Nicholas Financial, Inc., a holding company, operates in the specialty consumer finance industry in the United States. The company acquires and services retail installment sales contracts for purchasing new and used automobiles and light trucks. It also makes direct loans and sells consumer finance-related products. The company, through Nicholas Data Services, Inc., designs, develops, and supports systems related to the finance company and sells proprietary accounting software to small businesses. As of October 20, 2005, the company operated 40 branch offices located in Florida, Ohio, North Carolina, Georgia, Virginia, South Carolina, Michigan, Indiana, and Kentucky. Nicholas Financial was incorporated in 1986 and is headquartered in Clearwater, Florida.
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