Regional Management (RM) 10-Q 3 Aug 21 2021 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2021	Aug. 02, 2021
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Entity Interactive Data Current	Yes
Document Period End Date	Jun. 30, 2021
Document Fiscal Year Focus	2021
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		10,293,387

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Assets
Cash	$ 6,086	$ 8,052
Net finance receivables	1,183,387	1,136,259
Unearned insurance premiums	(39,469)	(34,545)
Allowance for credit losses	(139,400)	(150,000)
Net finance receivables, less unearned insurance premiums and allowance for credit losses	1,004,518	951,714
Restricted cash	99,920	63,824
Lease assets	28,223	27,116
Deferred tax assets, net	14,109	14,121
Property and equipment	12,658	14,008
Intangible assets	9,081	8,689
Other assets	16,710	16,332
Total assets	1,191,305	1,103,856
Liabilities:
Debt	853,067	768,909
Unamortized debt issuance costs	(9,356)	(6,661)
Net debt	843,711	762,248
Accounts payable and accrued expenses	38,316	40,284
Lease liabilities	30,295	29,201
Total liabilities	912,322	831,733
Commitments and contingencies (Note 11)
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, 14,141 shares issued and 10,360 shares outstanding at June 30, 2021 and 13,851 shares issued and 10,932 shares outstanding at December 31, 2020)	1,414	1,385
Additional paid-in capital	105,509	105,483
Retained earnings	268,172	227,343
Treasury stock (3,780 shares at June 30, 2021 and 2,919 shares at December 31, 2020)	(96,112)	(62,088)
Total stockholders’ equity	278,983	272,123
Total liabilities and stockholders’ equity	1,191,305	1,103,856
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	189	236
Net finance receivables	714,401	483,674
Allowance for credit losses	(80,622)	(59,046)
Restricted cash	85,231	51,849
Other assets	7	5
Total assets	719,206	476,718
Liabilities:
Net debt	700,409	477,822
Accounts payable and accrued expenses	138	87
Total liabilities	$ 700,547	$ 477,909

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Jun. 30, 2021	Dec. 31, 2020
Statement Of Financial Position [Abstract]
Preferred stock, par value	$ 0.10	$ 0.10
Preferred stock, shares authorized	100,000,000	100,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 0.10	$ 0.10
Common stock, shares authorized	1,000,000,000	1,000,000,000
Common stock, shares issued	14,141,000	13,851,000
Common stock, shares outstanding	10,360,000	10,932,000
Treasury stock, shares	3,780,000	2,919,000

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Revenue
Interest and fee income	$ 88,793	$ 80,067	$ 176,072	$ 167,064
Insurance income, net	8,656	7,650	16,641	13,599
Other income	2,227	2,133	4,694	5,261
Total revenue	99,676	89,850	197,407	185,924
Expenses
Provision for credit losses	20,549	27,499	31,911	77,021
Personnel	28,370	26,863	57,221	56,374
Occupancy	5,568	5,608	11,588	10,835
Marketing	4,776	1,438	7,486	3,124
Other	7,675	7,616	15,937	17,435
Total general and administrative expenses	46,389	41,525	92,232	87,768
Interest expense	7,801	9,137	14,936	19,296
Income before income taxes	24,937	11,689	58,328	1,839
Income taxes	4,771	4,219	12,640	694
Net income	$ 20,166	$ 7,470	$ 45,688	$ 1,145
Net income per common share:
Basic	$ 1.98	$ 0.68	$ 4.41	$ 0.10
Diluted	$ 1.87	$ 0.68	$ 4.18	$ 0.10
Weighted-average common shares outstanding:
Basic	10,200,000	10,962,000	10,371,000	10,929,000
Diluted	10,797,000	11,013,000	10,931,000	11,130,000

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Total	Common Stock [Member]	Additional Paid-in Capital	Retained Earnings [Member]	Treasury Stock [Member]
Beginning Balance, shares at Dec. 31, 2019		13,497,000
Beginning Balance at Dec. 31, 2019	$ 302,783	$ 1,350	$ 102,678	$ 248,829	$ (50,074)
Cumulative effect of accounting standard adoption at Dec. 31, 2019	(45,922)			(45,922)
Issuance of restricted stock awards, shares		254,000
Issuance of restricted stock awards		$ 26	(26)
Exercise of stock options, shares		22,000
Exercise of stock options	2	$ 2
Shares withheld related to net share settlement, shares		(46,000)
Shares withheld related to net share settlement	(601)	$ (5)	(596)
Share-based compensation	2,474		2,474
Net income (Loss)	1,145			1,145
Ending Balance, shares at Jun. 30, 2020		13,727,000
Ending Balance at Jun. 30, 2020	259,881	$ 1,373	104,530	204,052	(50,074)
Beginning Balance, shares at Mar. 31, 2020		13,659,000
Beginning Balance at Mar. 31, 2020	251,362	$ 1,366	103,488	196,582	(50,074)
Issuance of restricted stock awards, shares		68,000
Issuance of restricted stock awards		$ 7	(7)
Shares withheld related to net share settlement	(6)		(6)
Share-based compensation	1,055		1,055
Net income (Loss)	7,470			7,470
Ending Balance, shares at Jun. 30, 2020		13,727,000
Ending Balance at Jun. 30, 2020	259,881	$ 1,373	104,530	204,052	(50,074)
Beginning Balance, shares at Dec. 31, 2020		13,851,000
Beginning Balance at Dec. 31, 2020	272,123	$ 1,385	105,483	227,343	(62,088)
Cash dividends	$ (4,859)			(4,859)
Issuance of restricted stock awards, shares		194,000
Issuance of restricted stock awards		$ 19	(19)
Exercise of stock options, shares	350,000	350,000
Exercise of stock options	$ 35	$ 35
Repurchase of common stock	(34,024)				(34,024)
Shares withheld related to net share settlement, shares		(254,000)
Shares withheld related to net share settlement	(3,409)	$ (25)	(3,384)
Share-based compensation	3,429		3,429
Net income (Loss)	45,688			45,688
Ending Balance, shares at Jun. 30, 2021		14,141,000
Ending Balance at Jun. 30, 2021	278,983	$ 1,414	105,509	268,172	(96,112)
Beginning Balance, shares at Mar. 31, 2021		14,063,000
Beginning Balance at Mar. 31, 2021	283,636	$ 1,406	105,493	250,659	(73,922)
Cash dividends	(2,653)			(2,653)
Issuance of restricted stock awards, shares		18,000
Issuance of restricted stock awards		$ 1	(1)
Exercise of stock options, shares		213,000
Exercise of stock options	21	$ 21
Repurchase of common stock	(22,190)				(22,190)
Shares withheld related to net share settlement, shares		(153,000)
Shares withheld related to net share settlement	(1,863)	$ (14)	(1,849)
Share-based compensation	1,866		1,866
Net income (Loss)	20,166			20,166
Ending Balance, shares at Jun. 30, 2021		14,141,000
Ending Balance at Jun. 30, 2021	$ 278,983	$ 1,414	$ 105,509	$ 268,172	$ (96,112)

Consolidated Statements of Cash

Consolidated Statements of Cash Flows $ in Thousands	6 Months Ended
	Jun. 30, 2021USD ($)	Jun. 30, 2020USD ($)
Cash flows from operating activities:
Net income	$ 45,688	$ 1,145
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Provision for credit losses	31,911	77,021
Depreciation and amortization	5,572	5,726
Loss on disposal of property and equipment	1	141
Share-based compensation	3,429	2,474
Fair value adjustment on interest rate caps	(775)	62
Deferred income taxes, net	12	(5,886)
Changes in operating assets and liabilities:
Increase in lease assets	(1,108)	(739)
(Increase) decrease in other assets	397	(3,380)
Increase (decrease) in accounts payable and accrued expenses	(570)	6,795
Increase in lease liabilities	1,094	750
Net cash provided by operating activities	85,651	84,109
Cash flows from investing activities:
Net repayments (originations) of finance receivables	(84,715)	51,872
Purchase of intangible assets	(1,509)	(480)
Purchase of property and equipment	(1,052)	(2,624)
Proceeds from disposal of property and equipment		2
Net cash provided by (used in) investing activities	(87,276)	48,770
Cash flows from financing activities:
Net payments on senior revolving credit facility	(141,582)	(104,564)
Net advances (payments) on revolving warehouse credit facilities	107,173	(19,789)
Net advances on securitizations	118,567
Payments for debt issuance costs	(4,542)	(319)
Taxes paid related to net share settlement of equity awards	(5,137)	(1,238)
Cash dividends	(4,700)
Repurchase of common stock	(34,024)
Net cash provided by (used in) financing activities	35,755	(125,910)
Net change in cash and restricted cash	34,130	6,969
Cash and restricted cash at beginning of period	71,876	56,427
Cash and restricted cash at end of period	106,006	63,396
Supplemental cash flow and non-cash information:
Interest paid	13,834	17,449
Income taxes paid	14,007	40
Operating leases paid	4,222	4,174
Non-cash lease assets and liabilities acquired	4,550	$ 4,591
Non-cash dividends payable	$ 159

Consolidated Statements of Ca_2

Consolidated Statements of Cash Flows (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020	Jun. 30, 2020	Dec. 31, 2019
Statement Of Cash Flows [Abstract]
Cash	$ 6,086	$ 8,052	$ 8,973	$ 2,263
Restricted cash	99,920	63,824	54,423	54,164
Total cash and restricted cash	$ 106,006	$ 71,876	$ 63,396	$ 56,427

Nature of Business

Nature of Business	6 Months Ended
	Jun. 30, 2021
Organization Consolidation And Presentation Of Financial Statements [Abstract]
Nature of Business	Note 1. Nature of Business Regional Management Corp. (the “ Company The Company’s loan volume and contractual delinquency follow seasonal trends. Demand for the Company’s small and large loans is typically highest during the second, third, and fourth quarters, which the Company believes is largely due to customers borrowing money for vacation, back-to-school, and holiday spending. Loan demand has generally been the lowest during the first quarter, which the Company believes is largely due to the timing of income tax refunds. Delinquencies generally reach their lowest point in the first half of the year and rise in the second half of the year. The current expected credit loss (“ CECL COVID-19

Basis of Presentation and Signi

Basis of Presentation and Significant Accounting Policies	6 Months Ended
	Jun. 30, 2021
Accounting Policies [Abstract]
Basis of Presentation and Significant Accounting Policies	Note 2. Basis of Presentation and Significant Accounting Policies Basis of presentation: The consolidated financial statements of the Company have been prepared in accordance with the instructions to the Quarterly Report on Form 10-Q adopted by the Securities and Exchange Commission (the “ SEC ”) and generally accepted accounting principles in the United States of America (“ GAAP ”) for interim financial information and, accordingly, do not include all information and note disclosures required by GAAP for complete financial statements. The interim financial statements in this Quarterly Report on Form 10-Q have not been audited by an independent registered public accounting firm in accordance with standards of the Public Company Accounting Oversight Board (United States), but in the opinion of management, the interim financial statements include all adjustments, consisting only of normal recurring adjustments, necessary for a fair presentation of the Company’s financial position, results of operations, and cash flows in accordance with GAAP. These consolidated financial statements should be read in conjunction with the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2020, as filed with the SEC. Significant accounting policies: The following is a description of significant accounting policies used in preparing the financial statements. The accounting and reporting policies of the Company are in accordance with GAAP and conform to general practices within the consumer finance industry. Principles of consolidation: The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. All significant intercompany balances and transactions have been eliminated in consolidation. The Company operates through a separate wholly-owned subsidiary in each state. The Company also consolidates variable interest entities (each, a “ VIE ”) when it is considered to be the primary beneficiary of the VIE because it has (i) power over the significant activities of the VIE and (ii) the obligation to absorb losses or the right to receive returns that could be significant to the VIE. Variable interest entities: The Company transfers pools of loans to wholly-owned, bankruptcy-remote, special purpose entities (each, an “ SPE ”) to secure debt for general funding purposes. These entities have the limited purpose of acquiring finance receivables and holding and making payments on the related debts. 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. The Company continues to service the finance receivables transferred to the SPEs. The lenders and investors in the debt issued by the SPEs generally only have recourse to the assets of the SPEs and do not have recourse to the general credit of the Company. 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. 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: The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, revenues and expenses, and disclosure of contingent assets and liabilities for the periods indicated in the financial statements. Actual results could differ from those 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, and the fair value of financial instruments. Reclassifications: Certain prior-period amounts have been reclassified to conform to the current presentation. Such reclassifications had no impact on previously reported net income or stockholders’ equity. Net finance receivables: The Company’s small loan portfolio is comprised of branch small loan receivables and convenience check receivables. Branch small loan receivables are direct loans to customers and are secured by non-essential household goods and, in some instances, an automobile. Convenience checks are direct loans originated by mailing checks to customers based on a pre-screening process that includes a review of the prospective customer’s credit profile provided by national credit reporting bureaus or data aggregators. A recipient of a convenience check is able to enter into a loan by endorsing and depositing or cashing the check. Large loan receivables are direct loans to customers, some of which are convenience check receivables and the vast majority of which are secured by non-essential household goods, automobiles, and/or other vehicles. Retail loan receivables consist principally of retail installment sales contracts collateralized by the purchased furniture, appliances, and other retail items and are initiated by and purchased from retailers, subject to the Company’s credit approval. Automobile loan receivables consist of direct automobile purchase loans, which were originated at the dealership and closed in one of the Company’s branches, and indirect automobile purchase loans, which were originated and closed at a dealership in the Company’s network without the need for the customer to visit one of the Company’s branches. In each case, these automobile loans are collateralized primarily by the purchased automobiles and, in the case of indirect loans, were initiated by and purchased from automobile dealerships, subject to the Company’s credit approval. The Company ceased originating automobile purchase loans in November 2017. Allowance for credit losses: The Financial Accounting Standards Board (the “ FASB ”) issued an accounting update in June 2016 to change the impairment model for estimating credit losses on financial assets. The previous incurred loss impairment model required the recognition of credit losses when it was probable that a loss had been incurred. The incurred loss model was replaced by the CECL model, which requires entities to estimate the lifetime expected credit loss on financial instruments and to record an allowance to offset the amortized cost basis of the financial asset. The CECL model requires earlier recognition of credit losses as compared to the incurred loss approach. The Company adopted this standard effective January 1, 2020. 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 loan 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 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 life of the finance receivables (considering the effect of prepayments) . Subsequent changes to the contractual terms that are a result of re-underwriting are not included in the finance receivable’s contractual life (considering the effect of prepayments) . The Company uses its segmentation loss experience to forecast expected credit losses. Historical information about losses generally provides a basis for the estimate of expected credit losses. The Company also considers the need to adjust historical information to reflect the extent to which current conditions differ from the conditions that existed for the period over which historical information was evaluated. These adjustments to historical loss information may be qualitative or quantitative in nature. 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 for these expectations. The Company does not require reversion adjustments, as the contractual lives of its portfolio (considering the effect of prepayments) are shorter than its available forecast periods. The Company charges credit losses against the allowance when an account reaches 180 days contractually delinquent, subject to certain exceptions. The Company’s non-titled customer accounts in a confirmed bankruptcy are charged off in the month following the bankruptcy notification or at 60 days contractually delinquent, subject to certain exceptions. Deceased borrower accounts are charged off in the month following the proper notification of passing, with the exception of borrowers with credit life insurance. Subsequent recoveries of amounts charged off, if any, are credited to the allowance. Troubled Debt Restructurings: The Company classifies a finance receivable as a troubled debt restructuring (each, a “ TDR ”) when the Company modifies the finance receivable’s contractual terms for economic or other reasons related to the borrower’s financial difficulties and grants a concession that it would not otherwise consider (including Chapter 13 bankruptcies and delinquent renewals). Modifications primarily include an interest rate reduction and/or term extension to reduce the borrower’s monthly payment. Once a loan is classified as a TDR, it remains a TDR for the purpose of calculating the allowance for credit losses for the remainder of its contractual term. The Company establishes its allowance for credit losses related to its TDRs by calculating the present value of all expected cash flows (discounted at the finance receivable’s effective interest rate prior to modification) less the amortized costs of the aggregated pool. The Company uses the modified interest rates and certain assumptions, including expected credit losses and recoveries, to estimate the expected cash flows from its TDRs. Nonaccrual status: Accrual of interest income on finance receivables is suspended when an account becomes 90 days delinquent. If the account is charged off, the accrued interest income is reversed as a reduction of interest and fee income. Interest received on such loans is accounted for on the cash-basis method, until qualifying for return to accrual. Under the cash-basis method, interest income is recorded when the payment is received. Loans resume accruing interest when the past due status is brought below 90 days. The Company made a policy election to not record an allowance for credit losses related to accrued interest because it has nonaccrual and charge-off policies that result in the timely suspension and reversal of accrued interest.

Finance Receivables, Credit Qua

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses	6 Months Ended
	Jun. 30, 2021
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, 2021 December 31, 2020 Small loans $ 380,780 $ 403,062 Large loans 789,743 715,210 Automobile loans 2,303 3,889 Retail loans 10,561 14,098 Net finance receivables $ 1,183,387 $ 1,136,259 Net finance receivables included net deferred origination fees of $12.8 million and $12.6 million as of June 30, 2021 and December 31, 2020, respectively. The credit quality of the Company’s finance receivable portfolio is dependent on 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 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, 2021 are as follows: Net Finance Receivables by Origination Year In thousands 2021 (1) 2020 2019 2018 2017 Prior Total Net Finance Receivables Small Loans: FICO Band 1 $ 41,916 $ 31,146 $ 6,445 $ 613 $ 80 $ 20 $ 80,220 2 25,323 16,699 2,596 144 15 5 44,782 3 27,385 17,797 2,561 144 8 1 47,896 4 30,105 19,538 2,532 134 10 3 52,322 5 30,236 22,337 2,849 94 4 2 55,522 6 50,026 44,312 5,587 106 5 2 100,038 Total small loans $ 204,991 $ 151,829 $ 22,570 $ 1,235 $ 122 $ 33 $ 380,780 Large Loans: FICO Band 1 $ 22,657 $ 31,578 $ 16,412 $ 4,550 $ 1,690 $ 695 $ 77,582 2 22,998 22,801 8,464 1,301 266 144 55,974 3 53,117 45,436 20,719 3,278 464 71 123,085 4 64,695 57,357 25,739 3,600 498 44 151,933 5 59,254 54,724 23,985 3,800 513 23 142,299 6 101,395 91,853 38,412 6,471 698 41 238,870 Total large loans $ 324,116 $ 303,749 $ 133,731 $ 23,000 $ 4,129 $ 1,018 $ 789,743 Automobile Loans: FICO Band 1 $ — $ — $ — $ — $ 590 $ 362 $ 952 2 — — — — 223 174 397 3 — — — — 366 146 512 4 — — — — 146 56 202 5 — — — — 40 78 118 6 — — — — 77 45 122 Total automobile loans $ — $ — $ — $ — $ 1,442 $ 861 $ 2,303 Retail Loans: FICO Band 1 $ 9 $ 235 $ 445 $ 84 $ 4 $ 4 $ 781 2 15 151 348 57 3 2 576 3 350 564 352 70 6 4 1,346 4 717 1,313 716 198 7 2 2,953 5 623 1,015 619 172 15 1 2,445 6 653 1,059 596 144 5 3 2,460 Total retail loans $ 2,367 $ 4,337 $ 3,076 $ 725 $ 40 $ 16 $ 10,561 Total Loans: FICO Band 1 $ 64,582 $ 62,959 $ 23,302 $ 5,247 $ 2,364 $ 1,081 $ 159,535 2 48,336 39,651 11,408 1,502 507 325 101,729 3 80,852 63,797 23,632 3,492 844 222 172,839 4 95,517 78,208 28,987 3,932 661 105 207,410 5 90,113 78,076 27,453 4,066 572 104 200,384 6 152,074 137,224 44,595 6,721 785 91 341,490 Total loans $ 531,474 $ 459,915 $ 159,377 $ 24,960 $ 5,733 $ 1,928 $ 1,183,387 (1) Includes loans originated during the six months ended June 30, 2021. The contractual delinquency of the net finance receivables portfolio by product and aging for the periods indicated are as follows: June 30, 2021 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 334,733 87.9 % $ 721,062 91.3 % $ 1,679 73.0 % $ 8,650 81.9 % $ 1,066,124 90.1 % 1 to 29 days past due 27,171 7.1 % 45,613 5.8 % 441 19.1 % 1,245 11.8 % 74,470 6.3 % Delinquent accounts 30 to 59 days 5,800 1.5 % 8,409 1.0 % 61 2.6 % 218 2.0 % 14,488 1.2 % 60 to 89 days 4,079 1.1 % 5,318 0.7 % 32 1.4 % 185 1.8 % 9,614 0.8 % 90 to 119 days 2,705 0.7 % 3,331 0.4 % 18 0.8 % 62 0.6 % 6,116 0.5 % 120 to 149 days 3,017 0.8 % 2,833 0.4 % 31 1.3 % 80 0.8 % 5,961 0.5 % 150 to 179 days 3,275 0.9 % 3,177 0.4 % 41 1.8 % 121 1.1 % 6,614 0.6 % Total delinquency $ 18,876 5.0 % $ 23,068 2.9 % $ 183 7.9 % $ 666 6.3 % $ 42,793 3.6 % Total net finance receivables $ 380,780 100.0 % $ 789,743 100.0 % $ 2,303 100.0 % $ 10,561 100.0 % $ 1,183,387 100.0 % Net finance receivables in nonaccrual status $ 9,660 2.5 % $ 10,608 1.3 % $ 140 6.1 % $ 361 3.4 % $ 20,769 1.8 % December 31, 2020 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 342,744 85.0 % $ 633,806 88.6 % $ 2,729 70.2 % $ 11,188 79.3 % $ 990,467 87.2 % 1 to 29 days past due 32,615 8.1 % 50,145 7.0 % 864 22.2 % 1,718 12.2 % 85,342 7.5 % Delinquent accounts 30 to 59 days 8,195 2.1 % 9,808 1.4 % 49 1.2 % 329 2.3 % 18,381 1.6 % 60 to 89 days 6,907 1.7 % 7,639 1.1 % 119 3.1 % 290 2.1 % 14,955 1.3 % 90 to 119 days 4,866 1.2 % 5,407 0.8 % 29 0.7 % 194 1.4 % 10,496 0.9 % 120 to 149 days 4,193 1.0 % 4,648 0.6 % 37 1.0 % 207 1.5 % 9,085 0.8 % 150 to 179 days 3,542 0.9 % 3,757 0.5 % 62 1.6 % 172 1.2 % 7,533 0.7 % Total delinquency $ 27,703 6.9 % $ 31,259 4.4 % $ 296 7.6 % $ 1,192 8.5 % $ 60,450 5.3 % Total net finance receivables $ 403,062 100.0 % $ 715,210 100.0 % $ 3,889 100.0 % $ 14,098 100.0 % $ 1,136,259 100.0 % Net finance receivables in nonaccrual status $ 14,617 3.6 % $ 16,683 2.3 % $ 216 5.6 % $ 723 5.1 % $ 32,239 2.8 % The accrual of interest income on finance receivables is suspended when an account becomes 90 days delinquent. If a loan is charged off, the accrued interest is reversed as a reduction of interest and fee income. The Company reversed $4.8 million and $6.2 million of accrued interest as reductions of interest and fee income for the six months ended June 30, 2021 and 2020, respectively. The following table illustrates the impacts to the allowance for credit losses for the periods indicated: Three Months Ended (Unaudited) In thousands June 30, 2021 June 30, 2020 Beginning balance $ 139,600 $ 142,400 COVID-19 reserve build (release) (6,300 ) 9,500 Other 6,100 (9,900 ) Ending balance $ 139,400 $ 142,000 Allowance for credit losses as a percentage of net finance receivables 11.8 % 13.9 % Six Months Ended (Unaudited) In thousands June 30, 2021 June 30, 2020 Beginning balance $ 150,000 $ 62,200 Impact of CECL adoption — 60,100 COVID-19 reserve build (release) (12,900 ) 33,400 Other 2,300 (13,700 ) Ending balance $ 139,400 $ 142,000 Allowance for credit losses as a percentage of net finance receivables 11.8 % 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. During the three months ended June 30, 2021 and 2020, the allowance for credit losses included a net build of $6.1 million related to portfolio growth and a base reserve release of $9.9 million related to portfolio liquidation, respectively. The allowance for credit losses included a net build of $2.3 million related to portfolio growth and a base reserve release of $13.7 million related to portfolio liquidation during the six months ended June 30, 2021 and 2020, respectively. In March 2020, the spread of COVID-19 was declared a pandemic by the World Health Organization. Subsequently, the pandemic was declared a national emergency in the United States and several government stimulus programs were signed into law which provided a variety of financial aid to a meaningful portion of the Company’s customer base. As of June 30, 2021, the allowance for credit losses included $17.5 million of reserves related to the economic impact of COVID-19. The Company ran several macroeconomic stress scenarios, and its final forecast assumes unemployment of under 8% at the end of 2021. The macroeconomic scenario was adjusted for the potential benefits of the American Rescue Plan Act signed into law in March 2021. 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, 2021 $ 53,673 $ 83,345 $ 604 $ 1,978 $ 139,600 Provision for credit losses 8,208 12,340 (76 ) 77 20,549 Credit losses (10,754 ) (10,612 ) (92 ) (350 ) (21,808 ) Recoveries 451 576 19 13 1,059 Ending balance at June 30, 2021 $ 51,578 $ 85,649 $ 455 $ 1,718 $ 139,400 Net finance receivables at June 30, 2021 $ 380,780 $ 789,743 $ 2,303 $ 10,561 $ 1,183,387 Allowance as percentage of net finance receivables at June 30, 2021 13.5 % 10.8 % 19.8 % 16.3 % 11.8 % 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 January 1, 2021 $ 59,410 $ 87,275 $ 783 $ 2,532 $ 150,000 Provision for credit losses 12,969 19,183 (191 ) (50 ) 31,911 Credit losses (21,728 ) (21,872 ) (172 ) (806 ) (44,578 ) Recoveries 927 1,063 35 42 2,067 Ending balance at June 30, 2021 $ 51,578 $ 85,649 $ 455 $ 1,718 $ 139,400 Net finance receivables at June 30, 2021 $ 380,780 $ 789,743 $ 2,303 $ 10,561 $ 1,183,387 Allowance as percentage of net finance receivables at June 30, 2021 13.5 % 10.8 % 19.8 % 16.3 % 11.8 % 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 % The Company makes modifications to its finance receivables to assist borrowers experiencing financial difficulties. The Company classifies a loan as a TDR finance receivable when the Company modifies a loan’s contractual terms for economic or other reasons related to the borrower’s financial difficulties and grants a concession that it would not otherwise consider. The amount of TDR net finance receivables and the related TDR allowance for credit losses for the periods indicated are as follows: June 30, 2021 June 30, 2020 In thousands TDR Net Finance Receivables TDR Allowance for Credit Losses TDR Net Finance Receivables TDR Allowance for Credit Losses Small loans $ 3,844 $ 1,576 $ 7,162 $ 2,883 Large loans 13,441 4,278 17,825 6,085 Automobile loans 224 88 402 179 Retail loans 67 27 85 38 Total $ 17,576 $ 5,969 $ 25,474 $ 9,185 The following tables provide the number and amount of net finance receivables modified and classified as TDRs during the periods presented: Three Months Ended June 30, 2021 June 30, 2020 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Small loans 581 $ 1,085 888 $ 2,796 Large loans 462 2,390 476 1,542 Automobile loans — — — — Retail loans 3 4 4 12 Total 1,046 $ 3,479 1,368 $ 4,350 Six Months Ended June 30, 2021 June 30, 2020 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Small loans 1,368 $ 2,540 2,689 $ 8,171 Large loans 1,083 5,508 1,753 5,461 Automobile loans 2 13 1 3 Retail loans 5 8 20 77 Total 2,458 $ 8,069 4,463 $ 13,712 (1) Represents the post-modification net finance receivables balance of loans that have been modified during the period and resulted in a TDR. The following tables provide the number of accounts and balance of finance receivables that subsequently defaulted within the periods indicated (that were modified as a TDR in the preceding 12 months). The Company defines payment default as 90 days past due for this disclosure. The respective amounts and activity for the periods indicated are as follows: Three Months Ended June 30, 2021 June 30, 2020 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Small loans 140 $ 267 365 $ 638 Large loans 111 579 256 1,301 Automobile loans — — — — Retail loans 1 1 7 12 Total 252 $ 847 628 $ 1,951 Six Months Ended June 30, 2021 June 30, 2020 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Small loans 406 $ 724 1,164 $ 2,056 Large loans 270 1,372 694 3,506 Automobile loans 1 10 — — Retail loans 3 5 28 51 Total 680 $ 2,111 1,886 $ 5,613 (1) Only includes defaults occurring within 12 months of a loan being designated as a TDR. Represents the corresponding balance of TDR net finance receivables at the end of the month in which they defaulted.

Interest Rate Caps

Interest Rate Caps	6 Months Ended
	Jun. 30, 2021
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 $450.0 million. Each contract contains a strike rate against the one-month LIBOR (0.10% and 0.14% as of June 30, 2021 and December 31, 2020, respectively). When the one-month LIBOR exceeds the strike rate, the counterparty reimburses the Company for the excess over the strike rate. No payment is required by the Company or the counterparty when the one-month LIBOR is below the strike rate. The following is a summary of the Company’s interest rate caps as of June 30, 2021: Notional Amount Execution Date Maturity Date Strike Rate (in thousands) 03/2020 03/2023 1.75 % $ 100,000 08/2020 08/2023 0.50 % 50,000 09/2020 10/2023 0.50 % 100,000 11/2020 11/2023 0.25 % 50,000 02/2021 02/2024 0.25 % 50,000 03/2021 03/2024 0.25 % 50,000 06/2021 06/2024 0.25 % 50,000 Total notional amount $ 450,000 The following is a summary of changes in fair value of the interest rate caps (included in other assets) for the periods indicated: Three Months Ended Six Months Ended June 30, June 30, In thousands 2021 2020 2021 2020 Balance at beginning of period $ 1,652 $ 85 $ 265 $ — Purchases 385 — 987 114 Fair value adjustment included as an (increase) decrease in interest expense (10 ) (33 ) 775 (62 ) Balance at end of period $ 2,027 $ 52 $ 2,027 $ 52

Debt

Debt	6 Months Ended
	Jun. 30, 2021
Debt Disclosure [Abstract]
Debt	Note 5. Debt The following is a summary of the Company’s debt as of the periods indicated: June 30, 2021 December 31, 2020 In thousands Debt Unamortized Debt Issuance Costs Net Debt Debt Unamortized Debt Issuance Costs Net Debt Senior revolving credit facility $ 144,531 $ (1,229 ) $ 143,302 $ 286,113 $ (1,687 ) $ 284,426 RMR II revolving warehouse credit facility 44,444 (1,701 ) 42,743 42,061 (1,486 ) 40,575 RMR IV revolving warehouse credit facility 67,407 (643 ) 66,764 — — — RMR V revolving warehouse credit facility 37,383 (628 ) 36,755 — — — RMIT 2018-2 securitization — — — 130,349 — 130,349 RMIT 2019-1 securitization 130,172 (834 ) 129,338 130,172 (1,216 ) 128,956 RMIT 2020-1 securitization 180,214 (1,854 ) 178,360 180,214 (2,272 ) 177,942 RMIT 2021-1 securitization 248,916 (2,467 ) 246,449 — — — Total $ 853,067 $ (9,356 ) $ 843,711 $ 768,909 $ (6,661 ) $ 762,248 Unused amount of revolving credit facilities (subject to borrowing base) $ 647,362 $ 438,082 Senior Revolving Credit Facility: In September 2019, the Company amended and restated its senior revolving credit facility to, among other things, extend the maturity of the facility from June 2020 September 2022 facility and held $6.1 million in unrestricted cash. Borrowings under the facility bear interest, payable monthly, at rates equal to one-month LIBOR, with a LIBOR floor of 1.00% , plus a 3.00% margin, increasing to 3.25% when the availability percentage is below 10%. The one-month LIBOR rate was 0.10% and 0.14% at June 30, 2021 and December 31, 2020 , respectively. The amended and restated facility provides for a process to transition from LIBOR to a new benchmark in certain circumstances. The Company pays an unused line fee between 0.375% and 0.65% based upon the average outstanding balance of the facility . Variable Interest Entity Debt: As part of its overall funding strategy, the Company has transferred certain finance receivables to affiliated VIEs for asset-backed financing transactions, including securitizations. The debt arrangements described below are issued by the Company’s wholly-owned, bankruptcy-remote SPEs, which 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 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. These 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 $77.4 million and $46.6 million as of June 30, 2021 and December 31, 2020, 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. 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. RMR II Revolving Warehouse Credit Facility: In April 2021, the Company and its wholly-owned SPE, Regional Management Receivables II, LLC (“ RMR II ”), amended and restated the credit agreement that provides for a revolving warehouse credit facility to RMR II to, among other things, extend the date at which the facility converts to an amortizing loan and the termination date to March 2023 and March 2024, respectively, decrease the total facility from $125 million to $75 million, increase the cap on facility advances from 80% to 83% of eligible finance receivables, and increase the rate at which borrowings under the facility bear interest, payable monthly, at a blended rate equal to three-month LIBOR, with a LIBOR floor of 0.25%, plus a margin of 2.35% (2.15% prior to the April 2021 amendment). The debt is secured by finance receivables and other related assets that the Company purchased from its affiliates, which the Company then sold and transferred to RMR II. RMR II held $0.6 million in restricted cash reserves as of June 30, 2021 to satisfy provisions of the credit agreement. The three-month LIBOR was 0.15% and 0.24% at June 30, 2021 and December 31, 2020, respectively. RMR II pays an unused commitment fee between 0.35% and 0.85% based upon the average daily utilization of the facility. The RMR II revolving warehouse credit facility provides for a process to transition from LIBOR to a new benchmark in certain circumstances. RMR IV Revolving Warehouse Credit Facility: In April 2021, the Company and its wholly-owned SPE, Regional Management Receivables IV, LLC (“ RMR IV ”), entered into a credit agreement that provides for a $125 million revolving warehouse credit facility to RMR IV. The facility converts to an amortizing loan in April 2023 and terminates in April 2024. The debt is secured by finance receivables and other related assets that the Company purchased from its affiliates, which the Company then sold and transferred to RMR IV. Advances on the facility are capped at 81% of eligible finance receivables. RMR IV held $0.8 million in restricted cash reserves as of June 30, 2021 to satisfy provisions of the credit agreement. Borrowings under the facility bear interest, payable monthly, at a blended rate equal to one-month LIBOR, plus a margin of 2.35%. The one-month LIBOR was 0.10% at June 30, 2021. RMR IV pays an unused commitment fee between 0.35% and 0.70% based upon the average daily utilization of the facility. The RMR IV revolving warehouse credit facility provides for a process to transition from LIBOR to a new benchmark in certain circumstances. RMR V Revolving Warehouse Credit Facility: In April 2021, the Company and its wholly-owned SPE, Regional Management Receivables V, LLC (“ RMR V ”), entered into a credit agreement that provides for a $100 million revolving warehouse credit facility to RMR V. The facility converts to an amortizing loan in October 2022 and terminates in October 2023. The debt is secured by finance receivables and other related assets that the Company purchased from its affiliates, which the Company then sold and transferred to RMR V. Advances on the facility are capped at 80% of eligible finance receivables. RMR V held $0.5 million in restricted cash reserves as of June 30, 2021 to satisfy provisions of the credit agreement. Borrowings under the facility bear interest, payable monthly, at a per annum rate, which in the case of a conduit lender is the commercial paper rate, plus a margin of 2.20%. The commercial paper rate was 0.15% at June 30, 2021. RMR V pays an unused commitment fee between 0.45% and 0.75% based upon the average daily utilization of the facility RMIT 2019-1 Securitization: In October 2019, the Company, its wholly-owned SPE, Regional Management Receivables III (“ RMR III ”), and the Company’s indirect wholly-owned SPE, Regional Management Issuance Trust 2019-1 (“ RMIT 2019-1 ”), completed a private offering and sale of $130 million of asset-backed notes. The transaction consisted of the issuance of three classes of fixed-rate asset-backed notes by RMIT 2019-1. The asset-backed notes are secured by finance receivables and other related assets that RMR III purchased from the Company, which RMR III then sold and transferred to RMIT 2019-1. The notes have a revolving period ending in October 2021, with a final maturity date in November 2028. RMIT 2019-1 held $1.4 million in restricted cash reserves as of June 30, 2021 to satisfy provisions of the transaction documents. Borrowings under the RMIT 2019-1 securitization bear interest, payable monthly, at a weighted-average rate of 3.17%. 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. RMIT 2020-1 Securitization: In September 2020, the Company, its wholly-owned SPE, RMR III, and the Company’s indirect wholly-owned SPE, Regional Management Issuance Trust 2020-1 (“ RMIT 2020-1 ”), completed a private offering and sale of $180 million of asset-backed notes. The transaction consisted of the issuance of four classes of fixed-rate asset-backed notes by RMIT 2020-1. The asset-backed notes are secured by finance receivables and other related assets that RMR III purchased from the Company, which RMR III then sold and transferred to RMIT 2020-1. The notes have a revolving period ending in September 2023, with a final maturity date in October 2030. RMIT 2020-1 held $1.9 million in restricted cash reserves as of June 30, 2021 to satisfy provisions of the transaction documents. Borrowings under the RMIT 2020-1 securitization bear interest, payable monthly, at a weighted-average rate of 2.85%. Prior to maturity in October 2030, 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 October 2023. No payments of principal of the notes will be made during the revolving period. RMIT 2021-1 Securitization: In February 2021, the Company, its wholly-owned SPE, RMR III, and the Company’s indirect wholly-owned SPE, Regional Management Issuance Trust 2021-1 (“ RMIT 2021-1 ”), completed a private offering and sale of $249 million of asset-backed notes. The transaction consisted of the issuance of four classes of fixed-rate asset-backed notes by RMIT 2021-1. The asset-backed notes are secured by finance receivables and other related assets that RMR III purchased from the Company, which RMR III then sold and transferred to RMIT 2021-1. The notes have a revolving period ending in February 2024, with a final maturity date in March 2031. RMIT 2021-1 held $2.6 million in restricted cash reserves as of June 30, 2021 to satisfy provisions of the transaction documents. Borrowings under the RMIT 2021-1 securitization bear interest, payable monthly, at a weighted-average rate of 2.08%. Prior to maturity in March 2031, 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 March 2024. No payments of principal of the notes will be made during the revolving period. See Note 12, “Subsequent Events” for information regarding the completion of a private offering and sale of $200 million of asset-backed notes following the end of the quarter. The carrying amounts of consolidated VIE assets and liabilities are as follows: In thousands June 30, 2021 December 31, 2020 Assets Cash $ 189 $ 236 Net finance receivables 714,401 483,674 Allowance for credit losses (80,622 ) (59,046 ) Restricted cash 85,231 51,849 Other assets 7 5 Total assets $ 719,206 $ 476,718 Liabilities Net debt $ 700,409 $ 477,822 Accounts payable and accrued expenses 138 87 Total liabilities $ 700,547 $ 477,909 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, and certain other restrictions. At June 30, 2021, the Company was in compliance with all debt covenants.

Stockholders' Equity

Stockholders' Equity	6 Months Ended
	Jun. 30, 2021
Stockholders Equity Note [Abstract]
Stockholders' Equity	Note 6. Stockholders’ Equity Stock repurchase program: In October 2020, the Company announced that its Board of Directors (the “ Board ”) had authorized a stock repurchase program allowing for the repurchase of up to $30.0 million of the Company’s outstanding shares of common stock in open market purchases, privately negotiated transactions, or through other structures in accordance with applicable federal securities laws. The authorization was effective immediately and extended through October 22, 2022. In May 2021, the Company completed its $30.0 million stock repurchase program. The Company repurchased a total of 952 thousand shares of common stock pursuant to the program. In May 2021, the Company announced that its Board had authorized a new stock repurchase program, allowing for the repurchase of up to $30.0 million of the Company’s outstanding shares of common stock in open market purchases, privately negotiated transactions, or through other structures in accordance with applicable federal securities laws. The authorization was effective immediately and extends through April 29, 2023. During the three months ended June 30, 2021, the Company repurchased 509 thousand shares of common stock at a total cost of $22.2 million. During the six months ended June 30, 2021, the Company repurchased 861 thousand shares of common stock at a total cost of $34.0 million. Quarterly cash dividend: The Board may in its discretion declare and pay cash dividends on the Company’s common stock . Total dividends declared and paid were $0.25 per common share during the three months ended June 30, 2021. During the six months ended June 30, 2021, total dividends declared and paid were $0.45 per common share. No dividends were declared or paid during the three and six months ended June 30, 2020. See Note 12, “Subsequent Events,” for information regarding the Company’s stock repurchase program and quarterly cash dividend following the end of the fiscal quarter.

Disclosure About Fair Value of

Disclosure About Fair Value of Financial Instruments	6 Months Ended
	Jun. 30, 2021
Fair Value Disclosures [Abstract]
Disclosure About Fair Value of Financial Instruments	Note 7. 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: Cash and restricted cash is recorded at cost, which approximates fair value due to its generally short maturity and highly liquid nature. Net finance receivables: The Company determines the fair value of net finance receivables using a discounted cash flows methodology. The application of this methodology 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: The fair value of the interest rate caps is the estimated amount the Company would receive to terminate the cap agreements at the reporting date, taking into account current interest rates and the creditworthiness of the counterparty. Debt: The Company estimates the fair value of 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. Certain of the Company’s assets carried at fair value are classified and disclosed in one of the following three categories: Level 1 – Quoted market prices in active markets for identical assets or liabilities. Level 2 – Observable market-based inputs or unobservable inputs that are corroborated by market data. Level 3 – Unobservable inputs that are not corroborated by market data. In determining the appropriate levels, the Company performs an analysis of the assets and liabilities that are carried at fair value. At each reporting period, all assets and liabilities for which the fair value measurement is based on significant unobservable inputs are classified as Level 3. The carrying amount and estimated fair values of the Company’s financial instruments summarized by level are as follows: June 30, 2021 December 31, 2020 In thousands Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Assets Level 1 inputs Cash $ 6,086 $ 6,086 $ 8,052 $ 8,052 Restricted cash 99,920 99,920 63,824 63,824 Level 2 inputs Interest rate caps 2,027 2,027 265 265 Level 3 inputs Net finance receivables, less unearned insurance premiums and allowance for credit losses 1,004,518 1,091,069 951,714 1,032,558 Liabilities Level 3 inputs Debt 853,067 845,674 768,909 767,185

Income Taxes

Income Taxes	6 Months Ended
	Jun. 30, 2021
Income Tax Disclosure [Abstract]
Income Taxes	Note 8. Income Taxes The Company records interim provisions for income taxes based on an estimated annual effective tax rate. The Company recognizes discrete tax benefits or deficiencies in the income tax line of the consolidated statements of income. These discrete benefits or deficiencies are primarily the result of exercises or vestings of share-based awards. The following tables summarize the components of income taxes for the periods indicated: Three Months Ended June 30, In thousands 2021 2020 Provision for corporate taxes $ 6,234 $ 4,139 Discrete tax (benefits) deficiencies (1,463 ) 80 Total income taxes $ 4,771 $ 4,219 Six Months Ended June 30, In thousands 2021 2020 Provision for corporate taxes $ 14,582 $ 562 Discrete tax (benefits) deficiencies (1,942 ) 132 Total income taxes $ 12,640 $ 694

Earnings Per Share

Earnings Per Share	6 Months Ended
	Jun. 30, 2021
Earnings Per Share [Abstract]
Earnings Per Share	Note 9. Earnings Per Share The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated: Three Months Ended June 30, Six Months Ended June 30, In thousands, except per share amounts 2021 2020 2021 2020 Numerator: Net income $ 20,166 $ 7,470 $ 45,688 $ 1,145 Denominator: Weighted-average shares outstanding for basic earnings per share 10,200 10,962 10,371 10,929 Effect of dilutive securities 597 51 560 201 Weighted-average shares adjusted for dilutive securities 10,797 11,013 10,931 11,130 Earnings per share: Basic $ 1.98 $ 0.68 $ 4.41 $ 0.10 Diluted $ 1.87 $ 0.68 $ 4.18 $ 0.10 Options to purchase 18 thousand and 1.0 million shares of common stock were outstanding during the three and six months ended June 30, 2021 and 2020, 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, 2021
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract]
Share-Based Compensation	Note 10. Share-Based Compensation The Company previously adopted the 2007 Management Incentive Plan (the “ 2007 Plan 2011 Plan 2015 Plan For the three months ended June 30, 2021 and 2020, the Company recorded share-based compensation expense of $1.9 million and $1.1 million, respectively. The Company recorded $3.4 million and $2.5 million in share-based compensation for the six months ended June 30, 2021 and 2020, respectively. As of June 30, 2021, unrecognized share-based compensation expense to be recognized over future periods approximated $11.7 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: The Company issues non-qualified stock options, performance-contingent restricted stock units (“ RSUs ”), cash-settled performance units (“ CSPUs ”), and restricted stock awards (“ RSAs ”) to certain members of senior management under a long-term incentive program (“ LTIP ”). The CSPUs are cash incentive awards, and the associated expense is not based on the market price of the Company’s common stock. Recurring annual grants are made at the discretion of the Board. The annual grants are subject to cliff- and graded-vesting, generally concluding at the end of the third calendar year and subject to continued employment or as otherwise provided in the underlying award agreements. The actual value of the RSUs and CSPUs that may be earned can range from 0 % to 150 % of target based on the percentile ranking of the Company’s compound annual growth rate of net income and net income per share (for 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 and 2021 LTIP ), in each case compared to a public company peer group over a three-year performance period. Key team member incentive program: The Company also has a key team member incentive program for certain other members of senior management. Recurring annual participation in the program is at the discretion of the Board and executive management. Each participant in the program is eligible to earn an RSA, subject to performance over a one-year period. Payout under the program can range from 0% to 150% of target based on the achievement of five Company performance metrics and individual performance goals (subject to continued employment and certain other terms and conditions of the program). If earned, the RSA is issued following the one-year two-year Inducement and retention program: From time to time, the Company issues stock awards and other long-term incentive awards in conjunction with employment offers to select new employees and retention grants to select existing employees. The Company issues these awards to attract and retain talent and to provide market competitive compensation. The grants have various vesting terms, including fully-vested awards at the grant date, cliff-vesting, and graded-vesting over periods of up to five years (subject to continued employment or as otherwise provided in the underlying award agreements). Non-employee director compensation program: 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 (so long as the period between the date of the annual stockholders’ meeting related to the grant date and the date of the next annual stockholders’ meeting is not less than 50 weeks). The following are the terms and amounts of the awards issued under the Company’s share-based incentive programs: Non-qualified stock options: The exercise price of all stock options is equal to the Company’s closing stock price on the date of grant. Stock options are subject to various vesting terms, including graded- and cliff-vesting over periods of up to five years. 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 ten years 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, 2021 2020 Expected volatility 47.83 % 44.88 % Expected dividends 2.63 % 0.00 % Expected term (in years) 6.0 6.0 Risk-free rate 0.64 % 0.71 % Expected volatility is based on the Company’s historical stock price volatility. Expected dividends are calculated using the expected dividend yield (annualized dividends divided by the grant date stock price). 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, 2021: In thousands, except per share amounts Number of Shares Weighted-Average Exercise Price Per Share Weighted-Average Remaining Contractual Life (Years) Aggregate Intrinsic Value Options outstanding at January 1, 2021 908 $ 19.73 Granted 137 30.44 Exercised (350 ) 20.51 Forfeited — — Expired (3 ) 16.30 Options outstanding at June 30, 2021 692 $ 21.48 6.6 $ 17,345 Options exercisable at June 30, 2021 435 $ 18.89 5.0 $ 12,019 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 2021 2020 2021 2020 Weighted-average grant date fair value per share $ — $ — $ 10.52 $ 7.58 Intrinsic value of options exercised $ 4,531 $ — $ 7,392 $ 219 Fair value of stock options that vested $ — $ — $ — $ 353 Performance-contingent restricted stock units: Compensation expense for RSUs is based on the Company’s closing stock price on the date of grant and the probability that certain financial goals will be achieved over the performance period. Compensation expense is estimated based on expected performance and is adjusted at each reporting period. The following table summarizes RSU activity during the six months ended June 30, 2021: In thousands, except per unit amounts Units Weighted-Average Grant Date Fair Value Per Unit Non-vested units at January 1, 2021 124 $ 21.89 Granted (target) 45 30.22 Achieved performance adjustment (1) 2 28.25 Vested (42 ) 28.25 Forfeited — — Non-vested units at June 30, 2021 129 $ 22.84 (1) The 2018 LTIP RSUs were earned and vested at 105.6% of target, as described in greater detail in the Company’s definitive proxy statement filed with the SEC on April 16, 2021. The following table provides additional RSU information for the periods indicated: Three Months Ended June 30, Six Months Ended June 30, In thousands, except per unit amounts 2021 2020 2021 2020 Weighted-average grant date fair value per unit $ — $ 15.86 $ 30.22 $ 15.86 Fair value of RSUs that vested $ — $ — $ 1,199 $ 1,314 Restricted stock awards: The fair value and compensation expense of the primary portion of the Company’s RSAs are calculated using the Company’s closing stock price on the date of grant. These RSAs include director awards, inducement awards, and RSAs granted pursuant to the Company’s long-term incentive program. The fair value and compensation expense of RSAs granted pursuant to the Company’s performance-based key team member incentive program are calculated using the Company’s closing stock price on the date of grant and the probability that certain financial goals will be achieved over the performance period. Compensation expense is estimated based on expected performance and is adjusted at each reporting period. The following table summarizes RSA activity during the six months ended June 30, 2021: In thousands, except per share amounts Shares Weighted-Average Grant Date Fair Value Per Share Non-vested shares at January 1, 2021 266 $ 19.34 Granted 153 30.33 Vested (65 ) 16.31 Forfeited (2 ) 22.82 Non-vested shares at June 30, 2021 352 $ 24.66 The following table provides additional RSA information for the periods indicated: Three Months Ended June 30, Six Months Ended June 30, In thousands, except per share amounts 2021 2020 2021 2020 Weighted-average grant date fair value per share $ 46.55 $ 15.58 $ 30.33 $ 19.39 Fair value of RSAs that vested $ 1,012 $ 819 $ 1,052 $ 1,121

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
	Jun. 30, 2021
Commitments And Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 11. 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.

Subsequent Events

Subsequent Events	6 Months Ended
	Jun. 30, 2021
Subsequent Events [Abstract]
Subsequent Events	Note 12. Subsequent Events RMIT 2021-2 securitization: In July 2021, the Company, its wholly-owned SPE, RMR III, and its indirect wholly-owned SPE, Regional Management Issuance Trust 2021-2 (“ RMIT 2021-2 ”), completed a private offering and sale of $200.0 million of asset-backed notes. The transaction consisted of the issuance of four classes of fixed-rate asset-backed notes by RMIT 2021-2. The asset-backed notes are secured by finance receivables and other related assets that RMR III purchased from the Company, which RMR III then sold and transferred to RMIT 2021-2. The notes have a revolving period ending in July 2026, with a final maturity date in August 2033. Borrowings under the RMIT 2021-2 securitization bear interest, payable monthly, at a weighted-average rate of 2.30%. Prior to maturity in August 2033, 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 August 2026. No payments of principal of the notes will be made during the revolving period. Quarterly cash dividend: In August 2021, the Company announced that the Board declared a quarterly cash dividend of $0.25 per share. The dividend will be paid on September 15, 2021 to shareholders of record at the close of business on August 25, 2021. The declaration, amount, and payment of any future cash dividends on shares of the Company’s common stock will be at the discretion of the Board. Increase in stock repurchase program: In August 2021, the Company announced that the Board had approved a $20 million increase in the amount authorized under the stock repurchase program announced in May 2021, from $30 million to $50 million. The authorization was effective immediately and extends through July 29, 2023. Stock repurchases under the stock repurchase program may be made in the open market at prevailing market prices, through privately negotiated transactions, or through other structures in accordance with applicable federal securities laws, at times and in amounts as management deems appropriate. The timing and the amount of any common stock repurchases will be determined by the Company’s management based on its evaluation of market conditions, the Company’s liquidity needs, legal and contractual requirements and restrictions (including covenants in the Company’s credit agreements), share price, and other factors. Repurchases of common stock may be made under a Rule 10b5-1 plan, which would permit common stock to be repurchased when the Company might otherwise be precluded from doing so under insider trading laws. The repurchase program does not obligate the Company to purchase any particular number of shares and may be suspended, modified, or discontinued at any time without prior notice. The Company intends to fund the program with a combination of cash and debt.

Basis of Presentation and Sig_2

Basis of Presentation and Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2021
Accounting Policies [Abstract]
Basis of presentation	Basis of presentation: The consolidated financial statements of the Company have been prepared in accordance with the instructions to the Quarterly Report on Form 10-Q adopted by the Securities and Exchange Commission (the “ SEC ”) and generally accepted accounting principles in the United States of America (“ GAAP ”) for interim financial information and, accordingly, do not include all information and note disclosures required by GAAP for complete financial statements. The interim financial statements in this Quarterly Report on Form 10-Q have not been audited by an independent registered public accounting firm in accordance with standards of the Public Company Accounting Oversight Board (United States), but in the opinion of management, the interim financial statements include all adjustments, consisting only of normal recurring adjustments, necessary for a fair presentation of the Company’s financial position, results of operations, and cash flows in accordance with GAAP. These consolidated financial statements should be read in conjunction with the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2020, as filed with the SEC.
Significant accounting policies	Significant accounting policies: The following is a description of significant accounting policies used in preparing the financial statements. The accounting and reporting policies of the Company are in accordance with GAAP and conform to general practices within the consumer finance industry.
Principles of consolidation	Principles of consolidation: The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. All significant intercompany balances and transactions have been eliminated in consolidation. The Company operates through a separate wholly-owned subsidiary in each state. The Company also consolidates variable interest entities (each, a “ VIE ”) when it is considered to be the primary beneficiary of the VIE because it has (i) power over the significant activities of the VIE and (ii) the obligation to absorb losses or the right to receive returns that could be significant to the VIE.
Variable interest entities	Variable interest entities: The Company transfers pools of loans to wholly-owned, bankruptcy-remote, special purpose entities (each, an “ SPE ”) to secure debt for general funding purposes. These entities have the limited purpose of acquiring finance receivables and holding and making payments on the related debts. 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. The Company continues to service the finance receivables transferred to the SPEs. The lenders and investors in the debt issued by the SPEs generally only have recourse to the assets of the SPEs and do not have recourse to the general credit of the Company. 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. 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: The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, revenues and expenses, and disclosure of contingent assets and liabilities for the periods indicated in the financial statements. Actual results could differ from those 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, and the fair value of financial instruments.
Reclassifications	Reclassifications: Certain prior-period amounts have been reclassified to conform to the current presentation. Such reclassifications had no impact on previously reported net income or stockholders’ equity.
Net finance receivables	Net finance receivables: The Company’s small loan portfolio is comprised of branch small loan receivables and convenience check receivables. Branch small loan receivables are direct loans to customers and are secured by non-essential household goods and, in some instances, an automobile. Convenience checks are direct loans originated by mailing checks to customers based on a pre-screening process that includes a review of the prospective customer’s credit profile provided by national credit reporting bureaus or data aggregators. A recipient of a convenience check is able to enter into a loan by endorsing and depositing or cashing the check. Large loan receivables are direct loans to customers, some of which are convenience check receivables and the vast majority of which are secured by non-essential household goods, automobiles, and/or other vehicles. Retail loan receivables consist principally of retail installment sales contracts collateralized by the purchased furniture, appliances, and other retail items and are initiated by and purchased from retailers, subject to the Company’s credit approval. Automobile loan receivables consist of direct automobile purchase loans, which were originated at the dealership and closed in one of the Company’s branches, and indirect automobile purchase loans, which were originated and closed at a dealership in the Company’s network without the need for the customer to visit one of the Company’s branches. In each case, these automobile loans are collateralized primarily by the purchased automobiles and, in the case of indirect loans, were initiated by and purchased from automobile dealerships, subject to the Company’s credit approval. The Company ceased originating automobile purchase loans in November 2017.
Allowance for credit losses	Allowance for credit losses: The Financial Accounting Standards Board (the “ FASB ”) issued an accounting update in June 2016 to change the impairment model for estimating credit losses on financial assets. The previous incurred loss impairment model required the recognition of credit losses when it was probable that a loss had been incurred. The incurred loss model was replaced by the CECL model, which requires entities to estimate the lifetime expected credit loss on financial instruments and to record an allowance to offset the amortized cost basis of the financial asset. The CECL model requires earlier recognition of credit losses as compared to the incurred loss approach. The Company adopted this standard effective January 1, 2020. 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 loan 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 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 life of the finance receivables (considering the effect of prepayments) . Subsequent changes to the contractual terms that are a result of re-underwriting are not included in the finance receivable’s contractual life (considering the effect of prepayments) . The Company uses its segmentation loss experience to forecast expected credit losses. Historical information about losses generally provides a basis for the estimate of expected credit losses. The Company also considers the need to adjust historical information to reflect the extent to which current conditions differ from the conditions that existed for the period over which historical information was evaluated. These adjustments to historical loss information may be qualitative or quantitative in nature. 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 for these expectations. The Company does not require reversion adjustments, as the contractual lives of its portfolio (considering the effect of prepayments) are shorter than its available forecast periods. The Company charges credit losses against the allowance when an account reaches 180 days contractually delinquent, subject to certain exceptions. The Company’s non-titled customer accounts in a confirmed bankruptcy are charged off in the month following the bankruptcy notification or at 60 days contractually delinquent, subject to certain exceptions. Deceased borrower accounts are charged off in the month following the proper notification of passing, with the exception of borrowers with credit life insurance. Subsequent recoveries of amounts charged off, if any, are credited to the allowance.
Troubled debt restructurings	Troubled Debt Restructurings: The Company classifies a finance receivable as a troubled debt restructuring (each, a “ TDR ”) when the Company modifies the finance receivable’s contractual terms for economic or other reasons related to the borrower’s financial difficulties and grants a concession that it would not otherwise consider (including Chapter 13 bankruptcies and delinquent renewals). Modifications primarily include an interest rate reduction and/or term extension to reduce the borrower’s monthly payment. Once a loan is classified as a TDR, it remains a TDR for the purpose of calculating the allowance for credit losses for the remainder of its contractual term. The Company establishes its allowance for credit losses related to its TDRs by calculating the present value of all expected cash flows (discounted at the finance receivable’s effective interest rate prior to modification) less the amortized costs of the aggregated pool. The Company uses the modified interest rates and certain assumptions, including expected credit losses and recoveries, to estimate the expected cash flows from its TDRs.
Nonaccrual status	Nonaccrual status: Accrual of interest income on finance receivables is suspended when an account becomes 90 days delinquent. If the account is charged off, the accrued interest income is reversed as a reduction of interest and fee income. Interest received on such loans is accounted for on the cash-basis method, until qualifying for return to accrual. Under the cash-basis method, interest income is recorded when the payment is received. Loans resume accruing interest when the past due status is brought below 90 days. The Company made a policy election to not record an allowance for credit losses related to accrued interest because it has nonaccrual and charge-off policies that result in the timely suspension and reversal of accrued interest.

Finance Receivables, Credit Q_2

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses (Tables)	6 Months Ended
	Jun. 30, 2021
Receivables [Abstract]
Summary of Net Finance Receivables	Net finance receivables for the periods indicated consisted of the following: In thousands June 30, 2021 December 31, 2020 Small loans $ 380,780 $ 403,062 Large loans 789,743 715,210 Automobile loans 2,303 3,889 Retail loans 10,561 14,098 Net finance receivables $ 1,183,387 $ 1,136,259
Summary of Financing Receivable Credit Quality Indicators	Net finance receivables by product, FICO band, and origination year as of June 30, 2021 are as follows: Net Finance Receivables by Origination Year In thousands 2021 (1) 2020 2019 2018 2017 Prior Total Net Finance Receivables Small Loans: FICO Band 1 $ 41,916 $ 31,146 $ 6,445 $ 613 $ 80 $ 20 $ 80,220 2 25,323 16,699 2,596 144 15 5 44,782 3 27,385 17,797 2,561 144 8 1 47,896 4 30,105 19,538 2,532 134 10 3 52,322 5 30,236 22,337 2,849 94 4 2 55,522 6 50,026 44,312 5,587 106 5 2 100,038 Total small loans $ 204,991 $ 151,829 $ 22,570 $ 1,235 $ 122 $ 33 $ 380,780 Large Loans: FICO Band 1 $ 22,657 $ 31,578 $ 16,412 $ 4,550 $ 1,690 $ 695 $ 77,582 2 22,998 22,801 8,464 1,301 266 144 55,974 3 53,117 45,436 20,719 3,278 464 71 123,085 4 64,695 57,357 25,739 3,600 498 44 151,933 5 59,254 54,724 23,985 3,800 513 23 142,299 6 101,395 91,853 38,412 6,471 698 41 238,870 Total large loans $ 324,116 $ 303,749 $ 133,731 $ 23,000 $ 4,129 $ 1,018 $ 789,743 Automobile Loans: FICO Band 1 $ — $ — $ — $ — $ 590 $ 362 $ 952 2 — — — — 223 174 397 3 — — — — 366 146 512 4 — — — — 146 56 202 5 — — — — 40 78 118 6 — — — — 77 45 122 Total automobile loans $ — $ — $ — $ — $ 1,442 $ 861 $ 2,303 Retail Loans: FICO Band 1 $ 9 $ 235 $ 445 $ 84 $ 4 $ 4 $ 781 2 15 151 348 57 3 2 576 3 350 564 352 70 6 4 1,346 4 717 1,313 716 198 7 2 2,953 5 623 1,015 619 172 15 1 2,445 6 653 1,059 596 144 5 3 2,460 Total retail loans $ 2,367 $ 4,337 $ 3,076 $ 725 $ 40 $ 16 $ 10,561 Total Loans: FICO Band 1 $ 64,582 $ 62,959 $ 23,302 $ 5,247 $ 2,364 $ 1,081 $ 159,535 2 48,336 39,651 11,408 1,502 507 325 101,729 3 80,852 63,797 23,632 3,492 844 222 172,839 4 95,517 78,208 28,987 3,932 661 105 207,410 5 90,113 78,076 27,453 4,066 572 104 200,384 6 152,074 137,224 44,595 6,721 785 91 341,490 Total loans $ 531,474 $ 459,915 $ 159,377 $ 24,960 $ 5,733 $ 1,928 $ 1,183,387 (1) Includes loans originated during the six months ended June 30, 2021.
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, 2021 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 334,733 87.9 % $ 721,062 91.3 % $ 1,679 73.0 % $ 8,650 81.9 % $ 1,066,124 90.1 % 1 to 29 days past due 27,171 7.1 % 45,613 5.8 % 441 19.1 % 1,245 11.8 % 74,470 6.3 % Delinquent accounts 30 to 59 days 5,800 1.5 % 8,409 1.0 % 61 2.6 % 218 2.0 % 14,488 1.2 % 60 to 89 days 4,079 1.1 % 5,318 0.7 % 32 1.4 % 185 1.8 % 9,614 0.8 % 90 to 119 days 2,705 0.7 % 3,331 0.4 % 18 0.8 % 62 0.6 % 6,116 0.5 % 120 to 149 days 3,017 0.8 % 2,833 0.4 % 31 1.3 % 80 0.8 % 5,961 0.5 % 150 to 179 days 3,275 0.9 % 3,177 0.4 % 41 1.8 % 121 1.1 % 6,614 0.6 % Total delinquency $ 18,876 5.0 % $ 23,068 2.9 % $ 183 7.9 % $ 666 6.3 % $ 42,793 3.6 % Total net finance receivables $ 380,780 100.0 % $ 789,743 100.0 % $ 2,303 100.0 % $ 10,561 100.0 % $ 1,183,387 100.0 % Net finance receivables in nonaccrual status $ 9,660 2.5 % $ 10,608 1.3 % $ 140 6.1 % $ 361 3.4 % $ 20,769 1.8 % December 31, 2020 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 342,744 85.0 % $ 633,806 88.6 % $ 2,729 70.2 % $ 11,188 79.3 % $ 990,467 87.2 % 1 to 29 days past due 32,615 8.1 % 50,145 7.0 % 864 22.2 % 1,718 12.2 % 85,342 7.5 % Delinquent accounts 30 to 59 days 8,195 2.1 % 9,808 1.4 % 49 1.2 % 329 2.3 % 18,381 1.6 % 60 to 89 days 6,907 1.7 % 7,639 1.1 % 119 3.1 % 290 2.1 % 14,955 1.3 % 90 to 119 days 4,866 1.2 % 5,407 0.8 % 29 0.7 % 194 1.4 % 10,496 0.9 % 120 to 149 days 4,193 1.0 % 4,648 0.6 % 37 1.0 % 207 1.5 % 9,085 0.8 % 150 to 179 days 3,542 0.9 % 3,757 0.5 % 62 1.6 % 172 1.2 % 7,533 0.7 % Total delinquency $ 27,703 6.9 % $ 31,259 4.4 % $ 296 7.6 % $ 1,192 8.5 % $ 60,450 5.3 % Total net finance receivables $ 403,062 100.0 % $ 715,210 100.0 % $ 3,889 100.0 % $ 14,098 100.0 % $ 1,136,259 100.0 % Net finance receivables in nonaccrual status $ 14,617 3.6 % $ 16,683 2.3 % $ 216 5.6 % $ 723 5.1 % $ 32,239 2.8 %
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: Three Months Ended (Unaudited) In thousands June 30, 2021 June 30, 2020 Beginning balance $ 139,600 $ 142,400 COVID-19 reserve build (release) (6,300 ) 9,500 Other 6,100 (9,900 ) Ending balance $ 139,400 $ 142,000 Allowance for credit losses as a percentage of net finance receivables 11.8 % 13.9 % Six Months Ended (Unaudited) In thousands June 30, 2021 June 30, 2020 Beginning balance $ 150,000 $ 62,200 Impact of CECL adoption — 60,100 COVID-19 reserve build (release) (12,900 ) 33,400 Other 2,300 (13,700 ) Ending balance $ 139,400 $ 142,000 Allowance for credit losses as a percentage of net finance receivables 11.8 % 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, 2021 $ 53,673 $ 83,345 $ 604 $ 1,978 $ 139,600 Provision for credit losses 8,208 12,340 (76 ) 77 20,549 Credit losses (10,754 ) (10,612 ) (92 ) (350 ) (21,808 ) Recoveries 451 576 19 13 1,059 Ending balance at June 30, 2021 $ 51,578 $ 85,649 $ 455 $ 1,718 $ 139,400 Net finance receivables at June 30, 2021 $ 380,780 $ 789,743 $ 2,303 $ 10,561 $ 1,183,387 Allowance as percentage of net finance receivables at June 30, 2021 13.5 % 10.8 % 19.8 % 16.3 % 11.8 % 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 January 1, 2021 $ 59,410 $ 87,275 $ 783 $ 2,532 $ 150,000 Provision for credit losses 12,969 19,183 (191 ) (50 ) 31,911 Credit losses (21,728 ) (21,872 ) (172 ) (806 ) (44,578 ) Recoveries 927 1,063 35 42 2,067 Ending balance at June 30, 2021 $ 51,578 $ 85,649 $ 455 $ 1,718 $ 139,400 Net finance receivables at June 30, 2021 $ 380,780 $ 789,743 $ 2,303 $ 10,561 $ 1,183,387 Allowance as percentage of net finance receivables at June 30, 2021 13.5 % 10.8 % 19.8 % 16.3 % 11.8 % 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 %
Summary of TDR Net Finance Receivables And TDR Allowance For Credit Losses	The amount of TDR net finance receivables and the related TDR allowance for credit losses for the periods indicated are as follows: June 30, 2021 June 30, 2020 In thousands TDR Net Finance Receivables TDR Allowance for Credit Losses TDR Net Finance Receivables TDR Allowance for Credit Losses Small loans $ 3,844 $ 1,576 $ 7,162 $ 2,883 Large loans 13,441 4,278 17,825 6,085 Automobile loans 224 88 402 179 Retail loans 67 27 85 38 Total $ 17,576 $ 5,969 $ 25,474 $ 9,185
Summary of Net Finance Receivables Modified and Classified as TDRs	The following tables provide the number and amount of net finance receivables modified and classified as TDRs during the periods presented: Three Months Ended June 30, 2021 June 30, 2020 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Small loans 581 $ 1,085 888 $ 2,796 Large loans 462 2,390 476 1,542 Automobile loans — — — — Retail loans 3 4 4 12 Total 1,046 $ 3,479 1,368 $ 4,350 Six Months Ended June 30, 2021 June 30, 2020 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Small loans 1,368 $ 2,540 2,689 $ 8,171 Large loans 1,083 5,508 1,753 5,461 Automobile loans 2 13 1 3 Retail loans 5 8 20 77 Total 2,458 $ 8,069 4,463 $ 13,712 (1) Represents the post-modification net finance receivables balance of loans that have been modified during the period and resulted in a TDR.
Summary of TDR Finance Receivables that Subsequently Defaulted	The following tables provide the number of accounts and balance of finance receivables that subsequently defaulted within the periods indicated (that were modified as a TDR in the preceding 12 months). The Company defines payment default as 90 days past due for this disclosure. The respective amounts and activity for the periods indicated are as follows: Three Months Ended June 30, 2021 June 30, 2020 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Small loans 140 $ 267 365 $ 638 Large loans 111 579 256 1,301 Automobile loans — — — — Retail loans 1 1 7 12 Total 252 $ 847 628 $ 1,951 Six Months Ended June 30, 2021 June 30, 2020 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Small loans 406 $ 724 1,164 $ 2,056 Large loans 270 1,372 694 3,506 Automobile loans 1 10 — — Retail loans 3 5 28 51 Total 680 $ 2,111 1,886 $ 5,613 (1) Only includes defaults occurring within 12 months of a loan being designated as a TDR. Represents the corresponding balance of TDR net finance receivables at the end of the month in which they defaulted.

Interest Rate Caps (Tables)

Interest Rate Caps (Tables)	6 Months Ended
	Jun. 30, 2021
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Summary of Interest Rate Caps	The following is a summary of the Company’s interest rate caps as of June 30, 2021: Notional Amount Execution Date Maturity Date Strike Rate (in thousands) 03/2020 03/2023 1.75 % $ 100,000 08/2020 08/2023 0.50 % 50,000 09/2020 10/2023 0.50 % 100,000 11/2020 11/2023 0.25 % 50,000 02/2021 02/2024 0.25 % 50,000 03/2021 03/2024 0.25 % 50,000 06/2021 06/2024 0.25 % 50,000 Total notional amount $ 450,000
Summary of Changes in Fair Value of Interest Rate Caps	The following is a summary of changes in fair value of the interest rate caps (included in other assets) for the periods indicated: Three Months Ended Six Months Ended June 30, June 30, In thousands 2021 2020 2021 2020 Balance at beginning of period $ 1,652 $ 85 $ 265 $ — Purchases 385 — 987 114 Fair value adjustment included as an (increase) decrease in interest expense (10 ) (33 ) 775 (62 ) Balance at end of period $ 2,027 $ 52 $ 2,027 $ 52

Debt (Tables)

Debt (Tables)	6 Months Ended
	Jun. 30, 2021
Summary of the Company's Debt	The following is a summary of the Company’s debt as of the periods indicated: June 30, 2021 December 31, 2020 In thousands Debt Unamortized Debt Issuance Costs Net Debt Debt Unamortized Debt Issuance Costs Net Debt Senior revolving credit facility $ 144,531 $ (1,229 ) $ 143,302 $ 286,113 $ (1,687 ) $ 284,426 RMR II revolving warehouse credit facility 44,444 (1,701 ) 42,743 42,061 (1,486 ) 40,575 RMR IV revolving warehouse credit facility 67,407 (643 ) 66,764 — — — RMR V revolving warehouse credit facility 37,383 (628 ) 36,755 — — — RMIT 2018-2 securitization — — — 130,349 — 130,349 RMIT 2019-1 securitization 130,172 (834 ) 129,338 130,172 (1,216 ) 128,956 RMIT 2020-1 securitization 180,214 (1,854 ) 178,360 180,214 (2,272 ) 177,942 RMIT 2021-1 securitization 248,916 (2,467 ) 246,449 — — — Total $ 853,067 $ (9,356 ) $ 843,711 $ 768,909 $ (6,661 ) $ 762,248 Unused amount of revolving credit facilities (subject to borrowing base) $ 647,362 $ 438,082
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, 2021 December 31, 2020 Assets Cash $ 189 $ 236 Net finance receivables 714,401 483,674 Allowance for credit losses (80,622 ) (59,046 ) Restricted cash 85,231 51,849 Other assets 7 5 Total assets $ 719,206 $ 476,718 Liabilities Net debt $ 700,409 $ 477,822 Accounts payable and accrued expenses 138 87 Total liabilities $ 700,547 $ 477,909

Disclosure About Fair Value o_2

Disclosure About Fair Value of Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2021
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, 2021 December 31, 2020 In thousands Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Assets Level 1 inputs Cash $ 6,086 $ 6,086 $ 8,052 $ 8,052 Restricted cash 99,920 99,920 63,824 63,824 Level 2 inputs Interest rate caps 2,027 2,027 265 265 Level 3 inputs Net finance receivables, less unearned insurance premiums and allowance for credit losses 1,004,518 1,091,069 951,714 1,032,558 Liabilities Level 3 inputs Debt 853,067 845,674 768,909 767,185

Income Taxes (Tables)

Income Taxes (Tables)	6 Months Ended
	Jun. 30, 2021
Income Tax Disclosure [Abstract]
Schedule of Components of Income Taxes	The following tables summarize the components of income taxes for the periods indicated: Three Months Ended June 30, In thousands 2021 2020 Provision for corporate taxes $ 6,234 $ 4,139 Discrete tax (benefits) deficiencies (1,463 ) 80 Total income taxes $ 4,771 $ 4,219 Six Months Ended June 30, In thousands 2021 2020 Provision for corporate taxes $ 14,582 $ 562 Discrete tax (benefits) deficiencies (1,942 ) 132 Total income taxes $ 12,640 $ 694

Earnings Per Share (Tables)

Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2021
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 June 30, Six Months Ended June 30, In thousands, except per share amounts 2021 2020 2021 2020 Numerator: Net income $ 20,166 $ 7,470 $ 45,688 $ 1,145 Denominator: Weighted-average shares outstanding for basic earnings per share 10,200 10,962 10,371 10,929 Effect of dilutive securities 597 51 560 201 Weighted-average shares adjusted for dilutive securities 10,797 11,013 10,931 11,130 Earnings per share: Basic $ 1.98 $ 0.68 $ 4.41 $ 0.10 Diluted $ 1.87 $ 0.68 $ 4.18 $ 0.10

Share-Based Compensation (Table

Share-Based Compensation (Tables)	6 Months Ended
	Jun. 30, 2021
Disclosure Of Compensation Related Costs Sharebased 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, 2021 2020 Expected volatility 47.83 % 44.88 % Expected dividends 2.63 % 0.00 % Expected term (in years) 6.0 6.0 Risk-free rate 0.64 % 0.71 %
Summary of Company's Stock Option Plan Activity	The following table summarizes the stock option activity for the six months ended June 30, 2021: In thousands, except per share amounts Number of Shares Weighted-Average Exercise Price Per Share Weighted-Average Remaining Contractual Life (Years) Aggregate Intrinsic Value Options outstanding at January 1, 2021 908 $ 19.73 Granted 137 30.44 Exercised (350 ) 20.51 Forfeited — — Expired (3 ) 16.30 Options outstanding at June 30, 2021 692 $ 21.48 6.6 $ 17,345 Options exercisable at June 30, 2021 435 $ 18.89 5.0 $ 12,019
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 2021 2020 2021 2020 Weighted-average grant date fair value per share $ — $ — $ 10.52 $ 7.58 Intrinsic value of options exercised $ 4,531 $ — $ 7,392 $ 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, 2021: In thousands, except per unit amounts Units Weighted-Average Grant Date Fair Value Per Unit Non-vested units at January 1, 2021 124 $ 21.89 Granted (target) 45 30.22 Achieved performance adjustment (1) 2 28.25 Vested (42 ) 28.25 Forfeited — — Non-vested units at June 30, 2021 129 $ 22.84 (1) The 2018 LTIP RSUs were earned and vested at 105.6% of target, as described in greater detail in the Company’s definitive proxy statement filed with the SEC on April 16, 2021.
Summary of Additional RSU Information	The following table provides additional RSU information for the periods indicated: Three Months Ended June 30, Six Months Ended June 30, In thousands, except per unit amounts 2021 2020 2021 2020 Weighted-average grant date fair value per unit $ — $ 15.86 $ 30.22 $ 15.86 Fair value of RSUs that vested $ — $ — $ 1,199 $ 1,314
Summary of RSA Activity	The following table summarizes RSA activity during the six months ended June 30, 2021: In thousands, except per share amounts Shares Weighted-Average Grant Date Fair Value Per Share Non-vested shares at January 1, 2021 266 $ 19.34 Granted 153 30.33 Vested (65 ) 16.31 Forfeited (2 ) 22.82 Non-vested shares at June 30, 2021 352 $ 24.66
Summary of Additional RSA Information	The following table provides additional RSA information for the periods indicated: Three Months Ended June 30, Six Months Ended June 30, In thousands, except per share amounts 2021 2020 2021 2020 Weighted-average grant date fair value per share $ 46.55 $ 15.58 $ 30.33 $ 19.39 Fair value of RSAs that vested $ 1,012 $ 819 $ 1,052 $ 1,121

Nature of Business - Additional

Nature of Business - Additional Information (Detail)	Jun. 30, 2021LocationState
Accounting Policies [Abstract]
Number of branches | Location	368
Number of states | State	12

Basis of Presentation and Sig_3

Basis of Presentation and Significant Accounting Policies - Additional Information (Detail)	6 Months Ended
	Jun. 30, 2021
Accounting Policies [Abstract]
Contractual delinquent period of loans	180 days
Bankruptcy delinquency threshold	60 days
Delinquency interest accrual cessation	90 days
Threshold period to write off financing receivable	90 days

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, 2021	Dec. 31, 2020	Jun. 30, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	$ 1,183,387	$ 1,136,259	$ 1,022,635
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	380,780	403,062	380,083
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	789,743	715,210	618,134
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	2,303	3,889	6,059
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	$ 10,561	$ 14,098	$ 18,359

Finance Receivables, Credit Q_4

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Additional Information (Detail)	3 Months Ended			6 Months Ended
	Sep. 30, 2021	Jun. 30, 2021USD ($)	Jun. 30, 2020USD ($)	Jun. 30, 2021USD ($)Rating	Jun. 30, 2020USD ($)	Mar. 31, 2021USD ($)	Dec. 31, 2020USD ($)	Mar. 31, 2020USD ($)	Jan. 01, 2020USD ($)	Dec. 31, 2019USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables included net deferred origination fees		$ 12,800,000		$ 12,800,000			$ 12,600,000
Number of FICO band categories | Rating				6
Accrued interest		4,800	$ 6,200	$ 4,800	$ 6,200
Allowance for credit losses		$ 139,400,000	$ 142,000,000	$ 139,400,000	$ 142,000,000	$ 139,600,000	$ 150,000,000	$ 142,400,000		$ 62,200,000
Allowance as Percentage of Finance Receivables		11.80%	13.90%	11.80%	13.90%
C A R E S Act | Forecast
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase in U.S. unemployment rate	8.00%
Net Build Related to Portfolio Growth [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase decrease in allowance for credit losses		$ 6,100,000		$ 2,300,000
Reserve Release Due to Portfolio Liquidation [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase decrease in allowance for credit losses			$ 9,900,000		$ 13,700,000
COVID19 Impact [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
COVID-19 reserves included in the allowance for credit losses				$ 17,500,000
CECL Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for credit losses									$ 122,300,000
Allowance percentage of net finance receivables									10.80%
Quarterly Trend - Amortized Cost Basis [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for credit losses										$ 62,200,000
Allowance as Percentage of Finance Receivables										5.50%

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, 2021	Dec. 31, 2020	Jun. 30, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	$ 531,474
2020		459,915
2019		159,377
2018		24,960
2017		5,733
Prior		1,928
Total Amortized Cost Basis		1,183,387	$ 1,136,259	$ 1,022,635
FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	64,582
2020		62,959
2019		23,302
2018		5,247
2017		2,364
Prior		1,081
Total Amortized Cost Basis		159,535
FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	48,336
2020		39,651
2019		11,408
2018		1,502
2017		507
Prior		325
Total Amortized Cost Basis		101,729
FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	80,852
2020		63,797
2019		23,632
2018		3,492
2017		844
Prior		222
Total Amortized Cost Basis		172,839
FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	95,517
2020		78,208
2019		28,987
2018		3,932
2017		661
Prior		105
Total Amortized Cost Basis		207,410
FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	90,113
2020		78,076
2019		27,453
2018		4,066
2017		572
Prior		104
Total Amortized Cost Basis		200,384
FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	152,074
2020		137,224
2019		44,595
2018		6,721
2017		785
Prior		91
Total Amortized Cost Basis		341,490
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	204,991
2020		151,829
2019		22,570
2018		1,235
2017		122
Prior		33
Total Amortized Cost Basis		380,780	403,062	380,083
Small Loans [Member] | FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	41,916
2020		31,146
2019		6,445
2018		613
2017		80
Prior		20
Total Amortized Cost Basis		80,220
Small Loans [Member] | FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	25,323
2020		16,699
2019		2,596
2018		144
2017		15
Prior		5
Total Amortized Cost Basis		44,782
Small Loans [Member] | FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	27,385
2020		17,797
2019		2,561
2018		144
2017		8
Prior		1
Total Amortized Cost Basis		47,896
Small Loans [Member] | FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	30,105
2020		19,538
2019		2,532
2018		134
2017		10
Prior		3
Total Amortized Cost Basis		52,322
Small Loans [Member] | FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	30,236
2020		22,337
2019		2,849
2018		94
2017		4
Prior		2
Total Amortized Cost Basis		55,522
Small Loans [Member] | FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	50,026
2020		44,312
2019		5,587
2018		106
2017		5
Prior		2
Total Amortized Cost Basis		100,038
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	324,116
2020		303,749
2019		133,731
2018		23,000
2017		4,129
Prior		1,018
Total Amortized Cost Basis		789,743	715,210	618,134
Large Loans [Member] | FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	22,657
2020		31,578
2019		16,412
2018		4,550
2017		1,690
Prior		695
Total Amortized Cost Basis		77,582
Large Loans [Member] | FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	22,998
2020		22,801
2019		8,464
2018		1,301
2017		266
Prior		144
Total Amortized Cost Basis		55,974
Large Loans [Member] | FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	53,117
2020		45,436
2019		20,719
2018		3,278
2017		464
Prior		71
Total Amortized Cost Basis		123,085
Large Loans [Member] | FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	64,695
2020		57,357
2019		25,739
2018		3,600
2017		498
Prior		44
Total Amortized Cost Basis		151,933
Large Loans [Member] | FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	59,254
2020		54,724
2019		23,985
2018		3,800
2017		513
Prior		23
Total Amortized Cost Basis		142,299
Large Loans [Member] | FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	101,395
2020		91,853
2019		38,412
2018		6,471
2017		698
Prior		41
Total Amortized Cost Basis		238,870
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2017		1,442
Prior		861
Total Amortized Cost Basis		2,303	3,889	6,059
Automobile Loans [Member] | FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2017		590
Prior		362
Total Amortized Cost Basis		952
Automobile Loans [Member] | FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2017		223
Prior		174
Total Amortized Cost Basis		397
Automobile Loans [Member] | FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2017		366
Prior		146
Total Amortized Cost Basis		512
Automobile Loans [Member] | FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2017		146
Prior		56
Total Amortized Cost Basis		202
Automobile Loans [Member] | FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2017		40
Prior		78
Total Amortized Cost Basis		118
Automobile Loans [Member] | FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2017		77
Prior		45
Total Amortized Cost Basis		122
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	2,367
2020		4,337
2019		3,076
2018		725
2017		40
Prior		16
Total Amortized Cost Basis		10,561	$ 14,098	$ 18,359
Retail Loans [Member] | FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	9
2020		235
2019		445
2018		84
2017		4
Prior		4
Total Amortized Cost Basis		781
Retail Loans [Member] | FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	15
2020		151
2019		348
2018		57
2017		3
Prior		2
Total Amortized Cost Basis		576
Retail Loans [Member] | FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	350
2020		564
2019		352
2018		70
2017		6
Prior		4
Total Amortized Cost Basis		1,346
Retail Loans [Member] | FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	717
2020		1,313
2019		716
2018		198
2017		7
Prior		2
Total Amortized Cost Basis		2,953
Retail Loans [Member] | FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	623
2020		1,015
2019		619
2018		172
2017		15
Prior		1
Total Amortized Cost Basis		2,445
Retail Loans [Member] | FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	[1]	653
2020		1,059
2019		596
2018		144
2017		5
Prior		3
Total Amortized Cost Basis		$ 2,460
[1]	Includes loans originated during the six months ended June 30, 2021.

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, 2021	Dec. 31, 2020	Jun. 30, 2020
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 42,793	$ 60,450
Past due, Percent	3.60%	5.30%
Net finance receivables	$ 1,183,387	$ 1,136,259	$ 1,022,635
Total net finance receivables, Percent	100.00%	100.00%
Net finance receivables in nonaccrual status	$ 20,769	$ 32,239
Net finance receivables in nonaccrual status, Percent	1.80%	2.80%
Past due, Percent	3.60%	5.30%
Small Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 18,876	$ 27,703
Past due, Percent	5.00%	6.90%
Net finance receivables	$ 380,780	$ 403,062	380,083
Total net finance receivables, Percent	100.00%	100.00%
Net finance receivables in nonaccrual status	$ 9,660	$ 14,617
Net finance receivables in nonaccrual status, Percent	2.50%	3.60%
Past due, Percent	5.00%	6.90%
Large Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 23,068	$ 31,259
Past due, Percent	2.90%	4.40%
Net finance receivables	$ 789,743	$ 715,210	618,134
Total net finance receivables, Percent	100.00%	100.00%
Net finance receivables in nonaccrual status	$ 10,608	$ 16,683
Net finance receivables in nonaccrual status, Percent	1.30%	2.30%
Past due, Percent	2.90%	4.40%
Automobile Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 183	$ 296
Past due, Percent	7.90%	7.60%
Net finance receivables	$ 2,303	$ 3,889	6,059
Total net finance receivables, Percent	100.00%	100.00%
Net finance receivables in nonaccrual status	$ 140	$ 216
Net finance receivables in nonaccrual status, Percent	6.10%	5.60%
Past due, Percent	7.90%	7.60%
Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 666	$ 1,192
Past due, Percent	6.30%	8.50%
Net finance receivables	$ 10,561	$ 14,098	$ 18,359
Total net finance receivables, Percent	100.00%	100.00%
Net finance receivables in nonaccrual status	$ 361	$ 723
Net finance receivables in nonaccrual status, Percent	3.40%	5.10%
Past due, Percent	6.30%	8.50%
Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 1,066,124	$ 990,467
Current, Percent	90.10%	87.20%
Financing Receivables, Current [Member] | Small Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 334,733	$ 342,744
Current, Percent	87.90%	85.00%
Financing Receivables, Current [Member] | Large Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 721,062	$ 633,806
Current, Percent	91.30%	88.60%
Financing Receivables, Current [Member] | Automobile Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 1,679	$ 2,729
Current, Percent	73.00%	70.20%
Financing Receivables, Current [Member] | Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 8,650	$ 11,188
Current, Percent	81.90%	79.30%
1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 74,470	$ 85,342
Past due, Percent	6.30%	7.50%
Past due, Percent	6.30%	7.50%
1 to 29 Days Past Due [Member] | Small Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 27,171	$ 32,615
Past due, Percent	7.10%	8.10%
Past due, Percent	7.10%	8.10%
1 to 29 Days Past Due [Member] | Large Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 45,613	$ 50,145
Past due, Percent	5.80%	7.00%
Past due, Percent	5.80%	7.00%
1 to 29 Days Past Due [Member] | Automobile Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 441	$ 864
Past due, Percent	19.10%	22.20%
Past due, Percent	19.10%	22.20%
1 to 29 Days Past Due [Member] | Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,245	$ 1,718
Past due, Percent	11.80%	12.20%
Past due, Percent	11.80%	12.20%
Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 14,488	$ 18,381
Past due, Percent	1.20%	1.60%
Past due, Percent	1.20%	1.60%
Delinquent Accounts 30 to 59 Days [Member] | Small Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,800	$ 8,195
Past due, Percent	1.50%	2.10%
Past due, Percent	1.50%	2.10%
Delinquent Accounts 30 to 59 Days [Member] | Large Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 8,409	$ 9,808
Past due, Percent	1.00%	1.40%
Past due, Percent	1.00%	1.40%
Delinquent Accounts 30 to 59 Days [Member] | Automobile Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 61	$ 49
Past due, Percent	2.60%	1.20%
Past due, Percent	2.60%	1.20%
Delinquent Accounts 30 to 59 Days [Member] | Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 218	$ 329
Past due, Percent	2.00%	2.30%
Past due, Percent	2.00%	2.30%
Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 9,614	$ 14,955
Past due, Percent	0.80%	1.30%
Past due, Percent	0.80%	1.30%
Delinquent Accounts 60 to 89 Days [Member] | Small Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,079	$ 6,907
Past due, Percent	1.10%	1.70%
Past due, Percent	1.10%	1.70%
Delinquent Accounts 60 to 89 Days [Member] | Large Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,318	$ 7,639
Past due, Percent	0.70%	1.10%
Past due, Percent	0.70%	1.10%
Delinquent Accounts 60 to 89 Days [Member] | Automobile Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 32	$ 119
Past due, Percent	1.40%	3.10%
Past due, Percent	1.40%	3.10%
Delinquent Accounts 60 to 89 Days [Member] | Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 185	$ 290
Past due, Percent	1.80%	2.10%
Past due, Percent	1.80%	2.10%
Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 6,116	$ 10,496
Past due, Percent	0.50%	0.90%
Past due, Percent	0.50%	0.90%
Delinquent Accounts 90 to 119 Days [Member] | Small Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,705	$ 4,866
Past due, Percent	0.70%	1.20%
Past due, Percent	0.70%	1.20%
Delinquent Accounts 90 to 119 Days [Member] | Large Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,331	$ 5,407
Past due, Percent	0.40%	0.80%
Past due, Percent	0.40%	0.80%
Delinquent Accounts 90 to 119 Days [Member] | Automobile Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 18	$ 29
Past due, Percent	0.80%	0.70%
Past due, Percent	0.80%	0.70%
Delinquent Accounts 90 to 119 Days [Member] | Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 62	$ 194
Past due, Percent	0.60%	1.40%
Past due, Percent	0.60%	1.40%
Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,961	$ 9,085
Past due, Percent	0.50%	0.80%
Past due, Percent	0.50%	0.80%
Delinquent Accounts 120 to 149 Days [Member] | Small Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,017	$ 4,193
Past due, Percent	0.80%	1.00%
Past due, Percent	0.80%	1.00%
Delinquent Accounts 120 to 149 Days [Member] | Large Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,833	$ 4,648
Past due, Percent	0.40%	0.60%
Past due, Percent	0.40%	0.60%
Delinquent Accounts 120 to 149 Days [Member] | Automobile Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 31	$ 37
Past due, Percent	1.30%	1.00%
Past due, Percent	1.30%	1.00%
Delinquent Accounts 120 to 149 Days [Member] | Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 80	$ 207
Past due, Percent	0.80%	1.50%
Past due, Percent	0.80%	1.50%
Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 6,614	$ 7,533
Past due, Percent	0.60%	0.70%
Past due, Percent	0.60%	0.70%
Delinquent Accounts 150 to 179 Days [Member] | Small Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,275	$ 3,542
Past due, Percent	0.90%	0.90%
Past due, Percent	0.90%	0.90%
Delinquent Accounts 150 to 179 Days [Member] | Large Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,177	$ 3,757
Past due, Percent	0.40%	0.50%
Past due, Percent	0.40%	0.50%
Delinquent Accounts 150 to 179 Days [Member] | Automobile Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 41	$ 62
Past due, Percent	1.80%	1.60%
Past due, Percent	1.80%	1.60%
Delinquent Accounts 150 to 179 Days [Member] | Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 121	$ 172
Past due, Percent	1.10%	1.20%
Past due, Percent	1.10%	1.20%

Finance Receivables, Credit Q_7

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	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Receivables [Abstract]
Beginning balance	$ 139,600	$ 142,400	$ 150,000	$ 62,200
Impact of CECL adoption				60,100
COVID-19 reserve build (release)	(6,300)	9,500	(12,900)	33,400
Other	6,100	(9,900)	2,300	(13,700)
Ending balance	$ 139,400	$ 142,000	$ 139,400	$ 142,000
Allowance as Percentage of Finance Receivables	11.80%	13.90%	11.80%	13.90%

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, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 139,600	$ 142,400	$ 150,000	$ 62,200
Impact of CECL adoption				60,100
Provision for credit losses	20,549	27,499	31,911	77,021
Credit losses	(21,808)	(29,074)	(44,578)	(59,754)
Recoveries	1,059	1,175	2,067	2,433
Ending balance	139,400	142,000	139,400	142,000
Net finance receivables	$ 1,183,387	$ 1,022,635	$ 1,183,387	$ 1,022,635	$ 1,136,259
Allowance as Percentage of Finance Receivables	11.80%	13.90%	11.80%	13.90%
Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 53,673	$ 62,454	$ 59,410	$ 30,588
Impact of CECL adoption				24,185
Provision for credit losses	8,208	11,514	12,969	36,066
Credit losses	(10,754)	(16,420)	(21,728)	(33,948)
Recoveries	451	657	927	1,314
Ending balance	51,578	58,205	51,578	58,205
Net finance receivables	$ 380,780	$ 380,083	$ 380,780	$ 380,083	403,062
Allowance as Percentage of Finance Receivables	13.50%	15.30%	13.50%	15.30%
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 83,345	$ 75,013	$ 87,275	$ 29,148
Impact of CECL adoption				33,550
Provision for credit losses	12,340	15,513	19,183	39,268
Credit losses	(10,612)	(11,694)	(21,872)	(23,655)
Recoveries	576	473	1,063	994
Ending balance	85,649	79,305	85,649	79,305
Net finance receivables	$ 789,743	$ 618,134	$ 789,743	$ 618,134	715,210
Allowance as Percentage of Finance Receivables	10.80%	12.80%	10.80%	12.80%
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 604	$ 1,247	$ 783	$ 820
Impact of CECL adoption				599
Provision for credit losses	(76)	15	(191)	112
Credit losses	(92)	(115)	(172)	(426)
Recoveries	19	13	35	55
Ending balance	455	1,160	455	1,160
Net finance receivables	$ 2,303	$ 6,059	$ 2,303	$ 6,059	3,889
Allowance as Percentage of Finance Receivables	19.80%	19.10%	19.80%	19.10%
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 1,978	$ 3,686	$ 2,532	$ 1,644
Impact of CECL adoption				1,766
Provision for credit losses	77	457	(50)	1,575
Credit losses	(350)	(845)	(806)	(1,725)
Recoveries	13	32	42	70
Ending balance	1,718	3,330	1,718	3,330
Net finance receivables	$ 10,561	$ 18,359	$ 10,561	$ 18,359	$ 14,098
Allowance as Percentage of Finance Receivables	16.30%	18.10%	16.30%	18.10%

Finance Receivables, Credit Q_9

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of TDR Net Finance Receivables And TDR Allowance For Credit Losses (Detail) - USD ($) $ in Thousands	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	$ 1,183,387		$ 1,136,259	$ 1,022,635
Allowance for credit losses	139,400	$ 139,600	150,000	142,000	$ 142,400	$ 62,200
Troubled Debt Restructurings
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	17,576			25,474
Allowance for credit losses	5,969			9,185
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	380,780		403,062	380,083
Allowance for credit losses	51,578	53,673	59,410	58,205	62,454	30,588
Small Loans [Member] | Troubled Debt Restructurings
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	3,844			7,162
Allowance for credit losses	1,576			2,883
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	789,743		715,210	618,134
Allowance for credit losses	85,649	83,345	87,275	79,305	75,013	29,148
Large Loans [Member] | Troubled Debt Restructurings
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	13,441			17,825
Allowance for credit losses	4,278			6,085
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	2,303		3,889	6,059
Allowance for credit losses	455	604	783	1,160	1,247	820
Automobile Loans [Member] | Troubled Debt Restructurings
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	224			402
Allowance for credit losses	88			179
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	10,561		14,098	18,359
Allowance for credit losses	1,718	$ 1,978	$ 2,532	3,330	$ 3,686	$ 1,644
Retail Loans [Member] | Troubled Debt Restructurings
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	67			85
Allowance for credit losses	$ 27			$ 38

Finance Receivables, Credit _10

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Net Finance Receivables Modified And Classified As TDRs (Detail) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2021USD ($)Loan	Jun. 30, 2020USD ($)Loan	Jun. 30, 2021USD ($)Loan	Jun. 30, 2020USD ($)Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		1,046	1,368	2,458	4,463
TDR Net Finance Receivables | $	[1]	$ 3,479	$ 4,350	$ 8,069	$ 13,712
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		581	888	1,368	2,689
TDR Net Finance Receivables | $	[1]	$ 1,085	$ 2,796	$ 2,540	$ 8,171
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		462	476	1,083	1,753
TDR Net Finance Receivables | $	[1]	$ 2,390	$ 1,542	$ 5,508	$ 5,461
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan				2	1
TDR Net Finance Receivables | $	[1]			$ 13	$ 3
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		3	4	5	20
TDR Net Finance Receivables | $	[1]	$ 4	$ 12	$ 8	$ 77
[1]	(1) Represents the post-modification net finance receivables balance of loans that have been modified during the period and resulted in a TDR.

Finance Receivables, Credit _11

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of TDR Finance Receivables that Subsequently Defaulted (Detail) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2021USD ($)Loan	Jun. 30, 2020USD ($)Loan	Jun. 30, 2021USD ($)Loan	Jun. 30, 2020USD ($)Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		252	628	680	1,886
TDR Net Finance Receivables | $	[1]	$ 847	$ 1,951	$ 2,111	$ 5,613
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		140	365	406	1,164
TDR Net Finance Receivables | $	[1]	$ 267	$ 638	$ 724	$ 2,056
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		111	256	270	694
TDR Net Finance Receivables | $	[1]	$ 579	$ 1,301	$ 1,372	$ 3,506
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan				1
TDR Net Finance Receivables | $	[1]			$ 10
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		1	7	3	28
TDR Net Finance Receivables | $	[1]	$ 1	$ 12	$ 5	$ 51
[1]	(1) Only includes defaults occurring within 12 months of a loan being designated as a TDR. Represents the corresponding balance of TDR net finance receivables at the end of the month in which they defaulted.

Interest Rate Caps - Additional

Interest Rate Caps - Additional Information (Detail) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Derivative [Line Items]
Notional amount of interest rate cap	$ 450,000
London Interbank Offered Rate (LIBOR) [Member]
Derivative [Line Items]
Interest rate	0.10%	0.14%

Interest Rate Caps - Summary of

Interest Rate Caps - Summary of Interest Rate Caps (Detail) $ in Thousands	6 Months Ended
	Jun. 30, 2021USD ($)
Derivative [Line Items]
Notional Amount	$ 450,000
Interest Rate Cap #1 [Member]
Derivative [Line Items]
Derivative, Inception Date	Mar. 31, 2020
Maturity	Mar. 31, 2023
Strike Rate	1.75%
Notional Amount	$ 100,000
Interest Rate Cap #2 [Member]
Derivative [Line Items]
Derivative, Inception Date	Aug. 31, 2020
Maturity	Aug. 31, 2023
Strike Rate	0.50%
Notional Amount	$ 50,000
Interest Rate Cap #3 [Member]
Derivative [Line Items]
Derivative, Inception Date	Sep. 30, 2020
Maturity	Oct. 31, 2023
Strike Rate	0.50%
Notional Amount	$ 100,000
Interest Rate Cap #4 [Member]
Derivative [Line Items]
Derivative, Inception Date	Nov. 30, 2020
Maturity	Nov. 30, 2023
Strike Rate	0.25%
Notional Amount	$ 50,000
Interest Rate Cap #5 [Member]
Derivative [Line Items]
Derivative, Inception Date	Feb. 28, 2021
Maturity	Feb. 29, 2024
Strike Rate	0.25%
Notional Amount	$ 50,000
Interest Rate Cap #6 [Member]
Derivative [Line Items]
Derivative, Inception Date	Mar. 31, 2021
Maturity	Mar. 31, 2024
Strike Rate	0.25%
Notional Amount	$ 50,000
Interest Rate Cap #7 [Member]
Derivative [Line Items]
Derivative, Inception Date	Jun. 30, 2021
Maturity	Jun. 30, 2024
Strike Rate	0.25%
Notional Amount	$ 50,000

Interest Rate Caps - Summary _2

Interest Rate Caps - Summary of Change in Fair Value of Interest Rate Caps (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Offsetting [Abstract]
Balance at beginning of period	$ 1,652	$ 85	$ 265
Purchases	385		987	$ 114
Fair value adjustment included as an (increase) decrease in interest expense	(10)	(33)	775	(62)
Balance at end of period	$ 2,027	$ 52	$ 2,027	$ 52

Debt - Summary of the Company's

Debt - Summary of the Company's Debt (Detail) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Debt Instrument [Line Items]
Debt	$ 853,067	$ 768,909
Unamortized debt issuance costs	(9,356)	(6,661)
Net long-term debt	843,711	762,248
Unused amount of revolving credit facilities (subject to borrowing base)	647,362	438,082
Senior Revolving Credit Facility
Debt Instrument [Line Items]
Debt	144,531	286,113
Unamortized debt issuance costs	(1,229)	(1,687)
Net long-term debt	143,302	284,426
RMR II revolving warehouse credit facility
Debt Instrument [Line Items]
Debt	44,444	42,061
Unamortized debt issuance costs	(1,701)	(1,486)
Net long-term debt	42,743	40,575
RMR IV revolving warehouse credit facility
Debt Instrument [Line Items]
Debt	67,407
Unamortized debt issuance costs	(643)
Net long-term debt	66,764
RMIT 2018-2 securitization
Debt Instrument [Line Items]
Debt		130,349
Net long-term debt		130,349
RMR V revolving warehouse credit facility
Debt Instrument [Line Items]
Debt	37,383
Unamortized debt issuance costs	(628)
Net long-term debt	36,755
RMIT 2019-1 securitization
Debt Instrument [Line Items]
Debt	130,172	130,172
Unamortized debt issuance costs	(834)	(1,216)
Net long-term debt	129,338	128,956
RMIT 2020-1 securitization
Debt Instrument [Line Items]
Debt	180,214	180,214
Unamortized debt issuance costs	(1,854)	(2,272)
Net long-term debt	178,360	$ 177,942
RMIT 2021-1 securitization
Debt Instrument [Line Items]
Debt	248,916
Unamortized debt issuance costs	(2,467)
Net long-term debt	$ 246,449

Debt - Additional Information (

Debt - Additional Information (Detail) - USD ($) $ in Thousands	5 Months Ended	6 Months Ended	7 Months Ended
	Dec. 31, 2020	Jun. 30, 2021	Jul. 31, 2020	Jun. 30, 2020	Dec. 31, 2019
Line of Credit Facility [Line Items]
Cash	$ 8,052	$ 6,086		$ 8,973	$ 2,263
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.
Cash deposited to restricted cash reserve account	63,824	$ 99,920		$ 54,423	$ 54,164
Private offering of investment grade asset-backed notes		200,000
RMR II Revolving Warehouse Credit Facility
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account		$ 600
Debt revolving period end date		2023-03
Debt maturity date		2024-03
Debt Instrument, Description of Variable Rate Basis		which borrowings under the facility bear interest, payable monthly, at a blended rate equal to three-month LIBOR, with a LIBOR floor of 0.25%, plus a margin of 2.35% (2.15% prior to the April 2021 amendment). The debt is secured by finance receivables and other related assets that the Company purchased from its affiliates, which the Company then sold and transferred to RMR II.
RMR IV revolving warehouse credit facility
Line of Credit Facility [Line Items]
Secured line of credit		$ 125
Percentage of advances on debt agreement eligible secured finance receivables		81.00%
Cash deposited to restricted cash reserve account		$ 800
Debt revolving period end date		2023-04
Debt maturity date		2024-04
Line of credit facility, description		The facility converts to an amortizing loan in April 2023 and terminates in April 2024. The debt is secured by finance receivables and other related assets that the Company purchased from its affiliates, which the Company then sold and transferred to RMR IV. Advances on the facility are capped at 81% of eligible finance receivables
Line of credit facility, interest rate description		Borrowings under the facility bear interest, payable monthly, at a blended rate equal to one-month LIBOR, plus a margin of 2.35%. The one-month LIBOR was 0.10% at June 30, 2021. RMR IV pays an unused commitment fee between 0.35% and 0.70% based upon the average daily utilization of the facility.
RMR V revolving warehouse credit facility
Line of Credit Facility [Line Items]
Secured line of credit		$ 100
Percentage of advances on debt agreement eligible secured finance receivables		80.00%
Cash deposited to restricted cash reserve account		$ 500
Debt revolving period end date		2022-10
Debt maturity date		2023-10
Line of credit facility, description		The facility converts to an amortizing loan in October 2022 and terminates in October 2023. The debt is secured by finance receivables and other related assets that the Company purchased from its affiliates, which the Company then sold and transferred to RMR V. Advances on the facility are capped at 80% of eligible finance receivables
Line of credit facility, interest rate description		Borrowings under the facility bear interest, payable monthly, at a per annum rate, which in the case of a conduit lender is the commercial paper rate, plus a margin of 2.20%. The commercial paper rate was 0.15% at June 30, 2021. RMR V pays an unused commitment fee between 0.45% and 0.75% based upon the average daily utilization of the facility
RMIT 2019-1 securitization
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account		$ 1,400
Debt revolving period end date		2021-10
Debt maturity date		2028-11
Weighted average rate		3.17%
Private offering of investment grade asset-backed notes		$ 130,000
Debt Instrument Payment Terms		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.
RMIT 2020-1 securitization
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account		$ 1,900
Debt revolving period end date		2023-09
Debt maturity date		2030-10
Weighted average rate		2.85%
Private offering of investment grade asset-backed notes		$ 180,000
Debt Instrument Payment Terms		Prior to maturity in October 2030, 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 October 2023. No payments of principal of the notes will be made during the revolving period
RMIT 2021-1 securitization
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account		$ 2,600
Debt revolving period end date		2024-02
Debt maturity date		2031-03
Weighted average rate		2.08%
Private offering of investment grade asset-backed notes		$ 249,000
Debt Instrument Payment Terms		Prior to maturity in March 2031, 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 March 2024. No payments of principal of the notes will be made during the revolving period
Contractual Priority Payments [Member]
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account	$ 46,600	$ 77,400
Minimum [Member] | RMR II Revolving Warehouse Credit Facility
Line of Credit Facility [Line Items]
Percentage of advances on debt agreement eligible secured finance receivables		80.00%
Decrease in total facility		$ 75,000
Minimum [Member] | Revolving Warehouse Credit Facility
Line of Credit Facility [Line Items]
Unused line fee		0.35%
Minimum [Member] | RMR IV revolving warehouse credit facility
Line of Credit Facility [Line Items]
Unused line fee		0.35%
Minimum [Member] | RMR V revolving warehouse credit facility
Line of Credit Facility [Line Items]
Unused line fee		0.45%
Maximum [Member] | RMR II Revolving Warehouse Credit Facility
Line of Credit Facility [Line Items]
Percentage of advances on debt agreement eligible secured finance receivables		83.00%
Decrease in total facility		$ 125,000
Maximum [Member] | Revolving Warehouse Credit Facility
Line of Credit Facility [Line Items]
Unused line fee		0.85%
Maximum [Member] | RMR IV revolving warehouse credit facility
Line of Credit Facility [Line Items]
Unused line fee		0.70%
Maximum [Member] | RMR V revolving warehouse credit facility
Line of Credit Facility [Line Items]
Unused line fee		0.75%
London Interbank Offered Rate (LIBOR) [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread		3.00%
Interest rate	0.14%	0.10%
London Interbank Offered Rate (LIBOR) [Member] | Revolving Warehouse Credit Facility
Line of Credit Facility [Line Items]
Interest rate	0.24%	0.15%
London Interbank Offered Rate (LIBOR) [Member] | Minimum [Member]
Line of Credit Facility [Line Items]
Effective interest rate on line of credit		1.00%
Unrestricted Cash Member
Line of Credit Facility [Line Items]
Cash		$ 6,100
Debt Instrument Variable Rate Base Condition [Member] | London Interbank Offered Rate (LIBOR) [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread		3.25%
Debt Instrument Variable Rate Base Condition Two | London Interbank Offered Rate (LIBOR) [Member] | Revolving Warehouse Credit Facility
Line of Credit Facility [Line Items]
Interest rate, basis spread	2.35%		2.15%
Debt Instrument Variable Rate Base Condition Two | London Interbank Offered Rate (LIBOR) [Member] | RMR IV revolving warehouse credit facility
Line of Credit Facility [Line Items]
Weighted average rate		2.35%
Debt Instrument Variable Rate Base Condition Two | London Interbank Offered Rate (LIBOR) [Member] | RMR V revolving warehouse credit facility
Line of Credit Facility [Line Items]
Weighted average rate		2.20%
Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Secured line of credit		$ 640,000
Line of credit facility, accordion feature		$ 650,000
Percentage of advances on debt agreement eligible secured finance receivables		85.00%
Percentage of advances on debt agreement eligible unsecured finance receivables		80.00%
Percentage of advances on debt agreement eligible delinquent renewals of finance receivables		60.00%
Current percentage of advances on eligible secured finance receivables		84.00%
Current percentage of advances on eligible unsecured finance receivables		79.00%
Current percentage of advances on eligible delinquent renewals of finance receivables		59.00%
Credit facility, eligible borrowing capacity		$ 195,400
Revolving Credit Facility [Member] | Minimum [Member]
Line of Credit Facility [Line Items]
Unused line fee		0.375%
Revolving Credit Facility [Member] | Maximum [Member]
Line of Credit Facility [Line Items]
Unused line fee		0.65%
Revolving Credit Facility [Member] | Senior Revolving Credit Facility Prior To September Twenty Two Thousand Nineteen
Line of Credit Facility [Line Items]
Secured line of credit		$ 638,000
Debt agreement expiration date		Jun. 30, 2020
Revolving Credit Facility [Member] | Senior Revolving Credit Facility
Line of Credit Facility [Line Items]
Debt agreement expiration date		Sep. 30, 2022

Debt - Schedule of Carrying Amo

Debt - Schedule of Carrying Amounts of Consolidated VIE's Assets and Liabilities (Detail) - USD ($) $ in Thousands	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019
Assets
Cash	$ 6,086		$ 8,052	$ 8,973		$ 2,263
Net finance receivables	1,183,387		1,136,259	1,022,635
Allowance for credit losses	(139,400)	$ (139,600)	(150,000)	(142,000)	$ (142,400)	(62,200)
Restricted cash	99,920		63,824	$ 54,423		$ 54,164
Other assets	16,710		16,332
Total assets	1,191,305		1,103,856
Liabilities
Net long-term debt	843,711		762,248
Accounts payable and accrued expenses	38,316		40,284
Total liabilities	912,322		831,733
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	189		236
Net finance receivables	714,401		483,674
Allowance for credit losses	(80,622)		(59,046)
Restricted cash	85,231		51,849
Other assets	7		5
Total assets	719,206		476,718
Liabilities
Net long-term debt	700,409		477,822
Accounts payable and accrued expenses	138		87
Total liabilities	$ 700,547		$ 477,909

Stockholders' Equity - Addition

Stockholders' Equity - Additional information (Detail) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	1 Months Ended	3 Months Ended	6 Months Ended
	May 31, 2021	Jun. 30, 2021	Jun. 30, 2021	Oct. 31, 2020
Stockholders Equity Note [Abstract]
Repurchase shares of common stock	$ 30			$ 30
Stock repurchased, shares	952	509	861
Stock repurchased, value		$ 22.2	$ 34
Common Stock, Dividends, Per Share, Declared		$ 0.25	$ 0.45
Common Stock Dividends Per Share Paid		$ 0.25	$ 0.45

Disclosure About Fair Value o_3

Disclosure About Fair Value of Financial Instruments - Carrying Amount and Estimated Fair Values of Company's Financial Instruments (Detail) - USD ($) $ in Thousands	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Jun. 30, 2020	Mar. 31, 2020
Assets
Interest rate caps	$ 2,027	$ 1,652	$ 265	$ 52	$ 85
Net finance receivables	1,004,518		951,714
Carrying Amount [Member] | Level 1 Inputs [Member]
Assets
Cash	6,086		8,052
Restricted cash	99,920		63,824
Carrying Amount [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	2,027		265
Carrying Amount [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	1,004,518		951,714
Liabilities:
Debt	853,067		768,909
Estimated Fair Value [Member] | Level 1 Inputs [Member]
Assets
Cash	6,086		8,052
Restricted cash	99,920		63,824
Estimated Fair Value [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	2,027		265
Estimated Fair Value [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	1,091,069		1,032,558
Liabilities:
Debt	$ 845,674		$ 767,185

Income Taxes - Schedule of Comp

Income Taxes - Schedule of Components of Income Taxes (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Income Tax Disclosure [Abstract]
Provision for corporate taxes	$ 6,234	$ 4,139	$ 14,582	$ 562
Discrete tax (benefits) deficiencies	(1,463)	80	(1,942)	132
Total income taxes	$ 4,771	$ 4,219	$ 12,640	$ 694

Earnings Per Share - Computatio

Earnings Per Share - Computation of Basic and Diluted Earnings Per Share (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Numerator:
Net income (Loss)	$ 20,166	$ 7,470	$ 45,688	$ 1,145
Denominator:
Weighted-average shares outstanding for basic earnings per share	10,200,000	10,962,000	10,371,000	10,929,000
Effect of dilutive securities	597,000	51,000	560,000	201,000
Weighted-average shares adjusted for dilutive securities	10,797,000	11,013,000	10,931,000	11,130,000
Basic	$ 1.98	$ 0.68	$ 4.41	$ 0.10
Diluted	$ 1.87	$ 0.68	$ 4.18	$ 0.10

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Stock Compensation Plans [Member]
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Options to purchase common stock, Shares	18,000	1,000,000	18,000	1,000,000

Share-based Compensation - Addi

Share-based Compensation - Additional Information (Detail) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Apr. 22, 2015
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Exercise period of options			10 years
Non-Employee Directors [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Non-employee director compensation grant period			5 days
Maximum [Member] | Graded and Cliff Vesting [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting period of options			5 years
2015 Plan [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Shares available for grant	1,200,000		1,200,000
Long Term Incentive Plan [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Performance target for achievement period			3 years
Long Term Incentive Plan [Member] | Minimum [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Percentage of performance target for achievement			0.00%
Long Term Incentive Plan [Member] | Maximum [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]
Share-based compensation expense	$ 1.9	$ 1.1	$ 3.4	$ 2.5
Unrecognized share-based compensation expense	$ 11.7		$ 11.7
Period of recognition of share-based compensation expense	2 years
Stock Compensation Plans [Member] | 2015 Plan [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Maximum aggregate number of shares	2,600,000		2,600,000
Number of additional shares,Maximum aggregate number of shares			1,050,000
Shares available for grant					900,000
Plan description			As of June 30, 2021, 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) 2.6 million shares (such amount reflecting an increase of 1.05 million additional or “new” shares in connection with the May 20, 2021 re-approval of the 2015 Plan) plus (ii) any shares 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, plus (iii) any shares subject to an award granted under the 2007 Plan or the 2011 Plan, which award is forfeited, cash-settled, cancelled, terminated, expires, or lapses for any reason 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
Vesting period of options			2 years
Deferred compensation arrangement with individual, description			Each participant in the program is eligible to earn an RSA, subject to performance over a one-year period. Payout under the program can range from 0% to 150% of target based on the achievement of five Company performance metrics and individual performance goals (subject to continued employment and certain other terms and conditions of the program).
Restricted Stock [Member] | Long Term Incentive Plan [Member] | Minimum [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Percentage of performance target for achievement			0.00%
Restricted Stock [Member] | Long Term Incentive Plan [Member] | Maximum [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, 2021	Jun. 30, 2020
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract]
Expected volatility	47.83%	44.88%
Expected dividends	2.63%	0.00%
Expected term (in years)	6 years	6 years
Risk-free rate	0.64%	0.71%

Share-based Compensation - Summ

Share-based Compensation - Summary of Company's Stock Option Plan Activity (Detail) - USD ($) $ / shares in Units, $ in Thousands	6 Months Ended
	Jun. 30, 2021
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract]
Number of Shares, Options outstanding, Beginning balance	908,000
Number of Shares, Granted	137,000
Number of Shares, Exercised	(350,000)
Number of Shares, Expired	(3,000)
Number of Shares, Options outstanding, Ending balance	692,000
Number of Shares, Options exercisable	435,000
Weighted Average Exercise Price Per Share, Options outstanding, Beginning balance	$ 19.73
Weighted Average Exercise Price Per Share, Granted	30.44
Weighted Average Exercise Price Per Share, Exercised	20.51
Weighted Average Exercise Price Per Share, Expired	16.30
Weighted Average Exercise Price Per Share, Options outstanding, Ending balance	21.48
Weighted Average Exercise Price Per Share, Options exercisable	$ 18.89
Weighted Average Remaining Contractual Life (Years), Options outstanding	6 years 7 months 6 days
Weighted Average Remaining Contractual Life (Years), Options exercisable	5 years
Aggregate Intrinsic Value, Options outstanding	$ 17,345
Aggregate Intrinsic Value, Options exercisable	$ 12,019

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, 2021	Jun. 30, 2021	Jun. 30, 2020
Share Based Compensation Arrangement By Share Based Payment Award Options Additional Disclosures [Abstract]
Weighted-average grant date fair value per share		$ 10.52	$ 7.58
Intrinsic value of options exercised	$ 4,531	$ 7,392	$ 219
Fair value of stock options that vested			$ 353

Share-based Compensation - Su_3

Share-based Compensation - Summary of RSU Activity (Detail) - $ / shares shares in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Weighted Average Grant Date Fair Value, Granted (target)		$ 0	$ 15.86
Restricted Stock Units (RSUs) [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Non-vested units at January 1, 2021				124
Granted (target)				45
Achieved performance adjustment	[1]			2
Vested				(42)
Non-vested units at June 30, 2021		129		129
Weighted Average Grant Date Fair Value, Non-vested units at January 1, 2020				$ 21.89
Weighted Average Grant Date Fair Value, Granted (target)				30.22	$ 15.86
Weighted Average Grant Date Fair Value, Achieved performance adjustment	[1]			28.25
Weighted Average Grant Date Fair Value, Vested				28.25
Weighted Average Grant Date Fair Value Non-vested units at September 30, 2020		$ 22.84		$ 22.84
[1]	The 2018 LTIP RSUs were earned and vested at 105.6% of target, as described in greater detail in the Company’s definitive proxy statement filed with the SEC on April 16, 2021.

Share-based Compensation - Su_4

Share-based Compensation - Summary of RSU Activity (Parenthetical) (Detail)	6 Months Ended
	Jun. 30, 2021
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	105.60%

Share-based Compensation - Su_5

Share-based Compensation - Summary of Additional RSU Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Weighted Average Grant Date Fair Value, Granted (target)	$ 0	$ 15.86
Fair value of RSUs that vested	$ 0	$ 0
Restricted Stock Units (RSUs) [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Weighted Average Grant Date Fair Value, Granted (target)			$ 30.22	$ 15.86
Fair value of RSUs that vested			$ 1,199	$ 1,314

Share-based Compensation - Su_6

Share-based Compensation - Summary of RSA Activity (Detail) - $ / shares shares in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Weighted Average Grant Date Fair Value, Granted	$ 0	$ 15.86
Restricted Stock [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Non-vested units at January 1, 2021			266
Granted			153
Vested			(65)
Forfeited			(2)
Non-vested units at June 30, 2021	352		352
Weighted Average Grant Date Fair Value, Non-vested units at January 1, 2020			$ 19.34
Weighted Average Grant Date Fair Value, Granted	$ 46.55	$ 15.58	30.33	$ 19.39
Weighted Average Grant Date Fair Value, Vested			16.31
Weighted Average Grant Date Fair Value, Forfeited			22.82
Weighted Average Grant Date Fair Value Non-vested units at September 30, 2020	$ 24.66		$ 24.66

Share-based Compensation - Su_7

Share-based Compensation - Summary of Additional RSA Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Weighted-average grant date fair value per share	$ 0	$ 15.86
Fair value of RSAs that vested	$ 0	$ 0
Restricted Stock [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Weighted-average grant date fair value per share	$ 46.55	$ 15.58	$ 30.33	$ 19.39
Fair value of RSAs that vested	$ 1,012	$ 819	$ 1,052	$ 1,121

Subsequent Events - Additional

Subsequent Events - Additional Information (Detail) - USD ($) $ / shares in Units, $ in Millions	1 Months Ended	3 Months Ended	6 Months Ended
	Aug. 31, 2021	Jun. 30, 2021	Jun. 30, 2021	Jul. 31, 2021	May 31, 2021	Oct. 31, 2020
Subsequent Event [Line Items]
Common Stock Dividends Per Share Paid		$ 0.25	$ 0.45
Repurchase shares of common stock					$ 30	$ 30
Subsequent Event
Subsequent Event [Line Items]
Common Stock Dividends Per Share Paid	$ 0.25
Dividends payable, date to be paid	Sep. 15, 2021
Stock repurchase program expiration date	Jul. 29, 2023
Repurchase shares of common stock	$ 50
Stock repurchase program, remaining authorized repurchase amount	$ 20
Subsequent Event | Asset-backed Securities, Securitized Loans and Receivables
Subsequent Event [Line Items]
Principal amount outstanding on loans securitized or asset-backed financing arrangement				$ 200
Weighted average rate				2.30%