Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2025	Jun. 30, 2024
Cash flows from operating activities:
Net income	$ 17,147	$ 23,650
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	118,579	100,225
Depreciation and amortization	7,498	6,881
Amortization of deferred origination fees and costs	(8,122)	(7,577)
Loss on disposal of intangibles, property, and equipment	176	285
Share-based compensation	6,299	5,100
Deferred income taxes, net	937	1,175
Changes in operating assets and liabilities:
Increase (decrease) in unearned insurance premiums	978	(1,811)
Increase in lease assets	(4,223)	(841)
Decrease in other assets	986	8,706
Decrease in other liabilities	(2,121)	(6,537)
Increase in lease liabilities	4,189	710
Net cash provided by operating activities	142,323	129,966
Cash flows from investing activities:
Originations of finance receivables	(907,533)	(754,018)
Repayments of finance receivables	731,281	656,435
Purchases of intangible assets	(6,294)	(5,626)
Purchases of property and equipment	(2,293)	(2,235)
Purchase of restricted AFS investments		(3,832)
Proceeds from maturities of restricted AFS investments	19,460	24,715
Net cash used in investing activities	(165,379)	(84,561)
Cash flows from financing activities:
Advances on revolving credit facilities	834,309	766,117
Payments on revolving credit facilities	(901,923)	(843,994)
Advances on securitizations	265,000	187,305
Payments on securitizations	(166,587)	(130,612)
Payments for debt issuance costs	(3,562)	(3,048)
Taxes paid related to net share settlement of equity awards	(417)	(286)
Cash dividends	(5,995)	(6,346)
Repurchases of common stock	(11,474)
Net cash provided by (used in) financing activities	9,351	(30,864)
Net change in cash and restricted cash	(13,705)	14,541
Cash and restricted cash at beginning of period	135,635	128,673
Cash and restricted cash at end of period	121,930	143,214
Supplemental cash flow information:
Interest paid	37,356	33,074
Income taxes paid (refunded)	6,314	(90)
Operating leases paid	6,340	$ 5,641
Non-cash restricted AFS investments acquired but not settled	$ 19,910