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Finance Receivables (Tables)

3 Months Ended

Jun. 30, 2019

Accounts Notes And Loans Receivable [Line Items]

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

		(In thousands)
		June 30, 2019				March 31, 2019				June 30, 2018
Finance receivables		$	235,931			$	228,994			$	286,391
Accrued interest receivable			3,158				2,889				2,609
Unearned dealer discounts			(9,533	)			(10,083	)			(13,345	)
Unearned insurance and fee commissions			(2,715	)			(2,826	)			(3,253	)
Finance receivables, net of unearned			226,841				218,974				272,402
Purchase price discount			(1,303	)			—				—
Allowance for credit losses			(16,112	)			(16,932	)			(19,065	)
Finance receivables, net		$	209,426			$	202,042			$	253,337

Schedule of selected information on entire comprise portfolio

		As of June 30,
Contract Portfolio		2019				2018
Average APR			22.63	%			22.38	%
Average discount			7.65	%			7.44	%
Average term (months)			52				54
Number of active contracts			28,631				32,069

		As of June 30,
Direct Loan Portfolio		2019				2018
Average APR			26.24	%			25.16	%
Average term (months)			27				28
Number of active contracts			2,763				2,498

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

		Three months ended June 30, 2019
		Contracts				Direct Loans				Consolidated
Balance at beginning of period		$	16,575			$	357			$	16,932
Provision for credit losses			3,980				405				4,385
Charge-offs			(6,811	)			(157	)			(6,968	)
Recoveries			1,750				13				1,763
Balance at June 30, 2019		$	15,494			$	618			$	16,112
		Three months ended June 30, 2018
		Contracts				Direct Loans				Consolidated
Balance at beginning of period		$	19,433			$	833			$	20,266
Provision for credit losses			5,227				199				5,426
Charge-offs			(7,049	)			(90	)			(7,139	)
Recoveries			505				7				512
Balance at June 30, 2018		$	18,116			$	949			$	19,065

Schedule of an assessment of the credit quality by creditworthiness

		(In thousands)
		June 30, 2019												June 30, 2018
		Contracts				Direct Loans				Total				Contracts				Direct Loans				Total
Performing accounts		$	219,772			$	8,549			$	228,321			$	265,267			$	7,292			$	272,559
Non-performing accounts			6,939				149				7,088				10,719				224				10,943
Total			226,711				8,698				235,409				275,986				7,516				283,502
Chapter 13 bankruptcy accounts			519				3				522				3,486				57				3,543
Finance receivables		$	227,230			$	8,701			$	235,931			$	279,472			$	7,573			$	287,045

Direct Loan Portfolio

Accounts Notes And Loans Receivable [Line Items]

Schedule of information regarding delinquency rates

			Direct Loans
			Balance Outstanding				31 – 59 days				60 – 89 days				90 – 119 days				120+				Total
June 30, 2019			$	8,698			$	228			$	103			$	46			$	—			$	377
								2.62	%			1.18	%			0.53	%			—				4.33	%
June 30, 2018			$	7,516			$	167			$	82			$	36			$	106			$	391
								2.22	%			1.09	%			0.48	%			1.41	%			5.20	%

Contract Portfolio

Accounts Notes And Loans Receivable [Line Items]

Schedule of information regarding delinquency rates

			Contracts
			(In thousands, except percentages)
			Balance Outstanding				31 – 59 days				60 – 89 days				90 – 119 days				120+				Total
June 30, 2019			$	226,711			$	13,566			$	5,302			$	1,627			$	10			$	20,505
								5.98	%			2.34	%			0.72	%			—				9.04	%
June 30, 2018			$	275,986			$	16,645			$	6,624			$	2,377			$	1,718			$	27,364
								6.03	%			2.40	%			0.86	%			0.62	%			9.91	%

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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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