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Finance Receivables (Tables)

6 Months Ended

Sep. 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)
		September 30, 2018				March 31, 2018
Finance receivables		$	267,236			$	301,155
Accrued interest receivable			2,542				2,642
Unearned dealer discounts			(11,352	)			(13,655	)
Unearned insurance and fee commissions			(3,009	)			(3,303	)
Finance receivables, net of unearned			255,417				286,839
Allowance for credit losses			(19,176	)			(20,266	)
Finance receivables, net		$	236,241			$	266,573

Schedule of selected information on entire comprise portfolio

		As of September 30,
Contract Portfolio		2018				2017
Weighted APR			22.37	%			22.24	%
Weighted average discount			7.23	%			7.32	%
Weighted average term (months)			54				57
Number of active contracts			30,548				34,935

		As of September 30,
Direct Loan Portfolio		2018				2017
Weighted APR			25.14	%			25.23	%
Weighted average term (months)			32				33
Number of active contracts			2,458				2,721

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

		Three months ended September 30, 2018
		Contracts				Direct Loans				Consolidated
Balance at beginning of period		$	18,116			$	949			$	19,065
Provision (benefit) for credit losses			8,684				(310	)			8,374
Charge-offs			(8,578	)			(164	)			(8,742	)
Recoveries			470				9				479
Balance at September 30, 2018		$	18,692			$	484			$	19,176
		Three months ended September 30, 2017
		Contracts				Direct Loans				Consolidated
Balance at beginning of period		$	18,379			$	774			$	19,153
Provision for credit losses			10,022				124				10,146
Charge-offs			(8,936	)			(122	)			(9,058	)
Recoveries			502				6				508
Balance at September 30, 2017		$	19,967			$	782			$	20,749

		Six months ended September 30, 2018
		Contracts				Direct Loans				Consolidated
Balance at beginning of period		$	19,433			$	833			$	20,266
Provision (benefit) for credit losses			13,912				(111	)			13,801
Charge-offs			(15,629	)			(254	)			(15,883	)
Recoveries			976				16				992
Balance at September 30, 2018		$	18,692			$	484			$	19,176
		Six months ended September 30, 2017
		Contracts				Direct Loans				Consolidated
Balance at beginning of period		$	16,885			$	773			$	17,658
Provision for credit losses			19,680				218				19,898
Charge-offs			(17,628	)			(223	)			(17,851	)
Recoveries			1,030				14				1,044
Balance at September 30, 2017		$	19,967			$	782			$	20,749

Schedule of an assessment of the credit quality by creditworthiness

		(In thousands)
		September 30, 2018								September 30, 2017
		Contracts				Direct Loans				Contracts				Direct Loans
Performing accounts		$	245,603			$	7,257			$	293,673				7,953
Non-performing accounts			10,492				208				17,459				216
Total		$	256,095			$	7,465			$	311,132				8,169
Chapter 13 bankruptcy accounts			3,582				94				3,901				35
Finance receivables, gross contract		$	259,677			$	7,559			$	315,033				8,204

Contract Portfolio

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

Schedule of information regarding delinquency rates

		(In thousands, except percentages)
Contracts		Balance Outstanding				31 – 60 days				61 – 90 days				91 – 120 days				Over 120				Total
September 30, 2018		$	256,095			$	18,322			$	6,341			$	2,181			$	1,970			$	28,814
							7.15	%			2.48	%			0.85	%			0.77	%			11.25	%
September 30, 2017		$	311,132			$	18,330			$	8,768			$	5,067			$	3,624			$	35,789
							5.89	%			2.82	%			1.63	%			1.16	%			11.50	%

Direct Loan Portfolio

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

Schedule of information regarding delinquency rates

Direct Loans		Balance Outstanding				31 – 60 days				61 – 90 days				91 – 120 days				Over 120				Total
September 30, 2018		$	7,465			$	171			$	113			$	27			$	68			$	379
							2.29	%			1.51	%			0.36	%			0.91	%			5.08	%
September 30, 2017		$	8,169			$	216			$	50			$	54			$	112			$	432
							2.64	%			0.61	%			0.66	%			1.37	%			5.29	%

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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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