long-term debt: Effective March 2020, the Company estimates the fair value of long-term debt using estimated credit marks based on an index of similar financial instruments (credit facilities) and projected cash flows from the underlying collateralized finance receivables (securitizations), each discounted using a risk-adjusted discount rate. The carrying amount and estimated fair values of the Company’s financial instruments summarized by level are as follows: June 30, 2020 December 31, 2019 In thousands Carrying Estimated Carrying Estimated Assets Level 1 inputs Cash $ 8,973 $ 8,973 $ 2,263 $ 2,263 Restricted cash 54,423 54,423 54,164 54,164 Level 2 inputs Interest rate caps 52 52 — — Level 3 inputs Net finance receivables, less unearned insurance premiums and allowance for credit losses 853,619 916,636 1,042,613 1,042,613 Liabilities Level 3 inputs Long-term debt 683,865 669,911 808,218 808,218 Certain of the Company’s assets carried at fair value are classified and disclosed in one of the following three categories: Level 1 – Level 2 – Level 3 – In determining the appropriate levels, the Company performs an analysis of the assets and liabilities that are carried at fair value. At each reporting period, all assets and liabilities for which the fair value measurement is based on significant unobservable inputs are classified as Level 3.

Income Taxes

Income Taxes	6 Months Ended
	Jun. 30, 2020
Income Tax Disclosure [Abstract]
Income Taxes	Note 7. Income Taxes The Company records interim provisions for income taxes based on an estimated annual effective tax rate. Due to uncertainty surrounding the impacts of COVID-19, Income tax expense differed from the amount computed by applying the federal income tax rate to total income before income taxes as a result of the following: Three Months Ended June 30, 2020 2019 In thousands $ % $ % Federal tax expense at statutory rate $ 2,455 21.0 % $ 2,320 21.0 % Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 1,056 9.0 % 347 3.1 % Section 162(m) limitation 739 6.3 % 33 0.3 % Excess tax (benefits) deficiencies from share-based awards 72 0.6 % (3 ) (0.0 )% Other (103 ) (0.8 )% (20 ) (0.2 )% $ 4,219 36.1 % $ 2,677 24.2 % Six Months Ended June 30, 2020 2019 In thousands $ % $ % Federal tax expense at statutory rate $ 386 21.0 % $ 4,525 21.0 % Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 122 6.6 % 655 3.0 % Section 162(m) limitation 74 4.0 % 73 0.3 % Excess tax (benefits) deficiencies from share-based awards 118 6.4 % (43 ) (0.2 ) % Other (6 ) (0.3 ) % (140 ) (0.6 ) % $ 694 37.7 % $ 5,070 23.5 % The increase in effective tax rates for the three and six months ended June 30, 2020 compared to the prior year periods was primarily related to the impact of margin tax within the state of Texas that is based on gross income, rather than net income, and non-deductible executive compensation (including executive transition costs) under Internal Revenue Code Section 162(m) that are not correlated to income before taxes. The Company receives a tax benefit or deficiency upon the exercise or vesting of share-based awards based on the difference in fair value of the shares at exercise or vesting compared to the grant date fair value that was recognized as share-based compensation expense. Excess tax benefits or deficiencies are recognized in provision for income taxes and impact the Company’s effective income tax rate. The Company recognized excess tax deficiencies for the three and six months ended June 30, 2020 due to the decrease in the fair value of the shares exercised or vested during those periods.

Earnings Per Share

Earnings Per Share	6 Months Ended
	Jun. 30, 2020
Earnings Per Share [Abstract]
Earnings Per Share	Note 8. Earnings Per Share The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated: Three Months Ended Six Months Ended In thousands, except per share amounts 2020 2019 2020 2019 Numerator: Net income $ 7,470 $ 8,369 $ 1,145 $ 16,477 Denominator: Weighted-average shares outstanding for basic earnings per share 10,962 11,706 10,929 11,709 Effect of dilutive securities 51 316 201 340 Weighted-average shares adjusted for dilutive securities 11,013 12,022 11,130 12,049 Earnings per share: Basic $ 0.68 $ 0.71 $ 0.10 $ 1.41 Diluted $ 0.68 $ 0.70 $ 0.10 $ 1.37 Options to purchase 1.0 million and 0.3 million shares of common stock were outstanding during the three and six months ended June 30, 2020 and 2019, respectively, but were not included in the computation of diluted earnings per share because they were anti-dilutive.

Share-Based Compensation

Share-Based Compensation	6 Months Ended
	Jun. 30, 2020
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Share-Based Compensation	Note 9. Share-Based Compensation The Company previously adopted the 2007 Management Incentive Plan (the “ 2007 Plan 2011 Plan 2015 Plan re-approved For the three months ended June 30, 2020 and 2019, the Company recorded share-based compensation expense of $1.1 million and $1.2 million, respectively. The Company recorded $2.5 million and $2.2 million in share-based compensation for the six months ended June 30, 2020 and 2019, respectively. As of June 30, 2020, unrecognized share-based compensation expense to be recognized over future periods approximated $7.0 million. This amount will be recognized as expense over a weighted-average period of 2.0 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 (for the 2018 LTIP and the 2019 LTIP) or the percentile ranking of the Company’s compound annual growth rate of pre-provision net income and pre-provision net income per share (for the 2020 LTIP), in each case 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 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 performance period and vests ratably over a subsequent two-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 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 . 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-Scholes option-pricing model with the following weighted-average assumptions for option grants during the periods indicated below: Six Months Ended June 30, 2020 2019 Expected volatility 44.88 % 41.14 % Expected dividends 0.00 % 0.00 % Expected term (in years) 6.0 6.0 Risk-free rate 0.71 % 2.55 % 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 six months ended June 30, 2020: In thousands, except per share amounts Number of Weighted-Average Exercise Price Weighted-Average Aggregate Options outstanding at January 1, 2020 1,067 $ 19.61 Granted 124 17.71 Exercised (22 ) 17.72 Forfeited (33 ) 27.98 Expired — — Options outstanding at June 30, 2020 1,136 $ 19.20 5.7 $ 1,112 Options exercisable at June 30, 2020 963 $ 18.98 5.1 $ 992 The following table provides additional stock option information for the periods indicated: Three Months Ended June 30, Six Months Ended June 30, In thousands, except per share amounts 2020 2019 2020 2019 Weighted-average grant date fair value per share $ — $ — $ 7.58 $ 12.07 Intrinsic value of options exercised $ — $ — $ 219 $ — Fair value of stock options that vested $ — $ — $ 353 $ — Performance-contingent restricted stock units: The following table summarizes RSU activity during the six months ended June 30, 2020: In thousands, except per unit amounts Units Weighted-Average Fair Value Per Unit Non-vested 156 $ 24.57 Granted (target) 67 15.86 Achieved performance adjustment (1) (2 ) 19.99 Vested (66 ) 19.99 Forfeited (27 ) 28.03 Non-vested 128 $ 21.76 (1) The 2017 LTIP RSUs were earned and vested at 96.6% of target, as described in greater detail in the Company’s definitive proxy statement filed with the SEC on April 22, 2020. The following table provides additional RSU information for the periods indicated: Three Months Ended Six Months Ended In thousands, except per unit amounts 2020 2019 2020 2019 Weighted-average grant date fair value per unit $ 15.86 $ — $ 15.86 $ 27.89 Fair value of RSUs that vested $ — $ — $ 1,314 $ 916 Restricted stock awards: The following table summarizes RSA activity during the six months ended June 30, 2020: In thousands, except per share amounts Shares Weighted-Average Fair Value Per Share Non-vested 126 $ 26.93 Granted 199 19.39 Vested (44 ) 25.21 Forfeited (11 ) 27.89 Non-vested 270 $ 21.60 The following table provides additional RSA information for the periods indicated: Three Months Ended Six M In thousands, except per share amounts 2020 2019 2020 2019 Weighted-average grant date fair value per share $ 15.58 $ 24.66 $ 19.39 $ 27.20 Fair value of RSAs that vested $ 819 $ 810 $ 1,121 $ 918

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
	Jun. 30, 2020
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 10. 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.

Basis of Presentation and Sig_2

Basis of Presentation and Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2020
Accounting Policies [Abstract]
Basis of presentation	Basis of presentation: 10-Q SEC GAAP 10-Q 10-K
Significant accounting policies	Significant accounting policies:
Principles of consolidation	Principles of consolidation: VIE
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 fair value of financial instruments.
Reclassifications	Reclassifications:
Net finance receivables	Net finance receivables: non-essential pre-screening non-essential Prior to January 1, 2020, net finance receivables included the customer’s unpaid principal balance (“ UPB pre-computed pre-compute Effective January 1, 2020, with the adoption of CECL accounting, the Company reclassified unearned insurance premiums out of net finance receivables to align its consolidated balance sheet presentation with the amortized cost definition in the new accounting standard. See Note 3, “Finance Receivables, Credit Quality Information, and Allowance for Credit Losses” for further information about the Company’s reclassification of unearned insurance premiums.
Allowance for credit losses	Allowance for credit losses: FASB The allowance for credit losses is based on historical credit experience, current conditions, and reasonable and supportable economic forecasts. The historical loss experience is adjusted for quantitative and qualitative factors that are not fully reflected in the historical data. In determining its estimate of expected credit losses, the Company evaluates information related to credit metrics, changes in its lending strategies and underwriting practices, and the current and forecasted direction of the economic and business environment. These metrics include, but are not limited to, loan portfolio mix and growth, unemployment, credit loss trends, delinquency trends, changes in underwriting, and operational risks. The Company selected a static pool Probability of Default (“ PD LGD To enhance the precision of the allowance for credit loss estimate, the Company evaluates its finance receivable portfolio on a pool basis and segments each pool of finance receivables with similar credit risk characteristics. As part of its evaluation, the Company considers portfolio characteristics such as product type, loan size, loan term, internal or external credit scores, delinquency status, geographical location, and vintage. Based on analysis of historical loss experience, the Company selected the following segmentation: product type, Fair Isaac Corporation (“ FICO The Company accounts for certain finance receivables that have been modified by bankruptcy proceedings or company loss mitigation policies using a discounted cash flows approach to properly reserve for customer concessions (rate reductions and term extensions). As finance receivables are originated, provisions for credit losses are recorded in amounts sufficient to maintain an allowance for credit losses at an adequate level to provide for estimated losses over the contractual term of the finance receivables. Subsequent changes to the contractual terms that are a result of re-underwriting Reasonable and supportable macroeconomic forecasts are required for the Company’s allowance for credit loss model. The Company engaged a major rating service to assist with compiling a reasonable and supportable forecast. The Company reviews macroeconomic forecasts to use in its allowance for credit losses. The Company adjusts the historical loss experience by relevant qualitative factors The Company charges credit losses against the allowance when the account reaches 180 days contractually delinquent, subject to certain exceptions. The Company’s non-titled
Nonaccrual status	Nonaccrual status: charge-off
Recent accounting pronouncements	Recent accounting pronouncements: As a result of the adoption of the new credit loss standard on January 1, 2020, through a modified-retrospective approach, the Company recorded an increase to the allowance for credit losses of $60.1 million and a one-time, capital to its stockholders. The following table illustrates the impact of the CECL accounting adoption by product: December 31, 2019 January 1, 2020 In thousands Pre-CECL Impact of Adoption Post-CECL 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 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 aligned the capitalization requirements for hosting arrangements that are service contracts with the capitalization principles for internal-use

Basis of Presentation and Sig_3

Basis of Presentation and Significant Accounting Policies (Tables)	6 Months Ended
	Jun. 30, 2020
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-CECL Impact of Adoption Post-CECL 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

Finance Receivables, Credit Q_2

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses (Tables)	6 Months Ended
	Jun. 30, 2020
Receivables [Abstract]
Summary of Net Finance Receivables	Net finance receivables for the periods indicated consisted of the following: In thousands June 30, 2020 December 31, 2019 Small loans $ 380,083 $ 467,614 Large loans 618,134 632,067 Automobile loans 6,059 9,640 Retail loans 18,359 24,083 Net finance receivables $ 1,022,635 $ 1,133,404
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 Net 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, less unearned insurance premiums and allowance for credit losses $ 855,850 $ 916,234 $ 981,286 $ 1,042,613 Average net finance receivables $ 944,763 $ 954,940 $ 1,033,939 $ 1,098,410 As a % of net 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 net 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 Net finance receivables $ 18,594 $ 21,546 $ 24,900 $ 28,591 Average net finance receivables $ 19,815 $ 20,567 $ 23,424 $ 27,145 As a % of net 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 net 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 )%
Summary of Financing Receivable Credit Quality Indicators	Net finance receivables by product, FICO band, and origination year as of June 30, 2020 are as follows: Net Finance Receivables by Origination Year In thousands 2020 (1) 2019 2018 2017 2016 Prior Total Net Small loans: FICO Band 1 $ 43,464 $ 46,503 $ 5,324 $ 608 $ 74 $ 25 $ 95,998 2 20,354 22,375 1,872 132 14 5 44,752 3 20,830 23,532 2,090 119 6 4 46,581 4 21,102 25,168 2,034 86 4 1 48,395 5 21,268 27,915 2,346 70 8 — 51,607 6 35,196 53,217 4,232 100 4 1 92,750 Total small loans $ 162,214 $ 198,710 $ 17,898 $ 1,115 $ 110 $ 36 $ 380,083 Large loans: FICO Band 1 $ 26,495 $ 41,699 $ 11,800 $ 4,783 $ 991 $ 519 $ 86,287 2 15,160 25,011 4,304 1,040 162 134 45,811 3 30,241 58,872 11,528 2,455 116 90 103,302 4 34,292 69,087 12,233 2,754 135 35 118,536 5 29,451 60,841 12,384 2,777 88 17 105,558 6 43,521 91,199 19,944 3,818 134 24 158,640 Total large loans $ 179,160 $ 346,709 $ 72,193 $ 17,627 $ 1,626 $ 819 $ 618,134 Automobile loans: FICO Band 1 $ — $ — $ — $ 1,331 $ 1,027 $ 406 $ 2,764 2 — — — 549 426 129 1,104 3 — — — 657 367 73 1,097 4 — — — 297 170 67 534 5 — — — 105 151 21 277 6 — — — 160 120 3 283 Total automobile loans $ — $ — $ — $ 3,099 $ 2,261 $ 699 $ 6,059 Retail loans: FICO Band 1 $ 638 $ 1,530 $ 521 $ 84 $ 4 $ 2 $ 2,779 2 421 1,181 478 84 1 1 2,166 3 564 1,222 559 89 6 2 2,442 4 954 2,105 1,023 171 2 2 4,257 5 708 1,632 815 166 1 1 3,323 6 667 1,688 871 160 4 2 3,392 Total retail loans $ 3,952 $ 9,358 $ 4,267 $ 754 $ 18 $ 10 $ 18,359 Total loans: FICO Band 1 $ 70,597 $ 89,732 $ 17,645 $ 6,806 $ 2,096 $ 952 $ 187,828 2 35,935 48,567 6,654 1,805 603 269 93,833 3 51,635 83,626 14,177 3,320 495 169 153,422 4 56,348 96,360 15,290 3,308 311 105 171,722 5 51,427 90,388 15,545 3,118 248 39 160,765 6 79,384 146,104 25,047 4,238 262 30 255,065 Total loans $ 345,326 $ 554,777 $ 94,358 $ 22,595 $ 4,015 $ 1,564 $ 1,022,635 (1) Includes loans originated during the six months ended June 30, 2020.
Amortized Cost Basis in Past-Due Loans	The contractual delinquency of the net finance receivables portfolio by product and aging for the periods indicated are as follows: June 30, 2020 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 325,871 85.8 % $ 551,285 89.2 % $ 4,744 78.3 % $ 15,028 81.9 % $ 896,928 87.8 % 1 to 29 days past due 29,747 7.8 % 43,189 7.0 % 1,024 16.9 % 2,212 12.0 % 76,172 7.4 % Delinquent accounts 30 to 59 days 6,736 1.7 % 8,106 1.2 % 80 1.4 % 355 2.0 % 15,277 1.4 % 60 to 89 days 4,790 1.3 % 4,675 0.8 % 33 0.5 % 266 1.4 % 9,764 1.0 % 90 to 119 days 3,665 1.0 % 3,125 0.5 % 63 1.0 % 161 0.8 % 7,014 0.7 % 120 to 149 days 4,314 1.1 % 3,508 0.6 % 79 1.3 % 180 1.0 % 8,081 0.8 % 150 to 179 days 4,960 1.3 % 4,246 0.7 % 36 0.6 % 157 0.9 % 9,399 0.9 % Total delinquency $ 24,465 6.4 % $ 23,660 3.8 % $ 291 4.8 % $ 1,119 6.1 % $ 49,535 4.8 % Total net finance receivables $ 380,083 100.0 % $ 618,134 100.0 % $ 6,059 100.0 % $ 18,359 100.0 % $ 1,022,635 100.0 % Net finance receivables in nonaccrual status $ 14,155 3.7 % $ 12,115 2.0 % $ 222 3.7 % $ 593 3.2 % $ 27,085 2.6 % December 31, 2019 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 377,776 80.7 % $ 546,414 86.4 % $ 6,921 71.8 % $ 18,093 75.1 % $ 949,204 83.8 % 1 to 29 days past due 47,463 10.2 % 51,732 8.2 % 1,964 20.4 % 3,531 14.7 % 104,690 9.2 % Delinquent accounts 30 to 59 days 12,702 2.8 % 11,480 1.8 % 241 2.5 % 853 3.6 % 25,276 2.2 % 60 to 89 days 9,916 2.1 % 8,192 1.3 % 110 1.1 % 563 2.3 % 18,781 1.7 % 90 to 119 days 7,518 1.6 % 5,894 1.0 % 129 1.4 % 375 1.5 % 13,916 1.2 % 120 to 149 days 6,584 1.4 % 4,588 0.7 % 127 1.3 % 357 1.5 % 11,656 1.0 % 150 to 179 days 5,655 1.2 % 3,767 0.6 % 148 1.5 % 311 1.3 % 9,881 0.9 % Total delinquency $ 42,375 9.1 % $ 33,921 5.4 % $ 755 7.8 % $ 2,459 10.2 % $ 79,510 7.0 % Total net finance receivables $ 467,614 100.0 % $ 632,067 100.0 % $ 9,640 100.0 % $ 24,083 100.0 % $ 1,133,404 100.0 % Net finance receivables in nonaccrual status $ 22,773 4.9 % $ 17,924 2.8 % $ 591 6.1 % $ 1,186 4.9 % $ 42,474 3.7 %
Summary Of Impact Of Allowance For Credit Losses During The period	The following table illustrates the impacts to the allowance for credit losses for the periods indicated: December 31, 2019 January 1, 2020 Six Months Ended June 30, In thousands Pre-CECL Impact of Adoption Post-CECL Reserve Build Ending Small loans $ 30,588 $ 24,185 $ 54,773 $ 3,432 $ 58,205 Large loans 29,148 33,550 62,698 16,607 79,305 Automobile loans 820 599 1,419 (259 ) 1,160 Retail loans 1,644 1,766 3,410 (80 ) 3,330 Allowance for credit losses $ 62,200 $ 60,100 $ 122,300 $ 19,700 $ 142,000 Allowance for credit losses as a percentage of net finance receivables 5.5 % 5.3 % 10.8 % 13.9 %
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 Small Large Automobile Retail Total Beginning balance at April 1, 2020 $ 62,454 $ 75,013 $ 1,247 $ 3,686 $ 142,400 Provision for credit losses 11,514 15,513 15 457 27,499 Credit losses (16,420 ) (11,694 ) (115 ) (845 ) (29,074 ) Recoveries 657 473 13 32 1,175 Ending balance at June 30, 2020 58,205 79,305 1,160 3,330 142,000 Net finance receivables at June 30, 2020 380,083 618,134 6,059 18,359 1,022,635 Allowance as percentage of net finance receivables at June 30, 2020 15.3 % 12.8 % 19.1 % 18.1 % 13.9 % In thousands Small Large Automobile Retail Total Beginning balance at April 1, 2019 $ 29,793 $ 23,217 $ 1,470 $ 1,920 $ 56,400 Provision for credit losses 13,736 10,989 131 858 25,714 Credit losses (14,993 ) (9,550 ) (566 ) (892 ) (26,001 ) Recoveries 598 398 58 33 1,087 Ending balance at June 30, 2019 29,134 25,054 1,093 1,919 57,200 Net finance receivables at June 30, 2019 435,467 516,019 15,717 27,777 994,980 Allowance as percentage of net finance receivables at June 30, 2019 6.7 % 4.9 % 7.0 % 6.9 % 5.7 % In thousands Small Large Automobile Retail Total Beginning balance at January 1, 2020 $ 30,588 $ 29,148 $ 820 $ 1,644 $ 62,200 Impact of CECL adoption 24,185 33,550 599 1,766 60,100 Provision for credit losses 36,066 39,268 112 1,575 77,021 Credit losses (33,948 ) (23,655 ) (426 ) (1,725 ) (59,754 ) Recoveries 1,314 994 55 70 2,433 Ending balance at June 30, 2020 58,205 79,305 1,160 3,330 142,000 Net finance receivables at June 30, 2020 380,083 618,134 6,059 18,359 1,022,635 Allowance as percentage of net finance receivables at June 30, 2020 15.3 % 12.8 % 19.1 % 18.1 % 13.9 % In thousands Small Large Automobile Retail Total Beginning balance at January 1, 2019 $ 30,759 $ 23,702 $ 1,893 $ 1,946 $ 58,300 Provision for credit losses 27,691 19,440 240 1,686 49,057 Credit losses (30,481 ) (18,887 ) (1,218 ) (1,792 ) (52,378 ) Recoveries 1,165 799 178 79 2,221 Ending balance at June 30, 2019 29,134 25,054 1,093 1,919 57,200 Net finance receivables at June 30, 2019 435,467 516,019 15,717 27,777 994,980 Allowance as percentage of net finance receivables at June 30, 2019 6.7 % 4.9 % 7.0 % 6.9 % 5.7 %

Interest Rate Caps (Tables)

Interest Rate Caps (Tables)	6 Months Ended
	Jun. 30, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Summary of Changes in Rate Caps	The following is a summary of changes in the rate caps: Three Months Ended June 30, Six Months Ended June 30, In thousands 2020 2019 2020 2019 Balance at beginning of period $ 85 $ 49 $ — $ 249 Purchases — — 114 — Fair value adjustment included as an increase in interest expense (33 ) (43 ) (62 ) (243 ) Balance at end of period, included in other assets $ 52 $ 6 $ 52 $ 6

Long-Term Debt (Tables)

Long-Term Debt (Tables)	6 Months Ended
	Jun. 30, 2020
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: June 30, 2020 December 31, 2019 In thousands Long-Term Unamortized Net Long-Term Long-Term Unamortized Net Long-Term Senior revolving credit facility $ 246,254 $ (2,156 ) $ 244,098 $ 350,818 $ (2,504 ) $ 348,314 Revolving warehouse credit facility 26,844 (1,588 ) 25,256 46,633 (1,875 ) 44,758 RMIT 2018-1 150,246 (912 ) 149,334 150,246 (1,558 ) 148,688 RMIT 2018-2 130,349 (1,273 ) 129,076 130,349 (1,687 ) 128,662 RMIT 2019-1 130,172 (1,655 ) 128,517 130,172 (1,983 ) 128,189 Total $ 683,865 $ (7,584 ) $ 676,281 $ 808,218 $ (9,607 ) $ 798,611 Unused amount of revolving credit facilities (subject to borrowing base) $ 493,054 $ 369,271
Variable Interest Entity, Primary Beneficiary [Member]
Schedule of Carrying Amounts of Consolidated VIE Assets and Liabilities	The carrying amounts of consolidated VIE assets and liabilities are as follows: In thousands June 30, 2020 December 31, 2019 Assets Cash $ 177 $ 152 Net finance receivables 451,048 474,340 Allowance for credit losses (57,879 ) (22,015 ) Restricted cash 43,729 44,221 Other assets 7 68 Total assets $ 437,082 $ 496,766 Liabilities Net long-term debt $ 432,183 $ 450,297 Accounts payable and accrued expenses 72 86 Total liabilities $ 432,255 $ 450,383

Disclosure About Fair Value o_2

Disclosure About Fair Value of Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2020
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: June 30, 2020 December 31, 2019 In thousands Carrying Estimated Carrying Estimated Assets Level 1 inputs Cash $ 8,973 $ 8,973 $ 2,263 $ 2,263 Restricted cash 54,423 54,423 54,164 54,164 Level 2 inputs Interest rate caps 52 52 — — Level 3 inputs Net finance receivables, less unearned insurance premiums and allowance for credit losses 853,619 916,636 1,042,613 1,042,613 Liabilities Level 3 inputs Long-term debt 683,865 669,911 808,218 808,218

Income Taxes (Tables)

Income Taxes (Tables)	6 Months Ended
	Jun. 30, 2020
Income Tax Disclosure [Abstract]
Schedule of Tax Benefits and Deficiencies from Share-Based Awards	Income tax expense differed from the amount computed by applying the federal income tax rate to total income before income taxes as a result of the following: Three Months Ended June 30, 2020 2019 In thousands $ % $ % Federal tax expense at statutory rate $ 2,455 21.0 % $ 2,320 21.0 % Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 1,056 9.0 % 347 3.1 % Section 162(m) limitation 739 6.3 % 33 0.3 % Excess tax (benefits) deficiencies from share-based awards 72 0.6 % (3 ) (0.0 )% Other (103 ) (0.8 )% (20 ) (0.2 )% $ 4,219 36.1 % $ 2,677 24.2 % Six Months Ended June 30, 2020 2019 In thousands $ % $ % Federal tax expense at statutory rate $ 386 21.0 % $ 4,525 21.0 % Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 122 6.6 % 655 3.0 % Section 162(m) limitation 74 4.0 % 73 0.3 % Excess tax (benefits) deficiencies from share-based awards 118 6.4 % (43 ) (0.2 ) % Other (6 ) (0.3 ) % (140 ) (0.6 ) % $ 694 37.7 % $ 5,070 23.5 % The increase in effective tax rates for the three and six months ended June 30, 2020 compared to the prior year periods was primarily related to the impact of margin tax within the state of Texas that is based on gross income, rather than net income, and non-deductible executive compensation (including executive transition costs) under Internal Revenue Code Section 162(m) that are not correlated to income before taxes. The Company receives a tax benefit or deficiency upon the exercise or vesting of share-based awards based on the difference in fair value of the shares at exercise or vesting compared to the grant date fair value that was recognized as share-based compensation expense. Excess tax benefits or deficiencies are recognized in provision for income taxes and impact the Company’s effective income tax rate. The Company recognized excess tax deficiencies for the three and six months ended June 30, 2020 due to the decrease in the fair value of the shares exercised or vested during those periods.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2020
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings Per Share	The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated: Three Months Ended Six Months Ended In thousands, except per share amounts 2020 2019 2020 2019 Numerator: Net income $ 7,470 $ 8,369 $ 1,145 $ 16,477 Denominator: Weighted-average shares outstanding for basic earnings per share 10,962 11,706 10,929 11,709 Effect of dilutive securities 51 316 201 340 Weighted-average shares adjusted for dilutive securities 11,013 12,022 11,130 12,049 Earnings per share: Basic $ 0.68 $ 0.71 $ 0.10 $ 1.41 Diluted $ 0.68 $ 0.70 $ 0.10 $ 1.37

Share-Based Compensation (Table

Share-Based Compensation (Tables)	6 Months Ended
	Jun. 30, 2020
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Option Grant Fair Value Assumptions	The fair value of option grants is estimated on the grant date using the Black-Scholes option-pricing model with the following weighted-average assumptions for option grants during the periods indicated below: Six Months Ended June 30, 2020 2019 Expected volatility 44.88 % 41.14 % Expected dividends 0.00 % 0.00 % Expected term (in years) 6.0 6.0 Risk-free rate 0.71 % 2.55 %
Summary of Company's Stock Option Plan Activity	The following table summarizes the stock option activity for the six months ended June 30, 2020: In thousands, except per share amounts Number of Weighted-Average Exercise Price Weighted-Average Aggregate Options outstanding at January 1, 2020 1,067 $ 19.61 Granted 124 17.71 Exercised (22 ) 17.72 Forfeited (33 ) 27.98 Expired — — Options outstanding at June 30, 2020 1,136 $ 19.20 5.7 $ 1,112 Options exercisable at June 30, 2020 963 $ 18.98 5.1 $ 992
Summary of Additional Stock Option Information	The following table provides additional stock option information for the periods indicated: Three Months Ended June 30, Six Months Ended June 30, In thousands, except per share amounts 2020 2019 2020 2019 Weighted-average grant date fair value per share $ — $ — $ 7.58 $ 12.07 Intrinsic value of options exercised $ — $ — $ 219 $ — Fair value of stock options that vested $ — $ — $ 353 $ —
Summary of RSU Activity	The following table summarizes RSU activity during the six months ended June 30, 2020: In thousands, except per unit amounts Units Weighted-Average Fair Value Per Unit Non-vested 156 $ 24.57 Granted (target) 67 15.86 Achieved performance adjustment (1) (2 ) 19.99 Vested (66 ) 19.99 Forfeited (27 ) 28.03 Non-vested 128 $ 21.76 (1) The 2017 LTIP RSUs were earned and vested at 96.6% of target, as described in greater detail in the Company’s definitive proxy statement filed with the SEC on April 22, 2020.
Summary of Additional RSU Information	The following table provides additional RSU information for the periods indicated: Three Months Ended Six Months Ended In thousands, except per unit amounts 2020 2019 2020 2019 Weighted-average grant date fair value per unit $ 15.86 $ — $ 15.86 $ 27.89 Fair value of RSUs that vested $ — $ — $ 1,314 $ 916
Summary of RSA Activity	The following table summarizes RSA activity during the six months ended June 30, 2020: In thousands, except per share amounts Shares Weighted-Average Fair Value Per Share Non-vested 126 $ 26.93 Granted 199 19.39 Vested (44 ) 25.21 Forfeited (11 ) 27.89 Non-vested 270 $ 21.60
Summary of Additional RSA Information	The following table provides additional RSA information for the periods indicated: Three Months Ended Six M In thousands, except per share amounts 2020 2019 2020 2019 Weighted-average grant date fair value per share $ 15.58 $ 24.66 $ 19.39 $ 27.20 Fair value of RSAs that vested $ 819 $ 810 $ 1,121 $ 918

Nature of Business - Additional

Nature of Business - Additional Information (Detail)	Jun. 30, 2020StateLocation
Accounting Policies [Abstract]
Number of branches | Location	368
Number of states | State	11

Basis of Presentation and Sig_4

Basis of Presentation and Significant Accounting Policies - Additional Information (Detail) - USD ($) $ in Millions	Jan. 01, 2020	Jun. 30, 2020	Jun. 30, 2020	Jun. 30, 2019
Significant Accounting Policies [Line Items]
Contractual delinquent period of loans			180 days
Bankruptcy delinquency threshold			60 days
Increase decrease in allowance for credit losses		$ 0.4
Retrospective decrease to retained earnings	$ 45.9
Cumulative reduction to retained earnings, net of tax	$ 14.2
Percentage of finance receivables, allowance for credit losses		13.90%	13.90%	5.70%
Delinquency interest accrual cessation			90 days
Threshold period to write off financing receivable		90 days	90 days
Pre-CECL [Member]
Significant Accounting Policies [Line Items]
Percentage of finance receivables, allowance for credit losses	5.50%
Post-CECL [Member]
Significant Accounting Policies [Line Items]
Percentage of finance receivables, allowance for credit losses	10.80%
Modified retrospective Approach [Member]
Significant Accounting Policies [Line Items]
Increase decrease in allowance for credit losses	$ 60.1

Basis of Presentation and Sig_5

Basis of Presentation and Significant Accounting Policies - Impact of the CECL Accounting Adoption (Detail) - USD ($) $ in Thousands	Jun. 30, 2020	Mar. 31, 2020	Jan. 01, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	$ 142,000	$ 142,400		$ 62,200		$ 57,200	$ 56,400	$ 58,300
Quarterly Trend - Amortized Cost Basis [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses				62,200	$ 60,900	57,200	56,400
Automobile loans [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses	$ 1,160	$ 1,247		820		$ 1,093	$ 1,470	$ 1,893
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] | Automobile loans [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses				820
Pre-adoption Allowance [Member] | Retail loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses				$ 1,644
Impact of Adoption [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses			$ 60,100
Impact of Adoption [Member] | Small loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses			24,185
Impact of Adoption [Member] | Large loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses			33,550
Impact of Adoption [Member] | Automobile loans [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses			599
Impact of Adoption [Member] | Retail loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses			1,766
CECL Allowance [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses			122,300
CECL Allowance [Member] | Small loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses			54,773
CECL Allowance [Member] | Large loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses			62,698
CECL Allowance [Member] | Automobile loans [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses			1,419
CECL Allowance [Member] | Retail loan [Member]
Loans and leases receivable disclosure [Line Items]
Allowance for credit losses			$ 3,410

Finance Receivables, Credit Q_3

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Finance Receivables (Detail) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019	Jun. 30, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	$ 1,022,635	$ 1,133,404	$ 994,980
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	380,083	467,614	435,467
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	618,134	632,067	516,019
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	6,059	9,640	15,717
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	$ 18,359	$ 24,083	$ 27,777

Finance Receivables, Credit Q_4

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Unearned Insurance Premiums Reclassification (Detail) - USD ($) $ in Thousands	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018
Schedule of Unearned Insurance Premiums Reclassification [Line Items]
Net finance receivables	$ 1,022,635		$ 1,133,404		$ 994,980
Unearned insurance premiums	(27,016)		(28,591)
Allowance for credit losses	(142,000)	$ (142,400)	(62,200)		$ (57,200)	$ (56,400)	$ (58,300)
Net finance receivables, less unearned insurance premiums and allowance for credit losses	$ 853,619		$ 1,042,613
Allowance as Percentage of Net Finance Receivables	13.90%				5.70%
30+ day contractual delinquency	4.80%		7.00%
Quarterly Trend - Amortized Cost Basis [Member]
Schedule of Unearned Insurance Premiums Reclassification [Line Items]
Net finance receivables			$ 1,133,404	$ 1,067,086	$ 994,980	930,844
Unearned insurance premiums			(28,591)	(24,900)	(21,546)	(18,594)
Allowance for credit losses			(62,200)	(60,900)	(57,200)	(56,400)
Net finance receivables, less unearned insurance premiums and allowance for credit losses			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 as Percentage of Net Finance Receivables			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]
Net 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 as Percentage of Net Finance Receivables			(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)
Net finance receivables			1,104,813	1,042,186	973,434	912,250
Unearned insurance premiums			(28,591)	(24,900)	(21,546)	(18,594)
Net finance receivables, less unearned insurance premiums and allowance for credit losses			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 as Percentage of Net Finance Receivables			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%

Finance Receivables, Credit Q_5

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Financing Receivable Credit Quality Indicators (Detail) - USD ($) $ in Thousands		Jun. 30, 2020	Dec. 31, 2019	Jun. 30, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	$ 345,326
2019		554,777
2018		94,358
2017		22,595
2016		4,015
Prior		1,564
Total Amortized Cost Basis		1,022,635	$ 1,133,404	$ 994,980
FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	70,597
2019		89,732
2018		17,645
2017		6,806
2016		2,096
Prior		952
Total Amortized Cost Basis		187,828
FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	35,935
2019		48,567
2018		6,654
2017		1,805
2016		603
Prior		269
Total Amortized Cost Basis		93,833
FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	51,635
2019		83,626
2018		14,177
2017		3,320
2016		495
Prior		169
Total Amortized Cost Basis		153,422
FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	56,348
2019		96,360
2018		15,290
2017		3,308
2016		311
Prior		105
Total Amortized Cost Basis		171,722
FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	51,427
2019		90,388
2018		15,545
2017		3,118
2016		248
Prior		39
Total Amortized Cost Basis		160,765
FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	79,384
2019		146,104
2018		25,047
2017		4,238
2016		262
Prior		30
Total Amortized Cost Basis		255,065
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	162,214
2019		198,710
2018		17,898
2017		1,115
2016		110
Prior		36
Total Amortized Cost Basis		380,083	467,614	435,467
Small Loans [Member] | FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	43,464
2019		46,503
2018		5,324
2017		608
2016		74
Prior		25
Total Amortized Cost Basis		95,998
Small Loans [Member] | FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	20,354
2019		22,375
2018		1,872
2017		132
2016		14
Prior		5
Total Amortized Cost Basis		44,752
Small Loans [Member] | FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	20,830
2019		23,532
2018		2,090
2017		119
2016		6
Prior		4
Total Amortized Cost Basis		46,581
Small Loans [Member] | FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	21,102
2019		25,168
2018		2,034
2017		86
2016		4
Prior		1
Total Amortized Cost Basis		48,395
Small Loans [Member] | FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	21,268
2019		27,915
2018		2,346
2017		70
2016		8
Total Amortized Cost Basis		51,607
Small Loans [Member] | FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	35,196
2019		53,217
2018		4,232
2017		100
2016		4
Prior		1
Total Amortized Cost Basis		92,750
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	179,160
2019		346,709
2018		72,193
2017		17,627
2016		1,626
Prior		819
Total Amortized Cost Basis		618,134	632,067	516,019
Large Loans [Member] | FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	26,495
2019		41,699
2018		11,800
2017		4,783
2016		991
Prior		519
Total Amortized Cost Basis		86,287
Large Loans [Member] | FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	15,160
2019		25,011
2018		4,304
2017		1,040
2016		162
Prior		134
Total Amortized Cost Basis		45,811
Large Loans [Member] | FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	30,241
2019		58,872
2018		11,528
2017		2,455
2016		116
Prior		90
Total Amortized Cost Basis		103,302
Large Loans [Member] | FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	34,292
2019		69,087
2018		12,233
2017		2,754
2016		135
Prior		35
Total Amortized Cost Basis		118,536
Large Loans [Member] | FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	29,451
2019		60,841
2018		12,384
2017		2,777
2016		88
Prior		17
Total Amortized Cost Basis		105,558
Large Loans [Member] | FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	43,521
2019		91,199
2018		19,944
2017		3,818
2016		134
Prior		24
Total Amortized Cost Basis		158,640
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2017		3,099
2016		2,261
Prior		699
Total Amortized Cost Basis		6,059	9,640	15,717
Automobile Loans [Member] | FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2017		1,331
2016		1,027
Prior		406
Total Amortized Cost Basis		2,764
Automobile Loans [Member] | FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2017		549
2016		426
Prior		129
Total Amortized Cost Basis		1,104
Automobile Loans [Member] | FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2017		657
2016		367
Prior		73
Total Amortized Cost Basis		1,097
Automobile Loans [Member] | FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2017		297
2016		170
Prior		67
Total Amortized Cost Basis		534
Automobile Loans [Member] | FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2017		105
2016		151
Prior		21
Total Amortized Cost Basis		277
Automobile Loans [Member] | FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2017		160
2016		120
Prior		3
Total Amortized Cost Basis		283
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	3,952
2019		9,358
2018		4,267
2017		754
2016		18
Prior		10
Total Amortized Cost Basis		18,359	$ 24,083	$ 27,777
Retail Loans [Member] | FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	638
2019		1,530
2018		521
2017		84
2016		4
Prior		2
Total Amortized Cost Basis		2,779
Retail Loans [Member] | FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	421
2019		1,181
2018		478
2017		84
2016		1
Prior		1
Total Amortized Cost Basis		2,166
Retail Loans [Member] | FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	564
2019		1,222
2018		559
2017		89
2016		6
Prior		2
Total Amortized Cost Basis		2,442
Retail Loans [Member] | FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	954
2019		2,105
2018		1,023
2017		171
2016		2
Prior		2
Total Amortized Cost Basis		4,257
Retail Loans [Member] | FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	708
2019		1,632
2018		815
2017		166
2016		1
Prior		1
Total Amortized Cost Basis		3,323
Retail Loans [Member] | FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	[1]	667
2019		1,688
2018		871
2017		160
2016		4
Prior		2
Total Amortized Cost Basis		$ 3,392
[1]	Includes loans originated during the six months ended June 30, 2020.

Finance Receivables, Credit Q_6

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Amortized Cost Basis in Past-Due Loans (Detail) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019	Jun. 30, 2019
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 49,535	$ 79,510
Past due, Percent	4.80%	7.00%
Total net finance receivables	$ 1,022,635	$ 1,133,404	$ 994,980
Total net finance receivables, Percent	100.00%	100.00%
Net finance receivables in nonaccrual status	$ 27,085	$ 42,474
Net finance receivables in nonaccrual status, Percent	2.60%	3.70%
Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 896,928	$ 949,204
Current, Percent	87.80%	83.80%
1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 76,172	$ 104,690
Past due, Percent	7.40%	9.20%
Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 15,277	$ 25,276
Past due, Percent	1.40%	2.20%
Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 9,764	$ 18,781
Past due, Percent	1.00%	1.70%
Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 7,014	$ 13,916
Past due, Percent	0.70%	1.20%
Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 8,081	$ 11,656
Past due, Percent	0.80%	1.00%
Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 9,399	$ 9,881
Past due, Percent	0.90%	0.90%
Small Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 24,465	$ 42,375
Past due, Percent	6.40%	9.10%
Total net finance receivables	$ 380,083	$ 467,614	435,467
Total net finance receivables, Percent	100.00%	100.00%
Net finance receivables in nonaccrual status	$ 14,155	$ 22,773
Net finance receivables in nonaccrual status, Percent	3.70%	4.90%
Small Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 325,871	$ 377,776
Current, Percent	85.80%	80.70%
Small Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 29,747	$ 47,463
Past due, Percent	7.80%	10.20%
Small Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 6,736	$ 12,702
Past due, Percent	1.70%	2.80%
Small Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,790	$ 9,916
Past due, Percent	1.30%	2.10%
Small Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,665	$ 7,518
Past due, Percent	1.00%	1.60%
Small Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,314	$ 6,584
Past due, Percent	1.10%	1.40%
Small Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,960	$ 5,655
Past due, Percent	1.30%	1.20%
Large Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 23,660	$ 33,921
Past due, Percent	3.80%	5.40%
Total net finance receivables	$ 618,134	$ 632,067	516,019
Total net finance receivables, Percent	100.00%	100.00%
Net finance receivables in nonaccrual status	$ 12,115	$ 17,924
Net finance receivables in nonaccrual status, Percent	2.00%	2.80%
Large Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 551,285	$ 546,414
Current, Percent	89.20%	86.40%
Large Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 43,189	$ 51,732
Past due, Percent	7.00%	8.20%
Large Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 8,106	$ 11,480
Past due, Percent	1.20%	1.80%
Large Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,675	$ 8,192
Past due, Percent	0.80%	1.30%
Large Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,125	$ 5,894
Past due, Percent	0.50%	1.00%
Large Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,508	$ 4,588
Past due, Percent	0.60%	0.70%
Large Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,246	$ 3,767
Past due, Percent	0.70%	0.60%
Automobile Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 291	$ 755
Past due, Percent	4.80%	7.80%
Total net finance receivables	$ 6,059	$ 9,640	15,717
Total net finance receivables, Percent	100.00%	100.00%
Net finance receivables in nonaccrual status	$ 222	$ 591
Net finance receivables in nonaccrual status, Percent	3.70%	6.10%
Automobile Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 4,744	$ 6,921
Current, Percent	78.30%	71.80%
Automobile Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,024	$ 1,964
Past due, Percent	16.90%	20.40%
Automobile Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 80	$ 241
Past due, Percent	1.40%	2.50%
Automobile Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 33	$ 110
Past due, Percent	0.50%	1.10%
Automobile Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 63	$ 129
Past due, Percent	1.00%	1.40%
Automobile Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 79	$ 127
Past due, Percent	1.30%	1.30%
Automobile Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 36	$ 148
Past due, Percent	0.60%	1.50%
Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,119	$ 2,459
Past due, Percent	6.10%	10.20%
Total net finance receivables	$ 18,359	$ 24,083	$ 27,777
Total net finance receivables, Percent	100.00%	100.00%
Net finance receivables in nonaccrual status	$ 593	$ 1,186
Net finance receivables in nonaccrual status, Percent	3.20%	4.90%
Retail Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 15,028	$ 18,093
Current, Percent	81.90%	75.10%
Retail Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,212	$ 3,531
Past due, Percent	12.00%	14.70%
Retail Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 355	$ 853
Past due, Percent	2.00%	3.60%
Retail Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 266	$ 563
Past due, Percent	1.40%	2.30%
Retail Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 161	$ 375
Past due, Percent	0.80%	1.50%
Retail Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 180	$ 357
Past due, Percent	1.00%	1.50%
Retail Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 157	$ 311
Past due, Percent	0.90%	1.30%

Finance Receivables, Credit Q_7

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Additional Information (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Jan. 01, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables included net deferred origination fees		$ 10,100	$ 10,100			$ 13,400
Increase decrease in allowance for credit losses		400
Allowance for credit losses		$ 142,000	$ 142,000	$ 142,400		62,200		$ 57,200	$ 56,400	$ 58,300
Allowance percentage for credit losses		13.90%	13.90%					5.70%
Quarterly Trend - Amortized Cost Basis [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for credit losses						$ 62,200	$ 60,900	$ 57,200	$ 56,400
Allowance percentage for credit losses						5.50%	5.70%	5.70%	6.10%
CECL Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for credit losses					$ 122,300
Allowance percentage of net finance receivables					10.80%
Post-CECL Change in Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase decrease in allowance for credit losses			$ 19,700
COVID19 Impact [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase decrease in allowance for credit losses		$ 9,500	33,400
Reserve Release Due to Portfolio Liquidation [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase decrease in allowance for credit losses		$ 9,900	$ 13,700
CARES Act [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase in U.S. unemployment rate			17.20%
CARES Act [Member] | Subsequent Event [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase in U.S. unemployment rate	8.60%

Finance Receivables, Credit Q_8

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Reconciliation of Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 142,400	$ 56,400	$ 62,200	$ 58,300
Impact Of CECL adoption			60,100
Provision for credit losses	27,499	25,714	77,021	49,057
Credit losses	(29,074)	(26,001)	(59,754)	(52,378)
Recoveries	1,175	1,087	2,433	2,221
Ending balance	142,000	57,200	142,000	57,200
Net finance receivables	$ 1,022,635	$ 994,980	$ 1,022,635	$ 994,980	$ 1,133,404
Allowance as Percentage of Finance Receivables	13.90%	5.70%	13.90%	5.70%
Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 62,454	$ 29,793	$ 30,588	$ 30,759
Impact Of CECL adoption			24,185
Provision for credit losses	11,514	13,736	36,066	27,691
Credit losses	(16,420)	(14,993)	(33,948)	(30,481)
Recoveries	657	598	1,314	1,165
Ending balance	58,205	29,134	58,205	29,134
Net finance receivables	$ 380,083	$ 435,467	$ 380,083	$ 435,467	467,614
Allowance as Percentage of Finance Receivables	15.30%	6.70%	15.30%	6.70%
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 75,013	$ 23,217	$ 29,148	$ 23,702
Impact Of CECL adoption			33,550
Provision for credit losses	15,513	10,989	39,268	19,440
Credit losses	(11,694)	(9,550)	(23,655)	(18,887)
Recoveries	473	398	994	799
Ending balance	79,305	25,054	79,305	25,054
Net finance receivables	$ 618,134	$ 516,019	$ 618,134	$ 516,019	632,067
Allowance as Percentage of Finance Receivables	12.80%	4.90%	12.80%	4.90%
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 1,247	$ 1,470	$ 820	$ 1,893
Impact Of CECL adoption			599
Provision for credit losses	15	131	112	240
Credit losses	(115)	(566)	(426)	(1,218)
Recoveries	13	58	55	178
Ending balance	1,160	1,093	1,160	1,093
Net finance receivables	$ 6,059	$ 15,717	$ 6,059	$ 15,717	9,640
Allowance as Percentage of Finance Receivables	19.10%	7.00%	19.10%	7.00%
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 3,686	$ 1,920	$ 1,644	$ 1,946
Impact Of CECL adoption			1,766
Provision for credit losses	457	858	1,575	1,686
Credit losses	(845)	(892)	(1,725)	(1,792)
Recoveries	32	33	70	79
Ending balance	3,330	1,919	3,330	1,919
Net finance receivables	$ 18,359	$ 27,777	$ 18,359	$ 27,777	$ 24,083
Allowance as Percentage of Finance Receivables	18.10%	6.90%	18.10%	6.90%

Finance Receivables, Credit Q_9

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary Of Impact Of Allowance For Credit Losses During The period (Detail) - USD ($) $ in Thousands	Jun. 30, 2020	Mar. 31, 2020	Jan. 01, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses	$ 142,000	$ 142,400		$ 62,200		$ 57,200	$ 56,400	$ 58,300
Allowance as Percentage of Finance Receivables	13.90%					5.70%
Quarterly Trend - Amortized Cost Basis [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses				$ 62,200	$ 60,900	$ 57,200	$ 56,400
Allowance as Percentage of Finance Receivables				5.50%	5.70%	5.70%	6.10%
Pre-adoption Allowance [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance as Percentage of Finance Receivables				5.60%	5.80%	5.90%	6.20%
Impact of Adoption [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses			$ 60,100
Allowance as Percentage of Finance Receivables			5.30%
CECL Allowance [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses			$ 122,300
Allowance percentage of net finance receivables			10.80%
Reserve Build (Loss) [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses	$ 19,700
Small Loans [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses	$ 58,205	62,454		$ 30,588		$ 29,134	$ 29,793	30,759
Allowance as Percentage of Finance Receivables	15.30%					6.70%
Small Loans [Member] | Pre-adoption Allowance [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses				30,588
Small Loans [Member] | Impact of Adoption [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses			$ 24,185
Small Loans [Member] | CECL Allowance [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses			54,773
Small Loans [Member] | Reserve Build (Loss) [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses	$ 3,432
Large Loans [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses	$ 79,305	75,013		29,148		$ 25,054	23,217	23,702
Allowance as Percentage of Finance Receivables	12.80%					4.90%
Large Loans [Member] | Pre-adoption Allowance [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses				29,148
Large Loans [Member] | Impact of Adoption [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses			33,550
Large Loans [Member] | CECL Allowance [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses			62,698
Large Loans [Member] | Reserve Build (Loss) [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses	$ 16,607
Automobile Loans [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses	1,160
Automobile Loans [Member] | Pre-adoption Allowance [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses				820
Automobile Loans [Member] | Impact of Adoption [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses			599
Automobile Loans [Member] | CECL Allowance [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses			1,419
Automobile Loans [Member] | Reserve Build (Loss) [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses	(259)
Retail Loans [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses	$ 3,330	$ 3,686		1,644		$ 1,919	$ 1,920	$ 1,946
Allowance as Percentage of Finance Receivables	18.10%					6.90%
Retail Loans [Member] | Pre-adoption Allowance [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses				$ 1,644
Retail Loans [Member] | Impact of Adoption [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses			1,766
Retail Loans [Member] | CECL Allowance [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses			$ 3,410
Retail Loans [Member] | Reserve Build (Loss) [Member]
Schedule Of Impact Of Allowance For Credit Losses During The Period [Line Items]
Allowance for credit losses	$ (80)

Interest Rate Caps - Additional

Interest Rate Caps - Additional Information (Detail) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2020	Dec. 31, 2019
Derivative [Line Items]
Notional amount of interest rate cap	$ 300
London Interbank Offered Rate (LIBOR) [Member]
Derivative [Line Items]
Interest rate	0.16%	1.76%
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. 1, 2021
Strike rate	3.50%
Interest Rate Cap Contracts Expiring in March 2023 [Member]
Derivative [Line Items]
Notional amount of interest rate cap	$ 100
Maturity period of interest rate caps exchanged	Mar. 1, 2023
Strike rate	1.75%

Interest Rate Caps - Summary of

Interest Rate Caps - Summary of Change in Rate Caps (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Offsetting [Abstract]
Balance at beginning of period	$ 85	$ 49		$ 249
Purchases			$ 114
Fair value adjustment included as an increase in interest expense	(33)	(43)	(62)	(243)
Balance at end of period, included in other assets	$ 52	$ 6	$ 52	$ 6

Long-Term Debt - Summary of the

Long-Term Debt - Summary of the Company's Long-Term Debt (Detail) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Debt Instrument [Line Items]
Long-term debt	$ 683,865	$ 808,218
Unamortized debt issuance costs	(7,584)	(9,607)
Net long-term debt	676,281	798,611
Unused amount of revolving credit facilities (subject to borrowing base)	493,054	369,271
Senior Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Long-term debt	246,254	350,818
Unamortized debt issuance costs	(2,156)	(2,504)
Net long-term debt	244,098	348,314
Revolving Warehouse Credit Facility [Member]
Debt Instrument [Line Items]
Long-term debt	26,844	46,633
Unamortized debt issuance costs	(1,588)	(1,875)
Net long-term debt	25,256	44,758
RMIT 2018-1 securitization [Member]
Debt Instrument [Line Items]
Long-term debt	150,246	150,246
Unamortized debt issuance costs	(912)	(1,558)
Net long-term debt	149,334	148,688
RMIT 2018-2 securitization [Member]
Debt Instrument [Line Items]
Long-term debt	130,349	130,349
Unamortized debt issuance costs	(1,273)	(1,687)
Net long-term debt	129,076	128,662
RMIT 2019-1 securitization [Member]
Debt Instrument [Line Items]
Long-term debt	130,172	130,172
Unamortized debt issuance costs	(1,655)	(1,983)
Net long-term debt	$ 128,517	$ 128,189

Long-Term Debt - Additional Inf

Long-Term Debt - Additional Information (Detail) - USD ($)	3 Months Ended	6 Months Ended	9 Months Ended
	Dec. 31, 2019	Jun. 30, 2020	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account	$ 54,164,000	$ 54,423,000		$ 41,803,000	$ 46,484,000
Unrestricted cash	2,263,000	8,973,000		$ 694,000	$ 3,657,000
Unrestricted Cash [Member]
Line of Credit Facility [Line Items]
Unrestricted cash		9,000,000
Revolving Warehouse Credit Facility [Member]
Line of Credit Facility [Line Items]
Secured line of credit		$ 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%
Cash deposited to restricted cash reserve account		$ 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
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 remaining note payment date. No payments of principal of the notes were made during the revolving period.
Debt revolving period end date		2020-06
Private offering of investment grade asset-backed notes		$ 150,000,000
Weighted average rate		3.93%
RMIT 2018-2 securitization [Member]
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account		$ 1,400,000
Debt maturity date		2028-01
Terms related to loan prepayment		Prior to maturity in January 2028, the Company may redeem the notes in full, but not in part, at its option on any note payment date on or after the payment date occurring in January 2021. No payments of principal of the notes will be made during the revolving period.
Debt revolving period end date		2020-12
Private offering of investment grade asset-backed notes		$ 130,000,000
Weighted average rate		4.87%
RMIT 2019-1 securitization [Member]
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account		$ 1,400,000
Debt maturity date		2028-11
Terms related to loan prepayment		Prior to maturity in November 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 November 2021. No payments of principal of the notes will be made during the revolving period.
Debt revolving period end date		2021-10
Private offering of investment grade asset-backed notes		$ 130,000,000
Weighted average rate		3.17%
Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Secured line of credit		$ 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%
Percentage of advances on debt agreement eligible unsecured finance receivables		80.00%
Current percentage of advances on eligible secured finance receivables		80.00%
Current percentage of advances on eligible unsecured finance receivables		75.00%
Credit facility, eligible borrowing capacity		$ 153,500,000
Description of Variable Rate Basis		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 0.30% and 1.91% at June 30, 2020 and December 31, 2019, respectively. RMR II pays an unused commitment fee between 0.35% and 0.85% based upon the average daily utilization of the facility.
Percentage of advances on debt agreement eligible delinquent renewals of finance receivables		60.00%
Commitment fee description		The Company pays an unused line fee 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%
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
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	$ 38,900,000
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%	0.16%
London Interbank Offered Rate (LIBOR) [Member] | Revolving Warehouse Credit Facility [Member]
Line of Credit Facility [Line Items]
Interest rate	1.91%	0.30%
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%	0.16%
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%

Long-Term Debt - Schedule of Ca

Long-Term Debt - Schedule of Carrying Amounts of Consolidated VIE's Assets and Liabilities (Detail) - USD ($) $ in Thousands	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018
Assets
Cash	$ 8,973		$ 2,263	$ 694		$ 3,657
Net finance receivables	1,022,635		1,133,404	994,980
Allowance for credit losses	(142,000)	$ (142,400)	(62,200)	(57,200)	$ (56,400)	(58,300)
Restricted cash	54,423		54,164	$ 41,803		$ 46,484
Other assets	11,023		7,704
Total assets	1,000,225		1,158,540
Liabilities
Net long-term debt	676,281		798,611
Accounts payable and accrued expenses	34,843		28,676
Total liabilities	740,344		855,757
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	177		152
Net finance receivables	451,048		474,340
Allowance for credit losses	(57,879)		(22,015)
Restricted cash	43,729		44,221
Other assets	7		68
Total assets	437,082		496,766
Liabilities
Net long-term debt	432,183		450,297
Accounts payable and accrued expenses	72		86
Total liabilities	$ 432,255		$ 450,383

Disclosure About Fair Value o_3

Disclosure About Fair Value of Financial Instruments - Additional Information (Detail)	6 Months Ended
	Jun. 30, 2020
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	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018
Assets
Interest rate caps	$ 52	$ 85		$ 6	$ 49	$ 249
Net finance receivables, less unearned insurance premiums and allowance for credit losses	853,619		$ 1,042,613
Carrying Amount [Member] | Level 1 Inputs [Member]
Assets
Cash	8,973		2,263
Restricted cash	54,423		54,164
Carrying Amount [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	52
Carrying Amount [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables, less unearned insurance premiums and allowance for credit losses	853,619		1,042,613
Liabilities
Long-term debt	683,865		808,218
Estimated Fair Value [Member] | Level 1 Inputs [Member]
Assets
Cash	8,973		2,263
Restricted cash	54,423		54,164
Estimated Fair Value [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	52
Estimated Fair Value [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables, less unearned insurance premiums and allowance for credit losses	916,636		1,042,613
Liabilities
Long-term debt	$ 669,911		$ 808,218

Income Taxes - Schedule of Effe

Income Taxes - Schedule of Effective Income Tax Reconciliation (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Federal tax expense at statutory rate	21.00%	21.00%	21.00%	21.00%
Increase (reduction) in income taxes resulting from:
State tax, net of federal benefit	9.00%	3.10%	6.60%	3.00%
Section 162(m) limitation	6.30%	0.30%	4.00%	0.30%
Excess tax (benefits) deficiencies from share-based awards	0.60%	0.00%	6.40%	(0.20%)
Other	(0.80%)	(0.20%)	(0.30%)	(0.60%)
Effective tax rate	36.10%	24.20%	37.70%	23.50%
Federal tax expense at statutory rate	$ 2,455	$ 2,320	$ 386	$ 4,525
Increase (reduction) in income taxes resulting from:
State tax, net of federal benefit	1,056	347	122	655
Section 162(m) limitation	739	33	74	73
Excess tax (benefits) deficiencies from share-based awards	72	(3)	118	(43)
Other	(103)	(20)	(6)	(140)
Total	$ 4,219	$ 2,677	$ 694	$ 5,070

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		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Numerator:
Net income	$ 7,470	$ 8,369	$ 1,145	$ 16,477
Denominator:
Weighted-average shares outstanding for basic earnings per share	10,962	11,706	10,929	11,709
Effect of dilutive securities	51	316	201	340
Weighted-average shares adjusted for dilutive securities	11,013	12,022	11,130	12,049
Basic	$ 0.68	$ 0.71	$ 0.10	$ 1.41
Diluted	$ 0.68	$ 0.70	$ 0.10	$ 1.37

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares shares in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Stock Compensation Plans [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase common stock, Shares	1	0.3	1	0.3

Share-based Compensation - Addi

Share-based Compensation - Additional Information (Detail) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	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	600,000		600,000
Long Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Performance target for achievement period			3 years
Non-Employee Directors [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-employee director compensation grant period			5 days
Minimum [Member] | Long Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of performance target for achievement			0.00%
Maximum [Member] | Graded and Cliff Vesting [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period of options			5 years
Maximum [Member] | Long Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of performance target for achievement			150.00%
Stock Compensation Plans [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized share-based compensation expense	$ 7		$ 7
Period of recognition of share-based compensation expense			2 years
Share-based compensation expense	$ 1.1	$ 1.2	$ 2.5	$ 2.2
Stock Compensation Plans [Member] | 2015 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum aggregate number of shares	1,550,000		1,550,000
Shares available for grant					900,000
Plan description			As of June 30, 2020, 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 0.9 million 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 onthe 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)	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Expected volatility	44.88%	41.14%
Expected dividends	0.00%	0.00%
Expected term (in years)	6 years	6 years
Risk-free rate	0.71%	2.55%

Share-based Compensation - Summ

Share-based Compensation - Summary of Company's Stock Option Plan Activity (Detail) $ / shares in Units, shares in Thousands, $ in Thousands	6 Months Ended
	Jun. 30, 2020USD ($)$ / sharesshares
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Number of Shares, Options outstanding, Beginning balance | shares	1,067
Number of Shares, Granted | shares	124
Number of Shares, Exercised | shares	(22)
Number of Shares, Forfeited | shares	(33)
Number of Shares, Expired | shares
Number of Shares, Options outstanding, Ending balance | shares	1,136
Number of Shares, Options exercisable | shares	963
Weighted Average Exercise Price Per Share, Options outstanding, Beginning balance | $ / shares	$ 19.61
Weighted Average Exercise Price Per Share, Granted | $ / shares	17.71
Weighted Average Exercise Price Per Share, Exercised | $ / shares	17.72
Weighted Average Exercise Price Per Share, Forfeited | $ / shares	27.98
Weighted Average Exercise Price Per Share, Expired | $ / shares
Weighted Average Exercise Price Per Share, Options outstanding, Ending balance | $ / shares	19.20
Weighted Average Exercise Price Per Share, Options exercisable | $ / shares	$ 18.98
Weighted Average Remaining Contractual Life (Years), Options outstanding	5 years 8 months 12 days
Weighted Average Remaining Contractual Life (Years), Options exercisable	5 years 1 month 6 days
Aggregate Intrinsic Value, Options outstanding | $	$ 1,112
Aggregate Intrinsic Value, Options exercisable | $	$ 992

Share-based Compensation - Su_2

Share-based Compensation - Summary of Additional Stock Option Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Weighted-average grant date fair value per share	$ 0	$ 0	$ 7.58	$ 12.07
Intrinsic value of options exercised	$ 0	$ 0	$ 219	$ 0
Fair value of stock options that vested	$ 0	$ 0	$ 353	$ 0

Share-based Compensation - Su_3

Share-based Compensation - Summary of RSU Activity (Detail) - Restricted Stock Units (RSUs) [Member] - $ / shares shares in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested units at January 1, 2020			156
Granted (target)			67
Achieved performance adjustment			(2)
Vested			(66)
Forfeited			(27)
Non-vested units at June 30, 2020	128		128
Weighted Average Grant Date Fair Value, Non-vested units at January 1, 2020			$ 24.57
Weighted Average Grant Date Fair Value, Granted (target)	$ 15.86	$ 0	15.86	$ 27.89
Weighted Average Grant Date Fair Value, Achieved performance adjustment			19.99
Weighted Average Grant Date Fair Value, Vested			19.99
Weighted Average Grant Date Fair Value, Forfeited			28.03
Weighted Average Grant Date Fair Value Non-vested units at June 30, 2020	$ 21.76		$ 21.76

Share-based Compensation - Su_4

Share-based Compensation - Summary of RSU Activity (Parenthetical) (Detail)	6 Months Ended
	Jun. 30, 2020
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	96.60%

Share-based Compensation - Su_5

Share-based Compensation - Summary of Additional RSU Information (Detail) - Restricted Stock Units (RSUs) [Member] - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per unit	$ 15.86	$ 0	$ 15.86	$ 27.89
Fair value of RSUs that vested	$ 0	$ 0	$ 1,314	$ 916

Share-based Compensation - Su_6

Share-based Compensation - Summary of RSA Activity (Detail) - Restricted Stock [Member] - $ / shares shares in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested units at January 1, 2020			126
Granted			199
Vested			(44)
Forfeited			(11)
Non-vested units at June 30, 2020	270		270
Weighted Average Grant Date Fair Value, Non-vested units at January 1, 2020			$ 26.93
Weighted Average Grant Date Fair Value, Granted	$ 15.58	$ 24.66	19.39	$ 27.20
Weighted Average Grant Date Fair Value, Vested			25.21
Weighted Average Grant Date Fair Value, Forfeited			27.89
Weighted Average Grant Date Fair Value Non-vested units at June 30, 2020	$ 21.60		$ 21.60

Share-based Compensation - Su_7

Share-based Compensation - Summary of Additional RSA Information (Detail) - Restricted Stock [Member] - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per share	$ 15.58	$ 24.66	$ 19.39	$ 27.20
Fair value of RSAs that vested	$ 819	$ 810	$ 1,121	$ 918