Finance Receivables (Tables)

12 Months Ended

Mar. 31, 2013

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

Schedule of the credit quality by creditworthiness

	2013				2012
	Contracts		Direct Loans		Contracts		Direct Loans
Non-bankrupt accounts	$	386,324,594	$	8,779,270	$	382,358,608	$	4,844,683
Bankrupt accounts		615,499		2,367		408,059		6,182
Total	$	386,940,093	$	8,781,637	$	382,766,667	$	4,850,865
Performing accounts	$	382,843,130	$	8,746,338	$	380,213,503	$	4,833,310
Non-performing accounts		4,096,963		35,299		2,553,164		17,555
Total	$	386,940,093	$	8,781,637	$	382,766,667	$	4,850,865

Schedule of information regarding delinquency rates

			Delinquencies
Contracts	Gross Balance Outstanding		30 – 59 days			60 – 89 days			90 + days			Total
March 31, 2013	$	386,940,093	$	10,557,122		$	2,723,456		$	1,373,507		$	14,654,085
				2.73	%		0.70	%		0.35	%		3.78	%
March 31, 2012	$	382,766,667	$	8,994,485		$	1,889,643		$	663,521		$	11,547,649
				2.35	%		0.49	%		0.17	%		3.01	%
March 31, 2011	$	368,099,418	$	6,106,211		$	1,468,079		$	549,518		$	8,123,808
				1.66	%		0.40	%		0.15	%		2.21	%
Direct Loans	Gross Balance Outstanding		30 – 59 days			60 – 89 days			90 + days			Total
March 31, 2013	$	8,781,637	$	72,364		$	21,509		$	13,790		$	107,663
				0.82	%		0.25	%		0.16	%		1.23	%
March 31, 2012	$	6,221,688	$	48,899		$	14,257		$	4,933		$	68,089
				0.79	%		0.23	%		0.07	%		1.09	%
March 31, 2011	$	4,850,865	$	37,399		$	5,636		$	11,919		$	54,954
				0.77	%		0.11	%		0.25	%		1.13	%

Contracts

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

Schedule of finance receivables consisting of automobile finance installment contracts and direct loans

	2013			2012			2011
Indirect finance receivables, gross contract	$	386,940,093		$	382,766,667		$	368,099,418
Unearned interest		(111,121,493	)		(109,456,018	)		(105,622,007	)
Indirect finance receivables, net of unearned interest		275,818,600			273,310,649			262,477,411
Unearned dealer discounts		(16,415,169	)		(17,091,567	)		(17,024,119	)
Indirect finance receivables, net of unearned interest and unearned dealer discounts		259,403,431			256,219,082			245,453,292
Allowance for credit losses		(16,090,652	)		(19,499,208	)		(19,952,595	)
Indirect finance receivables, net	$	243,312,779		$	236,719,874		$	225,500,697

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

	2013			2012			2011
Balance at beginning of year	$	19,499,208		$	19,952,595		$	16,383,893
Provision for credit losses		13,252,382			12,185,529			15,485,607
Losses absorbed		(19,851,080	)		(14,971,422	)		(14,036,888	)
Recoveries		3,190,142			2,405,750			2,255,683
Discounts accreted		—			(73,244	)		(135,700	)
Balance at end of year	$	16,090,652		$	19,499,208		$	19,952,595

Direct Loans

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

Schedule of finance receivables consisting of automobile finance installment contracts and direct loans

	2013			2012			2011
Direct finance receivables, gross contract	$	8,781,637		$	6,221,688		$	4,850,865
Unearned interest		(1,800,698	)		(1,195,948	)		(890,555	)
Direct finance receivables, net of unearned interest		6,980,939			5,025,740			3,960,310
Allowance for credit losses		(467,917	)		(492,184	)		(378,418	)
Direct finance receivables, net	$	6,513,022		$	4,533,556		$	3,581,892

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

	2013			2012			2011
Balance at beginning of year	$	492,184		$	378,418		$	382,869
Provision for credit losses		139,493			182,062			125,937
Losses absorbed		(190,871	)		(93,041	)		(173,970	)
Recoveries		27,111			24,745			43,582
Balance at end of year	$	467,917		$	492,184		$	378,418