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3. Finance Receivables (Tables)
 12 Months Ended
Dec. 31, 2014
Finance Receivables  
Financial Receivables
  December 31, 
   2014   2013 
  (In thousands) 
Finance receivables          
Automobile finance receivables, net of unearned interest  $1,612,246   $1,182,950 
Less: Unearned acquisition fees and discounts   (16,290)   (27,887)
Finance receivables  $1,595,956   $1,155,063 
Delinquency status of finance receivables
   December 31, 
   2014   2013 
   (In thousands) 
Delinquency Status          
Current  $1,523,020   $1,125,926 
31 - 60 days  42,730    21,421 
61 - 90 days  23,300    24,663 
91 + days  23,196    10,940 
   $1,612,246   $1,182,950 
Allowance for credit losses
   December 31, 
   2014   2013   2012 
   (In thousands) 
Balance at beginning of year  $39,626   $19,594   $10,351 
Provision for credit losses  108,228   76,869    33,495 
Charge-offs  (109,914)  (69,455)   (37,638)
Recoveries  23,520   12,618    13,386 
Balance at end of year  $61,460   $39,626   $19,594 
Allowance for losses on repossessed inventory
   December 31, 
   2014   2013 
   (In thousands) 
Gross balance of repossessions in inventory  $28,234   $24,743 
Allowance for losses on repossessed inventory  (17,829)   (14,779)
Net repossessed inventory included in other assets  $10,405   $9,964