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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Cash flows from operating activities:    
Net income $ 7,007 $ 15,205
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 57,992 46,423
Depreciation and amortization 3,603 3,498
Amortization of deferred origination fees and costs (4,045) (3,874)
Loss on disposal of intangibles, property, and equipment 82 215
Share-based compensation 3,501 1,832
Deferred income taxes, net (72) 108
Changes in operating assets and liabilities:    
Decrease in unearned insurance premiums (961) (2,217)
(Increase) decrease in lease assets (2,257) 903
Decrease in other assets 6,562 8,077
Decrease in other liabilities (9,956) (10,802)
Increase (decrease) in lease liabilities 2,209 (897)
Net cash provided by operating activities 63,665 58,471
Cash flows from investing activities:    
Originations of finance receivables (394,151) (325,995)
Repayments of finance receivables 338,362 309,019
Purchases of intangible assets (3,203) (2,603)
Purchases of property and equipment (1,275) (1,026)
Purchase of restricted AFS investments   (3,832)
Proceeds from maturities of restricted AFS investments   4,108
Net cash used in investing activities (60,267) (20,329)
Cash flows from financing activities:    
Advances on revolving credit facilities 415,024 359,518
Payments on revolving credit facilities (589,527) (351,421)
Advances on securitizations 265,000  
Payments on securitizations (90,269) (48,996)
Payments for debt issuance costs (2,762) (400)
Taxes refunded (paid) related to net share settlement of equity awards (408) 147
Cash dividends (3,152) (3,254)
Repurchases of common stock (6,469)  
Net cash used in financing activities (12,563) (44,406)
Net change in cash and restricted cash (9,165) (6,264)
Cash and restricted cash at beginning of period 135,635 128,673
Cash and restricted cash at end of period 126,470 122,409
Supplemental cash flow information:    
Interest paid 19,151 16,308
Income taxes refunded (81) (967)
Operating leases paid 3,117 2,806
Non-cash lease assets and liabilities acquired $ 4,710 $ 1,368