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Finance Receivables (Tables)

3 Months Ended

Jun. 30, 2018

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of finance receivables consisting of automobile finance installment Contracts and Direct Loans

		(In thousands)
		June 30, 2018				March 31, 2018
Finance receivables		$	286,391			$	301,155
Accrued Interest			2,609				2,642
Unearned dealer discounts			(13,345	)			(13,655	)
Finance receivables, net of unearned dealer discounts			275,655				290,142
Allowance for credit losses			(19,065	)			(20,266	)
Finance receivables, net		$	256,590			$	269,876

Schedule of selected information on entire comprise portfolio

		As of June 30,
		2018				2017
Contract Portfolio
Weighted APR			22.38	%			22.34	%
Weighted average discount			7.44	%			7.37	%
Weighted average term (months)			54				57
Number of active contracts			32,069				36,174
		As of June 30,
		2018				2017
Direct Loan Portfolio
Weighted APR			25.16	%			25.47	%
Weighted average term (months)			28				33
Number of active contracts			2,498				2,774

Schedule of an assessment of the credit quality by creditworthiness

		(In thousands)
		June 30, 2018								June 30, 2017
		Contracts				Direct Loans				Contracts				Direct Loans
Performing accounts		$	265,267			$	7,292			$	306,185			$	8,059
Non-performing accounts			10,059				230				17,441				200
Total		$	275,326			$	7,522			$	323,626			$	8,259
Chapter 13 bankruptcy accounts			3,486				57				3,880				39
Finance receivables		$	278,812			$	7,579			$	327,506			$	8,298

Schedule of information regarding delinquency rates

		(In thousands)
Contracts		Balance Outstanding				31 – 60 days				61 – 90 days				90-120 days				Over 120 days				Total
June 30, 2018		$	275,326			$	17,333			$	6,281			$	2,074			$	1,704			$	27,392
							6.30	%			2.28	%			0.75	%			0.62	%			9.95	%
June 30, 2017		$	323,626			$	21,490			$	10,095			$	4,208			$	3,138			$	38,931
							6.64	%			3.12	%			1.30	%			0.97	%			12.03	%
Direct Loans		Balance Outstanding				31 – 60 days				61 – 90 days				90-120 days				Over 120 days				Total
June 30, 2018		$	7,522			$	171			$	83			$	32			$	115			$	401
							2.27	%			1.10	%			0.43	%			1.53	%			5.33	%
June 30, 2017		$	8,259			$	237			$	81			$	48				71			$	437
							2.87	%			0.98	%			0.58	%			0.86	%			5.29	%

Contracts

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of reconciliation of the changes in the allowance for credit losses

		Three months ended June 30, (In thousands)
		2018				2017
Balance at beginning of period		$	19,433			$	16,885
Provision for credit losses			5,227				9,658
Charge-offs			(7,049	)			(8,691	)
Recoveries			505				527
Balance at end of period		$	18,116			$	18,379

Direct Loans

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of reconciliation of the changes in the allowance for credit losses

		Three months ended June 30, (In thousands)
		2018				2017
Balance at beginning of period		$	833			$	773
Provision for credit losses			199				94
Charge-offs			(90	)			(101	)
Recoveries			7				8
Balance at end of period		$	949			$	774

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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