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Finance Receivables (Tables)

9 Months Ended

Dec. 31, 2018

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

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

		(In thousands)
		December 31, 2018				March 31, 2018				December 31, 2017
Finance receivables		$	250,279			$	301,155			$	313,631
Accrued interest receivable			2,421				2,642				3,052
Unearned dealer discounts			(10,757	)			(13,655	)			(14,138	)
Unearned insurance and fee commissions			(2,758	)			(3,303	)			(3,313	)
Finance receivables, net of unearned			239,185				286,839				299,232
Allowance for credit losses			(19,975	)			(20,266	)			(21,187	)
Finance receivables, net		$	219,210			$	266,573			$	278,045

Schedule of selected information on entire comprise portfolio

		As of December 31,
Contract Portfolio		2018				2017
Average APR			22.68	%			22.21	%
Average discount			7.46	%			7.25	%
Average term (months)			53				57
Number of active contracts			29,061				33,993

		As of December 31,
Direct Loan Portfolio		2018				2017
Average APR			25.97	%			25.18	%
Average term (months)			27				33
Number of active contracts			2,641				2,718

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

		Three months ended December 31, 2018
		Contracts				Direct Loans				Consolidated
Balance at beginning of period		$	18,692			$	484			$	19,176
Provision for credit losses			7,743				127				7,870
Charge-offs			(7,337	)			(103	)			(7,440	)
Recoveries			359				10				369
Balance at December 31, 2018		$	19,457			$	518			$	19,975
		Three months ended December 31, 2017
		Contracts				Direct Loans				Consolidated
Balance at beginning of period		$	19,967			$	782			$	20,749
Provision for credit losses			8,818				171				8,989
Charge-offs			(8,745	)			(172	)			(8,917	)
Recoveries			360				6				366
Balance at December 31, 2017		$	20,400			$	787			$	21,187

		Nine months ended December 31, 2018
		Contracts				Direct Loans				Consolidated
Balance at beginning of period		$	19,433			$	833			$	20,266
Provision for credit losses			21,655				15				21,670
Charge-offs			(22,965	)			(357	)			(23,322	)
Recoveries			1,334				27				1,361
Balance at December 31, 2018		$	19,457			$	518			$	19,975
		Nine months ended December 31, 2017
		Contracts				Direct Loans				Consolidated
Balance at beginning of period		$	16,885			$	773			$	17,658
Provision for credit losses			28,498				389				28,887
Charge-offs			(26,372	)			(395	)			(26,767	)
Recoveries			1,389				20				1,409
Balance at December 31, 2017		$	20,400			$	787			$	21,187

Schedule of an assessment of the credit quality by creditworthiness

		(In thousands)
		December 31, 2018												December 31, 2017
		Contracts				Direct Loans				Total				Contracts				Direct Loans				Total
Performing accounts		$	225,110			$	8,284			$	233,394			$	283,340			$	8,030			$	291,370
Non-performing accounts			13,073				186				13,259				18,204				174				18,378
Total			238,183				8,470				246,653				301,544				8,204				309,748
Chapter 13 bankruptcy accounts			3,564				62				3,626				3,843				40				3,883
Finance receivables		$	241,747			$	8,532			$	250,279			$	305,387			$	8,244			$	313,631

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
December 31, 2018		$	238,183			$	18,229			$	6,897			$	3,760			$	2,416			$	31,302
							7.65	%			2.90	%			1.58	%			1.01	%			13.14	%
December 31, 2017		$	301,544			$	22,583			$	9,413			$	5,320			$	3,471			$	40,787
							7.49	%			3.12	%			1.76	%			1.15	%			13.53	%

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
December 31, 2018		$	8,470			$	188			$	88			$	30			$	68			$	374
							2.22	%			1.04	%			0.35	%			0.80	%			4.42	%
December 31, 2017		$	8,204			$	204			$	81			$	26			$	67			$	378
							2.49	%			0.99	%			0.32	%			0.82	%			4.61	%

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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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