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Consolidated Statements of Cash Flows (USD $)
 12 Months Ended
Mar. 31, 2012
Mar. 31, 2011
Mar. 31, 2010
Cash flows from operating activities:      
Net income $ 22,230,292 $ 16,805,184 $ 10,864,561
Adjustments to reconcile net income to net cash provided by operating activities:      
Depreciation 287,839 266,686 322,050
Gain on sale of property and equipment (26,945) (25,792) (10,032)
Provision for credit losses 5,319 4,610,221 11,321,849
Deferred income taxes 250,566 (1,417,788) (1,217,391)
Share-based compensation 551,912 660,328 450,374
Change in fair value of interest rate swaps   (495,136) (1,034,869)
Changes in operating assets and liabilities:      
Prepaid expenses and other assets (70,425) 101,807 (65,291)
Accounts payable and accrued expenses (596,958) 1,068,422 587,285
Income taxes receivable/payable (731,289) (187,065) 214,368
Deferred revenues (25,432) (29,243) (106,986)
Net cash provided by operating activities 21,874,879 21,357,624 21,325,918
Cash flows from investing activities:      
Purchase and origination of finance contracts (134,347,957) (134,049,373) (110,184,843)
Principal payments received 122,157,971 101,715,052 83,117,609
(Increase) decrease in assets held for resale (317,861) 14,991 (11,650)
Purchase of property and equipment (320,537) (393,782) (208,671)
Proceeds from sale of property and equipment 72,170 42,670 10,032
Net cash used in investing activities (12,756,214) (32,670,442) (27,277,523)
Cash flows from financing activities:      
Net (repayment of) proceeds from line of credit (6,000,000) 10,725,029 5,244,776
Payment of cash dividend (3,593,021)    
(Decrease) increase in drafts payable (276,530) 937,402 (34,033)
Proceeds from exercise of stock options 830,277 55,610 269,206
Excess tax benefits from exercise of stock options, vesting of restricted share awards and issuance of performance share awards 706,123 78,423 272,975
Net cash (used in) provided by financing activities (8,333,151) 11,796,464 5,752,924
Net increase (decrease) in cash 785,514 483,646 (198,681)
Cash, beginning of year 2,017,540 1,533,894 1,732,575
Cash, end of year 2,803,054 2,017,540 1,533,894
Supplemental disclosure of noncash investing and financing activities:      
Decrease in accumulated other comprehensive loss for change in fair value of interest rate swaps   178,090 577,829
Shortfall of tax benefits from vesting of restricted share awards and issuance of performance share awards   $ (1,450) $ (15,375)