QC (QCCO) Inactive 10-K13 Mar 142013 FY Annual reportFinancial data

Company Profile

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
In Millions, except Share data, unless otherwise specified	Dec. 31, 2013	Feb. 28, 2014	Jun. 30, 2013
Document And Entity Information [Abstract]	'	'	'
Document Type	'10-K	'	'
Amendment Flag	'false	'	'
Document Period End Date	31-Dec-13	'	'
Document Fiscal Year Focus	'2013	'	'
Document Fiscal Period Focus	'FY	'	'
Trading Symbol	'QCCO	'	'
Entity Registrant Name	'QC Holdings, Inc.	'	'
Entity Central Index Key	'0001289505	'	'
Current Fiscal Year End Date	'--12-31	'	'
Entity Well-known Seasoned Issuer	'No	'	'
Entity Current Reporting Status	'Yes	'	'
Entity Voluntary Filers	'No	'	'
Entity Filer Category	'Smaller Reporting Company	'	'
Entity Common Stock, Shares Outstanding	'	17,486,591	'
Entity Public Float	'	'	$13.60

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Current assets:	'	'
Cash and cash equivalents	$12,685	$14,124
Restricted cash and other	1,076	1,076
Loans receivable, less allowance for losses of $6,608 at December 31, 2012 and $8,272 at December 31, 2013	57,349	60,462
Deferred income taxes	981	1,771
Prepaid expenses and other current assets	5,742	7,313
Current assets of discontinued operations	'	2,159
Total current assets	77,833	86,905
Non-current loans receivable, less allowance for losses of $437 at December 31, 2012 and $2,171 at December 31, 2013	6,332	1,677
Property and equipment, net	10,330	11,210
Goodwill	'	21,791
Intangible assets, net	1,560	3,627
Deferred income taxes	7,598	788
Other assets, net	4,451	4,074
Non-current assets of discontinued operations	'	1,628
Total assets	108,104	131,700
Current liabilities:	'	'
Accounts payable	817	2,023
Accrued expenses and other current liabilities	4,105	2,549
Accrued compensation and benefits	3,665	5,620
Deferred revenue	3,669	3,993
Debt due within one year	20,800	25,000
Current liabilities of discontinued operations	'	1,268
Total current liabilities	33,056	40,453
Subordinated debt	3,282	3,154
Other non-current liabilities	5,860	5,747
Total liabilities	42,198	49,354
Commitments and contingencies	'	'
Stockholders' equity:	'	'
Common stock, $0.01 par value: 75,000,000 shares authorized; 20,700,250 shares issued and 17,182,260 outstanding at December 31, 2012; 20,700,250 shares issued and 17,359,382 outstanding at December 31, 2013	207	207
Additional paid-in capital	62,976	64,806
Retained earnings	30,441	47,093
Treasury stock, at cost	-27,575	-29,958
Accumulated other comprehensive income (loss)	-143	198
Total stockholders' equity	65,906	82,346
Total liabilities and stockholders' equity	$108,104	$131,700

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Statement Of Financial Position [Abstract]	'	'
Allowance for loan losses	$8,272	$6,608
Allowance for loan losses, non-current	$2,171	$437
Common stock, par value	$0.01	$0.01
Common stock, shares authorized	75,000,000	75,000,000
Common stock, shares issued	20,700,250	20,700,250
Common stock, shares outstanding	17,359,382	17,182,260

CONSOLIDATED_STATEMENTS_OF_OPE

CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Revenues	'	'	'
Payday loan fees	$108,399	$115,428	$113,987
Installment interest and fees	29,892	18,308	14,536
Other	13,691	15,123	17,334
Total revenues	151,982	148,859	145,857
Operating expenses	'	'	'
Salaries and benefits	33,079	33,347	31,268
Provision for losses	44,449	32,667	27,673
Occupancy	16,849	16,760	16,241
Depreciation and amortization	1,939	1,974	2,142
Other	12,079	11,119	8,990
Total operating expenses	108,395	95,867	86,314
Gross profit	43,587	52,992	59,543
Regional expenses	9,433	11,997	12,150
Corporate expenses	19,178	20,805	24,147
Depreciation and amortization	1,798	1,878	2,101
Interest expense	1,397	2,739	1,879
Impairment of goodwill and intangible assets	22,055	2,330	'
Other expense (income), net	819	-1,386	479
Income (loss) from continuing operations before income taxes	-11,093	14,629	18,787
Provision (benefit) for income taxes	-1,630	5,952	7,062
Income (loss) from continuing operations	-9,463	8,677	11,725
Loss from discontinued operations, net of income tax	-4,530	-3,304	-1,557
Net income (loss)	($13,993)	$5,373	$10,168
Weighted average number of common shares outstanding:	'	'	'
Basic	17,370	17,169	17,027
Diluted	17,370	17,226	17,110
Basic	'	'	'
Continuing operations	($0.53)	$0.49	$0.66
Discontinued operations	($0.26)	($0.19)	($0.09)
Net income (loss)	($0.79)	$0.30	$0.57
Diluted	'	'	'
Continuing operations	($0.53)	$0.49	$0.66
Discontinued operations	($0.26)	($0.19)	($0.09)
Net income (loss)	($0.79)	$0.30	$0.57

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Statement Of Partners Capital [Abstract]	'	'	'
Net income (loss)	($13,993)	$5,373	$10,168
Other comprehensive income (loss):	'	'	'
Unrealized loss on derivative instrument	'	'	-59
Reclassification adjustment for amounts included in net income related to derivative instrument	'	275	578
Foreign currency translation	-341	180	18
Other comprehensive income (loss) before income taxes	-341	455	537
Income tax expense related to items of other comprehensive income	'	'	302
Other comprehensive income (loss)	-341	455	235
Total comprehensive income (loss)	($14,334)	$5,828	$10,403

CONSOLIDATED_STATEMENTS_OF_CHA

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS EQUITY (USD $)	Total	Common stock [Member]	Additional paid-in capital [Member]	Retained earnings [Member]	Treasury stock [Member]	Accumulated other comprehensive income (loss) [Member]
In Thousands	Total	Common stock [Member]	Additional paid-in capital [Member]	Retained earnings [Member]	Treasury stock [Member]	Accumulated other comprehensive income (loss) [Member]
Beginning balance at Dec. 31, 2010	$71,547	$207	$67,712	$38,710	($34,590)	($492)
Beginning balance, shares at Dec. 31, 2010	'	16,972	'	'	'	'
Net income (loss)	10,168	'	'	10,168	'	'
Common stock repurchases	-1,435	'	'	'	-1,435	'
Common stock repurchases, shares	'	-346	'	'	'	'
Dividends to stockholders	-3,596	'	'	-3,596	'	'
Issuance of restricted stock awards	'	'	-2,345	'	2,345	'
Issuance of restricted stock awards, shares	'	256	'	'	'	'
Stock-based compensation expense	2,178	'	2,178	'	'	'
Stock option exercises	228	'	-829	'	1,057	'
Stock option exercises, shares	'	117	'	'	'	'
Tax impact of stock-based compensation	-93	'	-93	'	'	'
Unrealized gain on derivative instrument, net of deferred taxes	217	'	'	'	'	217
Reclassification of amount included in net income related to derivative instrument	578	'	'	'	'	'
Foreign currency translation	18	'	'	'	'	18
Ending balance at Dec. 31, 2011	79,232	207	66,623	45,282	-32,623	-257
Ending balance, shares at Dec. 31, 2011	'	16,999	'	'	'	'
Net income (loss)	5,373	'	'	5,373	'	'
Common stock repurchases	-791	'	'	'	-791	'
Common stock repurchases, shares	'	-213	'	'	'	'
Dividends to stockholders	-3,562	'	'	-3,562	'	'
Issuance of restricted stock awards	'	'	-3,231	'	3,231	'
Issuance of restricted stock awards, shares	'	370	'	'	'	'
Stock-based compensation expense	1,749	'	1,749	'	'	'
Stock option exercises	51	'	-174	'	225	'
Stock option exercises, shares	'	26	'	'	'	'
Tax impact of stock-based compensation	-161	'	-161	'	'	'
Reclassification of amount included in net income related to derivative instrument	275	'	'	'	'	275
Foreign currency translation	180	'	'	'	'	180
Ending balance at Dec. 31, 2012	82,346	207	64,806	47,093	-29,958	198
Ending balance, shares at Dec. 31, 2012	'	17,182	'	'	'	'
Net income (loss)	-13,993	'	'	-13,993	'	'
Common stock repurchases	-523	'	'	'	-523	'
Common stock repurchases, shares	'	-167	'	'	'	'
Dividends to stockholders	-2,659	'	'	-2,659	'	'
Issuance of restricted stock awards	'	'	-2,906	'	2,906	'
Issuance of restricted stock awards, shares	'	344	'	'	'	'
Stock-based compensation expense	1,192	'	1,192	'	'	'
Stock option exercises, shares	'	'	'	'	'	'
Tax impact of stock-based compensation	-116	'	-116	'	'	'
Foreign currency translation	-341	'	'	'	'	-341
Ending balance at Dec. 31, 2013	$65,906	$207	$62,976	$30,441	($27,575)	($143)
Ending balance, shares at Dec. 31, 2013	'	17,359	'	'	'	'

CONSOLIDATED_STATEMENTS_OF_CHA1

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS EQUITY (Parenthetical) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2011
Unrealized gain on derivative instrument, taxes	$302
Accumulated other comprehensive income (loss) [Member]	'
Unrealized gain on derivative instrument, taxes	$302

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Cash flows from operating activities:	'	'	'
Net income (loss)	($13,993)	$5,373	$10,168
Adjustments to reconcile net income (loss) to net cash provided by operating activities:	'	'	'
Depreciation and amortization	3,922	4,284	4,936
Provision for losses	54,173	46,208	41,274
Deferred income taxes	-6,026	1,902	-1,934
Non-cash interest expense	501	1,301	313
Gain from non-cash adjustment to contingent consideration	'	-1,125	'
Loss (gain) from foreign currency transaction	517	-263	'
Loss on debt extinguishment	116	'	462
Loss (gain) on cash surrender value of life insurance	-532	-351	161
Loss on disposal of property and equipment	548	384	288
Gain on sale of branch	'	'	-377
Loss from sale of assets of automotive business	256	'	'
Gain on settlement of life insurance policy	'	-739	'
Loss on sale of auto receivables	985	2,554	'
Loss on impairment of goodwill and intangible assets	22,055	2,330	'
Stock-based compensation	1,192	1,749	2,178
Changes in operating assets and liabilities, (net of effects of acquisitions):	'	'	'
Loans, interest and fees receivable, net	-60,757	-47,782	-43,735
Proceeds from sale of auto receivables	173	10,782	'
Prepaid expenses and other current assets	525	21	-240
Inventory	989	1,706	271
Other assets	165	687	36
Accounts payable	-1,236	1,827	-359
Accrued expenses, other liabilities, accrued compensation and benefits and deferred revenue	-2,707	-4,897	1,227
Income taxes	1,825	-2,435	2,721
Other non-current liabilities	-317	298	707
Net operating	3,053	23,814	18,097
Cash flows from investing activities:	'	'	'
Purchase of property and equipment	-2,895	-3,373	-1,578
Proceeds from sale of automotive business	5,926	'	'
Proceeds from sale of branch	'	'	666
Changes in restricted cash and other	'	1,099	-2,175
Acquisition costs, net of cash acquired	'	'	-11,535
Payments for premiums on life insurance	'	'	-292
Proceeds from settlement of life insurance policy	'	739	'
Other	123	40	6
Net investing	3,154	-1,495	-14,908
Cash flows from financing activities:	'	'	'
Borrowings under credit facility	17,800	35,200	29,850
Payments on credit facility	-26,500	-24,700	-32,600
Borrowings on long-term debt	9,000	'	32,000
Repayments of long-term debt	-4,500	-32,000	-27,743
Proceeds from subordinated debt	'	'	3,000
Payments for debt issuance costs	-122	-159	-1,455
Dividends to stockholders	-2,659	-3,562	-3,596
Repurchase of common stock	-523	-791	-1,435
Exercise of stock options	'	51	228
Net financing	-7,504	-25,961	-1,751
Effect of exchange rate changes on cash and cash equivalents	-142	28	12
Cash and cash equivalents	'	'	'
Net increase (decrease)	-1,439	-3,614	1,450
At beginning of year	14,124	17,738	16,288
At end of year	$12,685	$14,124	$17,738

DESCRIPTION_OF_THE_BUSINESS

DESCRIPTION OF THE BUSINESS

12 Months Ended

Dec. 31, 2013

Accounting Policies [Abstract]

DESCRIPTION OF THE BUSINESS

NOTE 1—DESCRIPTION OF THE BUSINESS

The accompanying consolidated financial statements include the accounts of QC Holdings, Inc. and its wholly-owned subsidiaries, QC Financial Services, Inc., QC Auto Services, Inc., QC Loan Services, Inc., QC E-Services, Inc., QC Canada Holdings Inc. and QC Capital, Inc. (collectively, the Company). QC Financial Services, Inc. is the 100% owner of QC Financial Services of California, Inc., Financial Services of North Carolina, Inc., QC Financial Services of Texas, Inc., Express Check Advance of South Carolina, LLC (ECA), QC Advance, Inc., Cash Title Loans, Inc. and QC Properties, LLC. QC Canada Holdings Inc. is the 100% owner of Direct Credit Holdings Inc. and its wholly owned subsidiaries (collectively, Direct Credit). QC Holdings, Inc., incorporated in 1998 under the laws of the State of Kansas, was founded in 1984, and has provided various retail consumer financial products and services throughout its 29-year history. The Company’s common stock trades on the NASDAQ Global Market exchange under the symbol “QCCO.”

Since 1998, the Company has been primarily engaged in the business of providing short-term consumer loans, known as payday loans, with principal values that typically range from $100 to $500. Payday loans provide customers with cash in exchange for a promissory note with a maturity of generally two to three weeks. The payday loans are collateralized either by a check from the customer (for the principal amount of the loan plus a specified fee), ACH authorization or a debit card. The fee charged on payday loans varies by state, but typically ranges from $15 to $20 per $100 borrowed, although recent legislation in a few states has capped the fee below $2 per $100 borrowed. To repay the cash advance, customers may redeem their check by paying cash or they may allow the check, ACH or debit card to be presented to the bank for collection.

The Company also provides other consumer financial products and services, such as installment loans, credit services, check cashing services, title loans, open-end credit, prepaid debit cards, money transfers and money orders. All of the Company’s loans and other services are subject to state regulation, which vary from state to state, as well as to federal and local regulation, where applicable. As of December 31, 2013, the Company operated 432 branches with locations in Alabama, Arizona, California, Colorado, Idaho, Illinois, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and Wisconsin. In December 2013, the Company approved the closure of 35 underperforming branches during first half 2014.

The Company began offering branch-based installment loans to customers in its Illinois branches during second quarter 2006 and expanded that product offering to customers in additional states during 2009 and 2010. In 2012, the Company introduced new installment loan products (signature loans and auto equity loans) to meet high customer demand for longer-term loan options. These new products are higher-dollar and longer-term installment loans that are centrally underwritten and distributed through the Company’s existing branch network. As of December 31, 2013, the Company offered the installment loan products to its customers in Arizona, California, Colorado, Idaho, Illinois, Missouri, New Mexico, South Carolina, Utah and Wisconsin. The installment loans are payable in monthly installments (principal plus accrued interest) with terms typically ranging from four months to 48 months, and all loans are pre-payable at any time without penalty. The fee for the installment loan varies based on the amount borrowed and the term of the loan. Generally, the amount that the Company advances under an installment loan ranges from $400 to $3,000.

The following table summarizes the average principal amount of each type of installment loan product originated during 2011, 2012 and 2013:

Year Ended December 31,

2011

2012

2013

Branch-Based

514

537

593

Signature

1,725

1,834

Auto Equity

3,188

3,300

On September 30, 2011, QC Canada Holdings Inc., a wholly-owned subsidiary of the Company, acquired 100% of the outstanding stock of Direct Credit Holdings Inc., a British Columbia company engaged in short-term, consumer Internet lending in certain Canadian provinces. Direct Credit was founded in 1999 and has developed and grown a proprietary Internet-based model into a leading platform in Canada. The acquisition of Direct Credit is part of the implementation of the Company’s strategy to diversify by increasing its product offerings and distribution, as well as by expanding its presence into international markets. See additional information in Note 4.

In September 2007, the Company entered into the buy here, pay here segment of the used automotive market in connection with ongoing efforts to evaluate alternative products that serve the Company’s customer base. In December 2013, the Company sold its automotive business to an unaffiliated limited liability company (Buyer) for approximately $6.0 million. The purchase agreement provided for the sale of certain assets of the automotive business primarily consisting of loans receivable, automobile inventory, fixed assets and other assets. In addition, the Buyer hired a significant number of the automotive business personnel. The Buyer assumed no liabilities in conjunction with the purchase of those assets, other than lease obligations for the four buy-here, pay-here locations previously leased by the Company. The Company also entered into a lease agreement with the Buyer for the one location that it owns. All revenue, expenses and income reported herein have been adjusted to reflect reclassification of the discontinued automotive business unit. See additional information in Notes 4 and 6.

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	Dec. 31, 2013
Accounting Policies [Abstract]	'
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	NOTE 2—SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Basis of Presentation. The accompanying consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States of America (GAAP) and include the accounts of the Company and its subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation.
	The Company’s Automotive business is being presented as a discontinued operation in the Consolidated Statements of Operations as a result of the sale in December 2013 discussed above. The operational results of the automotive business have been reclassified as discontinued operations in the consolidated financial statements for all periods presented. Unless otherwise stated, footnote references refer to continuing operations. See additional information in Note 6.
	Use of Estimates. In preparing financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period. On an on-going basis, management evaluates its estimates and judgments, including those related to allowance for losses on loans, fair value measurements used in goodwill impairment tests, long-lived assets, income taxes, contingencies and litigation. Management bases its estimates on historical experience, empirical data and on various other assumptions that are believed to be reasonable under the circumstances, the results of which form the basis for making judgments about the carrying values of assets and liabilities. Actual results could differ from those estimates.
	Revenue Recognition. The Company records revenue from payday and title loans upon issuance. The term of a loan is generally two to three weeks for a payday loan and 30 days for a title loan. At the end of each month, the Company records an estimate of the unearned revenue that results in revenues being recognized on a constant-yield basis ratably over the term of each loan.
	The Company records revenues from installment loans using the simple interest method.

	With respect to the Company’s credit service organization (CSO) in Texas, the Company earns a CSO fee for arranging for an unrelated third-party to make a loan to the consumer and for providing related services to the consumer, including a guarantee of the consumer’s obligation to the third-party lender. The Company also services the loan for the lender. The CSO fee is recognized ratably over the term of the loan.
	With respect to the open-end product, the Company earns interest on the outstanding balance and the product also includes a monthly non-refundable membership fee. The open-end credit product is very similar to a credit card as the customer is granted a grace period of 25 days to repay the loan without incurring any interest.
	The Company recognizes revenues for its other consumer financial products and services, which includes check cashing, money transfers and money orders, at the time those services are rendered to the customer, which is generally at the point of sale.
	The components of “Other” revenues as reported in the Consolidated Statements of Income are as follows (in thousands):


		Year Ended December 31,
		2011		2012		2013

	Credit service fees	$	7,194	$	6,731	$	6,192
	Check cashing fees		3,353		2,887		2,594
	Title loan fees		4,552		2,678		789
	Open-end credit fees		8		528		1,861
	Other fees		2,227		2,299		2,255

	Total	$	17,334	$	15,123	$	13,691

	Cash and Cash Equivalents. Cash and cash equivalents include cash on hand and short-term investments with original maturities of three months or less. The carrying amount of cash and cash equivalents approximates the estimated fair value at December 31, 2012 and 2013. Substantially all cash balances are in excess of federal deposit insurance limits.
	Restricted Cash and Other. Restricted cash and other includes cash in certain money market accounts and certificates of deposit. The restricted cash balances at December 31, 2012 and 2013 are restricted primarily due to licensing requirements in certain states.
	Loans Receivable, Provision for Losses and Allowance for Loan Losses. When the Company enters into a payday loan with a customer, the Company records a loan receivable for the amount loaned to the customer plus the fee charged by the Company, which varies from state to state based on applicable regulations.
	The following table summarizes certain data with respect to the Company’s payday loans:


		Year Ended December 31,
		2011		2012		2013
	Average amount of cash provided to customer	$	314.56	$	320.48	$	323.91
	Average fee received by the Company	$	56.65	$	57.67	$	59.23
	Average term of loan (days)		17		18		18
	When the Company enters into an installment loan with a customer, the Company records a loan receivable for the amount loaned to the customer. At each period end, the Company records any accrued fees and interest as a receivable, which vary from state to state based on applicable regulations.

	The Company records a provision for losses associated with uncollectible loans. For payday loans, all accrued fees, interest and outstanding principal are charged off on the date the Company receives a returned check, a rejected ACH or denied debit card submission, generally within 14 days after the due date of the loan. Accordingly, payday loans included in the receivable balance at any given point in time are typically not older than 30 days. These charge-offs are recorded as expense through the provision for losses. Any recoveries on losses previously charged to expense are recorded as a reduction to the provision for losses in the period recovered. With respect to title loans, no additional fees or interest are charged after the loan has defaulted, which generally occurs after attempts to contact the customer have been unsuccessful. Based on state regulations and operating procedures, the Company stops accruing interest on installment loans between 60 to 90 days after the last payment.
	With respect to the loans receivable at the end of each reporting period, the Company maintains an aggregate allowance for loan losses (including fees and interest) for payday loans, title loans and installment loans at levels estimated to be adequate to absorb estimated incurred losses in the respective outstanding loan portfolios. The Company does not specifically reserve for any individual loan.
	The methodology for estimating the allowance for payday and title loan losses utilizes a four-step approach, which reflects the short-term nature of the loan portfolio at each period-end, the historical collection experience in the month following each reporting period-end and any fluctuations in recent general economic conditions. First, the Company computes the loss/volume ratio for the last month of each reporting period. The loss/volume ratio represents the percentage of aggregate net payday and title loan charge-offs to total payday and title loan volumes during a given period. Second, the Company computes an adjustment to this percentage to reflect the collections experience in the month immediately following the reporting period-end. To estimate collections experience, the Company computes an average of the change in the loss/volume ratio from the last month of each reporting period to the immediate subsequent month-end for each of the last three years (excluding the current year). This change is then added to, or subtracted from, the loss/volume ratio computed for the last month of the current reporting period to derive an experience-adjusted loss/volume ratio. Third, the period-end gross payday and title loans receivable balance is multiplied by the experience-adjusted loss/volume ratio to determine the initial estimate of the allowance for loan losses. Fourth, the Company reviews and evaluates various qualitative factors that may or may not affect the computed initial estimate of the allowance for loan losses, including, among others, known changes in state regulations or laws, changes to the Company’s business and operating structure, and geographic or demographic developments. In connection with the Company’s decision in 2012 to close 38 branches during the first half of 2013, the Company recorded a $1.3 million qualitative adjustment to increase its allowance for loan losses as of December 31, 2012. In connection with the Company’s decision in 2013 to close 35 branches during the first half of 2014, the Company recorded a $1.0 million qualitative adjustment to increase its allowance for loan losses as of December 31, 2013.
	The Company maintains an allowance for installment loans at a level it considers sufficient to cover estimated losses in the collection of its installment loans. The allowance calculation for installment loans is based upon historical charge-off experience (primarily a six-month trailing average of charge-offs to total volume) and qualitative factors, with consideration given to recent credit loss trends and economic factors. In connection with the Company’s decision in 2012 to close 38 branches during the first half of 2013, the Company recorded a $344,000 qualitative adjustment to increase its allowance for loan losses as of December 31, 2012. In connection with the Company’s decision in 2013 to close 35 branches during the first half of 2014, the Company recorded a $262,000 qualitative adjustment to increase its allowance for loan losses as of December 31, 2013.
	The Company records an allowance for other receivables based upon an analysis that gives consideration to payment recency, delinquency levels and other general economic conditions.

	Based on the information discussed above, the Company records an adjustment to the allowance for loan losses through the provision for losses. The overall allowance represents the Company’s best estimate of probable losses inherent in the outstanding loan portfolio at the end of each reporting period.
	On occasion, the Company will sell certain payday loan receivables that the Company had previously charged off to third parties for cash. The sales are recorded as a credit to the overall loss provision, which is consistent with the Company’s policy for recording recoveries noted above. The following table summarizes cash received from the sale of these payday loan receivables (in thousands):


		Year Ended December 31,
		2011		2012		2013
	Cash received from sale of payday loan receivables	$	472	$	685	$	540

	Operating Expenses. The direct costs incurred in operating the Company’s business units have been classified as operating expenses. Operating expenses include salaries and benefits of employees (branch personnel as well as employees of Direct Credit), rent and other occupancy costs, depreciation and amortization of branch property and equipment, armored car and security costs, marketing and other costs incurred by the business units. The provision for losses is also a component of operating expenses.
	Property and Equipment. Property and equipment are recorded at cost. Depreciation is charged to operations using the straight-line method over the estimated useful lives of the assets. Buildings are depreciated generally over 39 years. Leasehold improvements are amortized using the straight-line method over the shorter of the lease term (including renewal options that are reasonably assured), which generally ranges from 1 to 15 years with an average of 7 years, or the estimated useful life of the related asset. Furniture and equipment, including data processing equipment, data processing software, and other equipment are generally depreciated from 3 to 7 years. Company-owned vehicles are depreciated over four to five years. Repair and maintenance expenditures that do not significantly extend asset lives are charged to expense as incurred. The cost and related accumulated depreciation and amortization of assets sold or disposed of are removed from the accounts, and the resulting gain or loss is included in income.
	Software. Purchased software is recorded at cost and is amortized on a straight-line basis over the estimated useful life. The Company capitalizes costs for the development of internal use software, including coding and software configuration costs and costs of upgrades and enhancements. Computer software and development costs incurred in the preliminary project stage, as well as training and maintenance costs are expensed as incurred. Direct and indirect costs associated with the application development stage of internal use software are capitalized until such time that the software is substantially complete and ready for its intended use. Costs for the development of internal use software were immaterial for the year ending December 31, 2011 and totaled $1.3 million and $1.0 million for the years ending December 31, 2012 and 2013, respectively.
	Advertising Costs. Advertising costs, including related printing, postage and search engine marketing, are charged to operations when incurred. Advertising expense was $1.9 million, $3.4 million and $3.0 million for the years ended December 31, 2011, 2012 and 2013, respectively.
	Goodwill and Intangible Assets. Goodwill represents the excess of consideration over the fair value of net tangible and identified intangible assets and liabilities assumed of acquired businesses using the acquisition method of accounting. Intangible assets consist of customer relationships, non-compete agreements, trade names, debt issuance costs, and other intangible assets.
	Goodwill and other intangible assets having indefinite useful lives are tested for impairment using a fair-value based approach on an annual basis, or more frequently if events or changes in circumstances indicate that the assets might be impaired. The test for goodwill impairment is a two-step approach. The first step of the goodwill impairment test requires a determination of whether the fair value of a reporting unit is less than its carrying value. If the fair value is less than the carrying amount, then the second step is required, which involves an analysis reflecting the allocation of the fair value determined in the first step (as if it was the purchase price in a business combination). This process may result in the determination of a new amount of goodwill. If the calculated fair value of the goodwill resulting from this allocation is lower than the carrying value of the goodwill in the reporting unit, the difference is reflected as a non-cash impairment loss. The purpose of the second step is only to determine the amount of goodwill that should be recorded on the balance sheet. The recorded amounts of other items on the balance sheet are not adjusted.
	The Company evaluates the goodwill at the reporting unit level and performs its annual goodwill and indefinite life impairment test as of December 31 for all reporting units. With respect to reporting units, the Company has two reporting units with goodwill that require testing. The reporting units to test include branch lending operations in the United States and the Canadian Internet lending operations (Direct Credit). The Company hired an independent appraiser to assist with the Company’s impairment tests as of December 31, 2012 and 2013. The independent appraiser assessed the fair value of the reporting units based on a discounted cash flows approach. The key assumptions used in the discounted cash flow valuations are discount rates and perpetual growth rates applied to cash flow projections. Also inherent in the discounted cash flow valuation models are past performance, projections and assumptions in current operating plans and revenue growth. These assumptions contemplate business, market and overall economic conditions. In connection with this process, the independent appraiser also provided a reconciliation of the estimated aggregate fair values of the Company’s reporting units to its market capitalization, including consideration of a control premium that represents what an investor would pay for the Company’s equity securities to obtain a controlling interest. The Company believes that this reconciliation is consistent with a market participant perspective. The Company tests trade names with indefinite lives for impairment by comparing the book value to a fair value calculated using a discounted cash flow approach on a presumed royalty rate derived from the revenues related to the trade name.
	Other factors that are considered important in determining whether an impairment of goodwill or indefinite lived intangible assets might exist include significant continued underperformance compared to peers, significant changes in the Company’s business and products, material and ongoing negative industry or economic trends, or other factors specific to each asset being evaluated. Any changes in key assumptions about the Company’s business and its prospects, or changes in market conditions or other externalities, could result in an impairment charge and such a charge could have a material adverse effect on the Company’s financial condition and results of operations.
	The Company performed its annual impairment test as of December 31, 2013 and determined that the fair values of both the Branch Lending and Direct Credit reporting units did not exceed their respective carrying amounts. The Company believes that certain factors reflect the recent declines in the calculated fair values of its Branch Lending and Direct Credit reporting units. These factors include, (i) a significant decline in the Company’s market capitalization during fourth quarter as the stock price declined by 22% (primarily due to the suspension of the regular quarterly dividend in November 2013), (ii) recent underperformance compared to peers, (iii) historically high loss ratios on its loan portfolios during fourth quarter 2013 and (iv) a decline in estimated cash flow projections for future periods. In connection with its annual budgeting and strategic planning process performed in the fourth quarter of 2013 and the review of its 2013 financial results, the Company assessed its existing revenue growth opportunities and cost structure (primarily expected loss ratios) for future periods. As a result, the Company reduced its short term and long term revenue and gross profit forecasts from previous estimates which affected the fair value calculated for each reporting unit.
	The Company hired an independent appraiser to assist with the second step of the impairment test. For the year ended December 31, 2013, the Company recorded a $21.4 million non-cash impairment charge to goodwill, which included $15.7 million to its Branch Lending reporting unit and $5.7 million to its Direct Credit reporting unit. In addition, the Company performed an impairment test on its indefinite lived intangible assets as of December 31, 2013 and determined that the indefinite lived intangibles of its Direct Credit reporting unit were impaired and as a result, the Company recorded a non-cash impairment charge of $669,000. See additional information in Note 10.
	Impairment of Long-Lived Assets. The Company evaluates all long-lived assets, including intangible assets that are subject to amortization, for impairment whenever events or changes in circumstances indicate that the carrying amounts may not be recoverable. When the carrying amounts of these assets cannot be recovered by the undiscounted net cash flows they will generate, impairment is recognized in an amount by which the carrying amount of the assets exceeds the fair value.
	Earnings per Share. The Company computes basic and diluted earnings per share using a two-class method because the Company has participating securities in the form of unvested share-based payment awards with rights to receive non-forfeitable dividends. Basic and diluted earnings per share are computed by dividing income available to common stockholders by the weighted average number of common shares outstanding during the year. The computation of diluted earnings per share gives effect to all dilutive potential common shares that were outstanding during the year. The effect of stock options and unvested restricted stock represent the only differences between the weighted average shares used for the basic earnings per share computation compared to the diluted earnings per share computation for each period presented. See additional information in Note 16.
Stock-Based Compensation. The Company recognizes in its financial statements compensation cost relating to share-based payment transactions. The stock-based compensation expense is recognized as expense over the requisite service period, which is the vesting period. See additional information in Note 17.
Income Taxes. Deferred income taxes are recorded to reflect the tax consequences in future years of differences between the tax basis of assets and liabilities and their financial reporting amounts, based on enacted tax laws and statutory tax rates applicable to the periods in which the differences are expected to affect taxable income. Valuation allowances are established when necessary to reduce deferred tax assets to the amounts expected to be realized. Income tax expense represents the tax payable for the current period and the change during the period in deferred tax assets and liabilities.
Tax guidance pertaining to uncertain tax positions issued by the Financial Accounting Standards Board (FASB) clarifies what criteria must be met prior to recognition of the financial statement benefit of a position taken or one that is expected to be taken in a tax return. The provisions of this guidance apply broadly to all tax positions taken by a company, including decisions to not report income in a tax return or to classify a transaction as tax exempt. The prescribed approach is determined through a two-step benefit recognition model. The amount of benefit to recognize is measured as the largest amount of tax benefit that is greater than 50 percent likely of being ultimately realized upon settlement. The tax position must be derecognized when it is no longer more likely than not of being sustained. See additional information in Note 14.
Treasury Stock. The Company’s board of directors periodically authorizes the repurchase of the Company’s common stock. The Company’s repurchases of common stock are recorded as treasury stock and result in a reduction of stockholders’ equity. The shares held in treasury stock may be used for corporate purposes, including shares issued to employees as part of the Company’s stock-based compensation programs. When treasury shares are reissued, the Company uses the average cost method. The Company had 3.5 million and 3.3 million shares of common stock held in treasury at December 31, 2012 and 2013, respectively.
Fair Value of Financial Instruments. The fair value of short-term payday, title, installment loans and open-end credit receivables, borrowings under the credit facility, accounts payable and certain other current liabilities that are short-term in nature approximates carrying value.

The Company estimates the fair value of long-term debt based upon borrowing rates available at the reporting date for indebtedness with similar terms and average maturities. As of December 31, 2012, the three-year term loan was paid in full. In November 2013, the Company entered into an amendment to its credit agreement to convert $9.0 million outstanding under its revolving credit agreement to a term loan to be repaid in four quarterly installments beginning December 2013 (as discussed in Note 11). The balance of the $9.0 million term loan was $4.5 million as of December 31, 2013. The fair value of the term loan at December 31, 2013 approximates the carrying amount. The fair value of the subordinated notes as of December 31, 2012 and 2013 approximated the carrying value.
Derivative Instruments. The Company does not engage in the trading of derivative financial instruments except where the Company’s objective is to manage the variability of forecasted interest payments attributable to changes in interest rates. In general, the Company enters into derivative transactions in limited situations based on management’s assessment of current market conditions and perceived risks.
On March 31, 2008, the Company entered into an interest rate swap agreement. The swap agreement was designated as a cash flow hedge and changed the floating rate interest obligation associated with the Company’s $50 million term loan into a fixed rate. Gains or losses on derivatives designated as cash flow hedges, to the extent they are effective, are recorded in other comprehensive income, and subsequently reclassified to earnings as interest expense to offset the impact of the hedged items when they occur. If it becomes probable the forecasted transaction to which a cash flow hedge relates will not occur, the derivative would be terminated and the amount in other comprehensive income would generally be recognized into earnings. The swap agreement had a maturity date of December 6, 2012. Under the swap, the Company paid a fixed interest rate of 3.43% and received interest at a rate of LIBOR. On October 3, 2011, the Company terminated the swap agreement. Prior to refinancing the term debt on September 30, 2011 that was associated with the swap, the swap was considered highly effective and therefore, the Company reported no net gain or loss during the year ended December 31, 2011. In connection with the termination of the swap agreement, the Company paid a net cash settlement of approximately $343,000. The Company’s remaining amounts deferred in accumulated other comprehensive loss were amortized into earnings as an increase to interest expense over the original term of the hedged transaction.
Foreign Currency Translations. The functional currency for the Company’s subsidiaries that serve residents of Canada is the Canadian dollar. The assets and liabilities of these subsidiaries are translated into U.S. dollars at the exchange rates in effect at each balance sheet date, and the resulting adjustments are recorded in “Accumulated other comprehensive income (loss)” as a separate component of equity. Revenue and expenses will be translated at the monthly average exchange rates occurring during each period.

ACCOUNTING_DEVELOPMENTS

ACCOUNTING DEVELOPMENTS	12 Months Ended
ACCOUNTING DEVELOPMENTS	Dec. 31, 2013
Accounting Policies [Abstract]	'
ACCOUNTING DEVELOPMENTS	'
	NOTE 3—ACCOUNTING DEVELOPMENTS
	In July 2013, the FASB issued guidance on the presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists. This update specifies that an unrecognized tax benefit, or a portion of an unrecognized tax benefit, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, with certain exceptions. This update is effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. The Company does not anticipate that the adoption of this guidance will have a material effect on the Company’s consolidated financial statements.
	In February 2013, the FASB amended the disclosure requirements regarding the reporting of amounts reclassified out of accumulated other comprehensive income. The amendment does not change the current requirement for reporting net income or other comprehensive income, but requires additional disclosures about significant amounts reclassified out of accumulated other comprehensive income including the effect of the reclassification on the related net income line items. The adoption of this guidance did not have a material effect on the Company’s consolidated financial statements.

	In July 2012, the FASB issued an update to existing guidance on the impairment assessment of indefinite-lived intangibles. This update simplifies the impairment assessment of indefinite-lived intangibles by allowing companies to consider qualitative factors to determine whether it is more likely than not that the fair value of an indefinite-lived intangible asset is less than its carrying amount before performing the two step impairment review process. This guidance is effective for annual and interim impairment tests performed for fiscal years beginning after September 15, 2012. The adoption of this guidance did not have a material effect on the Company’s consolidated financial statements.

SIGNIFICANT_BUSINESS_TRANSACTI

SIGNIFICANT BUSINESS TRANSACTIONS	12 Months Ended
	Dec. 31, 2013
Text Block [Abstract]	'
SIGNIFICANT BUSINESS TRANSACTIONS	'

	NOTE 4—SIGNIFICANT BUSINESS TRANSACTIONS

	Sale of Automotive Business. In December 2013, the Company sold its automotive business to an unaffiliated limited liability company (Buyer) for approximately $6.0 million. The members of that limited liability company include (as minority owners) the daughter and son-in-law of Mary Lou Early, the Vice Chairman of the Board of Directors of QC Holdings, Inc., (which individuals are also the sister and brother-in-law of Darrin J. Andersen, the President and Chief Executive Officer of QC Holdings, Inc.). The Company believes that the terms of this transaction with the related parties described above was negotiated at arm’s length and were no less favorable to the Company than terms it could have obtained from unrelated third parties.

	The purchase agreement provided for the sale of certain assets primarily consisting of loans receivable, automobile inventory, fixed assets and other assets. In addition, the Buyer hired a significant number of the Company’s automotive business personnel. The Buyer assumed no liabilities in conjunction with the purchase of those assets, other than lease obligations for the four buy-here, pay-here locations previously leased by the Company. The Company also entered into a lease agreement with Buyer for the one location that is owned by the Company. To facilitate the willingness of one landlord to enter into a new lease with Buyer, the Company guaranteed the rental obligations of Buyer for 12 months of the lease. The aggregate rental obligation under the lease during the guaranteed period is approximately $36,000.

	The operating environment for the Company’s automotive business had become increasingly challenging and operating results more volatile over the past several quarters, given the difficult general economic climate. In light of these circumstances, the Company elected to discontinue its automotive business in order to focus on its consumer lending operations in the U.S. and Canada. See additional information in Note 6.

	Restructuring. In January 2013, the Company announced a restructuring plan for the organization primarily due to a decline in loan volumes over the past few years as a result of shifting customer demand, the poor economy, regulatory changes and increasing competition in the short-term credit industry. The restructuring plan included a 10% workforce reduction in field and corporate employees primarily due to the decision in 2012 to close 38 underperforming branches during the first half of 2013. In fourth quarter 2012, the Company recorded approximately $298,000 in pre-tax charges associated with its decision to close these 38 underperforming branches. The charges included a $257,000 loss for the disposition of fixed assets and $41,000 for other costs. The Company recorded approximately $1.2 million in pre-tax charges during year ended December 31, 2013, associated with the restructuring plan. The charges included approximately $439,000 for lease terminations and other related occupancy costs and approximately $795,000 in severance and benefit costs for the workforce reduction. Excluding the effect of the closed branches, the workforce reduction and related cost savings are expected to total approximately $2.5 million to $3.0 million on an annual basis.

	Closure of Branches. During the year ended December 31, 2013, the Company closed two of its lower performing branches by consolidating each of those branches into a nearby branch. In addition, the Company approved the closure of 35 underperforming branches during first half of 2014. The Company recorded approximately $364,000 in pre-tax charges during the year ended December 31, 2013 associated with branch closures. The charges included a $247,000 loss for the disposition of fixed assets, $74,000 for lease terminations and other related occupancy costs, $32,000 in severance and benefit costs and $11,000 for other costs.

	During the year ended December 31, 2012, the Company closed 24 of its lower performing branches in various states (which included four branches that were consolidated into nearby branches). In addition, the Company decided it would close 38 underperforming branches during the first half of 2013. The Company recorded approximately $699,000 in pre-tax charges during the year ended December 31, 2012 associated with branch closures. The charges included a $398,000 loss for the disposition of fixed assets, $263,000 for lease terminations and other related occupancy costs and $38,000 for other costs.

	During the year ended December 31, 2011, the Company closed 24 of its branches in various states (which included four branches that were consolidated into nearby branches). The Company recorded approximately $553,000 in pre-tax charges during the year ended December 31, 2011 associated with these closures. The charges included a $283,000 loss for the disposition of fixed assets, $252,000 for lease terminations and other related occupancy costs and $18,000 for other costs.

	With respect to the branch closings in 2011, 2012 and 2013, a significant portion of the operations and closing costs are included as discontinued operations (see Note 6). When ceasing operations in Company branches under operating leases, the Company incurs certain lease contract termination costs. Accordingly, in cases where the lease contract specifies a termination fee due to the landlord, the Company records such expense at the time written notice is given to the landlord. In cases where terms, including termination fees, are yet to be negotiated with the landlord or in cases where the landlord does not allow the Company to prematurely exit its lease, but allows for subleasing, the Company estimates the fair value of any assumed sublease income that can be generated from the location and records as an expense the excess of remaining lease payments to the landlord over the projected sublease income at the cease-use date.

	The following table summarizes the accrued exit costs associated with the restructuring and the closure of branches discussed above, and the activity related to those charges as of December 31, 2013 (in thousands):



		Balance at		Additions		Reductions			Balance at
		December 31,							December 31,
		2012							2013

	Lease and related occupancy costs	$	54	$	513	$	(509	)	$	58

	Severance				827		(827	)
	Other				11		(11	)

	Total	$	54	$	1,351	$	(1,347	)	$	58


	As of December 31, 2013, the balance of $58,000 for accrued costs associated with the closure of branches is included as a current liability on the Consolidated Balance Sheets as the Company expects that the liabilities for these costs will be settled within one year.

	Sale of Automobile Receivables. In December 2012, the Company completed two transactions involving $17.2 million principal amount of its automobile loans receivable. The Company received approximately $11.9 million in cash proceeds in exchange for relinquishing its right, title and interest in the automobile loans receivable. The Company used the net proceeds it received to make a prepayment on the $32 million term loan under its credit agreement. The Company was subject to recourse provisions, which required it to repurchase certain automobile loans receivable in the event of a default. The recourse period ended on May 9, 2013. As of December 31, 2012 and December 31, 2013, the balance of the recourse liability was approximately $350,000 and $0, respectively. During the year ended December 31, 2013, the Company recorded a loss of approximately $522,000 as a result of the recourse provisions.



	With respect to the transfer of $17.2 million in automobile loans receivable, the Company treated $16.1 million of this amount as a sale and recognized a $2.6 million loss from the sale. The Company was unable to satisfy certain criteria for sale accounting treatment with respect to the transfer of $1.1 million in principal amount of automobile loans receivable. These transferred assets were classified as collateralized receivables and the cash proceeds received (approximately $618,000) from the transfer of these automobile loans receivable were classified as a secured borrowing. At the end of the recourse period, approximately $156,000 of the collateralized receivables was retained by the third party to satisfy the secured borrowing and the Company recorded an additional loss for this amount.

	During 2013, the Company separately sold automobile receivables to a third party resulting in a loss of $307,000.

	Direct Credit Holdings. On September 30, 2011, QC Canada Holdings Inc., a wholly-owned subsidiary of the Company, acquired 100% of the outstanding stock of Direct Credit Holdings Inc. and its wholly-owned subsidiaries (collectively, Direct Credit), a British Columbia company engaged in short-term, consumer Internet lending in certain Canadian provinces. The Company paid an aggregate initial consideration of $12.4 million. The Company also agreed to pay a supplemental earn-out payment to the extent Direct Credit’s EBITDA as specifically defined in the stock purchase agreement (generally earnings before interest, income taxes, depreciation and amortization expenses) exceeded a defined target for the twelve-month period ended September 30, 2012.

	The Company hired an independent appraiser to evaluate the fair value of the contingent consideration and the assets acquired and liabilities assumed. The contingent consideration and the estimated fair values of intangible assets acquired were fair value estimates obtained from an independent appraiser and were based on the information that was available to the Company as of the acquisition date. The Company believed that the information provided a reasonable basis for estimating the fair values of contingent consideration and of assets acquired and liabilities assumed, and the Company continued to monitor during the measurement period (one year from the acquisition date) any new information obtained about facts and circumstances that were present at the acquisition date (including consideration of legal matters as discussed in Note 18).

	The fair value of the contingent consideration arrangement at the acquisition date was $1.1 million, which was recorded in current liabilities. In accordance with the stock purchase agreement, a supplemental earn-out payment was not required as Direct Credit’s EBITDA for the 12 month period ended September 30, 2012 did not exceed the defined target. During the year ended December 31, 2012, the Company recorded a reduction to the contingent consideration liability of approximately $1.1 million. This reduction is included as a gain in the other income component of the Consolidated Statements of Income.

	The fair value of the goodwill at the acquisition date was $7.6 million. As part of the Company’s annual impairment testing performed as of December 31, 2012 and 2013, it was determined that the fair value of the Direct Credit reporting unit did not exceed its carrying value. For the years ended December 31, 2012 and 2013, the Company recognized a non-cash impairment charge to goodwill of approximately $1.7 million and $5.7 million, respectively. See additional information in Note 10.

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
FAIR VALUE MEASUREMENTS	Dec. 31, 2013
Fair Value Disclosures [Abstract]	'
FAIR VALUE MEASUREMENTS	'

	NOTE 5—FAIR VALUE MEASUREMENTS

	Fair Value Hierarchy Tables. The fair value measurement accounting guidance establishes a three-tier fair value hierarchy, which prioritizes the inputs used in measuring fair value. In general, fair values determined by Level 1 inputs utilize quoted prices (unadjusted) in active markets for identical assets or liabilities that the Company has the ability to access. Level 2 inputs include quoted prices for similar assets and liabilities in active markets, and inputs other than quoted prices that are observable for the asset or liability. Level 3 inputs are unobservable inputs for the asset or liability, and include situations where there is little, if any, market activity for the asset or liability. In certain cases, the inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level in the fair value hierarchy within which the fair value measurement in its entirety falls has been determined based on the lowest level input that is significant to the fair value measurement in its entirety. The Company’s assessment of the significance of a particular input to the fair value in its entirety requires judgment and considers factors specific to the asset or liability. There were no recurring fair value measurements as of December 31, 2012 and December 31, 2013.

	Fair Value Measurements on a Non-Recurring Basis. The Company also measures the fair value of certain assets on a non-recurring basis when events or changes in circumstances indicate that the carrying amount of the assets may not be recoverable. Non-financial assets such as property, equipment, land, goodwill and intangible assets are also subject to non-recurring fair value measurements if they are deemed to be impaired. The impairment models used for non-financial assets depend on the type of asset. When the carrying amount of these assets cannot be recovered by the undiscounted net cash flows they will generate, impairment is recognized in an amount by which the carrying amount of the assets exceeds the fair value.

	The Company evaluated its goodwill and indefinite life intangibles as part of its annual impairment testing as of December 31, 2012 and 2013. For the year ended December 31, 2013, the Company recorded a $21.4 million non-cash impairment charge to goodwill, which included $15.7 million to its Branch Lending reporting unit and $5.7 million to its Direct Credit reporting unit. In 2012, the Company recorded a $1.7 million non-cash impairment charge to goodwill for its Direct Credit reporting unit. In addition, it was determined that the trade name intangible associated with the acquisition of ECA in December 2006 was impaired and as a result, the Company recorded a charge of $600,000 to reduce the value of the trade name intangible asset during 2012. The decline in value was attributable to the prior closings of ECA branches in South Carolina and the decision to close an additional 12 branches in South Carolina during the first half of 2013. With respect to the testing for 2013, it was determined that the trade name intangible asset associated with the acquisition of Direct Credit in September 2011 was impaired. For the year ended December 31, 2013, the Company recorded a non-cash impairment charge of $669,000. This impairment of the trade name intangible asset was primarily attributed to lower forecasted profits, reflecting more conservative growth rates versus those originally assumed by the Company at the time of acquisition.

	During the year ended December 31, 2013, the Company recorded an impairment of $244,000 on fixed assets in connection with the 35 branches the Company has scheduled to close during first half of 2014. During the year ended December 31, 2012, the Company recorded an impairment of $257,000 on fixed assets in connection with the 38 branches the Company had scheduled to close during the first half of 2013. The fair value measurements used to determine the impairments were based on the market approach based on liquidation prices of comparable assets.

	The following table presents fair value measurements of certain assets on a non-recurring basis as of December 31, 2013 (in thousands):



		Fair Value Measurements						Total
		Fair Value Measurements						gains
		Level 1		Level 2		Level 3		(losses)
	Goodwill impairment for Branch Lending and Direct Credit	$	—	$	—	$	—	$	(21,386	)
	Indefinite lived intangible asset impairment for Direct Credit						692		(669	)
	Impaired fixed assets								(244	)

	Total	$	—	$	—	$	692	$	(22,229	)




	The following table presents fair value measurements of certain assets on a non-recurring basis as of December 31, 2012 (in thousands):



		Fair Value Measurements						Total
		Fair Value Measurements						gains
		Level 1		Level 2		Level 3		(losses)
	Goodwill for Direct Credit	$	—	$	—	$	6,107	$	(1,730	)
	Trade Name – ECA								(600	)
	Impaired fixed assets								(257	)

	Total	$	—	$	—	$	6,107	$	(2,587	)

DISCONTINUED_OPERATIONS

DISCONTINUED OPERATIONS	12 Months Ended
DISCONTINUED OPERATIONS	Dec. 31, 2013
Discontinued Operations And Disposal Groups [Abstract]	'
DISCONTINUED OPERATIONS	'

	NOTE 6—DISCONTINUED OPERATIONS

	During 2011, the Company closed 20 branches that were not consolidated into nearby branches and sold one branch. In 2012, the Company closed 20 branches that were not consolidated into nearby branches and decided it would close 38 branches during the first half of 2013. In December 2013, the Company approved the closure of 35 underperforming branches during first half of 2014. These branches are reported as discontinued operations in the Consolidated Statements of Income and related disclosures in the accompanying notes for all periods presented. With respect to the Consolidated Statements of Cash Flows and related disclosures in the accompanying notes, the items associated with the discontinued operations are included with the continuing operations for all periods presented.

	In September 2013, the Company approved a plan to discontinue its automotive business. The operating environment for the Company’s automotive business had become increasingly challenging and operating results more volatile over the past several quarters, given the difficult general economic climate. In light of these circumstances, the Company elected to discontinue its automotive business in order to focus on its consumer lending operations in the U.S. and Canada. In December 2013, the Company completed the disposition of certain assets of its automotive business through an agreement (Purchase Agreement) with an unaffiliated limited liability company (Buyer). The Purchase Agreement provided for the sale of certain assets of the automotive business, primarily consisting of loans receivable, inventory, fixed assets and other assets, for an aggregate purchase price of approximately $6.0 million. In addition, under the terms of the Purchase Agreement, the Company assigned the leases of the dealership lots to the Buyer. The Buyer also hired a significant number of employees from the automotive business.

	All revenue and expenses reported for each period herein have been adjusted to reflect reclassification of the discontinued automotive business. Discontinued operations include the revenue and expenses which can be specifically identified with the automotive business, and excludes any allocation of general administrative corporate costs, except interest expense.

	For the year ended December 31, 2013, the Company recorded a non-cash loss of $2.8 million in connection with the disposal of its automotive business. This non-cash loss is included as a component of discontinued operations for the year ended December 31, 2013 in the Consolidated Statements of Operations. Approximately $1.9 million of this charge was a non-cash fair-value adjustment to customer loans receivable. In addition, the Company recorded a non-cash impairment charge related to a write-off of goodwill and intangible assets totaling $679,000. Other fair value adjustments to vehicle inventories, fixed assets and other items accounted for the remaining charge of $256,000.



	Summarized financial information for discontinued operations is presented below (in thousands):



			Year Ended December 31,
			2011			2012			2013
	Total revenues		$	43,593		$	40,740		$	25,002
	Provision for losses (a)			13,601			13,541			9,724
	Other expenses			30,582			28,081			19,086

	Gross loss			(590	)		(882	)		(3,808	)
	Other, net (b)			(1,937	)		(4,355	)		(3,205	)

	Loss before income taxes			(2,527	)		(5,237	)		(7,013	)
	Income tax benefit			(970	)		(1,933	)		(2,483	)

	Loss from discontinued operations		$	(1,557	)	$	(3,304	)	$	(4,530	)



	(a)	In 2013, the provision for loss amount includes $6.2 million from the discontinued automobile business.
	(b)	In 2013, other, net includes a $679,000 impairment charge to goodwill and intangible assets.

	In accordance with accounting guidance, the assets and liabilities of the automotive business have been segregated and are recorded as assets of discontinued operations and liabilities of discontinued operations in the Consolidated Balance Sheets. There were no assets or liabilities carried on the Company’s balance sheet related to the automotive operations at December 31, 2013. As of December 31, 2012, the components of assets and liabilities classified as discontinued operations consisted of the following (in thousands):



			December 31,
			2012
	Current assets:
	Loans receivable, net		$	757
	Inventory			1,341
	Prepaid expenses and other current assets			61

	Total current assets of discontinued operations		$	2,159




			December 31,
			2012
	Non-current assets:
	Loans receivable, net		$	715
	Property and equipment, net			196
	Goodwill			672
	Intangible assets, net			29
	Other, net			16

	Total non-current assets of discontinued operations		$	1,628




		December 31,
		2012
Current liabilities:
Accounts payable		$	32
Accrued expenses and other current liabilities			1,159
Accrued compensation and benefits			51
Deferred revenue			26

Total current liabilities of discontinued operations		$	1,268




In the third quarter of 2013, prior to the annual impairment assessment, the Company also performed an interim goodwill impairment assessment relative to the goodwill associated with the reporting unit that included the automotive business. Based on the assessment, the Company determined that the fair value of this reporting unit was less than the carrying value and therefore performed the second step of the goodwill impairment assessment, which requires estimating the fair values of the reporting unit’s net identifiable assets and calculating the implied fair value of goodwill. The fair value of this reporting unit was determined by a market approach, consistent with its last annual impairment assessment. The implied fair value of goodwill was determined to be zero and, therefore, recorded goodwill was impaired and a non-cash impairment charge of $672,000 was recognized in the third quarter of 2013. The goodwill impairment was primarily a result of lower forecasted margins and increased working capital requirements within this reporting unit. In addition, the Company recorded a non-cash impairment charge for amortizable intangible assets totaling $8,000.

The asset fair values utilized in the impairment assessments discussed above were determined using Level 3 inputs as defined by accounting guidance.

The automotive business was previously accounted for as a reportable segment.

SEGMENT_INFORMATION

SEGMENT INFORMATION	12 Months Ended
SEGMENT INFORMATION	Dec. 31, 2013
Segment Reporting [Abstract]	'
SEGMENT INFORMATION	'

	NOTE 7—SEGMENT INFORMATION

	The Company’s operating business units offer various financial services. During the fourth quarter of 2013, the Company evaluated its operating segments and implemented changes to align the Company’s operating segments with how the Company manages the business and views the markets the Company serves. The Company has elected to organize and report on its business units as three reportable segments (Branch Lending, Centralized Lending and E-Lending). The Branch Lending segment includes branches that offer payday loans, installment loans, credit services, check cashing services, title loans, open-end credit, debit cards, money transfers and money orders. The Centralized Lending segment includes long-term installment loans (Signature Loans and Auto Equity Loans) that are centrally underwritten. The E-Lending segment includes the Internet lending operations in the United States and Canada. The Company evaluates the performance of its segments based on, among other things, gross profit, income from continuing operations before income taxes and return on invested capital.

	The following tables present summarized financial information for the Company’s segments (in thousands):



			Year Ended December 31, 2013
			Branch				Centralized			E-Lending			Consolidated
			Lending				Lending			E-Lending			Total
	Total revenues		$	133,199			$	11,556		$	7,227		$	151,982
	Provision for losses			32,520				8,658			3,271			44,449
	Other expenses			59,135				1,426			3,385			63,946

	Gross profit			41,544				1,472			571			43,587
	Impairment of goodwill and intangible assets			(15,684	)						(6,371	)		(22,055	)
	Other, net (a)			(27,439	)			(1,843	)		(3,343	)		(32,625	)

	Loss from continuing operations before taxes		$	(1,579	)		$	(371	)	$	(9,143	)	$	(11,093	)




			Year Ended December 31, 2012
			Branch				Centralized			E-Lending			Consolidated
			Lending				Lending			E-Lending			Total
	Total revenues		$	137,704			$	3,087		$	8,068		$	148,859
	Provision for losses			28,009				1,854			2,804			32,667
	Other expenses			59,128				652			3,420			63,200

	Gross profit			50,567				581			1,844			52,992
	Impairment of goodwill and intangible assets			(600	)						(1,730	)		(2,330	)
	Other, net (a)			(33,677	)			(481	)		(1,875	)		(36,033	)

	Income (loss) from continuing operations before taxes		$	16,290			$	100		$	(1,761	)	$	14,629




			Year Ended December 31, 2011
			Branch				Centralized			E-Lending			Consolidated
			Lending				Lending			E-Lending			Total
	Total revenues		$	143,954			$	—		$	1,903		$	145,857
	Provision for losses			27,108							565			27,673
	Other expenses			57,997							644			58,641

	Gross profit			58,849							694			59,543
	Other, net (a)			(40,264	)						(492	)		(40,756	)

	Income from continuing operations before taxes		$	18,585			$	—		$	202		$	18,787



	(a)	Represents expenses not associated with operations, which includes regional expenses, corporate expenses, depreciation and amortization, interest, other income and other expenses. Corporate expenses are allocated to each reporting segment based on each reporting unit’s percentage of revenues. For the year ended December 31, 2012, the E-Lending segment includes a gain of $1.1 million for the reduction in the contingent consideration liability.

	Information concerning total assets by reporting segment is as follows (in thousands):



			December 31,
			2012				2013
Branch Lending		$	113,286			$	90,141
Centralized Lending			4,997				11,495
E-Lending			13,417				6,468

Balance at end of year		$	131,700			$	108,104


The operations of the Branch Lending and Centralized Lending segments are all located in the United

States. The operations of the E-Lending segment are located in the United States and Canada.

CUSTOMER_RECEIVABLES_AND_ALLOW

CUSTOMER RECEIVABLES AND ALLOWANCE FOR LOAN LOSSES	12 Months Ended
CUSTOMER RECEIVABLES AND ALLOWANCE FOR LOAN LOSSES	Dec. 31, 2013
Receivables [Abstract]	'
CUSTOMER RECEIVABLES AND ALLOWANCE FOR LOAN LOSSES	'
	NOTE 8—CUSTOMER RECEIVABLES AND ALLOWANCE FOR LOAN LOSSES
	Customer receivables consisted of the following (in thousands):


			Payday				Installment				Other				Total
			and Title				Loans
			Loans
	December 31, 2013:

	Current portion:
	Total loans, interest and fees receivable		$	42,813			$	17,470			$	5,338			$	65,621
	Less: allowance for losses			(2,867	)			(3,921	)			(1,484	)			(8,272	)

	Loans, interest and fees receivable, net		$	39,946			$	13,549			$	3,854			$	57,349


	Non-current portion:
	Total loans, interest and fees receivable		$	—			$	8,503			$	—			$	8,503
	Less: allowance for losses							(2,171	)							(2,171	)

	Loans, interest and fees receivable, net		$	—			$	6,332			$	—			$	6,332



			Payday				Installment				Other				Total
			and Title				Loans
			Loans
	December 31, 2012:

	Current portion:
	Total loans, interest and fees receivable		$	50,772			$	14,642			$	1,656			$	67,070
	Less: allowance for losses			(3,211	)			(2,997	)			(400	)			(6,608	)

	Loans, interest and fees receivable, net		$	47,561			$	11,645			$	1,256			$	60,462


	Non-current portion:
	Total loans, interest and fees receivable		$	—			$	2,114			$	—			$	2,114
	Less: allowance for losses							(437	)							(437	)

	Loans, interest and fees receivable, net		$	—			$	1,677			$	—			$	1,677

	Credit quality information. In order to manage the portfolios of consumer loans effectively, the Company utilizes a variety of proprietary underwriting criteria, monitors the performance of the portfolio and maintains either an allowance or accrual for losses on consumer loans (including fees and interest) at a level estimated to be adequate to absorb credit losses inherent in the portfolio. The portfolio includes balances outstanding from all consumer loans, including short-term payday and title loans and installment loans. The allowance for losses on consumer loans offsets the outstanding loan amounts in the consolidated balance sheets.
	The Company had approximately $7.8 million in installment loans receivable that were past due as of December 31, 2013 and approximately 36.8% of this amount was more than 60 days past due. The Company had approximately $3.9 million in installment loans receivable past due as of December 31, 2012 and approximately 21.4% of this amount was more than 60 days past due.

	Allowance for loan losses. The following table summarizes the activity in the allowance for loan losses (in thousands):


			Year Ended December 31,
			2011				2012				2013
	Balance, beginning of year		$	3,410			$	3,908			$	7,045
	Charge-offs			(64,283	)			(65,378	)			(75,572	)
	Recoveries			32,092				30,398				34,607
	Effect of foreign currency translation							2				(4	)
	Provision for losses			32,689				38,115				44,367

	Balance, end of year		$	3,908			$	7,045			$	10,443

	The provision for losses in the Consolidated Statements of Income includes losses associated with the CSO (see note 13 for additional information) and excludes loss activity related to discontinued operations (see note 6 for additional information).
	The following table summarizes the activity in the allowance for loan losses by product type during the years ended December 31, 2012 and 2013 (in thousands):



		Year Ended December 31, 2013
		Payday				Installment				Other				Total
		and Title				Loans
		Loans
Balance, beginning of year		$	3,211			$	3,435			$	399			$	7,045
Charge-offs			(57,107	)			(17,056	)			(1,409	)			(75,572	)
Recoveries			32,005				2,418				184				34,607
Effect of foreign currency translation											(4	)			(4	)
Provision for losses			24,758				17,295				2,314				44,367

Balance, end of year		$	2,867			$	6,092			$	1,484			$	10,443


		Year Ended December 31, 2012
		Payday				Installment				Other				Total
		and Title				Loans
		Loans
Balance, beginning of year		$	1,548			$	2,260			$	100			$	3,908
Charge-offs			(51,949	)			(12,549	)			(880	)			(65,378	)
Recoveries			27,951				2,175				272				30,398
Effect of foreign currency translation											2				2
Provision for losses			25,661				11,549				905				38,115

Balance, end of year		$	3,211			$	3,435			$	399			$	7,045

PROPERTY_AND_EQUIPMENT

PROPERTY AND EQUIPMENT	12 Months Ended
PROPERTY AND EQUIPMENT	Dec. 31, 2013
Property Plant And Equipment [Abstract]	'
PROPERTY AND EQUIPMENT	'

	NOTE 9—PROPERTY AND EQUIPMENT

	Property and equipment consisted of the following (in thousands):



		December 31,
		2012			2013
	Buildings	$	3,262		$	3,262
	Leasehold improvements		18,263			18,403
	Furniture and equipment		21,730			22,959
	Land		512			512
	Vehicles		1,014			966

			44,781			46,102
	Less: Accumulated depreciation and amortization		(33,571	)		(35,772	)

	Total	$	11,210		$	10,330


	In February 2005, the Company entered into a seven-year lease for a new corporate headquarters in Overland Park, Kansas. In January 2011, the Company amended its lease agreement to extend the lease term and modify the lease payments. The lease was extended with a new landlord through October 31, 2017 and includes a renewal option for an additional five years. As part of the original lease agreement and the amendment to the lease agreement, the Company received tenant allowances from the landlord for leasehold improvements totaling $1.4 million. The tenant allowances are recorded by the Company as a deferred liability and are being amortized as a reduction of rent expense over the life of the lease. As of December 31, 2012, the balance of the deferred liability was approximately $270,000, of which $214,000 is classified as a non-current liability. As of December 31, 2013, the balance of the deferred liability was approximately $214,000, of which $158,000 is classified as a non-current liability.

	Depreciation and amortization expense for property and equipment totaled $3.5 million, $3.0 million and $2.9 million for the years ended December 31, 2011, 2012 and 2013, respectively.

GOODWILL_AND_INTANGIBLE_ASSETS

GOODWILL AND INTANGIBLE ASSETS	12 Months Ended
GOODWILL AND INTANGIBLE ASSETS	Dec. 31, 2013
Goodwill And Intangible Assets Disclosure [Abstract]	'
GOODWILL AND INTANGIBLE ASSETS	'

	NOTE 10—GOODWILL AND INTANGIBLE ASSETS

	Goodwill. The following table summarizes by reportable segment the changes in the carrying amount of goodwill for the years ended December 31, 2012 and 2013 (in thousands):



		Branch			E-Lending			Total
		Lending			E-Lending			Total
	Balances as of December 31, 2011	$	15,684		$	7,602		$	23,286
	Impairment					(1,730	)		(1,730	)
	Effect of foreign currency translation					235			235

	Balances as of December 31, 2012		15,684			6,107			21,791
	Impairment		(15,684	)		(5,702	)		(21,386	)
	Effect of foreign currency translation					(405	)		(405	)

	Balances as of December 31, 2013	$	—		$	—		$	—


	The Company performed its annual impairment test as of December 31, 2013 and determined that the fair values of both the Branch Lending and Direct Credit reporting units did not exceed their respective carrying amounts. For purposes of the step one analysis, the fair value of each reporting unit was estimated using an income approach that analyzed projected discounted cash flows. The discount rates used for the reporting units ranged from 16.1% to 23.8%. The Company believes that certain factors reflect the recent declines in the calculated fair values of its Branch Lending and Direct Credit reporting units. These factors include, (i) a significant decline in the Company’s market capitalization during fourth quarter as the stock price declined by 22% (primarily due to the suspension of the regular quarterly dividend in November 2013), (ii) recent underperformance compared to peers, (iii) historically high loss ratios on its loan portfolios during fourth quarter 2013 and (iv) a decline in estimated cash flow projections for future periods. In connection with its annual budgeting and strategic planning process performed in the fourth quarter of 2013 and the review of its 2013 financial results, the Company assessed its existing revenue growth opportunities and cost structure (primarily expected loss ratios) for future periods. As a result, the Company reduced its short term and long term revenue and gross profit forecasts from previous estimates which affected the fair value calculated for each reporting unit.

	The Company hired an independent appraiser to assist with the second step of the impairment test. The amount of impairment for each reporting unit was calculated by comparing the reporting unit’s implied fair value of goodwill to its carrying amount, which requires an allocation of the fair value determined in the step one analysis to the individual assets and liabilities of each reporting unit. Any remaining fair value would represent the implied fair value of goodwill on the testing date. The test results showed that the implied fair value of the goodwill for each reporting unit was a negative amount after the allocation of the fair value to the individual assets and liabilities of each reporting unit and thus, a full impairment of goodwill was recorded for each reporting unit. For the year ended December 31, 2013, the Company recorded a $21.4 million non-cash impairment charge to goodwill, which included a $15.7 million tax deductible charge to its Branch Lending reporting unit and a $5.7 million non-tax deductible charge to its Direct Credit reporting unit.

	With respect to 2012, the Company performed its annual impairment testing of goodwill and concluded that no impairment existed at December 31, 2012 for its Branch Lending reporting unit. However, the test results showed that the fair value of the Direct Credit reporting unit did not exceed its carrying amount and a step two analysis was required to determine the amount of the impairment. As a result, the Company recorded a $1.7 million non-cash, non-tax deductible impairment charge to goodwill for its Direct Credit reporting unit during 2012. For the year ended December 31, 2011, no impairment of goodwill was recognized.

	Intangible Assets. The following table summarizes intangible assets (in thousands):



		December 31,
		2012			2013
	Non-amortized intangible assets:
	Trade names	$	1,456		$	692

	Amortized intangible assets:
	Customer relationships	$	2,603		$	2,603
	Non-compete agreements		210
	Debt issue costs		1,291			1,413

	Gross carrying amount		4,104			4,016
	Effect of foreign currency translation		77			2
	Less: Accumulated amortization		(2,010	)		(3,150	)

			2,171			868

	Total intangible assets, net	$	3,627		$	1,560


	Intangible assets at December 31, 2012 and December 31, 2013 include customer relationships, non-compete agreements, trade names and debt issue costs. Customer relationships are amortized using the straight-line method over the weighted average useful lives ranging from three to five years. Non-compete agreements are currently amortized using the straight-line method over the term of the agreements, ranging from three to five years. The amount recorded for trade names are considered an indefinite life intangible and not subject to amortization. Costs paid to obtain debt financing are amortized to interest expense over the term of each related debt agreement using the effective interest method for term debt and the straight-line method for the revolving credit facility.

	The Company tests trade names with indefinite lives for impairment annually by comparing the book value to a fair value calculated using a discounted cash flow approach on a presumed royalty rate derived from the revenues related to the trade name. Based on testing results for 2013, the Company concluded that the indefinite lived intangible assets associated with the acquisition of Direct Credit were impaired and recorded an impairment charge of $669,000 to reduce the value of the indefinite lived intangible assets.

	Based on the results from its 2012 impairment testing, the Company concluded that the trade name associated with the acquisition of ECA was impaired and recorded an impairment charge of $600,000 to reduce the value of the trade name intangible asset. In 2006, the Company acquired 51 branches in South Carolina from Express Check Advance, LLC. The Company has closed the majority of these branches (31 branches as of December 31, 2012) and decided in December 2012 it would close 12 additional branches during first half 2013 due to a change in the payday loan law in South Carolina in 2009 that had negatively impacted revenues and gross profits in those branches over the past few years. No impairment of intangible assets was recognized during 2011.

	Amortization expense for the years ended December 31, 2011, 2012 and 2013 was $780,000, $899,000 and $861,000, respectively. Annual amortization for intangible assets recorded as of December 31, 2013 is estimated to be $863,000 for 2014 and $5,000 for 2015.

INDEBTEDNESS

INDEBTEDNESS	12 Months Ended
INDEBTEDNESS	Dec. 31, 2013
Debt Disclosure [Abstract]	'
INDEBTEDNESS	'

	NOTE 11—INDEBTEDNESS

	Credit Agreement. The following table summarizes long-term debt at December 31, 2012 and 2013 (in thousands):



		December 31,
		2012			2013
	Term loan	$	—		$	4,500
	Revolving credit facility		25,000			16,300

	Total debt		25,000			20,800
	Less: debt due within one year		(25,000	)		(20,800	)

	Total non-current debt	$	—		$	—


	On September 30, 2011, the Company entered into an amended and restated credit agreement with a syndicate of banks to replace its prior credit agreement, which was previously amended on December 7, 2007. The credit agreement provided for a term loan of $32 million and a revolving line of credit (including provisions permitting the issuance of letters of credit and swingline loans) in the aggregate principal amount of up to $27 million. In connection with amending the credit agreement, the Company capitalized approximately $1.0 million in debt issue costs, which it is amortizing over three years, and recorded a loss on debt extinguishment totaling $462,000, which is included in the Consolidated Statements of Income as part of other expense, net. The weighted average interest rate for borrowings under the revolving line of credit at December 31, 2012 and 2013 was 4.3% and 4.1%, respectively.

	The credit agreement contains financial covenants related to EBITDA (earnings before interest, provision for income taxes, depreciation and amortization and non-cash charges related to equity-based compensation), fixed charge coverage, leverage, total indebtedness, liquidity and maximum loss ratio. As of September 30, 2013, the Company was not in compliance with one of the financial covenants (minimum consolidated EBITDA) as set forth in the credit agreement. On November 12, 2013, the Company entered into an amendment to the credit agreement to (i) reduce the maximum amount available under the revolving credit facility from $27 million to $18 million; (ii) convert $9 million outstanding under the revolving credit agreement to a term loan to be repaid in four quarterly installments beginning December 31, 2013; (iii) eliminate the minimum consolidated EBITDA requirement through the term of the facility; (iv) allow for the sale of certain assets from the Company’s automobile business, which include certain receivables, automobile inventory, equipment and real estate, provided that the greater of $3 million or 50% of the net proceeds is used to reduce the outstanding principal balance of the new term loan; (v) increase the trailing twelve month maximum loss ratio to 30% through December 31, 2013 and 28% thereafter; and (vi) allow for an increase in subordinated debt. The amendment also prohibits the payment of dividends and repurchase of the Company’s stock through the maturity of the facility on September 30, 2014, except for the repurchase of up to $175,000 of stock in connection with vesting of restricted stock held by employees.

	In February 2014, it was determined that the Company would not be in compliance with the financial covenant related to maximum loss ratio as of January 31, 2014. The amendment in November 2013 provides that the loss ratio allowed is calculated as of the end of each fiscal month and measured on a trailing 12 month basis. The calculated loss ratio may not be equal to or greater than (i) 30% for the monthly periods ending September 30, 2013 through December 31, 2013, and (ii) 28% for each monthly period thereafter. As of January 31, 2014, the computed loss ratio for the trailing 12 months was 28.4%, which was in excess of the maximum amount allowed by the credit agreement. On February 28, 2014, the Company entered into an amendment to the credit agreement to provide for a trailing 12 month maximum loss ratio of 30% for each of January and February 2014 and 28% thereafter.

	In December 2013, the Company sold substantially all the assets of its automotive business to Buyer for a cash purchase price of approximately $6.0 million paid at closing. In accordance with recent amendments to the Company’s credit facility, the Company used $3.0 million of the sale proceeds to make a mandatory prepayment on its $9.0 million term loan. The remaining balance of $6.0 million on the term loan is required to be repaid in four quarterly installments of $1.5 million each, beginning on December 31, 2013. As of December 31, 2013, the balance of the $9.0 million term loan was $4.5 million.

	The obligations of the Company under the current credit agreement are guaranteed by all the operating subsidiaries of the Company (other than foreign subsidiaries), and are secured by liens on substantially all of the personal property of the Company and its operating subsidiaries. The Company pledged 65% of the stock of QC Canada Holdings Inc. to secure the obligations of the Company under the current credit agreement. The lenders may accelerate the obligations of the Company under the current credit agreement if there is a change in control of the Company, including an acquisition of 25% or more of the equity securities of the Company by any person or group. The current credit agreement matures on September 30, 2014.

	Borrowings under the term loan and the facility are available based on two types of loans, Base Rate loans or LIBOR Rate loans. Base Rate loans bear interest at a rate ranging from 1.25% to 2.25% depending on the Company’s leverage ratio (as defined in the agreement), plus the higher of the Prime Rate, the Federal Funds Rate plus 0.50% or the one-month LIBOR rate in effect plus 2.00%. LIBOR Rate loans bear interest at rates based on the LIBOR rate for the applicable loan period with a margin over LIBOR ranging from 3.25% to 4.25% depending on the Company’s leverage ratio (as defined in the agreement). The loan period for a LIBOR Rate loan may be one month, two months, three months or six months and the loan may be renewed upon notice to the agent provided that no default has occurred. The credit facility also includes a non-use fee ranging from 0.375% to 0.625%, which is based upon the Company’s leverage ratio.

	In December 2012, the Company sold the majority of its automobile receivables and used the proceeds from the sale to pay down its $32 million term loan. In addition to scheduled repayments, the $32 million term loan contained mandatory principal prepayment provisions whereby the Company was required to reduce the outstanding principal amount of the term loan based on the Company’s excess cash flow (as defined in the agreement) and the Company’s leverage ratio as of the most recent completed fiscal year. To the extent that the Company’s leverage ratio was greater than one, the Company was required to pay 75% of excess cash flow. If the leverage ratio fell below one, the mandatory payment was 50% of excess cash flow. Under the previous credit agreement, the Company made a $10.7 million principal payment on the $32 million term loan in April 2012, which was required under the mandatory prepayment provisions of the credit agreement. As of December 31, 2012, the $32 million term loan was paid in full.

	Subordinated Debt. Under the current credit agreement, the lenders required that the Company issue $3.0 million of senior subordinated notes. On September 30, 2011, the Company issued $2.5 million initial principal amount of senior subordinated notes to the Chairman of the Board of the Company. The remaining $500,000 principal amount of subordinated notes was issued to another stockholder of the Company, who is not an officer or director of the Company. The subordinated notes bear interest at the rate of 16% per annum, payable quarterly, 75% of which is payable in cash and 25% of which is payable-in-kind (PIK) through the issuance of additional senior subordinated PIK notes. The subordinated notes mature on September 30, 2015, are subject to prepayment at the option of the Company, without penalty or premium, on or after September 30, 2014, and are subject to mandatory prepayment, without premium, upon a change of control. The subordinated notes contain events of default tied to the Company’s total debt to total capitalization ratio and total debt to EBITDA ratio. As of December 31, 2013, the Company was in compliance with these covenants. The subordinated notes further provide that upon occurrence of an event of default on the subordinated notes, the Company may not declare or pay any cash dividend or distribution of cash or other property (other than equity securities of the Company) on its capital stock. As of December 31, 2012 and December 31, 2013, the balance of the subordinated notes was approximately $3.2 million and $3.3 million, respectively.

	The following table summarizes future principal payments of indebtedness at December 31, 2013 (in thousands):



		December 31,
		2013
	2014	$	20,800
	2015		3,282

	Total	$	24,082

DERIVATIVES

DERIVATIVES	12 Months Ended
DERIVATIVES	Dec. 31, 2013
Derivative Instruments And Hedging Activities Disclosure [Abstract]	'
DERIVATIVES	'

	NOTE 12—DERIVATIVES

	Derivative instruments are accounted for at fair value. The accounting for changes in the fair value of a derivative depends on the intended use and designation of the derivative instrument. For a derivative instrument designated as a fair value hedge, the gain or loss on the derivative is recognized in earnings in the period of change in fair value together with the offsetting gain or loss on the hedged item. For a derivative instrument designated as a cash flow hedge, the effective portion of the derivative’s gain or loss is initially reported as a component of Other Comprehensive Income (OCI) and is subsequently recognized in earnings when the hedged exposure affects earnings. The ineffective portion of the gain or loss is recognized in earnings. Gains or losses from changes in fair values of derivatives that are not designated as hedges for accounting purposes are recognized currently in earnings.

	Prior to amending and restating its credit agreement on September 30, 2011, the Company was exposed to certain risks relating to adverse changes in interest rates on its long-term debt and managed that risk with the use of a derivative. The Company did not enter into the derivative instrument for trading or speculative purposes.



	Cash Flow Hedge. The Company entered into an interest rate swap agreement during first quarter 2008 for $49 million of its outstanding debt as a cash flow hedge to interest rate fluctuations under its prior credit facility. The swap agreement was designated as a cash flow hedge, and effectively changed the floating rate interest obligation associated with the $50 million term loan into a fixed rate. Because the term debt associated with the swap was refinanced on September 30, 2011, the hedge no longer met the criteria for accounting of a cash flow hedge. On October 3, 2011, the Company terminated the swap agreement. In connection with the termination of the swap agreement, the Company paid a net cash settlement of approximately $343,000. The Company’s net loss on this transaction was deferred in accumulated other comprehensive income and is amortized into earnings as an increase to interest expense over the original term of the hedged transaction, which was scheduled to terminate in December 2012. For the years ended December 31, 2011 and 2012, the Company has recorded interest expense totaling approximately $69,000 and $275,000, respectively related to the termination of the swap.

	The following table summarizes the gains (losses) recognized in Other Comprehensive Income related to the interest rate swap agreement for the years ended December 31, 2011, 2012 and 2013 (in thousands):



		Gain (Loss) Recognized in OCI
		Year Ended December 31,
	Derivatives Designated as Hedging Instruments	2011			2012		2013
	Cash flow hedges:
	Loss recognized in other comprehensive income	$	(59	)	$	—	$	—
	Amount reclassified from accumulated other comprehensive income to interest expense		578			275

	Total	$	519		$	275	$	—

CREDIT_SERVICES_ORGANIZATION

CREDIT SERVICES ORGANIZATION	12 Months Ended
CREDIT SERVICES ORGANIZATION	Dec. 31, 2013
Text Block [Abstract]	'
CREDIT SERVICES ORGANIZATION	'

	NOTE 13—CREDIT SERVICES ORGANIZATION

	For the Company’s locations in Texas, the Company began operating as a CSO, through one of its subsidiaries, in September 2005. As a CSO, the Company acts as a credit services organization on behalf of consumers in accordance with Texas laws. The Company charges the consumer a fee for arranging for an unrelated third-party to make a loan to the consumer and for providing related services to the consumer, including a guarantee of the consumer’s obligation to the third-party lender. The Company also services the loan for the lender. The CSO fee is recognized ratably over the term of the loan. The Company is not involved in the loan approval process or in determining the loan approval procedures or criteria. As a result, loans made by the lender are not included in the Company’s loans receivable balance and are not reflected in the Consolidated Balance Sheets. As noted above, however, the Company absorbs all risk of loss through its guarantee of the consumer’s loan from the lender. As of December 31, 2012 and December 31, 2013, the consumers had total loans outstanding with the lender of approximately $2.6 million and $2.8 million, respectively. Because of the economic exposure for potential losses related to the guarantee of these loans, the Company records a payable at fair value to reflect the anticipated losses related to uncollected loans. The balance of the liability for estimated losses reported in accrued liabilities was approximately $100,000 as of December 31, 2012 and $985,000 as of December 31, 2013. In 2013, the products offered to consumers in Texas (thru the CSO model discussed above) were expanded to include an installment loan product and a new online loan product. Consistent with the Company’s historical experience, losses associated with new product offerings are significantly higher during the initial launch of the product compared to long-term expectations. As a result of this experience and the Company’s guarantee of losses under the CSO model, the liability for estimated losses was significantly increased during 2013.



	The following table summarizes the activity in the liability for CSO loan losses during the years ended December 31, 2011, 2012 and 2013 (in thousands):



		Year Ended December 31,
	CSO liability:	2011			2012			2013
	Balance, beginning of year	$	100		$	90		$	100
	Charge-offs		(3,462	)		(3,224	)		(3,448	)
	Recoveries		830			889			719
	Provision for losses		2,622			2,345			3,614

	Balance, end of year	$	90		$	100		$	985

INCOME_TAXES

INCOME TAXES	12 Months Ended
INCOME TAXES	Dec. 31, 2013
Income Tax Disclosure [Abstract]	'
INCOME TAXES	'

	NOTE 14—INCOME TAXES

	The Company’s provision (benefit) for income taxes from continuing operations is summarized as follows (in thousands):



			Year Ended December 31,
			2011				2012				2013
	Current:
	Federal		$	7,889			$	1,088			$	341
	State			1,028				100				146
	Foreign			150				196				480

	Total Current			9,067				1,384				967

	Deferred:
	Federal			(1,696	)			4,131				(1,616	)
	State			(228	)			556				(217	)
	Foreign			(81	)			(119	)			(764	)

	Total Deferred			(2,005	)			4,568				(2,597	)

	Total provision (benefit) for income taxes		$	7,062			$	5,952			$	(1,630	)

	Income (loss) from continuing operations:
	Domestic		$	18,585			$	14,893			$	(4,052	)
	Foreign			202				(264	)			(7,041	)

	Income (loss) from continuing operations before income taxes		$	18,787			$	14,629			$	(11,093	)




	The sources of deferred income tax assets (liabilities) are summarized as follows (in thousands):



			December 31,
			2012				2013
	Deferred tax assets related to:
	Allowance for loan losses		$	6,150			$	7,419
	Accrued rent			892				666
	Accrued vacation			456				372
	Stock-based compensation			2,419				2,301
	Unused state tax credits			861				1,054
	Book reserves			935				458
	Deferred compensation			1,309				1,413
	Accrued legal			57				142
	Foreign net operating loss carry-forwards			111				379
	Goodwill and intangible assets							2,895
	Other							443

	Total gross deferred tax assets			13,190				17,542
	Less: valuation allowance			(861	)			(1,054	)

	Net deferred tax assets			12,329				16,488


	Deferred tax liabilities related to:
	Property and equipment			(169	)			(96	)
	Loans receivable, tax value			(6,069	)			(7,538	)
	Goodwill and intangibles			(3,013	)
Prepaid assets			(444	)			(275	)
Other			(75	)

Gross deferred tax liabilities			(9,770	)			(7,909	)

Net deferred tax asset		$	2,559			$	8,579


The Company has state tax credit and various loss carry-forwards of approximately $1.5 million and $1.8 million as of December 31, 2012 and December 31, 2013, respectively. The deferred tax asset related to these credits and carry-forwards is approximately $861,000 and $1.1 million as of December 31, 2012 and December 31, 2013, respectively. The Company’s ability to utilize a significant portion of the state tax credit carry-forwards is dependent on its ability to meet certain criteria imposed by the state for each subsequent year in which any portion of the credit is utilized. Until certification to utilize these credits is received, the Company believes that it is not more likely than not that the benefit of these credits will be realized. The loss carry-forwards can only be utilized against income of a certain character and the tax liabilities of specific subsidiaries in specific jurisdictions, one of which included a discontinued operation. Absent future taxable income of the appropriate character and taxable income in those jurisdictions, it is not more likely than not that the carry-forwards will be utilized. Accordingly, a valuation allowance in the amount of $861,000 and $1.1 million has been established at December 31, 2012 and December 31, 2013, respectively. The Company also has gross foreign net operating loss carry-forwards of approximately $1.5 million that generally expire in 17 – 20 years. The Company believes it is more likely than not that these carry-forwards will be utilized prior to their expiration. Accordingly, no valuation allowance for the related deferred tax asset has been recognized.



Differences between the Company’s effective income tax rate computed for income (loss) from continuing operations and the statutory federal income tax rate are as follows (in thousands):



		Year Ended December 31,
		2011				2012				2013
Income tax expense (benefit) using the statutory federal rate in effect		$	6,575			$	5,120			$	(3,883	)
Tax effect of:
State and local income taxes, net			520				427				(47	)
Goodwill impairment							604				1,998
Contingent consideration							(395	)
Non-taxable insurance policy proceeds							(259	)
Section 162(m) limitation							142
Other			(33	)			313				302

Total provision (benefit) for income taxes		$	7,062			$	5,952			$	(1,630	)


Effective tax rate			37.6	%			40.7	%			(14.7	)%
Statutory federal tax rate			35	%			35	%			35	%

The effective income tax rate for the year ended December 31, 2013 was (14.7)% compared to 40.7% in the prior year. The decrease is primarily related to the goodwill impairment charge to the Direct Credit reporting unit and other certain non-deductible expenses as a percentage of the pre-tax loss.

As of December 31, 2012 and 2013, the accumulated undistributed earnings of foreign affiliates were a deficit of $208,000 and $7.0 million, respectively. As the Company intends to indefinitely reinvest these earnings in the business of its foreign affiliates, no federal or state income taxes or foreign withholding taxes have been provided for amounts which would become payable, if any, on the distribution of such earnings should they become positive in the future.

Uncertain Tax Positions. A summary of the total amount of unrecognized tax benefits for the years ended December 31, 2012 and 2013 is as follows (in thousands):



		December 31,
		2012				2013
Balance at beginning of year		$	193			$	123
Additions for tax positions taken during prior years			1
Additions for tax positions taken during the current year			2				78
Reductions for tax positions taken during prior years			(63	)			(1	)
Lapse of statute of limitations			(10	)			(10	)

Balance at end of year		$	123			$	190


Approximately $21,000 of the total unrecognized tax benefits at December 31, 2013, will, if ultimately recognized, impact the Company’s annual effective tax rate.

The Company records accruals for interest and penalties related to unrecognized tax benefits in interest expense and operating expense, respectively. Interest and penalties, and associated accruals, were not material in 2011, 2012 or 2013.

The Company does not anticipate any material changes in the amount of unrecognized tax benefits in the next twelve months.



The Company is subject to income taxes in the U.S. federal jurisdiction and various state and foreign jurisdictions. Tax regulations within each jurisdiction are subject to the interpretation of the related tax laws and regulations and require significant judgment to apply. In the ordinary course of business, transactions occur for which the ultimate tax outcome is uncertain. In addition, respective tax authorities periodically audit the Company’s income tax returns. These audits examine the Company’s significant tax filing positions, including the timing and amounts of deductions and the allocation of income among tax jurisdictions. The following table outlines the tax years that generally remain subject to examination as of December 31, 2013:



		Federal		State and
		Federal		Foreign

Statute remains open		2010-2013		2009-2013
Tax years currently under examination		N/A		N/A

EMPLOYEE_BENEFIT_PLANS

EMPLOYEE BENEFIT PLANS	12 Months Ended
EMPLOYEE BENEFIT PLANS	Dec. 31, 2013
Compensation And Retirement Disclosure [Abstract]	'
EMPLOYEE BENEFIT PLANS	'

	NOTE 15—EMPLOYEE BENEFIT PLANS

	The Company has established a defined-contribution 401(k) benefit plan that covers substantially all its full-time employees. Under the plan, the Company makes a matching contribution of 50% of each employee’s contribution, up to 6% of the employee’s compensation. The Company’s matching contributions and administrative expenses relating to the 401(k) plan were $473,000, $436,000 and $450,000 during 2011, 2012 and 2013, respectively.

	In June 2007, the Company established a non-qualified deferred compensation plan for certain highly compensated employees, which permits participants to defer a portion of their compensation. Under the plan, the Company makes a matching contribution of 50% of each employee’s contribution, up to 6% of the employee’s compensation. The Company’s matching contributions and administrative expenses relating to the plan were $179,000, $188,000, and $181,000 during 2011, 2012 and 2013, respectively. Deferred amounts are credited with deemed gains or losses of the underlying hypothetical investments. For the years ended December 31, 2012 and 2013, the Company recognized compensation expense of approximately $354,000 and $226,000, respectively, as a result of deemed gains on the hypothetical investments. For the year ended December 31, 2011, the Company recognized a reduction in compensation expense of approximately $60,000, as a result of deemed losses on the hypothetical investments. Included in Other Liabilities (non-current) are amounts deferred under this plan of approximately $3.3 million and $3.7 million at December 31, 2012 and 2013, respectively.

	The Company purchases corporate-owned life insurance policies on certain officers to informally fund the non-qualified deferred compensation plan. The cash surrender value of the life insurance policies is included in Other Assets (non-current) and totaled approximately $3.4 million and $3.8 million at December 31, 2012 and 2013, respectively. This asset is available to fund the deferred compensation liability; however, the asset is not protected from creditors of the Company. For the years ended December 31, 2012 and 2013, the Company recognized gains totaling $351,000 and $532,000, respectively, on its investments associated with the life insurance policies, reflected in the cash surrender value. For the year ended December 31, 2011, the Company recognized a loss totaling $161,000 on its investments associated with the life insurance policies, reflected in the cash surrender value.

STOCKHOLDERS_EQUITY

STOCKHOLDERS' EQUITY	12 Months Ended
STOCKHOLDERS' EQUITY	Dec. 31, 2013
Equity [Abstract]	'
STOCKHOLDERS' EQUITY	'

	NOTE 16—STOCKHOLDERS’ EQUITY

	Earnings Per Share. The following table presents the computations of basic and diluted earnings per share for the periods presented (in thousands, except per share data):



		Year Ended December 31,
		2011			2012			2013
	Income (loss) from continuing operations	$	11,725		$	8,677		$	(9,463	)
	Loss from discontinued operations available to common stockholders		(1,557	)		(3,304	)		(4,530	)

	Income (loss) available to common stockholders	$	10,168		$	5,373		$	(13,993	)


	Weighted average basic common shares outstanding		17,027			17,169			17,370
	Incremental shares from assumed conversion of stock options, unvested restricted shares and unvested performance-based shares		83			57


	Weighted average diluted common shares outstanding		17,110			17,226			17,370


	Earnings (loss) per share
	Basic
	Continuing operations	$	0.66		$	0.49		$	(0.53	)
	Discontinued operations		(0.09	)		(0.19	)		(0.26	)

	Net income (loss)	$	0.57		$	0.3		$	(0.79	)


	Diluted
	Continuing operations	$	0.66		$	0.49		$	(0.53	)
	Discontinued operations		(0.09	)		(0.19	)		(0.26	)

	Net income (loss)	$	0.57		$	0.3		$	(0.79	)


	The Company has approximately 17.0 million shares, 17.2 million shares and 17.4 million shares outstanding at December 31, 2011, 2012 and 2013, respectively. For financial reporting purposes, however, unvested restricted shares in the amount of approximately 928,000 shares, 604,000 shares and 315,000 shares are excluded from the determination of average common shares outstanding used in the calculation of basic earnings per share in the above table for the years ended December 31, 2011, 2012 and 2013, respectively.

	Anti-dilutive securities. Options to purchase approximately 2.6 million shares, 2.6 million shares and 2.5 million shares of common stock were excluded from the diluted earnings per share calculation for the years ended December 31, 2011, 2012 and 2013, respectively because they were anti-dilutive.

	Stock Repurchases. The board of directors has authorized the Company to repurchase up to $60 million of its common stock in the open market and through private purchases. The acquired shares may be used for corporate purposes, including shares issued to employees in stock-based compensation programs. Under the announced stock repurchase program, the Company expended $1.1 million for approximately 273,000 shares, $415,000 for approximately 105,000 shares and $179,000 for approximately 66,000 shares during the years ended December 31, 2011, 2012, and 2013, respectively. As of December 31, 2013, the Company had approximately $3.9 million that may yet be utilized to repurchase shares under the current program. As a result of the amendment to its credit agreement in November 2013 (see Note 11), the Company may not repurchase its common stock through the maturity of the facility on September 30, 2014, except for the repurchase of up to $175,000 of stock in connection with vesting of restricted stock held by employees. Shares received in exchange for tax withholding obligations arising from the vesting of restricted stock are included in common stock repurchased in the Consolidated Statements of Cash Flows and the Statements of Changes in Stockholders’ Equity.

	Dividends. In November 2008, the Company’s board of directors established a regular quarterly cash dividend of $0.05 per share of the Company’s common stock. In addition to regular quarterly dividends, the Company’s board of directors has also approved special cash dividends on the Company’s common stock from time to time. As a result of the amendment to its credit agreement in November 2013 (see Note 11), the Company may not pay dividends on its common stock through the maturity of the facility on September 30, 2014. For the years ended December 31, 2011 and 2012, the Company declared dividends on its common stock of $0.20 per share, in each year. For the year ended December 31, 2013, the Company declared dividends on its common stock of $0.15 per share.

STOCKBASED_COMPENSATION

STOCK-BASED COMPENSATION	12 Months Ended
STOCK-BASED COMPENSATION	Dec. 31, 2013
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract]	'
STOCK-BASED COMPENSATION	'

	NOTE 17—STOCK-BASED COMPENSATION

	Long-Term Incentive Stock Plans. As of December 31, 2013, the Company’s stock-based compensation plans include the 1999 Stock Option Plan and the 2004 Equity Incentive Plan (2004 Plan). Securities remaining available for future issuance under equity compensation plans approved by security holders consist solely of shares of common stock available under the 2004 Plan. The maximum number of shares of common stock of the Company originally reserved and available for issuance under the 2004 Plan was three million shares. In June 2009, at the annual meeting of the Company’s stockholders, the stockholders approved an amendment to the 2004 Plan to increase the number of shares of common stock available for issuance under such plan from three million shares to five million shares. As of December 31, 2013, there are approximately 204,000 shares of common stock available for future issuance under the 2004 Plan, which may be issued, in any combination, as incentive stock options, non-qualified stock options, stock appreciation rights, performance-based share awards, restricted stock or other incentive awards of, or based on, the Company’s common stock. In previous years, the Company has issued a combination of stock options (non-qualified) and restricted stock to its employees as part of the Company’s long-term equity incentive compensation program.

	In accordance with the Company’s stock-based compensation plans, the exercise price of a stock option is equal to the market price of the stock on the date of the grant and the option awards typically vest over four years in 25% increments on the first, second, third and fourth anniversaries of the grant date. Generally, options granted will expire 10 years from the date of grant.

	Restricted stock awards and performance-based share awards are valued on the date of grant and have no purchase price. Restricted stock awards typically vest over four years in 25% increments on the first, second, third and fourth anniversaries of the grant date. The vesting period for performance-based share awards is implicitly stated as the time period it will take for the performance condition to be met. Under the 2004 Plan, unvested shares of restricted stock and unvested performance-based share awards may be forfeited upon the termination of employment with the Company, dependent upon the circumstances of termination. Except for restrictions placed on the transferability of restricted stock, holders of unvested restricted stock and holders of unvested performance-based share awards have full stockholder’s rights, including voting rights and the right to receive cash dividends.



	Share-Based Compensation. The following table summarizes the stock-based compensation expense reported in net income (loss) for the years ended December 31, 2011, 2012 and 2013 (in thousands):



			Year Ended December 31,
			2011				2012			2013
	Employee stock-based compensation:
	Stock options		$	386			$	213		$	17
	Restricted stock awards			1,609				1,355			987

				1,995				1,568			1,004
	Non-employee director stock-based compensation:
	Restricted stock awards			183				181			188

	Total stock-based compensation		$	2,178			$	1,749		$	1,192


	The related income tax benefit was $817,000, $673,000 and $459,000 for the years ended December 31, 2011, 2012 and 2013, respectively.

	Stock Options. The fair value of option grants are determined on the grant date using a Black-Scholes option-pricing model, which requires the Company to make several assumptions. The risk-free interest rate is based on the U.S. Treasury yield curve in effect for the expected term of the option at the time of the grant. The dividend yield is calculated based on the current dividend and the market price of the Company’s common stock on the grant date. The expected volatility factor used by the Company is based on the Company’s historical stock trading history. The Company computes the expected term of the option by using the simplified method, which is an average of the vesting term and original contractual term. The Company did not grant stock options during 2011, 2012 and 2013.

	The total intrinsic value of options exercised during the years ended December 31, 2011 and 2012 was $240,000 and $43,000, respectively. No options were exercised during the year ended December 31, 2013.

	The total fair value of options vested during 2013 was approximately $201,000.

	A summary of all stock option activity under the equity compensation plans for the year ended December 31, 2013 is as follows:



			Options				Weighted			Weighted Average			Aggregate
							Average			Remaining			Intrinsic Value
							Exercise Price			Contractual Term
										(years)
													(in thousands)

	Outstanding, January 1, 2013			2,639,536			$	9.91
	Exercised
	Forfeited			(96,784	)			11.8


	Outstanding, December 31, 2013			2,542,752			$	9.84			2.4		$	—


	Exercisable, December 31, 2013			2,542,752			$	9.84			2.4		$	—




	The following table summarizes information about options outstanding and exercisable at December 31, 2013:



		Options Outstanding										Options Exercisable
Exercise Price		Number				Weighted Average			Weighted			Number			Weighted
		Outstanding				Remaining			Average			Exercisable			Average
						Contractual Life of			Exercise Price						Exercise Price
						Outstanding
						(in years)

$ 1 to $5			525,492				5.1		$	4.39			525,492		$	4.39
$ 5 to $10			780,902				2			9.47			780,902			9.47
$10 to $15			1,173,508				1.4			12.24			1,173,508			12.24
$15 to $20			62,850				1			15.07			62,850			15.07

			2,542,752				2.4		$	9.84			2,542,752		$	9.84


Restricted stock grants. A summary of all restricted stock activity under the equity compensation plans for the year ended December 31, 2013 is as follows:



		Restricted Stock				Weighted
						Average Grant
						Date Fair Value

Nonvested balance, January 1, 2013			603,991			$	4.55
Granted			55,020				3.41
Vested			(343,802	)			4.43
Forfeited			(262	)			4.39

Nonvested balance, December 31, 2013			314,947			$	4.49


During 2013, the Company granted 55,020 shares of restricted stock to non-employee directors under the 2004 Equity Incentive Plan pursuant to restricted stock agreements. The shares granted to the non-employee directors vested immediately upon grant and are subject to an agreed-upon six-month holding period. The Company estimated that the fair market value of these restricted stock grants was approximately $188,000, which the Company recognized as stock-based compensation expense in the first quarter 2013.

During 2012, the Company granted 52,500 shares of restricted stock to non-employee directors under the 2004 Equity Incentive Plan pursuant to restricted stock agreements. The shares granted to the non-employee directors vested immediately upon grant and are subject to an agreed-upon six-month holding period. The Company estimated that the fair market value of these restricted stock grants was approximately $181,000, which the Company recognized as stock-based compensation expense in the first quarter 2012.

During 2011, the Company granted 532,040 shares of restricted stock to various employees and non-employee directors under the 2004 Equity Incentive Plan pursuant to restricted stock agreements. The grants consisted of 487,200 shares granted to employees that vest equally over four years and 44,840 shares granted to non-employee directors that vested immediately upon grant subject to an agreed-upon six-month holding period. The Company estimated that the fair market value of these restricted stock grants was approximately $2.2 million.

As of December 31, 2013, there was $564,000 of total unrecognized compensation costs related to nonvested restricted stock grants. The Company estimates that these costs will be amortized over a weighted average period of 1 year.



The total fair value of restricted stock vested (at vest date) during the years ended December 31, 2011, 2012 and 2013 was $1.0 million, $1.3 million and $1.2 million, respectively. The Company requires employees to tender a portion of their vested shares to the Company to satisfy the minimum tax withholding obligations of the Company with respect to vesting of the shares. During 2011, 2012 and 2013, the Company repurchased shares from employees totaling approximately 73,100, 108,270, and 100,973, respectively.

Other Long-Term Incentive Compensation. In 2012, the Company adopted a new Long-Term Incentive Plan, which covers all executive officers, other than its Chairman of the Board and its Vice Chairman of the Board. The annual long-term incentive awards (LTI Awards) are made at targeted dollar levels and consist of Performance Units comprising 75% of the target value and cash-based Restricted Stock Units (RSUs) comprising 25% of the target value. The ultimate value of the Performance Units and RSUs can only be settled in cash.

The Company granted Performance Units to various officers under the new LTIP during first quarter 2012 and first quarter 2013. The value of the Performance Units is based upon a performance measure established by our compensation committee. The performance measure for the 2012 grant is the annual average return on assets for a three-year performance period (i.e., 2012 – 2014) at a targeted percentage return. The performance measure for 2013 is the annual average return on assets for a three-year performance period (i.e., 2013 – 2015 at a targeted percentage return). Performance Units will be paid in cash at the end of the performance period subject to continued employment by the covered officer throughout the performance period and vest upon the occurrence of certain change in control events. As of December 31, 2012 and 2013, the balance of the non-current liability for the Performance Units was approximately $242,000 and $83,000, respectively. During second quarter 2013, the liability for the 2012 grant was reduced to $0 as the Company believes the performance measures required for the 2012 grant will not be met. Compensation expense is recognized over the performance period and is estimated based on the probability of achieving performance goals outlined in the plan. As of December 31, 2013, the total unrecognized compensation costs related to the Performance Units was approximately $167,000. The Company expects that these costs will be amortized to compensation expense over a weighted average period of 2.0 years.

In first quarter 2012 and first quarter 2013, the Company granted cash-based RSU’s to various officers under the new LTIP totaling 92,452 and 50,877, respectively. The RSUs vest at the end of the performance period subject to continued employment by the covered officer throughout the performance period (i.e., 3-year cliff vesting as of close of business on December 31 of the third year of the performance period) and vest upon the occurrence of certain change in control events. The payout of the RSUs will be made in cash at the end of the performance period based on number of RSUs times the average weighted trailing 3-month stock price of the Company as of December 31 of the third year of the performance period. As of December 31, 2012 and 2013, the balance of the non-current liability for RSUs was approximately $101,000 and $141,000, respectively. As of December 31, 2013, the total unrecognized compensation costs related to the RSUs was $116,000. The Company expects that these costs will be amortized to compensation expense over a weighted average period of 1.4 years.

The following table summarizes expense (income) reported in net income from Performance Units and RSU’s (in thousands):



		Year Ended
		December 31,
		2012				2013
Performance Units		$	242			$	(159	)
RSU’s			101				40

Total		$	343			$	(119	)

COMMITMENTS_AND_CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
COMMITMENTS AND CONTINGENCIES	Dec. 31, 2013
Commitments And Contingencies Disclosure [Abstract]	'
COMMITMENTS AND CONTINGENCIES	'

	NOTE 18—COMMITMENTS AND CONTINGENCIES

	Operating Leases. The Company leases certain equipment and buildings under non-cancelable operating leases. The future minimum lease payments include payments required for the initial non-cancelable term of the operating lease plus any payments for periods of expected renewals provided in the lease that the Company considers to be reasonably assured of exercising. The following table summarizes the future minimum lease payments as of December 31, 2013 (in thousands):



		Non-		Reasonably		Total
		Cancelable		Assured
				Renewals

	2014	$	9,750	$	1,656	$	11,406
	2015		6,151		3,742		9,893
	2016		3,140		5,527		8,667
	2017		1,523		6,096		7,619
	2018		384		5,709		6,093
	Thereafter		327		12,683		13,010

	Total	$	21,275	$	35,413	$	56,688


	Rental expense was $9.9 million, $10.5 million and $10.5 million during the years ended December 31, 2011, 2012 and 2013, respectively.

	Other. The Company is self-insured for certain elements of its employee benefits. Self-insurance liabilities are based on claims filed and estimates of claims incurred but not reported.

	Under the terms of the Company’s agreement with its third-party lender in Texas, the Company is contractually obligated to reimburse the lender for the full amount of the loans and certain related fees that are not collected from the customers. See additional information in Note 13.

	Litigation. The Company is subject to various asserted and unasserted claims during the course of business. Due to the uncertainty surrounding the litigation process, except for those matters for which an accrual is described below, the Company is unable to reasonably estimate the range of loss, if any, in connection with the asserted and unasserted legal actions against it. Although the outcome of many of these matters is currently not determinable, the Company believes that it has meritorious defenses and that the ultimate cost to resolve these matters will not have a material adverse effect on the Company’s consolidated financial statements. In addition to the legal proceedings discussed below, the Company is subject to various legal proceedings arising from normal business operations.

	The Company assesses the materiality of litigation by reviewing a range of qualitative and quantitative factors. These factors include the size of the potential claims, the merits of the Company’s defenses and the likelihood of plaintiffs’ success on the merits, the regulatory environment that could impact such claims and the potential impact of the litigation on its business. The Company evaluates the likelihood of an unfavorable outcome of the legal or regulatory proceedings to which it is a party in accordance with accounting guidance. This assessment is subjective based on the status of the legal proceedings and is based on consultation with in-house and external legal counsel. The actual outcomes of these proceedings may differ from the Company’s assessments.

	North Carolina. On February 8, 2005, the Company, two of its subsidiaries, including its subsidiary doing business in North Carolina, and Mr. Don Early, the Company’s Chairman of the Board, were sued in Superior Court of New Hanover County, North Carolina in a putative class action lawsuit filed by James B. Torrence, Sr. and Ben Hubert Cline, who were customers of a Delaware state-chartered bank for whom the Company provided certain services in connection with the bank’s origination of payday loans in North Carolina, prior to the closing of the Company’s North Carolina branches in fourth quarter 2005. The lawsuit alleges that the Company violated various North Carolina laws, including the North Carolina Consumer Finance Act, the North Carolina Check Cashers Act, the North Carolina Loan Brokers Act, the state unfair trade practices statute and the state usury statute, in connection with payday loans made by the bank to the two plaintiffs through the Company’s retail locations in North Carolina. The lawsuit alleges that the Company made the payday loans to the plaintiffs in violation of various state statutes, and that if the Company is not viewed as the “actual lenders or makers” of the payday loans, its services to the bank that made the loans violated various North Carolina statutes. Plaintiffs are seeking certification as a class, unspecified monetary damages, and treble damages and attorney fees under specified North Carolina statutes. Plaintiffs have not sued the bank in this matter and have specifically stated in the complaint that plaintiffs do not challenge the right of out-of-state banks to enter into loans with North Carolina residents at such rates as the bank’s home state may permit, all as authorized by North Carolina and federal law.

	In July 2011, the parties completed a weeklong hearing on the Company’s motion to enforce its class action waiver provision and its arbitration provision. In January 2012, the trial court denied the Company’s motion to enforce its class action and arbitration provisions. The Company has appealed that ruling to the North Carolina Court of Appeals. On February 4, 2014, the Court of Appeals ruled that the trial court erred, and ordered the trial court to dismiss the lawsuit and that the parties proceed to arbitration. It is now expected that plaintiffs will seek review of this decision by the North Carolina Supreme Court. That review is discretionary, however, so there is a possibility that the Supreme Court will refuse review. It is expected that the Company will know if the Supreme Court will review the case by mid-2014. If the Supreme Court accepts review, the parties will file briefs and argue the matter before the Supreme Court. That would likely result in an issued decision from the Supreme Court no earlier than mid-2015.

	There were three similar purported class action lawsuits filed in North Carolina against three other companies unrelated to the Company. The plaintiffs in those three cases were represented by the same law firms as the plaintiffs in the case filed against the Company. Settlements in each of the three companion cases were reached by the end of 2010; however, the settlements do not provide reasonable guidance on settlements in the Company’s case, especially in light of the favorable decision by North Carolina Court of Appeals on the Company arbitration clause.

	Canada. On September 30, 2011, the Company acquired all the outstanding shares of Direct Credit, a British Columbia company engaged in short-term, consumer Internet lending in certain Canadian provinces. On October 18, 2011, Matthew Lee, an alleged Alberta, Canada resident sued Direct Credit, all of its subsidiaries and three former directors of those subsidiaries in the Supreme Court of British Columbia in a purported class action. The plaintiff alleges that Direct Credit and its subsidiaries violated Canada’s criminal usury laws by charging interest on its loans at rates higher than 60%. The plaintiff purports to represent all Canadian borrowers of the subsidiary who resided outside of British Columbia.

	Plaintiff seeks (i) class certification for the class described above, (ii) a declaration that loan fees collected in excess of the 60% limit in the cited usury statute are held by the defendants in constructive trust for the benefit of the class members, (iii) an accounting and restitution to plaintiff and class members of all loan fees received by the defendants, (iv) a declaration that the collection of the loan fees in excess of 60% per annum constitutes an unconscionable trade act or practice under the Canadian Business Practices Consumer Protection Act, (v) an order to restore to the class members the loan fees collected by defendants in excess of 60% per annum, and (vi) interest thereon.

	Direct Credit has not yet answered the civil claim of the plaintiff, but intends to defend itself, its subsidiaries and its former directors. The parties are in discussions to settle this matter, and it is possible that the matter will be settled in first half of 2014. The Company cannot predict whether it and the other parties will reach a formal, binding agreement for the settlement of this matter or whether the final agreement will be on the terms presently contemplated. The Company’s exposure to this matter is limited due to an indemnification provision in the Asset Purchase Agreement between the Company and the former owners of Direct Credit. However, the Company is responsible for a portion of any settlement arising from post-acquisition alleged conduct. As of February 2014, the Company estimates that the total settlement will range between $1.2 million and $1.7 million, with the Company’s un-indemnified exposure amounting to approximately 40% of that amount. The Company has reserved in the accompanying financial statements its estimated liability for settling this litigation under the current parameters and recorded an indemnification asset due from the previous sellers.

	California. On August 13, 2012, the Company was sued in the United States District Court for the South District of California in a putative class action lawsuit filed by Paul Stemple. Mr. Stemple alleges that the Company used an automatic telephone dialing system with an “artificial or prerecorded voice” in violation of the Telephone Consumer Protection Act, 47 U.S.C. 227, et seq. The complaint does not identify any other members of the proposed class, nor how many members may be in the proposed class. This matter is in the early stages of litigation. The Company has filed an answer denying all claims. It is expected that class briefing will occur in the first quarter of 2014.

	Other Matters. The Company is also currently involved in ordinary, routine litigation and administrative proceedings incidental to its business, including customer bankruptcies and employment-related matters from time to time. The Company believes the likely outcome of any other pending cases and proceedings will not be material to its business or its financial condition.

CERTAIN_CONCENTRATIONS_OF_RISK

CERTAIN CONCENTRATIONS OF RISK	12 Months Ended
	Dec. 31, 2013
Risks And Uncertainties [Abstract]	'
CERTAIN CONCENTRATIONS OF RISK	'

	NOTE 19—CERTAIN CONCENTRATIONS OF RISK

	The Company is subject to regulation by federal and state governments in the United States that affect the products and services provided by the Company, particularly payday loans. The Company currently operates in 23 states throughout the United States and is engaged in consumer Internet lending in the United States and certain Canadian provinces. The level and type of regulation of payday loans varies greatly from state to state, ranging from states with no regulations or legislation to other states with very strict guidelines and requirements. The Company is also subject to foreign regulation in Canada where certain provinces have proposed substantive regulation of the payday loan industry.

	Company short-term lending branches located in the states of Missouri, California, Kansas, Illinois, and New Mexico represented approximately 25%, 17%, 6%, 5% and 5% respectively, of total revenues for the year ended December 31, 2013. Company short-term lending branches located in the states of Missouri, California, Kansas, New Mexico, Illinois and Idaho represented approximately 36%, 17%, 8% 5%, 5% and 5%, respectively, of total gross profit for the year ended December 31, 2013. To the extent that laws and regulations are passed that affect the Company’s ability to offer loans or the manner in which the Company offers its loans in any one of those states, the Company’s financial position, results of operations and cash flows could be adversely affected. In recent years, the Company has experienced several negative effects resulting from law changes, for example:


		•	The Arizona payday loan statutory authority expired by its terms on June 30, 2010, and the expiration of this law had a significant adverse effect on the revenues and profitability of the Company’s Arizona branches. For the year ended December 31, 2011, revenues and gross profit from the Arizona branches declined by $1.5 million and $1.4 million respectively, from the same period in the prior year. Prior to the expiration of the Arizona payday loan law, branches in Arizona accounted for more than 5% of the Company’s revenues and gross profits.


		•	In March 2011, a new payday law became effective in Illinois that imposes customer usage restrictions that has negatively affected revenues and profitability. This type of customer restriction, when passed in other states such as Washington, South Carolina and Kentucky, has resulted in a 30% to 60% decline in annual revenues in that state and a more significant decline in gross profit for the state, depending on the types of alternative products that competitors offered within the state. The Illinois law provided for an overlap of the previous lending approach with loans issued under the new law for a period of one year, which extended the time period over which the negative effects of the new law occurred. During 2011, revenues from branches in Illinois declined by $2.4 million and gross profit declined by $2.2 million. In 2012, revenues and gross profit from Illinois declined by $2.0 million and $1.8 million, respectively. During 2013, revenues and gross profit for Illinois rebounded modestly from the difficult 2011 and 2012 periods.

	There was an effort in Missouri to place a voter initiative on the statewide ballot in November 2012, which was intended to preclude any lending in the state with an annual rate over 36%. The supporters of the voter initiative did not submit a sufficient number of valid signatures to place the initiative on the ballot in November 2012. However, a similar initiative was submitted to the Missouri Secretary of State in December 2012 for inclusion on the November 2014 ballot subject to the proponents submitting the required number of valid signatures in support of the initiative.

	In 2013, branches in Missouri accounted for approximately 25% and 36% of the Company’s total revenues and gross profits, respectively. The loss of Missouri revenues and gross profit as a result of passage of a voter initiative precluding payday lending would have a material adverse effect on the Company’s results of operation and financial condition.

SUPPLEMENTAL_DISCLOSURES_OF_CA

SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION	12 Months Ended
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION	Dec. 31, 2013
Supplemental Cash Flow Elements [Abstract]	'
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION	'

	NOTE 20—SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION

	The following table sets forth certain cash activities for the years ended December 31, 2011, 2012 and 2013 (in thousands):



		Year Ended December 31,
		2011		2012		2013
	Cash paid during the year for:
	Income taxes	$	5,531	$	4,715	$	283
	Interest		2,036		2,220		1,267

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)

12 Months Ended

Dec. 31, 2013

Accounting Policies [Abstract]

Basis of Presentation

Basis of Presentation. The accompanying consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States of America (GAAP) and include the accounts of the Company and its subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation.

The Company’s Automotive business is being presented as a discontinued operation in the Consolidated Statements of Operations as a result of the sale in December 2013 discussed above. The operational results of the automotive business have been reclassified as discontinued operations in the consolidated financial statements for all periods presented. Unless otherwise stated, footnote references refer to continuing operations. See additional information in Note 6.

Use of Estimates

Use of Estimates. In preparing financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period. On an on-going basis, management evaluates its estimates and judgments, including those related to allowance for losses on loans, fair value measurements used in goodwill impairment tests, long-lived assets, income taxes, contingencies and litigation. Management bases its estimates on historical experience, empirical data and on various other assumptions that are believed to be reasonable under the circumstances, the results of which form the basis for making judgments about the carrying values of assets and liabilities. Actual results could differ from those estimates.

Revenue Recognition

Revenue Recognition. The Company records revenue from payday and title loans upon issuance. The term of a loan is generally two to three weeks for a payday loan and 30 days for a title loan. At the end of each month, the Company records an estimate of the unearned revenue that results in revenues being recognized on a constant-yield basis ratably over the term of each loan.

The Company records revenues from installment loans using the simple interest method.

With respect to the Company’s credit service organization (CSO) in Texas, the Company earns a CSO fee for arranging for an unrelated third-party to make a loan to the consumer and for providing related services to the consumer, including a guarantee of the consumer’s obligation to the third-party lender. The Company also services the loan for the lender. The CSO fee is recognized ratably over the term of the loan.

With respect to the open-end product, the Company earns interest on the outstanding balance and the product also includes a monthly non-refundable membership fee. The open-end credit product is very similar to a credit card as the customer is granted a grace period of 25 days to repay the loan without incurring any interest.

The Company recognizes revenues for its other consumer financial products and services, which includes check cashing, money transfers and money orders, at the time those services are rendered to the customer, which is generally at the point of sale.

The components of “Other” revenues as reported in the Consolidated Statements of Income are as follows (in thousands):

Year Ended December 31,

2011

2012

2013

Credit service fees

7,194

6,731

6,192

Check cashing fees

3,353

2,887

2,594

Title loan fees

4,552

2,678

789

Open-end credit fees

528

1,861

Other fees

2,227

2,299

2,255

Total

17,334

15,123

13,691

Cash and Cash Equivalents

Cash and Cash Equivalents. Cash and cash equivalents include cash on hand and short-term investments with original maturities of three months or less. The carrying amount of cash and cash equivalents approximates the estimated fair value at December 31, 2012 and 2013. Substantially all cash balances are in excess of federal deposit insurance limits.

Restricted Cash

Restricted Cash and Other. Restricted cash and other includes cash in certain money market accounts and certificates of deposit. The restricted cash balances at December 31, 2012 and 2013 are restricted primarily due to licensing requirements in certain states.

Loans Receivable, Provision for Losses and Allowance for Loan Losses

Loans Receivable, Provision for Losses and Allowance for Loan Losses. When the Company enters into a payday loan with a customer, the Company records a loan receivable for the amount loaned to the customer plus the fee charged by the Company, which varies from state to state based on applicable regulations.

The following table summarizes certain data with respect to the Company’s payday loans:

Year Ended December 31,

2011

2012

2013

Average amount of cash provided to customer

314.56

320.48

323.91

Average fee received by the Company

56.65

57.67

59.23

Average term of loan (days)

When the Company enters into an installment loan with a customer, the Company records a loan receivable for the amount loaned to the customer. At each period end, the Company records any accrued fees and interest as a receivable, which vary from state to state based on applicable regulations.

The Company records a provision for losses associated with uncollectible loans. For payday loans, all accrued fees, interest and outstanding principal are charged off on the date the Company receives a returned check, a rejected ACH or denied debit card submission, generally within 14 days after the due date of the loan. Accordingly, payday loans included in the receivable balance at any given point in time are typically not older than 30 days. These charge-offs are recorded as expense through the provision for losses. Any recoveries on losses previously charged to expense are recorded as a reduction to the provision for losses in the period recovered. With respect to title loans, no additional fees or interest are charged after the loan has defaulted, which generally occurs after attempts to contact the customer have been unsuccessful. Based on state regulations and operating procedures, the Company stops accruing interest on installment loans between 60 to 90 days after the last payment.

With respect to the loans receivable at the end of each reporting period, the Company maintains an aggregate allowance for loan losses (including fees and interest) for payday loans, title loans and installment loans at levels estimated to be adequate to absorb estimated incurred losses in the respective outstanding loan portfolios. The Company does not specifically reserve for any individual loan.

The methodology for estimating the allowance for payday and title loan losses utilizes a four-step approach, which reflects the short-term nature of the loan portfolio at each period-end, the historical collection experience in the month following each reporting period-end and any fluctuations in recent general economic conditions. First, the Company computes the loss/volume ratio for the last month of each reporting period. The loss/volume ratio represents the percentage of aggregate net payday and title loan charge-offs to total payday and title loan volumes during a given period. Second, the Company computes an adjustment to this percentage to reflect the collections experience in the month immediately following the reporting period-end. To estimate collections experience, the Company computes an average of the change in the loss/volume ratio from the last month of each reporting period to the immediate subsequent month-end for each of the last three years (excluding the current year). This change is then added to, or subtracted from, the loss/volume ratio computed for the last month of the current reporting period to derive an experience-adjusted loss/volume ratio. Third, the period-end gross payday and title loans receivable balance is multiplied by the experience-adjusted loss/volume ratio to determine the initial estimate of the allowance for loan losses. Fourth, the Company reviews and evaluates various qualitative factors that may or may not affect the computed initial estimate of the allowance for loan losses, including, among others, known changes in state regulations or laws, changes to the Company’s business and operating structure, and geographic or demographic developments. In connection with the Company’s decision in 2012 to close 38 branches during the first half of 2013, the Company recorded a $1.3 million qualitative adjustment to increase its allowance for loan losses as of December 31, 2012. In connection with the Company’s decision in 2013 to close 35 branches during the first half of 2014, the Company recorded a $1.0 million qualitative adjustment to increase its allowance for loan losses as of December 31, 2013.

The Company maintains an allowance for installment loans at a level it considers sufficient to cover estimated losses in the collection of its installment loans. The allowance calculation for installment loans is based upon historical charge-off experience (primarily a six-month trailing average of charge-offs to total volume) and qualitative factors, with consideration given to recent credit loss trends and economic factors. In connection with the Company’s decision in 2012 to close 38 branches during the first half of 2013, the Company recorded a $344,000 qualitative adjustment to increase its allowance for loan losses as of December 31, 2012. In connection with the Company’s decision in 2013 to close 35 branches during the first half of 2014, the Company recorded a $262,000 qualitative adjustment to increase its allowance for loan losses as of December 31, 2013.

The Company records an allowance for other receivables based upon an analysis that gives consideration to payment recency, delinquency levels and other general economic conditions.

Based on the information discussed above, the Company records an adjustment to the allowance for loan losses through the provision for losses. The overall allowance represents the Company’s best estimate of probable losses inherent in the outstanding loan portfolio at the end of each reporting period.

On occasion, the Company will sell certain payday loan receivables that the Company had previously charged off to third parties for cash. The sales are recorded as a credit to the overall loss provision, which is consistent with the Company’s policy for recording recoveries noted above. The following table summarizes cash received from the sale of these payday loan receivables (in thousands):

Year Ended December 31,

2011

2012

2013

Cash received from sale of payday loan receivables

472

685

540

Operating Expenses

Operating Expenses. The direct costs incurred in operating the Company’s business units have been classified as operating expenses. Operating expenses include salaries and benefits of employees (branch personnel as well as employees of Direct Credit), rent and other occupancy costs, depreciation and amortization of branch property and equipment, armored car and security costs, marketing and other costs incurred by the business units. The provision for losses is also a component of operating expenses.

Property and Equipment

Property and Equipment. Property and equipment are recorded at cost. Depreciation is charged to operations using the straight-line method over the estimated useful lives of the assets. Buildings are depreciated generally over 39 years. Leasehold improvements are amortized using the straight-line method over the shorter of the lease term (including renewal options that are reasonably assured), which generally ranges from 1 to 15 years with an average of 7 years, or the estimated useful life of the related asset. Furniture and equipment, including data processing equipment, data processing software, and other equipment are generally depreciated from 3 to 7 years. Company-owned vehicles are depreciated over four to five years. Repair and maintenance expenditures that do not significantly extend asset lives are charged to expense as incurred. The cost and related accumulated depreciation and amortization of assets sold or disposed of are removed from the accounts, and the resulting gain or loss is included in income.

Software

Software. Purchased software is recorded at cost and is amortized on a straight-line basis over the estimated useful life. The Company capitalizes costs for the development of internal use software, including coding and software configuration costs and costs of upgrades and enhancements. Computer software and development costs incurred in the preliminary project stage, as well as training and maintenance costs are expensed as incurred. Direct and indirect costs associated with the application development stage of internal use software are capitalized until such time that the software is substantially complete and ready for its intended use. Costs for the development of internal use software were immaterial for the year ending December 31, 2011 and totaled $1.3 million and $1.0 million for the years ending December 31, 2012 and 2013, respectively.

Advertising Costs

Advertising Costs. Advertising costs, including related printing, postage and search engine marketing, are charged to operations when incurred. Advertising expense was $1.9 million, $3.4 million and $3.0 million for the years ended December 31, 2011, 2012 and 2013, respectively.

Goodwill and Intangible Assets

Goodwill and Intangible Assets. Goodwill represents the excess of consideration over the fair value of net tangible and identified intangible assets and liabilities assumed of acquired businesses using the acquisition method of accounting. Intangible assets consist of customer relationships, non-compete agreements, trade names, debt issuance costs, and other intangible assets.

Goodwill and other intangible assets having indefinite useful lives are tested for impairment using a fair-value based approach on an annual basis, or more frequently if events or changes in circumstances indicate that the assets might be impaired. The test for goodwill impairment is a two-step approach. The first step of the goodwill impairment test requires a determination of whether the fair value of a reporting unit is less than its carrying value. If the fair value is less than the carrying amount, then the second step is required, which involves an analysis reflecting the allocation of the fair value determined in the first step (as if it was the purchase price in a business combination). This process may result in the determination of a new amount of goodwill. If the calculated fair value of the goodwill resulting from this allocation is lower than the carrying value of the goodwill in the reporting unit, the difference is reflected as a non-cash impairment loss. The purpose of the second step is only to determine the amount of goodwill that should be recorded on the balance sheet. The recorded amounts of other items on the balance sheet are not adjusted.

The Company evaluates the goodwill at the reporting unit level and performs its annual goodwill and indefinite life impairment test as of December 31 for all reporting units. With respect to reporting units, the Company has two reporting units with goodwill that require testing. The reporting units to test include branch lending operations in the United States and the Canadian Internet lending operations (Direct Credit). The Company hired an independent appraiser to assist with the Company’s impairment tests as of December 31, 2012 and 2013. The independent appraiser assessed the fair value of the reporting units based on a discounted cash flows approach. The key assumptions used in the discounted cash flow valuations are discount rates and perpetual growth rates applied to cash flow projections. Also inherent in the discounted cash flow valuation models are past performance, projections and assumptions in current operating plans and revenue growth. These assumptions contemplate business, market and overall economic conditions. In connection with this process, the independent appraiser also provided a reconciliation of the estimated aggregate fair values of the Company’s reporting units to its market capitalization, including consideration of a control premium that represents what an investor would pay for the Company’s equity securities to obtain a controlling interest. The Company believes that this reconciliation is consistent with a market participant perspective. The Company tests trade names with indefinite lives for impairment by comparing the book value to a fair value calculated using a discounted cash flow approach on a presumed royalty rate derived from the revenues related to the trade name.

Other factors that are considered important in determining whether an impairment of goodwill or indefinite lived intangible assets might exist include significant continued underperformance compared to peers, significant changes in the Company’s business and products, material and ongoing negative industry or economic trends, or other factors specific to each asset being evaluated. Any changes in key assumptions about the Company’s business and its prospects, or changes in market conditions or other externalities, could result in an impairment charge and such a charge could have a material adverse effect on the Company’s financial condition and results of operations.

The Company performed its annual impairment test as of December 31, 2013 and determined that the fair values of both the Branch Lending and Direct Credit reporting units did not exceed their respective carrying amounts. The Company believes that certain factors reflect the recent declines in the calculated fair values of its Branch Lending and Direct Credit reporting units. These factors include, (i) a significant decline in the Company’s market capitalization during fourth quarter as the stock price declined by 22% (primarily due to the suspension of the regular quarterly dividend in November 2013), (ii) recent underperformance compared to peers, (iii) historically high loss ratios on its loan portfolios during fourth quarter 2013 and (iv) a decline in estimated cash flow projections for future periods. In connection with its annual budgeting and strategic planning process performed in the fourth quarter of 2013 and the review of its 2013 financial results, the Company assessed its existing revenue growth opportunities and cost structure (primarily expected loss ratios) for future periods. As a result, the Company reduced its short term and long term revenue and gross profit forecasts from previous estimates which affected the fair value calculated for each reporting unit.

The Company hired an independent appraiser to assist with the second step of the impairment test. For the year ended December 31, 2013, the Company recorded a $21.4 million non-cash impairment charge to goodwill, which included $15.7 million to its Branch Lending reporting unit and $5.7 million to its Direct Credit reporting unit. In addition, the Company performed an impairment test on its indefinite lived intangible assets as of December 31, 2013 and determined that the indefinite lived intangibles of its Direct Credit reporting unit were impaired and as a result, the Company recorded a non-cash impairment charge of $669,000. See additional information in Note 10.

Impairment of Long-Lived Assets

Impairment of Long-Lived Assets. The Company evaluates all long-lived assets, including intangible assets that are subject to amortization, for impairment whenever events or changes in circumstances indicate that the carrying amounts may not be recoverable. When the carrying amounts of these assets cannot be recovered by the undiscounted net cash flows they will generate, impairment is recognized in an amount by which the carrying amount of the assets exceeds the fair value.

Earnings Per Share

Earnings per Share. The Company computes basic and diluted earnings per share using a two-class method because the Company has participating securities in the form of unvested share-based payment awards with rights to receive non-forfeitable dividends. Basic and diluted earnings per share are computed by dividing income available to common stockholders by the weighted average number of common shares outstanding during the year. The computation of diluted earnings per share gives effect to all dilutive potential common shares that were outstanding during the year. The effect of stock options and unvested restricted stock represent the only differences between the weighted average shares used for the basic earnings per share computation compared to the diluted earnings per share computation for each period presented. See additional information in Note 16.

Stock-Based Compensation

Stock-Based Compensation. The Company recognizes in its financial statements compensation cost relating to share-based payment transactions. The stock-based compensation expense is recognized as expense over the requisite service period, which is the vesting period. See additional information in Note 17.

Income Taxes

Income Taxes. Deferred income taxes are recorded to reflect the tax consequences in future years of differences between the tax basis of assets and liabilities and their financial reporting amounts, based on enacted tax laws and statutory tax rates applicable to the periods in which the differences are expected to affect taxable income. Valuation allowances are established when necessary to reduce deferred tax assets to the amounts expected to be realized. Income tax expense represents the tax payable for the current period and the change during the period in deferred tax assets and liabilities.

Tax guidance pertaining to uncertain tax positions issued by the Financial Accounting Standards Board (FASB) clarifies what criteria must be met prior to recognition of the financial statement benefit of a position taken or one that is expected to be taken in a tax return. The provisions of this guidance apply broadly to all tax positions taken by a company, including decisions to not report income in a tax return or to classify a transaction as tax exempt. The prescribed approach is determined through a two-step benefit recognition model. The amount of benefit to recognize is measured as the largest amount of tax benefit that is greater than 50 percent likely of being ultimately realized upon settlement. The tax position must be derecognized when it is no longer more likely than not of being sustained. See additional information in Note 14.

Treasury Stock

Treasury Stock. The Company’s board of directors periodically authorizes the repurchase of the Company’s common stock. The Company’s repurchases of common stock are recorded as treasury stock and result in a reduction of stockholders’ equity. The shares held in treasury stock may be used for corporate purposes, including shares issued to employees as part of the Company’s stock-based compensation programs. When treasury shares are reissued, the Company uses the average cost method. The Company had 3.5 million and 3.3 million shares of common stock held in treasury at December 31, 2012 and 2013, respectively.

Fair Value of Financial Instruments

Fair Value of Financial Instruments. The fair value of short-term payday, title, installment loans and open-end credit receivables, borrowings under the credit facility, accounts payable and certain other current liabilities that are short-term in nature approximates carrying value.

The Company estimates the fair value of long-term debt based upon borrowing rates available at the reporting date for indebtedness with similar terms and average maturities. As of December 31, 2012, the three-year term loan was paid in full. In November 2013, the Company entered into an amendment to its credit agreement to convert $9.0 million outstanding under its revolving credit agreement to a term loan to be repaid in four quarterly installments beginning December 2013 (as discussed in Note 11). The balance of the $9.0 million term loan was $4.5 million as of December 31, 2013. The fair value of the term loan at December 31, 2013 approximates the carrying amount. The fair value of the subordinated notes as of December 31, 2012 and 2013 approximated the carrying value.

Derivative Instruments

Derivative Instruments. The Company does not engage in the trading of derivative financial instruments except where the Company’s objective is to manage the variability of forecasted interest payments attributable to changes in interest rates. In general, the Company enters into derivative transactions in limited situations based on management’s assessment of current market conditions and perceived risks.

On March 31, 2008, the Company entered into an interest rate swap agreement. The swap agreement was designated as a cash flow hedge and changed the floating rate interest obligation associated with the Company’s $50 million term loan into a fixed rate. Gains or losses on derivatives designated as cash flow hedges, to the extent they are effective, are recorded in other comprehensive income, and subsequently reclassified to earnings as interest expense to offset the impact of the hedged items when they occur. If it becomes probable the forecasted transaction to which a cash flow hedge relates will not occur, the derivative would be terminated and the amount in other comprehensive income would generally be recognized into earnings. The swap agreement had a maturity date of December 6, 2012. Under the swap, the Company paid a fixed interest rate of 3.43% and received interest at a rate of LIBOR. On October 3, 2011, the Company terminated the swap agreement. Prior to refinancing the term debt on September 30, 2011 that was associated with the swap, the swap was considered highly effective and therefore, the Company reported no net gain or loss during the year ended December 31, 2011. In connection with the termination of the swap agreement, the Company paid a net cash settlement of approximately $343,000. The Company’s remaining amounts deferred in accumulated other comprehensive loss were amortized into earnings as an increase to interest expense over the original term of the hedged transaction.

Foreign Currency Transactions

Foreign Currency Translations. The functional currency for the Company’s subsidiaries that serve residents of Canada is the Canadian dollar. The assets and liabilities of these subsidiaries are translated into U.S. dollars at the exchange rates in effect at each balance sheet date, and the resulting adjustments are recorded in “Accumulated other comprehensive income (loss)” as a separate component of equity. Revenue and expenses will be translated at the monthly average exchange rates occurring during each period.

DESCRIPTION_OF_THE_BUSINESS_Ta

DESCRIPTION OF THE BUSINESS (Tables)	12 Months Ended
DESCRIPTION OF THE BUSINESS (Tables)	Dec. 31, 2013
Accounting Policies [Abstract]	'
Summary of Average Principal Amount in Each Type of Installment Loan Product	'
	The following table summarizes the average principal amount of each type of installment loan product originated during 2011, 2012 and 2013:


		Year Ended December 31,
		2011		2012		2013
	Branch-Based	$	514	$	537	$	593
	Signature				1,725		1,834
	Auto Equity				3,188		3,300

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	Dec. 31, 2013
Accounting Policies [Abstract]	'
Components of Other Revenues	'
	The components of “Other” revenues as reported in the Consolidated Statements of Income are as follows (in thousands):


		Year Ended December 31,
		2011		2012		2013
	Credit service fees	$	7,194	$	6,731	$	6,192
	Check cashing fees		3,353		2,887		2,594
	Title loan fees		4,552		2,678		789
	Open-end credit fees		8		528		1,861
	Other fees		2,227		2,299		2,255

	Total	$	17,334	$	15,123	$	13,691

Summary of Certain Data with Respect to Company's Payday Loans	'
	The following table summarizes certain data with respect to the Company’s payday loans:


		Year Ended December 31,
		2011		2012		2013
	Average amount of cash provided to customer	$	314.56	$	320.48	$	323.91
	Average fee received by the Company	$	56.65	$	57.67	$	59.23
	Average term of loan (days)		17		18		18
Cash Received from Sale of Payday Loan Receivables	'
	The following table summarizes cash received from the sale of these payday loan receivables (in thousands):


		Year Ended December 31,
		2011		2012		2013
	Cash received from sale of payday loan receivables	$	472	$	685	$	540

SIGNIFICANT_BUSINESS_TRANSACTI1

SIGNIFICANT BUSINESS TRANSACTIONS (Tables)	12 Months Ended
SIGNIFICANT BUSINESS TRANSACTIONS (Tables)	Dec. 31, 2013
Text Block [Abstract]	'
Accrued Exit Costs Associated with Restructuring and Closure of Branches and Activity Related Charges	'

	The following table summarizes the accrued exit costs associated with the restructuring and the closure of branches discussed above, and the activity related to those charges as of December 31, 2013 (in thousands):



		Balance at		Additions		Reductions			Balance at
		December 31,							December 31,
		2012							2013

	Lease and related occupancy costs	$	54	$	513	$	(509	)	$	58

	Severance				827		(827	)
	Other				11		(11	)

	Total	$	54	$	1,351	$	(1,347	)	$	58

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
FAIR VALUE MEASUREMENTS (Tables)	Dec. 31, 2013
Fair Value Disclosures [Abstract]	'
Fair Value Measurements of Certain Assets on Non-Recurring Basis	'

	The following table presents fair value measurements of certain assets on a non-recurring basis as of December 31, 2013 (in thousands):



		Fair Value Measurements						Total
		Fair Value Measurements						gains
		Level 1		Level 2		Level 3		(losses)
	Goodwill impairment for Branch Lending and Direct Credit	$	—	$	—	$	—	$	(21,386	)
	Indefinite lived intangible asset impairment for Direct Credit						692		(669	)
	Impaired fixed assets								(244	)

	Total	$	—	$	—	$	692	$	(22,229	)




	The following table presents fair value measurements of certain assets on a non-recurring basis as of December 31, 2012 (in thousands):



		Fair Value Measurements						Total
		Fair Value Measurements						gains
		Level 1		Level 2		Level 3		(losses)
	Goodwill for Direct Credit	$	—	$	—	$	6,107	$	(1,730	)
	Trade Name – ECA								(600	)
	Impaired fixed assets								(257	)

	Total	$	—	$	—	$	6,107	$	(2,587	)

DISCONTINUED_OPERATIONS_Tables

DISCONTINUED OPERATIONS (Tables)	12 Months Ended
DISCONTINUED OPERATIONS (Tables)	Dec. 31, 2013
Discontinued Operations And Disposal Groups [Abstract]	'
Financial Information for Discontinued Operations	'

	Summarized financial information for discontinued operations is presented below (in thousands):



			Year Ended December 31,
			2011			2012			2013
	Total revenues		$	43,593		$	40,740		$	25,002
	Provision for losses (a)			13,601			13,541			9,724
	Other expenses			30,582			28,081			19,086

	Gross loss			(590	)		(882	)		(3,808	)
	Other, net (b)			(1,937	)		(4,355	)		(3,205	)

	Loss before income taxes			(2,527	)		(5,237	)		(7,013	)
	Income tax benefit			(970	)		(1,933	)		(2,483	)

	Loss from discontinued operations		$	(1,557	)	$	(3,304	)	$	(4,530	)



	(a)	In 2013, the provision for loss amount includes $6.2 million from the discontinued automobile business.
	(b)	In 2013, other, net includes a $679,000 impairment charge to goodwill and intangible assets.
Components of Assets and Liabilities Classified as Discontinued Operations	'

	As of December 31, 2012, the components of assets and liabilities classified as discontinued operations consisted of the following (in thousands):



			December 31,
			2012
	Current assets:
	Loans receivable, net		$	757
	Inventory			1,341
	Prepaid expenses and other current assets			61

	Total current assets of discontinued operations		$	2,159




			December 31,
			2012
	Non-current assets:
	Loans receivable, net		$	715
	Property and equipment, net			196
	Goodwill			672
	Intangible assets, net			29
	Other, net			16

	Total non-current assets of discontinued operations		$	1,628




			December 31,
			2012
	Current liabilities:
	Accounts payable		$	32
	Accrued expenses and other current liabilities			1,159
	Accrued compensation and benefits			51
	Deferred revenue			26

	Total current liabilities of discontinued operations		$	1,268

SEGMENT_INFORMATION_Tables

SEGMENT INFORMATION (Tables)	12 Months Ended
SEGMENT INFORMATION (Tables)	Dec. 31, 2013
Segment Reporting [Abstract]	'
Summarized Financial Information for Company's Segments	'

	The following tables present summarized financial information for the Company’s segments (in thousands):



			Year Ended December 31, 2013
			Branch			Centralized			E-Lending			Consolidated
			Lending			Lending			E-Lending			Total
	Total revenues		$	133,199		$	11,556		$	7,227		$	151,982
	Provision for losses			32,520			8,658			3,271			44,449
	Other expenses			59,135			1,426			3,385			63,946

	Gross profit			41,544			1,472			571			43,587
	Impairment of goodwill and intangible assets			(15,684	)					(6,371	)		(22,055	)
	Other, net (a)			(27,439	)		(1,843	)		(3,343	)		(32,625	)

	Loss from continuing operations before taxes		$	(1,579	)	$	(371	)	$	(9,143	)	$	(11,093	)




			Year Ended December 31, 2012
			Branch			Centralized			E-Lending			Consolidated
			Lending			Lending			E-Lending			Total
	Total revenues		$	137,704		$	3,087		$	8,068		$	148,859
	Provision for losses			28,009			1,854			2,804			32,667
	Other expenses			59,128			652			3,420			63,200

	Gross profit			50,567			581			1,844			52,992
	Impairment of goodwill and intangible assets			(600	)					(1,730	)		(2,330	)
	Other, net (a)			(33,677	)		(481	)		(1,875	)		(36,033	)

	Income (loss) from continuing operations before taxes		$	16,290		$	100		$	(1,761	)	$	14,629




			Year Ended December 31, 2011
			Branch			Centralized			E-Lending			Consolidated
			Lending			Lending			E-Lending			Total
	Total revenues		$	143,954		$	—		$	1,903		$	145,857
	Provision for losses			27,108						565			27,673
	Other expenses			57,997						644			58,641

	Gross profit			58,849						694			59,543
	Other, net (a)			(40,264	)					(492	)		(40,756	)

	Income from continuing operations before taxes		$	18,585		$	—		$	202		$	18,787



	(a)	Represents expenses not associated with operations, which includes regional expenses, corporate expenses, depreciation and amortization, interest, other income and other expenses. Corporate expenses are allocated to each reporting segment based on each reporting unit’s percentage of revenues. For the year ended December 31, 2012, the E-Lending segment includes a gain of $1.1 million for the reduction in the contingent consideration liability.
Information Concerning Total Assets by Reporting Segment	'

	Information concerning total assets by reporting segment is as follows (in thousands):



			December 31,
			2012			2013
	Branch Lending		$	113,286		$	90,141
	Centralized Lending			4,997			11,495
	E-Lending			13,417			6,468

	Balance at end of year		$	131,700		$	108,104

CUSTOMER_RECEIVABLES_AND_ALLOW1

CUSTOMER RECEIVABLES AND ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
CUSTOMER RECEIVABLES AND ALLOWANCE FOR LOAN LOSSES (Tables)	Dec. 31, 2013
Receivables [Abstract]	'
Summary of Customer Receivables	'
	Customer receivables consisted of the following (in thousands):


		Payday			Installment			Other			Total
		and Title			Loans
		Loans
	December 31, 2013:

	Current portion:
	Total loans, interest and fees receivable	$	42,813		$	17,470		$	5,338		$	65,621
	Less: allowance for losses		(2,867	)		(3,921	)		(1,484	)		(8,272	)

	Loans, interest and fees receivable, net	$	39,946		$	13,549		$	3,854		$	57,349


	Non-current portion:
	Total loans, interest and fees receivable	$	—		$	8,503		$	—		$	8,503
	Less: allowance for losses					(2,171	)					(2,171	)

	Loans, interest and fees receivable, net	$	—		$	6,332		$	—		$	6,332




		Payday			Installment			Other			Total
		and Title			Loans
		Loans
	December 31, 2012:

	Current portion:
	Total loans, interest and fees receivable	$	50,772		$	14,642		$	1,656		$	67,070
	Less: allowance for losses		(3,211	)		(2,997	)		(400	)		(6,608	)

	Loans, interest and fees receivable, net	$	47,561		$	11,645		$	1,256		$	60,462


	Non-current portion:
	Total loans, interest and fees receivable	$	—		$	2,114		$	—		$	2,114
	Less: allowance for losses					(437	)					(437	)

	Loans, interest and fees receivable, net	$	—		$	1,677		$	—		$	1,677

Summary of Allowance for Loan Losses	'

	The following table summarizes the activity in the allowance for loan losses (in thousands):



		Year Ended December 31,
		2011			2012			2013
	Balance, beginning of year	$	3,410		$	3,908		$	7,045
	Charge-offs		(64,283	)		(65,378	)		(75,572	)
	Recoveries		32,092			30,398			34,607
	Effect of foreign currency translation					2			(4	)
	Provision for losses		32,689			38,115			44,367

	Balance, end of year	$	3,908		$	7,045		$	10,443

Summary of Customer Receivables	'

	The following table summarizes the activity in the allowance for loan losses by product type during the years ended December 31, 2012 and 2013 (in thousands):



		Year Ended December 31, 2013
		Payday			Installment			Other			Total
		and Title			Loans
		Loans
	Balance, beginning of year	$	3,211		$	3,435		$	399		$	7,045
	Charge-offs		(57,107	)		(17,056	)		(1,409	)		(75,572	)
	Recoveries		32,005			2,418			184			34,607
	Effect of foreign currency translation								(4	)		(4	)
	Provision for losses		24,758			17,295			2,314			44,367

	Balance, end of year	$	2,867		$	6,092		$	1,484		$	10,443


		Year Ended December 31, 2012
		Payday			Installment			Other			Total
		and Title			Loans
		Loans
	Balance, beginning of year	$	1,548		$	2,260		$	100		$	3,908
	Charge-offs		(51,949	)		(12,549	)		(880	)		(65,378	)
	Recoveries		27,951			2,175			272			30,398
	Effect of foreign currency translation								2			2
	Provision for losses		25,661			11,549			905			38,115

	Balance, end of year	$	3,211		$	3,435		$	399		$	7,045

PROPERTY_AND_EQUIPMENT_Tables

PROPERTY AND EQUIPMENT (Tables)	12 Months Ended
PROPERTY AND EQUIPMENT (Tables)	Dec. 31, 2013
Property Plant And Equipment [Abstract]	'
Components of Property and Equipment	'

	Property and equipment consisted of the following (in thousands):



		December 31,
		2012			2013
	Buildings	$	3,262		$	3,262
	Leasehold improvements		18,263			18,403
	Furniture and equipment		21,730			22,959
	Land		512			512
	Vehicles		1,014			966

			44,781			46,102
	Less: Accumulated depreciation and amortization		(33,571	)		(35,772	)

	Total	$	11,210		$	10,330

GOODWILL_AND_INTANGIBLE_ASSETS1

GOODWILL AND INTANGIBLE ASSETS (Tables)	12 Months Ended
GOODWILL AND INTANGIBLE ASSETS (Tables)	Dec. 31, 2013
Goodwill And Intangible Assets Disclosure [Abstract]	'
Summary of Reportable Segment Changes in Carrying Value of Goodwill	'

	The following table summarizes by reportable segment the changes in the carrying amount of goodwill for the years ended December 31, 2012 and 2013 (in thousands):



		Branch			E-Lending			Total
		Lending			E-Lending			Total
	Balances as of December 31, 2011	$	15,684		$	7,602		$	23,286
	Impairment					(1,730	)		(1,730	)
	Effect of foreign currency translation					235			235

	Balances as of December 31, 2012		15,684			6,107			21,791
	Impairment		(15,684	)		(5,702	)		(21,386	)
	Effect of foreign currency translation					(405	)		(405	)

	Balances as of December 31, 2013	$	—		$	—		$	—

Summary of Intangible Assets	'

	The following table summarizes intangible assets (in thousands):



		December 31,
		2012			2013
	Non-amortized intangible assets:
	Trade names	$	1,456		$	692

	Amortized intangible assets:
	Customer relationships	$	2,603		$	2,603
	Non-compete agreements		210
	Debt issue costs		1,291			1,413

	Gross carrying amount		4,104			4,016
	Effect of foreign currency translation		77			2
	Less: Accumulated amortization		(2,010	)		(3,150	)

			2,171			868

	Total intangible assets, net	$	3,627		$	1,560

INDEBTEDNESS_Tables

INDEBTEDNESS (Tables)	12 Months Ended
INDEBTEDNESS (Tables)	Dec. 31, 2013
Debt Disclosure [Abstract]	'
Summary of Long-Term Debt	'

	The following table summarizes long-term debt at December 31, 2012 and 2013 (in thousands):



		December 31,
		2012			2013
	Term loan	$	—		$	4,500
	Revolving credit facility		25,000			16,300

	Total debt		25,000			20,800
	Less: debt due within one year		(25,000	)		(20,800	)

	Total non-current debt	$	—		$	—

Summary of Future Principal Payments	'

	The following table summarizes future principal payments of indebtedness at December 31, 2013 (in thousands):



		December 31,
		2013
	2014	$	20,800
	2015		3,282

	Total	$	24,082

DERIVATIVES_Tables

DERIVATIVES (Tables)	12 Months Ended
DERIVATIVES (Tables)	Dec. 31, 2013
Derivative Instruments And Hedging Activities Disclosure [Abstract]	'
Gains (Losses) Recognized in Other Comprehensive Income Related to Interest Rate Swap Agreement	'

	The following table summarizes the gains (losses) recognized in Other Comprehensive Income related to the interest rate swap agreement for the years ended December 31, 2011, 2012 and 2013 (in thousands):



		Gain (Loss) Recognized in OCI
		Year Ended December 31,
	Derivatives Designated as Hedging Instruments	2011			2012		2013
	Cash flow hedges:
	Loss recognized in other comprehensive income	$	(59	)	$	—	$	—
	Amount reclassified from accumulated other comprehensive income to interest expense		578			275

	Total	$	519		$	275	$	—

CREDIT_SERVICES_ORGANIZATION_T

CREDIT SERVICES ORGANIZATION (Tables)	12 Months Ended
CREDIT SERVICES ORGANIZATION (Tables)	Dec. 31, 2013
Text Block [Abstract]	'
Summary of Activity in Liability for CSO Loan Losses	'
	The following table summarizes the activity in the liability for CSO loan losses during the years ended December 31, 2011, 2012 and 2013 (in thousands):


		Year Ended December 31,
	CSO liability:	2011			2012			2013
	Balance, beginning of year	$	100		$	90		$	100
	Charge-offs		(3,462	)		(3,224	)		(3,448	)
	Recoveries		830			889			719
	Provision for losses		2,622			2,345			3,614

	Balance, end of year	$	90		$	100		$	985

INCOME_TAXES_Tables

INCOME TAXES (Tables)	12 Months Ended
INCOME TAXES (Tables)	Dec. 31, 2013
Income Tax Disclosure [Abstract]	'
Summary of Provision (benefit) for Income Taxes from Continuing Operations	'

	The Company’s provision (benefit) for income taxes from continuing operations is summarized as follows (in thousands):



		Year Ended December 31,
		2011			2012			2013
	Current:
	Federal	$	7,889		$	1,088		$	341
	State		1,028			100			146
	Foreign		150			196			480

	Total Current		9,067			1,384			967

	Deferred:
	Federal		(1,696	)		4,131			(1,616	)
	State		(228	)		556			(217	)
	Foreign		(81	)		(119	)		(764	)

	Total Deferred		(2,005	)		4,568			(2,597	)

	Total provision (benefit) for income taxes	$	7,062		$	5,952		$	(1,630	)

	Income (loss) from continuing operations:
	Domestic	$	18,585		$	14,893		$	(4,052	)
	Foreign		202			(264	)		(7,041	)

	Income (loss) from continuing operations before income taxes	$	18,787		$	14,629		$	(11,093	)

Summary of Deferred Income Tax Assets Liabilities	'
	The sources of deferred income tax assets (liabilities) are summarized as follows (in thousands):



		December 31,
		2012			2013
	Deferred tax assets related to:
	Allowance for loan losses	$	6,150		$	7,419
	Accrued rent		892			666
	Accrued vacation		456			372
	Stock-based compensation		2,419			2,301
	Unused state tax credits		861			1,054
	Book reserves		935			458
	Deferred compensation		1,309			1,413
	Accrued legal		57			142
	Foreign net operating loss carry-forwards		111			379
	Goodwill and intangible assets					2,895
	Other					443

	Total gross deferred tax assets		13,190			17,542
	Less: valuation allowance		(861	)		(1,054	)

	Net deferred tax assets		12,329			16,488


	Deferred tax liabilities related to:
	Property and equipment		(169	)		(96	)
	Loans receivable, tax value		(6,069	)		(7,538	)
	Goodwill and intangibles		(3,013	)
	Prepaid assets		(444	)		(275	)
	Other		(75	)

	Gross deferred tax liabilities		(9,770	)		(7,909	)

	Net deferred tax asset	$	2,559		$	8,579

Differences Between Company's Effective Income Tax Rate	'

	Differences between the Company’s effective income tax rate computed for income (loss) from continuing operations and the statutory federal income tax rate are as follows (in thousands):



		Year Ended December 31,
		2011			2012			2013
	Income tax expense (benefit) using the statutory federal rate in effect	$	6,575		$	5,120		$	(3,883	)
	Tax effect of:
	State and local income taxes, net		520			427			(47	)
	Goodwill impairment					604			1,998
	Contingent consideration					(395	)
	Non-taxable insurance policy proceeds					(259	)
	Section 162(m) limitation					142
	Other		(33	)		313			302

	Total provision (benefit) for income taxes	$	7,062		$	5,952		$	(1,630	)


	Effective tax rate		37.6	%		40.7	%		(14.7	)%
	Statutory federal tax rate		35	%		35	%		35	%
Summary of Total Amount of Unrecognized Tax Benefits	'

	A summary of the total amount of unrecognized tax benefits for the years ended December 31, 2012 and 2013 is as follows (in thousands):



		December 31,
		2012			2013
	Balance at beginning of year	$	193		$	123
	Additions for tax positions taken during prior years		1
	Additions for tax positions taken during the current year		2			78
	Reductions for tax positions taken during prior years		(63	)		(1	)
	Lapse of statute of limitations		(10	)		(10	)

	Balance at end of year	$	123		$	190

Tax Years Subject to Examination	'

	The following table outlines the tax years that generally remain subject to examination as of December 31, 2013:



		Federal		State and
		Federal		Foreign

	Statute remains open	2010-2013		2009-2013
	Tax years currently under examination	N/A		N/A

STOCKHOLDERS_EQUITY_Tables

STOCKHOLDERS' EQUITY (Tables)	12 Months Ended
STOCKHOLDERS' EQUITY (Tables)	Dec. 31, 2013
Equity [Abstract]	'
Computations of Basic and Diluted Earnings Per Share	'

	The following table presents the computations of basic and diluted earnings per share for the periods presented (in thousands, except per share data):



		Year Ended December 31,
		2011			2012			2013
	Income (loss) from continuing operations	$	11,725		$	8,677		$	(9,463	)
	Loss from discontinued operations available to common stockholders		(1,557	)		(3,304	)		(4,530	)

	Income (loss) available to common stockholders	$	10,168		$	5,373		$	(13,993	)


	Weighted average basic common shares outstanding		17,027			17,169			17,370
	Incremental shares from assumed conversion of stock options, unvested restricted shares and unvested performance-based shares		83			57


	Weighted average diluted common shares outstanding		17,110			17,226			17,370


	Earnings (loss) per share
	Basic
	Continuing operations	$	0.66		$	0.49		$	(0.53	)
	Discontinued operations		(0.09	)		(0.19	)		(0.26	)

	Net income (loss)	$	0.57		$	0.3		$	(0.79	)


	Diluted
	Continuing operations	$	0.66		$	0.49		$	(0.53	)
	Discontinued operations		(0.09	)		(0.19	)		(0.26	)

	Net income (loss)	$	0.57		$	0.3		$	(0.79	)

STOCKBASED_COMPENSATION_Tables

STOCK-BASED COMPENSATION (Tables)	12 Months Ended
STOCK-BASED COMPENSATION (Tables)	Dec. 31, 2013
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract]	'
Summary of Stock-Based Compensation Expense	'

	The following table summarizes the stock-based compensation expense reported in net income (loss) for the years ended December 31, 2011, 2012 and 2013 (in thousands):



		Year Ended December 31,
		2011			2012			2013
	Employee stock-based compensation:
	Stock options	$	386		$	213		$	17
	Restricted stock awards		1,609			1,355			987

			1,995			1,568			1,004
	Non-employee director stock-based compensation:
	Restricted stock awards		183			181			188

	Total stock-based compensation	$	2,178		$	1,749		$	1,192

Summary of Stock Option Activity	'

	A summary of all stock option activity under the equity compensation plans for the year ended December 31, 2013 is as follows:



		Options			Weighted			Weighted Average		Aggregate
					Average			Remaining		Intrinsic Value
					Exercise Price			Contractual Term
								(years)
										(in thousands)

	Outstanding, January 1, 2013		2,639,536		$	9.91
	Exercised
	Forfeited		(96,784	)		11.8


	Outstanding, December 31, 2013		2,542,752		$	9.84			2.4	$	—


	Exercisable, December 31, 2013		2,542,752		$	9.84			2.4	$	—



Summary Information of Options Outstanding and Exercisable	'
	The following table summarizes information about options outstanding and exercisable at December 31, 2013:


		Options Outstanding								Options Exercisable
	Exercise Price	Number			Weighted Average			Weighted		Number		Weighted
		Outstanding			Remaining			Average		Exercisable		Average
					Contractual Life of			Exercise Price				Exercise Price
					Outstanding
					(in years)
	$ 1 to $ 5		525,492			5.1		$	4.39		525,492	$	4.39
	$ 5 to $10		780,902			2			9.47		780,902		9.47
	$10 to $15		1,173,508			1.4			12.24		1,173,508		12.24
	$15 to $20		62,850			1			15.07		62,850		15.07

			2,542,752			2.4		$	9.84		2,542,752	$	9.84

Restricted Stock Activity Under the Equity Compensation Plans	'
	A summary of all restricted stock activity under the equity compensation plans for the year ended December 31, 2013 is as follows:


		Restricted			Weighted
		Stock			Average Grant
					Date Fair Value
	Nonvested balance, January 1, 2013		603,991		$	4.55
	Granted		55,020			3.41
	Vested		(343,802	)		4.43
	Forfeited		(262	)		4.39

	Nonvested balance, December 31, 2013		314,947		$	4.49

Summary of Compensation Expense Reported in Net Income from Performance Units and RSU's	'

	The following table summarizes expense (income) reported in net income from Performance Units and RSU’s (in thousands):



		Year Ended
		December 31,
		2012			2013
	Performance Units	$	242		$	(159	)
	RSU’s		101			40

	Total	$	343		$	(119	)

COMMITMENTS_AND_CONTINGENCIES_

COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
COMMITMENTS AND CONTINGENCIES (Tables)	Dec. 31, 2013
Commitments And Contingencies Disclosure [Abstract]	'
Summary of Future Minimum Lease Payments	'
	The following table summarizes the future minimum lease payments as of December 31, 2013 (in thousands):


		Non-Cancelable		Reasonably		Total
				Assured
				Renewals
	2014	$	9,750	$	1,656	$	11,406
	2015		6,151		3,742		9,893
	2016		3,140		5,527		8,667
	2017		1,523		6,096		7,619
	2018		384		5,709		6,093
	Thereafter		327		12,683		13,010

	Total	$	21,275	$	35,413	$	56,688

SUPPLEMENTAL_DISCLOSURES_OF_CA1

SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION (Tables)	12 Months Ended
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION (Tables)	Dec. 31, 2013
Supplemental Cash Flow Elements [Abstract]	'
Certain Cash Activities	'
	The following table sets forth certain cash activities for the years ended December 31, 2011, 2012 and 2013 (in thousands):


		Year Ended December 31,
		2011		2012		2013
	Cash paid during the year for:
	Income taxes	$	5,531	$	4,715	$	283
	Interest		2,036		2,220		1,267

Description_of_the_Business_Ad

Description of the Business - Additional Information (Detail) (USD $)	6 Months Ended	12 Months Ended
	Jun. 30, 2013	Dec. 31, 2013	Dec. 31, 2013	Dec. 31, 2013	Dec. 31, 2013	Dec. 31, 2013	Dec. 31, 2013	Sep. 30, 2011
	Branch	Branch	Buy here, pay here segment [Member]	Maximum [Member]	Minimum [Member]	QC Financial Services of California, Inc [Member]	Direct Credit Holdings, Inc [Member]	Direct Credit Holdings, Inc [Member]
Company And Significant Accounting Policies [Line Items]	'	'	'	'	'	'	'	'
Percentage of ownership in subsidiaries	'	'	'	'	'	100.00%	100.00%	100.00%
Number of years of incorporation of business	'	'29 years	'	'	'	'	'	'
Principal values of payday loans	'	'	'	$500	$100	'	'	'
Maturity of payday loans	'	'	'	'21 days	'14 days	'	'	'
Fee of payday loans per $100 borrowed	'	2	'	20	15	'	'	'
Loans borrowed by consumers	'	100	'	'	'	'	'	'
Number of branches operated	'	432	'	'	'	'	'	'
Number of branches scheduled to close	38	35	'	'	'	'	'	'
Term of monthly Installments in which loans are payable	'	'	'	'48 months	'4 months	'	'	'
Company advances under an Installment loan	'	'	'	3,000	400	'	'	'
Sale of company business	'	'	$6,000,000	'	'	'	'	'

Description_of_Business_Summar

Description of Business - Summary of Average Principal Amount in Each Type of Installment Loan Product (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Branch Based [Member]	'	'	'
Company And Significant Accounting Policies [Line Items]	'	'	'
Average principal amount	$593	$537	$514
Signature [Member]	'	'	'
Company And Significant Accounting Policies [Line Items]	'	'	'
Average principal amount	1,834	1,725	'
Auto Equity [Member]	'	'	'
Company And Significant Accounting Policies [Line Items]	'	'	'
Average principal amount	$3,300	$3,188	'

Recovered_Sheet1

Summary of Significant Accounting Policies - Additional Information (Detail) (USD $)

6 Months Ended

9 Months Ended

12 Months Ended

Share data in Millions, unless otherwise specified

Jun. 30, 2013

Sep. 30, 2013

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Mar. 31, 2008

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Branch

Common stock [Member]

Interest rate swaps [Member]

Five Year Term Loan [Member]

Three Year Term Loan [Member]

Buildings [Member]

Leasehold improvements [Member]

Branch Lending [Member]

Direct Credit Holdings, Inc [Member]

Payday and Title Loans [Member]

Installment Loans [Member]

Minimum [Member]

Maximum [Member]

Segment

Installment

Branch

Leasehold improvements [Member]

Furniture And Equipment [Member]

Vehicles [Member]

Leasehold improvements [Member]

Furniture And Equipment [Member]

Vehicles [Member]

Accounting Policies [Line Items]

Term of payday loan

'14 days

'21 days

Term of title loan

'30 days

Loan grace period

'25 days

Maximum maturity period of cash and cash equivalent

'Three months or less

Maximum number of days after which accrued fees, interest and outstanding principal, charged-off as uncollectible

'14 days

Payday loan receivable period maximum

'30 days

Additional fees or interest are charged after the loan has defaulted

Company stops accruing interest on installment loans, minimum days

'60 days

Company stops accruing interest on Installment loans, maximum days

'90 days

Change in the loss/volume ratio from the last month of each reporting period

'3 years

Number of branches scheduled to close

Financing receivable allowance for credit losses, qualitative adjustment

1,000,000

1,300,000

262,000

344,000

Trailing average of charge-offs to total volume

'6 months

Term of depreciation of leasehold improvements

'39 years

'7 years

'1 year

'3 years

'4 years

'15 years

'7 years

'5 years

Cost of development of internal use software

1,000,000

1,300,000

Advertising Expense

3,000,000

3,400,000

1,900,000

Company reporting units

Percentage decline in cash flow projections

22.00%

Non cash impairment charge to goodwill

21,400,000

1,700,000

15,700,000

5,700,000

Indefinite lived intangible assets impairment loss

8,000

669,000

600,000

669,000

Largest amount of tax benefit

'Greater than 50 percent

Number of common shares held in treasury

3.3

3.5

Conversion of revolving credit agreement to a term loan

9,000,000

Total debt

4,500,000

Term of Long Term Debt

'3 years

Number of installments

Total debt

20,800,000

25,000,000

50,000,000

Swap agreement, interest rate

3.43%

Net Cash Paid upon Settlement

343,000

Swap agreement maturity date

6-Dec-12

Gain or loss during the year

Recovered_Sheet2

Summary of Significant Accounting Policies - Components of Other Revenues (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Schedule Of Components Of Other Revenues [Line Items]	'	'	'
Other	$13,691	$15,123	$17,334
Credit service fees [Member]	'	'	'
Schedule Of Components Of Other Revenues [Line Items]	'	'	'
Other	6,192	6,731	7,194
Check cashing fees [Member]	'	'	'
Schedule Of Components Of Other Revenues [Line Items]	'	'	'
Other	2,594	2,887	3,353
Title loan fees [Member]	'	'	'
Schedule Of Components Of Other Revenues [Line Items]	'	'	'
Other	789	2,678	4,552
Open-end credit fees [Member]	'	'	'
Schedule Of Components Of Other Revenues [Line Items]	'	'	'
Other	1,861	528	8
Other fees [Member]	'	'	'
Schedule Of Components Of Other Revenues [Line Items]	'	'	'
Other	$2,255	$2,299	$2,227

Recovered_Sheet3

Summary of Significant Accounting Policies - Summary of Certain Data with Respect to Company's Payday Loans (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Summary Of Certain Data With Respect To Pay Day Loans [Abstract]	'	'	'
Average amount of cash provided to customer	$323.91	$320.48	$314.56
Average fee received by the Company	$59.23	$57.67	$56.65
Average term of loan (days)	'18 days	'18 days	'17 days

Summary_of_Significant_Account3

Summary of Significant Accounting Policies - Cash Received from Sale of Payday Loan Receivables (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Cash Received From Sale Of Payday Loan Receivables [Abstract]	'	'	'
Cash received from sale of payday loan receivables	$540	$685	$472

Recovered_Sheet4

Significant Business Transactions - Additional Information (Detail) (USD $)

1 Months Ended

6 Months Ended

12 Months Ended

6 Months Ended

12 Months Ended

0 Months Ended

1 Months Ended

12 Months Ended

Dec. 31, 2012

Jun. 30, 2013

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Sep. 30, 2013

Jan. 31, 2012

Jun. 30, 2013

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Sep. 30, 2011

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Jan. 31, 2012

Transactions

Branch

Restructuring [Member]

Maximum [Member]

Minimum [Member]

Direct Credit Holdings, Inc [Member]

Automotive Loans [Member]

Branch

Location

Branch

Restructuring [Member]

Noncontrolling Interest [Line Items]

Sale of automotive business

$6,000,000

Number of location leased

Period of obligation guaranteed by the company

'12 months

The aggregate rental obligation under the lease during the guaranteed period

36,000

Percentage of work force reduced

10.00%

Number of branches scheduled to close

Pre-tax charges associated with closing of underperforming branches

1,200,000

298,000

Pre-tax charges included on loss for the disposition of fixed assets

257,000

Pre-tax charges included on other costs

41,000

Pre-tax charges included on lease and related occupancy costs

439,000

Pre-tax charges included on severance and benefit costs

32,000

795,000

Workforce reduction and related cost savings

2,500,000

3,000,000

Number of branches closed

Number of branches expected to be closed

Pre tax charges associated with closure of branches

364,000

699,000

553,000

Gain (loss) on disposition of assets

-247,000

-398,000

-283,000

Lease termination and other related occupancy costs

74,000

263,000

252,000

Other disposition cost

11,000

38,000

18,000

Number of branches consolidated

Accrued costs associated with closure of branches

58,000

Period to settle accrued costs associated with restructuring

'1 year

Cash proceeds from this sale of automobile receivables

11,900,000

Number of transactions completed related to automobile loan

Principal amount from sale of automobile loan receivables

17,200,000

Balance of recourse liability

350,000

Recourse period end date

9-May-13

Gain (loss) recorded as a result of recourse provision

-522,000

Net proceeds received to make prepayment

32,000,000

Amount of automobile loans transferred to unaffiliated company

16,100,000

Loss from sale of automobile receivables

2,600,000

307,000

Principal amount of loans transferred treated as secured borrowings

1,100,000

Outstanding balance on the secured borrowing

618,000

Collateralized receivables retained by third party to satisfy secured borrowing

156,000

Percentage of ownership in Direct Credit Holdings, Inc

100.00%

Aggregate initial consideration paid

11,535,000

12,400,000

Fair value of contingent consideration arrangement at acquisition date

1,100,000

Duration of Non-requirement of supplemental earn-out payment

'12 months

Reduction in contingent consideration liability

1,100,000

Fair value of the goodwill

7,600,000

Non-cash impairment charge to goodwill

$5,700,000

$1,700,000

Recovered_Sheet5

Significant Business Transactions - Accrued Exit Costs Associated with Restructuring and Closure of Branches and Activity Related Charges (Detail) (Closure of Business [Member], USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013
Restructuring Cost and Reserve [Line Items]	'
Restructuring Reserve, Beginning Balance	$54
Additions	1,351
Reductions	-1,347
Restructuring Reserve, Ending Balance	58
Lease and related occupancy costs [Member]	'
Restructuring Cost and Reserve [Line Items]	'
Restructuring Reserve, Beginning Balance	54
Additions	513
Reductions	-509
Restructuring Reserve, Ending Balance	58
Severance [Member]	'
Restructuring Cost and Reserve [Line Items]	'
Additions	827
Reductions	-827
Other [Member]	'
Restructuring Cost and Reserve [Line Items]	'
Additions	11
Reductions	($11)

Fair_Value_Measurements_Additi

Fair Value Measurements - Additional Information (Detail) (USD $)	6 Months Ended	9 Months Ended	12 Months Ended
	Jun. 30, 2013	Sep. 30, 2013	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
	Branch	Sep. 30, 2013	Branch	Branch	Dec. 31, 2011
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'	'	'	'
Recurring fair value measurement asset	'	'	$0	$0	'
Recurring fair value measurement liability	'	'	0	0	'
Non-cash impairment charge to goodwill	'	'	21,400,000	1,700,000	'
Impairment charge to reduce the value of the trade name intangible asset	'	8,000	669,000	600,000	0
Decision to close an additional branches in South Carolina	12	'	'	'	'
Impairment on impaired fixed assets	'	'	-244,000	-257,000	'
Number of branches of company scheduled to close	38	'	35	38	'
Branch Lending [Member]	'	'	'	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'	'	'	'
Non-cash impairment charge to goodwill	'	'	15,700,000	'	'
Direct Credit Holdings, Inc [Member]	'	'	'	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'	'	'	'
Non-cash impairment charge to goodwill	'	'	5,700,000	'	'
Impairment charge to reduce the value of the trade name intangible asset	'	'	669,000	'	'
Excess Tax Deductions [Member] \| Branch Lending [Member]	'	'	'	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'	'	'	'
Non-cash impairment charge to goodwill	'	'	15,700,000	'	'
Non Tax Deductible [Member] \| Direct Credit Holdings, Inc [Member]	'	'	'	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'	'	'	'
Non-cash impairment charge to goodwill	'	'	$5,700,000	'	'

Fair_Value_Measurements_Fair_V

Fair Value Measurements - Fair Value Measurements of Certain Assets an a Non-Recurring Basis (Detail) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]	'	'	'	'
Goodwill for Direct Credit	($672,000)	($21,386,000)	($1,730,000)	'
Goodwill impairment for Branch Lending and Direct Credit	'	-22,055,000	-2,330,000	'
Trade Name - ECA	'	'	-600,000	'
Indefinite lived intangible asset impairment for Direct Credit	-8,000	-669,000	-600,000	0
Impaired fixed assets	'	-244,000	-257,000	'
Total	'	-22,229,000	-2,587,000	'
Branch Lending [Member]	'	'	'	'
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]	'	'	'	'
Goodwill impairment for Branch Lending and Direct Credit	'	-21,386,000	'	'
Direct Credit Holdings, Inc [Member]	'	'	'	'
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]	'	'	'	'
Indefinite lived intangible asset impairment for Direct Credit	'	-669,000	'	'
Fair Value Measurements, Level 1 [Member]	'	'	'	'
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]	'	'	'	'
Impaired fixed assets	'	'	'	'
Total	'	'	'	'
Fair Value Measurements, Level 1 [Member] \| Branch Lending [Member]	'	'	'	'
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]	'	'	'	'
Goodwill impairment for Branch Lending and Direct Credit	'	'	'	'
Fair Value Measurements, Level 1 [Member] \| Direct Credit Holdings, Inc [Member]	'	'	'	'
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]	'	'	'	'
Indefinite lived intangible asset impairment for Direct Credit	'	'	'	'
Fair Value Measurements, Level 2 [Member]	'	'	'	'
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]	'	'	'	'
Impaired fixed assets	'	'	'	'
Total	'	'	'	'
Fair Value Measurements, Level 2 [Member] \| Branch Lending [Member]	'	'	'	'
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]	'	'	'	'
Goodwill impairment for Branch Lending and Direct Credit	'	'	'	'
Fair Value Measurements, Level 2 [Member] \| Direct Credit Holdings, Inc [Member]	'	'	'	'
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]	'	'	'	'
Indefinite lived intangible asset impairment for Direct Credit	'	'	'	'
Fair Value Measurements, Level 3 [Member]	'	'	'	'
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]	'	'	'	'
Goodwill for Direct Credit	'	'	6,107,000	'
Impaired fixed assets	'	'	'	'
Total	'	692,000	6,107,000	'
Fair Value Measurements, Level 3 [Member] \| Branch Lending [Member]	'	'	'	'
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]	'	'	'	'
Goodwill impairment for Branch Lending and Direct Credit	'	'	'	'
Fair Value Measurements, Level 3 [Member] \| Direct Credit Holdings, Inc [Member]	'	'	'	'
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]	'	'	'	'
Indefinite lived intangible asset impairment for Direct Credit	'	$692,000	'	'

Discontinued_Operations_Additi

Discontinued Operations - Additional Information (Detail) (USD $)	6 Months Ended	9 Months Ended	12 Months Ended
	Jun. 30, 2013	Sep. 30, 2013	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
	Branch	Sep. 30, 2013	Branch	Branch	Branch
Schedule Of Discontinued Operations [Line Items]	'	'	'	'	'
Number of unconsolidated branches close	'	'	'	'	20
Number of branch sold	'	'	'	'	1
Number of branches closed	'	'	35	20	'
Number of branches scheduled to close	38	'	35	'	'
Sale of automotive business	'	'	$6,000,000	'	'
Non-cash impairment charge related to a write-off of goodwill and intangible assets	'	'	22,055,000	2,330,000	'
Other fair value adjustments to assets	'	'	256,000	'	'
Fair value of goodwill	'	0	'	7,600,000	'
Non cash impairment charge for goodwill	'	672,000	21,386,000	1,730,000	'
Non cash impairment charge for amortizable intangible assets	'	8,000	669,000	600,000	0
Fair Value Measurements, Level 3 [Member]	'	'	'	'	'
Schedule Of Discontinued Operations [Line Items]	'	'	'	'	'
Non cash impairment charge for goodwill	'	'	'	-6,107,000	'
Fair Value Measurements, Level 3 [Member] \| Automotive Loans [Member]	'	'	'	'	'
Schedule Of Discontinued Operations [Line Items]	'	'	'	'	'
Expected non cash loss on disposal of automotive business	'	'	2,800,000	'	'
Impairment charge on loan receivables	'	'	1,900,000	'	'
Non-cash impairment charge related to a write-off of goodwill and intangible assets	'	'	$679,000	'	'

Discontinued_Operations_Financ

Discontinued Operations - Financial Information for Discontinued Operations (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Discontinued Operation Income Loss From Discontinued Operation Disclosures [Abstract]	'	'	'
Total revenues	$25,002	$40,740	$43,593
Provision for losses	9,724	13,541	13,601
Other expenses	19,086	28,081	30,582
Gross loss	-3,808	-882	-590
Other, net	-3,205	-4,355	-1,937
Loss before income taxes	-7,013	-5,237	-2,527
Income tax benefit	-2,483	-1,933	-970
Loss from discontinued operations	($4,530)	($3,304)	($1,557)

Discontinued_Operations_Financ1

Discontinued Operations - Financial Information for Discontinued Operations (Parenthetical) (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Income Statement by Disposal Groups, Including Discontinued Operations [Line Items]	'	'
Non-cash impairment charge related to a write-off of goodwill and intangible assets	$22,055,000	$2,330,000
Automobile Business [Member]	'	'
Income Statement by Disposal Groups, Including Discontinued Operations [Line Items]	'	'
Provision for losses	$6,200,000	'

Discontinued_Operations_Compon

Discontinued Operations - Components of Assets and Liabilities Classified as Discontinued Operations (Detail) (USD $)	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2012
Current assets:	'
Loans receivable, net	$757
Inventory	1,341
Prepaid expenses and other current assets	61
Total current assets of discontinued operations	2,159
Non-current assets:	'
Loans receivable, net	715
Property and equipment, net	196
Goodwill	672
Intangible assets, net	29
Other, net	16
Total non-current assets of discontinued operations	1,628
Current liabilities:	'
Accounts payable	32
Accrued expenses and other current liabilities	1,159
Accrued compensation and benefits	51
Deferred revenue	26
Total current liabilities of discontinued operations	$1,268

Segment_Information_Additional

Segment Information - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2013
	Segment
Segment Reporting [Abstract]	'
Number of operating segments	3

Segment_Information_Summarized

Segment Information - Summarized Financial Information for Company's Segments (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Segment Reporting Information [Line Items]	'	'	'
Total revenues	$151,982,000	$148,859,000	$145,857,000
Provision for losses	44,449,000	32,667,000	27,673,000
Other expenses	63,946,000	63,200,000	58,641,000
Gross profit	43,587,000	52,992,000	59,543,000
Impairment of goodwill and intangible assets	-22,055,000	-2,330,000	'
Other, net	-32,625,000	-36,033,000	-40,756,000
Income (loss) from continuing operations before income taxes	-11,093,000	14,629,000	18,787,000
Branch Lending [Member]	'	'	'
Segment Reporting Information [Line Items]	'	'	'
Total revenues	133,199,000	137,704,000	143,954,000
Provision for losses	32,520,000	28,009,000	27,108,000
Other expenses	59,135,000	59,128,000	57,997,000
Gross profit	41,544,000	50,567,000	58,849,000
Impairment of goodwill and intangible assets	-15,684,000	-600,000	'
Other, net	-27,439,000	-33,677,000	-40,264,000
Income (loss) from continuing operations before income taxes	-1,579,000	16,290,000	18,585,000
Centralized Lending [Member]	'	'	'
Segment Reporting Information [Line Items]	'	'	'
Total revenues	11,556,000	3,087,000	'
Provision for losses	8,658,000	1,854,000	'
Other expenses	1,426,000	652,000	'
Gross profit	1,472,000	581,000	'
Other, net	-1,843,000	-481,000	'
Income (loss) from continuing operations before income taxes	-371,000	100,000	'
E-Lending [Member]	'	'	'
Segment Reporting Information [Line Items]	'	'	'
Total revenues	7,227,000	8,068,000	1,903,000
Provision for losses	3,271,000	2,804,000	565,000
Other expenses	3,385,000	3,420,000	644,000
Gross profit	571,000	1,844,000	694,000
Impairment of goodwill and intangible assets	-6,371,000	-1,730,000	'
Other, net	-3,343,000	-1,875,000	-492,000
Income (loss) from continuing operations before income taxes	($9,143,000)	($1,761,000)	$202,000

Segment_Information_Summarized1

Segment Information - Summarized Financial Information for Company's Segments (Parenthetical) (Detail) (E-Lending [Member], USD $)	12 Months Ended
In Millions, unless otherwise specified	Dec. 31, 2012
E-Lending [Member]	'
Segment Reporting Information [Line Items]	'
Gain due to recording a reduction in the contingent consideration liability	$1.10

Segment_Information_Informatio

Segment Information - Information Concerning Total Assets by Reporting Segment (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Segment Reporting Information [Line Items]	'	'
Balance at end of year	$108,104	$131,700
Branch Lending [Member]	'	'
Segment Reporting Information [Line Items]	'	'
Balance at end of year	90,141	113,286
Centralized Lending [Member]	'	'
Segment Reporting Information [Line Items]	'	'
Balance at end of year	11,495	4,997
E-Lending [Member]	'	'
Segment Reporting Information [Line Items]	'	'
Balance at end of year	$6,468	$13,417

Recovered_Sheet6

Customer Receivables and Allowance for Loan Losses - Summary of Customer Receivables (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Current portion:	'	'	'
Total loans, interest and fees receivable	$65,621	$67,070	'
Less: allowance for losses	-8,272	-6,608	'
Loans, interest and fees receivable, net	57,349	60,462	'
Non-current portion:	'	'	'
Total loans, interest and fees receivable	8,503	2,114	'
Less: allowance for losses	-2,171	-437	'
Loans, interest and fees receivable, net	6,332	1,677	'
Balance, beginning of year	7,045	3,908	3,410
Charge-offs	-75,572	-65,378	-64,283
Recoveries	34,607	30,398	32,092
Effect of foreign currency translation	-4	2	'
Provision for losses	44,367	38,115	32,689
Balance, end of year	10,443	7,045	3,908
Payday and Title Loans [Member]	'	'	'
Current portion:	'	'	'
Total loans, interest and fees receivable	42,813	50,772	'
Less: allowance for losses	-2,867	-3,211	'
Loans, interest and fees receivable, net	39,946	47,561	'
Non-current portion:	'	'	'
Balance, beginning of year	3,211	1,548	'
Charge-offs	-57,107	-51,949	'
Recoveries	32,005	27,951	'
Provision for losses	24,758	25,661	'
Balance, end of year	2,867	3,211	'
Installment Loans [Member]	'	'	'
Current portion:	'	'	'
Total loans, interest and fees receivable	17,470	14,642	'
Less: allowance for losses	-3,921	-2,997	'
Loans, interest and fees receivable, net	13,549	11,645	'
Non-current portion:	'	'	'
Total loans, interest and fees receivable	8,503	2,114	'
Less: allowance for losses	-2,171	-437	'
Loans, interest and fees receivable, net	6,332	1,677	'
Balance, beginning of year	3,435	2,260	'
Charge-offs	-17,056	-12,549	'
Recoveries	2,418	2,175	'
Provision for losses	17,295	11,549	'
Balance, end of year	6,092	3,435	'
Other [Member]	'	'	'
Current portion:	'	'	'
Total loans, interest and fees receivable	5,338	1,656	'
Less: allowance for losses	-1,484	-400	'
Loans, interest and fees receivable, net	3,854	1,256	'
Non-current portion:	'	'	'
Balance, beginning of year	399	100	'
Charge-offs	-1,409	-880	'
Recoveries	184	272	'
Effect of foreign currency translation	-4	2	'
Provision for losses	2,314	905	'
Balance, end of year	$1,484	$399	'

Recovered_Sheet7

Customer Receivables and Allowance for Loan Losses - Additional Information (Detail) (Installment Loans [Member], USD $)	Dec. 31, 2013	Dec. 31, 2012
In Millions, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Installment Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	$7.80	$3.90
Approximate percentage due	36.80%	21.40%

Customer_Receivables_and_Allow2

Customer Receivables and Allowance for Loan Losses - Summary of Allowance for Loan Losses (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Receivables [Abstract]	'	'	'
Balance, beginning of year	$7,045	$3,908	$3,410
Charge-offs	-75,572	-65,378	-64,283
Recoveries	34,607	30,398	32,092
Effect of foreign currency translation	-4	2	'
Provision for losses	44,367	38,115	32,689
Balance, end of year	$10,443	$7,045	$3,908

Property_and_Equipment_Compone

Property and Equipment - Components of Property and Equipment (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Depreciation and Amortization Expenses For Property Plant And Equipment [Line Items]	'	'
Property, plant and equipment, gross	$46,102	$44,781
Less: Accumulated depreciation and amortization	-35,772	-33,571
Total	10,330	11,210
Buildings [Member]	'	'
Depreciation and Amortization Expenses For Property Plant And Equipment [Line Items]	'	'
Property, plant and equipment, gross	3,262	3,262
Leasehold improvements [Member]	'	'
Depreciation and Amortization Expenses For Property Plant And Equipment [Line Items]	'	'
Property, plant and equipment, gross	18,403	18,263
Furniture and equipment [Member]	'	'
Depreciation and Amortization Expenses For Property Plant And Equipment [Line Items]	'	'
Property, plant and equipment, gross	22,959	21,730
Land [Member]	'	'
Depreciation and Amortization Expenses For Property Plant And Equipment [Line Items]	'	'
Property, plant and equipment, gross	512	512
Vehicles [Member]	'	'
Depreciation and Amortization Expenses For Property Plant And Equipment [Line Items]	'	'
Property, plant and equipment, gross	$966	$1,014

Property_and_Equipment_Additio

Property and Equipment - Additional Information (Detail) (USD $)	0 Months Ended	1 Months Ended	12 Months Ended
	Jan. 31, 2011	Feb. 28, 2005	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Property Plant And Equipment Useful Life And Values [Abstract]	'	'	'	'	'
Lease agreement	'	'7 years	'	'	'
Renewal option	'5 years	'	'	'	'
Lease extension date	'Through October 31, 2017	'	'	'	'
Leasehold improvements	'	'	'	$1,400,000	'
Deferred liability	'	'	214,000	270,000	'
Non-current liability	'	'	158,000	214,000	'
Depreciation and Amortization on Property and Equipment	'	'	$2,900,000	$3,000,000	$3,500,000

Recovered_Sheet8

Goodwill and Intangible assets - Summary of Goodwill (Detail) (USD $)	9 Months Ended	12 Months Ended				12 Months Ended
	Sep. 30, 2013	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2013	Dec. 31, 2011	Dec. 31, 2013	Dec. 31, 2012
	Sep. 30, 2013	Dec. 31, 2013	Dec. 31, 2012	Branch Lending [Member]	Branch Lending [Member]	E-Learning [Member]	E-Learning [Member]
Goodwill And Intangible Assets [Line Items]	'	'	'	'	'	'	'
Beginning Balances	$21,791,000	$21,791,000	$23,286,000	$15,684,000	$15,684,000	$6,107,000	$7,602,000
Impairment	-672,000	-21,386,000	-1,730,000	-15,684,000	'	-5,702,000	-1,730,000
Effect of foreign currency translation	'	-405,000	235,000	'	'	-405,000	235,000
Ending Balances	'	'	$21,791,000	'	$15,684,000	'	$6,107,000

Recovered_Sheet9

Goodwill and Intangible Assets - Additional Information (Detail) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
	Sep. 30, 2013	Branch	Branch	Branch
Goodwill And Intangible Assets [Line Items]	'	'	'	'
Percentage decline in cash flow projections	'	22.00%	'	'
Non cash impairment charge to goodwill	'	$21,400,000	$1,700,000	'
Impairment of goodwill	672,000	21,386,000	1,730,000	'
Impairment charge to reduce the value of the trade name intangible asset	8,000	669,000	600,000	0
Total number of Express Check Advance branches closed since acquisition in 2006	'	2	24	24
Amortization expense	'	861,000	899,000	780,000
Annual amortization and interest expense	'	863,000	'	'
Annual amortization and interest expense for 2014	'	863,000	'	'
Annual amortization and interest expense for 2015	'	5,000	'	'
Branch Lending [Member]	'	'	'	'
Goodwill And Intangible Assets [Line Items]	'	'	'	'
Non cash impairment charge to goodwill	'	15,700,000	'	'
Branch Lending [Member] \| Excess Tax Deductions [Member]	'	'	'	'
Goodwill And Intangible Assets [Line Items]	'	'	'	'
Non cash impairment charge to goodwill	'	15,700,000	'	'
Direct Credit Holdings, Inc [Member]	'	'	'	'
Goodwill And Intangible Assets [Line Items]	'	'	'	'
Non cash impairment charge to goodwill	'	5,700,000	'	'
Impairment charge to reduce the value of the trade name intangible asset	'	669,000	'	'
Direct Credit Holdings, Inc [Member] \| Non Tax Deductible [Member]	'	'	'	'
Goodwill And Intangible Assets [Line Items]	'	'	'	'
Non cash impairment charge to goodwill	'	5,700,000	'	'
E-Lending [Member]	'	'	'	'
Goodwill And Intangible Assets [Line Items]	'	'	'	'
Impairment of goodwill	'	'	$1,700,000	'
South Carolina [Member]	'	'	'	'
Goodwill And Intangible Assets [Line Items]	'	'	'	'
Number of branches acquired	'	'	51	'
Total number of Express Check Advance branches closed since acquisition in 2006	'	'	31	'
Number of additional branches closed	'	'	12	'
Minimum [Member]	'	'	'	'
Goodwill And Intangible Assets [Line Items]	'	'	'	'
Discount rates for reporting unit	'	16.10%	'	'
Maximum [Member]	'	'	'	'
Goodwill And Intangible Assets [Line Items]	'	'	'	'
Discount rates for reporting unit	'	23.80%	'	'
Customer relationships [Member] \| Minimum [Member]	'	'	'	'
Goodwill And Intangible Assets [Line Items]	'	'	'	'
Finite-Lived intangible asset, amortized period	'	'3 years	'	'
Customer relationships [Member] \| Maximum [Member]	'	'	'	'
Goodwill And Intangible Assets [Line Items]	'	'	'	'
Finite-Lived intangible asset, amortized period	'	'5 years	'	'
Non-compete agreements [Member] \| Minimum [Member]	'	'	'	'
Goodwill And Intangible Assets [Line Items]	'	'	'	'
Finite-Lived intangible asset, amortized period	'	'3 years	'	'
Non-compete agreements [Member] \| Maximum [Member]	'	'	'	'
Goodwill And Intangible Assets [Line Items]	'	'	'	'
Finite-Lived intangible asset, amortized period	'	'5 years	'	'

Recovered_Sheet10

Goodwill and Intangible Assets - Summary of Intangible Assets (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Non-amortized intangible assets:	'	'
Trade names	$692	$1,456
Amortized intangible assets:	'	'
Gross carrying amount	4,016	4,104
Effect of foreign currency translation	2	77
Less: Accumulated amortization	-3,150	-2,010
Net intangible assets	868	2,171
Total intangible assets, net	1,560	3,627
Customer relationships [Member]	'	'
Amortized intangible assets:	'	'
Finite-lived intangible assets, Gross	2,603	2,603
Non-compete agreements [Member]	'	'
Amortized intangible assets:	'	'
Finite-lived intangible assets, Gross	'	210
Debt issue costs [Member]	'	'
Amortized intangible assets:	'	'
Finite-lived intangible assets, Gross	$1,413	$1,291

Indebtedness_Summary_of_LongTe

Indebtedness - Summary of Long-Term Debt (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Debt Instrument [Line Items]	'	'
Long term debt	$20,800	$25,000
Less: debt due within one year	-20,800	-25,000
Total non-current debt	'	'
Term loan [Member]	'	'
Debt Instrument [Line Items]	'	'
Long term debt	4,500	'
Revolving credit facility [Member]	'	'
Debt Instrument [Line Items]	'	'
Long term debt	$16,300	$25,000

Indebtedness_Additional_Inform

Indebtedness - Additional Information (Detail) (USD $)

12 Months Ended

0 Months Ended

12 Months Ended

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Apr. 30, 2012

Sep. 30, 2011

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Nov. 12, 2013

Dec. 31, 2012

Dec. 31, 2013

Nov. 12, 2013

Dec. 31, 2013

Sep. 30, 2011

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Amended Revolving Credit Facility [Member]

Base Rate [Member]

Minimum [Member]

Maximum [Member]

LIBOR Rate Loans [Member]

Senior Subordinated Notes [Member]

Subordinated debt [Member]

Revolving credit facility [Member]

Amendment Agreement [Member]

Revolving Credit Facilities [Member]

Amendment February 28, 2014 [Member]

Base Rate [Member]

Restricted Stock [Member]

Amended Revolving Credit Facility [Member]

Subsequent to December 31, 2013 [Member]

Subsequent to January 2014 [Member]

January 2014 and February 2014 [Member]

Subsequent to February 2014 [Member]

Credit Facilities [Line Items]

Term Loan

$50,000,000

$32,000,000

Maximum amount available under the revolving credit facility

27,000,000

18,000,000

27,000,000

Capitalized debt issue costs

1,000,000

Debt issue costs amortization period

'3 years

Recorded loss on debt extinguishment

462,000

Weighted average interest rate for borrowings

4.10%

4.30%

Amount outstanding under the revolving credit agreement

9,000,000

Minimum proceeds from the sale of certain assets used to reduce debt

3,000,000

Percent of proceeds from the sale of certain assets used to reduce debt

50.00%

Term loan repayment terms

'Repaid in four quarterly installments beginning December 31, 2013

Covenants attached to term loan

'The greater of $3 million or 50% of the net proceeds is used to reduce the outstanding principal balance of the new term loan

Line of credit facility, maturity date

30-Sep-14

Restriction on payment of dividends through the maturity of credit facility

'The amendment prohibits the payment of dividends and repurchase of the Company's stock through the maturity of the facility on September 30, 2014

Repurchase of common stock related to vested restricted stock

523,000

791,000

1,435,000

175,000

Calculated loss ratio description

'The calculated loss ratio may not be equal to or greater than (i)B 30% for the monthly periods ending SeptemberB 30, 2013 through DecemberB 31, 2013, and (ii)B 28% for each monthly period thereafter. As of JanuaryB 31, 2014, the computed loss ratio for the trailing 12 months was 28.4%, which was in excess of the maximum amount allowed by the credit agreement

Calculated loss ratio

30.00%

28.00%

28.40%

30.00%

28.00%

Proceeds from sale of automotive business

6,000,000

Payment of term loans

9,000,000

Remaining payment of term loan

6,000,000

Term loan outstanding

4,500,000

Percentage of stock pledged of QC Canada Holdings Inc

65.00%

Minimum percentage of equity securities

25.00%

Current Credit Agreement maturity date

30-Sep-14

30-Sep-15

Base Rate revolving loans bear interest rate

1.25%

2.25%

Spread on interest rate

0.50%

2.00%

LIBOR rate, minimum

3.25%

LIBOR rate, maximum

4.25%

Credit facility includes a non-use fee

0.38%

0.63%

Loan interest rate description

'Base Rate loans bear interest at a rate ranging from 1.25% to 2.25% depending on the Company's leverage ratio (as defined in the agreement)

Percentage of pay in excess cash flow when leverage ratio greater than one

75.00%

Percentage of pay in excess cash flow when leverage ratio fell below one

50.00%

Principal payment on the term loan

32,000,000

10,700,000

Term loan repayment terms

'In addition to scheduled repayments, the term loan contained mandatory principal prepayment provisions whereby the Company was required to reduce the outstanding principal amount of the term loan based on the Companybs excess cash and the Companybs leverage ratio as of the most recent completed fiscal year. To the extent that the Companybs leverage ratio was greater than one, the Company was required to pay 75% of excess cash flow. If the leverage ratio fell below one, the mandatory payment was 50% of excess cash flow

Issued senior subordinated notes

3,000,000

Initial principal amount of senior subordinated notes

2,500,000

Remaining senior subordinated notes

500,000

Percentage payable in kind

25.00%

Percentage payable in cash

75.00%

Interest rate on Base Rate term loans

16.00%

Total debt

$20,800,000

$25,000,000

$3,300,000

$3,200,000

$16,300,000

$25,000,000

Indebtedness_Summary_of_Future

Indebtedness - Summary of Future Principal Payments (Detail) (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013
Long Term Debt By Maturity [Abstract]	'
2014	$20,800
2015	3,282
Total	$24,082

Derivatives_Additional_informa

Derivatives - Additional information (Detail) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2013	Mar. 31, 2008	Oct. 03, 2011
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2013	Mar. 31, 2008	Interest rate swaps [Member]
Derivative Instruments, Gain (Loss) [Line Items]	'	'	'	'	'
Net cash settlement paid in connection with the termination of the swap agreement	'	'	'	'	$343,000
Outstanding debt as a cash flow hedge to interest rate fluctuations under prior credit facility	'	'	'	49,000,000	'
Term Loan	'	'	50,000,000	'	'
Interest expense related to termination of swaps	$275,000	$69,000	'	'	'

Derivatives_Gains_Losses_Recog

Derivatives - Gains (Losses) Recognized in Other Comprehensive Income Related to Interest Rate Swap Agreement (Detail) (Interest rate swaps [Member], Designated as Hedging Instrument [Member], Other Comprehensive Income (Loss) [Member], USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Interest rate swaps [Member] \| Designated as Hedging Instrument [Member] \| Other Comprehensive Income (Loss) [Member]	'	'	'
Cash flow hedges:	'	'	'
Loss recognized in other comprehensive income	'	'	($59)
Amount reclassified from accumulated other comprehensive income to interest expense	'	275	578
Total	'	$275	$519

Credit_Services_Organization_A

Credit Services Organization - Additional Information (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Credit Service Organization Liability	'	'
Loans outstanding	$2,800,000	$2,600,000
Credit Service Organization Accrued Liability [Member]	'	'
Credit Services Organization Accrued Liability [Line Items]	'	'
Accrued liabilities	$985,000	$100,000

Credit_Services_Organization_S

Credit Services Organization - Summary of Activity in Liability for CSO Loan Losses (Detail) (Credit Services Organization [Member], USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Credit Services Organization [Member]	'	'	'
Credit Service Organization Liability	'	'	'
Balance, beginning of year	$100	$90	$100
Charge-offs	-3,448	-3,224	-3,462
Recoveries	719	889	830
Provision for losses	3,614	2,345	2,622
Balance, end of year	$985	$100	$90

Income_Taxes_Summary_of_Provis

Income Taxes - Summary of Provision (Benefit) for Income Taxes from Continuing Operations (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Current:	'	'	'
Federal	$341	$1,088	$7,889
State	146	100	1,028
Foreign	480	196	150
Total Current	967	1,384	9,067
Deferred:	'	'	'
Federal	-1,616	4,131	-1,696
State	-217	556	-228
Foreign	-764	-119	-81
Total Deferred	-6,026	1,902	-1,934
Total provision (benefit) for income taxes	-1,630	5,952	7,062
Income (loss) from continuing operations:	'	'	'
Domestic	-4,052	14,893	18,585
Foreign	-7,041	-264	202
Income (loss) from continuing operations before income taxes	($11,093)	$14,629	$18,787

Income_Taxes_Summary_of_Deferr

Income Taxes - Summary of Deferred Income Tax Assets Liabilities (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Deferred tax assets related to:	'	'
Allowance for loan losses	$7,419	$6,150
Accrued rent	666	892
Accrued vacation	372	456
Stock-based compensation	2,301	2,419
Unused state tax credits	1,054	861
Book reserves	458	935
Deferred compensation	1,413	1,309
Accrued legal	142	57
Foreign net operating loss carry-forwards	379	111
Goodwill and intangible assets	2,895	'
Other	443	'
Total gross deferred tax assets	17,542	13,190
Less: valuation allowance	-1,054	-861
Net deferred tax assets	16,488	12,329
Deferred tax liabilities related to:	'	'
Property and equipment	-96	-169
Loans receivable, tax value	-7,538	-6,069
Goodwill and intangibles	'	-3,013
Prepaid assets	-275	-444
Other	'	-75
Gross deferred tax liabilities	-7,909	-9,770
Net deferred tax asset	$8,579	$2,559

Income_Taxes_Additional_Inform

Income Taxes - Additional Information (Detail) (USD $)	12 Months Ended
Income Taxes - Additional Information (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Income Taxes [Line Items]	'	'	'
State tax credit carry-forwards	$1,800,000	$1,500,000	'
Deferred tax asset, net of federal tax effect carry-forwards	1,054,000	861,000	'
Valuation allowance	1,054,000	861,000	'
Gross foreign net operating loss carry-forwards	1,500,000	'	'
Effective tax rate	14.70%	40.70%	37.60%
Accumulated undistributed earnings of foreign affiliates	7,000,000	208,000	'
Unrecognized tax benefits	$190,000	$123,000	$193,000
Minimum [Member]	'	'	'
Income Taxes [Line Items]	'	'	'
Expiration date of gross foreign net operating loss carry-forwards	'17 years	'	'
Maximum [Member]	'	'	'
Income Taxes [Line Items]	'	'	'
Expiration date of gross foreign net operating loss carry-forwards	'20 years	'	'

Income_Taxes_Differences_Betwe

Income Taxes - Differences Between Company's Effective Income Tax Rate (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Effective Income Tax Rate Reconciliation, Amount [Abstract]	'	'	'
Income tax expense (benefit) using the statutory federal rate in effect	($3,883)	$5,120	$6,575
Tax effect of:	'	'	'
State and local income taxes, net	-47	427	520
Goodwill impairment	1,998	604	'
Contingent consideration	'	-395	'
Non-taxable insurance policy proceeds	'	-259	'
Section 162(m) limitation	'	142	'
Other	302	313	-33
Total provision (benefit) for income taxes	($1,630)	$5,952	$7,062
Effective tax rate	14.70%	40.70%	37.60%
Statutory federal tax rate	35.00%	35.00%	35.00%

Income_Taxes_Summary_of_Total_

Income Taxes - Summary of Total Amount of Unrecognized Tax Benefits (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]	'	'
Balance at beginning of year	$123	$193
Additions for tax positions taken during prior years	'	1
Additions for tax positions taken during the current year	78	2
Reductions for tax positions taken during prior years	-1	-63
Lapse of statute of limitations	-10	-10
Balance at end of year	$190	$123

Income_Taxes_Tax_Years_Subject

Income Taxes - Tax Years Subject to Examination (Detail)	12 Months Ended
Income Taxes - Tax Years Subject to Examination (Detail)	Dec. 31, 2013
Federal [Member] \| Maximum [Member]	'
Operating Loss Carryforwards [Line Items]	'
Statute remains open	'2013
Tax years currently under examination	'
Federal [Member] \| Minimum [Member]	'
Operating Loss Carryforwards [Line Items]	'
Statute remains open	'2010
Tax years currently under examination	'
State and Foreign [Member] \| Maximum [Member]	'
Operating Loss Carryforwards [Line Items]	'
Statute remains open	'2013
Tax years currently under examination	'
State and Foreign [Member] \| Minimum [Member]	'
Operating Loss Carryforwards [Line Items]	'
Statute remains open	'2009
Tax years currently under examination	'

Employee_Benefit_Plans_Additio

Employee Benefit Plans - Additional Information (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Employee Benefit Plans [Line Items]	'	'	'
Company's matching contribution of employee's contribution	50.00%	'	'
Percent of company's matching contribution of employee's compensation	6.00%	'	'
Company's matching contributions and administrative expenses	$450,000	$436,000	$473,000
Gain loss on investments associated with life insurance policies	532,000	351,000	161,000
Non-qualified deferred compensation plan [Member]	'	'	'
Employee Benefit Plans [Line Items]	'	'	'
Company's matching contribution of employee's contribution	50.00%	'	'
Percent of company's matching contribution of employee's compensation	6.00%	'	'
Company's matching contributions and administrative expenses	181,000	188,000	179,000
Recognition of compensation expense	226,000	354,000	'
Recognition of reduction in compensation expense	'	'	60,000
Deferred amount included in other liabilities	3,700,000	3,300,000	'
Cash surrender value of life insurance policies	$3,800,000	$3,400,000	'

Stockholders_Equity_Computatio

Stockholders' Equity - Computations of Basic and Diluted Earnings Per Share (Detail) (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Earnings Per Share Basic And Diluted [Abstract]	'	'	'
Income (loss) from continuing operations	($9,463)	$8,677	$11,725
Loss from discontinued operations available to common stockholders	-4,530	-3,304	-1,557
Income (loss) available to common stockholders	($13,993)	$5,373	$10,168
Weighted average basic common shares outstanding	17,370	17,169	17,027
Incremental shares from assumed conversion of stock options, unvested restricted shares and unvested performance-based shares	'	57	83
Weighted average diluted common shares outstanding	17,370	17,226	17,110
Basic	'	'	'
Continuing operations	($0.53)	$0.49	$0.66
Discontinued operations	($0.26)	($0.19)	($0.09)
Net income (loss)	($0.79)	$0.30	$0.57
Diluted	'	'	'
Continuing operations	($0.53)	$0.49	$0.66
Discontinued operations	($0.26)	($0.19)	($0.09)
Net income (loss)	($0.79)	$0.30	$0.57

Stockholders_Equity_Additional

Stockholders' Equity - Additional Information (Detail) (USD $)	1 Months Ended	12 Months Ended
	Nov. 30, 2008	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Stockholders Equity [Line Items]	'	'	'	'
Shares outstanding	'	17,359,382	17,182,260	17,000,000
Non-vested restricted stock shares excluded from determination of average common shares outstanding used in the calculation of basic earnings per share	'	'	57,000	83,000
Maximum repurchase of common stock	'	$60,000,000	'	'
Stock Repurchased	'	66,000	105,000	273,000
Stock repurchase, value	'	179,000	415,000	1,100,000
Remaining stock repurchase	'	3,900,000	'	'
Repurchase of common stock related to vested restricted stock	'	523,000	791,000	1,435,000
Cash dividend per common share	$0.05	$0.15	$0.20	$0.20
Restricted Stock [Member]	'	'	'	'
Stockholders Equity [Line Items]	'	'	'	'
Non-vested restricted stock shares excluded from determination of average common shares outstanding used in the calculation of basic earnings per share	'	315,000	604,000	928,000
Options to purchase shares of common stock excluded from the diluted earnings per share	'	2,500,000	2,600,000	2,600,000
Repurchase of common stock related to vested restricted stock	'	$175,000	'	'

StockBased_Compensation_Additi

Stock-Based Compensation - Additional Information (Detail) (USD $)

12 Months Ended

48 Months Ended

1 Months Ended

12 Months Ended

48 Months Ended

12 Months Ended

3 Months Ended

12 Months Ended

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Dec. 31, 2013

Jun. 30, 2009

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Dec. 31, 2013

Dec. 31, 2011

Dec. 31, 2012

Dec. 31, 2011

Dec. 31, 2013

Dec. 31, 2011

Dec. 31, 2013

Mar. 31, 2013

Mar. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Stock Options [Member]

2004 Equity Incentive Plan [Member]

Other Long Term Incentive Plan [Member]

Restricted Stock [Member]

Performance Units [Member]

RSU's [Member]

Performance Units [Member]

2012 Grants [Member]

Employees [Member]

2004 Equity Incentive Plan [Member]

2004 Incentive Plan [Member]

Other Long Term Incentive Plan [Member]

Performance Units [Member]

Non Employee Directors [Member]

Employees [Member]

Option Indexed to Issuer's Equity [Line Items]

Common stock originally available for future issuance under 2004 Plan

3,000,000

204,000

Common stock increased for future issuance under 2004 Plan

5,000,000

Vesting period of stock granted

'4 years

'6 years

'4 years

'6 months

Percentage of increments on anniversaries of the grant date

25.00%

Expiry date of options granted

'10 years

Income tax benefit

$459,000

$673,000

$817,000

Total intrinsic value of options exercised

43,000

240,000

Total fair value of options vested

201,000

Stock option granted

55,020

52,500

532,040

55,020

44,840

487,200

Fair market value of stock granted

188,000

181,000

2,200,000

Total unrecognized compensation costs

564,000

167,000

116,000

Weighted average period of amortization of unrecognized compensation costs

'1 year

'2 years

'1 year 4 months 24 days

Total fair value of restricted stock vested

1,200,000

1,300,000

1,000,000

Shares repurchased

100,973

108,270

73,100

Performance units as a percentage of target value

75.00%

Restricted stock units as a percentage of target value

25.00%

Annual average return on assets

'3 years

Balance of the non-current liability

83,000

242,000

141,000

101,000

Liability for grant

Cash based stock option granted

50,877

92,452

Cliff vesting performance period

'3 years

Period to determine average weighted stock price

'3 months

StockBased_Compensation_Summar

Stock-Based Compensation - Summary of Stock-Based Compensation Expense (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Employee Service Share-based Compensation, Allocation of Recognized Period Costs [Line Items]	'	'	'
Total stock-based compensation	$1,192	$1,749	$2,178
Employee stock-based compensation [Member]	'	'	'
Employee Service Share-based Compensation, Allocation of Recognized Period Costs [Line Items]	'	'	'
Stock options	17	213	386
Restricted stock awards	987	1,355	1,609
Total stock-based compensation	1,004	1,568	1,995
Non-employee director stock-based compensation [Member]	'	'	'
Employee Service Share-based Compensation, Allocation of Recognized Period Costs [Line Items]	'	'	'
Restricted stock awards	$188	$181	$183

StockBased_Compensation_Summar1

Stock-Based Compensation - Summary of Stock Option Activity (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract]	'
Options, Outstanding, Beginning balance	2,639,536
Options, Exercised	'
Options, Forfeited	-96,784
Options, Outstanding, Ending balance	2,542,752
Options, Exercisable, Ending balance	2,542,752
Weighted Average Exercise Price, Outstanding, Beginning balance	$9.91
Weighted Average Exercise Price, Exercised	'
Weighted Average Exercise Price, Forfeited	$11.80
Weighted Average Exercise Price, Outstanding, Ending balance	$9.84
Weighted Average Exercise Price, Exercisable, Ending balance	$9.84
Weighted Average Remaining Contractual Term, Outstanding, Ending balance	'2 years 4 months 24 days
Weighted Average Remaining Contractual Term, Exercisable, Ending balance	'2 years 4 months 24 days
Aggregate Intrinsic Value, Outstanding, Beginning balance	'
Aggregate Intrinsic Value, Outstanding, Ending balance	'
Aggregate Intrinsic Value, Exercisable, Ending balance	'

StockBased_Compensation_Summar2

Stock-Based Compensation - Summary Information of Options Outstanding and Exercisable (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]	'
Options Outstanding, Number Outstanding	2,542,752
Options Outstanding, Weighted Average Remaining Contractual Life of Outstanding	'2 years 4 months 24 days
Options Outstanding, Weighted Average Exercise Price	$9.84
Options Exercisable, Number Exercisable	2,542,752
Options Exercisable, Weighted Average Exercise Price	$9.84
Exercise Price Range One [Member]	'
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]	'
Exercise Price, Lower range	$1
Exercise Price, Upper range	$5
Options Outstanding, Number Outstanding	525,492
Options Outstanding, Weighted Average Remaining Contractual Life of Outstanding	'5 years 1 month 6 days
Options Outstanding, Weighted Average Exercise Price	$4.39
Options Exercisable, Number Exercisable	525,492
Options Exercisable, Weighted Average Exercise Price	$4.39
Exercise Price Range Two [Member]	'
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]	'
Exercise Price, Lower range	$5
Exercise Price, Upper range	$10
Options Outstanding, Number Outstanding	780,902
Options Outstanding, Weighted Average Remaining Contractual Life of Outstanding	'2 years
Options Outstanding, Weighted Average Exercise Price	$9.47
Options Exercisable, Number Exercisable	780,902
Options Exercisable, Weighted Average Exercise Price	$9.47
Exercise Price Range Three [Member]	'
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]	'
Exercise Price, Lower range	$10
Exercise Price, Upper range	$15
Options Outstanding, Number Outstanding	1,173,508
Options Outstanding, Weighted Average Remaining Contractual Life of Outstanding	'1 year 4 months 24 days
Options Outstanding, Weighted Average Exercise Price	$12.24
Options Exercisable, Number Exercisable	1,173,508
Options Exercisable, Weighted Average Exercise Price	$12.24
Exercise Price Range Four [Member]	'
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]	'
Exercise Price, Lower range	$15
Exercise Price, Upper range	$20
Options Outstanding, Number Outstanding	62,850
Options Outstanding, Weighted Average Remaining Contractual Life of Outstanding	'1 year
Options Outstanding, Weighted Average Exercise Price	$15.07
Options Exercisable, Number Exercisable	62,850
Options Exercisable, Weighted Average Exercise Price	$15.07

StockBased_Compensation_Summar3

Stock-Based Compensation - Summary of Nonvested Stock Option Activity (Detail) (Restricted Stock [Member], USD $)	12 Months Ended
	Dec. 31, 2013
Restricted Stock [Member]	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'
Non-vested balance, January 1, 2013	603,991
Number of Shares, Granted	55,020
Number of Shares, Vested	-343,802
Number of Shares, Forfeited	-262
Non-vested balance, December 31, 2013	314,947
Weighted average grant date fair value, Nonvested balance, January 1, 2013	$4.55
Weighted average grant date fair value, Granted	$3.41
Weighted average grant date fair value, Vested	$4.43
Weighted average grant date fair value, Forfeited	$4.39
Weighted average grant date fair value, Nonvested balance, December 31, 2013	$4.49

StockBased_Compensation_Summar4

Stock-Based Compensation - Summary of Compensation Expense Reported in Net Income from Performance Units and RSU's (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Employee Service Share-based Compensation, Allocation of Recognized Period Costs [Line Items]	'	'
Compensation expense	($119)	$343
Performance Units [Member]	'	'
Employee Service Share-based Compensation, Allocation of Recognized Period Costs [Line Items]	'	'
Compensation expense	-159	242
RSU's [Member]	'	'
Employee Service Share-based Compensation, Allocation of Recognized Period Costs [Line Items]	'	'
Compensation expense	$40	$101

Recovered_Sheet11

Commitments And Contingencies - Summary of Future Minimum Lease Payments (Detail) (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013
Future Minimum Payments Under All Leases And Bonds Payable [Line Items]	'
2014	$11,406
2015	9,893
2016	8,667
2017	7,619
2018	6,093
Thereafter	13,010
Total	56,688
Non-Cancelable [Member]	'
Future Minimum Payments Under All Leases And Bonds Payable [Line Items]	'
2014	9,750
2015	6,151
2016	3,140
2017	1,523
2018	384
Thereafter	327
Total	21,275
Reasonably Assured Renewals [Member]	'
Future Minimum Payments Under All Leases And Bonds Payable [Line Items]	'
2014	1,656
2015	3,742
2016	5,527
2017	6,096
2018	5,709
Thereafter	12,683
Total	$35,413

Recovered_Sheet12

Commitments and Contingencies - Additional Information (Detail) (USD $)	12 Months Ended
In Millions, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Commitments And Contingencies [Line Items]	'	'	'
Rental expense	$10.50	$10.50	$9.90
NORTH CAROLINA	'	'	'
Commitments And Contingencies [Line Items]	'	'	'
Number of subsidiaries sued	2	'	'
Number of plaintiffs	2	'	'
Number of similar purported class action lawsuits	3	'	'
Number of companion cases sued	3	'	'
Number of other unrelated companies against which lawsuit filed	3	'	'
Canada [Member]	'	'	'
Commitments And Contingencies [Line Items]	'	'	'
Number of former directors sued	3	'	'
Maximum percentage of interest rate as compared to usury laws	60.00%	'	'
Minimum percentage of collected loan behold for benefit of member under condition one	60.00%	'	'
Minimum percentage of loan fee considered to evaluate unconscionable trade practice under condition four	60.00%	'	'
Minimum percentage of collected loan restore under condition five	60.00%	'	'
Settlement arising from post-acquisition alleged conduct, Minimum	1.2	'	'
Settlement arising from post-acquisition alleged conduct, Maximum	$1.70	'	'
Loss contingency, Possible losses	'The Company estimates that the total settlement will range between $1.2 million and $1.7 million, with the Company's un-indemnified exposure amounting to approximately 40% of that amount	'	'

Recovered_Sheet13

Certain Concentrations of Risk - Additional Information (Detail) (USD $)

0 Months Ended

12 Months Ended

In Millions, unless otherwise specified

Mar. 31, 2011

Dec. 31, 2013

Dec. 31, 2011

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Dec. 31, 2013

State

ARIZONA

Missouri [Member]

California [Member]

Kansas [Member]

Illinois [Member]

New Mexico [Member]

Idaho [Member]

Revenues from External Customers and Long-Lived Assets [Line Items]

Number of states in which entity operates

Revenue from various states of the company

25.00%

17.00%

6.00%

5.00%

Gross profit from various states of the company

36.00%

17.00%

8.00%

5.00%

Arizona payday loan statutory authority expiry date

30-Jun-10

Revenues declined

$1.50

$2.40

Gross profit declined

$1.40

$1.80

$2.20

Company revenues and gross profits from segment declined prior to the expiration of the payday loan law

5.00%

Minimum rate at which annual revenues declined

30.00%

Maximum rate at which annual revenues declined

60.00%

Period of loan issued under new law

'1 year

Ballot initiative effort is intended to preclude any lending

36.00%

Recovered_Sheet14

Supplemental Disclosures of Cash Flow Information - Certain Cash Activities (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Cash paid during the year for:	'	'	'
Income taxes	$283	$4,715	$5,531
Interest	$1,267	$2,220	$2,036