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4. Debt (Details - Debt outstanding) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2020
Dec. 31, 2019
Warehouse lines of credit $ 141,988 $ 134,791
Residual interest financing 37,913 39,478
Subordinated renewable notes 18,322 17,534
Total debt outstanding 200,285 194,317
Warehouse Lines Of Credit [Member]    
Warehouse lines of credit $ 50,776 40,558
Interest rate 5.50% over one month Libor (Minimum 6.50%)  
Credit line maturity date Feb. 28, 2021  
Warehouse Lines Of Credit (2) [Member]    
Warehouse lines of credit $ 53,411 96,225
Interest rate 3.00% over one month Libor (Minimum 3.75%)  
Credit line maturity date Sep. 30, 2020  
Warehouse Lines Of Credit (3) [Member]    
Warehouse lines of credit $ 39,434 0
Interest rate 4.00% over a commercial paper rate (Minimum 5.00%)  
Credit line maturity date Dec. 31, 2021  
Residual interest financing [Member]    
Residual interest financing $ 38,342 40,000
Interest rate 8.60%  
Maturity date Jan. 31, 2026  
Subordinated Renewable Notes [Member]    
Subordinated renewable notes $ 18,322 $ 17,534
Interest rate Weighted average rate of 9.92% and 9.75% at March 31, 2020 and December 31, 2019, respectively  
Maturity date description Weighted average maturity of July 2022 and April 2022 at March 31, 2020 and December 31, 2019, respectively