Variable Interest Entities (Details) - USD ($) $ in Thousands	Jul. 31, 2020	Jan. 31, 2020	Jul. 31, 2019	Jan. 31, 2019
Assets:
Restricted cash	$ 63,836	$ 75,370
Customer accounts receivable:
Restructured accounts	201,561	211,857
Allowance for uncollectible accounts	(336,716)	(233,803)	$ (207,501)	$ (214,879)
Allowance for no-interest option credit programs	11,596	14,984
Total customer accounts receivable, net	994,160	1,337,503
Total assets	1,841,700	2,168,769	$ 2,146,225
Liabilities:
Total debt	457,807
Long-term debt	748,902	1,025,535
Less: deferred debt issuance costs	(3,779)	(6,797)
Total liabilities	1,323,114	1,541,589
2017-B Class C Notes [Member]
Liabilities:
Total debt	16,168
2018-A VIE Class A Notes [Member]
Liabilities:
Total debt	12,203
2018-A VIE Class B Notes [Member]
Liabilities:
Total debt	7,359
2018-A VIE Class C Notes [Member]
Liabilities:
Total debt	7,359
2019-A VIE Class A Notes [Member]
Liabilities:
Total debt	36,151
2019-A VIE Class B Notes [Member]
Liabilities:
Total debt	46,427
2019-A VIE Class C Notes [Member]
Liabilities:
Total debt	44,821
2019-B VIE Class A Notes [Member]
Liabilities:
Total debt	118,509
2019-B VIE Class B Notes [Member]
Liabilities:
Total debt	85,540
2019-B VIE Class C Notes [Member]
Liabilities:
Total debt	83,270
Secured Debt [Member]
Liabilities:
Total debt	457,800
Secured Debt [Member] | 2017-B Class C Notes [Member]
Liabilities:
Total debt	16,168	59,655
Secured Debt [Member] | 2018-A VIE Class A Notes [Member]
Liabilities:
Total debt	12,203	34,112
Secured Debt [Member] | 2018-A VIE Class B Notes [Member]
Liabilities:
Total debt	7,359	20,572
Secured Debt [Member] | 2018-A VIE Class C Notes [Member]
Liabilities:
Total debt	7,359	20,572
Secured Debt [Member] | 2019-A VIE Class A Notes [Member]
Liabilities:
Total debt	36,151	76,241
Secured Debt [Member] | 2019-A VIE Class B Notes [Member]
Liabilities:
Total debt	46,427	64,750
Secured Debt [Member] | 2019-A VIE Class C Notes [Member]
Liabilities:
Total debt	44,821	62,510
Secured Debt [Member] | 2019-B VIE Class A Notes [Member]
Liabilities:
Total debt	118,509	265,810
Secured Debt [Member] | 2019-B VIE Class B Notes [Member]
Liabilities:
Total debt	85,540	85,540
Secured Debt [Member] | 2019-B VIE Class C Notes [Member]
Liabilities:
Total debt	83,270	83,270
Variable Interest Entity [Member]
Assets:
Restricted cash	61,901	73,214
Due from Conn’s, Inc., net	5,542	307
Customer accounts receivable:
Customer accounts receivable	442,248	838,210
Restructured accounts	151,039	147,971
Allowance for uncollectible accounts	(173,872)	(151,263)
Allowance for no-interest option credit programs	2,701	12,445
Deferred fees and origination costs, net	(4,326)	(8,255)
Total customer accounts receivable, net	412,388	814,218
Total assets	479,831	887,739
Liabilities:
Accrued expenses	3,441	5,517
Other liabilities	7,584	7,584
Total debt	455,534	768,121
Long-term debt	457,807	773,032
Less: deferred debt issuance costs	(2,273)	(4,911)
Total liabilities	$ 466,559	$ 781,222