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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Cash flows from operating activities:    
Net income $ 11,401 $ 7,007
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 64,868 57,992
Depreciation and amortization 4,769 3,603
Amortization of deferred origination fees and costs (3,234) (4,045)
Loss on disposal of intangibles, property, and equipment 28 82
Share-based compensation 1,899 3,501
Deferred income taxes, net 545 (72)
Changes in operating assets and liabilities:    
Decrease in unearned insurance premiums (1,852) (961)
Increase in lease assets (346) (2,257)
Decrease in other assets 8,583 6,562
Decrease in accounts payable and accrued expenses (6,008) (9,956)
Increase in lease liabilities 356 2,209
Net cash provided by operating activities 81,009 63,665
Cash flows from investing activities:    
Originations and purchases of finance receivables (390,135) (394,151)
Repayments of finance receivables 359,570 338,362
Purchases of intangible assets (3,145) (3,203)
Purchases of property and equipment (1,110) (1,275)
Net cash used in investing activities (34,820) (60,267)
Cash flows from financing activities:    
Advances on revolving credit facilities 258,511 415,024
Payments on revolving credit facilities (262,696) (589,527)
Advances on securitizations 0 265,000
Payments on securitizations (25,218) (90,269)
Payments for debt issuance costs (3) (2,762)
Taxes paid related to net share settlement of equity awards (632) (408)
Cash dividends (3,419) (3,152)
Repurchases of common stock (7,506) (6,469)
Net cash used in financing activities (40,963) (12,563)
Net change in cash and restricted cash 5,226 (9,165)
Cash and restricted cash at beginning of period 97,997 135,635
Cash and restricted cash at end of period 103,223 126,470
Supplemental cash flow information:    
Interest paid 21,029 19,151
Income taxes refunded (448) (81)
Operating leases paid 3,435 3,117
Non-cash lease assets obtained in exchange for operating lease liabilities $ 3,064 $ 4,710