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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Cash flows from operating activities:    
Net income $ 31,503 $ 31,313
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 179,053 154,574
Depreciation and amortization 11,723 10,463
Amortization of deferred origination fees and costs (12,114) (11,511)
Loss on disposal of intangibles, property, and equipment 293 364
Share-based compensation 9,059 8,824
Deferred income taxes, net 8,718 1,731
Changes in operating assets and liabilities:    
Increase (decrease) in unearned insurance premiums 2,919 (1,384)
Increase in lease assets (2,340) (2,926)
(Increase) decrease in other assets (1,835) 12,944
Decrease in other liabilities (299) (2,081)
Increase in lease liabilities 2,327 2,774
Net cash provided by operating activities 229,007 205,085
Cash flows from investing activities:    
Originations of finance receivables (1,428,980) (1,175,341)
Repayments of finance receivables 1,114,056 990,669
Purchases of intangible assets (9,334) (9,702)
Purchases of property and equipment (3,307) (3,538)
Purchase of restricted AFS investments (19,910) (23,202)
Proceeds from maturities of restricted AFS investments 19,460 24,715
Net cash used in investing activities (328,015) (196,399)
Cash flows from financing activities:    
Advances on revolving credit facilities 1,356,785 1,199,215
Payments on revolving credit facilities (1,290,457) (1,194,926)
Advances on securitizations 265,000 187,305
Payments on securitizations (228,134) (195,754)
Payments for debt issuance costs (5,440) (3,184)
Taxes paid related to net share settlement of equity awards (592) (448)
Cash dividends (8,768) (9,246)
Repurchases of common stock (16,478)  
Net cash provided by (used in) financing activities 71,916 (17,038)
Net change in cash and restricted cash (27,092) (8,352)
Cash and restricted cash at beginning of period 135,635 128,673
Cash and restricted cash at end of period 108,543 120,321
Supplemental cash flow information:    
Interest paid 57,281 50,692
Income taxes paid 6,362 2,504
Operating leases paid 9,648 8,550
Non-cash lease assets obtained in exchange for operating lease liabilities $ 9,906 $ 9,649