Finance Receivables (Tables)

9 Months Ended

Dec. 31, 2016

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, 2016			March 31, 2016
Finance receivables, gross contract	$	515,316		$	498,130
Unearned interest		(161,645	)		(155,257	)
Finance receivables, net of unearned interest		353,671			342,873
Unearned dealer discounts		(17,166	)		(18,023	)
Finance receivables, net of unearned interest and unearned dealer discounts		336,505			324,850
Allowance for credit losses		(14,748	)		(13,013	)
Finance receivables, net	$	321,757		$	311,837

Schedule of information on the entire portfolio

	As of December 31,
Contract Portfolio	2016			2015
Weighted APR		22.43	%		22.71	%
Weighted average discount		7.48	%		7.70	%
Weighted average term (months)		57			56
Number of active contracts		37,834			38,013

	As of December 31,
Direct Loan Portfolio	2016			2015
Weighted APR		25.69	%		25.75	%
Weighted average term (months)		33			32
Number of active contracts		3,023			3,185

Schedule of an assessment of the credit quality by creditworthiness

	(In thousands)
	December 31, 2016				December 31, 2015
	Contracts		Direct Loans		Contracts		Direct Loans
Performing accounts	$	462,569	$	11,231	$	467,285	$	11,932
Non-performing accounts		36,980		280		11,112		100
Total	$	499,549	$	11,511	$	478,397	$	12,032
Chapter 13 bankruptcy accounts		4,220		36		4,341		38
Finance receivables, gross contract	$	503,769	$	11,547	$	482,738	$	12,070

Schedule of information regarding delinquency rates

	(In thousands)
Contracts	Gross Balance Outstanding		31 – 60 days			61 –90 days			Over 90 days			Total
December 31, 2016	$	499,549	$	35,184		$	17,263		$	19,717		$	72,164
				7.04	%		3.46	%		3.95	%		14.45	%
December 31, 2015	$	478,397	$	23,971		$	7,030		$	4,082		$	35,083
				5.01	%		1.47	%		0.85	%		7.33	%
Direct Loans	Gross Balance Outstanding		31 – 60 days			61 –90 days			Over 90 days			Total
December 31, 2016	$	11,511	$	282		$	155		$	125		$	562
				2.45	%		1.34	%		1.09	%		4.88	%
December 31, 2015	$	12,032	$	212		$	63		$	37		$	312
				1.76	%		0.53	%		0.31	%		2.60	%

Contracts

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

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

	Three months ended December 31, (In thousands)						Nine months ended December 31, (In thousands)
	2016			2015			2016			2015
Balance at beginning of period	$	12,925		$	10,955		$	12,265		$	11,325
Current period provision		8,701			7,437			23,723			18,402
Losses absorbed		(8,247	)		(7,584	)		(23,815	)		(20,454	)
Recoveries		570			694			1,776			2,229
Balance at end of period	$	13,949		$	11,502		$	13,949		$	11,502

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 December 31, (In thousands)						Nine months ended December 31, (In thousands)
	2016			2015			2016			2015
Balance at beginning of period	$	774		$	780		$	748		$	703
Current period provision		95			162			243			364
Losses absorbed		(73	)		(83	)		(217	)		(224	)
Recoveries		3			1			25			17
Balance at end of period	$	799		$	860		$	799		$	860