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Nicholas Financial, Inc., through its subsidiaries, operates as a specialized consumer finance company in the United States. The company primarily engages in acquiring and servicing contracts for purchases of new and used automobiles and light trucks, as well as makes direct loans and sells consumer finance related products. It also engages in supporting and updating industry specific computer application software for small businesses. The companys automobile finance programs are conducted through a total of 64 branch offices. Nicholas Financial, Inc. was founded in 1986 and is headquartered in Clearwater, Florida.