Long-term Debt and Capital Lease Obligations (Tables)

3 Months Ended

Dec. 31, 2015

Debt Disclosure [Abstract]

Long term debt instruments

The following table presents our long-term debt instruments and balances under capital lease obligations outstanding as of December 31, 2015 and 2014 and September 30, 2015:

	December 31, 2015					December 31, 2014					September 30, 2015
	Carrying Amount		Debt (Discount) and (Issuance Costs)			Carrying Amount		Debt (Discount) Premium and (Issuance Costs)			Carrying Amount		Debt (Discount) and (Issuance Costs)
	(in thousands)
Recourse to EZCORP:
2.125% Cash convertible senior notes due 2019	$	190,089	$	(39,911	)	$	179,796	$	(50,204	)	$	187,471	$	(42,529	)
Cash convertible senior notes due 2019 embedded derivative	7,777		—			45,163		—			10,505		—
Capital lease obligations	—		—			258		—			—		—
Non-recourse to EZCORP*:
8.2% Secured foreign currency debt up to $14 million due 2016 (a) (b)	502		(151		)	2,839		(592		)	938		(204		)
14.5% Secured foreign currency debt up to $17 million due 2017 (a)	17,300		—			20,360		—			17,567		—
5.8% Consumer loans facility due 2019 (b)	40,080		(1,962		)	46,110		(3,365		)	40,493		(2,196		)
8.5% Unsecured notes due 2015	—		—			12,238		(266		)	12,330		(42		)
10% Unsecured notes due 2015	—		—			1,632		—			1,500		—
11% Unsecured notes due 2015	—		—			4,483		—			3,868		—
17% Secured notes due 2015 consolidated from VIEs	—		—			1,768		—			—		—
10% Unsecured notes due 2016	2,069		—			108		—			1,885		—
12% Secured notes due 2016	2,884		—			3,507		114			2,928		—
13% Unsecured notes due 2016	—		—			—		—			1,171		—
13.5% Unsecured notes due 2016	5,767		—			—		—			—		—
15% Unsecured notes due 2016	3,810		—			—		—			233		—
15% Secured notes due 2016 consolidated from VIEs	4,221		—			8,486		—			5,397		—
18% Unsecured notes due 2016	5,767		—			—		—			—		—
20% Unsecured notes due 2016	2,307		—			—		—			—		—
10% Unsecured notes due 2017	173		—			—		—			—		—
11% Secured notes due 2017 consolidated from VIEs (c)	46,469		—			86,541		—			56,113		—
14.5% Secured notes due 2017 consolidated from VIEs	10,766		—			16,373		—			11,754		—
12.4% Secured notes due 2020	17,150		(238		)	20,028		(400		)	17,358		(268		)
Total	357,131		(42,262		)	449,690		(54,713		)	371,511		(45,239		)
Less current portion	75,586		—			75,090		114			74,345		—
Total long-term debt and capital lease obligations	$	281,545	$	(42,262	)	$	374,600	$	(54,827	)	$	297,166	$	(45,239	)

* Even though Grupo Finmart debt may be non-recourse to EZCORP, a default on more than $25 million of such debt could constitute an event of default under our Cash Convertible Notes (described below). See "Part II, Item 1A — Risk Factors."

(a) Maximum amounts of debt are translated from Mexican pesos to United States dollars as of December 31, 2015.

(b) Interest is charged at the Mexican Interbank Equilibrium rate (“TIIE”) plus an applicable margin. The rate presented is as of December 31, 2015.

(c) Grupo Finmart has entered into foreign exchange forward contracts to mitigate the VIE's currency risk, as described in Notes 11 and 12, and EZCORP has guaranteed the future cash outflows of the forward contracts.