Finance Receivables (Tables)

3 Months Ended

Jun. 30, 2013

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

Schedule of finance receivables consisting of automobile finance installment

	June 30,			March 31,
	2013			2013
Finance receivables, gross contract	$	403,447,270		$	395,721,730
Unearned interest		(116,076,836	)		(112,922,191	)
Finance receivables, net of unearned interest		287,370,434			282,799,539
Unearned dealer discounts		(16,709,388	)		(16,415,169	)
Finance receivables, net of unearned interest and unearned dealer discounts		270,661,046			266,384,370
Allowance for credit losses		(15,403,054	)		(16,558,569	)
Finance receivables, net	$	255,257,992		$	249,825,801

Schedule of the credit quality by creditworthiness

	June 30, 2013				March 31, 2013
	Contracts		Direct Loans		Contracts		Direct Loans
Non-bankrupt accounts	$	391,977,580	$	9,654,948	$	386,324,594	$	8,779,270
Bankrupt accounts		1,802,820		11,922		615,499		2,367
Total	$	393,780,400	$	9,666,870	$	386,940,093	$	8,781,637
Performing accounts	$	388,159,066	$	9,623,370	$	382,843,130	$	8,746,338
Non-performing accounts		5,621,334		43,500		4,096,963		35,299
Total	$	393,780,400	$	9,666,870	$	386,940,093	$	8,781,637

Schedule of information regarding delinquency rates

	Gross Balance		Delinquencies
Contracts	Outstanding		31 – 60 days			61 – 90 days			Over 90 days			Total
June 30, 2013	$	393,780,400	$	12,803,342		$	3,540,383		$	2,080,951		$	18,424,676
				3.25	%		0.90	%		0.53	%		4.68	%
June 30, 2012	$	385,611,683	$	12,745,275		$	3,216,955		$	804,930		$	16,767,160
				3.31	%		0.83	%		0.21	%		4.35	%

Direct Loans	Gross Balance Outstanding		31 – 60 days			61 – 90 days			Over 90 days			Total
June 30, 2013	$	9,666,870	$	83,885		$	27,046		$	16,454		$	127,385
				0.87	%		0.28	%		0.17	%		1.32	%
June 30, 2012	$	7,095,917	$	78,044		$	19,390		$	4,226		$	101,660
				1.10	%		0.27	%		0.06	%		1.43	%

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,
	2013			2012
Balance at beginning of period	$	16,090,652		$	19,499,208
Provision for credit losses		2,494,430			3,013,676
Losses absorbed		(4,648,976	)		(3,659,844	)
Recoveries		875,067			788,616
Balance at end of period	$	14,811,173		$	19,641,656

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 31,
	2013			2012
Balance at beginning of period	$	467,917		$	492,184
Current period provision		147,361			89,590
Losses absorbed		(27,586	)		(25,092	)
Recoveries		4,189			5,121
Balance at end of period	$	591,881		$	561,803