Customer Accounts Receivable (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2017	Jan. 31, 2016	Jan. 31, 2015	Jan. 31, 2017	Jan. 31, 2016	Jan. 31, 2015
Total Outstanding Balance
Customer Accounts Receivable				$ 1,556,439	$ 1,587,856
60 Days Past Due				165,757	157,723
Reaged				250,443	229,872
Net deferred origination fees and costs				(6,991)	0
Allowance for uncollectible accounts	$ (190,990)	$ (146,982)	$ (71,801)	(210,175)	(190,990)	$ (146,982)
Allowances for no-interest option credit programs				(21,207)	(21,290)
Total customer accounts receivables, net				1,318,066	1,375,576
Short-term portion of customer accounts receivable, net				(702,162)	(743,931)
Long-term portion of customer accounts receivable, net				615,904	631,645
Amounts included within past due and reaged accounts				66,700	55,200
Total amount of customer receivables past due one day or greater				406,100	387,300
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period	190,990	146,982	71,801
Provision	281,872	258,157	219,347
Principal charge-offs	(229,945)	(184,841)	(133,186)
Interest charge-offs	(38,518)	(33,728)	(24,054)
Recoveries	5,776	4,420	13,074
Allowance at end of period	210,175	190,990	146,982
Average customer portfolio balance outstanding				1,552,475	1,458,326	1,193,211
Variable Interest Entity, Primary Beneficiary [Member]
Total Outstanding Balance
Customer Accounts Receivable				1,015,837	870,684
60 Days Past Due				156,344	135,800
Reaged				238,375	204,594
Short-term portion of customer accounts receivable, net				(529,108)	(390,150)
Long-term portion of customer accounts receivable, net				320,382	331,254
Consolidated Entity Excluding Variable Interest Entities (VIE) [Member]
Total Outstanding Balance
Customer Accounts Receivable				540,602	717,172
60 Days Past Due				9,413	21,923
Reaged				12,068	25,278
Customer Accounts Receivable [Member]
Total Outstanding Balance
Customer Accounts Receivable				1,417,581	1,470,205
60 Days Past Due				127,747	127,400
Reaged				111,585	112,221
Allowance for uncollectible accounts	(149,227)	(118,786)	(54,448)	(158,992)	(149,227)	(118,786)
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period	149,227	118,786	54,448
Provision	219,084	204,499	187,222
Principal charge-offs	(183,235)	(150,237)	(113,525)
Interest charge-offs	(30,686)	(27,414)	(20,503)
Recoveries	4,602	3,593	11,144
Allowance at end of period	158,992	149,227	118,786
Average customer portfolio balance outstanding				1,423,445	1,355,804	1,129,513
Restructured Accounts [Member]
Total Outstanding Balance
Customer Accounts Receivable				138,858	117,651
60 Days Past Due				38,010	30,323
Reaged				138,858	117,651
Allowance for uncollectible accounts	(41,763)	(28,196)	(17,353)	(51,183)	(41,763)	(28,196)
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period	41,763	28,196	17,353
Provision	62,788	53,658	32,125
Principal charge-offs	(46,710)	(34,604)	(19,661)
Interest charge-offs	(7,832)	(6,314)	(3,551)
Recoveries	1,174	827	1,930
Allowance at end of period	$ 51,183	$ 41,763	$ 28,196
Average customer portfolio balance outstanding				$ 129,030	$ 102,522	$ 63,698