Consumer Loans, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Consumer Loans (Tables)

12 Months Ended

Dec. 31, 2014

Consumer Loans Credit Quality Information And Allowances And Liabilities For Estimated Losses On Consumer Loans [Abstract]

Schedule of Consumer Loan Fee Revenue

Consumer loan fee revenue generated from the Company’s consumer loans for the years ended December 31, 2014, 2013 and 2012 was as follows (dollars in thousands):

	Year Ended December 31,
	2014		2013		2012
Interest and fees on short-term loans	$	257,169	$	389,706	$	459,835
Interest and fees on line of credit accounts		305,118		170,496		73,532
Interest and fees on installment loans		246,700		203,924		126,202
Total consumer loan revenue		808,987		764,126		659,569
Other		850		1,197		1,359
Total Revenue	$	809,837	$	765,323	$	660,928

Components of Company-Owned Consumer Loan Portfolio Receivables

The components of Company-owned consumer loan portfolio receivables at December 31, 2014 and 2013 were as follows (dollars in thousands):

	As of December 31, 2014
	Short-term			Line of Credit			Installment
	Loans			Accounts			Loans			Total
Current loans	$	35,688		$	110,519		$	194,496		$	340,703
Delinquent loans:
Delinquent payment amounts(1)		—			3,733			1,469			5,202
Loans on non-accrual status		20,610			4,428			17,616			42,654
Total delinquent loans		20,610			8,161			19,085			47,856
Total consumer loans, gross		56,298			118,680			213,581			388,559
Less: Allowance for losses		(14,324	)		(19,749	)		(30,875	)		(64,948	)
Consumer loans, net	$	41,974		$	98,931		$	182,706		$	323,611

	As of December 31, 2013
	Short-term			Line of Credit			Installment
	Loans			Accounts			Loans			Total
Current loans	$	57,368		$	112,969		$	160,585		$	330,922
Delinquent loans:
Delinquent payment amounts(1)		—			4,146			1,724			5,870
Loans on non-accrual status		23,385			8,687			16,921			48,993
Total delinquent loans		23,385			12,833			18,645			54,863
Total consumer loans, gross		80,753			125,802			179,230			385,785
Less: Allowance for losses		(20,466	)		(29,244	)		(32,608	)		(82,318	)
Consumer loans, net	$	60,287		$	96,558		$	146,622		$	303,467

(1) Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment. See Note 3 “Significant Accounting Policies-Current and Delinquent Consumer Loans” for additional information.

Schedule of Changes in Allowance for Losses

Changes in the allowance for losses for the Company-owned loans and the liability for estimated losses on the Company’s guarantees of third-party lender-owned loans through the CSO programs for the years ended December 31, 2014, 2013 and 2012 were as follows (dollars in thousands):

	Year Ended December 31, 2014
	Short-term			Line of Credit			Installment
	Loans			Accounts			Loans			Total
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	20,466		$	29,244		$	32,608		$	82,318
Cost of revenue		70,382			92,461			104,415			267,258
Charge-offs		(105,129	)		(119,428	)		(129,466	)		(354,023	)
Recoveries		28,785			17,943			23,619			70,347
Effect of foreign currency translation		(180	)		(471	)		(301	)		(952	)
Balance at end of period	$	14,324		$	19,749		$	30,875		$	64,948
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	2,047		$	—		$	—		$	2,047
(Decrease) increase in liability		(472	)		—			1			(471	)
Balance at end of period	$	1,575		$	—		$	1		$	1,576

	Year Ended December 31, 2013
	Short-term			Line of Credit			Installment
	Loans			Accounts			Loans			Total
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	41,942		$	12,565		$	27,845		$	82,352
Cost of revenue		136,534			72,308			106,787			315,629
Charge-offs		(192,504	)		(63,001	)		(116,853	)		(372,358	)
Recoveries		34,796			6,714			14,544			56,054
Effect of foreign currency translation		(302	)		658			285			641
Balance at end of period	$	20,466		$	29,244		$	32,608		$	82,318
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	2,624		$	—		$	—		$	2,624
Decrease in liability		(577	)		—			—			(577	)
Balance at end of period	$	2,047		$	—		$	—		$	2,047

	Year Ended December 31, 2012
	Short-term			Line of Credit			Installment
	Loans			Accounts			Loans			Total
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	42,880		$	3,723		$	12,451		$	59,054
Cost of revenue		176,701			36,251			75,182			288,134
Charge-offs		(210,557	)		(31,399	)		(65,493	)		(307,449	)
Recoveries		31,675			3,990			5,174			40,839
Effect of foreign currency translation		1,243			—			531			1,774
Balance at end of period	$	41,942		$	12,565		$	27,845		$	82,352
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	2,284		$	—		$	—		$	2,284
Increase in liability		340			—			—			340
Balance at end of period	$	2,624		$	—		$	—		$	2,624