XML 43 R33.htm IDEA: XBRL DOCUMENT
v3.5.0.2

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Reconciliation of Allowance for Credit Losses (Detail) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended |
--- | --- | --- | ---
Jun. 30, 2016 | Jun. 30, 2015 | Jun. 30, 2016 | Jun. 30, 2015 | Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Balance at beginning of period | $ 36,230 | $ 36,950 | $ 37,452 | $ 40,511 |
Provision | 13,386 | 12,102 | 27,177 | 21,814 |
Charge-offs | (14,702) | (13,439) | (30,896) | (27,548) |
Recoveries | 1,286 | 558 | 2,467 | 1,394 |
Balance at end of period | 36,200 | 36,171 | 36,200 | 36,171 |
Finance receivables | $ 645,744 | $ 572,525 | $ 645,744 | $ 572,525 | $ 628,444
Allowance as Percentage of Finance Receivable | 5.60% | 6.30% | 5.60% | 6.30% |
Branch Small [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Balance at beginning of period | $ 9,145 | $ 6,750 | $ 9,456 | $ 6,960 |
Provision | 4,757 | 3,487 | 9,330 | 6,414 |
Charge-offs | (4,928) | (3,230) | (10,170) | (6,563) |
Recoveries | 323 | 131 | 681 | 327 |
Balance at end of period | 9,297 | 7,138 | 9,297 | 7,138 |
Finance receivables | $ 162,562 | $ 140,161 | $ 162,562 | $ 140,161 | 157,755
Allowance as Percentage of Finance Receivable | 5.70% | 5.10% | 5.70% | 5.10% |
Convenience Checks [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Balance at beginning of period | $ 11,406 | $ 13,790 | $ 12,079 | $ 18,320 |
Provision | 3,189 | 4,322 | 8,767 | 6,029 |
Charge-offs | (5,572) | (7,133) | (12,277) | (13,660) |
Recoveries | 432 | 226 | 886 | 516 |
Balance at end of period | 9,455 | 11,205 | 9,455 | 11,205 |
Finance receivables | $ 157,515 | $ 174,786 | $ 157,515 | $ 174,786 | 180,402
Allowance as Percentage of Finance Receivable | 6.00% | 6.40% | 6.00% | 6.40% |
Large [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Balance at beginning of period | $ 6,076 | $ 3,119 | $ 5,593 | $ 1,980 |
Provision | 3,492 | 2,693 | 5,149 | 4,270 |
Charge-offs | (1,810) | (492) | (3,098) | (1,004) |
Recoveries | 128 | 44 | 242 | 118 |
Balance at end of period | 7,886 | 5,364 | 7,886 | 5,364 |
Finance receivables | $ 194,857 | $ 93,203 | $ 194,857 | $ 93,203 | 146,553
Allowance as Percentage of Finance Receivable | 4.00% | 5.80% | 4.00% | 5.80% |
Automobile [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Balance at beginning of period | $ 8,028 | $ 11,833 | $ 8,828 | $ 11,776 |
Provision | 1,341 | 1,314 | 2,770 | 4,433 |
Charge-offs | (1,860) | (2,153) | (4,297) | (5,457) |
Recoveries | 342 | 127 | 550 | 369 |
Balance at end of period | 7,851 | 11,121 | 7,851 | 11,121 |
Finance receivables | $ 100,721 | $ 139,593 | $ 100,721 | $ 139,593 | 116,109
Allowance as Percentage of Finance Receivable | 7.80% | 8.00% | 7.80% | 8.00% |
Retail [Member] |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |
Balance at beginning of period | $ 1,575 | $ 1,458 | $ 1,496 | $ 1,475 |
Provision | 607 | 286 | 1,161 | 668 |
Charge-offs | (532) | (431) | (1,054) | (864) |
Recoveries | 61 | 30 | 108 | 64 |
Balance at end of period | 1,711 | 1,343 | 1,711 | 1,343 |
Finance receivables | $ 30,089 | $ 24,782 | $ 30,089 | $ 24,782 | $ 27,625
Allowance as Percentage of Finance Receivable | 5.70% | 5.40% | 5.70% | 5.40% |

X
- Definition The allowance for credit losses as a percentage of total finance receivables. + References No definition available. + Details
Name: | rm_AllowancePercentageOfFinanceReceivables
Namespace Prefix: | rm_
Data Type: | num:percentItemType
Balance Type: | na
Period Type: | instant

X
- Definition Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. + References No definition available. + Details
Name: | us-gaap_AccountsNotesAndLoansReceivableLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition For an unclassified balance sheet, a valuation allowance for receivables due a company that are expected to be uncollectible. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5074-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
Name: | us-gaap_AllowanceForDoubtfulAccountsReceivable
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of recoveries of receivables doubtful of collection that were previously charged off. + References No definition available. + Details
Name: | us-gaap_AllowanceForDoubtfulAccountsReceivableRecoveries
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount of direct write-downs of accounts receivable charged against the allowance. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 954 -SubTopic 310 -Section 50 -Paragraph 3 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=68075217&loc=SL9156395-115594 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5074-111524 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
Name: | us-gaap_AllowanceForDoubtfulAccountsReceivableWriteOffs
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=65884687&loc=d3e4428-111522 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5074-111524 + Details
Name: | us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of expense related to write-down of receivables to the amount expected to be collected. Includes, but is not limited to, accounts receivable and notes receivable. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 225 -SubTopic 10 -Section S99 -Paragraph 2 -Subparagraph (SX 210.5-03.5) -URI http://asc.fasb.org/extlink&oid=63488584&loc=d3e20235-122688 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 28 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=66902209&loc=d3e3602-108585 + Details
Name: | us-gaap_ProvisionForDoubtfulAccounts
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=rm_BranchSmallLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=rm_ConvenienceChecksMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=rm_LargeLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_AutomobileLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=rm_RetailLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |