Enova International (ENVA) 10-Q 11 Aug 15 2015 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2015	Aug. 05, 2015
Document And Entity Information [Abstract]
Entity Registrant Name	Enova International, Inc.
Entity Central Index Key	1,529,864
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Document Type	10-Q
Trading Symbol	ENVA
Document Period End Date	Jun. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q2
Amendment Flag	false
Entity Common Stock, Shares Outstanding		33,000,000

CONSOLIDATED BALANCE SHEETS (Un

CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014
Assets
Cash and cash equivalents	$ 96,237	$ 75,106	$ 79,785
Loans and finance receivables, net	317,454	323,611	291,966
Other receivables and prepaid expenses	15,381	16,631	13,797
Deferred tax assets	21,646	25,427	25,841
Property and equipment, net	50,549	33,985	38,000
Goodwill	270,246	255,862	255,869
Intangible assets, net	3,705	39	14
Other assets	28,340	29,536	22,341
Total assets	803,558	760,197	727,613
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	70,735	57,277	51,110
Related party payable, net			11,451
Income taxes currently payable	713	6,802
Deferred tax liabilities	42,508	47,953	48,757
Long-term debt	494,516	494,181	493,863
Total liabilities	$ 608,472	$ 606,213	$ 605,181
Commitments and contingencies (Note 8)
Stockholders' equity:
Common stock, $0.00001 par value, 250,000,000 shares authorized, 33,000,000 shares issued and outstanding
Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding
Additional paid in capital	$ 4,210	$ 294
Retained earnings	192,255	156,861	$ 116,266
Accumulated other comprehensive (loss) income	(1,379)	(3,171)	6,166
Total stockholders' equity	195,086	153,984	122,432
Total liabilities and stockholders' equity	$ 803,558	$ 760,197	$ 727,613

CONSOLIDATED BALANCE SHEETS (U3

CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - Jun. 30, 2015 - $ / shares	Total
Statement Of Financial Position [Abstract]
Common stock, par value per share	$ 0.00001
Common stock, shares authorized	250,000,000
Common stock, shares issued	33,000,000
Common stock, shares outstanding	33,000,000
Preferred stock, par value per share	$ 0.00001
Preferred stock, shares authorized	25,000,000
Preferred stock, shares issued	0
Preferred stock, shares outstanding	0

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Income Statement [Abstract]
Revenue	$ 146,280	$ 201,482	$ 311,956	$ 409,947
Cost of Revenue	41,536	66,840	80,106	133,276
Gross Profit	104,744	134,642	231,850	276,671
Expenses
Marketing	24,707	30,828	48,863	59,306
Operations and technology	17,554	17,123	35,566	35,008
General and administrative	27,089	26,931	52,655	51,358
Depreciation and amortization	5,033	4,316	10,316	8,434
Total Expenses	74,383	79,198	147,400	154,106
Income from Operations	30,361	55,444	84,450	122,565
Interest expense, net	(12,904)	(7,311)	(26,209)	(12,065)
Foreign currency transaction loss	(31)	(299)	(975)	(400)
Income before Income Taxes	17,426	47,834	57,266	110,100
Provision for income taxes	6,562	17,205	21,872	39,416
Net Income	$ 10,864	$ 30,629	$ 35,394	$ 70,684
Earnings per common share:
Basic	$ 0.33	$ 0.93	$ 1.07	$ 2.14
Diluted	$ 0.33	$ 0.93	$ 1.07	$ 2.14
Weighted average common shares outstanding:
Basic	33,000	33,000	33,000	33,000
Diluted	33,015	33,000	33,012	33,000

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Statement Of Income And Comprehensive Income [Abstract]
Net Income		$ 10,864	$ 30,629	$ 35,394	$ 70,684
Other comprehensive gain, net of tax:
Foreign currency translation gain	[1]	4,198	2,308	1,792	3,065
Total other comprehensive gain, net of tax		4,198	2,308	1,792	3,065
Comprehensive Income		$ 15,062	$ 32,937	$ 37,186	$ 73,749
[1]	2,419

CONSOLIDATED STATEMENTS OF COM6

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Statement Of Income And Comprehensive Income [Abstract]
Tax provision of foreign currency translation gain	$ 2,419	$ 1,293	$ 1,229	$ 1,716

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS EQUITY (Unaudited) - USD ($) $ in Thousands	Total		Common Stock	Additional Paid in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)
Balance at Dec. 31, 2013	$ 173,048				$ 169,947	$ 3,101
Balance, in shares at Dec. 31, 2013			33,000,000
Net equity transactions with Cash America	(1,981)				(1,981)
Net Income	70,684				70,684
Dividend paid to Cash America ($3.71 per share)	(122,384)				(122,384)
Foreign currency translation gain (loss), net of tax	3,065	[1]				3,065
Balance at Jun. 30, 2014	122,432				116,266	6,166
Balance, in shares at Jun. 30, 2014			33,000,000
Balance at Dec. 31, 2014	153,984			$ 294	156,861	(3,171)
Balance, in shares at Dec. 31, 2014			33,000,000
Stock-based compensation expense	3,916			3,916
Net Income	35,394				35,394
Foreign currency translation gain (loss), net of tax	1,792	[1]				1,792
Balance at Jun. 30, 2015	$ 195,086			$ 4,210	$ 192,255	$ (1,379)
Balance, in shares at Jun. 30, 2015	33,000,000		33,000,000
[1]	2,419

CONSOLIDATED STATEMENTS OF STO8

CONSOLIDATED STATEMENTS OF STOCKHOLDERS EQUITY (Unaudited) (Parenthetical)	6 Months Ended
	Jun. 30, 2014$ / shares
Statement Of Stockholders Equity [Abstract]
Dividend paid, per share	$ 3.71

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Cash Flows from Operating Activities
Net Income	$ 35,394	$ 70,684
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	10,316	8,434
Amortization of deferred loan costs and debt discount	1,667	321
Cost of Revenue	80,106	133,276
Non-cash affiliate interest expense		7,629
Stock-based compensation expense	3,916	170
Deferred income taxes, net	(2,893)	6,965
Other	975	160
Changes in operating assets and liabilities:
Finance and service charges on loans and finance receivables	5,147	2,339
Other receivables and prepaid expenses	921	(5,089)
Accounts payable and accrued expenses	5,462	1,601
Related party payable, net		11,451
Current income taxes payable	(6,089)	(45)
Net cash provided by operating activities	134,922	237,896
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired	(491,083)	(662,868)
Loans and finance receivables repaid	418,572	538,465
Acquisitions	(17,735)
Purchases of property and equipment	(26,502)	(6,828)
Other investing activities	15
Net cash used in investing activities	(116,733)	(131,231)
Cash Flows from Financing Activities
Issuance of long-term debt		493,810
Dividend paid to Cash America		(122,384)
Debt issuance costs paid		(16,323)
Net equity transactions with Cash America		(2,151)
Payments on affiliate line of credit		(431,762)
Net cash used in financing activities		(78,810)
Effect of exchange rates on cash	2,942	4,450
Net increase in cash and cash equivalents	21,131	32,305
Cash and cash equivalents at beginning of year	75,106	47,480
Cash and cash equivalents at end of period	96,237	79,785
Supplemental Disclosures
Loans and finance receivables renewed	102,688	$ 189,605
Promissory note issued	$ 3,000

Significant Accounting Policies

Significant Accounting Policies	6 Months Ended
	Jun. 30, 2015
Accounting Policies [Abstract]
Significant Accounting Policies	1. Significant Accounting Policies Basis of Presentation On September 7, 2011, Cash America International, Inc. (“Cash America”) formed a new company, Enova International, Inc. (the “Company”). On September 13, 2011, Cash America contributed to the Company all of the stock of its wholly-owned subsidiary, Enova Online Services, Inc., in exchange for 33 million shares of the Company’s common stock. On November 13, 2014, Cash America completed the tax-free spin-off of approximately 80% of the outstanding shares of the Company to holders of Cash America’s common stock (the “Spin-off”). Cash America’s shareholders received 0.915 shares of Company common stock for every one share of Cash America common stock held at the close of business November 3, 2014, which was the record date for the distribution. Following the Spin-off, the Company became an independent, publicly traded company, and the Company’s shares of common stock are listed on the New York Stock Exchange under the symbol “ENVA.” The consolidated financial statements of the Company reflect the historical results of operations and cash flows of the Company during each respective period. The financial statements include goodwill and intangible assets arising from businesses previously acquired. Prior to the Spin-off, the financial statements also included the allocation of certain assets and liabilities that had historically been held at the Cash America corporate level but which were specifically identifiable or allocable to the Company. Certain transactions with Cash America, such as stock-based compensation and foreign currency transactions, were considered to be effectively settled as net equity transactions with Cash America in “Retained earnings” in the consolidated balance sheets at the time the transaction was recorded. Prior to May 30, 2014, all intercompany transactions between the Company and Cash America were considered to be effectively settled in the financial statements at the time the transactions were recorded. The net effect of the settlement of these transactions was primarily reflected as a change in “Long-term debt” in the consolidated balance sheets. In addition, the historical financial statements include allocations of costs relating to certain functions historically provided by Cash America, including corporate services such as executive oversight, insurance and risk management, government relations, internal audit, treasury, licensing, and to a limited extent finance, accounting, tax, legal, human resources, compensation and benefits, compliance and support for certain information systems related to financial reporting. The expense allocations have been determined on a basis that Cash America and the Company consider to be reasonable reflections of the utilization of services provided by Cash America. Also see Note 10 for additional information on the Company’s relationship with Cash America. The financial information included herein for the prior year period may not be indicative of the consolidated financial position, operating results, changes in stockholder’s equity and cash flows of the Company in the future, or if the Company had been a separate company during the prior year period presented. In June 2015, the Company completed the purchase of certain assets of a small company that offers a receivables purchase agreement product (“RPAs”). RPAs provide working capital for small businesses in exchange for a portion of the business’s future receivables at an agreed upon discount. Whereas lending is a commitment to repay principal and interest, future receivables purchasing is the advance purchase of an agreed upon amount of a business’s future receivables at a discount. The small business customer repays this advance, usually on a daily basis, through ACH debits or by splitting credit card receipts. “Loans and finance receivables” include consumer loans, small business loans, and RPAs. The financial statements presented as of June 30, 2015 and 2014 and December 31, 2014 and for the three- and six-month periods ended June 30, 2015 and 2014 are unaudited but, in management’s opinion, include all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for such interim periods. Operating results for the three- and six-month periods are not necessarily indicative of the results that may be expected for the full fiscal year. These financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2014 and 2013 and for the years ended December 31, 2014, 2013 and 2012 and related notes, which are included on Form 10-K filed with the SEC on March 20, 2015. Revenue Recognition The Company recognizes revenue based on the financing products and services it offers. “Revenue” in the consolidated statements of income includes: interest income, finance charges, fees for services provided through the Company’s credit services organization and credit access business programs (“CSO programs”), or CSO fees, revenue on RPAs, service charges, draw fees, minimum fees, late fees, non-sufficient funds fees and any other fees or charges permitted by applicable laws and pursuant to the agreement with the customer. For short-term loans that the Company offers, interest and finance charges are recognized on an effective yield basis over the term of the loan, and fees are recognized when assessed to the customer. CSO fees are recognized on an effective yield basis over the term of the loan. For line of credit accounts, interest is recognized over the reporting period based upon the balance outstanding and the contractual interest rate, and fees are recognized when assessed to the customer. For installment loans, interest is recognized on an effective yield basis over the term of the loan and fees are recognized when assessed to the customer. For RPAs, revenue is recognized on an effective yield basis over the estimated term of the agreements and fees are recognized when assessed. Direct costs associated with originating loans and RPAs, such as third-party customer acquisition costs, are deferred and amortized against revenue on an effective yield basis over the expected term of the loan or finance receivable. Short-term loans, line of credit accounts, installment loans, RPAs, unpaid and accrued interest, fees and revenue and deferred origination costs are included in “Loans and finance receivables, net” in the consolidated balance sheets. Goodwill Goodwill represents the excess of the purchase price over the fair value of the net tangible and identifiable intangible assets acquired in each business combination. In accordance with Accounting Standards Codification, or ASC, 350, Goodwill The Company uses the income approach to complete its annual goodwill assessment. The income approach uses future cash flows and estimated terminal values for the Company that are discounted using a market participant perspective to determine the fair value, which is then compared to the carrying value to determine if there is impairment. The income approach includes assumptions about revenue growth rates, operating margins and terminal growth rates discounted by an estimated weighted-average cost of capital derived from other publicly-traded companies that are similar but not identical from an operational and economic standpoint. The Company completed its annual assessment of goodwill as of June 30, 2015 and determined that the fair value of its goodwill exceeded carrying value, and, as a result, no impairment existed at that date. A 10% decrease in the estimated fair value for the June 2015 assessment would not have resulted in a goodwill impairment. Although no goodwill impairment was noted, there can be no assurances that future goodwill impairments will not occur. Recent In June 2015, the Financial Accounting Standards Board (the “FASB”) issued Accounting Standards Update (“ASU”) 2015-10, Technical Corrections and Improvements In May 2015, the FASB issued ASU 2015-08, Business Combinations (Topic 805): Pushdown Accounting - Amendments to SEC Paragraphs Pursuant to Staff Accounting Bulletin No. 115 Business Combinations (Topic 805): Pushdown Accounting, In April 2015, the FASB issued ASU 2015‑05, Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement Internal-Use Software on its financial position and results of operations In April 2015, the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs In February 2015, the FASB issued ASU No. 2015-02, Consolidation (Topic 810) - Amendments to the Consolidation Analysis In August 2014, the FASB issued ASU 2014-15, Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606) Revenue Recognition.

Acquisitions

Acquisitions	6 Months Ended
	Jun. 30, 2015
Business Combinations [Abstract]
Acquisitions	2. Acquisitions On June 23, 2015, the Company completed the purchase of certain assets of a company that provides short-term financing to small businesses throughout the United States through RPAs, which provide working capital for small businesses in exchange for a portion of the business’s future receivables at an agreed upon discount. The total consideration of $26.8 million was comprised of $17.7 million in cash at closing, a $3.0 million promissory note (included in “Accounts payable and accrued expenses” in the consolidated balance sheets) and estimated contingent consideration of $6.1 million based on future earn-out opportunities. The contingent purchase consideration was recorded at its estimated fair value at the date of acquisition based upon the Company’s assessment of the probable earnings attributable to the business as defined in the purchase agreement. To the extent operating results exceed the Company’s estimate, additional contingent consideration would be due, however the total consideration paid may not exceed $71 million. The purchase price allocation is provisional, pending completion of the valuation of the acquired assets. The final valuation, which will be determined after further analysis and consultation with third party advisors, may change the allocation of the purchase price and could affect the fair values assigned to the assets. This purchase was not material to the Company’s consolidated financial statements. The operating results of the purchased assets, which were not material, have been included in the Company’s consolidated financial statements from the date of acquisition.

Loans and Finance Receivables,

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables	6 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables	3 . Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables Revenue generated from the Company’s loans and finance receivables for the three and six months ended June 30, 2015 and 2014 was as follows (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2015 2014 2015 2014 Short-term loans $ 48,495 $ 65,707 $ 99,356 $ 138,685 Line of credit accounts 40,915 74,893 96,568 147,930 Installment loans and RPAs 56,438 60,839 115,195 123,247 Total loans and finance receivables revenue 145,848 201,439 311,119 409,862 Other 432 43 837 85 Total revenue $ 146,280 $ 201,482 $ 311,956 $ 409,947 Current and Delinquent Loans and Finance Receivables The Company classifies its loans and finance receivables as either current or delinquent. Short-term loans are considered delinquent when payment of an amount due is not made as of the due date. If a line of credit account or installment loan customer misses one payment, that payment is considered delinquent and the balance of the loan is considered current. The Company does not accrue interest on the delinquent payment portion of the loan but does continue to accrue interest on the remaining portion of the loan. If a line of credit account or installment loan customer does not make two consecutive payments, the entire account or loan is classified as delinquent and on a non-accrual status. The Company allows for normal payment processing time before considering a payment or a loan delinquent but does not provide for any additional grace period. The Company does not accrue interest on delinquent loans and does not resume accrual of interest on a delinquent loan unless it is returned to current status. In addition, delinquent loans generally may not be renewed, and if, during its attempt to collect on a delinquent loan, the Company allows additional time for payment through a payment plan or a promise to pay, it is still considered delinquent. Generally, all payments received are first applied against accrued but unpaid interest and fees and then against the principal balance of the loan. Allowance and Liability for Estimated Losses on Loans and Finance Receivables The Company monitors the performance of its loan and RPA portfolios and maintains either an allowance or liability for estimated losses on loans and finance receivables (including revenue, fees and interest) at a level estimated to be adequate to absorb credit losses inherent in the portfolio. The allowance for losses on the Company’s owned loans and finance receivables reduces the outstanding loans and finance receivable balance in the consolidated balance sheets. The liability for estimated losses related to loans guaranteed under its CSO programs is initially recorded at fair value and is included in “Accounts payable and accrued expenses” in the consolidated balance sheets. In determining the allowance or liability for estimated losses on loans and finance receivables, the Company applies a documented systematic methodology. In calculating the allowance or liability for receivable losses, outstanding loans and finance receivables are divided into discrete groups of short-term loans, line of credit accounts, installment loans and RPAs and are analyzed as current or delinquent. Increases in either the allowance or the liability, net of charge-offs and recoveries, are recorded as a “Cost of revenue” in the consolidated statements of income. The allowance or liability for short-term loans classified as current is based on historical loss rates adjusted for recent default trends for current loans. For delinquent short-term loans, the allowance or liability is based on a six-month rolling average of loss rates by stage of collection. For line of credit accounts and installment loan portfolios, the Company generally uses a migration analysis to estimate losses inherent in the portfolio. The allowance or liability calculation under the migration analysis is based on historical charge-off experience and the loss emergence period, which represents the average amount of time between the first occurrence of a loss event to the charge-off of a loan. The factors the Company considers to assess the adequacy of the allowance or liability include past due performance, historical behavior of monthly vintages, underwriting changes and recent trends in delinquency in the migration analysis. The Company fully reserves and generally charges off loans once the loan or a portion of the loan has been classified as delinquent for 60 consecutive days. If a loan is deemed uncollectible before it is fully reserved, it is charged off at that point. Loans classified as delinquent generally have an age of one to 59 days from the date any portion of the receivable became delinquent, as defined above. Recoveries on loans previously charged to the allowance are credited to the allowance when collected. The components of Company-owned loans and finance receivables at June 30, 2015 and 2014 and December 31, 2014 were as follows (dollars in thousands): As of June 30, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 38,487 $ 67,974 $ 217,950 $ 324,411 Delinquent receivables: Delinquent payment amounts (1) — 2,897 1,289 4,186 Receivables on non-accrual status 19,828 2,668 17,622 40,118 Total delinquent receivables 19,828 5,565 18,911 44,304 Total loans and finance receivables, gross 58,315 73,539 236,861 368,715 Less: Allowance for losses (14,196 ) (9,091 ) (27,974 ) (51,261 ) Financing receivables, net $ 44,119 $ 64,448 $ 208,887 $ 317,454 As of June 30, 2014 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 39,207 $ 112,392 $ 157,247 $ 308,846 Delinquent receivables: Delinquent payment amounts (1) — 3,885 1,487 5,372 Receivables on non-accrual status 20,933 6,132 18,477 45,542 Total delinquent receivables 20,933 10,017 19,964 50,914 Total loans and finance receivables, gross 60,140 122,409 177,211 359,760 Less: Allowance for losses (18,248 ) (21,579 ) (27,967 ) (67,794 ) Financing receivables, net $ 41,892 $ 100,830 $ 149,244 $ 291,966 As of December 31, 2014 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 35,378 $ 110,519 $ 194,496 $ 340,393 Delinquent receivables: Delinquent payment amounts (1) — 3,733 1,469 5,202 Receivables on non-accrual status 20,920 4,428 17,616 42,964 Total delinquent receivables 20,920 8,161 19,085 48,166 Total loans and finance receivables, gross 56,298 118,680 213,581 388,559 Less: Allowance for losses (14,324 ) (19,749 ) (30,875 ) (64,948 ) Financing receivables, net $ 41,974 $ 98,931 $ 182,706 $ 323,611 (1) Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment. See “Current and Delinquent Loans and Finance Receivables” above for additional information. Changes in the allowance for losses for the Company-owned loans and receivables and the liability for losses on the Company’s guarantees of third-party lender-owned loans during the three and six months ended June 30, 2015 and 2014 were as follows (dollars in thousands): Three Months Ended June 30, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 12,744 $ 12,340 $ 26,136 $ 51,220 Cost of revenue 13,929 4,870 22,254 41,053 Charge-offs (17,794 ) (13,740 ) (26,676 ) (58,210 ) Recoveries 5,111 5,509 6,049 16,669 Effect of foreign currency translation 206 112 211 529 Balance at end of period $ 14,196 $ 9,091 $ 27,974 $ 51,261 Liability for third-party lender-owned loans: Balance at beginning of period $ 906 $ — $ 39 $ 945 Increase in liability 370 — 113 483 Balance at end of period $ 1,276 $ — $ 152 $ 1,428 Three Months Ended June 30, 2014 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 18,527 $ 26,669 $ 29,084 $ 74,280 Cost of revenue 19,288 21,786 25,384 66,458 Charge-offs (26,278 ) (31,486 ) (33,014 ) (90,778 ) Recoveries 6,523 4,276 6,195 16,994 Effect of foreign currency translation 188 334 318 840 Balance at end of period $ 18,248 $ 21,579 $ 27,967 $ 67,794 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,199 $ — $ — $ 1,199 Increase in liability 382 — — 382 Balance at end of period $ 1,581 $ — $ — $ 1,581 Six Months Ended June 30, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 14,324 $ 19,749 $ 30,875 $ 64,948 Cost of revenue 26,441 12,683 41,130 80,254 Charge-offs (37,572 ) (34,573 ) (56,558 ) (128,703 ) Recoveries 10,981 11,416 12,629 35,026 Effect of foreign currency translation 22 (184 ) (102 ) (264 ) Balance at end of period $ 14,196 $ 9,091 $ 27,974 $ 51,261 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,575 $ — $ 1 $ 1,576 (Decrease) increase in liability (299 ) — 151 (148 ) Balance at end of period $ 1,276 $ — $ 152 $ 1,428 Six Months Ended June 30, 2014 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 20,466 $ 29,244 $ 32,608 $ 82,318 Cost of revenue 36,456 45,699 51,587 133,742 Charge-offs (55,413 ) (61,588 ) (67,563 ) (184,564 ) Recoveries 16,502 7,776 10,845 35,123 Effect of foreign currency translation 237 448 490 1,175 Balance at end of period $ 18,248 $ 21,579 $ 27,967 $ 67,794 Liability for third-party lender-owned loans: Balance at beginning of period $ 2,047 $ — $ — $ 2,047 Decrease in liability (466 ) — — (466 ) Balance at end of period $ 1,581 $ — $ — $ 1,581 Guarantees of Consumer Loans In connection with its CSO programs, the Company guarantees consumer loan payment obligations to unrelated third-party lenders for short-term and installment loans and is required to purchase any defaulted loans it has guaranteed. The guarantee represents an obligation to purchase specific loans that go into default. As of June 30, 2015 and 2014 and December 31, 2014, the amount of consumer loans guaranteed by the Company was $31.5 million, $34.9 million and $36.3 million, respectively, representing amounts due under consumer loans originated by third-party lenders under the CSO programs. The estimated fair value of the liability for estimated losses on consumer loans guaranteed by the Company of $1.4 million, $1.6 million and $1.6 million, as of June 30, 2015 and 2014 and December 31, 2014, respectively, is included in “Accounts payable and accrued expenses” in the accompanying consolidated balance sheets.

Investment in Unconsolidated Su

Investment in Unconsolidated Subsidiary	6 Months Ended
	Jun. 30, 2015
Investments All Other Investments [Abstract]
Investment in Unconsolidated Subsidiary	4 . Investment in Unconsolidated Subsidiary The Company records an investment in the preferred stock of a privately-held developing consumer financial services entity under the cost method. The carrying value of the Company’s investment in this unconsolidated subsidiary was $6.7 million as of June 30, 2015 and December 31, 2014, and $6.0 million as of June 30, 2014, and was held in “Other assets” in the Company’s consolidated balance sheets. The Company evaluates this investment for impairment if an event occurs or circumstances change that would more likely than not reduce the fair value of the investment below carrying value. Based on the Company’s impairment evaluation of this investment as of June 30, 2015, no impairment existed.

Long-term Debt

Long-term Debt	6 Months Ended
	Jun. 30, 2015
Debt Disclosure [Abstract]
Long-term Debt	5 . Long-term debt $65.0 Million Revolving Credit Facility On May 14, 2014, the Company and its domestic subsidiaries as guarantors entered into a credit agreement among the Company, the guarantors, Jefferies Finance, LLC as administrative agent and Jefferies Group, LLC as lender (the “Credit Agreement”). The Credit Agreement provided for an unsecured revolving credit facility of up to $75.0 million , including a multi-currency sub-facility that gives the Company the ability to borrow up to $25.0 million that may be specified in foreign currencies subject to the terms and conditions of the Credit Agreement. On March 25, 2015, an amendment to the Credit Agreement reduced the Company’s unsecured revolving line of credit to $65.0 million and increased an additional senior secured indebtedness basket to the greater of $20.0 million or 2.75% of consolidated total assets (as defined in the credit agreement) (from $15.0 million or 2% of consolidated total assets). In addition, the amendment revised certain definitions and provisions relating to limitations on indebtedness, investments, dispositions, fundamental changes and burdensome agreements to allow certain of the Company’s foreign subsidiaries, which opt to become guarantors of its obligations under the credit agreement, to be treated as domestic subsidiaries for purposes of those provisions. Interest on the amounts borrowed will be charged, at the Company’s option, at either the London Interbank Offered Rate (“LIBOR”) for one week or one-, two-, three- or six-month periods, as selected by the Company, plus a margin varying from 2.50% to 3.75% or at the agent’s base rate plus a margin varying from 1.50% to 2.75%. The margin for the borrowings under the Credit Agreement is dependent on the Company’s cash flow leverage ratios. The Company is also required to pay a fee on the unused portion of the line of credit ranging from 0.25% to 0.50% (0.375% as of June 30, 2015) based on the Company’s cash flow leverage ratios. The Credit Agreement will mature on June 30, 2017. There were no outstanding borrowings under the Credit Agreement as of June 30, 2015 and 2014. The Credit Agreement also includes a sub-limit of up to $20.0 million for standby or commercial letters of credit that is guaranteed by the Company’s domestic subsidiaries. In the event that an amount is paid by the issuing bank under a letter of credit, it will be due and payable by the Company on demand. Pursuant to the terms of the Credit Agreement, the Company agrees to pay fees equal to the LIBOR margin per annum on the undrawn amount of each outstanding standby letter of credit plus a one-time commercial letter of credit fee of 0.20% of the face amount of each commercial letter of credit plus 0.25% per annum on the average daily amount of the total letter of credit exposure. The Company had letters of credit of $6.6 million under its Credit Agreement as of June 30, 2015, and no outstanding letters of credit as of June 30, 2014. In connection with the issuance of the Credit Agreement, the Company incurred debt issuance costs of approximately $1.6 million, which primarily consisted of underwriting fees and legal expenses. The unamortized balance of these costs as of June 30, 2015 is included in “Other assets” in the consolidated balance sheets. These costs are being amortized to interest expense over a period of 37 months, the term of the Credit Agreement. $500.0 Million 9.75% Senior Unsecured Notes On May 30, 2014, the Company issued and sold $500.0 million in aggregate principal amount of 9.75% Senior Notes due 2021 (the “Senior Notes”). The Senior Notes bear interest at a rate of 9.75% annually on the principal amount payable semi-annually in arrears on June 1 and December 1 of each year, beginning on December 1, 2014. The Senior Notes were sold at a discount of the principal amount to yield 10.0% to maturity. The Senior Notes will mature on June 1, 2021. The Senior Notes are unsecured debt obligations of the Company, and are unconditionally guaranteed by all of the Company’s domestic subsidiaries. The Senior Notes were sold to qualified institutional buyers in accordance with Rule 144A under the Securities Act of 1933, as amended, or the Securities Act, and outside the United States pursuant to Regulation S under the Securities Act. As required by a registration rights agreement that the Company entered into with the initial purchaser when the Senior Notes were issued, the Company completed an exchange offer in April 2015. All of the unregistered Senior Notes have been exchanged for identical new notes registered under the Securities Act. The Senior Notes are governed by an indenture (the “Senior Notes Indenture”), dated May 30, 2014, between the Company, the Company’s domestic subsidiaries, as guarantors, and the trustee. The Senior Notes Indenture contains certain covenants that, among other things, limit the Company’s, and certain of its subsidiaries, ability to incur additional debt, acquire or create new subsidiaries, create liens, engage in certain transactions with affiliates and consolidate or merge with or into other companies. The Senior Notes Indenture provides for customary events of default, including non-payment and failure to comply with covenants or other agreements in the Senior Notes Indenture. The Senior Notes are redeemable at the Company’s option, in whole or in part, (i) at any time prior to June 1, 2017 at 100% of the aggregate principal amount of Senior Notes redeemed plus the applicable “make whole” redemption price specified in the Senior Notes Indenture, plus accrued and unpaid interest, if any, to the redemption date and (ii) at any time on or after June 1, 2017 at a premium specified in the Senior Notes Indenture that will decrease over time, plus accrued and unpaid interest, if any, to the redemption date. In addition, prior to June 1, 2017, at its option, the Company may redeem up to 35% of the aggregate principal amount of the Senior Notes at a redemption price equal to 109.75% of the principal amount thereof, plus accrued and unpaid interest, if any, to the redemption date, with the proceeds of certain equity offerings as described in the Senior Notes Indenture. If a change of control occurs, as that term is defined in the Senior Notes Indenture, the holders of the Senior Notes will have the right, subject to certain conditions, to require the Company to repurchase their Senior Notes at a purchase price equal to 101% of the aggregate principal amount, plus accrued and unpaid interest, if any, as of the date of repurchase. The Spin-off did not constitute a change of control under the Senior Notes Indenture. See Note 1 for additional information on the Spin-off. The Company used all of the net proceeds of the Senior Notes offering, or $479.0 million, to repay all of its intercompany indebtedness due to Cash America, which was $361.4 million as of May 30, 2014, and the remaining net proceeds were used to pay a significant portion of $122.4 million in cash dividends paid to Cash America, of which $120.7 million was paid on May 30, 2014 and $1.7 million was paid on June 30, 2014. As of June 30, 2015 and 2014, the carrying amount of the Senior Notes was $494.5 million and $493.9 million, respectively, which included an unamortized discount of $5.5 million and $6.1 million, respectively. The discount is being amortized to interest expense over a period of seven years, through the maturity date of June 1, 2021. The total interest expense recognized was $24.7 million and $4.3 million for the six months ended June 30, 2015 and 2014, respectively, of which $0.3 million and $0.1 million, respectively, represented the non-cash amortization of the discount. In connection with the issuance of the Senior Notes, the Company incurred approximately $14.7 million for issuance costs, which primarily consisted of underwriting fees, legal and other professional expenses. These costs are being amortized to interest expense over seven years and are included in “Other assets” in the consolidated balance sheets. Weighted-average interest rates on long-term debt were 9.99% and 5.76% during the six months ended June 30, 2015 and 2014, respectively. As of June 30, 2015 and 2014 and December 31, 2014, the Company was in compliance with all covenants and other requirements set forth in the prevailing long-term debt agreement(s).

Earnings Per Share

Earnings Per Share	6 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Earnings Per Share	6 . Earnings Per Share Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted earnings per share is calculated by giving effect to the potential dilution that could occur if securities or other contracts to issue common shares were exercised and converted into common shares during the period. Restricted stock units issued under the Company’s stock-based employee compensation plans are included in diluted shares upon the granting of the awards even though the vesting of shares will occur over time. The following table sets forth the reconciliation of numerators and denominators of basic and diluted earnings per share computations for the three and six months ended June 30, 2015 and 2014 (in thousands, except per share amounts): Three Months Ended Six Months Ended June 30, June 30, 2015 2014 2015 2014 Numerator: Net income $ 10,864 $ 30,629 $ 35,394 $ 70,684 Denominator: Total weighted average basic shares 33,000 33,000 33,000 33,000 Shares applicable to stock-based compensation 15 — 12 — Total weighted average diluted shares 33,015 33,000 33,012 33,000 Net income – basic $ 0.33 $ 0.93 $ 1.07 $ 2.14 Net income – diluted $ 0.33 $ 0.93 $ 1.07 $ 2.14 For the three and six months ended June 30, 2015, 1,722,949 and 1,624,996 shares of common stock underlying stock options and 123,967 and 87,289 shares of common stock underlying restricted stock units were excluded from the calculation of diluted net income per share because their effect would have been antidilutive. There were no stock options or restricted stock units outstanding as of June 30, 2014.

Operating Segment Information

Operating Segment Information	6 Months Ended
	Jun. 30, 2015
Segment Reporting [Abstract]
Operating Segment Information	7 . Operating Segment Information The Company provides online financial services to alternative credit consumers and small businesses in the United States, United Kingdom, Australia, Canada, Brazil and China and has one reportable segment, which is composed of the Company’s domestic and international operations. The Company has aggregated all components of its business into a single reportable segment based on the similarities of the economic characteristics, the nature of the products and services, the nature of the production and distribution methods, the type of customer and the nature of the regulatory environment. The Company allocates certain corporate expenses (primarily general and administrative expenses and, to a lesser extent, marketing and operations and technology expenses) between its domestic and international components based on revenue. The following tables present information on the Company’s domestic and international operations as of and for the three and six months ended June 30, 2015 and 2014 (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2015 2014 2015 2014 Revenue Domestic $ 113,420 $ 108,786 $ 232,473 $ 217,873 International 32,860 92,696 79,483 192,074 Total revenue $ 146,280 $ 201,482 $ 311,956 $ 409,947 Income from operations Domestic $ 24,945 $ 26,790 $ 62,043 $ 67,998 International 5,416 28,654 22,407 54,567 Total income from operations $ 30,361 $ 55,444 $ 84,450 $ 122,565 Depreciation and amortization Domestic $ 4,474 $ 3,756 $ 9,234 $ 7,352 International 559 560 1,082 1,082 Total depreciation and amortization $ 5,033 $ 4,316 $ 10,316 $ 8,434 Expenditures for property and equipment Domestic $ 13,401 $ 2,906 $ 24,879 $ 6,083 International 1,529 246 1,623 745 Total expenditures for property and equipment $ 14,930 $ 3,152 $ 26,502 $ 6,828 June 30, 2015 2014 Property and equipment, net Domestic $ 45,307 $ 32,834 International 5,242 5,166 Total property and equipment, net $ 50,549 $ 38,000 Assets Domestic $ 658,323 $ 522,364 International 145,235 205,249 Total assets $ 803,558 $ 727,613 Geographic Information The following table presents the Company’s revenue by geographic region for the three and six months ended June 30, 2015 and 2014 (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2015 2014 2015 2014 Revenue United States $ 113,420 $ 108,786 $ 232,473 $ 217,873 United Kingdom 30,049 90,280 74,385 187,396 Other international countries 2,811 2,416 5,098 4,678 Total revenue $ 146,280 $ 201,482 $ 311,956 $ 409,947 The Company’s long-lived assets, which consist of the Company’s property and equipment, were $50.5 million and $38.0 million at June 30, 2015 and 2014, respectively. The operations for the Company’s domestic and international businesses are primarily located within the United States, and the value of any long-lived assets located outside of the United States is immaterial.

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
	Jun. 30, 2015
Commitments And Contingencies Disclosure [Abstract]
Commitments and Contingencies	8 . Commitments and Contingencies Litigation On March 8, 2013, Flemming Kristensen, on behalf of himself and others similarly situated, filed a purported class action lawsuit in the U.S. District Court of Nevada against the Company and other unaffiliated lenders and lead providers. The lawsuit alleges that the lead provider defendants sent unauthorized text messages to consumers on behalf of the Company and the other lender defendants in violation of the Telephone Consumer Protection Act. The complaint seeks class certification, statutory damages, an injunction against “wireless spam activities,” and attorneys’ fees and costs. The Company filed an answer to the complaint denying all liability. On March 26, 2014, the Court granted class certification. On October 24, 2014, the Company filed a motion for summary judgment, and the court has not yet ruled on this motion. On January 27, 2015, the plaintiff filed a motion for summary judgment against all of the defendants. On July 20, 2015, the court granted Enova’s motion, denied Plaintiff’s motion and entered judgment in favor of the Company. Plaintiff may seek reconsideration of or appeal the judgment. Neither the likelihood of an unfavorable ruling nor the ultimate liability, if any, with respect to this matter can be determined at this time, and the Company is currently unable to estimate a range of reasonably possible losses, as defined by ASC 450-20-20, Contingencies–Loss Contingencies–Glossary On January 12, 2015, the California Department of Business Oversight (the “Department”) issued an Order (the “Order”) to the Company’s subsidiary, CNU of California, LLC (“CNU”), alleging that CNU violated the California Deferred Deposit Transaction Law by stating in its deferred deposit loan contracts and other agreements that CNU would charge customers amounts not allowed under California law, by electronically debiting customer accounts for more than the original agreed upon amount without additional written authorization from customers, by using the wrong legal name in certain agreements and by advertising via the Company’s website without disclosing that CNU is licensed by the Department. The Order requires CNU to pay an administrative penalty of $10,000, to forfeit all charges and fees for every deferred deposit transaction made in violation of law, and to desist and refrain from violating those provisions of California law. On February 20, 2015, CNU requested a hearing to challenge the Order. A hearing date of August 31, 2015 has been set, although CNU has filed a motion to continue the hearing date. It is too early in this matter to determine either the likelihood of an unfavorable ruling or the ultimate liability, if any, with respect to this matter, and therefore the Company is currently unable to estimate a range of reasonably possible losses, as defined by ASC 450-20-20, for this litigation. The Company believes that the Department’s claims in the Order are without merit and intends to vigorously challenge the Order. The Company is also a defendant in certain routine litigation matters encountered in the ordinary course of its business. Certain of these matters may be covered to an extent by insurance. In the opinion of management, the resolution of these matters will not have a material adverse effect on the Company’s financial position, results of operations or liquidity. Headquarters Relocation The Company provided notice in the second quarter of 2014 to the landlord at 200 W. Jackson Boulevard in Chicago, Illinois that it was accelerating the lease expiration date for approximately 86,000 rentable square feet effective June 30, 2015. As a result, the Company recognized an expense of $1.4 million in the year ended December 31, 2014 related to a lease termination penalty, which was included as “General and administrative expense” in the consolidated statement of income. In July 2014, the Company entered into a lease agreement for its current headquarters office space at 175 W. Jackson Boulevard in Chicago as part of its plans to relocate from its former headquarters at 200 W. Jackson. In the second quarter of 2015, the Company ceased using the 200 W. Jackson location and, as a result, recognized additional expense of $3.5 million, which was included as “General and administrative expense” and consisted of a lease exit liability of $2.8 million for the remaining lease payments, net of estimated sublease income of $1.7 million, and $0.7 million for the removal of property and restoration costs related to the 200 W. Jackson lease. The Company does not expect to incur further material costs related to the relocations. The following table is a summary of the exit and disposal activity and liability balances as a result of the headquarters relocation (in thousands): Lease Termination Costs Other Exit Costs Total Balance at January 1, 2014 $ — $ — $ — Additions 1,415 — 1,415 Payments (708 ) — (708 ) Balance at June 30, 2014 $ 707 $ — $ 707 Balance at January 1, 2015 $ 707 $ — $ 707 Additions 2,763 717 3,480 Payments (1,106 ) — (1,106 ) Balance at June 30, 2015 $ 2,364 $ 717 $ 3,081

Derivative Instruments

Derivative Instruments	6 Months Ended
	Jun. 30, 2015
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Derivative Instruments	9 . Derivative Instruments The Company periodically uses derivative instruments to manage risk from changes in market conditions that may affect the Company’s financial performance. The Company primarily uses derivative instruments to manage its primary market risks, which are interest rate risk and foreign currency exchange rate risk. The Company currently uses forward currency exchange contracts to minimize the effects of foreign currency risk in the United Kingdom and, prior to December 31, 2014, used forward currency exchange contracts to minimize the effects of foreign currency risk in Australia. The forward currency exchange contracts are non-designated derivatives. Any gain or loss resulting from these contracts is recorded as income or loss and is included in “Foreign currency transaction loss” in the Company’s consolidated statements of income. The Company currently does not manage its exposure to risk from foreign currency exchange rate fluctuations through the use of forward currency exchange contracts in Australia, Canada, Brazil or China. The Company’s derivative instruments are presented in its financial statements on a net basis. The following table presents information related to the Company’s derivative instruments as of June 30, 2015 and 2014 and December 31, 2014 (dollars in thousands): Non-designated derivatives: As of June 30, 2015 Gross Amounts Gross Amounts Net Amounts of Assets of Recognized Offset in the Presented in the Notional Financial Consolidated Consolidated Balance Forward currency exchange contracts Amount Instruments Balance Sheets (1) Sheets (2) Assets $ — $ — $ — $ — Liabilities $ 22,753 $ 69 $ — $ 69 As of June 30, 2014 Gross Amounts Gross Amounts Net Amounts of Assets of Recognized Offset in the Presented in the Notional Financial Consolidated Consolidated Balance Forward currency exchange contracts Amount Instruments Balance Sheets (1) Sheets (2) Assets $ 35,843 $ — $ (93 ) $ (93 ) Liabilities $ — $ — $ — $ — As of December 31, 2014 Gross Amounts Gross Amounts Net Amounts of Assets of Recognized Offset in the Presented in the Notional Financial Consolidated Consolidated Balance Forward currency exchange contracts Amount Instruments Balance Sheets (1) Sheets (2) Assets $ — $ — $ — $ — Liabilities $ 112,593 $ 213 $ — $ 213 (1) As of June 30, 2015 and 2014 and December 31, 2014, the Company had no gross amounts of recognized derivative instruments that the Company makes an accounting policy election not to offset. In addition, there is no financial collateral related to the Company’s derivatives. The Company has no liabilities that are subject to an enforceable master netting agreement or similar arrangement. (2) Represents the fair value of forward currency contracts, which is recorded in “Accounts payable and accrued expenses” in the consolidated balance sheets. The following table presents information on the effect of derivative instruments on the consolidated results of operations and accumulated other comprehensive income (“AOCI”) for the three months ended June 30, 2015 and 2014 (dollars in thousands): Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Three Months Ended Three Months Ended Three Months Ended June 30, June 30, June 30, 2015 2014 2015 2014 2015 2014 Non-designated derivatives: Forward currency exchange contracts (1) $ (1,733 ) $ (995 ) $ — $ — $ — $ — Total $ (1,733 ) $ (995 ) $ — $ — $ — $ — Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Six Months Ended Six Months Ended Six Months Ended June 30, June 30, June 30, 2015 2014 2015 2014 2015 2014 Non-designated derivatives: Forward currency exchange contracts (1) $ 2,196 $ (1,755 ) $ — $ — $ — $ — Total $ 2,196 $ (1,755 ) $ — $ — $ — $ — (1) The gains (losses) on these derivatives substantially offset the (losses) gains on the hedged portion of the foreign intercompany balances.

Related Party Transactions

Related Party Transactions	6 Months Ended
	Jun. 30, 2015
Related Party Transactions [Abstract]
Related Party Transactions	10 . Related Party Transactions Prior to the Spin-off, Cash America provided certain corporate service functions, such as executive oversight, insurance and risk management, government relations, internal audit, treasury, licensing, and to a limited extent finance, accounting, tax, legal, human resources, compensation and benefits, compliance and support for certain information systems related to financial reporting. The costs of such services were allocated to the Company based on the Company’s share of Cash America’s corporate services expenses incurred for the consolidated entity. Actual corporate services costs that may have been incurred if the Company had been a stand-alone company would depend on a number of factors, including the chosen organizational structure, what functions were outsourced or performed by employees, and strategic decisions made in areas such as information technology and infrastructure. The Company believes that the expenses in these financial statements were reported on a basis that fairly represents the utilization of the services provided. These financial statements do not necessarily reflect the financial position or results of operations that would have existed if the Company had been operated as a stand-alone entity during the periods covered and may not be indicative of future results of operations and financial position. General and administrative expenses include allocations by Cash America of $5.2 million for the six months ended June 30, 2014. Since the Spin-off, Cash America has been charging the Company a transition services fee related to utilization of financial reporting systems and accounts payable processing that is included in general and administrative expenses. The Company recorded $0.3 million in expense for these services for the six months ended June 30, 2015. The Company expects to transition to its own financial reporting system before the end of 2015. Prior to the Spin-off, the Company paid Cash America compensation for loans made to or arranged for customers who were referred from Cash America. The Company paid $0.4 million for the six months ended June 30, 2014 pursuant to this arrangement, but discontinued this arrangement following the Spin-off. In addition, the Company administered the consumer loan underwriting model utilized by Cash America’s Retail Services Division in exchange for the reimbursement of the Company’s direct third-party costs incurred in providing the service. The Company received $0.3 million for the six months ended June 30, 2014 pursuant to this arrangement. The Company and Cash America entered into a new agreement in conjunction with the Spin-off for the Company to continue providing this service. The Company received $0.6 million for the six months ended June 30, 2015 pursuant to this new agreement. Prior to the issuance of the Senior Notes on May 30, 2014, all payments the Company owed Cash America, offset by any credits or fees Cash America owed the Company in connection with the transactions above, were made through the Affiliate Line of Credit agreement. See Note 5 for further discussion of this agreement. Since May 30, 2014, amounts due from or due to Cash America have been settled a month in arrears. The balance due from Cash America of $0.1 million as of June 30, 2015 is included in “Other receivables and prepaid expenses” in the consolidated balance sheets, the balance due to Cash America of $11.5 million as of June 30, 2014 is included in “Related party payables, net” in the consolidated balance sheets and the balance due to Cash America of $0.4 million as of December 31, 2014 is included in “Accounts payable and accrued expenses” in the consolidated balance sheets.

Fair Value Measurements

Fair Value Measurements	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
Fair Value Measurements	11 . Fair Value Measurements Recurring Fair Value Measurements In accordance with ASC 820, Fair Value Measurements and Disclosures, Level 1: Quoted market prices in active markets for identical assets or liabilities. Level 2: Observable market based inputs or unobservable inputs that are corroborated by market data. Level 3: Unobservable inputs that are not corroborated by market data. The Company’s financial assets and liabilities that are measured at fair value on a recurring basis as of June 30, 2015 and 2014 and December 31, 2014 are as follows (dollars in thousands): June 30, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ (69 ) $ — $ (69 ) $ — Non-qualified savings plan assets (1) 1,077 1,077 — — Contingent consideration (6,140 ) — — (6,140 ) Total $ (5,132 ) $ 1,077 $ (69 ) $ (6,140 ) June 30, Fair Value Measurements Using 2014 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ (93 ) $ — $ (93 ) $ — Non-qualified savings plan assets (1) 734 734 — — Total $ 641 $ 734 $ (93 ) $ — December 31, Fair Value Measurements Using 2014 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ (213 ) $ — $ (213 ) $ — Non-qualified savings plan assets (1) 755 755 — — Total $ 542 $ 755 $ (213 ) $ — (1) The non-qualified savings plan assets are included in “Other receivables and prepaid expenses” in the Company’s consolidated balance sheets and have an offsetting liability of equal amount, which is included in “Accounts payable and accrued expenses” in the Company’s consolidated balance sheets. The Company measures the fair value of its forward currency exchange contracts under Level 2 inputs as defined by ASC 820. For these forward currency exchange contracts, current market rates are used to determine fair value. The significant inputs used in these models are derived from observable market rates. The fair value of the Company’s non-qualified savings plan assets are measured under a Level 1 input. These assets are publicly traded equity securities for which market prices are readily observable. During the six months ended June 30, 2015 and 2014, there were no transfers of assets in or out of Level 1 fair value measurements. Prior to June 2014, the Company participated in Cash America’s derivative and hedging programs, which are coordinated through a centralized treasury function; therefore, the assets and liabilities related to derivative instruments were not recorded in the Company’s financial statements; however, the gains and losses associated with Cash America’s foreign currency forward contracts that relate to the Company’s business are included as “Foreign currency transaction loss” in the consolidated statements of income. The Company determined the fair value of the liability for the contingent consideration based on a probability-weighted discounted cash flow analysis. This analysis reflects the contractual terms of the purchase agreement and utilizes assumptions with regard to future earnings, probabilities of achieving such future earnings, the timing of expected payments and a discount rate. Significant increases with respect to assumptions as to future earnings and probabilities of achieving such future earnings would result in a higher fair value measurement while an increase in the discount rate would result in a lower fair value measurement. The fair value measurement is based on significant inputs not observable in the market and thus represents a Level 3 measurement as defined in the fair value hierarchy. The changes in the fair value of the contingent consideration, which is Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Contingent consideration Total Balance at December 31, 2014 $ — $ — Issuance of contingent consideration (see Note 2) 6,140 6,140 Balance at June 30, 2015 $ 6,140 $ 6,140 ) Fair Value Measurements on a Non-Recurring Basis The Company measures non-financial assets and liabilities such as property and equipment and intangible assets at fair value on a non-recurring basis or when events or circumstances indicate that the carrying amount of the assets may be impaired. At June 30, 2015 and 2014, there were no assets or liabilities recorded at fair value on a non-recurring basis. Financial Assets and Liabilities Not Measured at Fair Value The Company’s financial assets and liabilities as of June 30, 2015 and 2014 and December 31, 2014 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands): Balance at June 30, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 96,237 $ 96,237 $ — $ — Short-term loans and line of credit accounts, net (1) 108,567 — — 108,567 Installment loans and RPAs, net (1) 208,887 — — 208,887 Restricted cash (2) 7,877 7,877 — — Investment in unconsolidated subsidiary (2)(3) 6,703 — — 6,703 Total $ 428,271 $ 104,114 $ — $ 324,157 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,428 $ — $ — $ 1,428 Promissory note 3,000 — — 3,000 Senior notes 494,516 — 481,150 — Total $ 498,944 $ — $ 481,150 $ 4,428 Balance at June 30, Fair Value Measurements Using 2014 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 79,785 $ 79,785 $ — $ — Short-term loans and line of credit accounts, net (1) 142,722 — — 142,722 Installment loans and RPAs, net (1) 149,244 — — 149,244 Investment in unconsolidated subsidiary (2)(3) 6,000 — — 6,000 Total $ 377,751 $ 79,785 $ — $ 297,966 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,581 $ — $ — $ 1,581 Senior notes 493,863 — 498,125 — Total $ 495,444 $ — $ 498,125 $ 1,581 Balance at December 31, Fair Value Measurements Using 2014 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 75,106 $ 75,106 $ — $ — Short-term loans and line of credit accounts, net (1) 140,905 — — 140,905 Installment loans and RPAs, net (1) 182,706 — — 182,706 Restricted cash (2) 7,780 7,780 — — Investment in unconsolidated subsidiary (2)(3) 6,703 — — 6,703 Total $ 413,200 $ 82,886 $ — $ 330,314 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,576 $ — $ — $ 1,576 Senior notes 494,181 — 491,250 — Total $ 495,757 $ — $ 491,250 $ 1,576 (1) Short-term loans, line of credit accounts, installment loans and RPAs are included in “Loans and finance receivables, net” in the consolidated balance sheets. (2) Restricted cash and investment in unconsolidated subsidiary are included in “Other assets” in the consolidated balance sheets. ( 3 ) See Note 3 for additional information related to the investment in unconsolidated subsidiary. Cash and cash equivalents and restricted cash bear interest at market rates and have original maturities of less than 90 days. Short-term loans, line of credit accounts, installment loans and RPAs are carried in the consolidated balance sheet net of the allowance for estimated losses, which is calculated by applying historical loss rates combined with recent default trends to the gross receivable balance. The unobservable inputs used to calculate the fair value of these receivables include historical loss rates, recent default trends and estimated remaining loan or RPA term; therefore, the carrying value approximates the fair value. Short-term loans and line of credit accounts have relatively short maturity periods that are generally 12 months or less. The fair value of installment loans and RPAs is estimated using a discounted cash flow analysis, which considers interest rates and discounts offered for receivables with similar terms to customers with similar credit quality. The carrying values of the Company’s installment loans and RPAs approximate the fair value of these loans and finance receivables. Unsecured installment loans typically have terms between two and 60 months. In connection with its CSO programs, the Company guarantees consumer loan payment obligations to unrelated third-party lenders for short-term and installment loans the Company arranges for consumers on the third-party lenders’ behalf and is required to purchase any defaulted loans it has guaranteed. The estimated fair value of the liability for estimated losses on consumer loans guaranteed by the Company was $1.4 million, $1.6 million and $1.6 million as of June 30, 2015 and 2014 and December 31, 2014, respectively. The Company measures the fair value of its liability for third-party lender-owned consumer loans under Level 3 inputs. The fair value of these liabilities is calculated by applying historical loss rates combined with recent default trends to the gross consumer loan balance. The unobservable inputs used to calculate the fair value of these loans include historical loss rates, recent default trends and estimated remaining loan terms; therefore, the carrying value of these liabilities approximates the fair value. The Company measures the fair value of its long-term debt using Level 2 inputs. The fair value of the Company’s long term debt is estimated based on quoted prices in markets that are not active. As of June 30, 2015 and December 31, 2014, the Company’s Senior Notes had a lower fair market value than the carrying value based on the price of the last trade of the Senior Notes. As of June 30, 2014 the Company’s Senior Notes had a higher fair market value than the carrying value due to the difference in yield when compared to similar types of credit.

Subsequent Events

Subsequent Events	6 Months Ended
	Jun. 30, 2015
Subsequent Events [Abstract]
Subsequent Events	12 . Subsequent Events Subsequent events have been reviewed through the date these financial statements were available to be issued.

Significant Accounting Polici22

Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2015
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation On September 7, 2011, Cash America International, Inc. (“Cash America”) formed a new company, Enova International, Inc. (the “Company”). On September 13, 2011, Cash America contributed to the Company all of the stock of its wholly-owned subsidiary, Enova Online Services, Inc., in exchange for 33 million shares of the Company’s common stock. On November 13, 2014, Cash America completed the tax-free spin-off of approximately 80% of the outstanding shares of the Company to holders of Cash America’s common stock (the “Spin-off”). Cash America’s shareholders received 0.915 shares of Company common stock for every one share of Cash America common stock held at the close of business November 3, 2014, which was the record date for the distribution. Following the Spin-off, the Company became an independent, publicly traded company, and the Company’s shares of common stock are listed on the New York Stock Exchange under the symbol “ENVA.” The consolidated financial statements of the Company reflect the historical results of operations and cash flows of the Company during each respective period. The financial statements include goodwill and intangible assets arising from businesses previously acquired. Prior to the Spin-off, the financial statements also included the allocation of certain assets and liabilities that had historically been held at the Cash America corporate level but which were specifically identifiable or allocable to the Company. Certain transactions with Cash America, such as stock-based compensation and foreign currency transactions, were considered to be effectively settled as net equity transactions with Cash America in “Retained earnings” in the consolidated balance sheets at the time the transaction was recorded. Prior to May 30, 2014, all intercompany transactions between the Company and Cash America were considered to be effectively settled in the financial statements at the time the transactions were recorded. The net effect of the settlement of these transactions was primarily reflected as a change in “Long-term debt” in the consolidated balance sheets. In addition, the historical financial statements include allocations of costs relating to certain functions historically provided by Cash America, including corporate services such as executive oversight, insurance and risk management, government relations, internal audit, treasury, licensing, and to a limited extent finance, accounting, tax, legal, human resources, compensation and benefits, compliance and support for certain information systems related to financial reporting. The expense allocations have been determined on a basis that Cash America and the Company consider to be reasonable reflections of the utilization of services provided by Cash America. Also see Note 10 for additional information on the Company’s relationship with Cash America. The financial information included herein for the prior year period may not be indicative of the consolidated financial position, operating results, changes in stockholder’s equity and cash flows of the Company in the future, or if the Company had been a separate company during the prior year period presented. In June 2015, the Company completed the purchase of certain assets of a small company that offers a receivables purchase agreement product (“RPAs”). RPAs provide working capital for small businesses in exchange for a portion of the business’s future receivables at an agreed upon discount. Whereas lending is a commitment to repay principal and interest, future receivables purchasing is the advance purchase of an agreed upon amount of a business’s future receivables at a discount. The small business customer repays this advance, usually on a daily basis, through ACH debits or by splitting credit card receipts. “Loans and finance receivables” include consumer loans, small business loans, and RPAs. The financial statements presented as of June 30, 2015 and 2014 and December 31, 2014 and for the three- and six-month periods ended June 30, 2015 and 2014 are unaudited but, in management’s opinion, include all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for such interim periods. Operating results for the three- and six-month periods are not necessarily indicative of the results that may be expected for the full fiscal year. These financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2014 and 2013 and for the years ended December 31, 2014, 2013 and 2012 and related notes, which are included on Form 10-K filed with the SEC on March 20, 2015.
Revenue Recognition	Revenue Recognition The Company recognizes revenue based on the financing products and services it offers. “Revenue” in the consolidated statements of income includes: interest income, finance charges, fees for services provided through the Company’s credit services organization and credit access business programs (“CSO programs”), or CSO fees, revenue on RPAs, service charges, draw fees, minimum fees, late fees, non-sufficient funds fees and any other fees or charges permitted by applicable laws and pursuant to the agreement with the customer. For short-term loans that the Company offers, interest and finance charges are recognized on an effective yield basis over the term of the loan, and fees are recognized when assessed to the customer. CSO fees are recognized on an effective yield basis over the term of the loan. For line of credit accounts, interest is recognized over the reporting period based upon the balance outstanding and the contractual interest rate, and fees are recognized when assessed to the customer. For installment loans, interest is recognized on an effective yield basis over the term of the loan and fees are recognized when assessed to the customer. For RPAs, revenue is recognized on an effective yield basis over the estimated term of the agreements and fees are recognized when assessed. Direct costs associated with originating loans and RPAs, such as third-party customer acquisition costs, are deferred and amortized against revenue on an effective yield basis over the expected term of the loan or finance receivable. Short-term loans, line of credit accounts, installment loans, RPAs, unpaid and accrued interest, fees and revenue and deferred origination costs are included in “Loans and finance receivables, net” in the consolidated balance sheets.
Goodwill	Goodwill Goodwill represents the excess of the purchase price over the fair value of the net tangible and identifiable intangible assets acquired in each business combination. In accordance with Accounting Standards Codification, or ASC, 350, Goodwill The Company uses the income approach to complete its annual goodwill assessment. The income approach uses future cash flows and estimated terminal values for the Company that are discounted using a market participant perspective to determine the fair value, which is then compared to the carrying value to determine if there is impairment. The income approach includes assumptions about revenue growth rates, operating margins and terminal growth rates discounted by an estimated weighted-average cost of capital derived from other publicly-traded companies that are similar but not identical from an operational and economic standpoint. The Company completed its annual assessment of goodwill as of June 30, 2015 and determined that the fair value of its goodwill exceeded carrying value, and, as a result, no impairment existed at that date. A 10% decrease in the estimated fair value for the June 2015 assessment would not have resulted in a goodwill impairment. Although no goodwill impairment was noted, there can be no assurances that future goodwill impairments will not occur.
Recent Accounting Standards	Recent In June 2015, the Financial Accounting Standards Board (the “FASB”) issued Accounting Standards Update (“ASU”) 2015-10, Technical Corrections and Improvements In May 2015, the FASB issued ASU 2015-08, Business Combinations (Topic 805): Pushdown Accounting - Amendments to SEC Paragraphs Pursuant to Staff Accounting Bulletin No. 115 Business Combinations (Topic 805): Pushdown Accounting, In April 2015, the FASB issued ASU 2015‑05, Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement Internal-Use Software on its financial position and results of operations In April 2015, the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs In February 2015, the FASB issued ASU No. 2015-02, Consolidation (Topic 810) - Amendments to the Consolidation Analysis In August 2014, the FASB issued ASU 2014-15, Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606) Revenue Recognition.
Current and Delinquent Loans and Finance Receivables	Current and Delinquent Loans and Finance Receivables The Company classifies its loans and finance receivables as either current or delinquent. Short-term loans are considered delinquent when payment of an amount due is not made as of the due date. If a line of credit account or installment loan customer misses one payment, that payment is considered delinquent and the balance of the loan is considered current. The Company does not accrue interest on the delinquent payment portion of the loan but does continue to accrue interest on the remaining portion of the loan. If a line of credit account or installment loan customer does not make two consecutive payments, the entire account or loan is classified as delinquent and on a non-accrual status. The Company allows for normal payment processing time before considering a payment or a loan delinquent but does not provide for any additional grace period. The Company does not accrue interest on delinquent loans and does not resume accrual of interest on a delinquent loan unless it is returned to current status. In addition, delinquent loans generally may not be renewed, and if, during its attempt to collect on a delinquent loan, the Company allows additional time for payment through a payment plan or a promise to pay, it is still considered delinquent. Generally, all payments received are first applied against accrued but unpaid interest and fees and then against the principal balance of the loan.
Allowance and Liability for Estimated Losses on Loans and Finance Receivables	Allowance and Liability for Estimated Losses on Loans and Finance Receivables The Company monitors the performance of its loan and RPA portfolios and maintains either an allowance or liability for estimated losses on loans and finance receivables (including revenue, fees and interest) at a level estimated to be adequate to absorb credit losses inherent in the portfolio. The allowance for losses on the Company’s owned loans and finance receivables reduces the outstanding loans and finance receivable balance in the consolidated balance sheets. The liability for estimated losses related to loans guaranteed under its CSO programs is initially recorded at fair value and is included in “Accounts payable and accrued expenses” in the consolidated balance sheets. In determining the allowance or liability for estimated losses on loans and finance receivables, the Company applies a documented systematic methodology. In calculating the allowance or liability for receivable losses, outstanding loans and finance receivables are divided into discrete groups of short-term loans, line of credit accounts, installment loans and RPAs and are analyzed as current or delinquent. Increases in either the allowance or the liability, net of charge-offs and recoveries, are recorded as a “Cost of revenue” in the consolidated statements of income. The allowance or liability for short-term loans classified as current is based on historical loss rates adjusted for recent default trends for current loans. For delinquent short-term loans, the allowance or liability is based on a six-month rolling average of loss rates by stage of collection. For line of credit accounts and installment loan portfolios, the Company generally uses a migration analysis to estimate losses inherent in the portfolio. The allowance or liability calculation under the migration analysis is based on historical charge-off experience and the loss emergence period, which represents the average amount of time between the first occurrence of a loss event to the charge-off of a loan. The factors the Company considers to assess the adequacy of the allowance or liability include past due performance, historical behavior of monthly vintages, underwriting changes and recent trends in delinquency in the migration analysis. The Company fully reserves and generally charges off loans once the loan or a portion of the loan has been classified as delinquent for 60 consecutive days. If a loan is deemed uncollectible before it is fully reserved, it is charged off at that point. Loans classified as delinquent generally have an age of one to 59 days from the date any portion of the receivable became delinquent, as defined above. Recoveries on loans previously charged to the allowance are credited to the allowance when collected.
Derivative Instruments Policy	The Company currently uses forward currency exchange contracts to minimize the effects of foreign currency risk in the United Kingdom and, prior to December 31, 2014, used forward currency exchange contracts to minimize the effects of foreign currency risk in Australia. The forward currency exchange contracts are non-designated derivatives. Any gain or loss resulting from these contracts is recorded as income or loss and is included in “Foreign currency transaction loss” in the Company’s consolidated statements of income. The Company currently does not manage its exposure to risk from foreign currency exchange rate fluctuations through the use of forward currency exchange contracts in Australia, Canada, Brazil or China.

Loans and Finance Receivables23

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables (Tables)	6 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
Schedule of Revenue Generated from Loans and Finance Receivables	Revenue generated from the Company’s loans and finance receivables for the three and six months ended June 30, 2015 and 2014 was as follows (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2015 2014 2015 2014 Short-term loans $ 48,495 $ 65,707 $ 99,356 $ 138,685 Line of credit accounts 40,915 74,893 96,568 147,930 Installment loans and RPAs 56,438 60,839 115,195 123,247 Total loans and finance receivables revenue 145,848 201,439 311,119 409,862 Other 432 43 837 85 Total revenue $ 146,280 $ 201,482 $ 311,956 $ 409,947
Components of Company-Owned Loans and Finance Receivables	The components of Company-owned loans and finance receivables at June 30, 2015 and 2014 and December 31, 2014 were as follows (dollars in thousands): As of June 30, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 38,487 $ 67,974 $ 217,950 $ 324,411 Delinquent receivables: Delinquent payment amounts (1) — 2,897 1,289 4,186 Receivables on non-accrual status 19,828 2,668 17,622 40,118 Total delinquent receivables 19,828 5,565 18,911 44,304 Total loans and finance receivables, gross 58,315 73,539 236,861 368,715 Less: Allowance for losses (14,196 ) (9,091 ) (27,974 ) (51,261 ) Financing receivables, net $ 44,119 $ 64,448 $ 208,887 $ 317,454 As of June 30, 2014 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 39,207 $ 112,392 $ 157,247 $ 308,846 Delinquent receivables: Delinquent payment amounts (1) — 3,885 1,487 5,372 Receivables on non-accrual status 20,933 6,132 18,477 45,542 Total delinquent receivables 20,933 10,017 19,964 50,914 Total loans and finance receivables, gross 60,140 122,409 177,211 359,760 Less: Allowance for losses (18,248 ) (21,579 ) (27,967 ) (67,794 ) Financing receivables, net $ 41,892 $ 100,830 $ 149,244 $ 291,966 As of December 31, 2014 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 35,378 $ 110,519 $ 194,496 $ 340,393 Delinquent receivables: Delinquent payment amounts (1) — 3,733 1,469 5,202 Receivables on non-accrual status 20,920 4,428 17,616 42,964 Total delinquent receivables 20,920 8,161 19,085 48,166 Total loans and finance receivables, gross 56,298 118,680 213,581 388,559 Less: Allowance for losses (14,324 ) (19,749 ) (30,875 ) (64,948 ) Financing receivables, net $ 41,974 $ 98,931 $ 182,706 $ 323,611 (1) Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment. See “Current and Delinquent Loans and Finance Receivables” above for additional information.
Schedule of Changes in Allowance for Losses	Changes in the allowance for losses for the Company-owned loans and receivables and the liability for losses on the Company’s guarantees of third-party lender-owned loans during the three and six months ended June 30, 2015 and 2014 were as follows (dollars in thousands): Three Months Ended June 30, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 12,744 $ 12,340 $ 26,136 $ 51,220 Cost of revenue 13,929 4,870 22,254 41,053 Charge-offs (17,794 ) (13,740 ) (26,676 ) (58,210 ) Recoveries 5,111 5,509 6,049 16,669 Effect of foreign currency translation 206 112 211 529 Balance at end of period $ 14,196 $ 9,091 $ 27,974 $ 51,261 Liability for third-party lender-owned loans: Balance at beginning of period $ 906 $ — $ 39 $ 945 Increase in liability 370 — 113 483 Balance at end of period $ 1,276 $ — $ 152 $ 1,428 Three Months Ended June 30, 2014 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 18,527 $ 26,669 $ 29,084 $ 74,280 Cost of revenue 19,288 21,786 25,384 66,458 Charge-offs (26,278 ) (31,486 ) (33,014 ) (90,778 ) Recoveries 6,523 4,276 6,195 16,994 Effect of foreign currency translation 188 334 318 840 Balance at end of period $ 18,248 $ 21,579 $ 27,967 $ 67,794 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,199 $ — $ — $ 1,199 Increase in liability 382 — — 382 Balance at end of period $ 1,581 $ — $ — $ 1,581 Six Months Ended June 30, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 14,324 $ 19,749 $ 30,875 $ 64,948 Cost of revenue 26,441 12,683 41,130 80,254 Charge-offs (37,572 ) (34,573 ) (56,558 ) (128,703 ) Recoveries 10,981 11,416 12,629 35,026 Effect of foreign currency translation 22 (184 ) (102 ) (264 ) Balance at end of period $ 14,196 $ 9,091 $ 27,974 $ 51,261 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,575 $ — $ 1 $ 1,576 (Decrease) increase in liability (299 ) — 151 (148 ) Balance at end of period $ 1,276 $ — $ 152 $ 1,428 Six Months Ended June 30, 2014 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 20,466 $ 29,244 $ 32,608 $ 82,318 Cost of revenue 36,456 45,699 51,587 133,742 Charge-offs (55,413 ) (61,588 ) (67,563 ) (184,564 ) Recoveries 16,502 7,776 10,845 35,123 Effect of foreign currency translation 237 448 490 1,175 Balance at end of period $ 18,248 $ 21,579 $ 27,967 $ 67,794 Liability for third-party lender-owned loans: Balance at beginning of period $ 2,047 $ — $ — $ 2,047 Decrease in liability (466 ) — — (466 ) Balance at end of period $ 1,581 $ — $ — $ 1,581

Earnings Per Share (Tables)

Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Schedule of Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Share Computations	The following table sets forth the reconciliation of numerators and denominators of basic and diluted earnings per share computations for the three and six months ended June 30, 2015 and 2014 (in thousands, except per share amounts): Three Months Ended Six Months Ended June 30, June 30, 2015 2014 2015 2014 Numerator: Net income $ 10,864 $ 30,629 $ 35,394 $ 70,684 Denominator: Total weighted average basic shares 33,000 33,000 33,000 33,000 Shares applicable to stock-based compensation 15 — 12 — Total weighted average diluted shares 33,015 33,000 33,012 33,000 Net income – basic $ 0.33 $ 0.93 $ 1.07 $ 2.14 Net income – diluted $ 0.33 $ 0.93 $ 1.07 $ 2.14

Operating Segment Information (

Operating Segment Information (Tables)	6 Months Ended
	Jun. 30, 2015
Segment Reporting [Abstract]
Summary of Domestic and International Operations	The following tables present information on the Company’s domestic and international operations as of and for the three and six months ended June 30, 2015 and 2014 (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2015 2014 2015 2014 Revenue Domestic $ 113,420 $ 108,786 $ 232,473 $ 217,873 International 32,860 92,696 79,483 192,074 Total revenue $ 146,280 $ 201,482 $ 311,956 $ 409,947 Income from operations Domestic $ 24,945 $ 26,790 $ 62,043 $ 67,998 International 5,416 28,654 22,407 54,567 Total income from operations $ 30,361 $ 55,444 $ 84,450 $ 122,565 Depreciation and amortization Domestic $ 4,474 $ 3,756 $ 9,234 $ 7,352 International 559 560 1,082 1,082 Total depreciation and amortization $ 5,033 $ 4,316 $ 10,316 $ 8,434 Expenditures for property and equipment Domestic $ 13,401 $ 2,906 $ 24,879 $ 6,083 International 1,529 246 1,623 745 Total expenditures for property and equipment $ 14,930 $ 3,152 $ 26,502 $ 6,828 June 30, 2015 2014 Property and equipment, net Domestic $ 45,307 $ 32,834 International 5,242 5,166 Total property and equipment, net $ 50,549 $ 38,000 Assets Domestic $ 658,323 $ 522,364 International 145,235 205,249 Total assets $ 803,558 $ 727,613
Summary of Company's Revenue by Geographical Region	The following table presents the Company’s revenue by geographic region for the three and six months ended June 30, 2015 and 2014 (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2015 2014 2015 2014 Revenue United States $ 113,420 $ 108,786 $ 232,473 $ 217,873 United Kingdom 30,049 90,280 74,385 187,396 Other international countries 2,811 2,416 5,098 4,678 Total revenue $ 146,280 $ 201,482 $ 311,956 $ 409,947

Commitments and Contingencies (

Commitments and Contingencies (Tables)	6 Months Ended
	Jun. 30, 2015
Commitments And Contingencies Disclosure [Abstract]
Exit and Disposal Activity and Liability Balances	The following table is a summary of the exit and disposal activity and liability balances as a result of the headquarters relocation (in thousands): Lease Termination Costs Other Exit Costs Total Balance at January 1, 2014 $ — $ — $ — Additions 1,415 — 1,415 Payments (708 ) — (708 ) Balance at June 30, 2014 $ 707 $ — $ 707 Balance at January 1, 2015 $ 707 $ — $ 707 Additions 2,763 717 3,480 Payments (1,106 ) — (1,106 ) Balance at June 30, 2015 $ 2,364 $ 717 $ 3,081

Derivative Instruments (Tables)

Derivative Instruments (Tables)	6 Months Ended
	Jun. 30, 2015
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Schedule of Derivative Assets at Fair Value	The following table presents information related to the Company’s derivative instruments as of June 30, 2015 and 2014 and December 31, 2014 (dollars in thousands): Non-designated derivatives: As of June 30, 2015 Gross Amounts Gross Amounts Net Amounts of Assets of Recognized Offset in the Presented in the Notional Financial Consolidated Consolidated Balance Forward currency exchange contracts Amount Instruments Balance Sheets (1) Sheets (2) Assets $ — $ — $ — $ — Liabilities $ 22,753 $ 69 $ — $ 69 As of June 30, 2014 Gross Amounts Gross Amounts Net Amounts of Assets of Recognized Offset in the Presented in the Notional Financial Consolidated Consolidated Balance Forward currency exchange contracts Amount Instruments Balance Sheets (1) Sheets (2) Assets $ 35,843 $ — $ (93 ) $ (93 ) Liabilities $ — $ — $ — $ — As of December 31, 2014 Gross Amounts Gross Amounts Net Amounts of Assets of Recognized Offset in the Presented in the Notional Financial Consolidated Consolidated Balance Forward currency exchange contracts Amount Instruments Balance Sheets (1) Sheets (2) Assets $ — $ — $ — $ — Liabilities $ 112,593 $ 213 $ — $ 213 (1) As of June 30, 2015 and 2014 and December 31, 2014, the Company had no gross amounts of recognized derivative instruments that the Company makes an accounting policy election not to offset. In addition, there is no financial collateral related to the Company’s derivatives. The Company has no liabilities that are subject to an enforceable master netting agreement or similar arrangement. (2) Represents the fair value of forward currency contracts, which is recorded in “Accounts payable and accrued expenses” in the consolidated balance sheets.
Effect Of Derivative Instruments	The following table presents information on the effect of derivative instruments on the consolidated results of operations and accumulated other comprehensive income (“AOCI”) for the three months ended June 30, 2015 and 2014 (dollars in thousands): Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Three Months Ended Three Months Ended Three Months Ended June 30, June 30, June 30, 2015 2014 2015 2014 2015 2014 Non-designated derivatives: Forward currency exchange contracts (1) $ (1,733 ) $ (995 ) $ — $ — $ — $ — Total $ (1,733 ) $ (995 ) $ — $ — $ — $ — Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Six Months Ended Six Months Ended Six Months Ended June 30, June 30, June 30, 2015 2014 2015 2014 2015 2014 Non-designated derivatives: Forward currency exchange contracts (1) $ 2,196 $ (1,755 ) $ — $ — $ — $ — Total $ 2,196 $ (1,755 ) $ — $ — $ — $ — (1) The gains (losses) on these derivatives substantially offset the (losses) gains on the hedged portion of the foreign intercompany balances.

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
Fair Value Assets and Liabilities Measured on Recurring Basis	The Company’s financial assets and liabilities that are measured at fair value on a recurring basis as of June 30, 2015 and 2014 and December 31, 2014 are as follows (dollars in thousands): June 30, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ (69 ) $ — $ (69 ) $ — Non-qualified savings plan assets (1) 1,077 1,077 — — Contingent consideration (6,140 ) — — (6,140 ) Total $ (5,132 ) $ 1,077 $ (69 ) $ (6,140 ) June 30, Fair Value Measurements Using 2014 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ (93 ) $ — $ (93 ) $ — Non-qualified savings plan assets (1) 734 734 — — Total $ 641 $ 734 $ (93 ) $ — December 31, Fair Value Measurements Using 2014 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ (213 ) $ — $ (213 ) $ — Non-qualified savings plan assets (1) 755 755 — — Total $ 542 $ 755 $ (213 ) $ — (1) The non-qualified savings plan assets are included in “Other receivables and prepaid expenses” in the Company’s consolidated balance sheets and have an offsetting liability of equal amount, which is included in “Accounts payable and accrued expenses” in the Company’s consolidated balance sheets.
Fair Value Measurement for Contingent Consideration	The changes in the fair value of the contingent consideration, which is Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Contingent consideration Total Balance at December 31, 2014 $ — $ — Issuance of contingent consideration (see Note 2) 6,140 6,140 Balance at June 30, 2015 $ 6,140 $ 6,140 )
Financial Assets and Liabilities Not Measured at Fair Value	The Company’s financial assets and liabilities as of June 30, 2015 and 2014 and December 31, 2014 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands): Balance at June 30, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 96,237 $ 96,237 $ — $ — Short-term loans and line of credit accounts, net (1) 108,567 — — 108,567 Installment loans and RPAs, net (1) 208,887 — — 208,887 Restricted cash (2) 7,877 7,877 — — Investment in unconsolidated subsidiary (2)(3) 6,703 — — 6,703 Total $ 428,271 $ 104,114 $ — $ 324,157 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,428 $ — $ — $ 1,428 Promissory note 3,000 — — 3,000 Senior notes 494,516 — 481,150 — Total $ 498,944 $ — $ 481,150 $ 4,428 Balance at June 30, Fair Value Measurements Using 2014 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 79,785 $ 79,785 $ — $ — Short-term loans and line of credit accounts, net (1) 142,722 — — 142,722 Installment loans and RPAs, net (1) 149,244 — — 149,244 Investment in unconsolidated subsidiary (2)(3) 6,000 — — 6,000 Total $ 377,751 $ 79,785 $ — $ 297,966 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,581 $ — $ — $ 1,581 Senior notes 493,863 — 498,125 — Total $ 495,444 $ — $ 498,125 $ 1,581 Balance at December 31, Fair Value Measurements Using 2014 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 75,106 $ 75,106 $ — $ — Short-term loans and line of credit accounts, net (1) 140,905 — — 140,905 Installment loans and RPAs, net (1) 182,706 — — 182,706 Restricted cash (2) 7,780 7,780 — — Investment in unconsolidated subsidiary (2)(3) 6,703 — — 6,703 Total $ 413,200 $ 82,886 $ — $ 330,314 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,576 $ — $ — $ 1,576 Senior notes 494,181 — 491,250 — Total $ 495,757 $ — $ 491,250 $ 1,576 (1) Short-term loans, line of credit accounts, installment loans and RPAs are included in “Loans and finance receivables, net” in the consolidated balance sheets. (2) Restricted cash and investment in unconsolidated subsidiary are included in “Other assets” in the consolidated balance sheets. ( 3 ) See Note 3 for additional information related to the investment in unconsolidated subsidiary.

Significant Accounting Polici29

Significant Accounting Policies - Additional Information (Details) - USD ($)	Nov. 03, 2014	Jun. 30, 2015	Nov. 13, 2014	Sep. 13, 2011
Significant Accounting Policies [Line Items]
Common stock, shares issued		33,000,000
Spin off percentage			80.00%
Share Received from Spinoff Company	0.915%
Distribution Record Date	Nov. 3, 2014
Fair value percentage decrease in goodwill impairment		10.00%
Goodwill impairment loss		$ 0
Unamortized debt issuance cost		$ 13,400,000
Cash America International Inc.
Significant Accounting Policies [Line Items]
Common stock, shares issued				33,000,000

Acquisitions - Additional Infor

Acquisitions - Additional Information (Details) - USD ($) $ in Thousands	Jun. 23, 2015	Jun. 30, 2015
Business Acquisition [Line Items]
Date of acquisition		Jun. 23, 2015
Business acquisition, asset acquired	$ 26,800
Business acquisition, payment in cash	17,735	$ 17,735
Business Combination, promissory note	3,000
Estimated contingent consideration payable		$ 6,140
Maximum
Business Acquisition [Line Items]
Total consideration paid	$ 71,000

Loans and Finance Receivables31

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Schedule of Revenue Generated from Loans and Finance Receivables (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 145,848	$ 201,439	$ 311,119	$ 409,862
Other	432	43	837	85
Total revenue	146,280	201,482	311,956	409,947
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	48,495	65,707	99,356	138,685
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	40,915	74,893	96,568	147,930
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 56,438	$ 60,839	$ 115,195	$ 123,247

Loans and Finance Receivables32

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Additional Information (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days for delinquent loans to be charged off	60 days
Active consumer loans owned by third-party lenders	$ 31,500	$ 36,300	$ 34,900
Accrual for losses on consumer loan guaranty obligations	$ 1,428	$ 1,576	$ 1,581
Minimum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Delinquent loans expiry period (in days)	1 day
Maximum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Delinquent loans expiry period (in days)	59 days

Loans and Finance Receivables33

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Components of Company-Owned Loans and Finance Receivables (Details) - USD ($) $ in Thousands		Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013
Accounts Notes And Loans Receivable [Line Items]
Current receivables		$ 324,411		$ 340,393	$ 308,846
Delinquent payment amounts	[1]	4,186		5,202	5,372
Receivables on non-accrual status		40,118		42,964	45,542
Total delinquent receivables		44,304		48,166	50,914
Total loans and finance receivables, gross		368,715		388,559	359,760
Less: Allowance for losses		(51,261)	$ (51,220)	(64,948)	(67,794)	$ (74,280)	$ (82,318)
Financing receivables, net		317,454		323,611	291,966
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Current receivables		38,487		35,378	39,207
Receivables on non-accrual status		19,828		20,920	20,933
Total delinquent receivables		19,828		20,920	20,933
Total loans and finance receivables, gross		58,315		56,298	60,140
Less: Allowance for losses		(14,196)	(12,744)	(14,324)	(18,248)	(18,527)	(20,466)
Financing receivables, net		44,119		41,974	41,892
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Current receivables		67,974		110,519	112,392
Delinquent payment amounts	[1]	2,897		3,733	3,885
Receivables on non-accrual status		2,668		4,428	6,132
Total delinquent receivables		5,565		8,161	10,017
Total loans and finance receivables, gross		73,539		118,680	122,409
Less: Allowance for losses		(9,091)	(12,340)	(19,749)	(21,579)	(26,669)	(29,244)
Financing receivables, net		64,448		98,931	100,830
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Current receivables		217,950		194,496	157,247
Delinquent payment amounts	[1]	1,289		1,469	1,487
Receivables on non-accrual status		17,622		17,616	18,477
Total delinquent receivables		18,911		19,085	19,964
Total loans and finance receivables, gross		236,861		213,581	177,211
Less: Allowance for losses		(27,974)	$ (26,136)	(30,875)	(27,967)	$ (29,084)	$ (32,608)
Financing receivables, net		$ 208,887		$ 182,706	$ 149,244
[1]	Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment. See “Current and Delinquent Loans and Finance Receivables” above for additional information.

Loans and Finance Receivables34

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Schedule of Changes in Allowance for Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	$ 51,220	$ 74,280	$ 64,948	$ 82,318
Cost of revenue	41,053	66,458	80,254	133,742
Charge-offs	(58,210)	(90,778)	(128,703)	(184,564)
Recoveries	16,669	16,994	35,026	35,123
Effect of foreign currency translation	529	840	(264)	1,175
Balance at end of period	51,261	67,794	51,261	67,794
Liability for third-party lender-owned loans
Balance at beginning of period	945	1,199	1,576	2,047
(Decrease) increase in liability	483	382	(148)	(466)
Balance at end of period	1,428	1,581	1,428	1,581
Short-term Loans
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	12,744	18,527	14,324	20,466
Cost of revenue	13,929	19,288	26,441	36,456
Charge-offs	(17,794)	(26,278)	(37,572)	(55,413)
Recoveries	5,111	6,523	10,981	16,502
Effect of foreign currency translation	206	188	22	237
Balance at end of period	14,196	18,248	14,196	18,248
Liability for third-party lender-owned loans
Balance at beginning of period	906	1,199	1,575	2,047
(Decrease) increase in liability	370	382	(299)	(466)
Balance at end of period	1,276	1,581	1,276	1,581
Line of Credit Accounts
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	12,340	26,669	19,749	29,244
Cost of revenue	4,870	21,786	12,683	45,699
Charge-offs	(13,740)	(31,486)	(34,573)	(61,588)
Recoveries	5,509	4,276	11,416	7,776
Effect of foreign currency translation	112	334	(184)	448
Balance at end of period	9,091	21,579	9,091	21,579
Installment Loans and RPAs
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	26,136	29,084	30,875	32,608
Cost of revenue	22,254	25,384	41,130	51,587
Charge-offs	(26,676)	(33,014)	(56,558)	(67,563)
Recoveries	6,049	6,195	12,629	10,845
Effect of foreign currency translation	211	318	(102)	490
Balance at end of period	27,974	$ 27,967	27,974	$ 27,967
Liability for third-party lender-owned loans
Balance at beginning of period	39		1
(Decrease) increase in liability	113		151
Balance at end of period	$ 152		$ 152

Investment in Unconsolidated 35

Investment in Unconsolidated Subsidiary - Additional information (Details) - USD ($)	6 Months Ended
	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014
Investments All Other Investments [Abstract]
Carrying value of investments in unconsolidated subsidiary	$ 6,700,000	$ 6,700,000	$ 6,000,000
Investment impairment	$ 0

Long-term Debt - Additional Inf

Long-term Debt - Additional Information (Details) - USD ($)	May. 30, 2014	May. 14, 2014	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Mar. 25, 2015
$65.0 Million Revolving Credit Facility Due 2017 | Foreign Currency | Jefferies Group, LLC
Debt Instrument [Line Items]
Maximum borrowing capacity		$ 25,000,000
$65.0 Million Revolving Credit Facility Due 2017 | Unsecured Revolving Credit Facility | Jefferies Group, LLC
Debt Instrument [Line Items]
Maximum borrowing capacity		$ 75,000,000				$ 65,000,000
Commitment fee, percentage				0.375%
Credit agreement, maturity date				Jun. 30, 2017
Borrowings outstanding under credit agreement			$ 0	$ 0	$ 0
Debt issuance cost				$ 1,600,000
Debt issuance cost, amortization period				37 months
$65.0 Million Revolving Credit Facility Due 2017 | Unsecured Revolving Credit Facility | Jefferies Group, LLC | Minimum
Debt Instrument [Line Items]
Debt instrument, basis spread on variable rate		2.50%
Commitment fee, percentage		0.25%
$65.0 Million Revolving Credit Facility Due 2017 | Unsecured Revolving Credit Facility | Jefferies Group, LLC | Maximum
Debt Instrument [Line Items]
Debt instrument, basis spread on variable rate		3.75%
Commitment fee, percentage		0.50%
$65.0 Million Revolving Credit Facility Due 2017 | Unsecured Revolving Credit Facility | Scenario Two | Jefferies Group, LLC
Debt Instrument [Line Items]
Percentage of consolidated assets		2.00%				2.75%
$65.0 Million Revolving Credit Facility Due 2017 | Unsecured Revolving Credit Facility | Scenario One | Jefferies Group, LLC
Debt Instrument [Line Items]
Maximum borrowing capacity		$ 15,000,000				$ 20,000,000
$65.0 Million Revolving Credit Facility Due 2017 | Unsecured Revolving Credit Facility | Agent's Base Rate | Jefferies Group, LLC | Minimum
Debt Instrument [Line Items]
Debt instrument, basis spread on variable rate		1.50%
$65.0 Million Revolving Credit Facility Due 2017 | Unsecured Revolving Credit Facility | Agent's Base Rate | Jefferies Group, LLC | Maximum
Debt Instrument [Line Items]
Debt instrument, basis spread on variable rate		2.75%
$65.0 Million Revolving Credit Facility Due 2017 | Enova Standby And Letter Of Credit | Jefferies Group, LLC
Debt Instrument [Line Items]
Maximum borrowing capacity				$ 20,000,000
Debt instrument, basis spread on variable rate				0.25%
Commitment fee, percentage				0.20%
Borrowings outstanding under credit agreement			0	$ 6,600,000	0
$500.0 Million 9.75% Senior Unsecured Notes Due 2021
Debt Instrument [Line Items]
Credit agreement, maturity date				Jun. 1, 2021
Debt issuance cost				$ 14,700,000
Debt issuance cost, amortization period				7 years
Debt instrument, face amount	$ 500,000,000
Debt instrument, interest rate	9.75%
Debt instrument, effective percentage	10.00%
Percentage of notes principal redeemable				35.00%
Note repurchase rate				101.00%
Net proceeds of senior notes	$ 479,000,000
Carrying amount of senior notes			493,900,000	$ 494,500,000	493,900,000
Debt instrument unamortized discount			$ 6,100,000	5,500,000	6,100,000
Interest expense recognized				24,700,000	4,300,000
Non-cash amortization discount				$ 300,000	$ 100,000
Weighted average interest rates			5.76%	9.99%	5.76%
$500.0 Million 9.75% Senior Unsecured Notes Due 2021 | Cash America
Debt Instrument [Line Items]
Repayments of Intercompany indebtedness	361,400,000
Cash dividends payable	122,400,000
Cash dividends paid to Cash America	$ 120,700,000		$ 1,700,000
$500.0 Million 9.75% Senior Unsecured Notes Due 2021 | Scenario Two
Debt Instrument [Line Items]
Note redeem rate				109.75%
$500.0 Million 9.75% Senior Unsecured Notes Due 2021 | Scenario One
Debt Instrument [Line Items]
Note redeem rate				100.00%

Earnings Per Share - Reconcilia

Earnings Per Share - Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Share - (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Numerator:
Net Income	$ 10,864	$ 30,629	$ 35,394	$ 70,684
Weighted average common shares outstanding:
Total weighted average basic shares	33,000	33,000	33,000	33,000
Shares applicable to stock-based compensation	15		12
Total weighted average diluted shares	33,015	33,000	33,012	33,000
Basic	$ 0.33	$ 0.93	$ 1.07	$ 2.14
Diluted	$ 0.33	$ 0.93	$ 1.07	$ 2.14

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Details) - shares	3 Months Ended	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2015	Jun. 30, 2014
Stock Options
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	1,722,949	1,624,996	0
Restricted Stock Units
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	123,967	87,289	0

Operating Segment Information -

Operating Segment Information - Additional Information (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2015USD ($)Segment	Dec. 31, 2014USD ($)	Jun. 30, 2014USD ($)
Segment Reporting [Abstract]
Number of reportable segment	1
Property and equipment, net | $	$ 50,549	$ 33,985	$ 38,000

Operating Segment Information40

Operating Segment Information - Summary of Domestic and International Operations (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Revenues [Abstract]
Revenue	$ 146,280	$ 201,482	$ 311,956	$ 409,947
Income from operations [Abstract]
Income from operations	30,361	55,444	84,450	122,565
Depreciation and amortization [Abstract]
Depreciation and amortization	5,033	4,316	10,316	8,434
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	14,930	3,152	26,502	6,828
Property and equipment, net [Abstract]
Property and equipment, net	50,549	38,000	50,549	38,000	$ 33,985
Assets
Assets	803,558	727,613	803,558	727,613	$ 760,197
Domestic
Revenues [Abstract]
Revenue	113,420	108,786	232,473	217,873
Income from operations [Abstract]
Income from operations	24,945	26,790	62,043	67,998
Depreciation and amortization [Abstract]
Depreciation and amortization	4,474	3,756	9,234	7,352
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	13,401	2,906	24,879	6,083
Property and equipment, net [Abstract]
Property and equipment, net	45,307	32,834	45,307	32,834
Assets
Assets	658,323	522,364	658,323	522,364
International
Revenues [Abstract]
Revenue	32,860	92,696	79,483	192,074
Income from operations [Abstract]
Income from operations	5,416	28,654	22,407	54,567
Depreciation and amortization [Abstract]
Depreciation and amortization	559	560	1,082	1,082
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	1,529	246	1,623	745
Property and equipment, net [Abstract]
Property and equipment, net	5,242	5,166	5,242	5,166
Assets
Assets	$ 145,235	$ 205,249	$ 145,235	$ 205,249

Operating Segment Information41

Operating Segment Information - Summary of Company's Revenue by Geographical Region (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Revenues [Abstract]
Revenue	$ 146,280	$ 201,482	$ 311,956	$ 409,947
United States
Revenues [Abstract]
Revenue	113,420	108,786	232,473	217,873
United Kingdom
Revenues [Abstract]
Revenue	30,049	90,280	74,385	187,396
Other International Countries
Revenues [Abstract]
Revenue	$ 2,811	$ 2,416	$ 5,098	$ 4,678

Commitments and Contingencies -

Commitments and Contingencies - Additional information (Details)	6 Months Ended		12 Months Ended
	Jun. 30, 2015USD ($)ft²	Jun. 30, 2014USD ($)	Dec. 31, 2014USD ($)
Commitments And Contingencies [Line Items]
Administrative penalty to be paid by CNU of California, LLC	$ 10,000
Leased area | ft²	86,000
Expense related to lease termination penalty	$ 3,480,000	$ 1,415,000	$ 1,415,000
Estimated sublease income	1,700,000
Lease Termination Costs
Commitments And Contingencies [Line Items]
Expense related to lease termination penalty	2,763,000	$ 1,415,000
Other Exit Costs
Commitments And Contingencies [Line Items]
Expense related to lease termination penalty	$ 717,000

Commitments and Contingencies43

Commitments and Contingencies - Exit and Disposal Activity and Liability Balances (Details) - USD ($) $ in Thousands	6 Months Ended		12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Commitments And Contingencies [Line Items]
Beginning Balance	$ 707
Additions	3,480	$ 1,415	$ 1,415
Payments	(1,106)	(708)
Ending Balance	3,081	707	707
Lease Termination Costs
Commitments And Contingencies [Line Items]
Beginning Balance	707
Additions	2,763	1,415
Payments	(1,106)	(708)
Ending Balance	2,364	$ 707	$ 707
Other Exit Costs
Commitments And Contingencies [Line Items]
Additions	717
Ending Balance	$ 717

Derivative Instruments - Fair V

Derivative Instruments - Fair Values of Derivative Instruments (Details) - Non-Designated Derivatives - Forward Currency Exchange Contracts - USD ($)		Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014
Derivatives Fair Value [Line Items]
Asset derivatives, Notional Amount				$ 35,843,000
Gross Amounts of Recognized Financial Instruments, Assets		$ 0	$ 0	0
Gross Amounts Offset in the Consolidated Balance Sheets, Assets	[1]			(93,000)
Net Amounts of Assets Presented in the Consolidated Balance	[2]			$ (93,000)
Derivative Liability, Notional Amount		22,753,000	112,593,000
Gross amounts of recognized Financial Instruments, Liabilities		69,000	213,000
Net Amounts of Liabilities Presented in the Consolidated Balance	[2]	$ 69,000	$ 213,000
[1]	As of June 30, 2015 and 2014 and December 31, 2014, the Company had no gross amounts of recognized derivative instruments that the Company makes an accounting policy election not to offset. In addition, there is no financial collateral related to the Company’s derivatives. The Company has no liabilities that are subject to an enforceable master netting agreement or similar arrangement.
[2]	Represents the fair value of forward currency contracts, which is recorded in “Accounts payable and accrued expenses” in the consolidated balance sheets.

Derivative Instruments - Fair45

Derivative Instruments - Fair Values of Derivative Instruments (Parenthetical) (Details) - Non-Designated Derivatives - Forward Currency Exchange Contracts - USD ($)	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014
Derivatives Fair Value [Line Items]
Gross amounts of recognized derivative instruments	$ 0	$ 0	$ 0
Derivative asset, fair value of collateral	0	0	0
Amount of derivative liabilities	$ 0	$ 0	$ 0

Derivative Instruments - Effect

Derivative Instruments - Effect of Derivative Instruments on the Consolidated Results of Operations and Accumulated other Comprehensive Income (Details) - Non-Designated Derivatives - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income		$ (1,733)	$ (995)	$ 2,196	$ (1,755)
Forward Currency Exchange Contracts
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income	[1]	$ (1,733)	$ (995)	$ 2,196	$ (1,755)
[1]	The gains (losses) on these derivatives substantially offset the (losses) gains on the hedged portion of the foreign intercompany balances.

Related Party Transactions - Ad

Related Party Transactions - Additional Information (Details) - Cash America - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Related Party Transaction [Line Items]
Corporate overhead expense allocated by parent company		$ 5.2
Professional fee	$ 0.3
Compensation loans for customers		0.4
Consumer loans reimbursement amount	0.6	0.3
Related party receivable, net	$ 0.1
Related party payable, net		$ 11.5
Accounts Payable and Accrued Liabilities
Related Party Transaction [Line Items]
Related party payable, net			$ 0.4

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands		Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		$ (6,140)
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		(6,140)
Fair Value, Measurements, Recurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Forward currency exchange contracts		(69)	$ (213)	$ (93)
Non-qualified savings plan assets	[1]	1,077	755	734
Contingent consideration		(6,140)
Total		(5,132)	542	641
Fair Value, Measurements, Recurring | Level 1
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Non-qualified savings plan assets	[1]	1,077	755	734
Total		1,077	755	734
Fair Value, Measurements, Recurring | Level 2
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Forward currency exchange contracts		(69)	(213)	(93)
Total		(69)	$ (213)	$ (93)
Fair Value, Measurements, Recurring | Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		(6,140)
Total		$ (6,140)
[1]	The non-qualified savings plan assets are included in “Other receivables and prepaid expenses” in the Company’s consolidated balance sheets and have an offsetting liability of equal amount, which is included in “Accounts payable and accrued expenses” in the Company’s consolidated balance sheets.

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Details) - USD ($)	6 Months Ended
	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Transfer of assets, amount	$ 0		$ 0
Assets fair value non-recurring	0		0
Liabilities fair value non-recurring	0		0
Accrual for losses on consumer loan guaranty obligations	$ 1,428,000	$ 1,576,000	$ 1,581,000
Maximum
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Cash and cash equivalent maturity period	90 days
Maximum | Interest and Fees on Short-term Loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	12 months
Maximum | Interest and Fees on Line of Credit Accounts
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	12 months
Maximum | Interest and Fees on Installment Loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	60 months
Minimum | Interest and Fees on Installment Loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	2 months

Fair Value Measurements - Fai50

Fair Value Measurements - Fair Value Measurement for Contingent Consideration (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2015USD ($)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration, Issuance of contingent consideration	$ 6,140
Contingent consideration, Ending balance	6,140
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration, Issuance of contingent consideration	6,140
Contingent consideration, Ending balance	$ 6,140

Fair Value Measurements - Finan

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Details) - USD ($) $ in Thousands		Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014
Carrying Value
Financial assets:
Cash and cash equivalents		$ 96,237	$ 75,106	$ 79,785
Short-term loans and line of credit accounts, net	[1]	108,567	140,905	142,722
Installment loans and RPAs, net	[1]	208,887	182,706	149,244
Restricted cash	[2]	7,877	7,780
Investment in unconsolidated subsidiary	[2],[3]	6,703	6,703	6,000
Total		428,271	413,200	377,751
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		1,428	1,576	1,581
Promissory note		3,000
Senior notes		494,516	494,181	493,863
Total		498,944	495,757	495,444
Level 1 | Estimated Fair Value
Financial assets:
Cash and cash equivalents		96,237	75,106	79,785
Restricted cash	[2]	7,877	7,780
Total		104,114	82,886	79,785
Level 2 | Estimated Fair Value
Financial liabilities:
Senior notes		481,150	491,250	498,125
Total		481,150	491,250	498,125
Level 3 | Estimated Fair Value
Financial assets:
Short-term loans and line of credit accounts, net	[1]	108,567	140,905	142,722
Installment loans and RPAs, net	[1]	208,887	182,706	149,244
Investment in unconsolidated subsidiary	[2],[3]	6,703	6,703	6,000
Total		324,157	330,314	297,966
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		1,428	1,576	1,581
Promissory note		3,000
Total		$ 4,428	$ 1,576	$ 1,581
[1]	Short-term loans, line of credit accounts, installment loans and RPAs are included in “Loans and finance receivables, net” in the consolidated balance sheets.
[2]	Restricted cash and investment in unconsolidated subsidiary are included in “Other assets” in the consolidated balance sheets.
[3]	See Note 3 for additional information related to the investment in unconsolidated subsidiary.