Concentrations of Credit Risk (Tables)

12 Months Ended

Dec. 31, 2012

Risks and Uncertainties [Abstract]

Schedules of Concentration of Credit Risk

Because we primarily lend to individual consumers, we do not have receivables from any industry group that equal or exceed 10 percent of total receivables at December 31, 2012 and 2011. We lend nationwide and our receivables are distributed as follows at December 31, 2012:

State/Region	Percent of Total Receivables
California	9	%
Midwest (IL, IN, IA, KS, MI, MN, MO, NE, ND, OH, SD, WI)	22
Southeast (AL, FL, GA, KY, MS, NC, SC, TN)	21
West (AK, CO, HI, ID, MT, NV, OR, UT, WA, WY)	8
Middle Atlantic (DE, DC, MD, NJ, PA, VA, WV)	19
Southwest (AZ, AR, LA, NM, OK, TX)	8
Northeast (CT, ME, MA, NH, NY, RI, VT)	13

The following table reflects the percentage of consumer receivables by state which individually account for 5 percent or greater of our portfolio.

	Percentage of Receivables at						Percentage of Receivables at
	December 31, 2012						December 31, 2011
	Real Estate Secured		Personal Non-Credit Card		Total		Real Estate Secured		Personal Non-Credit Card		Total
California	9.4	%	4.5	%	9.0	%	9.5	%	5.1	%	9.1	%
New York	7.4		6.8		7.4		7.2		6.8		7.2
Pennsylvania	6.2		7.0		6.3		6.1		6.7		6.2
Florida	5.8		5.8		5.8		5.9		5.8		5.9
Ohio	5.5		6.5		5.6		5.5		6.3		5.6
Virginia	5.3		3.1		5.1		5.2		3.0		4.9