Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets
Cash	$ 17,635	$ 10,507
Net finance receivables	1,446,071	1,426,257
Unearned insurance premiums	(47,075)	(47,837)
Allowance for credit losses	(158,800)	(159,300)
Net finance receivables, less unearned insurance premiums and allowance for credit losses	1,240,196	1,219,120
Restricted cash	138,919	138,682
Lease assets	28,087	28,721
Deferred tax assets, net	18,093	18,420
Property and equipment	13,036	12,938
Intangible assets	9,475	9,517
Other assets	32,230	21,757
Total assets	1,497,671	1,459,662
Liabilities:
Debt	1,134,377	1,107,953
Unamortized debt issuance costs	(12,001)	(11,010)
Net debt	1,122,376	1,096,943
Accounts payable and accrued expenses	46,302	49,283
Lease liabilities	30,251	30,700
Total liabilities	1,198,929	1,176,926
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, 14,360 shares issued and 9,806 shares outstanding at March 31, 2022 and 14,157 shares issued and 9,788 shares outstanding at December 31, 2021)	1,436	1,416
Additional paid-in capital	105,989	104,745
Retained earnings	329,878	306,105
Treasury stock (4,554 shares at March 31, 2022 and 4,370 shares at December 31, 2021)	(138,561)	(129,530)
Total stockholders’ equity	298,742	282,736
Total liabilities and stockholders’ equity	1,497,671	1,459,662
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	361	364
Net finance receivables	1,086,164	1,004,954
Allowance for credit losses	(117,001)	(109,898)
Restricted cash	117,827	118,818
Other assets	9	4
Total assets	1,087,360	1,014,242
Liabilities:
Net debt	1,078,699	986,223
Accounts payable and accrued expenses	92	71
Total liabilities	$ 1,078,791	$ 986,294