Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Assets
Cash	$ 6,086	$ 8,052
Net finance receivables	1,183,387	1,136,259
Unearned insurance premiums	(39,469)	(34,545)
Allowance for credit losses	(139,400)	(150,000)
Net finance receivables, less unearned insurance premiums and allowance for credit losses	1,004,518	951,714
Restricted cash	99,920	63,824
Lease assets	28,223	27,116
Deferred tax assets, net	14,109	14,121
Property and equipment	12,658	14,008
Intangible assets	9,081	8,689
Other assets	16,710	16,332
Total assets	1,191,305	1,103,856
Liabilities:
Debt	853,067	768,909
Unamortized debt issuance costs	(9,356)	(6,661)
Net debt	843,711	762,248
Accounts payable and accrued expenses	38,316	40,284
Lease liabilities	30,295	29,201
Total liabilities	912,322	831,733
Commitments and contingencies (Note 11)
Stockholders’ equity:
Preferred stock ($0.10 par value, 100,000 shares authorized, none issued or outstanding)
Common stock ($0.10 par value, 1,000,000 shares authorized, 14,141 shares issued and 10,360 shares outstanding at June 30, 2021 and 13,851 shares issued and 10,932 shares outstanding at December 31, 2020)	1,414	1,385
Additional paid-in capital	105,509	105,483
Retained earnings	268,172	227,343
Treasury stock (3,780 shares at June 30, 2021 and 2,919 shares at December 31, 2020)	(96,112)	(62,088)
Total stockholders’ equity	278,983	272,123
Total liabilities and stockholders’ equity	1,191,305	1,103,856
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	189	236
Net finance receivables	714,401	483,674
Allowance for credit losses	(80,622)	(59,046)
Restricted cash	85,231	51,849
Other assets	7	5
Total assets	719,206	476,718
Liabilities:
Net debt	700,409	477,822
Accounts payable and accrued expenses	138	87
Total liabilities	$ 700,547	$ 477,909

Sum of the carrying values as of the balance sheet date of obligations incurred through that date, including liabilities incurred and payable to vendors for goods and services received, taxes, interest, rent and utilities, compensation costs, payroll taxes and fringe benefits (other than pension and postretirement obligations), contractual rights and obligations, and statutory obligations.

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- Definition

Value received from shareholders in common stock-related transactions that are in excess of par value or stated value and amounts received from other stock-related transactions. Includes only common stock transactions (excludes preferred stock transactions). May be called contributed capital, capital in excess of par, capital surplus, or paid-in capital.