Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Assets
Cash	$ 4,323	$ 4,509
Net finance receivables	1,773,743	1,771,410
Unearned insurance premiums	(46,081)	(47,892)
Allowance for credit losses	(185,400)	(187,400)
Net finance receivables, less unearned insurance premiums and allowance for credit losses	1,542,262	1,536,118
Restricted cash	138,891	124,164
Lease assets	35,144	34,303
Intangible assets	19,264	15,846
Property and equipment	13,411	13,787
Deferred tax assets, net	12,376	13,641
Restricted available-for-sale investments	2,157	22,740
Other assets	21,224	29,419
Total assets	1,789,052	1,794,527
Liabilities:
Debt	1,378,449	1,399,814
Unamortized debt issuance costs	(5,616)	(4,578)
Net debt	1,372,833	1,395,236
Lease liabilities	37,286	36,576
Accounts payable and accrued expenses	34,030	40,442
Total liabilities	1,444,149	1,472,254
Commitments and contingencies (Note 11)
Stockholders’ equity:
Preferred stock ($0.10 par value, 100,000 shares authorized, none issued or outstanding)
Common stock ($0.10 par value, 1,000,000 shares authorized, 14,962 shares issued and 10,156 shares outstanding at June 30, 2024 and 14,566 shares issued and 9,759 shares outstanding at December 31, 2023)	1,496	1,457
Additional paid-in capital	126,373	121,752
Retained earnings	367,216	349,579
Accumulated other comprehensive loss	(39)	(372)
Treasury stock (4,807 shares at June 30, 2024 and December 31, 2023)	(150,143)	(150,143)
Total stockholders’ equity	344,903	322,273
Total liabilities and stockholders’ equity	$ 1,789,052	$ 1,794,527