Long-term Debt and Capital Lease Obligations (Tables)

6 Months Ended

Mar. 31, 2016

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 March 31, 2016 and 2015 and September 30, 2015:

	March 31, 2016					March 31, 2015					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	$	192,565	$	(37,435	)	$	182,276	$	(47,724	)	$	187,471	$	(42,529	)
Cash convertible senior notes due 2019 embedded derivative	3,219		—			27,215		—			10,505		—
Capital lease obligations	—		—			93		—			—		—
Non-recourse to EZCORP*:
8.2% Secured foreign currency debt up to $14 million due 2016 (a) (b)	82		(101		)	2,044		(451		)	938		(204		)
14.5% Secured foreign currency debt up to $17 million due 2017 (a)	17,393		—			19,682		—			17,567		—
5.8% Consumer loans facility due 2019 (b)	33,613		(1,714		)	44,837		(2,989		)	40,493		(2,196		)
8.5% Unsecured notes due 2015	—		—			12,329		(187		)	12,330		(42		)
10% Unsecured notes due 2015	—		—			—		—			1,500		—
11% Unsecured notes due 2015	—		—			4,334		—			3,868		—
17% Secured notes due 2015 consolidated from VIEs	—		—			937		—			—		—
10% Unsecured notes due 2016	1,500		—			844		—			1,885		—
12% Secured notes due 2016	—		—			2,691		67			2,928		—
13% Unsecured notes due 2016	—		—			656		—			1,171		—
15% Unsecured notes due 2016	3,829		—			—		—			233		—
15% Secured notes due 2016 consolidated from VIEs	3,192		—			7,755		—			5,397		—
18% Unsecured notes due 2016	5,797		—			—		—			—		—
10% Unsecured notes due 2017	174		—			—		—			—		—
11% Secured notes due 2017 consolidated from VIEs (c)	37,901		—			76,545		—			56,113		—
12% Secured notes due 2017	2,898		—			—		—			—		—
13.5% Unsecured notes due 2017	5,797		—			—		—			—		—
14.5% Secured notes due 2017 consolidated from VIEs	9,788		—			14,897		—			11,754		—
12.4% Secured notes due 2020	17,234		(214		)	19,389		(358		)	17,358		(268		)
Total	334,982		(39,464		)	416,524		(51,642		)	371,511		(45,239		)
Less current portion	82,174		—			71,564		67			74,345		—
Total long-term debt and capital lease obligations	$	252,808	$	(39,464	)	$	344,960	$	(51,709	)	$	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 the most current period end date in which outstanding debt is presented.

(b) Interest is charged at the Mexican Interbank Equilibrium rate (“TIIE”) plus an applicable margin. The rate presented is as of March 31, 2016.

(c) Grupo Finmart has entered into foreign exchange forward contracts to mitigate the VIE's currency risk, as described in Notes 15 and 16, and EZCORP has guaranteed the future cash outflows of the forward contracts. See "Part II, Item 1A — Risk Factors."