Regional Management (RM) 10-K 4 Mar 22 2021 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2021	Mar. 02, 2022	Jun. 30, 2021
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Transition Report	false
Document Period End Date	Dec. 31, 2021
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Entity Central Index Key	0001519401
Entity Registrant Name	Regional Management Corp.
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Interactive Data Current	Yes
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Well-known Seasoned Issuer	No
Entity Public Float			$ 392,238,236
ICFR Auditor Attestation Flag	true
Entity Common Stock, Shares Outstanding		9,826,934
Entity Shell Company	false
Entity Small Business	false
Entity Emerging Growth Company	false
Title of 12(b) Security	Common Stock, $0.10 par value
Trading Symbol	RM
Entity File Number	001-35477
Security Exchange Name	NYSE
Entity Incorporation State Country Code	DE
Entity Tax Identification Number	57-0847115
Entity Address Address Line1	979 Batesville Road
Entity Address, Address Line Two	Suite B
Entity Address, City or Town	Greer
Entity Address, State or Province	SC
Entity Address, Postal Zip Code	29651
City Area Code	864
Local Phone Number	448-7000
Documents Incorporated by Reference	Certain information required by Part III of this Annual Report on Form 10-K is incorporated herein by reference to the Proxy Statement for the registrant’s 2022 Annual Meeting of Stockholders, which is expected to be filed pursuant to Regulation 14A within 120 days after the end of the registrant’s fiscal year ended December 31, 2021.
Auditor Firm ID	49
Auditor Name	RSM US LLP
Auditor Location	Raleigh, North Carolina

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash	$ 10,507	$ 8,052
Net finance receivables	1,426,257	1,136,259
Unearned insurance premiums	(47,837)	(34,545)
Allowance for credit losses	(159,300)	(150,000)
Net finance receivables, less unearned insurance premiums and allowance for credit losses	1,219,120	951,714
Restricted cash	138,682	63,824
Lease assets	28,721	27,116
Property and equipment	12,938	14,008
Deferred tax assets, net	18,420	14,121
Intangible assets	9,517	8,689
Other assets	21,757	16,332
Total assets	1,459,662	1,103,856
Liabilities:
Debt	1,107,953	768,909
Unamortized debt issuance costs	(11,010)	(6,661)
Net debt	1,096,943	762,248
Accounts payable and accrued expenses	49,283	40,284
Lease liabilities	30,700	29,201
Total liabilities	1,176,926	831,733
Commitments and contingencies (Notes 6, 17, and 18)
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, 14,157 shares issued and 9,788 shares outstanding at December 31, 2021 and 13,851 shares issued and 10,932 shares outstanding at December 31, 2020)	1,416	1,385
Additional paid-in capital	104,745	105,483
Retained earnings	306,105	227,343
Treasury stock (4,370 shares at December 31, 2021 and 2,919 shares at December 31, 2020)	(129,530)	(62,088)
Total stockholders’ equity	282,736	272,123
Total liabilities and stockholders’ equity	1,459,662	1,103,856
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	364	236
Net finance receivables	1,004,954	483,674
Allowance for credit losses	(109,898)	(59,046)
Restricted cash	118,818	51,849
Other assets	4	5
Total assets	1,014,242	476,718
Liabilities:
Net debt	986,223	477,822
Accounts payable and accrued expenses	71	87
Total liabilities	$ 986,294	$ 477,909

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 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	14,157,000	13,851,000
Common stock, shares outstanding	9,788,000	10,932,000
Treasury stock, shares	4,370,000	2,919,000

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Revenue
Interest and fee income	$ 382,544	$ 335,215	$ 321,169
Insurance income, net	35,482	28,349	20,817
Other income	10,325	10,342	13,727
Total revenue	428,351	373,906	355,713
Expenses
Provision for credit losses	89,015	123,810	99,611
Personnel	119,833	109,560	94,000
Occupancy	24,126	22,629	22,576
Marketing	14,405	10,357	8,206
Other	37,150	33,770	32,202
Total general and administrative expenses	195,514	176,316	156,984
Interest expense	31,349	37,852	40,125
Income before income taxes	112,473	35,928	58,993
Income taxes	23,786	9,198	14,261
Net income	$ 88,687	$ 26,730	$ 44,732
Net income per common share:
Basic	$ 8.84	$ 2.45	$ 3.92
Diluted	$ 8.33	$ 2.40	$ 3.80
Weighted-average common shares outstanding:
Basic	10,034,000	10,930,000	11,401,000
Diluted	10,643,000	11,145,000	11,773,000

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 at Dec. 31, 2018	$ 279,161	$ 1,332	$ 98,778	$ 204,097	$ (25,046)
Beginning Balance, shares at Dec. 31, 2018		13,323,000
Issuance of restricted stock awards		$ 21	(21)
Issuance of restricted stock awards, shares		211,000
Exercise of stock options	2	$ 2
Exercise of stock options, shares		16,000
Repurchase of common stock	(25,028)				(25,028)
Shares withheld related to net share settlement	(1,231)	$ (5)	(1,226)
Shares withheld related to net share settlement, shares		(53,000)
Share-based compensation	5,147		5,147
Net income	44,732			44,732
Ending Balance at Dec. 31, 2019	302,783	$ 1,350	102,678	248,829	(50,074)
Ending Balance, shares at Dec. 31, 2019		13,497,000
Cumulative effect of accounting standard adoption	(45,922)			(45,922)
Cash dividends	(2,294)			(2,294)
Issuance of restricted stock awards		$ 36	(36)
Issuance of restricted stock awards, shares		361,000
Exercise of stock options	27	$ 27
Exercise of stock options, shares		266,000
Repurchase of common stock	(12,014)				(12,014)
Shares withheld related to net share settlement	(2,786)	$ (28)	(2,758)
Shares withheld related to net share settlement, shares		(273,000)
Share-based compensation	5,599		5,599
Net income	26,730			26,730
Ending Balance at Dec. 31, 2020	272,123	$ 1,385	105,483	227,343	(62,088)
Ending Balance, shares at Dec. 31, 2020		13,851,000
Cash dividends	(9,925)			(9,925)
Issuance of restricted stock awards		$ 22	(22)
Issuance of restricted stock awards, shares		219,000
Exercise of stock options	$ 46	$ 46
Exercise of stock options, shares	453,000	453,000
Repurchase of common stock	$ (67,442)				(67,442)
Shares withheld related to net share settlement	(8,233)	$ (37)	(8,196)
Shares withheld related to net share settlement, shares		(366,000)
Share-based compensation	7,399		7,399
Short-swing profit disgorgement	81		81
Net income	88,687			88,687
Ending Balance at Dec. 31, 2021	$ 282,736	$ 1,416	$ 104,745	$ 306,105	$ (129,530)
Ending Balance, shares at Dec. 31, 2021		14,157,000

Consolidated Statements of Cash

Consolidated Statements of Cash Flows $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Cash flows from operating activities:
Net income	$ 88,687	$ 26,730	$ 44,732
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	89,015	123,810	99,611
Depreciation and amortization	11,653	13,308	10,856
Amortization of deferred originations fees and costs	(15,776)	(14,966)	(15,243)
Loss on disposal of property and equipment	161	180	94
Share-based compensation	7,399	5,599	5,147
Fair value adjustment on interest rate caps	(2,721)	261	249
Deferred income taxes, net	(4,299)	676	(1,366)
Changes in operating assets and liabilities:
Increase in unearned insurance premiums	13,292	5,954	9,651
Increase in lease assets	(1,605)	(678)	(4,346)
Increase in other assets	(8,443)	(6,553)	(850)
Increase in accounts payable and accrued expenses	10,153	9,927	5,240
Increase in lease liabilities	1,499	731	4,415
Net cash provided by operating activities	189,015	164,979	158,190
Cash flows from investing activities:
Originations of finance receivables	(1,452,634)	(1,072,599)	(1,285,005)
Repayments of finance receivables	1,104,437	986,263	1,023,589
Purchases of intangible assets	(3,273)	(1,417)	(1,603)
Purchases of property and equipment	(3,588)	(3,933)	(5,804)
Proceeds from disposal of property and equipment		2	59
Net cash used in investing activities	(355,058)	(91,684)	(268,764)
Cash flows from financing activities:
Advances on revolving credit facilities	1,901,870	1,283,242	1,626,090
Payments on revolving credit facilities	(1,985,601)	(1,352,053)	(1,586,759)
Payments on amortizing loan			(21,613)
Advances on securitizations	573,700	180,000	130,000
Payments on securitizations	(150,857)	(150,000)
Payments for debt issuance costs	(8,907)	(3,170)	(4,891)
Taxes paid related to net share settlement of equity awards	(9,951)	(1,635)	(939)
Short-swing profit disgorgement	81
Cash dividends	(9,537)	(2,216)
Repurchases of common stock	(67,442)	(12,014)	(25,028)
Net cash provided by (used in) financing activities	243,356	(57,846)	116,860
Net change in cash and restricted cash	77,313	15,449	6,286
Cash and restricted cash at beginning of period	71,876	56,427	50,141
Cash and restricted cash at end of period	149,189	71,876	56,427
Supplemental cash flow information:
Interest paid	29,428	31,993	35,478
Income taxes paid	23,077	7,130	14,695
Operating leases paid	9,729	8,251	7,379
Non-cash lease assets and liabilities acquired	9,717	7,910	$ 10,102
Non-cash dividends payable	$ 388	$ 78

Consolidated Statements of Ca_2

Consolidated Statements of Cash Flows (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Statement Of Cash Flows [Abstract]
Cash	$ 10,507	$ 8,052	$ 2,263	$ 3,657
Restricted cash	138,682	63,824	54,164	46,484
Total cash and restricted cash	$ 149,189	$ 71,876	$ 56,427	$ 50,141

Nature of Business

Nature of Business	12 Months Ended
	Dec. 31, 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 ”) accounting model requires earlier recognition of credit losses compared to the prior incurred loss approach. This could result in larger allowance for credit loss releases in periods of portfolio liquidation, and larger provisions for credit losses in periods of portfolio growth compared to prior years. Consequently, the Company experiences seasonal fluctuations in its operating results and cash needs. However, changes in borrower assistance programs and customer access to external economic stimulus measures related to the COVID-19 pandemic have impacted the Company’s typical seasonal trends for loan volume and delinquency.

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Significant Accounting Policies	Note 2. Significant Accounting Policies The following is a description of significant accounting policies used in preparing the financial statements. The accounting and reporting policies of the Company are in accordance with U.S. Generally Accepted Accounting Principles (“ GAAP Business segments: The Company has one reportable segment, which is the consumer finance segment. 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 credit enhancements to the lenders and investors, which may include overcollateralization, subordination of interests, excess spread, and reserve funds. 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. Treasury stock: The Company records the repurchase of shares of its common stock at cost on the settlement date of the transaction. These shares are considered treasury stock, which is a reduction to stockholders’ equity. Treasury stock is included in authorized and issued shares but excluded from outstanding shares. 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. Estimates that are susceptible to change relate to the determination of the allowance for credit losses, the valuation of deferred tax assets and liabilities, and the fair value of financial instruments. Reclassifications and revisions: 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. Revision: Subsequent to issuance of the September 30, 2021 financial statements, the Company concluded that certain cash flow statement line items should be broken out to reflect cash receipts and cash payments on a gross basis, rather than net. As a result, the net originations of finance receivables, net advances (payments) on senior revolving credit facility, net advances (payments) on revolving warehouse credit facilities, and net advances on securitizations line items have been updated to reflect a gross presentation. The Company also concluded that the amortization of deferred origination fees and costs, accrued interest receivables, and unearned insurance premiums included in the net originations of finance receivables (previously in investing activities) and accrued interest payables included in debt (previously in financing activities) should be included in operating activities. These changes will classify cash flows related to interest received on finance receivables and interest paid on debt as operating activities and cash flows related to net loan origination fees and costs as investing activities. To correct these classification errors, amounts previously reported have been reclassified for the years ended December 31, 2020 and 2019. Impacts for the year ended December 31, 2020 included a decrease in net cash provided by operating activities of $7.2 million, a decrease in net cash used in investing activities of $6.7 million, and an increase in net cash provided by financing activities of $0.5 million. Impacts for the year ended December 31, 2019 included a decrease in net cash provided by operating activities of $6.9 million and a decrease in net cash used in investing activities of $6.9 million. 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 automobile purchase loans that are collateralized primarily by the purchased automobiles. 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 ”) / Loss Given Default (“ LGD ”) model to estimate its base allowance for credit losses, in which the estimated loss is equal to the product of PD and LGD. Historical static pools of net finance receivables are tracked over the term of the pools to identify the incidences of loss (PDs) and the average severity of losses (LGDs). 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. Delinquency: The Company determines past due status using the contractual terms of the finance receivable. Delinquency is one of the primary credit quality indicators used to evaluate the allowance for credit losses for each class of finance receivables. Property and equipment: Leasehold improvements are depreciated over the shorter of their useful lives or the remaining term of the lease. Furniture and equipment are depreciated on the straight-line method over their estimated useful lives, generally five to ten years. Maintenance and repairs are charged to expense as incurred. Leases: The Company leases its current headquarters building. Branch offices are leased under non-cancellable leases of three to seven years with renewal options. The Company’s lease liability is based on the present value of the remaining minimum rental payments using a discount rate that is based on the Company’s incremental borrowing rate on its senior revolving credit facility. The Company’s lease asset includes right-of-use assets equaling the lease liability, net of prepaid rent and deferred rents that existed as of the adoption of the current lease accounting standard. The Company assesses its leased assets for impairment when events or changes in circumstances indicate that the carrying value may not be recoverable. If a lease is impaired, the impairment loss is recognized in lease costs and the right-of-use asset is reduced to the impaired value. Lease agreements with terms of twelve months or less are not capitalized as part of lease assets or liabilities and are expensed as incurred. The Company accounts for each separate lease component of a contract and its associated non-lease components as a single lease component for its branch leases. The Company has elected not to apply this policy in relation to the corporate headquarters lease. The Company has also determined that it is reasonably certain that the first option to extend lease contracts will be exercised for new branch locations; therefore, the first option to extend is included in the lease asset and liability calculation. Restricted cash: Restricted cash includes cash and cash equivalents for which the Company’s ability to withdraw funds is contractually limited. The Company’s restricted cash consists of cash reserves that are maintained as collateral for potential credit life insurance claims and cash restricted for debt servicing of the Company’s revolving warehouse credit facilities and securitizations. Derivative instruments: The Company holds derivative instruments in the form of interest rate caps for the purpose of mitigating a portion of its exposure to interest rate risk. Derivative instruments are recorded at fair value and included in other assets, with their resulting gains or losses recognized in interest expense. Changes in fair value are reported as an adjustment to net income in computing cash flows from operating activities. Income recognition: Interest income is recognized using the interest method (constant yield method). Therefore, the Company recognizes revenue from interest at an equal rate over the term of the loan. Unearned finance charges on pre-compute contracts are rebated to customers utilizing statutory methods, which in many cases is the sum-of-the-years’ digits method. The difference between income recognized under the constant yield method and the statutory method is recognized as an adjustment to interest income at the time of rebate. The Company recognizes income on credit life insurance, credit property insurance, and automobile insurance using the sum-of-the-years’ digits or straight-line methods over the terms of the policies. The Company recognizes income on credit accident and health insurance using the average of the sum-of-the-years’ digits and the straight-line methods over the terms of the policies. The Company recognizes income on credit involuntary unemployment insurance using the straight-line method over the terms of the policies. Rebates are computed using statutory methods, which in many cases match the GAAP method, and where it does not match, the difference between the GAAP method and the statutory method is recognized in income at the time of rebate. Fee income for non-file insurance is recognized using the sum-of-the-years’ digits method over the loan term. Charges for late fees are recognized as income when collected. 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 receivable origination fees and costs: Non-refundable fees received and direct costs (personnel and digital loan origination costs) incurred for the origination of finance receivables are deferred and recognized to interest income over their contractual lives using the constant yield method. Unamortized amounts are recognized in interest income at the time that finance receivables are paid in full, renewed, or charged off. Share-based compensation: The Company measures compensation cost for share-based awards at estimated fair value and recognizes compensation expense over the service period for awards expected to vest. The Company uses the closing stock price on the date of grant as the fair value of restricted stock awards. The fair value of stock options is determined using the Black-Scholes valuation model. The Black-Scholes model requires the input of assumptions, including expected volatility, expected dividends, expected life, and risk-free interest rate, changes to which can affect the fair value estimate. 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. In addition, the estimation of share-based awards that will ultimately vest requires judgment, and to the extent actual results or updated estimates differ from current estimates, such amounts will be recorded as a cumulative adjustment in the period estimates are revised. Marketing costs: Marketing costs are expensed as incurred. Income taxes: The Company records a tax provision for the anticipated tax consequences of its reported operating results. The provision for income taxes is computed using the asset and liability method, under which deferred tax assets and liabilities are recognized for the future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effects of future tax rate changes are recognized in the period when the enactment of new rates occurs. The Company recognizes the financial statement effects of a tax position when it is more likely than not, based on technical merits, the position will be sustained upon examination. The tax benefits of the position recognized in the consolidated financial statements are then measured based on the largest amount of benefit that is greater than 50% likely to be realized upon settlement with a taxing authority. The Company recognizes the tax benefits or deficiencies from the exercise or vesting of share-based awards in the income tax line of the consolidated statements of income, in the period of exercise or vesting. Earnings per share: Earnings per share have been computed based on the weighted-average number of common shares outstanding during each reporting period presented. Common shares issuable upon the exercise of share-based compensation, which are computed using the treasury stock method, are included in the computation of diluted earnings per share.

Concentrations of Credit Risk

Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2021
Risks And Uncertainties [Abstract]
Concentrations of Credit Risk	Note 3. Concentrations of Credit Risk Customers living in South Carolina, Texas, and North Carolina accounted for 14%, 32%, and 15%, respectively, of the Company’s net finance receivables in 2021. Given the primary concentration of the Company’s portfolio of finance receivables in these states, such customers’ ability to honor their installment contracts may be affected by economic conditions in these states. The Company also has a risk that its customers will seek protection from creditors by filing under the bankruptcy laws. When a customer files for bankruptcy protection, the Company must cease collection efforts and petition the bankruptcy court to obtain its collateral or work out a court-approved bankruptcy plan involving the Company and all other creditors of the customer. It is the Company’s experience that such plans can take an extended period of time to conclude and usually involve a reduction in the interest rate from the rate in the contract to a court-approved rate. The Company maintains amounts in bank accounts which, at times, may exceed federally insured limits. The Company has not experienced losses in such accounts, which are maintained with large domestic banks. Management believes the Company’s exposure to credit risk is minimal for these accounts.

Finance Receivables, Credit Qua

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Finance Receivables, Credit Quality Information, and Allowance for Credit Losses	Note 4. Finance Receivables, Credit Quality Information, and Allowance for Credit Losses Finance receivables for the periods indicated consisted of the following: December 31, Dollars in thousands 2021 2020 Small loans $ 445,023 $ 403,062 Large loans 969,351 715,210 Automobile loans 1,343 3,889 Retail loans 10,540 14,098 Net finance receivables $ 1,426,257 $ 1,136,259 Net finance receivables included net deferred origination fees of $14.2 million and $12.6 million as of December 31, 2021 and 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 December 31, 2021 are as follows: Net Finance Receivables by Origination Year Dollars in thousands 2021 2020 2019 2018 2017 Prior Total Net Finance Receivables Small Loans: FICO Band 1 $ 71,720 $ 11,243 $ 2,202 $ 208 $ 44 $ 6 $ 85,423 2 48,507 5,805 856 33 11 3 55,215 3 52,113 6,278 764 24 5 1 59,185 4 56,631 6,834 689 31 8 1 64,194 5 57,058 8,484 615 14 2 1 66,174 6 96,149 17,837 835 7 3 1 114,832 Total small loans $ 382,178 $ 56,481 $ 5,961 $ 317 $ 73 $ 13 $ 445,023 Large Loans: FICO Band 1 $ 41,865 $ 19,447 $ 9,940 $ 2,714 $ 979 $ 483 $ 75,428 2 40,795 12,814 4,815 594 106 93 59,217 3 112,048 26,041 11,398 1,412 147 38 151,084 4 136,901 34,382 14,890 1,622 197 23 188,015 5 130,375 34,278 14,021 1,730 146 18 180,568 6 229,184 59,579 23,054 2,998 186 38 315,039 Total large loans $ 691,168 $ 186,541 $ 78,118 $ 11,070 $ 1,761 $ 693 $ 969,351 Automobile Loans: FICO Band 1 $ — $ — $ — $ — $ 395 $ 166 $ 561 2 — — — — 149 78 227 3 — — — — 225 80 305 4 — — — — 87 27 114 5 — — — — 19 50 69 6 — — — — 49 18 67 Total automobile loans $ — $ — $ — $ — $ 924 $ 419 $ 1,343 Retail Loans: FICO Band 1 $ 19 $ 137 $ 207 $ 25 $ 1 $ 2 $ 391 2 161 86 150 13 1 — 411 3 1,177 338 156 17 4 4 1,696 4 1,699 840 363 56 4 2 2,964 5 1,415 678 337 46 7 1 2,484 6 1,563 702 295 30 2 2 2,594 Total retail loans $ 6,034 $ 2,781 $ 1,508 $ 187 $ 19 $ 11 $ 10,540 Total Loans: FICO Band 1 $ 113,604 $ 30,827 $ 12,349 $ 2,947 $ 1,419 $ 657 $ 161,803 2 89,463 18,705 5,821 640 267 174 115,070 3 165,338 32,657 12,318 1,453 381 123 212,270 4 195,231 42,056 15,942 1,709 296 53 255,287 5 188,848 43,440 14,973 1,790 174 70 249,295 6 326,896 78,118 24,184 3,035 240 59 432,532 Total loans $ 1,079,380 $ 245,803 $ 85,587 $ 11,574 $ 2,777 $ 1,136 $ 1,426,257 Net finance receivables by product, FICO band, and origination year as of December 31, 2020 are as follows: Net Finance Receivables by Origination Year Dollars in thousands 2020 2019 2018 2017 2016 Prior Total Net Finance Receivables Small Loans: FICO Band 1 $ 71,903 $ 17,229 $ 1,947 $ 209 $ 34 $ 12 $ 91,334 2 38,548 7,538 595 40 6 3 46,730 3 39,864 7,942 580 27 2 3 48,418 4 42,972 8,446 589 18 3 1 52,029 5 45,678 10,322 505 13 4 — 56,522 6 86,293 20,975 739 20 2 — 108,029 Total small loans $ 325,258 $ 72,452 $ 4,955 $ 327 $ 51 $ 19 $ 403,062 Large Loans: FICO Band 1 $ 46,971 $ 25,644 $ 7,515 $ 2,991 $ 741 $ 335 $ 84,197 2 35,514 14,256 2,405 562 106 97 52,940 3 72,192 34,235 6,287 1,123 51 53 113,941 4 86,483 41,440 6,762 1,193 61 19 135,958 5 79,936 38,027 7,049 1,342 20 16 126,390 6 129,706 58,564 11,635 1,800 65 14 201,784 Total large loans $ 450,802 $ 212,166 $ 41,653 $ 9,011 $ 1,044 $ 534 $ 715,210 Automobile Loans: FICO Band 1 $ — $ — $ — $ 901 $ 582 $ 229 $ 1,712 2 — — — 374 293 49 716 3 — — — 481 237 23 741 4 — — — 226 89 33 348 5 — — — 69 105 10 184 6 — — — 105 81 2 188 Total automobile loans $ — $ — $ — $ 2,156 $ 1,387 $ 346 $ 3,889 Retail Loans: FICO Band 1 $ 439 $ 893 $ 236 $ 18 $ 1 $ 1 $ 1,588 2 267 676 217 14 1 1 1,176 3 847 715 263 20 3 2 1,850 4 1,677 1,320 546 43 1 2 3,589 5 1,364 1,076 436 51 1 1 2,929 6 1,412 1,057 449 44 2 2 2,966 Total retail loans $ 6,006 $ 5,737 $ 2,147 $ 190 $ 9 $ 9 $ 14,098 Total Loans: FICO Band 1 $ 119,313 $ 43,766 $ 9,698 $ 4,119 $ 1,358 $ 577 $ 178,831 2 74,329 22,470 3,217 990 406 150 101,562 3 112,903 42,892 7,130 1,651 293 81 164,950 4 131,132 51,206 7,897 1,480 154 55 191,924 5 126,978 49,425 7,990 1,475 130 27 186,025 6 217,411 80,596 12,823 1,969 150 18 312,967 Total loans $ 782,066 $ 290,355 $ 48,755 $ 11,684 $ 2,491 $ 908 $ 1,136,259 The contractual delinquency of the finance receivable portfolio by product and aging for the periods indicated are as follows: December 31, 2021 Small Large Automobile Retail Total Dollars in thousands $ % $ % $ % $ % $ % Current $ 366,775 82.5 % $ 860,968 88.8 % $ 887 66.0 % $ 8,535 81.0 % $ 1,237,165 86.7 % 1 to 29 days past due 38,454 8.6 % 64,119 6.6 % 372 27.7 % 1,256 11.9 % 104,201 7.3 % Delinquent accounts 30 to 59 days 11,244 2.5 % 13,754 1.5 % 23 1.7 % 262 2.5 % 25,283 1.9 % 60 to 89 days 9,436 2.1 % 10,771 1.1 % 17 1.3 % 171 1.6 % 20,395 1.4 % 90 to 119 days 7,868 1.8 % 7,960 0.8 % 11 0.9 % 123 1.2 % 15,962 1.0 % 120 to 149 days 5,897 1.3 % 6,462 0.7 % 18 1.3 % 89 0.8 % 12,466 0.9 % 150 to 179 days 5,349 1.2 % 5,317 0.5 % 15 1.1 % 104 1.0 % 10,785 0.8 % Total delinquency $ 39,794 8.9 % $ 44,264 4.6 % $ 84 6.3 % $ 749 7.1 % $ 84,891 6.0 % Total net finance receivables $ 445,023 100.0 % $ 969,351 100.0 % $ 1,343 100.0 % $ 10,540 100.0 % $ 1,426,257 100.0 % Net finance receivables in nonaccrual status $ 21,285 4.8 % $ 23,405 2.4 % $ 90 6.7 % $ 390 3.7 % $ 45,170 3.2 % December 31, 2020 Small Large Automobile Retail Total Dollars 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 $8.9 million and $10.7 million of accrued interest as a reduction of interest and fee income for the year ended December 31, 2021 and 2020, respectively. The following table illustrates the impacts to the allowance for credit losses for the periods indicated: Year Ended December 31, Dollars in thousands 2021 2020 Beginning balance $ 150,000 $ 62,200 Impact of CECL adoption — 60,100 COVID-19 reserve build (release) (16,000 ) 30,400 General reserve build (release) due to portfolio change 25,300 (2,700 ) Ending balance $ 159,300 $ 150,000 Allowance for credit losses as a percentage of net finance receivables 11.2 % 13.2 % The Company adopted CECL accounting on January 1, 2020, and increased the allowance for credit losses from $62.2 million, or 5.5% of net finance receivables, to $122.3 million, or 10.8% of net finance receivables. 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. During the years ended December 31, 2021 and 2020, the allowance for credit losses included a net build of $25.3 million and a net release of $2.7 million related to portfolio change, respectively. As of December 31, 2021 and 2020, the allowance for credit losses included $14.4 million and $30.4 million of reserves related to the expected economic impact of the COVID-19 pandemic, respectively. The Company ran several macroeconomic stress scenarios, and its final forecast assumes a resumption of normal unemployment rates at the end of 2022. The following are reconciliations of the allowance for credit losses by product for the years ended December 31, 2021, 2020, and 2019: Dollars 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 40,982 48,135 (360 ) 258 89,015 Credit losses (40,922 ) (41,098 ) (281 ) (1,351 ) (83,652 ) Recoveries 1,824 1,966 74 73 3,937 Ending balance at December 31, 2021 $ 61,294 $ 96,278 $ 216 $ 1,512 $ 159,300 Net finance receivables at December 31, 2021 $ 445,023 $ 969,351 $ 1,343 $ 10,540 $ 1,426,257 Allowance as percentage of net finance receivables at December 31, 2021 13.8 % 9.9 % 16.1 % 14.3 % 11.2 % Dollars 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 57,271 65,032 (143 ) 1,650 123,810 Credit losses (55,144 ) (42,447 ) (583 ) (2,662 ) (100,836 ) Recoveries 2,510 1,992 90 134 4,726 Ending balance at December 31, 2020 $ 59,410 $ 87,275 $ 783 $ 2,532 $ 150,000 Net finance receivables at December 31, 2020 $ 403,062 $ 715,210 $ 3,889 $ 14,098 $ 1,136,259 Allowance as percentage of net finance receivables at December 31, 2020 14.7 % 12.2 % 20.1 % 18.0 % 13.2 % Dollars in thousands Small Large Automobile Retail Total Beginning balance at January 1, 2019 $ 30,759 $ 23,702 $ 1,893 $ 1,946 $ 58,300 Provision for credit losses 54,842 41,278 575 2,916 99,611 Credit losses (57,323 ) (37,475 ) (1,893 ) (3,365 ) (100,056 ) Recoveries 2,310 1,643 245 147 4,345 Ending balance at December 31, 2019 $ 30,588 $ 29,148 $ 820 $ 1,644 $ 62,200 Net finance receivables at December 31, 2019 $ 467,613 $ 632,068 $ 9,640 $ 24,083 $ 1,133,404 Allowance as percentage of net finance receivables at December 31, 2019 6.5 % 4.6 % 8.5 % 6.8 % 5.5 % 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: December 31, 2021 December 31, 2020 Dollars in thousands TDR Net Finance Receivables TDR Allowance for Credit Losses TDR Net Finance Receivables TDR Allowance for Credit Losses Small loans $ 3,232 $ 1,204 $ 4,991 $ 2,087 Large loans 12,772 3,936 15,140 5,229 Automobile loans 158 51 307 132 Retail loans 60 20 75 32 Total $ 16,222 $ 5,211 $ 20,513 $ 7,480 The following table provides the number and amount of net finance receivables modified and classified as TDRs during the periods presented: Year Ended December 31, 2021 2020 2019 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Small loans 2,522 $ 4,761 4,074 $ 12,677 8,416 $ 23,606 Large loans 2,121 11,290 2,704 8,559 4,632 13,431 Automobile loans 2 13 1 3 12 43 Retail loans 7 14 28 105 75 240 Total 4,652 $ 16,078 6,807 $ 21,344 13,135 $ 37,320 (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 table provides 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: Year Ended December 31, 2021 2020 2019 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Small loans 950 $ 1,740 1,846 $ 3,266 3,161 $ 5,641 Large loans 711 3,709 1,128 5,633 1,674 8,374 Automobile loans 1 10 1 8 6 50 Retail loans 5 9 34 57 44 80 Total 1,667 $ 5,468 3,009 $ 8,964 4,885 $ 14,145 (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.

Property and Equipment

Property and Equipment	12 Months Ended
	Dec. 31, 2021
Property Plant And Equipment [Abstract]
Property and Equipment	Note 5. Property and Equipment For the periods indicated, property and equipment consisted of the following: December 31, Dollars in thousands 2021 2020 Furniture, fixtures, and equipment $ 24,348 $ 24,658 Leasehold improvements 13,503 13,180 Property and equipment cost 37,851 37,838 Less accumulated depreciation 24,913 23,830 Property and equipment, net of accumulated depreciation $ 12,938 $ 14,008 Depreciation expense for the years ended December 31, 2021, 2020, and 2019 totaled $4.5 million, $5.0 million, and $4.3 million, respectively.

Leases

Leases	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Leases	Note 6. Leases The Company maintains lease agreements related to its branch network and for its corporate headquarters. The branch lease agreements range from three to seven years and generally contain options to extend from three to five years. The corporate headquarters lease agreement is for eleven years and contains an option to extend for ten years. All of the Company’s lease agreements are considered operating leases. None of the Company’s lease payments are dependent on an index that may change after the commencement date. Future maturities of the Company’s operating lease liabilities are as follows: Dollars in thousands December 31, 2021 2022 $ 7,248 2023 7,343 2024 6,092 2025 4,425 2026 2,862 Thereafter 7,346 Total future minimum lease payments 35,316 Present value adjustment (4,616 ) Operating lease liability $ 30,700 The Company’s operating and short-term lease expenses are presented below: Year Ended December 31, Dollars in thousands 2021 2020 2019 Operating leases $ 9,573 $ 8,268 $ 7,929 Short-term leases 648 381 435 Total lease expense $ 10,221 $ 8,649 $ 8,364 The Company’s weighted-average remaining lease term and discount rate for the periods indicated are as follows: December 31, 2021 December 31, 2020 Weighted-average remaining lease term (in years) 5.9 5.6 Weighted-average discount rate 4.66 % 4.91 % Rent expense for the years ended December 31, 2021, 2020, and 2019 equaled $10.2 million, $8.8 million, and $8.4 million, respectively. In addition to rent, the Company typically pays for all operating expenses, property taxes, and repairs and maintenance on properties that it leases.

Intangible Assets

Intangible Assets	12 Months Ended
	Dec. 31, 2021
Goodwill And Intangible Assets Disclosure [Abstract]
Intangible Assets	Note 7. Intangible Assets The following table provides the gross carrying amount and related accumulated amortization of intangible assets: December 31, 2021 December 31, 2020 Dollars in thousands Gross Carrying Amount Accumulated Amortization Net Amount Gross Carrying Amount Accumulated Amortization Net Amount Software $ 19,829 $ (11,028 ) $ 8,801 $ 16,588 $ (8,615 ) $ 7,973 Goodwill 950 (234 ) 716 950 (234 ) 716 Total intangible assets $ 20,779 $ (11,262 ) $ 9,517 $ 17,538 $ (8,849 ) $ 8,689 Intangible amortization expense for the years ended December 31, 2021, 2020, and 2019 totaled $2.4 million, $2.2 million, and $2.2 million, respectively. As of December 31, 2021, the Company’s weighted-average amortization period for software was 5.9 years. The following table sets forth the future amortization of intangible assets: Dollars in thousands Amount 2022 $ 2,799 2023 2,676 2024 1,638 2025 592 2026 422 Thereafter 674 Total $ 8,801 The Company performs an annual impairment test on goodwill during the fourth quarter of each fiscal year. There were no goodwill additions or impairment losses for the years ended December 31, 2021, 2020, and 2019, respectively.

Other Assets

Other Assets	12 Months Ended
	Dec. 31, 2021
Deferred Costs Capitalized Prepaid And Other Assets Disclosure [Abstract]
Other Assets	Note 8. Other Assets Other assets include the following as of the periods indicated: December 31, Dollars in thousands 2021 2020 Prepaid expenses $ 8,675 $ 8,949 Interest rate caps 6,586 265 Credit insurance receivable 2,906 3,262 Card payments receivable 2,727 3,170 Other 863 686 Total other assets $ 21,757 $ 16,332

Interest Rate Caps

Interest Rate Caps	12 Months Ended
	Dec. 31, 2021
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Interest Rate Caps	Note 9. Interest Rate Caps The Company has interest rate cap contracts with an aggregate notional principal amount of $550.0 million. Each contract contains a strike rate against the one-month LIBOR (0.10% and 0.14% as of December 31, 2021 and 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 December 31, 2021: Notional Amount Execution Date Effective Date Maturity Date Strike Rate (in thousands) 03/2020 03/2020 03/2023 1.75 % $ 100,000 08/2020 08/2020 08/2023 0.50 % 50,000 09/2020 09/2020 10/2023 0.50 % 100,000 11/2020 11/2020 11/2023 0.25 % 50,000 02/2021 02/2021 02/2024 0.25 % 50,000 03/2021 03/2021 03/2024 0.25 % 50,000 06/2021 06/2021 06/2024 0.25 % 50,000 12/2021 08/2023 02/2026 0.50 % 50,000 12/2021 02/2024 02/2026 0.50 % 50,000 Total notional amount $ 550,000 The following is a summary of changes in fair value of the interest rate caps (included in other assets) for the periods indicated: Year Ended December 31, Dollars in thousands 2021 2020 2019 Balance at beginning of period $ 265 $ — $ 249 Purchases 3,600 526 — Fair value adjustment included as an (increase) decrease in interest expense 2,721 (261 ) (249 ) Balance at end of period $ 6,586 $ 265 $ —

Debt

Debt	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Debt	Note 10. Debt The following is a summary of the Company’s debt as of the periods indicated: December 31, 2021 December 31, 2020 Dollars in thousands Debt Unamortized Debt Issuance Costs Net Debt Debt Unamortized Debt Issuance Costs Net Debt Senior revolving credit facility $ 112,065 $ (1,345 ) $ 110,720 $ 286,113 $ (1,687 ) $ 284,426 RMR II revolving warehouse credit facility 52,469 (1,393 ) 51,076 42,061 (1,486 ) 40,575 RMR IV revolving warehouse credit facility 20,071 (531 ) 19,540 — — — RMR V revolving warehouse credit facility 59,451 (516 ) 58,935 — — — RMIT 2018-2 securitization — — — 130,349 — 130,349 RMIT 2019-1 securitization 109,373 (464 ) 108,909 130,172 (1,216 ) 128,956 RMIT 2020-1 securitization 180,214 (1,442 ) 178,772 180,214 (2,272 ) 177,942 RMIT 2021-1 securitization 248,916 (1,830 ) 247,086 — — — RMIT 2021-2 securitization 200,192 (1,962 ) 198,230 — — — RMIT 2021-3 securitization 125,202 (1,527 ) 123,675 — — — Total $ 1,107,953 $ (11,010 ) $ 1,096,943 $ 768,909 $ (6,661 ) $ 762,248 Unused amount of revolving credit facilities (subject to borrowing base) $ 556,812 $ 438,082 Senior Revolving Credit Facility: In December 2021, the Company amended and restated its senior revolving credit facility to, among other things, decrease the availability under the facility from $640 million to $500 million and extend the maturity of the facility from September 2022 September 2024 on the senior revolving credit facility are capped at 83% of eligible secured finance receivables ( 83% of eligible secured finance receivables as of December 31, 2021 ). As of December 31, 2021 , the Company had $199.2 million of available liquidity under the facility and held $10.5 million in unrestricted cash. Borrowings under the facility bear interest, payable monthly, at rates equal to one-month LIBOR, with a LIBOR floor of 0.50% , plus a 3.00% margin. The effective interest rate was 3.50% at December 31, 2021 . The amended and restated facility provides for a process to transition from LIBOR to a new benchmark in certain circumstances. The Company pays a flat unused line fee of 0.50% . 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 following debt arrangements 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 $107.7 million and $46.6 million as of December 31, 2021 and 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. Distributions from the SPEs to the Company are permitted under the debt arrangements. At each sale of receivables from the Company’s affiliates to the SPEs, the Company makes certain representations and warranties about the quality and nature of the collateralized receivables. The debt arrangements require the Company to repurchase the receivables in certain circumstances, including circumstances in which the representations and warranties made by the Company concerning the quality and characteristics of the receivables are inaccurate. Assets transferred to each SPE are legally isolated from the Company and its affiliates, as well as the claims of the Company’s and its affiliates’ creditors. Further, the assets of each SPE are owned by such SPE and are not available to satisfy the debts or other obligations of the Company or any of its affiliates. RMR II 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 December 31, 2021 to satisfy provisions of the credit agreement. The effective interest rate was 2.60% at December 31, 2021. 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 $0.2 million in restricted cash reserves as of December 31, 2021 to satisfy provisions of the credit agreement. Borrowings under the facility bear interest, payable monthly, at a rate equal to one-month LIBOR, plus a margin of 2.35%. The effective interest rate was 2.45% at December 31, 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 $0.7 million in restricted cash reserves as of December 31, 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 effective interest rate was 2.41% at December 31, 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 had 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 December 31, 2021 to satisfy provisions of the transaction documents. Borrowings under the RMIT 2019-1 securitization bear interest, payable monthly, at an effective interest rate of 3.19% as of December 31, 2021. Prior to maturity in November 2028, the Company may redeem the notes in full, but not in part, at its option on any business day on or after the payment date occurring in November 2021. During the year ended December 31, 2021, the Company made principal repayments of $20.8 million subsequent to the end of the revolving period. See Note 20, “Subsequent Events,” for additional information regarding this securitization. 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 December 31, 2021 to satisfy provisions of the transaction documents. Borrowings under the RMIT 2020-1 securitization bear interest, payable monthly, at an effective interest rate of 2.85% as of December 31, 2021. Prior to maturity in October 2030, the Company may redeem the notes in full, but not in part, at its option on any business day 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 December 31, 2021 to satisfy provisions of the transaction documents. Borrowings under the RMIT 2021-1 securitization bear interest, payable monthly, at an effective interest rate of 2.08% as of December 31, 2021. Prior to maturity in March 2031, the Company may redeem the notes in full, but not in part, at its option on any business day on or after the payment date occurring in March 2024. No payments of principal of the notes will be made during the revolving period. RMIT 2021-2 Securitization: In July 2021, the Company, its wholly owned SPE, RMR III, and the Company’s indirect wholly owned SPE, Regional Management Issuance Trust 2021-2 (“ RMIT 2021-2 ”), completed a private offering and sale of $200 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. RMIT 2021-2 held $2.1 million in restricted cash reserves as of December 31, 2021 to satisfy provisions of the transaction documents. Borrowings under the RMIT 2021-2 securitization bear interest, payable monthly, at an effective interest rate of 2.30% as of December 31, 2021. Prior to maturity in August 2033, the Company may redeem the notes in full, but not in part, at its option on any business day on or after the payment date occurring in August 2026. No payments of principal of the notes will be made during the revolving period. RMIT 2021-3 Securitization: In October 2021, the Company, its wholly owned SPE, RMR III, and the Company’s indirect wholly owned SPE, Regional Management Issuance Trust 2021-3 (“ RMIT 2021-3 ”), completed a private offering and sale of $125 million of asset-backed notes. The transaction consisted of the issuance of fixed-rate, asset-backed notes by RMIT 2021-3. 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 2021-3. The notes have a revolving period ending in September 2026, with a final maturity date in October 2033. RMIT 2021-3 held $1.5 million in restricted cash reserves as of December 31, 2021 to satisfy provisions of the transaction documents. Borrowings under the RMIT 2021-3 securitization bear interest, payable monthly, at an effective interest rate of 3.88% as of December 31, 2021. Prior to maturity in October 2033, the Company may redeem the notes in full, but not in part, at its option on any business day on or after the payment date occurring in October 2024. No payments of principal of the notes will be made during the revolving period. See Note 20, “Subsequent Events,” for information regarding the completion of a private offering and sale of $250 million of asset-backed notes following the end of the year. 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 December 31, 2021, the Company was in compliance with all debt covenants. The following is a summary of estimated future principal payments required on outstanding debt: Dollars in thousands Amount 2022 $ 74,703 2023 126,509 2024 407,407 2025 135,706 2026 148,685 Thereafter 214,943 Total $ 1,107,953

Stockholders' Equity

Stockholders' Equity	12 Months Ended
	Dec. 31, 2021
Stockholders Equity Note [Abstract]
Stockholders' Equity	Note 11. 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 or privately negotiated transactions 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 or privately negotiated transactions in accordance with applicable federal securities laws. The authorization was effective immediately and extended through April 29, 2023. In August 2021, the Company announced that its Board had approved a $20.0 million increase in the amount authorized under the stock repurchase program, from $30.0 million to $50.0 million. The authorization was effective immediately and extended through July 29, 2023. The following is a summary of the Company’s repurchased shares of common stock for the periods indicated: Year Ended December 31, Dollars in thousands, except per share amounts 2021 2020 2019 Common stock repurchased 1,450 435 938 Weighted-average cost per share $ 46.47 $ 27.58 $ 26.65 Total cost of common stock repurchased $ 67,442 $ 12,014 $ 25,028 Quarterly cash dividend: The Board may in its discretion declare and pay cash dividends on the Company’s common stock . The following table presents the dividends declared per share of common stock for the periods indicated: Year Ended December 31, 2021 2020 Dividends declared per common share $ 0.95 $ 0.20 No dividends were paid prior to the three months ended December 31, 2020. See Note 20, “Subsequent Events,” for information regarding the Company’s stock repurchase program and quarterly cash dividend following the end of the fiscal year.

Disclosure About Fair Value of

Disclosure About Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Disclosure About Fair Value of Financial Instruments	Note 12. Disclosure About Fair Value of Financial Instruments The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value: Cash and restricted cash: 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 estimated 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 estimated 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: December 31, 2021 December 31, 2020 Dollars in thousands Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Assets Level 1 inputs Cash $ 10,507 $ 10,507 $ 8,052 $ 8,052 Restricted cash 138,682 138,682 63,824 63,824 Level 2 inputs Interest rate caps 6,586 6,586 265 265 Level 3 inputs Net finance receivables, less unearned insurance premiums and allowance for credit losses 1,219,120 1,323,988 951,714 1,032,558 Liabilities Level 3 inputs Debt 1,107,953 1,098,625 768,909 767,185

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Income Taxes	Note 13. Income Taxes The Company and its subsidiaries file a consolidated federal income tax return. The Company files consolidated or separate state income tax returns as required by individual states in which it operates. The Company is generally no longer subject to federal, state, or local income tax examinations by taxing authorities before 2017, though the Company remains subject to examination for the Texas tax return for the 2016 tax year. Income tax expense differed from the amount computed by applying the federal income tax rate to total income before income taxes as a result of the following: Year Ended December 31, 2021 2020 2019 Dollars in thousands $ % $ % $ % Federal tax expense at statutory rate $ 23,619 21.0 % $ 7,545 21.0 % $ 12,389 21.0 % Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 2,620 2.3 % 1,086 3.0 % 1,961 3.3 % Non-deductible compensation 672 0.6 % 837 2.3 % 362 0.6 % Excess tax benefits from share-based awards (2,711 ) (2.4 )% (93 ) (0.3 )% (152 ) (0.3 )% Other (414 ) (0.4 )% (177 ) (0.4 )% (299 ) (0.4 )% Total tax expense $ 23,786 21.1 % $ 9,198 25.6 % $ 14,261 24.2 % Income tax expense attributable to total income before income taxes consists of the following for the periods indicated: Year Ended December 31, Dollars in thousands 2021 2020 2019 Current: Federal $ 24,735 $ 5,874 $ 13,270 State and local 3,350 2,648 2,357 28,085 8,522 15,627 Deferred: Federal (4,169 ) 585 (1,298 ) State and local (130 ) 91 (68 ) (4,299 ) 676 (1,366 ) Total $ 23,786 $ 9,198 $ 14,261 Net deferred tax assets and liabilities consist of the following as of the periods indicated: December 31, Dollars in thousands 2021 2020 Deferred tax assets: Allowance for credit losses $ 37,179 $ 35,400 Unearned insurance commissions 7,930 5,932 Lease liability 7,223 6,863 Accrued expenses 3,949 2,296 Share-based compensation 1,942 2,530 Unearned premium reserves 517 — CARES Act payroll tax deferral 349 739 State net operating loss carryforward 310 457 Other 154 493 Gross deferred tax assets 59,553 54,710 Deferred tax liabilities: Fair market value adjustment of net finance receivables 26,995 26,748 Lease assets 6,763 6,372 Depreciation and software amortization 3,779 4,000 Deferred loan costs 2,581 1,757 Prepaid expenses 899 1,207 Other 116 505 Gross deferred tax liabilities 41,133 40,589 Net deferred tax asset $ 18,420 $ 14,121 The Company had a state net operating loss carryforward of approximately $10.6 million as of December 31, 2021. This carryforward is available to offset future taxable income. If not used, the carryforward will expire beginning in 2032. Companies are not permitted to recognize the tax benefit attributable to a tax position unless such position is more likely than not to be sustained upon examination by taxing authorities, based solely on the technical merits of the position. The Company had $0.8 million of unrecognized tax benefits as of December 31, 2019. Included in these amounts were interest and penalties accrued related to unrecognized tax benefits of $52 thousand for the year ended December 31, 2019. These components are included in the income tax line of the consolidated statements of income. As of and for the year ended December 31, 2020 and since, the Company has neither required nor included an unrecognized tax benefit. The following schedule reconciles unrecognized tax positions for the periods indicated: Year Ended December 31, Dollars in thousands 2021 2020 2019 Balance at January 1 $ — $ 815 $ — Additions based on tax positions related to the current year — — 363 Additions for tax positions of prior years — — 452 Reductions for tax positions of prior years — (815 ) — Settlements — — — Balance at December 31 $ — $ — $ 815

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Earnings Per Share	Note 14. Earnings Per Share The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated: Year Ended December 31, Dollars in thousands, except per share amounts 2021 2020 2019 Numerator: Net income $ 88,687 $ 26,730 $ 44,732 Denominator: Weighted-average shares outstanding for basic earnings per share 10,034 10,930 11,401 Effect of dilutive securities 609 215 372 Weighted-average shares adjusted for dilutive securities 10,643 11,145 11,773 Earnings per share: Basic $ 8.84 $ 2.45 $ 3.92 Diluted $ 8.33 $ 2.40 $ 3.80 Options to purchase 11 thousand, 0.3 million, and 0.3 million shares of common stock were outstanding during the years ended December 31, 2021, 2020, and 2019, respectively, but were not included in the computation of diluted earnings per share because they were anti-dilutive.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2021
Postemployment Benefits [Abstract]
Employee Benefit Plans	Note 15. Employee Benefit Plans Retirement savings plan: The Company has a defined contribution employee benefit plan (401(k) plan) covering full-time employees who have at least six months of service. The Company made a matching contribution equal to 100 percent of the first three percent of an employee’s gross income and 50 percent of the next two percent of gross income in 2021, 2020, and 2019. For the years ended December 31, 2021, 2020, and 2019, the Company recorded expense for the Company’s match of $1.8 million, $1.6 million, and $1.5 million, respectively.

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2021
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract]
Share-Based Compensation	Note 16. Share-Based Compensation The Company previously adopted the 2007 Management Incentive Plan (the “ 2007 Plan 2011 Plan 2015 Plan For the years ended December 31, 2021, 2020, and 2019, the Company recorded share-based compensation expense of $7.4 million, $5.6 million, and $5.1 million, respectively. As of December 31, 2021, unrecognized share-based compensation expense to be recognized over future periods approximated $10.1 million. This amount will be recognized as expense over a weighted-average period of 1.8 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 participant 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: In the years ended December 31, 2021, 2020, and 2019, t he Company issue d 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 basic earnings 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: Year Ended December 31, 2021 2020 2019 Expected volatility 47.83 % 45.36 % 41.06 % Expected dividends 2.63 % 0.34 % 0.00 % Expected term (in years) 6.0 6.0 6.0 Risk-free rate 0.64 % 0.68 % 2.41 % 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 year ended December 31, 2021: Dollars 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 (453 ) 19.39 Forfeited — — Expired (3 ) 16.30 Options outstanding at December 31, 2021 589 $ 22.50 6.6 $ 20,574 Options exercisable at December 31, 2021 443 $ 21.19 5.8 $ 16,068 The following table provides additional stock option information for the periods indicated: Year Ended December 31, Dollars in thousands, except per share amounts 2021 2020 2019 Weighted-average grant date fair value per share $ 10.52 $ 7.80 $ 11.82 Intrinsic value of options exercised $ 11,711 $ 2,896 $ 265 Fair value of stock options that vested $ 1,063 $ 994 $ 1,126 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 are achieved over the performance period. Compensation cost is estimated based on expected performance and is adjusted at each reporting period. The following table summarizes RSU activity during the year ended December 31, 2021: Dollars 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 December 31, 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: Year Ended December 31, Dollars in thousands, except per unit amounts 2021 2020 2019 Weighted-average grant date fair value per unit $ 30.22 $ 15.86 $ 27.89 Fair value of RSUs that vested $ 1,199 $ 1,314 $ 916 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 restricted stock activity during the year ended December 31, 2021: Dollars 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 191 35.18 Vested (224 ) 21.81 Forfeited (14 ) 24.56 Non-vested shares at December 31, 2021 219 $ 30.32 The following table provides additional restricted stock information: Year Ended December 31, Dollars in thousands, except per share amounts 2021 2020 2019 Weighted-average grant date fair value per share $ 35.18 $ 19.06 $ 27.02 Fair value of RSAs that vested $ 4,874 $ 3,760 $ 2,803

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2021
Commitments And Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 17. Commitments and Contingencies In the normal course of business, the Company has been named as a defendant in legal actions in connection with its activities. Some of the actual or threatened legal actions include claims for compensatory damages or claims for indeterminate amounts of damages. The Company contests liability and the amount of damages, as appropriate, in each pending matter. Where available information indicates that it is probable that a liability has been incurred and the Company can reasonably estimate the amount of that loss, the Company accrues the estimated loss by a charge to net income. However, in many legal actions, it is inherently difficult to determine whether any loss is probable, or even reasonably possible, or to estimate the amount of loss. This is particularly true for actions that are in their early stages of development or where plaintiffs seek indeterminate damages. In addition, even where a loss is reasonably possible or an exposure to loss exists in excess of the liability already accrued, it is not always possible to reasonably estimate the size of the possible loss or range of loss. Before a loss, additional loss, range of loss, or range of additional loss can be reasonably estimated for any given action, numerous issues may need to be resolved, including through lengthy discovery, following determination of important factual matters, and/or by addressing novel or unsettled legal questions. For certain other legal actions, the Company can estimate reasonably possible losses, additional losses, ranges of loss, or ranges of additional loss in excess of amounts accrued, but the Company does not believe, based on current knowledge and after consultation with counsel, that such losses will have a material adverse effect on the consolidated financial statements. While the Company will continue to identify legal actions where it believes a material loss to be reasonably possible and reasonably estimable, there can be no assurance that material losses will not be incurred from claims that the Company has not yet been notified of or are not yet determined to be probable, or reasonably possible and reasonable to estimate. The Company expenses legal costs as they are incurred.

Insurance Products and Reinsura

Insurance Products and Reinsurance of Certain Risks	12 Months Ended
	Dec. 31, 2021
Insurance [Abstract]
Insurance Products and Reinsurance of Certain Risks	Note 18. Insurance Products and Reinsurance of Certain Risks RMC Reinsurance, Ltd. is a wholly-owned insurance subsidiary of the Company. The Company sells optional insurance products to its customers in connection with its lending operations. These optional products include credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance. The type and terms of our optional insurance products vary from state to state based on applicable laws and regulations. Insurance premiums are remitted to an unaffiliated company that issues the policy to the customer. This unaffiliated company cedes the premiums to RMC Reinsurance, Ltd. Life insurance premiums are ceded to the Company as written and non-life products are ceded as earned. Unearned insurance premiums represent insurance premiums, net of premiums held by the unaffiliated insurance underwriter, that will be earned over the terms of the policies. The Company maintains a restricted cash reserve for life insurance claims in an amount determined by the ceding company. At December 31, 2021 and 2020, the restricted cash reserves consisted of $18.5 million and $11.0 million of unearned premium reserves and $1.3 million and $0.9 million of unpaid claim reserves, respectively. For non-life products, the Company had no unpaid claim reserves at both December 31, 2021 and 2020, as claim reserves are paid by the Company to the unaffiliated insurance underwriter as they are incurred. For the year ended December 31, 2021, non-life unpaid claim reserves, included in insurance income, net as presented in the table below, decreased $ 0.4 million. For the years ended December 31, 2020 and 2019, non-life unpaid claim reserves increased $ 1.1 million and $ 0.8 million, respectively. Insurance income, net consists primarily of earned premiums, net of certain direct costs, from the sale of various optional payment and collateral protection insurance products offered to customers who obtain loans directly from the Company. Earned premiums are accounted for over the period of the underlying reinsured policies using assumptions consistent with the policy terms. Direct costs included in insurance income, net are claims paid, changes in claims reserves, ceding fees, and premium taxes paid. The Company does not allocate to insurance income, net, any other head office or branch administrative costs associated with managing its insurance operations, managing its captive insurance company, marketing and selling insurance products, legal and compliance review, or internal audits. The following table summarizes the components of insurance income, net during the years ended December 31, 2021, 2020, and 2019: Insurance Premiums and Direct Expenses Dollars in thousands 2021 2020 2019 Earned premiums $ 53,218 $ 42,816 $ 35,544 Claims, reserves, and certain direct expenses (17,736 ) (14,467 ) (14,727 ) Insurance income, net $ 35,482 $ 28,349 $ 20,817 Apart from the various optional payment and collateral protection insurance products that the Company offers to customers, on certain loans, the Company also collects a fee from customers and, in turn, purchases non-file insurance from an unaffiliated insurance company for its benefit in lieu of recording and perfecting its security interest in personal property collateral. Non-file insurance protects the Company from credit losses where, following an event of default, it is unable to take possession of personal property collateral because its security interest is not perfected (for example, in certain instances where a customer files for bankruptcy). In such circumstances, non-file insurance generally will pay to the Company an amount equal to the lesser of the loan balance or the collateral value.

Quarterly Information (unaudite

Quarterly Information (unaudited)	12 Months Ended
	Dec. 31, 2021
Quarterly Financial Information Disclosure [Abstract]
Quarterly Information (unaudited)	Note 19. Quarterly Information (unaudited) The following tables summarize the Company’s quarterly financial information for each of the four quarters of 2021 and 2020: 2021 Dollars in thousands, except per share amounts First Second Third Fourth Total revenue $ 97,731 $ 99,676 $ 111,460 $ 119,484 Provision for credit losses 11,362 20,549 26,096 31,008 General and administrative expenses 45,843 46,389 47,750 55,532 Interest expense 7,135 7,801 8,816 7,597 Income taxes 7,869 4,771 6,577 4,569 Net income $ 25,522 $ 20,166 $ 22,221 $ 20,778 Net income per common share: Basic $ 2.42 $ 1.98 $ 2.25 $ 2.18 Diluted $ 2.31 $ 1.87 $ 2.11 $ 2.04 2020 Dollars in thousands, except per share amounts First Second Third Fourth Total revenue $ 96,074 $ 89,850 $ 90,538 $ 97,444 Provision for credit losses 49,522 27,499 22,089 24,700 General and administrative expenses 46,243 41,525 43,754 44,794 Interest expense 10,159 9,137 9,300 9,256 Income taxes (3,525 ) 4,219 4,157 4,347 Net income (loss) $ (6,325 ) $ 7,470 $ 11,238 $ 14,347 Net income (loss) per common share: Basic $ (0.58 ) $ 0.68 $ 1.02 $ 1.32 Diluted $ (0.56 ) $ 0.68 $ 1.01 $ 1.28

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2021
Subsequent Events [Abstract]
Subsequent Events	Note 20. Subsequent Events Quarterly cash dividend: In February 2022, the Company announced that the Board declared a quarterly cash dividend of $0.30 per share. The dividend will be paid on March 16, 2022 to shareholders of record at the close of business on February 23, 2022. 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 Stock repurchase programs: In January 2022, the Company completed its $30.0 million stock repurchase program previously announced on May 4, 2021 (subsequently increased to $50.0 million on August 3, 2021). The Company repurchased a total of 934 thousand shares pursuant to the program. On February 9, 2022, the Company announced that the Board authorized a new $20.0 million stock repurchase program. The authorization was effective immediately and extends through February 3, 2024. Stock repurchases under the stock repurchase program may be made in the open market at prevailing market prices or through privately negotiated transactions in accordance with applicable federal securities 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. RMIT 2019-1 securitization: In February 2022, the Company and RMR III exercised the right to make an optional repayment in full, and in connection with such prepayment, the securitization terminated in February 2022. RMIT 2022-1 securitization: In February 2022, the Company, its wholly-owned SPE, RMR III, and its indirect wholly-owned SPE, Regional Management Issuance Trust 2022-1 (“ RMIT 2022-1 ”), completed a private offering and sale of $250 million of asset-backed notes. The transaction consisted of the issuance of four classes of fixed-rate asset-backed notes by RMIT 2022-1. 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 2022-1. The notes have a revolving period ending in February 2025, with a final maturity date in March 2032. Borrowings under the RMIT 2022-1 securitization bear interest, payable monthly, at a weighted-average rate of 3.59%. Prior to maturity in March 2032, 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 2025. No payments of principal of the notes will be made during the revolving period.

Significant Accounting Polici_2

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Business segments	Business segments: The Company has one reportable segment, which is the consumer finance segment.
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 credit enhancements to the lenders and investors, which may include overcollateralization, subordination of interests, excess spread, and reserve funds. 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.
Treasury Stock	Treasury stock: The Company records the repurchase of shares of its common stock at cost on the settlement date of the transaction. These shares are considered treasury stock, which is a reduction to stockholders’ equity. Treasury stock is included in authorized and issued shares but excluded from outstanding shares.
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. Estimates that are susceptible to change relate to the determination of the allowance for credit losses, the valuation of deferred tax assets and liabilities, and the fair value of financial instruments.
Reclassifications and Revisions	Reclassifications and revisions: 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. Revision: Subsequent to issuance of the September 30, 2021 financial statements, the Company concluded that certain cash flow statement line items should be broken out to reflect cash receipts and cash payments on a gross basis, rather than net. As a result, the net originations of finance receivables, net advances (payments) on senior revolving credit facility, net advances (payments) on revolving warehouse credit facilities, and net advances on securitizations line items have been updated to reflect a gross presentation. The Company also concluded that the amortization of deferred origination fees and costs, accrued interest receivables, and unearned insurance premiums included in the net originations of finance receivables (previously in investing activities) and accrued interest payables included in debt (previously in financing activities) should be included in operating activities. These changes will classify cash flows related to interest received on finance receivables and interest paid on debt as operating activities and cash flows related to net loan origination fees and costs as investing activities. To correct these classification errors, amounts previously reported have been reclassified for the years ended December 31, 2020 and 2019. Impacts for the year ended December 31, 2020 included a decrease in net cash provided by operating activities of $7.2 million, a decrease in net cash used in investing activities of $6.7 million, and an increase in net cash provided by financing activities of $0.5 million. Impacts for the year ended December 31, 2019 included a decrease in net cash provided by operating activities of $6.9 million and a decrease in net cash used in investing activities of $6.9 million.
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 automobile purchase loans that are collateralized primarily by the purchased automobiles. 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 ”) / Loss Given Default (“ LGD ”) model to estimate its base allowance for credit losses, in which the estimated loss is equal to the product of PD and LGD. Historical static pools of net finance receivables are tracked over the term of the pools to identify the incidences of loss (PDs) and the average severity of losses (LGDs). 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.
Delinquency	Delinquency: The Company determines past due status using the contractual terms of the finance receivable. Delinquency is one of the primary credit quality indicators used to evaluate the allowance for credit losses for each class of finance receivables.
Property and equipment	Property and equipment: Leasehold improvements are depreciated over the shorter of their useful lives or the remaining term of the lease. Furniture and equipment are depreciated on the straight-line method over their estimated useful lives, generally five to ten years. Maintenance and repairs are charged to expense as incurred.
Leases	Leases: The Company leases its current headquarters building. Branch offices are leased under non-cancellable leases of three to seven years with renewal options. The Company’s lease liability is based on the present value of the remaining minimum rental payments using a discount rate that is based on the Company’s incremental borrowing rate on its senior revolving credit facility. The Company’s lease asset includes right-of-use assets equaling the lease liability, net of prepaid rent and deferred rents that existed as of the adoption of the current lease accounting standard. The Company assesses its leased assets for impairment when events or changes in circumstances indicate that the carrying value may not be recoverable. If a lease is impaired, the impairment loss is recognized in lease costs and the right-of-use asset is reduced to the impaired value. Lease agreements with terms of twelve months or less are not capitalized as part of lease assets or liabilities and are expensed as incurred. The Company accounts for each separate lease component of a contract and its associated non-lease components as a single lease component for its branch leases. The Company has elected not to apply this policy in relation to the corporate headquarters lease. The Company has also determined that it is reasonably certain that the first option to extend lease contracts will be exercised for new branch locations; therefore, the first option to extend is included in the lease asset and liability calculation.
Restricted cash	Restricted cash: Restricted cash includes cash and cash equivalents for which the Company’s ability to withdraw funds is contractually limited. The Company’s restricted cash consists of cash reserves that are maintained as collateral for potential credit life insurance claims and cash restricted for debt servicing of the Company’s revolving warehouse credit facilities and securitizations.
Derivative instruments	Derivative instruments: The Company holds derivative instruments in the form of interest rate caps for the purpose of mitigating a portion of its exposure to interest rate risk. Derivative instruments are recorded at fair value and included in other assets, with their resulting gains or losses recognized in interest expense. Changes in fair value are reported as an adjustment to net income in computing cash flows from operating activities.
Income recognition	Income recognition: Interest income is recognized using the interest method (constant yield method). Therefore, the Company recognizes revenue from interest at an equal rate over the term of the loan. Unearned finance charges on pre-compute contracts are rebated to customers utilizing statutory methods, which in many cases is the sum-of-the-years’ digits method. The difference between income recognized under the constant yield method and the statutory method is recognized as an adjustment to interest income at the time of rebate. The Company recognizes income on credit life insurance, credit property insurance, and automobile insurance using the sum-of-the-years’ digits or straight-line methods over the terms of the policies. The Company recognizes income on credit accident and health insurance using the average of the sum-of-the-years’ digits and the straight-line methods over the terms of the policies. The Company recognizes income on credit involuntary unemployment insurance using the straight-line method over the terms of the policies. Rebates are computed using statutory methods, which in many cases match the GAAP method, and where it does not match, the difference between the GAAP method and the statutory method is recognized in income at the time of rebate. Fee income for non-file insurance is recognized using the sum-of-the-years’ digits method over the loan term. Charges for late fees are recognized as income when collected.
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 receivable origination fees and costs	Finance receivable origination fees and costs: Non-refundable fees received and direct costs (personnel and digital loan origination costs) incurred for the origination of finance receivables are deferred and recognized to interest income over their contractual lives using the constant yield method. Unamortized amounts are recognized in interest income at the time that finance receivables are paid in full, renewed, or charged off.
Share-based compensation	Share-based compensation: The Company measures compensation cost for share-based awards at estimated fair value and recognizes compensation expense over the service period for awards expected to vest. The Company uses the closing stock price on the date of grant as the fair value of restricted stock awards. The fair value of stock options is determined using the Black-Scholes valuation model. The Black-Scholes model requires the input of assumptions, including expected volatility, expected dividends, expected life, and risk-free interest rate, changes to which can affect the fair value estimate. 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. In addition, the estimation of share-based awards that will ultimately vest requires judgment, and to the extent actual results or updated estimates differ from current estimates, such amounts will be recorded as a cumulative adjustment in the period estimates are revised.
Marketing costs	Marketing costs: Marketing costs are expensed as incurred.
Income taxes	Income taxes: The Company records a tax provision for the anticipated tax consequences of its reported operating results. The provision for income taxes is computed using the asset and liability method, under which deferred tax assets and liabilities are recognized for the future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effects of future tax rate changes are recognized in the period when the enactment of new rates occurs. The Company recognizes the financial statement effects of a tax position when it is more likely than not, based on technical merits, the position will be sustained upon examination. The tax benefits of the position recognized in the consolidated financial statements are then measured based on the largest amount of benefit that is greater than 50% likely to be realized upon settlement with a taxing authority. The Company recognizes the tax benefits or deficiencies from the exercise or vesting of share-based awards in the income tax line of the consolidated statements of income, in the period of exercise or vesting.
Earnings per share	Earnings per share: Earnings per share have been computed based on the weighted-average number of common shares outstanding during each reporting period presented. Common shares issuable upon the exercise of share-based compensation, which are computed using the treasury stock method, are included in the computation of diluted earnings per share.

Finance Receivables, Credit Q_2

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Summary of Net Finance Receivables	Finance receivables for the periods indicated consisted of the following: December 31, Dollars in thousands 2021 2020 Small loans $ 445,023 $ 403,062 Large loans 969,351 715,210 Automobile loans 1,343 3,889 Retail loans 10,540 14,098 Net finance receivables $ 1,426,257 $ 1,136,259
Summary of Financing Receivable Credit Quality Indicators	Net finance receivables by product, FICO band, and origination year as of December 31, 2021 are as follows: Net Finance Receivables by Origination Year Dollars in thousands 2021 2020 2019 2018 2017 Prior Total Net Finance Receivables Small Loans: FICO Band 1 $ 71,720 $ 11,243 $ 2,202 $ 208 $ 44 $ 6 $ 85,423 2 48,507 5,805 856 33 11 3 55,215 3 52,113 6,278 764 24 5 1 59,185 4 56,631 6,834 689 31 8 1 64,194 5 57,058 8,484 615 14 2 1 66,174 6 96,149 17,837 835 7 3 1 114,832 Total small loans $ 382,178 $ 56,481 $ 5,961 $ 317 $ 73 $ 13 $ 445,023 Large Loans: FICO Band 1 $ 41,865 $ 19,447 $ 9,940 $ 2,714 $ 979 $ 483 $ 75,428 2 40,795 12,814 4,815 594 106 93 59,217 3 112,048 26,041 11,398 1,412 147 38 151,084 4 136,901 34,382 14,890 1,622 197 23 188,015 5 130,375 34,278 14,021 1,730 146 18 180,568 6 229,184 59,579 23,054 2,998 186 38 315,039 Total large loans $ 691,168 $ 186,541 $ 78,118 $ 11,070 $ 1,761 $ 693 $ 969,351 Automobile Loans: FICO Band 1 $ — $ — $ — $ — $ 395 $ 166 $ 561 2 — — — — 149 78 227 3 — — — — 225 80 305 4 — — — — 87 27 114 5 — — — — 19 50 69 6 — — — — 49 18 67 Total automobile loans $ — $ — $ — $ — $ 924 $ 419 $ 1,343 Retail Loans: FICO Band 1 $ 19 $ 137 $ 207 $ 25 $ 1 $ 2 $ 391 2 161 86 150 13 1 — 411 3 1,177 338 156 17 4 4 1,696 4 1,699 840 363 56 4 2 2,964 5 1,415 678 337 46 7 1 2,484 6 1,563 702 295 30 2 2 2,594 Total retail loans $ 6,034 $ 2,781 $ 1,508 $ 187 $ 19 $ 11 $ 10,540 Total Loans: FICO Band 1 $ 113,604 $ 30,827 $ 12,349 $ 2,947 $ 1,419 $ 657 $ 161,803 2 89,463 18,705 5,821 640 267 174 115,070 3 165,338 32,657 12,318 1,453 381 123 212,270 4 195,231 42,056 15,942 1,709 296 53 255,287 5 188,848 43,440 14,973 1,790 174 70 249,295 6 326,896 78,118 24,184 3,035 240 59 432,532 Total loans $ 1,079,380 $ 245,803 $ 85,587 $ 11,574 $ 2,777 $ 1,136 $ 1,426,257 Net finance receivables by product, FICO band, and origination year as of December 31, 2020 are as follows: Net Finance Receivables by Origination Year Dollars in thousands 2020 2019 2018 2017 2016 Prior Total Net Finance Receivables Small Loans: FICO Band 1 $ 71,903 $ 17,229 $ 1,947 $ 209 $ 34 $ 12 $ 91,334 2 38,548 7,538 595 40 6 3 46,730 3 39,864 7,942 580 27 2 3 48,418 4 42,972 8,446 589 18 3 1 52,029 5 45,678 10,322 505 13 4 — 56,522 6 86,293 20,975 739 20 2 — 108,029 Total small loans $ 325,258 $ 72,452 $ 4,955 $ 327 $ 51 $ 19 $ 403,062 Large Loans: FICO Band 1 $ 46,971 $ 25,644 $ 7,515 $ 2,991 $ 741 $ 335 $ 84,197 2 35,514 14,256 2,405 562 106 97 52,940 3 72,192 34,235 6,287 1,123 51 53 113,941 4 86,483 41,440 6,762 1,193 61 19 135,958 5 79,936 38,027 7,049 1,342 20 16 126,390 6 129,706 58,564 11,635 1,800 65 14 201,784 Total large loans $ 450,802 $ 212,166 $ 41,653 $ 9,011 $ 1,044 $ 534 $ 715,210 Automobile Loans: FICO Band 1 $ — $ — $ — $ 901 $ 582 $ 229 $ 1,712 2 — — — 374 293 49 716 3 — — — 481 237 23 741 4 — — — 226 89 33 348 5 — — — 69 105 10 184 6 — — — 105 81 2 188 Total automobile loans $ — $ — $ — $ 2,156 $ 1,387 $ 346 $ 3,889 Retail Loans: FICO Band 1 $ 439 $ 893 $ 236 $ 18 $ 1 $ 1 $ 1,588 2 267 676 217 14 1 1 1,176 3 847 715 263 20 3 2 1,850 4 1,677 1,320 546 43 1 2 3,589 5 1,364 1,076 436 51 1 1 2,929 6 1,412 1,057 449 44 2 2 2,966 Total retail loans $ 6,006 $ 5,737 $ 2,147 $ 190 $ 9 $ 9 $ 14,098 Total Loans: FICO Band 1 $ 119,313 $ 43,766 $ 9,698 $ 4,119 $ 1,358 $ 577 $ 178,831 2 74,329 22,470 3,217 990 406 150 101,562 3 112,903 42,892 7,130 1,651 293 81 164,950 4 131,132 51,206 7,897 1,480 154 55 191,924 5 126,978 49,425 7,990 1,475 130 27 186,025 6 217,411 80,596 12,823 1,969 150 18 312,967 Total loans $ 782,066 $ 290,355 $ 48,755 $ 11,684 $ 2,491 $ 908 $ 1,136,259
Amortized Cost Basis in Past-Due Loans	The contractual delinquency of the finance receivable portfolio by product and aging for the periods indicated are as follows: December 31, 2021 Small Large Automobile Retail Total Dollars in thousands $ % $ % $ % $ % $ % Current $ 366,775 82.5 % $ 860,968 88.8 % $ 887 66.0 % $ 8,535 81.0 % $ 1,237,165 86.7 % 1 to 29 days past due 38,454 8.6 % 64,119 6.6 % 372 27.7 % 1,256 11.9 % 104,201 7.3 % Delinquent accounts 30 to 59 days 11,244 2.5 % 13,754 1.5 % 23 1.7 % 262 2.5 % 25,283 1.9 % 60 to 89 days 9,436 2.1 % 10,771 1.1 % 17 1.3 % 171 1.6 % 20,395 1.4 % 90 to 119 days 7,868 1.8 % 7,960 0.8 % 11 0.9 % 123 1.2 % 15,962 1.0 % 120 to 149 days 5,897 1.3 % 6,462 0.7 % 18 1.3 % 89 0.8 % 12,466 0.9 % 150 to 179 days 5,349 1.2 % 5,317 0.5 % 15 1.1 % 104 1.0 % 10,785 0.8 % Total delinquency $ 39,794 8.9 % $ 44,264 4.6 % $ 84 6.3 % $ 749 7.1 % $ 84,891 6.0 % Total net finance receivables $ 445,023 100.0 % $ 969,351 100.0 % $ 1,343 100.0 % $ 10,540 100.0 % $ 1,426,257 100.0 % Net finance receivables in nonaccrual status $ 21,285 4.8 % $ 23,405 2.4 % $ 90 6.7 % $ 390 3.7 % $ 45,170 3.2 % December 31, 2020 Small Large Automobile Retail Total Dollars 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: Year Ended December 31, Dollars in thousands 2021 2020 Beginning balance $ 150,000 $ 62,200 Impact of CECL adoption — 60,100 COVID-19 reserve build (release) (16,000 ) 30,400 General reserve build (release) due to portfolio change 25,300 (2,700 ) Ending balance $ 159,300 $ 150,000 Allowance for credit losses as a percentage of net finance receivables 11.2 % 13.2 %
Reconciliation of Allowance for Credit Losses	The following are reconciliations of the allowance for credit losses by product for the years ended December 31, 2021, 2020, and 2019: Dollars 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 40,982 48,135 (360 ) 258 89,015 Credit losses (40,922 ) (41,098 ) (281 ) (1,351 ) (83,652 ) Recoveries 1,824 1,966 74 73 3,937 Ending balance at December 31, 2021 $ 61,294 $ 96,278 $ 216 $ 1,512 $ 159,300 Net finance receivables at December 31, 2021 $ 445,023 $ 969,351 $ 1,343 $ 10,540 $ 1,426,257 Allowance as percentage of net finance receivables at December 31, 2021 13.8 % 9.9 % 16.1 % 14.3 % 11.2 % Dollars 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 57,271 65,032 (143 ) 1,650 123,810 Credit losses (55,144 ) (42,447 ) (583 ) (2,662 ) (100,836 ) Recoveries 2,510 1,992 90 134 4,726 Ending balance at December 31, 2020 $ 59,410 $ 87,275 $ 783 $ 2,532 $ 150,000 Net finance receivables at December 31, 2020 $ 403,062 $ 715,210 $ 3,889 $ 14,098 $ 1,136,259 Allowance as percentage of net finance receivables at December 31, 2020 14.7 % 12.2 % 20.1 % 18.0 % 13.2 % Dollars in thousands Small Large Automobile Retail Total Beginning balance at January 1, 2019 $ 30,759 $ 23,702 $ 1,893 $ 1,946 $ 58,300 Provision for credit losses 54,842 41,278 575 2,916 99,611 Credit losses (57,323 ) (37,475 ) (1,893 ) (3,365 ) (100,056 ) Recoveries 2,310 1,643 245 147 4,345 Ending balance at December 31, 2019 $ 30,588 $ 29,148 $ 820 $ 1,644 $ 62,200 Net finance receivables at December 31, 2019 $ 467,613 $ 632,068 $ 9,640 $ 24,083 $ 1,133,404 Allowance as percentage of net finance receivables at December 31, 2019 6.5 % 4.6 % 8.5 % 6.8 % 5.5 %
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: December 31, 2021 December 31, 2020 Dollars in thousands TDR Net Finance Receivables TDR Allowance for Credit Losses TDR Net Finance Receivables TDR Allowance for Credit Losses Small loans $ 3,232 $ 1,204 $ 4,991 $ 2,087 Large loans 12,772 3,936 15,140 5,229 Automobile loans 158 51 307 132 Retail loans 60 20 75 32 Total $ 16,222 $ 5,211 $ 20,513 $ 7,480
Summary of Net Finance Receivables Modified and Classified as TDRs	The following table provides the number and amount of net finance receivables modified and classified as TDRs during the periods presented: Year Ended December 31, 2021 2020 2019 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Small loans 2,522 $ 4,761 4,074 $ 12,677 8,416 $ 23,606 Large loans 2,121 11,290 2,704 8,559 4,632 13,431 Automobile loans 2 13 1 3 12 43 Retail loans 7 14 28 105 75 240 Total 4,652 $ 16,078 6,807 $ 21,344 13,135 $ 37,320 (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 table provides 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: Year Ended December 31, 2021 2020 2019 Dollars in thousands Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Number of Loans TDR Net Finance Receivables (1) Small loans 950 $ 1,740 1,846 $ 3,266 3,161 $ 5,641 Large loans 711 3,709 1,128 5,633 1,674 8,374 Automobile loans 1 10 1 8 6 50 Retail loans 5 9 34 57 44 80 Total 1,667 $ 5,468 3,009 $ 8,964 4,885 $ 14,145 (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.

Property and Equipment (Tables)

Property and Equipment (Tables)	12 Months Ended
	Dec. 31, 2021
Property Plant And Equipment [Abstract]
Summary of Property and Equipment	For the periods indicated, property and equipment consisted of the following: December 31, Dollars in thousands 2021 2020 Furniture, fixtures, and equipment $ 24,348 $ 24,658 Leasehold improvements 13,503 13,180 Property and equipment cost 37,851 37,838 Less accumulated depreciation 24,913 23,830 Property and equipment, net of accumulated depreciation $ 12,938 $ 14,008

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Future Maturities of Operating Lease Liabilities	Future maturities of the Company’s operating lease liabilities are as follows: Dollars in thousands December 31, 2021 2022 $ 7,248 2023 7,343 2024 6,092 2025 4,425 2026 2,862 Thereafter 7,346 Total future minimum lease payments 35,316 Present value adjustment (4,616 ) Operating lease liability $ 30,700
Leases	Note 6. Leases The Company maintains lease agreements related to its branch network and for its corporate headquarters. The branch lease agreements range from three to seven years and generally contain options to extend from three to five years. The corporate headquarters lease agreement is for eleven years and contains an option to extend for ten years. All of the Company’s lease agreements are considered operating leases. None of the Company’s lease payments are dependent on an index that may change after the commencement date. Future maturities of the Company’s operating lease liabilities are as follows: Dollars in thousands December 31, 2021 2022 $ 7,248 2023 7,343 2024 6,092 2025 4,425 2026 2,862 Thereafter 7,346 Total future minimum lease payments 35,316 Present value adjustment (4,616 ) Operating lease liability $ 30,700 The Company’s operating and short-term lease expenses are presented below: Year Ended December 31, Dollars in thousands 2021 2020 2019 Operating leases $ 9,573 $ 8,268 $ 7,929 Short-term leases 648 381 435 Total lease expense $ 10,221 $ 8,649 $ 8,364 The Company’s weighted-average remaining lease term and discount rate for the periods indicated are as follows: December 31, 2021 December 31, 2020 Weighted-average remaining lease term (in years) 5.9 5.6 Weighted-average discount rate 4.66 % 4.91 % Rent expense for the years ended December 31, 2021, 2020, and 2019 equaled $10.2 million, $8.8 million, and $8.4 million, respectively. In addition to rent, the Company typically pays for all operating expenses, property taxes, and repairs and maintenance on properties that it leases.
Summary of Weighted-average Remaining Lease Term and Discount Rate	The Company’s weighted-average remaining lease term and discount rate for the periods indicated are as follows: December 31, 2021 December 31, 2020 Weighted-average remaining lease term (in years) 5.9 5.6 Weighted-average discount rate 4.66 % 4.91 %

Intangible Assets (Tables)

Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2021
Goodwill And Intangible Assets Disclosure [Abstract]
Summary of Gross Carrying Amount and Related Accumulated Amortization of Intangible Assets	The following table provides the gross carrying amount and related accumulated amortization of intangible assets: December 31, 2021 December 31, 2020 Dollars in thousands Gross Carrying Amount Accumulated Amortization Net Amount Gross Carrying Amount Accumulated Amortization Net Amount Software $ 19,829 $ (11,028 ) $ 8,801 $ 16,588 $ (8,615 ) $ 7,973 Goodwill 950 (234 ) 716 950 (234 ) 716 Total intangible assets $ 20,779 $ (11,262 ) $ 9,517 $ 17,538 $ (8,849 ) $ 8,689
Summary of Future Amortization of Intangible Assets	Intangible amortization expense for the years ended December 31, 2021, 2020, and 2019 totaled $2.4 million, $2.2 million, and $2.2 million, respectively. As of December 31, 2021, the Company’s weighted-average amortization period for software was 5.9 years. The following table sets forth the future amortization of intangible assets: Dollars in thousands Amount 2022 $ 2,799 2023 2,676 2024 1,638 2025 592 2026 422 Thereafter 674 Total $ 8,801

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Dec. 31, 2021
Deferred Costs Capitalized Prepaid And Other Assets Disclosure [Abstract]
Summary of Other Assets	Other assets include the following as of the periods indicated: December 31, Dollars in thousands 2021 2020 Prepaid expenses $ 8,675 $ 8,949 Interest rate caps 6,586 265 Credit insurance receivable 2,906 3,262 Card payments receivable 2,727 3,170 Other 863 686 Total other assets $ 21,757 $ 16,332

Interest Rate Caps (Tables)

Interest Rate Caps (Tables)	12 Months Ended
	Dec. 31, 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 December 31, 2021: Notional Amount Execution Date Effective Date Maturity Date Strike Rate (in thousands) 03/2020 03/2020 03/2023 1.75 % $ 100,000 08/2020 08/2020 08/2023 0.50 % 50,000 09/2020 09/2020 10/2023 0.50 % 100,000 11/2020 11/2020 11/2023 0.25 % 50,000 02/2021 02/2021 02/2024 0.25 % 50,000 03/2021 03/2021 03/2024 0.25 % 50,000 06/2021 06/2021 06/2024 0.25 % 50,000 12/2021 08/2023 02/2026 0.50 % 50,000 12/2021 02/2024 02/2026 0.50 % 50,000 Total notional amount $ 550,000
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: Year Ended December 31, Dollars in thousands 2021 2020 2019 Balance at beginning of period $ 265 $ — $ 249 Purchases 3,600 526 — Fair value adjustment included as an (increase) decrease in interest expense 2,721 (261 ) (249 ) Balance at end of period $ 6,586 $ 265 $ —

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Summary of the Company's Debt	The following is a summary of the Company’s debt as of the periods indicated: December 31, 2021 December 31, 2020 Dollars in thousands Debt Unamortized Debt Issuance Costs Net Debt Debt Unamortized Debt Issuance Costs Net Debt Senior revolving credit facility $ 112,065 $ (1,345 ) $ 110,720 $ 286,113 $ (1,687 ) $ 284,426 RMR II revolving warehouse credit facility 52,469 (1,393 ) 51,076 42,061 (1,486 ) 40,575 RMR IV revolving warehouse credit facility 20,071 (531 ) 19,540 — — — RMR V revolving warehouse credit facility 59,451 (516 ) 58,935 — — — RMIT 2018-2 securitization — — — 130,349 — 130,349 RMIT 2019-1 securitization 109,373 (464 ) 108,909 130,172 (1,216 ) 128,956 RMIT 2020-1 securitization 180,214 (1,442 ) 178,772 180,214 (2,272 ) 177,942 RMIT 2021-1 securitization 248,916 (1,830 ) 247,086 — — — RMIT 2021-2 securitization 200,192 (1,962 ) 198,230 — — — RMIT 2021-3 securitization 125,202 (1,527 ) 123,675 — — — Total $ 1,107,953 $ (11,010 ) $ 1,096,943 $ 768,909 $ (6,661 ) $ 762,248 Unused amount of revolving credit facilities (subject to borrowing base) $ 556,812 $ 438,082
Summary of Estimated Principal Payments Required on Outstanding Debt	The following is a summary of estimated future principal payments required on outstanding debt: Dollars in thousands Amount 2022 $ 74,703 2023 126,509 2024 407,407 2025 135,706 2026 148,685 Thereafter 214,943 Total $ 1,107,953

Stockholders' Equity (Tables)

Stockholders' Equity (Tables)	12 Months Ended
	Dec. 31, 2021
Stockholders Equity Note [Abstract]
Schedule of Repurchased Shares of Common Stock	The following is a summary of the Company’s repurchased shares of common stock for the periods indicated: Year Ended December 31, Dollars in thousands, except per share amounts 2021 2020 2019 Common stock repurchased 1,450 435 938 Weighted-average cost per share $ 46.47 $ 27.58 $ 26.65 Total cost of common stock repurchased $ 67,442 $ 12,014 $ 25,028
Schedule of Dividends Declared Per Share of Common Stock	The following table presents the dividends declared per share of common stock for the periods indicated: Year Ended December 31, 2021 2020 Dividends declared per common share $ 0.95 $ 0.20

Disclosure About Fair Value o_2

Disclosure About Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 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: December 31, 2021 December 31, 2020 Dollars in thousands Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Assets Level 1 inputs Cash $ 10,507 $ 10,507 $ 8,052 $ 8,052 Restricted cash 138,682 138,682 63,824 63,824 Level 2 inputs Interest rate caps 6,586 6,586 265 265 Level 3 inputs Net finance receivables, less unearned insurance premiums and allowance for credit losses 1,219,120 1,323,988 951,714 1,032,558 Liabilities Level 3 inputs Debt 1,107,953 1,098,625 768,909 767,185

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Schedule of Tax Benefits and Deficiencies from Share-Based Awards	Income tax expense differed from the amount computed by applying the federal income tax rate to total income before income taxes as a result of the following: Year Ended December 31, 2021 2020 2019 Dollars in thousands $ % $ % $ % Federal tax expense at statutory rate $ 23,619 21.0 % $ 7,545 21.0 % $ 12,389 21.0 % Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 2,620 2.3 % 1,086 3.0 % 1,961 3.3 % Non-deductible compensation 672 0.6 % 837 2.3 % 362 0.6 % Excess tax benefits from share-based awards (2,711 ) (2.4 )% (93 ) (0.3 )% (152 ) (0.3 )% Other (414 ) (0.4 )% (177 ) (0.4 )% (299 ) (0.4 )% Total tax expense $ 23,786 21.1 % $ 9,198 25.6 % $ 14,261 24.2 % Income tax expense attributable to total income before income taxes consists of the following for the periods indicated: Year Ended December 31, Dollars in thousands 2021 2020 2019 Current: Federal $ 24,735 $ 5,874 $ 13,270 State and local 3,350 2,648 2,357 28,085 8,522 15,627 Deferred: Federal (4,169 ) 585 (1,298 ) State and local (130 ) 91 (68 ) (4,299 ) 676 (1,366 ) Total $ 23,786 $ 9,198 $ 14,261
Schedule of Net Deferred Tax Assets and Liabilities	Net deferred tax assets and liabilities consist of the following as of the periods indicated: December 31, Dollars in thousands 2021 2020 Deferred tax assets: Allowance for credit losses $ 37,179 $ 35,400 Unearned insurance commissions 7,930 5,932 Lease liability 7,223 6,863 Accrued expenses 3,949 2,296 Share-based compensation 1,942 2,530 Unearned premium reserves 517 — CARES Act payroll tax deferral 349 739 State net operating loss carryforward 310 457 Other 154 493 Gross deferred tax assets 59,553 54,710 Deferred tax liabilities: Fair market value adjustment of net finance receivables 26,995 26,748 Lease assets 6,763 6,372 Depreciation and software amortization 3,779 4,000 Deferred loan costs 2,581 1,757 Prepaid expenses 899 1,207 Other 116 505 Gross deferred tax liabilities 41,133 40,589 Net deferred tax asset $ 18,420 $ 14,121
Summary of Income Tax Contingencies	The following schedule reconciles unrecognized tax positions for the periods indicated: Year Ended December 31, Dollars in thousands 2021 2020 2019 Balance at January 1 $ — $ 815 $ — Additions based on tax positions related to the current year — — 363 Additions for tax positions of prior years — — 452 Reductions for tax positions of prior years — (815 ) — Settlements — — — Balance at December 31 $ — $ — $ 815

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 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: Year Ended December 31, Dollars in thousands, except per share amounts 2021 2020 2019 Numerator: Net income $ 88,687 $ 26,730 $ 44,732 Denominator: Weighted-average shares outstanding for basic earnings per share 10,034 10,930 11,401 Effect of dilutive securities 609 215 372 Weighted-average shares adjusted for dilutive securities 10,643 11,145 11,773 Earnings per share: Basic $ 8.84 $ 2.45 $ 3.92 Diluted $ 8.33 $ 2.40 $ 3.80

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 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: Year Ended December 31, 2021 2020 2019 Expected volatility 47.83 % 45.36 % 41.06 % Expected dividends 2.63 % 0.34 % 0.00 % Expected term (in years) 6.0 6.0 6.0 Risk-free rate 0.64 % 0.68 % 2.41 %
Summary of Company's Stock Option Plan Activity	The following table summarizes the stock option activity for the year ended December 31, 2021: Dollars 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 (453 ) 19.39 Forfeited — — Expired (3 ) 16.30 Options outstanding at December 31, 2021 589 $ 22.50 6.6 $ 20,574 Options exercisable at December 31, 2021 443 $ 21.19 5.8 $ 16,068
Summary of Additional Stock Option Information	The following table provides additional stock option information for the periods indicated: Year Ended December 31, Dollars in thousands, except per share amounts 2021 2020 2019 Weighted-average grant date fair value per share $ 10.52 $ 7.80 $ 11.82 Intrinsic value of options exercised $ 11,711 $ 2,896 $ 265 Fair value of stock options that vested $ 1,063 $ 994 $ 1,126
Summary of RSU Activity	The following table summarizes RSU activity during the year ended December 31, 2021: Dollars 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 December 31, 2021 129 $ 22.84
Summary of Additional RSU Information	The following table provides additional RSU information for the periods indicated: Year Ended December 31, Dollars in thousands, except per unit amounts 2021 2020 2019 Weighted-average grant date fair value per unit $ 30.22 $ 15.86 $ 27.89 Fair value of RSUs that vested $ 1,199 $ 1,314 $ 916
Summary of RSA Activity	The following table summarizes restricted stock activity during the year ended December 31, 2021: Dollars 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 191 35.18 Vested (224 ) 21.81 Forfeited (14 ) 24.56 Non-vested shares at December 31, 2021 219 $ 30.32
Summary of Additional RSA Information	The following table provides additional restricted stock information: Year Ended December 31, Dollars in thousands, except per share amounts 2021 2020 2019 Weighted-average grant date fair value per share $ 35.18 $ 19.06 $ 27.02 Fair value of RSAs that vested $ 4,874 $ 3,760 $ 2,803

Insurance Products and Reinsu_2

Insurance Products and Reinsurance of Certain Risks (Tables)	12 Months Ended
	Dec. 31, 2021
Insurance [Abstract]
Schedule of Components of Insurance Income, Net	The following table summarizes the components of insurance income, net during the years ended December 31, 2021, 2020, and 2019: Insurance Premiums and Direct Expenses Dollars in thousands 2021 2020 2019 Earned premiums $ 53,218 $ 42,816 $ 35,544 Claims, reserves, and certain direct expenses (17,736 ) (14,467 ) (14,727 ) Insurance income, net $ 35,482 $ 28,349 $ 20,817

Quarterly Information (unaudi_2

Quarterly Information (unaudited) (Tables)	12 Months Ended
	Dec. 31, 2021
Quarterly Financial Information Disclosure [Abstract]
Summary of the Company's Quarterly Financial Information	The following tables summarize the Company’s quarterly financial information for each of the four quarters of 2021 and 2020: 2021 Dollars in thousands, except per share amounts First Second Third Fourth Total revenue $ 97,731 $ 99,676 $ 111,460 $ 119,484 Provision for credit losses 11,362 20,549 26,096 31,008 General and administrative expenses 45,843 46,389 47,750 55,532 Interest expense 7,135 7,801 8,816 7,597 Income taxes 7,869 4,771 6,577 4,569 Net income $ 25,522 $ 20,166 $ 22,221 $ 20,778 Net income per common share: Basic $ 2.42 $ 1.98 $ 2.25 $ 2.18 Diluted $ 2.31 $ 1.87 $ 2.11 $ 2.04 2020 Dollars in thousands, except per share amounts First Second Third Fourth Total revenue $ 96,074 $ 89,850 $ 90,538 $ 97,444 Provision for credit losses 49,522 27,499 22,089 24,700 General and administrative expenses 46,243 41,525 43,754 44,794 Interest expense 10,159 9,137 9,300 9,256 Income taxes (3,525 ) 4,219 4,157 4,347 Net income (loss) $ (6,325 ) $ 7,470 $ 11,238 $ 14,347 Net income (loss) per common share: Basic $ (0.58 ) $ 0.68 $ 1.02 $ 1.32 Diluted $ (0.56 ) $ 0.68 $ 1.01 $ 1.28

Nature of Business - Additional

Nature of Business - Additional Information (Detail)	Dec. 31, 2021LocationState
Accounting Policies [Abstract]
Number of branches | Location	350
Number of states | State	13

Significant Accounting Polici_3

Significant Accounting Policies - Additional Information (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)Segment	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Significant Accounting Policies [Line Items]
Number of reportable segment | Segment	1
Decrease in net cash provided by operating activities	$ (189,015)	$ (164,979)	$ (158,190)
Decrease in net cash used in investing activities	355,058	91,684	268,764
Increase in net cash provided by financing activities	$ 243,356	(57,846)	116,860
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
Minimum [Member]
Significant Accounting Policies [Line Items]
Lease, renewal term	3 years
Maximum [Member]
Significant Accounting Policies [Line Items]
Lease, renewal term	7 years
Furniture and Equipment [Member] | Minimum [Member]
Significant Accounting Policies [Line Items]
Estimated useful lives	5 years
Furniture and Equipment [Member] | Maximum [Member]
Significant Accounting Policies [Line Items]
Estimated useful lives	10 years
Error Correction, Adjustment [Member]
Significant Accounting Policies [Line Items]
Decrease in net cash provided by operating activities		7,200	6,900
Decrease in net cash used in investing activities		6,700	$ 6,900
Increase in net cash provided by financing activities		$ 500

Concentrations of Credit Risk -

Concentrations of Credit Risk - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2021
Concentration Risk [Line Items]
Concentration risk, geographic	Customers living in South Carolina, Texas, and North Carolina accounted for 14%, 32%, and 15%, respectively, of the Company’s net finance receivables in 2021.
Finance Receivables [Member] | Credit Concentration Risk [Member] | South Carolina [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	14.00%
Finance Receivables [Member] | Credit Concentration Risk [Member] | Texas [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	32.00%
Finance Receivables [Member] | Credit Concentration Risk [Member] | North Carolina [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	15.00%

Finance Receivables, Credit Q_3

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Finance Receivables (Detail) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	$ 1,426,257	$ 1,136,259	$ 1,133,404
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	445,023	403,062	467,613
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	969,351	715,210	632,068
Automobile Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	1,343	3,889	9,640
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	$ 10,540	$ 14,098	$ 24,083

Finance Receivables, Credit Q_4

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Jan. 01, 2020	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables included net deferred origination fees	$ 14,200	$ 12,600
Accrued interest reversed as a reduction of interest and fee income	8,900	10,700
Allowance for credit losses	$ 159,300,000	$ 150,000,000		$ 62,200,000	$ 58,300,000
Allowance percentage for credit losses	11.20%	13.20%		5.50%
COVID19 Impact [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for credit losses	$ 14,400,000	$ 30,400,000
Reserve Release Due to Portfolio Liquidation [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase decrease in allowance for credit losses		$ 2,700,000
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%
Post-CECL Change in Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase decrease in allowance for credit losses	$ 25,300,000
Quarterly Trend - Amortized Cost Basis [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for credit losses				$ 62,200,000
Allowance percentage for credit losses				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	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	$ 1,079,380	$ 782,066
2020	245,803	290,355
2019	85,587	48,755
2018	11,574	11,684
2017	2,777	2,491
Prior	1,136	908
Net finance receivables	1,426,257	1,136,259	$ 1,133,404
FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	113,604	119,313
2020	30,827	43,766
2019	12,349	9,698
2018	2,947	4,119
2017	1,419	1,358
Prior	657	577
Net finance receivables	161,803	178,831
FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	89,463	74,329
2020	18,705	22,470
2019	5,821	3,217
2018	640	990
2017	267	406
Prior	174	150
Net finance receivables	115,070	101,562
FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	165,338	112,903
2020	32,657	42,892
2019	12,318	7,130
2018	1,453	1,651
2017	381	293
Prior	123	81
Net finance receivables	212,270	164,950
FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	195,231	131,132
2020	42,056	51,206
2019	15,942	7,897
2018	1,709	1,480
2017	296	154
Prior	53	55
Net finance receivables	255,287	191,924
FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	188,848	126,978
2020	43,440	49,425
2019	14,973	7,990
2018	1,790	1,475
2017	174	130
Prior	70	27
Net finance receivables	249,295	186,025
FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	326,896	217,411
2020	78,118	80,596
2019	24,184	12,823
2018	3,035	1,969
2017	240	150
Prior	59	18
Net finance receivables	432,532	312,967
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	382,178	325,258
2020	56,481	72,452
2019	5,961	4,955
2018	317	327
2017	73	51
Prior	13	19
Net finance receivables	445,023	403,062	467,613
Small Loans [Member] | FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	71,720	71,903
2020	11,243	17,229
2019	2,202	1,947
2018	208	209
2017	44	34
Prior	6	12
Net finance receivables	85,423	91,334
Small Loans [Member] | FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	48,507	38,548
2020	5,805	7,538
2019	856	595
2018	33	40
2017	11	6
Prior	3	3
Net finance receivables	55,215	46,730
Small Loans [Member] | FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	52,113	39,864
2020	6,278	7,942
2019	764	580
2018	24	27
2017	5	2
Prior	1	3
Net finance receivables	59,185	48,418
Small Loans [Member] | FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	56,631	42,972
2020	6,834	8,446
2019	689	589
2018	31	18
2017	8	3
Prior	1	1
Net finance receivables	64,194	52,029
Small Loans [Member] | FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	57,058	45,678
2020	8,484	10,322
2019	615	505
2018	14	13
2017	2	4
Prior	1
Net finance receivables	66,174	56,522
Small Loans [Member] | FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	96,149	86,293
2020	17,837	20,975
2019	835	739
2018	7	20
2017	3	2
Prior	1
Net finance receivables	114,832	108,029
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	691,168	450,802
2020	186,541	212,166
2019	78,118	41,653
2018	11,070	9,011
2017	1,761	1,044
Prior	693	534
Net finance receivables	969,351	715,210	632,068
Large Loans [Member] | FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	41,865	46,971
2020	19,447	25,644
2019	9,940	7,515
2018	2,714	2,991
2017	979	741
Prior	483	335
Net finance receivables	75,428	84,197
Large Loans [Member] | FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	40,795	35,514
2020	12,814	14,256
2019	4,815	2,405
2018	594	562
2017	106	106
Prior	93	97
Net finance receivables	59,217	52,940
Large Loans [Member] | FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	112,048	72,192
2020	26,041	34,235
2019	11,398	6,287
2018	1,412	1,123
2017	147	51
Prior	38	53
Net finance receivables	151,084	113,941
Large Loans [Member] | FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	136,901	86,483
2020	34,382	41,440
2019	14,890	6,762
2018	1,622	1,193
2017	197	61
Prior	23	19
Net finance receivables	188,015	135,958
Large Loans [Member] | FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	130,375	79,936
2020	34,278	38,027
2019	14,021	7,049
2018	1,730	1,342
2017	146	20
Prior	18	16
Net finance receivables	180,568	126,390
Large Loans [Member] | FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	229,184	129,706
2020	59,579	58,564
2019	23,054	11,635
2018	2,998	1,800
2017	186	65
Prior	38	14
Net finance receivables	315,039	201,784
Automobile Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2018		2,156
2017	924	1,387
Prior	419	346
Net finance receivables	1,343	3,889	9,640
Automobile Loan [Member] | FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2018		901
2017	395	582
Prior	166	229
Net finance receivables	561	1,712
Automobile Loan [Member] | FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2018		374
2017	149	293
Prior	78	49
Net finance receivables	227	716
Automobile Loan [Member] | FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2018		481
2017	225	237
Prior	80	23
Net finance receivables	305	741
Automobile Loan [Member] | FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2018		226
2017	87	89
Prior	27	33
Net finance receivables	114	348
Automobile Loan [Member] | FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2018		69
2017	19	105
Prior	50	10
Net finance receivables	69	184
Automobile Loan [Member] | FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2018		105
2017	49	81
Prior	18	2
Net finance receivables	67	188
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	6,034	6,006
2020	2,781	5,737
2019	1,508	2,147
2018	187	190
2017	19	9
Prior	11	9
Net finance receivables	10,540	14,098	$ 24,083
Retail Loans [Member] | FICO Band 1 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	19	439
2020	137	893
2019	207	236
2018	25	18
2017	1	1
Prior	2	1
Net finance receivables	391	1,588
Retail Loans [Member] | FICO Band 2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	161	267
2020	86	676
2019	150	217
2018	13	14
2017	1	1
Prior		1
Net finance receivables	411	1,176
Retail Loans [Member] | FICO Band 3 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	1,177	847
2020	338	715
2019	156	263
2018	17	20
2017	4	3
Prior	4	2
Net finance receivables	1,696	1,850
Retail Loans [Member] | FICO Band 4 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	1,699	1,677
2020	840	1,320
2019	363	546
2018	56	43
2017	4	1
Prior	2	2
Net finance receivables	2,964	3,589
Retail Loans [Member] | FICO Band 5 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	1,415	1,364
2020	678	1,076
2019	337	436
2018	46	51
2017	7	1
Prior	1	1
Net finance receivables	2,484	2,929
Retail Loans [Member] | FICO Band 6 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
2021	1,563	1,412
2020	702	1,057
2019	295	449
2018	30	44
2017	2	2
Prior	2	2
Net finance receivables	$ 2,594	$ 2,966

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	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 1,426,257	$ 1,136,259	$ 1,133,404
Net finance receivables in nonaccrual status	$ 45,170	$ 32,239
Past due, Percent	6.00%	5.30%
Total net finance receivables	100.00%	100.00%
Net finance receivables in nonaccrual status	3.20%	2.80%
'Financing Receivables, Current [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 1,237,165	$ 990,467
Current,Percent	86.70%	87.20%
1 to 29 Days Past Due [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 104,201	$ 85,342
Past due, Percent	7.30%	7.50%
Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 25,283	$ 18,381
Past due, Percent	1.90%	1.60%
Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 20,395	$ 14,955
Past due, Percent	1.40%	1.30%
Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 15,962	$ 10,496
Past due, Percent	1.00%	0.90%
Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 12,466	$ 9,085
Past due, Percent	0.90%	0.80%
Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 10,785	$ 7,533
Past due, Percent	0.80%	0.70%
Total Delinquency Accounts [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 84,891	$ 60,450
Small Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	445,023	403,062	467,613
Net finance receivables in nonaccrual status	$ 21,285	$ 14,617
Past due, Percent	8.90%	6.90%
Total net finance receivables	100.00%	100.00%
Net finance receivables in nonaccrual status	4.80%	3.60%
Small Loans [Member] | 'Financing Receivables, Current [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 366,775	$ 342,744
Current,Percent	82.50%	85.00%
Small Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 38,454	$ 32,615
Past due, Percent	8.60%	8.10%
Small Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 11,244	$ 8,195
Past due, Percent	2.50%	2.10%
Small Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 9,436	$ 6,907
Past due, Percent	2.10%	1.70%
Small Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 7,868	$ 4,866
Past due, Percent	1.80%	1.20%
Small Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 5,897	$ 4,193
Past due, Percent	1.30%	1.00%
Small Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 5,349	$ 3,542
Past due, Percent	1.20%	0.90%
Small Loans [Member] | Total Delinquency Accounts [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 39,794	$ 27,703
Large Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	969,351	715,210	632,068
Net finance receivables in nonaccrual status	$ 23,405	$ 16,683
Past due, Percent	4.60%	4.40%
Total net finance receivables	100.00%	100.00%
Net finance receivables in nonaccrual status	2.40%	2.30%
Large Loans [Member] | 'Financing Receivables, Current [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 860,968	$ 633,806
Current,Percent	88.80%	88.60%
Large Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 64,119	$ 50,145
Past due, Percent	6.60%	7.00%
Large Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 13,754	$ 9,808
Past due, Percent	1.50%	1.40%
Large Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 10,771	$ 7,639
Past due, Percent	1.10%	1.10%
Large Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 7,960	$ 5,407
Past due, Percent	0.80%	0.80%
Large Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 6,462	$ 4,648
Past due, Percent	0.70%	0.60%
Large Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 5,317	$ 3,757
Past due, Percent	0.50%	0.50%
Large Loans [Member] | Total Delinquency Accounts [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 44,264	$ 31,259
Automobile Loan [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	1,343	3,889	9,640
Net finance receivables in nonaccrual status	$ 90	$ 216
Past due, Percent	6.30%	7.60%
Total net finance receivables	100.00%	100.00%
Net finance receivables in nonaccrual status	6.70%	5.60%
Automobile Loan [Member] | 'Financing Receivables, Current [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 887	$ 2,729
Current,Percent	66.00%	70.20%
Automobile Loan [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 372	$ 864
Past due, Percent	27.70%	22.20%
Automobile Loan [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 23	$ 49
Past due, Percent	1.70%	1.20%
Automobile Loan [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 17	$ 119
Past due, Percent	1.30%	3.10%
Automobile Loan [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 11	$ 29
Past due, Percent	0.90%	0.70%
Automobile Loan [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 18	$ 37
Past due, Percent	1.30%	1.00%
Automobile Loan [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 15	$ 62
Past due, Percent	1.10%	1.60%
Automobile Loan [Member] | Total Delinquency Accounts [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 84	$ 296
Retail Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	10,540	14,098	$ 24,083
Net finance receivables in nonaccrual status	$ 390	$ 723
Past due, Percent	7.10%	8.50%
Total net finance receivables	100.00%	100.00%
Net finance receivables in nonaccrual status	3.70%	5.10%
Retail Loans [Member] | 'Financing Receivables, Current [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 8,535	$ 11,188
Current,Percent	81.00%	79.30%
Retail Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 1,256	$ 1,718
Past due, Percent	11.90%	12.20%
Retail Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 262	$ 329
Past due, Percent	2.50%	2.30%
Retail Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 171	$ 290
Past due, Percent	1.60%	2.10%
Retail Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 123	$ 194
Past due, Percent	1.20%	1.40%
Retail Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 89	$ 207
Past due, Percent	0.80%	1.50%
Retail Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 104	$ 172
Past due, Percent	1.00%	1.20%
Retail Loans [Member] | Total Delinquency Accounts [Member]
Financing Receivable Recorded Investment [Line Items]
Net finance receivables	$ 749	$ 1,192

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	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Receivables [Abstract]
Beginning balance	$ 150,000	$ 62,200
Impact of CECL adoption		60,100
COVID-19 reserve build (release)	(16,000)	30,400
General reserve build (release) due to portfolio change	25,300	(2,700)
Ending balance	$ 159,300	$ 150,000
Allowance for credit losses as a percentage of net finance receivables	11.20%	13.20%	5.50%

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	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 150,000	$ 62,200	$ 58,300
Provision for credit losses	89,015	123,810	99,611
Credit losses	(83,652)	(100,836)	(100,056)
Recoveries	3,937	4,726	4,345
Ending balance	159,300	150,000	62,200
Net finance receivables	$ 1,426,257	$ 1,136,259	$ 1,133,404
Allowance as Percentage of Finance Receivables	11.20%	13.20%	5.50%
Impact of CECL adoption		$ 60,100
Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 59,410	30,588	$ 30,759
Provision for credit losses	40,982	57,271	54,842
Credit losses	(40,922)	(55,144)	(57,323)
Recoveries	1,824	2,510	2,310
Ending balance	61,294	59,410	30,588
Net finance receivables	$ 445,023	$ 403,062	$ 467,613
Allowance as Percentage of Finance Receivables	13.80%	14.70%	6.50%
Impact of CECL adoption		$ 24,185
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 87,275	29,148	$ 23,702
Provision for credit losses	48,135	65,032	41,278
Credit losses	(41,098)	(42,447)	(37,475)
Recoveries	1,966	1,992	1,643
Ending balance	96,278	87,275	29,148
Net finance receivables	$ 969,351	$ 715,210	$ 632,068
Allowance as Percentage of Finance Receivables	9.90%	12.20%	4.60%
Impact of CECL adoption		$ 33,550
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 783	820	$ 1,893
Provision for credit losses	(360)	(143)	575
Credit losses	(281)	(583)	(1,893)
Recoveries	74	90	245
Ending balance	216	783	820
Net finance receivables	$ 1,343	$ 3,889	$ 9,640
Allowance as Percentage of Finance Receivables	16.10%	20.10%	8.50%
Impact of CECL adoption		$ 599
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 2,532	1,644	$ 1,946
Provision for credit losses	258	1,650	2,916
Credit losses	(1,351)	(2,662)	(3,365)
Recoveries	73	134	147
Ending balance	1,512	2,532	1,644
Net finance receivables	$ 10,540	$ 14,098	$ 24,083
Allowance as Percentage of Finance Receivables	14.30%	18.00%	6.80%
Impact of CECL adoption		$ 1,766

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	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	$ 1,426,257	$ 1,136,259	$ 1,133,404
Allowance for credit losses	159,300	150,000	62,200	$ 58,300
Troubled Debt Restructurings
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	16,222	20,513
Allowance for credit losses	5,211	7,480
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	445,023	403,062	467,613
Allowance for credit losses	61,294	59,410	30,588	30,759
Small Loans [Member] | Troubled Debt Restructurings
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	3,232	4,991
Allowance for credit losses	1,204	2,087
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	969,351	715,210	632,068
Allowance for credit losses	96,278	87,275	29,148	23,702
Large Loans [Member] | Troubled Debt Restructurings
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	12,772	15,140
Allowance for credit losses	3,936	5,229
Automobile Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	1,343	3,889	9,640
Allowance for credit losses	216	783	820	1,893
Automobile Loan [Member] | Troubled Debt Restructurings
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	158	307
Allowance for credit losses	51	132
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	10,540	14,098	24,083
Allowance for credit losses	1,512	2,532	$ 1,644	$ 1,946
Retail Loans [Member] | Troubled Debt Restructurings
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net finance receivables	60	75
Allowance for credit losses	$ 20	$ 32

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		12 Months Ended
		Dec. 31, 2021USD ($)Loan	Dec. 31, 2020USD ($)Loan	Dec. 31, 2019USD ($)Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		4,652	6,807	13,135
TDR Net Finance Receivables | $	[1]	$ 16,078	$ 21,344	$ 37,320
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		2,522	4,074	8,416
TDR Net Finance Receivables | $	[1]	$ 4,761	$ 12,677	$ 23,606
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		2,121	2,704	4,632
TDR Net Finance Receivables | $	[1]	$ 11,290	$ 8,559	$ 13,431
Automobile Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		2	1	12
TDR Net Finance Receivables | $	[1]	$ 13	$ 3	$ 43
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		7	28	75
TDR Net Finance Receivables | $	[1]	$ 14	$ 105	$ 240
[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		12 Months Ended
		Dec. 31, 2021USD ($)Loan	Dec. 31, 2020USD ($)Loan	Dec. 31, 2019USD ($)Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		1,667	3,009	4,885
TDR Net Finance Receivables | $	[1]	$ 5,468	$ 8,964	$ 14,145
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		950	1,846	3,161
TDR Net Finance Receivables | $	[1]	$ 1,740	$ 3,266	$ 5,641
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		711	1,128	1,674
TDR Net Finance Receivables | $	[1]	$ 3,709	$ 5,633	$ 8,374
Automobile Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		1	1	6
TDR Net Finance Receivables | $	[1]	$ 10	$ 8	$ 50
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan		5	34	44
TDR Net Finance Receivables | $	[1]	$ 9	$ 57	$ 80
[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.

Property and Equipment - Summar

Property and Equipment - Summary of Property and Equipment (Detail) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Property Plant And Equipment [Line Items]
Property and equipment, gross	$ 37,851	$ 37,838
Less accumulated depreciation	24,913	23,830
Property and equipment, net of accumulated depreciation	12,938	14,008
Furniture, Fixtures and Equipment [Member]
Property Plant And Equipment [Line Items]
Property and equipment, gross	24,348	24,658
Leasehold Improvements [Member]
Property Plant And Equipment [Line Items]
Property and equipment, gross	$ 13,503	$ 13,180

Property and Equipment - Additi

Property and Equipment - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property Plant And Equipment [Abstract]
Depreciation expense	$ 4,500	$ 5,000	$ 4,300

Leases - Additional Information

Leases - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating Leased Assets [Line Items]
Rent expense	$ 10.2	$ 8.8	$ 8.4
Minimum [Member]
Operating Leased Assets [Line Items]
Lease, renewal term	3 years
Maximum [Member]
Operating Leased Assets [Line Items]
Lease, renewal term	7 years
Branch [Member] | Minimum [Member]
Operating Leased Assets [Line Items]
Lease agreement term	3 years
Lease, renewal term	3 years
Branch [Member] | Maximum [Member]
Operating Leased Assets [Line Items]
Lease agreement term	7 years
Lease, renewal term	5 years
Corporate Headquarters [Member]
Operating Leased Assets [Line Items]
Lease agreement term	11 years
Lease, renewal term	10 years

Leases - Future Maturities of O

Leases - Future Maturities of Operating Lease Liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Operating Leases Future Minimum Payments Due [Abstract]
2022	$ 7,248
2023	7,343
2024	6,092
2025	4,425
2026	2,862
Thereafter	7,346
Total future minimum lease payments	35,316
Present value adjustment	(4,616)
Lease liabilities	$ 30,700	$ 29,201

Leases - Summary of Additional

Leases - Summary of Additional Information About Company's Operating and Short-Term Lease ExpensesLeases (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Lease, Cost [Abstract]
Operating leases	$ 9,573	$ 8,268	$ 7,929
Short-term leases	648	381	435
Total lease expense	$ 10,221	$ 8,649	$ 8,364

Leases - Summary of Weighted-av

Leases - Summary of Weighted-average Remaining Lease Term and Discount Rate (Detail)	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Weighted-average remaining lease term (in years)	5 years 10 months 24 days	5 years 7 months 6 days
Weighted-average discount rate	4.66%	4.91%

Intangible Assets - Summary of

Intangible Assets - Summary of Gross Carrying Amount and Related Accumulated Amortization of Intangible Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Intangible Assets Including Goodwill [Line Items]
Net Amount	$ 8,801
Goodwill, Gross Carrying Amount	950	$ 950
Total intangible assets, Gross Carrying Amount	20,779	17,538
Goodwill, Accumulated Amortization	(234)	(234)
Total intangible assets, Accumulated Amortization	(11,262)	(8,849)
Goodwill, Net Amount	716	716
Total intangible assets, Net Amount	9,517	8,689
Software [Member]
Intangible Assets Including Goodwill [Line Items]
Gross Carrying Amount	19,829	16,588
Accumulated Amortization	(11,028)	(8,615)
Net Amount	$ 8,801	$ 7,973

Intangible Assets - Additional

Intangible Assets - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Intangible Assets Including Goodwill [Line Items]
Amortization expense for intangible assets	$ 2,400,000	$ 2,200,000	$ 2,200,000
Impairment losses	0	0	0
Goodwill acquired during the year	$ 0	$ 0	$ 0
Software [Member]
Intangible Assets Including Goodwill [Line Items]
Weighted-average amortization period	5 years 10 months 24 days

Intangible Assets - Summary o_2

Intangible Assets - Summary of Future Amortization of Intangible Assets (Detail) $ in Thousands	Dec. 31, 2021USD ($)
Goodwill And Intangible Assets Disclosure [Abstract]
2022	$ 2,799
2023	2,676
2024	1,638
2025	592
2026	422
Thereafter	674
Total	$ 8,801

Other Assets - Summary of Other

Other Assets - Summary of Other Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deferred Costs Capitalized Prepaid And Other Assets Disclosure [Abstract]
Prepaid expenses	$ 8,675	$ 8,949
Interest rate caps	6,586	265
Credit insurance receivable	2,906	3,262
Card payments receivable	2,727	3,170
Other	863	686
Total other assets	$ 21,757	$ 16,332

Interest Rate Caps - Additional

Interest Rate Caps - Additional Information (Detail) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Derivative [Line Items]
Notional amount of interest rate cap	$ 550,000
Interest rate	3.50%
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	12 Months Ended
	Dec. 31, 2021USD ($)
Derivative [Line Items]
Notional Amount	$ 550,000
Interest Rate Cap #1 [Member]
Derivative [Line Items]
Derivative, Inception Date	Mar. 31, 2020
Derivative Effective Dates	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
Derivative Effective Dates	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
Derivative Effective Dates	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
Derivative Effective Dates	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
Derivative Effective Dates	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
Derivative Effective Dates	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
Derivative Effective Dates	Jun. 30, 2021
Maturity	Jun. 30, 2024
Strike Rate	0.25%
Notional Amount	$ 50,000
Interest Rate Cap #8 [Member]
Derivative [Line Items]
Derivative, Inception Date	Dec. 31, 2021
Derivative Effective Dates	Aug. 31, 2023
Maturity	Feb. 28, 2026
Strike Rate	0.50%
Notional Amount	$ 50,000
Interest Rate Cap #9 [Member]
Derivative [Line Items]
Derivative, Inception Date	Dec. 31, 2021
Derivative Effective Dates	Feb. 29, 2024
Maturity	Feb. 28, 2026
Strike Rate	0.50%
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	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Offsetting [Abstract]
Balance at beginning of period	$ 265		$ 249
Purchases	3,600	$ 526
Fair value adjustment included as an (increase) decrease in interest expense	2,721	(261)	$ (249)
Balance at end of period	$ 6,586	$ 265

Debt - Summary of the Company's

Debt - Summary of the Company's Debt (Detail) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Debt Instrument [Line Items]
Debt	$ 1,107,953	$ 768,909
Unamortized debt issuance costs	(11,010)	(6,661)
Net long-term debt	1,096,943	762,248
Unused amount of revolving credit facilities (subject to borrowing base)	556,812	438,082
Senior Revolving Credit Facility
Debt Instrument [Line Items]
Debt	112,065	286,113
Unamortized debt issuance costs	(1,345)	(1,687)
Net long-term debt	110,720	284,426
RMR II revolving warehouse credit facility
Debt Instrument [Line Items]
Debt	52,469	42,061
Unamortized debt issuance costs	(1,393)	(1,486)
Net long-term debt	51,076	40,575
RMR IV revolving warehouse credit facility
Debt Instrument [Line Items]
Debt	20,071
Unamortized debt issuance costs	(531)
Net long-term debt	19,540
RMIT 2020-1 securitization
Debt Instrument [Line Items]
Debt	180,214	180,214
Unamortized debt issuance costs	(1,442)	(2,272)
Net long-term debt	178,772	177,942
RMR V revolving warehouse credit facility
Debt Instrument [Line Items]
Debt	59,451
Unamortized debt issuance costs	(516)
Net long-term debt	58,935
RMIT 2021-1 securitization
Debt Instrument [Line Items]
Debt	248,916
Unamortized debt issuance costs	(1,830)
Net long-term debt	247,086
RMIT 2018-2 securitization
Debt Instrument [Line Items]
Debt		130,349
Net long-term debt		130,349
RMIT 2021-2 securitization
Debt Instrument [Line Items]
Debt	200,192
Unamortized debt issuance costs	(1,962)
Net long-term debt	198,230
RMIT 2019-1 securitization
Debt Instrument [Line Items]
Debt	109,373	130,172
Unamortized debt issuance costs	(464)	(1,216)
Net long-term debt	108,909	$ 128,956
RMIT 2021-3 securitization
Debt Instrument [Line Items]
Debt	125,202
Unamortized debt issuance costs	(1,527)
Net long-term debt	$ 123,675

Debt - Additional Information (

Debt - Additional Information (Detail) - USD ($) $ in Thousands	1 Months Ended	12 Months Ended
	Mar. 31, 2021	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Feb. 28, 2022	Dec. 31, 2018
Line of Credit Facility [Line Items]
Cash		$ 10,507	$ 8,052	$ 2,263		$ 3,657
Commitment fee description		The Company pays a flat unused line fee of 0.50%.
Effective interest rate		3.50%
Cash deposited to restricted cash reserve account		$ 138,682	63,824	54,164		$ 46,484
Advances on securitizations		573,700	180,000	$ 130,000
Asset-backed Securities, Securitized Loans and Receivables | Subsequent Event
Line of Credit Facility [Line Items]
Weighted average rate					3.59%
Principal amount outstanding on loans securitized or asset-backed financing arrangement					$ 250,000
RMR II Revolving Warehouse Credit Facility
Line of Credit Facility [Line Items]
Secured line of credit	$ 125,000	$ 75,000
Percentage of advances on debt agreement eligible secured finance receivables	80.00%	83.00%
Effective interest rate		2.60%
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		$ 125,000
Percentage of advances on debt agreement eligible secured finance receivables		81.00%
Effective interest rate		2.45%
Cash deposited to restricted cash reserve account		$ 200
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 rate equal to one-month LIBOR, plus a margin of 2.35%. The effective interest rate was 2.45% at December 31, 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		$ 100,000
Percentage of advances on debt agreement eligible secured finance receivables		80.00%
Effective interest rate		2.41%
Cash deposited to restricted cash reserve account		$ 700
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 effective interest rate was 2.41% at December 31, 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]
Effective interest rate		3.19%
Cash deposited to restricted cash reserve account		$ 1,400
Debt revolving period end date		2021-10
Debt maturity date		2028-11
Advances on securitizations		$ 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 business day on or after the payment date occurring in November 2021. During the year ended December 31, 2021, the Company made principal repayments of $20.8 million subsequent to the end of the revolving period. See Note 20, “Subsequent Events,” for additional information regarding this securitization.
Repayments of principal subsequent to the end of the revolving period		$ 20,800
RMIT 2020-1 securitization
Line of Credit Facility [Line Items]
Effective interest rate		2.85%
Cash deposited to restricted cash reserve account		$ 1,900
Debt revolving period end date		2023-09
Debt maturity date		2030-10
Advances on securitizations		$ 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 business day 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]
Effective interest rate		2.08%
Cash deposited to restricted cash reserve account		$ 2,600
Debt revolving period end date		2024-02
Debt maturity date		2031-03
Advances on securitizations		$ 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 business day on or after the payment date occurring in March 2024. No payments of principal of the notes will be made during the revolving period
RMIT 2021-2 securitization
Line of Credit Facility [Line Items]
Effective interest rate		2.30%
Cash deposited to restricted cash reserve account		$ 2,100
Debt revolving period end date		2026-07
Debt maturity date		2033-08
Advances on securitizations		$ 200,000
Debt Instrument, Payment Terms		Prior to maturity in August 2033, the Company may redeem the notes in full, but not in part, at its option on any business day on or after the payment date occurring in August 2026. No payments of principal of the notes will be made during the revolving period
RMIT 2021-3 securitization
Line of Credit Facility [Line Items]
Effective interest rate		3.88%
Cash deposited to restricted cash reserve account		$ 1,500
Debt revolving period end date		2026-09
Debt maturity date		2033-10
Advances on securitizations		$ 125,000
Debt Instrument, Payment Terms		Prior to maturity in October 2033, the Company may redeem the notes in full, but not in part, at its option on any business day on or after the payment date occurring in October 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		$ 107,700	$ 46,600
Minimum [Member] | RMR II 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]
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%
Effective interest rate		0.10%	0.14%
London Interbank Offered Rate (LIBOR) [Member] | Minimum [Member]
Line of Credit Facility [Line Items]
Effective interest rate on line of credit		0.50%
Unrestricted Cash Member
Line of Credit Facility [Line Items]
Cash		$ 10,500
Debt Instrument Variable Rate Base Condition Two | London Interbank Offered Rate (LIBOR) [Member] | RMR II Revolving Warehouse Credit Facility
Line of Credit Facility [Line Items]
Interest rate, basis spread	2.15%	2.35%
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] | Senior Revolving Credit Facility Prior To September Twenty Two Thousand Nineteen
Line of Credit Facility [Line Items]
Secured line of credit		$ 640,000
Debt agreement expiration date		Sep. 30, 2022
Revolving Credit Facility [Member] | Senior Revolving Credit Facility
Line of Credit Facility [Line Items]
Secured line of credit		$ 500,000
Debt agreement expiration date		Sep. 30, 2024
Percentage of advances on debt agreement eligible secured finance receivables		83.00%
Current percentage of advances on eligible secured finance receivables		83.00%
Credit facility, eligible borrowing capacity		$ 199,200
Unused line fee		0.50%

Debt - Summary of Estimated Pri

Debt - Summary of Estimated Principal Payments Required on Outstanding Debt (Detail) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Debt Disclosure [Abstract]
2022	$ 74,703
2023	126,509
2024	407,407
2025	135,706
2026	148,685
Thereafter	214,943
Total	$ 1,107,953	$ 768,909

Stockholders' Equity - Addition

Stockholders' Equity - Additional information (Detail) - USD ($) $ in Thousands	1 Months Ended	8 Months Ended	12 Months Ended
	Aug. 31, 2021	May 31, 2021	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Aug. 03, 2021	May 04, 2021	Oct. 31, 2020
Stockholders Equity Note [Abstract]
Repurchase shares of common stock	$ 50,000	$ 30,000				$ 50,000	$ 30,000	$ 30,000
Stock repurchased, shares		952,000	1,450,000	435,000	938,000
Stock repurchased, value		$ 30,000	$ 67,442	$ 12,014	$ 25,028
Stock repurchase program expiration date	Jul. 29, 2023		Oct. 22, 2022
Increase in authorized amount under stock repurchase program	$ 20,000

Stockholders' Equity - Schedule

Stockholders' Equity - Schedule of Repurchased Shares of Common Stock (Detail) - USD ($) $ / shares in Units, $ in Thousands	8 Months Ended	12 Months Ended
	May 31, 2021	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Stockholders Equity Note [Abstract]
Common stock repurchased	952,000	1,450,000	435,000	938,000
Weighted-average cost per share		$ 46.47	$ 27.58	$ 26.65
Total cost of common stock repurchased	$ 30,000	$ 67,442	$ 12,014	$ 25,028

Stockholders' Equity - Schedu_2

Stockholders' Equity - Schedule of Dividends Declared Per Share of Common Stock (Detail) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Stockholders Equity Note [Abstract]
Dividends declared per common share	$ 0.95	$ 0.20

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	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2018
Assets
Interest rate caps	$ 6,586	$ 265	$ 249
Net finance receivables	1,219,120	951,714
Level 1 Inputs [Member] | Carrying Amount [Member]
Assets
Cash	10,507	8,052
Restricted cash	138,682	63,824
Level 1 Inputs [Member] | Estimated Fair Value [Member]
Assets
Cash	10,507	8,052
Restricted cash	138,682	63,824
Level 2 Inputs [Member] | Carrying Amount [Member]
Assets
Interest rate caps	6,586	265
Level 2 Inputs [Member] | Estimated Fair Value [Member]
Assets
Interest rate caps	6,586	265
Level 3 Inputs [Member] | Carrying Amount [Member]
Assets
Net finance receivables	1,219,120	951,714
Liabilities:
Debt	1,107,953	768,909
Level 3 Inputs [Member] | Estimated Fair Value [Member]
Assets
Net finance receivables	1,323,988	1,032,558
Liabilities:
Debt	$ 1,098,625	$ 767,185

Income Taxes - Schedule of Effe

Income Taxes - Schedule of Effective Income Tax Reconciliation (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Federal tax expense at statutory rate									$ 23,619	$ 7,545	$ 12,389
Increase (reduction) in income taxes resulting from:
State tax, net of federal benefit									2,620	1,086	1,961
Non-deductible compensation									672	837	362
Excess tax benefits from share-based awards									(2,711)	(93)	(152)
Other									(414)	(177)	(299)
Total tax expense	$ 4,569	$ 6,577	$ 4,771	$ 7,869	$ 4,347	$ 4,157	$ 4,219	$ (3,525)	$ 23,786	$ 9,198	$ 14,261
Federal tax expense at statutory rate									21.00%	21.00%	21.00%
Increase (reduction) in income taxes resulting from:
State tax, net of federal benefit									2.30%	3.00%	3.30%
Non-deductible compensation									0.60%	2.30%	0.60%
Excess tax benefits from share-based awards									(2.40%)	(0.30%)	(0.30%)
Other									(0.40%)	(0.40%)	(0.40%)
Total tax expense									21.10%	25.60%	24.20%

Income Taxes - Income Tax Expen

Income Taxes - Income Tax Expense Attributable to Total Income Before Income Taxes (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Current:
Federal									$ 24,735	$ 5,874	$ 13,270
State and local									3,350	2,648	2,357
Current total									28,085	8,522	15,627
Deferred:
Federal									(4,169)	585	(1,298)
State and local									(130)	91	(68)
Deferred total									(4,299)	676	(1,366)
Total tax expense	$ 4,569	$ 6,577	$ 4,771	$ 7,869	$ 4,347	$ 4,157	$ 4,219	$ (3,525)	$ 23,786	$ 9,198	$ 14,261

Income Taxes - Net Deferred Tax

Income Taxes - Net Deferred Tax Assets and Liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deferred tax assets:
Allowance for credit losses	$ 37,179	$ 35,400
Unearned insurance commissions	7,930	5,932
Lease liability	7,223	6,863
Accrued expenses	3,949	2,296
Share-based compensation	1,942	2,530
Unearned premium reserves	517
CARES Act payroll tax deferral	349	739
State net operating loss carryforward	310	457
Other	154	493
Gross deferred tax assets	59,553	54,710
Deferred tax liabilities:
Fair market value adjustment of net finance receivables	26,995	26,748
Lease assets	6,763	6,372
Depreciation and software amortization	3,779	4,000
Deferred loan costs	2,581	1,757
Prepaid expenses	899	1,207
Other	116	505
Gross deferred tax liabilities	41,133	40,589
Net deferred tax asset	$ 18,420	$ 14,121

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2019
Income Tax Disclosure [Abstract]
State net operating loss carryforward	$ 10,600
State net operating loss carryforwards expiration year	2032
Unrecognized tax benefits		$ 815
Interest and penalties accrued, unrecognized tax benefits		$ 52

Income Taxes - Unrecognized Tax

Income Taxes - Unrecognized Tax Positions Reconciliation (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Balance at January 1	$ 815
Additions based on tax positions related to the current year		$ 363
Additions for tax positions of prior years		452
Reductions for tax positions of prior years	$ (815)
Balance at December 31		$ 815

Earnings Per Share - Computatio

Earnings Per Share - Computation of Basic and Diluted Earnings Per Share (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Numerator:
Net income	$ 20,778	$ 22,221	$ 20,166	$ 25,522	$ 14,347	$ 11,238	$ 7,470	$ (6,325)	$ 88,687	$ 26,730	$ 44,732
Denominator:
Weighted-average shares outstanding for basic earnings per share									10,034,000	10,930,000	11,401,000
Effect of dilutive securities									609,000	215,000	372,000
Weighted-average shares adjusted for dilutive securities									10,643,000	11,145,000	11,773,000
Earnings per share:
Basic	$ 2.18	$ 2.25	$ 1.98	$ 2.42	$ 1.32	$ 1.02	$ 0.68	$ (0.58)	$ 8.84	$ 2.45	$ 3.92
Diluted	$ 2.04	$ 2.11	$ 1.87	$ 2.31	$ 1.28	$ 1.01	$ 0.68	$ (0.56)	$ 8.33	$ 2.40	$ 3.80

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Stock Compensation Plans [Member]
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Options to purchase common stock, Shares	11,000	300,000	300,000

Employee Benefit Plans - Additi

Employee Benefit Plans - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Contribution Plan Disclosure [Line Items]
Minimum service period required	6 months
Expense of employee related plan	$ 1.8	$ 1.6	$ 1.5
Matching Contribution up to 3% [Member]
Defined Contribution Plan Disclosure [Line Items]
Matching contribution	100.00%	100.00%	100.00%
Matching Contribution 3 to 5% [Member]
Defined Contribution Plan Disclosure [Line Items]
Matching contribution	50.00%	50.00%	50.00%
Employee Contribution Matched at 100% [Member]
Defined Contribution Plan Disclosure [Line Items]
Employee contribution	3.00%	3.00%	3.00%
Employee Contribution Matched at 50% [Member]
Defined Contribution Plan Disclosure [Line Items]
Employee contribution	2.00%	2.00%	2.00%

Share-based Compensation - Addi

Share-based Compensation - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
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	1,100,000
Long Term Incentive Plan [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Performance target for achievement period	3 years
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	$ 7.4	$ 5.6	$ 5.1
Unrecognized share-based compensation expense	$ 10.1
Period of recognition of share-based compensation expense	1 year 9 months 18 days
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
Number of additional shares,Maximum aggregate number of shares	1,050,000
Shares available for grant	900,000
Plan description	As of December 31, 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] | Key Team Member 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] | Key Team Member 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] | Key Team Member 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)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract]
Expected volatility	47.83%	45.36%	41.06%
Expected dividends	2.63%	0.34%	0.00%
Expected term (in years)	6 years	6 years	6 years
Risk-free rate	0.64%	0.68%	2.41%

Share-based Compensation - Summ

Share-based Compensation - Summary of Company's Stock Option Plan Activity (Detail) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)$ / sharesshares
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract]
Number of Shares, Options outstanding, Beginning balance | shares	908,000
Number of Shares, Granted | shares	137,000
Number of Shares, Exercised | shares	(453,000)
Number of Shares, Expired | shares	(3,000)
Number of Shares, Options outstanding, Ending balance | shares	589,000
Number of Shares, Options exercisable | shares	443,000
Weighted Average Exercise Price Per Share, Options outstanding, Beginning balance | $ / shares	$ 19.73
Weighted Average Exercise Price Per Share, Granted | $ / shares	30.44
Weighted Average Exercise Price Per Share, Exercised | $ / shares	19.39
Weighted Average Exercise Price Per Share, Expired | $ / shares	16.30
Weighted Average Exercise Price Per Share, Options outstanding, Ending balance | $ / shares	22.50
Weighted Average Exercise Price Per Share, Options exercisable | $ / shares	$ 21.19
Weighted Average Remaining Contractual Life (Years), Options outstanding	6 years 7 months 6 days
Weighted Average Remaining Contractual Life (Years), Options exercisable	5 years 9 months 18 days
Aggregate Intrinsic Value, Options outstanding | $	$ 20,574
Aggregate Intrinsic Value, Options exercisable | $	$ 16,068

Share-based Compensation - Su_2

Share-based Compensation - Summary of Additional Stock Option Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share Based Compensation Arrangement By Share Based Payment Award Options Additional Disclosures [Abstract]
Weighted-average grant date fair value per share	$ 10.52	$ 7.80	$ 11.82
Intrinsic value of options exercised	$ 11,711	$ 2,896	$ 265
Fair value of stock options that vested	$ 1,063	$ 994	$ 1,126

Share-based Compensation - Su_3

Share-based Compensation - Summary of RSU Activity (Detail) - Restricted Stock Units (RSUs) [Member] - $ / shares shares in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
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 December 31, 2021		129	124
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	$ 27.89
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 December 31, 2020		$ 22.84	$ 21.89
[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)	12 Months Ended
	Dec. 31, 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) - Restricted Stock Units (RSUs) [Member] - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Weighted Average Grant Date Fair Value, Granted (target)	$ 30.22	$ 15.86	$ 27.89
Fair value of RSUs that vested	$ 1,199	$ 1,314	$ 916

Share-based Compensation - Su_6

Share-based Compensation - Summary of RSA Activity (Detail) - Restricted Stock [Member] - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Non-vested units at January 1, 2021	266
Granted	191
Vested	(224)
Forfeited	(14)
Non-vested units at December 31, 2021	219	266
Weighted Average Grant Date Fair Value, Non-vested units at January 1, 2020	$ 19.34
Weighted Average Grant Date Fair Value, Granted	35.18	$ 19.06	$ 27.02
Weighted Average Grant Date Fair Value, Vested	21.81
Weighted Average Grant Date Fair Value, Forfeited	24.56
Weighted Average Grant Date Fair Value Non-vested units at December 31, 2020	$ 30.32	$ 19.34

Share-based Compensation - Su_7

Share-based Compensation - Summary of Additional RSA Information (Detail) - Restricted Stock [Member] - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Weighted-average grant date fair value per share	$ 35.18	$ 19.06	$ 27.02
Fair value of RSAs that vested	$ 4,874	$ 3,760	$ 2,803

Insurance Products and Reinsu_3

Insurance Products and Reinsurance of Certain Risks - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Insurance [Line Items]
Restricted cash	$ 138,682,000	$ 63,824,000	$ 54,164,000	$ 46,484,000
Non-life Insurance [Member]
Insurance [Line Items]
Unpaid claim reserves	0	0
Increase (decrease) in unpaid claim reserves	(400,000)	1,100,000	$ 800,000
Unearned Premium Reserves [Member] | Life Insurance [Member]
Insurance [Line Items]
Restricted cash	18,500,000	11,000,000
Unpaid Claim Reserves [Member] | Life Insurance [Member]
Insurance [Line Items]
Restricted cash	$ 1,300,000	$ 900,000

Insurance Products and Reinsu_4

Insurance Products and Reinsurance of Certain Risks - Schedule of Components of Insurance Income, Net (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Insurance [Abstract]
Earned premiums	$ 53,218	$ 42,816	$ 35,544
Claims, reserves, and certain direct expenses	(17,736)	(14,467)	(14,727)
Insurance income, net	$ 35,482	$ 28,349	$ 20,817

Quarterly Information (Unaudi_3

Quarterly Information (Unaudited) - Summary of the Company's Quarterly Financial Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
Total revenue	$ 119,484	$ 111,460	$ 99,676	$ 97,731	$ 97,444	$ 90,538	$ 89,850	$ 96,074	$ 428,351	$ 373,906	$ 355,713
Provision for credit losses	31,008	26,096	20,549	11,362	24,700	22,089	27,499	49,522	89,015	123,810	99,611
General and administrative expenses	55,532	47,750	46,389	45,843	44,794	43,754	41,525	46,243	195,514	176,316	156,984
Interest expense	7,597	8,816	7,801	7,135	9,256	9,300	9,137	10,159	31,349	37,852	40,125
Income taxes	4,569	6,577	4,771	7,869	4,347	4,157	4,219	(3,525)	23,786	9,198	14,261
Net income (loss)	$ 20,778	$ 22,221	$ 20,166	$ 25,522	$ 14,347	$ 11,238	$ 7,470	$ (6,325)	$ 88,687	$ 26,730	$ 44,732
Net income (loss) per common share:
Basic	$ 2.18	$ 2.25	$ 1.98	$ 2.42	$ 1.32	$ 1.02	$ 0.68	$ (0.58)	$ 8.84	$ 2.45	$ 3.92
Diluted	$ 2.04	$ 2.11	$ 1.87	$ 2.31	$ 1.28	$ 1.01	$ 0.68	$ (0.56)	$ 8.33	$ 2.40	$ 3.80

Subsequent Events - Additional

Subsequent Events - Additional Information (Detail) - USD ($) $ / shares in Units, $ in Millions	Feb. 09, 2022	Feb. 28, 2022	Jan. 31, 2022	Aug. 31, 2021	May 31, 2021	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Aug. 03, 2021	May 04, 2021	Oct. 31, 2020
Subsequent Event [Line Items]
Repurchase shares of common stock				$ 50	$ 30				$ 50	$ 30	$ 30
Stock repurchased, shares					952,000	1,450,000	435,000	938,000
Stock repurchase program expiration date				Jul. 29, 2023		Oct. 22, 2022
Subsequent Event
Subsequent Event [Line Items]
Repurchase shares of common stock	$ 20
Stock repurchased, shares			934,000
Stock repurchase program expiration date	Feb. 3, 2024
Subsequent Event | RMIT 2019-1 securitization
Subsequent Event [Line Items]
Debt maturity date		2022-02
Subsequent Event | Asset-backed Securities, Securitized Loans and Receivables
Subsequent Event [Line Items]
Principal Amount Outstanding on Loans Securitized or Asset-backed Financing Arrangement		$ 250
Weighted average rate		3.59%
Subsequent Event | Quarterly Cash Dividend
Subsequent Event [Line Items]
Cash dividend per share		$ 0.30
Dividends payable, date to be paid		Mar. 16, 2022
Dividend date of record		Feb. 23, 2022
Dividend date of declaration		2022-02