Note 9 - Notes Payable and Variable Interest Entities (Tables)

12 Months Ended

Dec. 31, 2019

Schedule of Variable Interest Entities [Table Text Block]

	As of
	December 31, 2019			December 31, 2018
Unrestricted cash and cash equivalents	$	78.7		$	16.8
Restricted cash and cash equivalents	$	25.9		$	61.0
Loans, interest and fees receivable, at fair value	$	3.9		$	5.7
Loans, interest and fees receivable, gross	$	857.2		$	403.4
Allowances for uncollectible loans, interest and fees receivable	$	(168.8	)	$	(57.4	)
Deferred revenue	$	(40.7	)	$	(13.2	)
Total Assets held by VIEs	$	756.2		$	416.3
Notes Payable, at face value held by VIEs	$	701.1		$	366.7
Notes Payable, at fair value held by VIEs	$	3.9		$	5.7
Maximum exposure to loss due to involvement with VIEs	$	654.3		$	438.5

Schedule of Debt [Table Text Block]

	As of
	December 31, 2019			December 31, 2018
Revolving credit facilities at a weighted average interest rate equal to 6.0% at December 31, 2019 (7.6% at December 31, 2018) secured by the financial and operating assets of CAR and/or certain receivables and restricted cash with a combined aggregate carrying amount of $740.4 million as of December 31, 2019 ($468.8 million at December 31, 2018)
Revolving credit facility, not to exceed $55.0 million (expiring November 1, 2021) (1) (2) (3)	$	39.1		$	30.0
Revolving credit facility, not to exceed $50.0 million (expiring October 30, 2022) (2) (3) (4) (5)		40.5			49.9
Revolving credit facility, not to exceed $20.0 million (expiring March 31, 2020) (2) (4) (5)	19.4				—
Revolving credit facility, not to exceed $70.0 million (expiring February 8, 2022) (3) (4) (5) (6)		25.8			61.0
Revolving credit facility, not to exceed $100.0 million (expiring June 11, 2021) (3) (4) (5) (6)		—			80.5
Revolving credit facility, not to exceed $15.0 million (expiring July 15, 2021) (2) (4) (5)		14.6			—
Revolving credit facility, not to exceed $100.0 million (expiring November 16, 2020) (3) (4) (5) (6)		—			8.0
Revolving credit facility, not to exceed $167.3 million (expiring November 15, 2023) (3) (4) (5) (6)		167.3			167.3
Revolving credit facility, not to exceed $200.0 million (expiring December 15, 2022) (3) (4) (5) (6)		200.0			—
Revolving credit facility, not to exceed $200.0 million (expiring May 15, 2024) (3) (4) (5) (6)		200.0			—
Revolving credit facility, not to exceed $15.0 million (expiring December 21, 2020) (2) (3) (4) (5)		8.6			—
Revolving credit facility, not to exceed $50.0 million (expiring September 19, 2021) (2) (3) (4) (5)		15.0			—
Other facilities
Other secured debt (expiring September 8, 2023) that is secured by certain assets of the Company with an annual rate equal to 5.5%		1.2			1.2
Unsecured term debt (expiring August 26, 2024) with an annual rate equal to 8.0% (3)		17.4			—
Amortizing debt facility (expiring September 30, 2021) with an annual rate equal to 6.2% (2) (3) (4) (5)		10.0			—
Senior secured term loan to related parties (paid-off on December 27, 2019) that was secured by certain assets of the Company with an annual rate equal to 9.0% (3)		—			40.0
Total notes payable before unamortized debt issuance costs and discounts		758.9			437.9
Unamortized debt issuance costs and discounts		(9.7	)		(7.0	)
Total notes payable outstanding	$	749.2		$	430.9

Structured Financing Notes Payable [Member]

Notes Tables

Schedule of Debt [Table Text Block]

	Carrying Amounts at Fair Value as of
	December 31, 2019		December 31, 2018
Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of December 31, 2019 ($101.3 million as of December 31, 2018) bearing interest at a weighted average 6.9% interest rate, based upon LIBOR, at December 31, 2019 (7.5% at December 31, 2018), which is secured by credit card receivables and restricted cash aggregating $3.9 million as of December 31, 2019 ($5.7 million as of December 31, 2018) in carrying amount	$	3.9	$	5.7

- Definition

Tabular disclosure of the significant judgments and assumptions made in determining whether a variable interest (as defined) held by the entity requires the variable interest entity (VIE) (as defined) to be consolidated and (or) disclose information about its involvement with the VIE, individually or in aggregate (as applicable); the nature of restrictions, if any, on the consolidated VIE's assets and on the settlement of its liabilities reported by an entity in its statement of financial position, including the carrying amounts of such assets and liabilities; the nature of, and changes in, the risks associated with involvement in the VIE; how involvement with the VIE affects the entity's financial position, financial performance, and cash flows; the lack of recourse if creditors (or beneficial interest holders) of the consolidated VIE have no recourse to the general credit of the primary beneficiary (if applicable); the terms of arrangements, giving consideration to both explicit arrangements and implicit variable interests, if any, that could require the entity to provide financial support to the VIE, including events or circumstances that could expose the entity to a loss; the methodology used by the entity for determining whether or not it is the primary beneficiary of the variable interest entity; the significant factors considered and judgments made in determining that the power to direct the activities of a VIE that most significantly impact the VIE's economic performance are shared (as defined); the carrying amounts and classification of assets and liabilities of the VIE included in the statement of financial position; the entity's maximum exposure to loss, if any, as a result of its involvement with the VIE, including how the maximum exposure is determined and significant sources of the entity's exposure to the VIE; a comparison of the carrying amounts of the assets and liabilities and the entity's maximum exposure to loss; information about any liquidity arrangements, guarantees, and (or) other commitments by third parties that may affect the fair value or risk of the entity's variable interest in the VIE; whether or not the entity has provided financial support or other support (explicitly or implicitly) to the VIE that it was not previously contractually required to provide or whether the entity intends to provide that support, including the type and amount of the support and the primary reasons for providing the support; and supplemental information the entity determines necessary to provide.

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