v3.22.2.2
Variable Interest Entities (Details) - USD ($)
$ in Thousands
Oct. 31, 2022
Jan. 31, 2022
Oct. 31, 2021
Jan. 31, 2021
Assets:        
Restricted cash $ 45,503 $ 31,930    
Customer accounts receivable:        
Restructured accounts 76,163 99,557    
Allowance for uncollectible accounts (187,678) (209,020) $ (208,154) $ (298,037)
Allowance for no-interest option credit programs 17,609 19,654    
Deferred fees and origination costs, net (11,753) (13,503)    
Total customer accounts receivable, net 815,760 888,218    
Total assets 1,737,132 1,754,466 $ 1,786,579  
Liabilities:        
Total debt 477,531      
Long-term debt 591,673 522,149    
Less: deferred debt issuance costs (4,375) (2,873)    
Total liabilities 1,194,026 1,139,647    
2021-A VIE Class A Notes        
Liabilities:        
Total debt 24,287      
2021-A VIE Class B Notes        
Liabilities:        
Total debt 66,090      
2021-A VIE Class C Notes        
Liabilities:        
Total debt 63,890      
2022-A VIE Class A Notes        
Liabilities:        
Total debt 191,174      
2022-A VIE Class B Notes        
Liabilities:        
Total debt 132,090      
Secured Debt        
Liabilities:        
Total debt 477,500      
Secured Debt | 2020-A VIE Class A Notes        
Liabilities:        
Total debt 0 9,184    
Secured Debt | 2020-A VIE Class B Notes        
Liabilities:        
Total debt 0 18,342    
Secured Debt | 2020-A VIE Class C Notes        
Liabilities:        
Total debt 0 17,695    
Secured Debt | 2021-A VIE Class A Notes        
Liabilities:        
Total debt 24,287 195,595    
Secured Debt | 2021-A VIE Class B Notes        
Liabilities:        
Total debt 66,090 66,090    
Secured Debt | 2021-A VIE Class C Notes        
Liabilities:        
Total debt 63,890 63,890    
Secured Debt | 2022-A VIE Class A Notes        
Liabilities:        
Total debt 191,174 0    
Secured Debt | 2022-A VIE Class B Notes        
Liabilities:        
Total debt 132,090 0    
Variable Interest Entity        
Assets:        
Restricted cash 43,394 29,872    
Due from Conn’s, Inc., net 964 0    
Customer accounts receivable:        
Customer accounts receivable 652,778 463,411    
Restructured accounts 37,270 29,621    
Allowance for uncollectible accounts (131,724) (97,560)    
Allowance for no-interest option credit programs 13,670 10,275    
Deferred fees and origination costs, net (6,788) (5,033)    
Total customer accounts receivable, net 537,866 380,164    
Total assets 582,224 410,036    
Liabilities:        
Accrued expenses 4,194 2,638    
Other liabilities 5,754 3,930    
Due to Conn’s, Inc., net 0 12,755    
Total debt 473,156 367,925    
Long-term debt 477,531 370,796    
Less: deferred debt issuance costs (4,375) (2,871)    
Total liabilities $ 483,104 $ 387,248