v3.25.1
Note 9 - Notes Payable (Details Textual) - USD ($)
$ in Thousands
 1 Months Ended 3 Months Ended 12 Months Ended
Mar. 31, 2025
Jul. 31, 2024
May 31, 2024
Nov. 30, 2023
Sep. 30, 2023
Sep. 30, 2022
May 31, 2022
Nov. 30, 2021
Jun. 30, 2021
Mar. 31, 2025
Mar. 31, 2024
Dec. 31, 2024
Feb. 29, 2024
Aug. 31, 2022
Dec. 31, 2018
Long-Term Line of Credit $ 2,169,220                 $ 2,169,220   $ 2,193,993      
Senior Notes 2026 [Member]                              
Debt Instrument, Interest Rate, Stated Percentage               6.125%              
Debt Instrument, Face Amount               $ 150,000              
Amortization of Debt Issuance Costs                   400 $ 400        
Extinguishment of Debt, Amount                   0 400        
Senior Notes 2029 [Member]                              
Debt Instrument, Interest Rate, Stated Percentage   9.25%                          
Debt Instrument, Face Amount   $ 60,000                     $ 57,200    
Amortization of Debt Issuance Costs                   300 $ 100        
Revolving Credit Facility Expiring October 30, 2026 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 50,000                 50,000   50,000      
Long-Term Line of Credit [1],[2],[3],[4] 49,800                 49,800   49,800      
Revolving Credit Facility Expiring December 1, 2026 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 65,000                 65,000   65,000      
Long-Term Line of Credit [3],[4],[5] 31,600                 31,600   36,100      
Revolving Credit Facility Expiring July 20, 2026 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 75,000                 75,000   75,000      
Long-Term Line of Credit [1],[2],[3],[4] 66,800                 $ 66,800   74,600      
Debt Instrument, Basis Spread on Variable Rate                   3.60%          
Revolving Credit Facility Expiring December 15, 2025 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 100,000                 $ 100,000   100,000     $ 100,000
Long-Term Line of Credit [1],[2],[3],[4],[6] 0                 0   0      
Revolving Credit Facility Expiring April 7, 2028 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 40,000                 40,000   40,000      
Long-Term Line of Credit [1],[2],[3],[4] 12,500                 12,500   14,500      
Revolving Credit Facility Expiring July 15, 2027 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 50,000                 50,000   50,000      
Long-Term Line of Credit [1],[2],[3],[4] 49,700                 49,700   50,000      
Revolving Credit Facility Expiring December 15, 2026 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 300,000                 300,000   300,000      
Long-Term Line of Credit [1],[2],[3],[6] 300,000                 300,000   300,000      
Proceeds from Issuance of Long-term Debt, Total                 $ 300,000            
Asset Backed Securities, Term of Revolving Structure (Year)                 4 years            
Asset Backed Securities, Weighted Average Interest Rate                 4.24%            
Revolving Credit Facility Expiring December 15, 2026 [Member] | Minimum [Member]                              
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)                 11 months            
Revolving Credit Facility Expiring December 15, 2026 [Member] | Maximum [Member]                              
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)                 18 months            
Revolving Credit Facility Expiring May 15, 2026 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 233,300                 233,300   233,300      
Long-Term Line of Credit [1],[2],[3],[6] 233,300                 233,300   283,300      
Proceeds from Issuance of Long-term Debt, Total               $ 300,000              
Asset Backed Securities, Term of Revolving Structure (Year)               3 years              
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)               18 months              
Asset Backed Securities, Weighted Average Interest Rate               3.53%              
Revolving Credit Facility, Sold May 2022, Expiring November 15, 2028 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 325,000           $ 325,000     325,000   325,000      
Long-Term Line of Credit [1],[2],[3],[4],[6] 325,000                 325,000   325,000      
Asset Backed Securities, Term of Revolving Structure (Year)             5 years                
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)             18 months                
Asset Backed Securities, Weighted Average Interest Rate             6.33%                
Revolving Credit Facility Expiring August 5, 2024 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity                           $ 158,300  
Long-Term Line of Credit 0                 0          
Revolving Credit Facility Expiring March 15, 2027 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 100,000                 100,000   100,000      
Long-Term Line of Credit [1],[2],[3],[6] 100,000                 100,000   100,000      
Proceeds from Issuance of Long-term Debt, Total           $ 100,000                  
Asset Backed Securities, Term of Revolving Structure (Year)           3 years                  
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)           18 months                  
Asset Backed Securities, Weighted Average Interest Rate           7.32%                  
Revolving Credit Facility Expiring August 30, 2027 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 25,000                 25,000   25,000      
Long-Term Line of Credit [1],[2],[3],[4] 12,500                 12,500   12,500      
Revolving Credit Facility Expiring February 15, 2028 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 300,000                 300,000   300,000      
Long-Term Line of Credit [1],[2],[3],[6] 300,000                 300,000   300,000      
Proceeds from Issuance of Long-term Debt, Total         $ 300,000                    
Asset Backed Securities, Term of Revolving Structure (Year)         3 years                    
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)         18 months                    
Asset Backed Securities, Weighted Average Interest Rate         9.51%                    
Revolving Credit Facility Expiring May 17, 2027 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 150,000                 150,000   150,000      
Long-Term Line of Credit [1],[2],[3],[6] 150,000                 150,000   150,000      
Proceeds from Issuance of Long-term Debt, Total       $ 150,000                      
Asset Backed Securities, Term of Revolving Structure (Year)       2 years                      
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)       18 months                      
Asset Backed Securities, Weighted Average Interest Rate       9.39%                      
Revolving Credit Facility, Sold May 2024, Expiring November 15, 2028 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 250,000                 250,000   250,000      
Long-Term Line of Credit [1],[2],[3],[6] 250,000                 250,000   250,000      
Proceeds from Issuance of Long-term Debt, Total     $ 250,000                        
Asset Backed Securities, Term of Revolving Structure (Year)     3 years                        
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)     18 months                        
Asset Backed Securities, Weighted Average Interest Rate     8.86%                        
First Revolving Credit Facility Sold July 2024 Expiring April 28, 2025 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 150,000                 150,000   150,000      
Long-Term Line of Credit [1],[2],[3],[4],[6] 0                 0   140,000      
Proceeds from Issuance of Long-term Debt, Total   150,000                          
Second Revolving Credit Facility Sold July 2024 Expiring April 28, 2025 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity 32,800 $ 32,800               32,800   $ 32,800      
Long-Term Line of Credit [2],[3],[4] 0                 0          
Revolving Credit Facility Sold July 2024 Expiring April 28, 2025 [Member]                              
Long-Term Line of Credit $ 0                 0          
Revolving Credit Facility, Sold December 2024, Expiring January 16, 2029 [Member]                              
Proceeds from Issuance of Long-term Debt, Total                   $ 100,000          
Asset Backed Securities, Term of Revolving Structure (Year)                   30 months          
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)                   18 months          
Asset Backed Securities, Weighted Average Interest Rate 7.78%                 7.78%          
Revolving Credit Facility, Sold March 2025, Expiring September 15, 2028 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity $ 200,000                 $ 200,000          
Long-Term Line of Credit 200,000                 $ 200,000          
Proceeds from Issuance of Long-term Debt, Total $ 200,000                            
Asset Backed Securities, Term of Revolving Structure (Year) 25 months                            
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month) 18 months                            
Asset Backed Securities, Weighted Average Interest Rate 6.60%                 6.60%          
Revolving Credit Facility, Sold March 2025, Expiring September 15, 2027 [Member]                              
Line of Credit Facility, Maximum Borrowing Capacity $ 200,000                 $ 200,000          
Long-Term Line of Credit 10,000                 $ 10,000          
Proceeds from Issuance of Long-term Debt, Total $ 200,000                            
Prime Rate [Member]                              
Debt Instrument, Variable Rate 7.50%                 7.50%          
Prime Rate [Member] | Revolving Credit Facility Expiring July 15, 2027 [Member] | Minimum [Member]                              
Debt Instrument, Interest Rate, Stated Percentage 4.00%                 4.00%          
Term Secured Overnight Financing Rate [Member]                              
Debt Instrument, Variable Rate 4.32%                 4.32%          
Term Secured Overnight Financing Rate [Member] | Revolving Credit Facility Expiring August 30, 2027 [Member]                              
Debt Instrument, Basis Spread on Variable Rate                   3.75%          
Term Secured Overnight Financing Rate [Member] | First Revolving Credit Facility Sold July 2024 Expiring April 28, 2025 [Member]                              
Debt Instrument, Basis Spread on Variable Rate                       2.15%      
Term Secured Overnight Financing Rate [Member] | Revolving Credit Facility Sold July 2024 Expiring April 28, 2025 [Member]                              
Debt Instrument, Basis Spread on Variable Rate                   2.50%          
Secured Overnight Financing Rate (SOFR) [Member]                              
Debt Instrument, Variable Rate 4.41%                 4.41%          
Secured Overnight Financing Rate (SOFR) [Member] | Revolving Credit Facility Expiring October 30, 2026 [Member]                              
Debt Instrument, Basis Spread on Variable Rate                   3.00%          
Secured Overnight Financing Rate (SOFR) [Member] | Revolving Credit Facility Expiring December 1, 2026 [Member] | Minimum [Member]                              
Debt Instrument, Basis Spread on Variable Rate                   2.25%          
Secured Overnight Financing Rate (SOFR) [Member] | Revolving Credit Facility Expiring December 1, 2026 [Member] | Maximum [Member]                              
Debt Instrument, Basis Spread on Variable Rate                   2.60%          
Secured Overnight Financing Rate (SOFR) [Member] | Revolving Credit Facility Expiring December 15, 2025 [Member]                              
Debt Instrument, Basis Spread on Variable Rate                   3.75%          
Secured Overnight Financing Rate (SOFR) [Member] | Revolving Credit Facility Expiring April 7, 2028 [Member]                              
Debt Instrument, Basis Spread on Variable Rate                   2.85%          
Secured Overnight Financing Rate (SOFR) [Member] | Revolving Credit Facility Expiring August 5, 2024 [Member]                              
Debt Instrument, Basis Spread on Variable Rate                   4.20%          
Commercial Paper Rates [Member] | Revolving Credit Facility, Sold March 2025, Expiring September 15, 2027 [Member]                              
Debt Instrument, Basis Spread on Variable Rate 2.00%                            
[1] Loans are associated with VIEs. See Note 7, "Variable Interest Entities" for more information.
[2] Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes.
[3] See below for additional information.
[4] These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.
[5] Loan is subject to certain affirmative covenants, including a coverage ratio, a leverage ratio and a collateral performance test, the failure of which could result in required early repayment of all or a portion of the outstanding balance by our CAR Auto Finance operations.
[6] Creditors do not have recourse against the general assets of the Company but only to the collateral within the VIEs.