Not trolling but I seriously don't understand the fundamentals...

Not trolling but I seriously don't understand the fundamentals of this company. They loan money to low income people to buy inexpensive products. Need a new pair of undies but haven't got $20? No worries, four installments of $5. If someone doesn't have $20 I don't want to lend them money. Characterstics of clientel: young, low income, either cant manage their money or live within their means. Already maxed out other lines of credit/won't qualify for credit card? Many of these people are now out of work. Directors selling also. Huge amount of retail investors buying the dip. All red flags.

Happy to be corrected, would like to understand the investment thesis here. Any links appreciated. Only here because this seems like a great short if US bear resumes.