Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Assets
Cash	$ 8,146	$ 8,052
Net finance receivables	1,314,233	1,136,259
Unearned insurance premiums	(44,142)	(34,545)
Allowance for credit losses	(150,100)	(150,000)
Net finance receivables, less unearned insurance premiums and allowance for credit losses	1,119,991	951,714
Restricted cash	103,999	63,824
Lease assets	28,891	27,116
Deferred tax assets, net	12,535	14,121
Property and equipment	12,495	14,008
Intangible assets	9,184	8,689
Other assets	18,317	16,332
Total assets	1,313,558	1,103,856
Liabilities:
Debt	978,803	768,909
Unamortized debt issuance costs	(10,110)	(6,661)
Net debt	968,693	762,248
Accounts payable and accrued expenses	36,114	40,284
Lease liabilities	31,285	29,201
Total liabilities	1,036,092	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, 14,177 shares issued and 10,007 shares outstanding at September 30, 2021 and 13,851 shares issued and 10,932 shares outstanding at December 31, 2020)	1,418	1,385
Additional paid-in capital	106,319	105,483
Retained earnings	287,825	227,343
Treasury stock (4,170 shares at September 30, 2021 and 2,919 shares at December 31, 2020)	(118,096)	(62,088)
Total stockholders’ equity	277,466	272,123
Total liabilities and stockholders’ equity	1,313,558	1,103,856
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	315	236
Net finance receivables	854,036	483,674
Allowance for credit losses	(92,964)	(59,046)
Restricted cash	86,297	51,849
Other assets	134	5
Total assets	847,818	476,718
Liabilities:
Net debt	838,711	477,822
Accounts payable and accrued expenses	108	87
Total liabilities	$ 838,819	$ 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.