Enova International (ENVA) 10-Q 2 Nov 16 2016 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2016	Nov. 01, 2016
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	Accelerated Filer
Document Type	10-Q
Trading Symbol	ENVA
Document Period End Date	Sep. 30, 2016
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q3
Amendment Flag	false
Entity Common Stock, Shares Outstanding		33,214,594

CONSOLIDATED BALANCE SHEETS (Un

CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Assets
Cash and cash equivalents	$ 45,681	$ 42,066	$ 34,310
Restricted cash and cash equivalents	39,272	7,379	7,586
Loans and finance receivables, net	542,865	434,633	380,805
Income taxes receivable		5,503	5,683
Other receivables and prepaid expenses	18,649	20,049	19,778
Property and equipment, net	47,486	48,055	48,814
Goodwill	267,012	267,008	271,568
Intangible assets, net	5,675	6,540	3,698
Other assets	8,439	9,304	7,930
Total assets	975,079	840,537	780,172
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	85,433	72,141	79,081
Income taxes currently payable	5,149
Deferred tax liabilities, net	16,233	20,519	19,007
Long-term debt	635,179	541,909	482,808
Total liabilities	741,994	634,569	580,896
Commitments and contingencies (Note 9)
Stockholders' equity:
Common stock, $0.00001 par value, 250,000,000 shares authorized, 33,260,017, 33,000,000 and 33,151,088 shares issued and 33,214,594, 33,000,000 and 33,121,594 outstanding as of September 30, 2016 and 2015 and December 31, 2015, respectively	0	0	0
Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding
Additional paid in capital	16,338	9,924	6,835
Retained earnings	226,741	200,853	196,672
Accumulated other comprehensive loss	(9,692)	(4,622)	(4,231)
Treasury stock, at cost (45,423 and 29,494 shares as of September 30, 2016 and December 31, 2015, respectively)	(302)	(187)
Total stockholders' equity	233,085	205,968	199,276
Total liabilities and stockholders' equity	$ 975,079	$ 840,537	$ 780,172

CONSOLIDATED BALANCE SHEETS (U3

CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Restricted cash and cash equivalents	$ 39,272	$ 7,379	$ 7,586
Loans and finance receivables, gross	637,612	501,955	445,547
Allowance for loan losses	94,747	67,322	$ 64,742
Long-term debt	136,953
Unamortized debt issuance cost	$ 11,900	$ 11,400
Common stock, par value per share	$ 0.00001	$ 0.00001	$ 0.00001
Common stock, shares authorized	250,000,000	250,000,000	250,000,000
Common stock, shares issued	33,260,017	33,151,088	33,000,000
Common stock, shares outstanding	33,214,594	33,121,594	33,000,000
Preferred stock, par value per share	$ 0.00001	$ 0.00001	$ 0.00001
Preferred stock, shares authorized	25,000,000	25,000,000	25,000,000
Preferred stock, shares issued	0	0	0
Preferred stock, shares outstanding	0	0	0
Treasury stock, shares	45,423	29,494
Variable Interest Entity, Primary Beneficiary
Restricted cash and cash equivalents	$ 18,119
Loans and finance receivables, gross	191,534
Allowance for loan losses	15,518
Long-term debt	136,953
Unamortized debt issuance cost	$ 2,416

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Income Statement [Abstract]
Revenue	$ 195,943	$ 165,227	$ 543,131	$ 477,183
Cost of Revenue	95,391	65,614	230,421	145,720
Gross Profit	100,552	99,613	312,710	331,463
Expenses
Marketing	26,722	35,568	73,500	84,431
Operations and technology	20,637	18,590	61,706	54,156
General and administrative	21,307	22,627	76,747	75,282
Depreciation and amortization	3,789	3,882	12,004	14,198
Total Expenses	72,455	80,667	223,957	228,067
Income from Operations	28,097	18,946	88,753	103,396
Interest expense, net	(16,117)	(13,292)	(48,058)	(39,501)
Foreign currency transaction gain (loss)	145	(212)	2,184	(1,187)
Income before Income Taxes	12,125	5,442	42,879	62,708
Provision for income taxes	4,288	1,025	16,991	22,897
Net Income	$ 7,837	$ 4,417	$ 25,888	$ 39,811
Earnings per common share:
Basic	$ 0.24	$ 0.13	$ 0.78	$ 1.21
Diluted	$ 0.23	$ 0.13	$ 0.78	$ 1.21
Weighted average common shares outstanding:
Basic	33,211	33,000	33,176	33,000
Diluted	33,558	33,022	33,360	33,015

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Statement Of Income And Comprehensive Income [Abstract]
Net Income		$ 7,837	$ 4,417	$ 25,888	$ 39,811
Other comprehensive loss, net of tax:
Foreign currency translation loss	[1]	(1,245)	(2,852)	(5,070)	(1,060)
Total other comprehensive loss, net of tax		(1,245)	(2,852)	(5,070)	(1,060)
Comprehensive Income		$ 6,592	$ 1,565	$ 20,818	$ 38,751
[1]	Net of tax benefit of $707 and $1,624 for the three months ended September 30, 2016 and 2015, respectively, and $2,860 and $394 for the nine months ended September 30, 2016 and 2015, respectively.

CONSOLIDATED STATEMENTS OF COM6

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Statement Of Income And Comprehensive Income [Abstract]
Tax benefit of foreign currency translation loss	$ 707	$ 1,624	$ 2,860	$ 394

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 Loss	Treasury Stock
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	6,541			6,541
Net income	39,811				39,811
Foreign currency translation loss, net of tax	(1,060)	[1]				(1,060)
Balance at Sep. 30, 2015	$ 199,276			6,835	196,672	(4,231)
Balance, in shares at Sep. 30, 2015	33,000,000		33,000,000
Balance at Dec. 31, 2015	$ 205,968			9,924	200,853	(4,622)	$ (187)
Balance, in shares at Dec. 31, 2015	33,151,088		33,151,000				(29,000)
Stock-based compensation expense	$ 6,414			6,414
Shares issued under stock-based plans			109,000
Net income	25,888				25,888
Foreign currency translation loss, net of tax	(5,070)	[1]				(5,070)
Purchases of treasury shares, at cost	(115)						$ (115)
Treasury Stock Shares Acquired							(16,000)
Balance at Sep. 30, 2016	$ 233,085			$ 16,338	$ 226,741	$ (9,692)	$ (302)
Balance, in shares at Sep. 30, 2016	33,260,017		33,260,000				(45,000)
[1]	Net of tax benefit of $707 and $1,624 for the three months ended September 30, 2016 and 2015, respectively, and $2,860 and $394 for the nine months ended September 30, 2016 and 2015, respectively.

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Cash Flows from Operating Activities
Net Income	$ 25,888	$ 39,811
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	12,004	14,198
Amortization of deferred loan costs and debt discount	5,056	2,518
Cost of Revenue	230,421	145,720
Stock-based compensation expense	6,414	6,541
Deferred income taxes, net	(1,364)	(3,125)
Other	(151)	1,187
Changes in operating assets and liabilities:
Finance and service charges on loans and finance receivables	(12,043)	(2,133)
Other receivables and prepaid expenses	1,700	(3,830)
Accounts payable and accrued expenses	22,130	17,139
Current income taxes payable	10,652	(12,485)
Net cash provided by operating activities	300,707	205,541
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired	(987,255)	(829,653)
Loans and finance receivables repaid	651,865	630,969
Change in restricted cash	(32,776)
Acquisitions		(17,735)
Purchases of property and equipment	(11,466)	(28,684)
Other investing activities	72	10
Net cash used in investing activities	(379,560)	(245,093)
Cash Flows from Financing Activities
Borrowings under revolving line of credit	45,000
Repayments under revolving line of credit	(88,400)
Borrowings under securitization facility	218,961
Repayments under securitization facility	(82,008)
Debt issuance costs paid	(3,516)
Treasury shares purchased	(115)
Net cash provided by financing activities	89,922
Effect of exchange rates on cash	(7,454)	(1,244)
Net (decrease) increase in cash and cash equivalents	3,615	(40,796)
Cash and cash equivalents at beginning of year	42,066	75,106
Cash and cash equivalents at end of period	45,681	34,310
Supplemental Disclosures
Loans and finance receivables renewed	$ 238,696	175,197
Promissory note issued		$ 3,000

Significant Accounting Policies

Significant Accounting Policies	9 Months Ended
	Sep. 30, 2016
Accounting Policies [Abstract]
Significant Accounting Policies	1. Significant Accounting Policies Basis of Presentation On September 7, 2011, Cash America International, Inc. (“Cash America,” now known as FirstCash, Inc. due to its merger with First Cash Financial Services, Inc. on September 1, 2016), 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. The Company became an independent, publicly traded company on November 13, 2014 when 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”). 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. The Company consolidates any variable interest entity (“VIE”) where it has been determined it is the primary beneficiary. The primary beneficiary is the entity which has both the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance as well as the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE. The financial statements presented as of September 30, 2016 and 2015 and December 31, 2015 and for the three and nine-month periods ended September 30, 2016 and 2015 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 three and nine-month periods are not necessarily indicative of the results that may be expected for the full fiscal year. The Company operates an internet-based lending platform to serve customers in need of cash to fulfill their financial responsibilities. Through a network of direct and indirect marketing channels, the Company offers funds to its customers through a variety of unsecured loan and finance receivable products. The business is operated primarily through the internet to provide convenient, fully-automated financial solutions to its customers. The Company originates, arranges, guarantees or purchases consumer loans and provides financing to small businesses through a line of credit account or receivables purchase agreement product (“RPAs”). Consumer loans include short-term loans, line of credit accounts and installment loans. RPAs represent a right to receive future receivables from a small business. “Loans and finance receivables” include consumer loans, small business loans and RPAs. These financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2015 and 2014 and for the years ended December 31, 2015, 2014 and 2013 and related notes, which are included on Form 10-K filed with the SEC on March 7, 2016. Restricted Cash The Company includes funds to be used for future debt payments relating to its securitization transactions and escrow deposits in restricted cash and cash equivalents. 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”) (“CSO fees”), revenue on RPAs, service charges, draw fees, minimum billing fees, late fees and non-sufficient funds fees as 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. For line of credit accounts, interest is recognized over the reporting period based upon the balance outstanding and the contractual interest rate, draw fees are recognized on an effective yield basis over the estimated outstanding period of the draw, and minimum billing 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. For RPAs, revenue is recognized on an effective yield basis over the projected delivery term of the agreements and fees are recognized when assessed. CSO fees are recognized on an effective yield basis over the term of the loan. Late and nonsufficient funds fees are recognized when assessed to the customer. Direct costs associated with originating loans and purchasing RPAs, such as third-party customer acquisition costs, are deferred and amortized against revenue on an effective yield basis over the term of the loan or Adopted In November 2015, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2015-17, Balance Sheet Classification of Deferred Taxes The Company adopted In June 2015, the FASB issued ASU 2015-10, Technical Corrections and Improvements In April 2015, the FASB issued ASU 2015‑05, Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement Internal-Use Software In April 2015, the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs Presentation and subsequent measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements, In February 2015, the FASB issued ASU No. 2015-02, Consolidation (Topic 810) - Amendments to the Consolidation Analysis Accounting Standards to be Adopted in Future Periods In June 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments (a consensus of the Emerging Issues Task Force) , including adoption in an interim period In June 2016, the FASB issued ASU 2016-13, Measurement of Credit Losses on Financial Instruments In March 2016, the FASB issued ASU 2016-09, Improvements to Employee Share-Based Payment Accounting In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) In January 2016, the FASB issued ASU 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities (“ASU 2016‑01”), which requires that equity investments, except for those accounted for under the equity method or those that result in consolidation of the investee, be measured at fair value, with subsequent changes in fair value recognized in net income. However, an entity may choose to measure equity investments that do not have readily determinable fair values at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. ASU 2016-01 also impacts the presentation and disclosure requirements for financial instruments. ASU 2016-01 is effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. Early adoption is permitted only for certain provisions. The Company does not expect that the adoption of ASU 2016-01 will have a material effect on its consolidated financial statements. 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) Deferral of the Effective Date Principal versus Agent Considerations (Reporting Revenue Gross versus Net) Identifying Performance Obligations and Licensing Narrow-Scope Improvements and Practical Expedients,

Acquisitions

Acquisitions	9 Months Ended
	Sep. 30, 2016
Business Combinations [Abstract]
Acquisitions	2. Acquisitions On June 23, 2015, the Company completed the purchase of certain assets of a company operating as The Business Backer, LLC, which purchases discounted future accounts receivables from small businesses in the United States through RPAs. The total consideration of $26.4 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 $5.7 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 contingent purchase consideration is revalued each reporting period with changes in fair value of the contingent consideration obligations recognized as a gain or loss on fair value remeasurement in our consolidated statements of income. There was no change in fair value measurement of contingent consideration for the three and nine months ended September 30, 2016. 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	9 Months Ended
	Sep. 30, 2016
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 nine months ended September 30, 2016 and 2015 was as follows (dollars in thousands): Three Months Ended Nine Months Ended September 30, September 30, 2016 2015 2016 2015 Short-term loans $ 51,999 $ 54,549 $ 146,237 $ 153,905 Line of credit accounts 59,090 43,832 158,338 140,400 Installment loans and RPAs 84,823 66,409 237,320 181,604 Total loans and finance receivables revenue 195,912 164,790 541,895 475,909 Other 31 437 1,236 1,274 Total revenue $ 195,943 $ 165,227 $ 543,131 $ 477,183 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. 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 placed on a non-accrual status. The Company allows for normal payment processing time before considering 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 finance receivable portfolios and maintains either an allowance or liability for estimated losses on loans and finance receivables (including revenue, fees and/or interest) at a level estimated to be adequate to absorb losses inherent in the portfolio. The allowance for losses on the Company’s owned loans and finance receivables reduces the outstanding loans and finance receivables 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 account, installment loan and RPA 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 and the charge-off of a loan or RPA. 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 for loans and finance receivables once the receivable or a portion of the receivable has been classified as delinquent for 60 consecutive days and generally charges off loans and finance receivables between 60 – 65 days delinquent. If a loan or finance receivable is deemed uncollectible before it is fully reserved, it is charged off at that point. Loans and finance receivables classified as delinquent generally have an age of one to 64 days from the date any portion of the receivable became delinquent, as defined above. Recoveries on loans and finance receivables previously charged to the allowance are credited to the allowance when collected. The components of Company-owned loans and finance receivables at September 30, 2016 and 2015 and December 31, 2015 were as follows (dollars in thousands): As of September 30, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 35,815 $ 120,951 $ 412,010 $ 568,776 Delinquent receivables: Delinquent payment amounts (1) — 4,975 1,721 6,696 Receivables on non-accrual status 24,310 6,462 31,368 62,140 Total delinquent receivables 24,310 11,437 33,089 68,836 Total loans and finance receivables, gross 60,125 132,388 445,099 637,612 Less: Allowance for losses (17,726 ) (26,795 ) (50,226 ) (94,747 ) Loans and finance receivables, net $ 42,399 $ 105,593 $ 394,873 $ 542,865 As of September 30, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 40,832 $ 82,117 $ 269,129 $ 392,078 Delinquent receivables: Delinquent payment amounts (1) — 3,354 1,351 4,705 Receivables on non-accrual status 21,376 3,671 23,717 48,764 Total delinquent receivables 21,376 7,025 25,068 53,469 Total loans and finance receivables, gross 62,208 89,142 294,197 445,547 Less: Allowance for losses (14,895 ) (12,873 ) (36,974 ) (64,742 ) Loans and finance receivables, net $ 47,313 $ 76,269 $ 257,223 $ 380,805 As of December 31, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 37,951 $ 92,732 $ 317,231 $ 447,914 Delinquent receivables: Delinquent payment amounts (1) — 3,072 1,510 4,582 Receivables on non-accrual status 20,842 5,051 23,566 49,459 Total delinquent receivables 20,842 8,123 25,076 54,041 Total loans and finance receivables, gross 58,793 100,855 342,307 501,955 Less: Allowance for losses (14,652 ) (15,727 ) (36,943 ) (67,322 ) Loans and finance receivables, net $ 44,141 $ 85,128 $ 305,364 $ 434,633 (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 finance receivables and the liability for losses on the Company’s guarantees of third-party lender-owned loans during the three and nine months ended September 30, 2016 and 2015 were as follows (dollars in thousands): Three Months Ended September 30, 2016 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 $ 13,354 $ 18,029 $ 42,437 $ 73,820 Cost of revenue 20,464 29,739 45,293 95,496 Charge-offs (21,301 ) (24,639 ) (44,804 ) (90,744 ) Recoveries 5,345 3,666 7,421 16,432 Effect of foreign currency translation (136 ) — (121 ) (257 ) Balance at end of period $ 17,726 $ 26,795 $ 50,226 $ 94,747 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,392 $ — $ 441 $ 1,833 Increase (decrease) in liability 66 — (172 ) (106 ) Balance at end of period $ 1,458 $ — $ 269 $ 1,727 Three Months Ended September 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 $ 14,196 $ 9,091 $ 27,974 $ 51,261 Cost of revenue 18,106 13,048 33,912 65,066 Charge-offs (22,133 ) (14,218 ) (30,706 ) (67,057 ) Recoveries 4,907 4,956 6,153 16,016 Effect of foreign currency translation (181 ) (4 ) (359 ) (544 ) Balance at end of period $ 14,895 $ 12,873 $ 36,974 $ 64,742 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,276 $ — $ 152 $ 1,428 Increase in liability 209 — 339 548 Balance at end of period $ 1,485 $ — $ 491 $ 1,976 Nine Months Ended September 30, 2016 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 $ 14,652 $ 15,727 $ 36,943 $ 67,322 Cost of revenue 47,860 63,461 119,128 230,449 Charge-offs (59,664 ) (63,236 ) (127,473 ) (250,373 ) Recoveries 15,448 10,843 21,217 47,508 Effect of foreign currency translation (570 ) — 411 (159 ) Balance at end of period $ 17,726 $ 26,795 $ 50,226 $ 94,747 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,298 $ — $ 458 $ 1,756 Increase (decrease) in liability 160 — (189 ) (29 ) Balance at end of period $ 1,458 $ — $ 269 $ 1,727 Nine Months Ended September 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 44,547 25,731 75,042 145,320 Charge-offs (59,705 ) (48,791 ) (87,264 ) (195,760 ) Recoveries 15,888 16,372 18,782 51,042 Effect of foreign currency translation (159 ) (188 ) (461 ) (808 ) Balance at end of period $ 14,895 $ 12,873 $ 36,974 $ 64,742 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,575 $ — $ 1 $ 1,576 (Decrease) increase in liability (90 ) — 490 400 Balance at end of period $ 1,485 $ — $ 491 $ 1,976 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 September 30, 2016 and 2015 and December 31, 2015, the amount of consumer loans guaranteed by the Company was $29.7 million, $36.7 million and $34.1 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 $1.7 million, $2.0 million and $1.7 million, as of September 30, 2016 and 2015 and December 31, 2015, respectively, is included in “Accounts payable and accrued expenses” in the consolidated balance sheets. Bank Program Loans In order to leverage its online lending platform, the Company launched a program with a bank in March 2016 to provide technology, marketing services, and loan servicing for near-prime unsecured consumer installment loans. Under the program, the Company receives marketing and servicing fees while the bank receives an origination fee. The bank has the ability to sell the loans it originates to the Company. The Company does not guarantee the performance of the loans originated by the bank.

Investment in Unconsolidated In

Investment in Unconsolidated Investee	9 Months Ended
	Sep. 30, 2016
Investments All Other Investments [Abstract]
Investment in Unconsolidated Investee	4. Investment in Unconsolidated Investee The Company records an investment in the preferred stock of a privately-held developing small business financial services entity under the cost method. The carrying value of the Company’s investment in this unconsolidated investee was $6.7 million as of September 30, 2016 and 2015 and December 31, 2015, 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 evaluation of this investment at September 30, 2016, the Company determined that an impairment loss was not probable at that date.

Long-term Debt

Long-term Debt	9 Months Ended
	Sep. 30, 2016
Debt Disclosure [Abstract]
Long-term Debt	5. Long-term debt The Company’s long-term debt instruments and balances outstanding as of September 30, 2016 and 2015 and December 31, 2015 were as follows (dollars in thousands): September 30, December 31, 2016 2015 2015 Securitization notes $ 136,953 $ — $ — Revolving line of credit 15,000 — 58,400 Senior Notes 495,427 494,690 494,867 Subtotal 647,380 494,690 553,267 Less: Long-term debt issuance costs (12,201 ) (11,882 ) (11,358 ) Total long-term debt $ 635,179 $ 482,808 $ 541,909 Consumer Loan Securitization On January 15, 2016, the Company and certain of its subsidiaries entered into a receivables securitization (the “2016-1 Securitization Facility”) with certain purchasers, Jefferies Funding LLC, as administrative agent (the “Administrative Agent”) and Bankers Trust Company, as indenture trustee and securities intermediary (the “Indenture Trustee”). The 2016-1 Securitization Facility securitizes unsecured consumer installment loans (“Receivables”) that have been, or will be, originated or acquired under the Company’s NetCredit brand and that meet specified eligibility criteria. Under the 2016-1 Securitization Facility, Receivables are sold to EFR 2016-1, LLC, a wholly-owned special purpose subsidiary (the “Issuer”), and serviced by another subsidiary. The Issuer issued an initial term note of $107.4 million (the “Initial Term Note”), which was secured by $134 million in unsecured consumer loans, and variable funding notes (the “Variable Funding Notes”) with an aggregate availability of $20 million per month. As described below, the Issuer has issued and will subsequently issue term notes (the “Term Notes” and, together with the Initial Term Note and the Variable Funding Notes, the “Securitization Notes”). The maximum principal amount of the Securitization Notes that may be outstanding at any time under the 2016-1 Securitization Facility is limited to $175 million. At the end of each month during the nine-month revolving period, the Receivables funded by the Variable Funding Notes have been and will be refinanced through the creation of two Term Notes, which Term Notes have been and will be issued to the holders of the Variable Funding Notes. The non-recourse Securitization Notes mature at various dates, the latest of which will be October 15, 2020 (the “Final Maturity Date”). The Securitization Notes are issued pursuant to an indenture, dated as of January 15, 2016 (the “Closing Date”). The Securitization Notes bear interest at an annual rate equal to the one month London Interbank Offered Rate (“LIBOR”) (subject to a floor of 1%) plus 7.75%, which rate is initially 8.75%. In addition, the Issuer paid certain customary upfront closing fees and will pay customary annual commitment and other fees to the purchasers under the 2016-1 Securitization Facility. Subject to certain exceptions, the Issuer is not permitted to prepay or redeem any outstanding Securitization Notes prior to October 17, 2016. Following such date, the Issuer is permitted to voluntarily prepay any outstanding Securitization Notes, subject to an optional redemption premium. Interest and principal payments on outstanding Securitization Notes will be made monthly. Any remaining amounts outstanding will be payable no later than the Final Maturity Date. All amounts due under the Securitization Notes are secured by all of the Issuer’s assets, which include the Receivables transferred to the Issuer, related rights under the Receivables, specified bank accounts, and certain other related collateral. The 2016-1 Securitization Facility documents contain customary provisions for securitizations, including: representations and warranties as to the eligibility of the Receivables and other matters; indemnification for specified losses not including losses due to the inability of consumers to repay their loans; covenants regarding special purpose entity matters and other subjects; and default and termination provisions which provide for the acceleration of the Securitization Notes under the 2016-1 Securitization Facility in circumstances including, but not limited to, failure to make payments when due, servicer defaults, certain insolvency events, breaches of representations, warranties or covenants, failure to maintain the security interest in the receivables, defaults under other material indebtedness and certain regulatory matters. On July 26, 2016, the Company and certain of its subsidiaries entered into a First Omnibus Amendment (the “First Amendment”) of the 2016-1 Facility that was established on the Closing Date, pursuant to various agreements with certain purchasers, the Administrative Agent and the Indenture Trustee. The agreements evidencing the 2016-1 Facility, all dated as of the Closing Date, include (i) an Indenture between the Issuer and the Indenture Trustee, (ii) a Note Purchase Agreement among the Issuer, NetCredit Loan Services, LLC (f/k/a Enova Lending Services, LLC), as the Master Servicer, the Administrative Agent and certain purchasers, and (iii) a Receivables Purchase Agreement between the Company and Enova Finance 5, LLC. The First Amendment effected a variety of minor technical changes to the Indenture, the Note Purchase Agreement, the Receivables Purchase Agreement and the servicing agreement for the 2016-1 Facility. These changes include revised procedures under the Note Purchase Agreement for the disbursement to the Issuer of proceeds from draws under the variable funding notes and clarification of modifications that the servicer is permitted to effect to the terms of consumer installment loans that have been transferred into the EFR 2016-1 Facility. On August 17, 2016, the Company and one of its subsidiaries entered into an Amendment to the Receivables Purchase Agreement. This amendment modified an eligibility criterion for receivables that the Company sells under the Agreement. On September 12, 2016, the Company and certain of its subsidiaries entered into a Second Omnibus Amendment (the “Second Amendment”) to amend the Indenture and Receivables Purchase Agreement. The Second Amendment authorized the Company to include in the 2016-1 Facility receivables originated by a state-chartered bank and acquired by a subsidiary of the Company from that bank, and it adjusted the Investment Pool Cumulative Net Loss Trigger for the Initial Term Note Investment Pool (as such terms are defined in the Indenture), which was the seasoned pool of receivables securitized under the 2016-1 Facility on the Closing Date. As of September 30, 2016, the carrying amount of the 2016-1 Securitization Facility was $134.5 million, which included unamortized issuance costs of $2.4 million. The issuance costs are being amortized to interest expense over a period of four years. The total interest expense recognized was $9.5 million of which $2.6 million represented the non-cash amortization of the issuance costs for the nine months ended September 30, 2016. $35.0 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 was amended on March 25, 2015 and November 5, 2015. On December 29, 2015, the Company and certain of its domestic subsidiaries, as guarantors, entered into a third amendment to the Credit Agreement, which temporarily increased the Company’s revolving line of credit to $75 million, an increase of $15.0 million ($5.0 million on December 29, 2015 and $10.0 million on January 4, 2016). Once the Company received the proceeds from the consumer loan securitization financing in January 2016, it repaid the outstanding balance on the revolving line of credit in full and, in accordance with the terms of the amendment, the revolving commitment amount was reduced to $40.0 million. On June 30, 2016, the Company and certain of its domestic subsidiaries, as guarantors, entered into a fourth amendment to the Credit Agreement, which increased the maximum allowable leverage ratio (as defined in the credit agreement) for the fiscal quarter ended June 30, 2016 to 4.00 to 1.00 (from 3.00 to 1.00) and for the fiscal quarters ended September 30, 2016 and December 31, 2016 to 3.50 to 1.00 (in each case, from 3.00 to 1.00). On September 30, 2016, the Company and certain of its domestic subsidiaries, as guarantors, entered into a fifth amendment to the Credit Agreement, which increased the maximum allowable leverage ratio (as defined in the credit agreement) for the fiscal quarters ended September 30, 2016 and thereafter to 4.25 to 1.00 (from 3.50 to 1.00) and decreased the Company’s unsecured revolving line of credit by $5.0 million from $40.0 million to $35.0 million. The Company had $15.0 million and $58.4 million outstanding under the Credit Agreement as of September 30, 2016 and December 31, 2015, respectively. There were no outstanding borrowings under the Credit Agreement as of September 30, 2015. The Credit Agreement also includes a sub-limit of up to $20.0 million for standby or commercial letters of credit. 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. The Company had outstanding letters of credit of $6.6 million under its Credit Agreement as of September 30, 2016 and 2015 and December 31, 2015. In connection with the issuance of the Credit Agreement, as amended, 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 September 30, 2016 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 and will mature on June 1, 2021. As of September 30, 2016 and 2015, the carrying amount of the Senior Notes was $485.6 million and $482.8 million, respectively, which included an unamortized discount of $4.6 million and $5.3 million, respectively, and unamortized issuance costs of $9.8 million and $11.9 million, respectively. The discount and issuance costs are 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 $38.7 million for each of the nine months ended September 30, 2016 Weighted-average interest rates on long-term debt were 10.75% and 10.70% during the nine months ended September 30, 2016 and 2015, respectively. As of September 30, 2016 and 2015 and

Income Taxes

Income Taxes	9 Months Ended
	Sep. 30, 2016
Income Tax Disclosure [Abstract]
Income Taxes	6. Income Taxes During the three months ended March 31, 2016, the Company identified an error in the income tax provision for the twelve months ended December 31, 2015 in which the Company did not recognize additional tax expense related to the significant decline in the intrinsic value of restricted stock units that vested in December 2015 and thus overstated the deferred tax asset related to those units. The Company recorded an $887 thousand increase in the provision for income taxes in 2016 as an out of period adjustment. The Company believes this correction of an error was not material to the previously-issued full year 2015 consolidated financial statements. The effective tax rate for the nine months ended September 30, 2016 increased to 39.6% from 36.5% for the nine months ended September 30, 2015, primarily as a result of the adjustment to the deferred tax asset.

Earnings Per Share

Earnings Per Share	9 Months Ended
	Sep. 30, 2016
Earnings Per Share [Abstract]
Earnings Per Share	7. 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 nine months ended September 30, 2016 and 2015 (in thousands, except per share amounts): Three Months Ended Nine Months Ended September 30, September 30, 2016 2015 2016 2015 Numerator: Net income $ 7,837 $ 4,417 $ 25,888 $ 39,811 Denominator: Total weighted average basic shares 33,211 33,000 33,176 33,000 Shares applicable to stock-based compensation 347 22 184 15 Total weighted average diluted shares 33,558 33,022 33,360 33,015 Net income – basic $ 0.24 $ 0.13 $ 0.78 $ 1.21 Net income – diluted $ 0.23 $ 0.13 $ 0.78 $ 1.21 For the three months ended September 30, 2016 and 2015 nine months ended September 30, 2016 and 2015

Operating Segment Information

Operating Segment Information	9 Months Ended
	Sep. 30, 2016
Segment Reporting [Abstract]
Operating Segment Information	8. Operating Segment Information The Company provides online financial services to alternative credit consumers and small businesses in the United States, United Kingdom and Brazil and has one reportable segment, which is composed of the Company’s domestic and international operations and corporate services. 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. During the first quarter of 2016, the Company changed the presentation of its operational information to report shared corporate services separately from its domestic and international operations. Corporate services expenses, which were previously allocated between domestic and international based on revenue, are included under the “Corporate Services” heading in the following tables. For comparison purposes, income (loss) from operations and depreciation and amortization expenses for the prior period have been conformed to the current presentation. Corporate Services primarily includes personnel, occupancy and other operating expenses for shared functions, such as executive management, technology, analytics, business development, legal and licensing, compliance, risk management, internal audit, human resources, payroll, treasury, finance, accounting, and tax. Corporate Services assets primarily include: corporate property and equipment, nonqualified savings plan assets, marketable securities, restricted cash and prepaid expenses. The following tables present information on the Company’s domestic, international operations and corporate services as of and for the three and nine months ended September 30, 2016 and 2015 (dollars in thousands): Three Months Ended Nine Months Ended September 30, September 30, 2016 2015 2016 2015 Revenue Domestic $ 165,330 $ 133,661 $ 449,100 $ 366,134 International 30,613 31,566 94,031 111,049 Total revenue $ 195,943 $ 165,227 $ 543,131 $ 477,183 Income from operations Domestic $ 44,015 $ 37,327 $ 148,717 $ 141,281 International 5,659 2,799 16,136 37,822 Corporate services (21,577 ) (21,180 ) (76,100 ) (75,707 ) Total income from operations $ 28,097 $ 18,946 $ 88,753 $ 103,396 Depreciation and amortization Domestic $ 1,385 $ 1,441 $ 4,552 $ 6,103 International 409 581 1,813 1,663 Corporate services 1,995 1,860 5,639 6,432 Total depreciation and amortization $ 3,789 $ 3,882 $ 12,004 $ 14,198 Expenditures for property and equipment Domestic $ 2,395 $ 1,575 $ 5,425 $ 4,236 International 1,043 744 2,489 2,367 Corporate services 379 (137 ) 3,552 22,081 Total expenditures for property and equipment $ 3,817 $ 2,182 $ 11,466 $ 28,684 September 30, 2016 2015 Property and equipment, net Domestic $ 19,259 $ 14,231 International 5,094 5,350 Corporate services 23,133 29,233 Total property and equipment, net $ 47,486 $ 48,814 Assets Domestic $ 823,737 $ 604,426 International 98,842 112,078 Corporate services 52,500 63,668 Total assets $ 975,079 $ 780,172 Geographic Information The following table presents the Company’s revenue by geographic region for the three and nine months ended September 30, 2016 and 2015 (dollars in thousands): Three Months Ended Nine Months Ended September 30, September 30, 2016 2015 2016 2015 Revenue United States $ 165,330 $ 133,661 $ 449,100 $ 366,134 United Kingdom 26,793 28,236 78,882 102,621 Other international countries 3,820 3,330 15,149 8,428 Total revenue $ 195,943 $ 165,227 $ 543,131 $ 477,183 The Company’s long-lived assets, which consist of the Company’s property and equipment, were $47.5 million and $48.8 million at September 30, 2016 and 2015, 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	9 Months Ended
	Sep. 30, 2016
Commitments And Contingencies Disclosure [Abstract]
Commitments and Contingencies	9. 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 July 20, 2015, the court granted the Company’s motion for summary judgment, denied Plaintiff’s motion for summary judgment and, on July 21, 2015, entered judgment in favor of the Company. Plaintiff filed a motion for reconsideration, which was denied. On May 3, 2016, Plaintiff filed a notice of appeal of the order granting summary judgment for the Company, the judgment in favor of the company, and the order denying Plaintiff’s motion to reconsider. Plaintiff filed his appellate brief on September 9, 2016. Neither the likelihood of an unfavorable appellate decision 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, for this litigation. The Company believes that the Plaintiff’s claims in the complaint are without merit and intends to vigorously defend this lawsuit. 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 During 2014 the Company accelerated the lease expiration date for approximately 86,000 rentable square feet at its prior headquarters office space effective June 30, 2015. The Company relocated to its current headquarters in 2015 and recognized an expense of $3.7 million which was included as “General and administrative expense” and consisted of a lease exit liability of $2.9 million for the remaining lease payments, net of estimated sublease income of $1.7 million, and $0.8 million for the removal of property and restoration costs related to the prior headquarters lease. During the nine months ended September 30, 2016, the Company recorded additional expense of $0.3 million reflecting adjustments to prior estimates. 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 for the nine months ended September 30, 2016 and the twelve months ended December 31, 2015 (in thousands): Lease Termination Costs Other Exit Costs Total Balance at January 1, 2015 $ 707 $ — $ 707 Additions 2,861 808 3,669 Payments (2,143 ) (604 ) (2,747 ) Balance at December 31, 2015 $ 1,425 $ 204 $ 1,629 Balance at January 1, 2016 $ 1,425 $ 204 $ 1,629 Payments (856 ) — (856 ) Adjustments 403 (69 ) 334 Balance at September 30, 2016 $ 972 $ 135 $ 1,107

Derivative Instruments

Derivative Instruments	9 Months Ended
	Sep. 30, 2016
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Derivative Instruments	10 . 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 periodically uses forward currency exchange contracts to minimize the effects of foreign currency risk in the United Kingdom. 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 gain (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 Brazil. The Company’s derivative instruments are presented in its financial statements on a net basis. The Company had no outstanding derivative instruments as of September 30, 2016. The following table presents information related to the Company’s derivative instruments as of September 30, 2015 and December 31, 2015 (dollars in thousands): Non-designated derivatives: As of September 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 $ 15,540 $ 10 $ — $ 10 Liabilities $ — $ — $ — $ — As of December 31, 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 $ 58,723 $ 151 $ — $ 151 Liabilities $ — $ — $ — $ — (1) As of September 30, 2015 and December 31, 2015, 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 assets or 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 and nine months ended September 30, 2016 and 2015 (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 September 30, September 30, September 30, 2016 2015 2016 2015 2016 2015 Non-designated derivatives: Forward currency exchange contracts (1) $ — $ 611 $ — $ — $ — $ — Total $ — $ 611 $ — $ — $ — $ — Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Nine Months Ended Nine Months Ended Nine Months Ended September 30, September 30, September 30, 2016 2015 2016 2015 2016 2015 Non-designated derivatives: Forward currency exchange contracts (1) $ 3,020 $ 2,807 $ — $ — $ — $ — Total $ 3,020 $ 2,807 $ — $ — $ — $ — (1) The gains (losses) on these derivatives substantially offset the (losses) gains on the economically hedged portion of the foreign intercompany balances.

Related Party Transactions

Related Party Transactions	9 Months Ended
	Sep. 30, 2016
Related Party Transactions [Abstract]
Related Party Transactions	11. Related Party Transactions A current officer of the Company has an ongoing ownership interest in the small business from which the Company acquired certain assets and assumed certain liabilities in June 2015 (see Note 2 for additional information). In the normal course of business, the Company attains certain customer relationships from the small business by entering into transactions with the customers to provide additional RPA financing. In these transactions, the Company satisfies the customer’s existing RPA balance with the small business which terminates such customer’s responsibilities to the small business. During the nine months ended September 30, 2016 and 2015, the Company paid $0.4 million and $5.8 million, respectively, to the small business to satisfy customers’ existing RPA balances. Pursuant to the acquisition, a subsidiary of the Company issued a promissory note to the small business in the amount of $3.0 million (the “Promissory Note”) and granted the company an opportunity to earn certain contingent purchase consideration (see Note 2 for additional information), both of which are guaranteed by the Company. The Promissory Note accrues interest at a rate of 4.0% per annum and will mature on June 23, 2018. During the nine months ended September 30, 2016 and 2015, the Company incurred interest expense of $91 thousand and $33 thousand, respectively, related to the Promissory Note. In addition, as a condition precedent to the acquisition, a subsidiary of the Company executed a Transition Services Agreement with the small business from which the Company acquired certain assets whereby it agreed to provide certain transition services to the business for three years following the acquisition. During the nine months ended September 30, 2016 and 2015, the Company was paid $27 thousand and $68 thousand, respectively, for such services. After the Spin-off, Cash America charged the Company a transition services fee related to utilization of financial reporting systems and accounts payable processing that was included in general and administrative expenses. The Company recorded $0.4 million in expense for these services for the nine months ended September 30, 2015. The Company transitioned to its own financial reporting system in late 2015, and the transition services agreement with Cash America ended on December 31, 2015. The Company and Cash America entered into an agreement in conjunction with the Spin-off for the Company to administer the consumer loan underwriting model utilized by Cash America’s Retail Services Division in exchange for a fee per transaction paid to the Company as well as the reimbursement of the Company’s direct third-party costs incurred in providing the service. The Company received $0.7 million and $0.9 million for the nine months ended September 30, 2016 and 2015, respectively, pursuant to this agreement. Since May 30, 2014, amounts due from or due to Cash America or FirstCash have been settled a month in arrears. The balance due from Cash America of $0.1 million as of each of September 30, 2015 December 31, 2015 September 30, 2016

Variable Interest Entities

Variable Interest Entities	9 Months Ended
	Sep. 30, 2016
Variable Interest Entities [Abstract]
Variable Interest Entities	12. Variable Interest Entities As part of the Company’s overall funding strategy and as part of its efforts to support its liquidity from sources other than its traditional capital market sources, the Company has established a securitization program through the 2016-1 Securitization Facility. The Company transferred certain consumer loan receivables to wholly owned, bankruptcy-remote special purpose subsidiaries (VIEs), which issue term notes backed by the underlying consumer loan receivables and are serviced by another wholly owned subsidiary. The Company is required to evaluate the VIEs for consolidation. The Company has the ability to direct the activities of the VIEs that most significantly impact the economic performance of the entities as the servicer of the securitized loan receivables. Additionally, the Company has the right to receive residual payments, which expose it to potentially significant losses and returns. Accordingly, the Company determined it is the primary beneficiary of the VIEs and is required to consolidate them. The assets and liabilities related to the VIEs are included in the Company’s consolidated financial statements and are accounted for as secured borrowings. The Company parenthetically discloses on its consolidated balance sheets the VIE’s assets that can only be used to settle the VIE’s obligations and the VIE liabilities if the VIE’s creditors have no recourse against the Company’s general credit. The carrying amounts of consolidated VIE assets and liabilities associated with the Company’s securitization entities were as follows (dollars in thousands): September 30, December 31, 2016 2015 2015 Assets Cash and cash equivalents $ 105 $ — $ — Restricted cash and cash equivalents 18,119 — — Loans and finance receivables, net 176,016 — — Other receivables and prepaid expenses 3 — — Total assets $ 194,243 $ — $ — Liabilities Accounts payable and accrued expenses $ 991 $ — $ — Long-term debt 134,537 — — Total liabilities $ 135,528 $ — $ —

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2016
Fair Value Disclosures [Abstract]
Fair Value Measurements	13. Fair Value Measurements Recurring Fair Value Measurements In accordance with ASC 820, Fair Value Measurements and Disclosures, certain of the Company’s assets and liabilities, which are carried at fair value, are classified in one of the following three categories: 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. During the nine months ended September 30, 2016 and 2015, there were no transfers of assets or liabilities in or out of Level 1, Level 2 or Level 3 fair value measurements. It is the Company’s policy to value any transfers between levels of the fair value hierarchy based on end of period fair values. The Company’s financial assets and liabilities that are measured at fair value on a recurring basis as of September 30, 2016 and 2015 and December 31, 2015 are as follows (dollars in thousands): September 30, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,528 1,528 — — Contingent consideration (5,658 ) — — (5,658 ) Total $ (4,130 ) $ 1,528 $ — $ (5,658 ) September 30, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ 10 $ — $ 10 $ — Non-qualified savings plan assets (1) 1,015 1,015 — — Contingent consideration (6,140 ) — — (6,140 ) Total $ (5,115 ) $ 1,015 $ 10 $ (6,140 ) December 31, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ 151 $ — $ 151 $ — Non-qualified savings plan assets (1) 1,075 1,075 — — Contingent consideration (5,658 ) — — (5,658 ) Total $ (4,432 ) $ 1,075 $ 151 $ (5,658 ) (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 nonqualified savings plan assets are measured under a Level 1 input. These assets are publicly traded equity securities for which market prices are readily observable. 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 6,140 6,140 Balance at September 30, 2015 $ 6,140 $ 6,140 Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Contingent consideration Total Balance at December 31, 2015 $ 5,658 $ 5,658 Adjustments — — Balance at September 30, 2016 $ 5,658 $ 5,658 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 September 30, 2016 and 2015 and December 31, 2015 Financial Assets and Liabilities Not Measured at Fair Value The Company’s financial assets and liabilities as of September 30, 2016 and 2015 and December 31, 2015 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands): Balance at September 30, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 45,681 $ 45,681 $ — $ — Short-term loans and line of credit accounts, net (1) 147,992 — — 147,992 Installment loans and RPAs, net (1)(4) 394,873 — — 448,111 Restricted cash (5) 39,272 39,272 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 634,521 $ 84,953 $ — $ 602,806 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,727 $ — $ — $ 1,727 Promissory note 3,000 — — 3,076 Credit agreement borrowings 15,000 — — 15,000 Securitization Notes 136,953 — 139,911 — Senior Notes 495,427 — 455,875 — Total $ 652,107 $ — $ 595,786 $ 19,803 Balance at September 30, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 34,310 $ 34,310 $ — $ — Short-term loans and line of credit accounts, net (1) 123,582 — — 123,582 Installment loans and RPAs, net (1) 257,223 — — 257,223 Restricted cash 7,586 7,586 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 429,404 $ 41,896 $ — $ 387,508 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,976 $ — $ — $ 1,976 Promissory note 3,000 — — 2,995 Senior Notes 494,690 — 421,250 — Total $ 499,666 $ — $ 421,250 $ 4,971 Balance at December 31, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 42,066 $ 42,066 $ — $ — Short-term loans and line of credit accounts, net (1) 129,269 — — 129,269 Installment loans and RPAs, net (1) 305,364 — — 283,700 Restricted cash 7,379 7,379 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 490,781 $ 49,445 $ — $ 419,672 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,756 $ — $ — $ 1,756 Promissory note 3,000 — — 2,984 Credit agreement borrowings 58,400 — — 58,400 Senior Notes 494,867 — 374,500 — Total $ 558,023 $ — $ 374,500 $ 63,140 (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) Investment in unconsolidated investee is included in “Other assets” in the consolidated balance sheets. (3) See Note 4 for additional information related to the investment in unconsolidated investee. (4) Installment loan and RPAs, net include $176.0 million in net assets of consolidated VIEs as of September 30, 2016. (5) Restricted cash includes $18.1 million in assets of consolidated VIEs as of September 30, 2016. Cash and cash equivalents and restricted cash bear interest at market rates and have original maturities of less than 90 days. The carrying amount of restricted cash and cash equivalents approximates fair value. 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. Short-term loans and line of credit accounts have relatively short maturity periods that are generally 12 months or less. The unobservable inputs used to calculate the fair value of these receivables include historical loss rates, recent default trends and estimated remaining loan term; therefore, the carrying value approximates the fair value. The fair value of installment loans and RPAs is estimated using discounted cash flow analyses, which consider interest rates on loans and discounts offered for receivables with similar terms to customers with similar credit quality, the timing of expected payments, estimated customer default rates and/or valuations of comparable portfolios. As of September 30, 2016, the fair value of the Company’s installment loans and RPAs was greater than the carrying value of these loans and finance receivables, and as of December 31, 2015, the fair value of the Company’s installment loans and RPAs was lower than the carrying value of these loans and finance receivables. This variance is a result of a change in the valuation technique used for certain portions of the installment loan and RPA portfolio. Unsecured installment loans typically have terms between two and 60 months. RPAs typically have estimated delivery terms between six and 18 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 $1.7 million, $2.0 million and $1.7 million as of September 30, 2016 and 2015 and December 31, 2015, 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 the Promissory Note using Level 3 inputs. The fair value of the Promissory Note is estimated using a discounted cash flow analysis. As of September 30, 2016, the Promissory Note had a higher fair value than the carrying value. As of September 30, 2015 and December 31, 2015, the Promissory Note had a lower fair value than the carrying value. The Company measures the fair value of its Securitization Notes using Level 2 inputs. The fair value of the Company’s Senior Notes is estimated based on quoted prices in markets that are not active. As of September 30, 2016, the fair value of the Company’s Securitization Notes approximated the carrying value. The Company measures the fair value of its Credit Agreement borrowings using Level 3 inputs. The Company considered the fair value of its other long-term debt and the timing of expected payment(s). As of September 30, 2016 and December 31, 2015, the fair value of the Company’s Credit Agreement borrowings approximated the carrying value. The Company measures the fair value of its Senior Notes using Level 2 inputs. The fair value of the Company’s Senior Notes is estimated based on quoted prices in markets that are not active. As of September 30, 2016 and 2015 and December 31, 2015, 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. The Company measures the fair value of its investment in unconsolidated investee using Level 3 inputs. Because the unconsolidated investee is a private company and financial information is limited, the Company estimates the fair value based on the best available information at the measurement date. As of September 30, 2016 and 2015 and December 31, 2015 the Company estimated the fair value of its investment to be approximately equal to the book value.

Condensed Consolidating Financi

Condensed Consolidating Financial Statements	9 Months Ended
	Sep. 30, 2016
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Condensed Consolidating Financial Statements	14. Condensed Consolidating Financial Statements The Company’s Notes are unconditionally guaranteed by certain of the Company’s subsidiaries (the “Guarantor Subsidiaries”) and are not secured by its other subsidiaries (the “Non-Guarantor Subsidiaries”). The Guarantor Subsidiaries are 100% owned, all guarantees are full and unconditional, and all guarantees are joint and several. As a result of the guarantee arrangements, the Company is required, in accordance with Rule 3-10 of Regulation S-X, to present the following condensed consolidating financial statements. The condensed consolidating financial statements reflect the investments in subsidiaries of the Company using the equity method of accounting. The principal elimination entries eliminate investments in subsidiaries and intercompany balances and transactions. Condensed consolidating financial statements of Enova International, Inc. (the “Parent”), its Guarantor Subsidiaries and Non-Guarantor Subsidiaries as of September 30, 2016 and 2015 and December 31, 2015 and for the periods ended September 30, 2016 and 2015 are shown on the following pages. CONDENSED CONSOLIDATING BALANCE SHEETS As of September 30, 2016 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 43,127 $ 2,554 $ — $ 45,681 Restricted cash — 21,152 18,120 — 39,272 Loans and finance receivables, net — 358,142 184,723 — 542,865 Income taxes receivable — — — — — Other receivables and prepaid expenses 141 18,222 286 — 18,649 Property and equipment, net — 47,050 436 — 47,486 Goodwill — 267,012 — — 267,012 Intangible assets, net — 5,670 5 — 5,675 Investment in subsidiaries 278,999 22,358 — (301,357 ) — Intercompany receivable 413,472 — — (413,472 ) — Other assets 460 7,979 — — 8,439 Total assets $ 693,072 $ 790,712 $ 206,124 $ (714,829 ) $ 975,079 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 16,386 $ 67,931 $ 1,116 $ — $ 85,433 Intercompany payables — 357,650 55,826 (413,476 ) — Income taxes currently payable (56,364 ) 61,521 (8 ) — 5,149 Deferred tax liabilities, net (677 ) 17,394 (484 ) — 16,233 Long-term debt 500,642 — 134,537 — 635,179 Total liabilities 459,987 504,496 190,987 (413,476 ) 741,994 Commitments and contingencies Stockholders' equity 233,085 286,216 15,137 (301,353 ) 233,085 Total liabilities and stockholders' equity $ 693,072 $ 790,712 $ 206,124 $ (714,829 ) $ 975,079 CONDENSED CONSOLIDATING BALANCE SHEETS As of September 30, 2015 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 32,408 $ 1,902 $ — $ 34,310 Restricted cash — 7,586 — — 7,586 Loans and finance receivables, net — 379,087 1,718 — 380,805 Income taxes receivable 36,400 (30,700 ) (17 ) — 5,683 Other receivables and prepaid expenses 205 19,502 71 — 19,778 Property and equipment, net — 48,646 168 — 48,814 Goodwill — 271,568 — — 271,568 Intangible assets, net — 3,689 9 — 3,698 Investment in subsidiaries 221,265 12,021 — (233,286 ) — Intercompany receivable 439,587 5 — (439,592 ) — Other assets 908 7,022 — — 7,930 Total assets $ 698,365 $ 750,834 $ 3,851 $ (672,878 ) $ 780,172 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 16,281 $ 62,468 $ 332 $ — $ 79,081 Intercompany payables — 439,587 5 (439,592 ) — Deferred tax liabilities — 19,007 — — 19,007 Long-term debt 482,808 — — — 482,808 Total liabilities 499,089 521,062 337 (439,592 ) 580,896 Commitments and contingencies Stockholders' equity 199,276 229,772 3,514 (233,286 ) 199,276 Total liabilities and stockholders' equity $ 698,365 $ 750,834 $ 3,851 $ (672,878 ) $ 780,172 CONDENSED CONSOLIDATING BALANCE SHEETS As of December 31, 2015 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 40,927 $ 1,139 $ — $ 42,066 Restricted cash — 7,379 — — 7,379 Loans and finance receivables, net — 430,862 3,771 — 434,633 Income taxes receivable 37,201 (31,709 ) 11 — 5,503 Other receivables and prepaid expenses 162 19,791 96 — 20,049 Property and equipment, net — 47,821 234 — 48,055 Goodwill — 267,008 — — 267,008 Intangible assets, net — 6,532 8 — 6,540 Investment in subsidiaries 233,632 14,177 — (247,809 ) — Intercompany receivable 480,112 — 794 (480,906 ) — Other assets 2,284 7,020 — — 9,304 Total assets $ 753,391 $ 809,808 $ 6,053 $ (728,715 ) $ 840,537 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 5,514 $ 66,220 $ 407 $ — $ 72,141 Intercompany payables — 480,906 — (480,906 ) — Deferred tax liabilities, net — 20,562 (43 ) — 20,519 Long-term debt 541,909 — — — 541,909 Total liabilities 547,423 567,688 364 (480,906 ) 634,569 Commitments and contingencies Stockholders' equity 205,968 242,120 5,689 (247,809 ) 205,968 Total liabilities and stockholders' equity $ 753,391 $ 809,808 $ 6,053 $ (728,715 ) $ 840,537 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended September 30, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 170,288 $ 24,157 $ 1,498 $ 195,943 Cost of Revenue — 78,283 17,108 — 95,391 Gross Profit — 92,005 7,049 1,498 100,552 Expenses Marketing — 26,348 374 — 26,722 Operations and technology — 19,505 1,132 — 20,637 General and administrative 37 18,539 1,233 1,498 21,307 Depreciation and amortization — 3,761 28 — 3,789 Total Expenses 37 68,153 2,767 1,498 72,455 Income (Loss) from Operations (37 ) 23,852 4,282 — 28,097 Interest expense, net (13,342 ) (123 ) (2,652 ) — (16,117 ) Foreign currency transaction gain 145 — — — 145 Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries (13,234 ) 23,729 1,630 — 12,125 Provision for income taxes (4,832 ) 8,451 669 — 4,288 Income (loss) before Equity in Net Earnings of Subsidiaries (8,402 ) 15,278 961 — 7,837 Net earnings of subsidiaries 16,239 961 — (17,200 ) — Net Income (Loss) $ 7,837 $ 16,239 $ 961 $ (17,200 ) $ 7,837 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (1,245 ) (1,084 ) (160 ) 1,244 (1,245 ) Total other comprehensive (loss) gain, net of tax (1,245 ) (1,084 ) (160 ) 1,244 (1,245 ) Comprehensive Income (Loss) $ 6,592 $ 15,155 $ 801 $ (15,956 ) $ 6,592 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Nine Months Ended September 30, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 478,434 $ 64,697 $ — $ 543,131 Cost of Revenue — 182,729 47,692 — 230,421 Gross Profit — 295,705 17,005 — 312,710 Expenses Marketing — 72,488 1,012 — 73,500 Operations and technology — 58,642 3,064 — 61,706 General and administrative 185 72,867 3,695 — 76,747 Depreciation and amortization — 11,936 68 — 12,004 Total Expenses 185 215,933 7,839 — 223,957 Income (Loss) from Operations (185 ) 79,772 9,166 — 88,753 Interest expense, net (39,793 ) 613 (8,878 ) — (48,058 ) Foreign currency transaction gain 2,184 — — — 2,184 Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries (37,794 ) 80,385 288 — 42,879 Provision for income taxes (14,977 ) 31,853 115 — 16,991 Income (loss) before Equity in Net Earnings of Subsidiaries (22,817 ) 48,532 173 — 25,888 Net earnings of subsidiaries 48,705 173 — (48,878 ) — Net Income (Loss) $ 25,888 $ 48,705 $ 173 $ (48,878 ) $ 25,888 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (5,070 ) (6,342 ) 1,270 5,072 (5,070 ) Total other comprehensive (loss) gain, net of tax (5,070 ) (6,342 ) 1,270 5,072 (5,070 ) Comprehensive Income (Loss) $ 20,818 $ 42,363 $ 1,443 $ (43,806 ) $ 20,818 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended September 30, 2015 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 164,590 $ 637 $ — $ 165,227 Cost of Revenue — 65,201 413 — 65,614 Gross Profit — 99,389 224 — 99,613 Expenses Marketing — 35,448 120 — 35,568 Operations and technology — 18,093 497 — 18,590 General and administrative 100 22,256 271 — 22,627 Depreciation and amortization — 3,871 11 — 3,882 Total Expenses 100 79,668 899 — 80,667 Income (Loss) from Operations (100 ) 19,721 (675 ) — 18,946 Interest expense, net (13,172 ) (120 ) — — (13,292 ) Foreign currency transaction loss (212 ) — — — (212 ) Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries (13,484 ) 19,601 (675 ) — 5,442 Provision for income taxes (4,716 ) 5,741 — — 1,025 Income (Loss) before Income Taxes (8,768 ) 13,860 (675 ) — 4,417 Income (loss) from equity investments in subsidiaries 13,185 (675 ) — (12,510 ) — Net Income (Loss) $ 4,417 $ 13,185 $ (675 ) $ (12,510 ) $ 4,417 Other comprehensive loss, net of tax: Foreign currency translation loss (2,852 ) (2,035 ) (817 ) 2,852 (2,852 ) Total other comprehensive loss, net of tax (2,852 ) (2,035 ) (817 ) 2,852 (2,852 ) Comprehensive Income (Loss) $ 1,565 $ 11,150 $ (1,492 ) $ (9,658 ) $ 1,565 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Nine Months Ended September 30, 2015 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 476,261 $ 922 $ — $ 477,183 Cost of Revenue — 145,018 702 — 145,720 Gross Profit — 331,243 220 — 331,463 Expenses Marketing — 84,148 283 — 84,431 Operations and technology — 52,925 1,231 — 54,156 General and administrative 536 73,999 747 — 75,282 Depreciation and amortization — 14,172 26 — 14,198 Total Expenses 536 225,244 2,287 — 228,067 Income (Loss) from Operations (536 ) 105,999 (2,067 ) — 103,396 Interest expense, net (39,459 ) (45 ) 3 — (39,501 ) Foreign currency transaction loss (1,186 ) — (1 ) — (1,187 ) Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries (41,181 ) 105,954 (2,065 ) — 62,708 Provision for income taxes (15,038 ) 37,922 13 — 22,897 Income (Loss) before Income Taxes (26,143 ) 68,032 (2,078 ) — 39,811 Income (loss) from equity investments in subsidiaries 65,954 (2,078 ) — (63,876 ) — Net Income (Loss) $ 39,811 $ 65,954 $ (2,078 ) $ (63,876 ) $ 39,811 Other comprehensive loss, net of tax: Foreign currency translation loss (1,060 ) (174 ) (886 ) 1,060 (1,060 ) Total other comprehensive loss, net of tax (1,060 ) (174 ) (886 ) 1,060 (1,060 ) Comprehensive Income (Loss) $ 38,751 $ 65,780 $ (2,964 ) $ (62,816 ) $ 38,751 CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Nine Months Ended September 30, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 87,477 $ 216,799 $ 40,569 $ (44,138 ) $ 300,707 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (976,614 ) (10,641 ) — (987,255 ) Securitized loans transferred — 278,076 (278,076 ) — — Loans and finance receivables repaid — 525,636 126,229 — 651,865 Change in restricted cash — (14,656 ) (18,120 ) — (32,776 ) Purchases of property and equipment — (11,262 ) (204 ) — (11,466 ) Capital contributions to subsidiaries (43,962 ) (8,005 ) — 51,967 — Other investing activities — 72 — — 72 Net cash used in investing activities (43,962 ) (206,753 ) (180,812 ) 51,967 (379,560 ) Cash Flows from Financing Activities Payments for (proceeds from) member's equity — (176 ) 8,005 (7,829 ) — Debt issuance costs paid — — (3,516 ) — (3,516 ) Treasury shares purchased (115 ) — — — (115 ) Borrowings under revolving line of credit 45,000 — — — 45,000 Repayments under revolving line of credit (88,400 ) — — — (88,400 ) Borrowings under securitization facility — — 218,961 — 218,961 Repayments under securitization facility — — (82,008 ) — (82,008 ) Net cash provided by (used in) financing activities (43,515 ) (176 ) 141,442 (7,829 ) 89,922 Effect of exchange rates on cash — (7,670 ) 216 — (7,454 ) Net decrease in cash and cash equivalents — 2,200 1,415 — 3,615 Cash and cash equivalents at beginning of year — 40,927 1,139 — 42,066 Cash and cash equivalents at end of period $ — $ 43,127 $ 2,554 $ — $ 45,681 CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Nine Months Ended September 30, 2015 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 4,298 $ 199,564 $ (3,802 ) $ 5,481 $ 205,541 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (826,951 ) (2,702 ) — (829,653 ) Loans and finance receivables repaid — 629,642 1,327 — 630,969 Acquisitions — (17,735 ) — — (17,735 ) Purchases of property and equipment — (28,566 ) (118 ) — (28,684 ) Capital contributions to subsidiaries (4,298 ) (5,755 ) — 10,053 — Other investing activities — 10 — — 10 Net cash used in investing activities (4,298 ) (249,355 ) (1,493 ) 10,053 (245,093 ) Cash Flows from Financing Activities Payments for (proceeds from) member's equity — 9,779 5,755 (15,534 ) — Net cash provided by (used in) financing activities — 9,779 5,755 (15,534 ) — Effect of exchange rates on cash — 53 (1,297 ) — (1,244 ) Net decrease in cash and cash equivalents — (39,959 ) (837 ) — (40,796 ) Cash and cash equivalents at beginning of year — 72,367 2,739 — 75,106 Cash and cash equivalents at end of period $ — $ 32,408 $ 1,902 $ — $ 34,310

Subsequent Events

Subsequent Events	9 Months Ended
	Sep. 30, 2016
Subsequent Events [Abstract]
Subsequent Events	15. Subsequent Events Subsequent events have been reviewed through the date these financial statements were available to be issued. On October 20, 2016, EFR 2016-1, LLC, a subsidiary of the Company, entered into a Third Amendment and Limited Waiver (the “Third Amendment”) to amend the Indenture (the “Agreement”), which is part of the Company’s receivables securitization facility that was established on January 15, 2016, pursuant to various agreements with certain purchasers, Jefferies Funding LLC, as administrative agent, and Bankers Trust Company, as indenture trustee and securities intermediary. The Third Amendment increased the Maximum Principal Amount to $275 million, increased the Variable Funding Note Maximum Principal Amount to $40 million until December 31, 2016, and $30 million thereafter, and . The Third Amendment also , and amounts outstanding under the Variable Funding Note after, The weighted average interest rate on such adjusted Notes will be 9.5%. (Terms used in this paragraph that are not defined here have the meanings specified in the Indenture.) On October 20, 2016, the Company entered into an agreement with U.S. Bank National Association (“U.S. Bank”), Computershare Trust Company, N.A., and Computershare Trust Company of Canada (together, “Computershare”), by which Computershare will replace U.S. Bank as the Trustee, Registrar and Paying Agent under the Indenture dated as of May 30, 2014 (as amended by the First Supplemental Indenture dated as of October 1, 2014, the Second Supplemental Indenture dated as of February 13, 2015, and the Third Supplemental Indenture dated as of November 10, 2015, and as the same may be further supplemented and amended from time to time, the “Indenture”) entered into by the Company, certain Guarantors from time to time parties thereto and U.S. Bank, by which the Company issued $500 million aggregate principal amount of 9.75% Senior Notes due in 2021. Computershare accepted its appointment as Trustee, Registrar and Paying Agent under the Indenture as of October 20, 2016. On October 24, 2016, the Company entered into an amendment with Frontier Merger Sub, LLC (“Frontier,” formerly known as Cash America) to the Software Lease and Maintenance Agreement (“Lease Agreement”) dated as of November 12, 2014, between the Company and Cash America. The amendment adjusts pricing under the agreement as a result of Frontier’s request for a modification of the Credit Underwriting Model (as such term is defined in the Lease Agreement).

Significant Accounting Polici24

Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2016
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation On September 7, 2011, Cash America International, Inc. (“Cash America,” now known as FirstCash, Inc. due to its merger with First Cash Financial Services, Inc. on September 1, 2016), 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. The Company became an independent, publicly traded company on November 13, 2014 when 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”). 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. The Company consolidates any variable interest entity (“VIE”) where it has been determined it is the primary beneficiary. The primary beneficiary is the entity which has both the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance as well as the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE. The financial statements presented as of September 30, 2016 and 2015 and December 31, 2015 and for the three and nine-month periods ended September 30, 2016 and 2015 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 three and nine-month periods are not necessarily indicative of the results that may be expected for the full fiscal year. The Company operates an internet-based lending platform to serve customers in need of cash to fulfill their financial responsibilities. Through a network of direct and indirect marketing channels, the Company offers funds to its customers through a variety of unsecured loan and finance receivable products. The business is operated primarily through the internet to provide convenient, fully-automated financial solutions to its customers. The Company originates, arranges, guarantees or purchases consumer loans and provides financing to small businesses through a line of credit account or receivables purchase agreement product (“RPAs”). Consumer loans include short-term loans, line of credit accounts and installment loans. RPAs represent a right to receive future receivables from a small business. “Loans and finance receivables” include consumer loans, small business loans and RPAs. These financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2015 and 2014 and for the years ended December 31, 2015, 2014 and 2013 and related notes, which are included on Form 10-K filed with the SEC on March 7, 2016.
Restricted Cash	Restricted Cash The Company includes funds to be used for future debt payments relating to its securitization transactions and escrow deposits in restricted cash and cash equivalents.
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”) (“CSO fees”), revenue on RPAs, service charges, draw fees, minimum billing fees, late fees and non-sufficient funds fees as 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. For line of credit accounts, interest is recognized over the reporting period based upon the balance outstanding and the contractual interest rate, draw fees are recognized on an effective yield basis over the estimated outstanding period of the draw, and minimum billing 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. For RPAs, revenue is recognized on an effective yield basis over the projected delivery term of the agreements and fees are recognized when assessed. CSO fees are recognized on an effective yield basis over the term of the loan. Late and nonsufficient funds fees are recognized when assessed to the customer. Direct costs associated with originating loans and purchasing RPAs, such as third-party customer acquisition costs, are deferred and amortized against revenue on an effective yield basis over the term of the loan or
New Accounting Standards Adopted and to be Adopted in Future Periods	Adopted In November 2015, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2015-17, Balance Sheet Classification of Deferred Taxes The Company adopted In June 2015, the FASB issued ASU 2015-10, Technical Corrections and Improvements In April 2015, the FASB issued ASU 2015‑05, Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement Internal-Use Software In April 2015, the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs Presentation and subsequent measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements, In February 2015, the FASB issued ASU No. 2015-02, Consolidation (Topic 810) - Amendments to the Consolidation Analysis Accounting Standards to be Adopted in Future Periods In June 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments (a consensus of the Emerging Issues Task Force) , including adoption in an interim period In June 2016, the FASB issued ASU 2016-13, Measurement of Credit Losses on Financial Instruments In March 2016, the FASB issued ASU 2016-09, Improvements to Employee Share-Based Payment Accounting In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) In January 2016, the FASB issued ASU 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities (“ASU 2016‑01”), which requires that equity investments, except for those accounted for under the equity method or those that result in consolidation of the investee, be measured at fair value, with subsequent changes in fair value recognized in net income. However, an entity may choose to measure equity investments that do not have readily determinable fair values at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. ASU 2016-01 also impacts the presentation and disclosure requirements for financial instruments. ASU 2016-01 is effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. Early adoption is permitted only for certain provisions. The Company does not expect that the adoption of ASU 2016-01 will have a material effect on its consolidated financial statements. 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) Deferral of the Effective Date Principal versus Agent Considerations (Reporting Revenue Gross versus Net) Identifying Performance Obligations and Licensing Narrow-Scope Improvements and Practical Expedients,
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. 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 placed on a non-accrual status. The Company allows for normal payment processing time before considering 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 finance receivable portfolios and maintains either an allowance or liability for estimated losses on loans and finance receivables (including revenue, fees and/or interest) at a level estimated to be adequate to absorb losses inherent in the portfolio. The allowance for losses on the Company’s owned loans and finance receivables reduces the outstanding loans and finance receivables 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 account, installment loan and RPA 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 and the charge-off of a loan or RPA. 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 for loans and finance receivables once the receivable or a portion of the receivable has been classified as delinquent for 60 consecutive days and generally charges off loans and finance receivables between 60 – 65 days delinquent. If a loan or finance receivable is deemed uncollectible before it is fully reserved, it is charged off at that point. Loans and finance receivables classified as delinquent generally have an age of one to 64 days from the date any portion of the receivable became delinquent, as defined above. Recoveries on loans and finance receivables previously charged to the allowance are credited to the allowance when collected.
Derivative Instruments Policy	The Company periodically uses forward currency exchange contracts to minimize the effects of foreign currency risk in the United Kingdom. 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 gain (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 Brazil.

Loans and Finance Receivables25

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables (Tables)	9 Months Ended
	Sep. 30, 2016
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 nine months ended September 30, 2016 and 2015 was as follows (dollars in thousands): Three Months Ended Nine Months Ended September 30, September 30, 2016 2015 2016 2015 Short-term loans $ 51,999 $ 54,549 $ 146,237 $ 153,905 Line of credit accounts 59,090 43,832 158,338 140,400 Installment loans and RPAs 84,823 66,409 237,320 181,604 Total loans and finance receivables revenue 195,912 164,790 541,895 475,909 Other 31 437 1,236 1,274 Total revenue $ 195,943 $ 165,227 $ 543,131 $ 477,183
Components of Company-Owned Loans and Finance Receivables	The components of Company-owned loans and finance receivables at September 30, 2016 and 2015 and December 31, 2015 were as follows (dollars in thousands): As of September 30, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 35,815 $ 120,951 $ 412,010 $ 568,776 Delinquent receivables: Delinquent payment amounts (1) — 4,975 1,721 6,696 Receivables on non-accrual status 24,310 6,462 31,368 62,140 Total delinquent receivables 24,310 11,437 33,089 68,836 Total loans and finance receivables, gross 60,125 132,388 445,099 637,612 Less: Allowance for losses (17,726 ) (26,795 ) (50,226 ) (94,747 ) Loans and finance receivables, net $ 42,399 $ 105,593 $ 394,873 $ 542,865 As of September 30, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 40,832 $ 82,117 $ 269,129 $ 392,078 Delinquent receivables: Delinquent payment amounts (1) — 3,354 1,351 4,705 Receivables on non-accrual status 21,376 3,671 23,717 48,764 Total delinquent receivables 21,376 7,025 25,068 53,469 Total loans and finance receivables, gross 62,208 89,142 294,197 445,547 Less: Allowance for losses (14,895 ) (12,873 ) (36,974 ) (64,742 ) Loans and finance receivables, net $ 47,313 $ 76,269 $ 257,223 $ 380,805 As of December 31, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 37,951 $ 92,732 $ 317,231 $ 447,914 Delinquent receivables: Delinquent payment amounts (1) — 3,072 1,510 4,582 Receivables on non-accrual status 20,842 5,051 23,566 49,459 Total delinquent receivables 20,842 8,123 25,076 54,041 Total loans and finance receivables, gross 58,793 100,855 342,307 501,955 Less: Allowance for losses (14,652 ) (15,727 ) (36,943 ) (67,322 ) Loans and finance receivables, net $ 44,141 $ 85,128 $ 305,364 $ 434,633 (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 finance receivables and the liability for losses on the Company’s guarantees of third-party lender-owned loans during the three and nine months ended September 30, 2016 and 2015 were as follows (dollars in thousands): Three Months Ended September 30, 2016 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 $ 13,354 $ 18,029 $ 42,437 $ 73,820 Cost of revenue 20,464 29,739 45,293 95,496 Charge-offs (21,301 ) (24,639 ) (44,804 ) (90,744 ) Recoveries 5,345 3,666 7,421 16,432 Effect of foreign currency translation (136 ) — (121 ) (257 ) Balance at end of period $ 17,726 $ 26,795 $ 50,226 $ 94,747 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,392 $ — $ 441 $ 1,833 Increase (decrease) in liability 66 — (172 ) (106 ) Balance at end of period $ 1,458 $ — $ 269 $ 1,727 Three Months Ended September 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 $ 14,196 $ 9,091 $ 27,974 $ 51,261 Cost of revenue 18,106 13,048 33,912 65,066 Charge-offs (22,133 ) (14,218 ) (30,706 ) (67,057 ) Recoveries 4,907 4,956 6,153 16,016 Effect of foreign currency translation (181 ) (4 ) (359 ) (544 ) Balance at end of period $ 14,895 $ 12,873 $ 36,974 $ 64,742 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,276 $ — $ 152 $ 1,428 Increase in liability 209 — 339 548 Balance at end of period $ 1,485 $ — $ 491 $ 1,976 Nine Months Ended September 30, 2016 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 $ 14,652 $ 15,727 $ 36,943 $ 67,322 Cost of revenue 47,860 63,461 119,128 230,449 Charge-offs (59,664 ) (63,236 ) (127,473 ) (250,373 ) Recoveries 15,448 10,843 21,217 47,508 Effect of foreign currency translation (570 ) — 411 (159 ) Balance at end of period $ 17,726 $ 26,795 $ 50,226 $ 94,747 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,298 $ — $ 458 $ 1,756 Increase (decrease) in liability 160 — (189 ) (29 ) Balance at end of period $ 1,458 $ — $ 269 $ 1,727 Nine Months Ended September 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 44,547 25,731 75,042 145,320 Charge-offs (59,705 ) (48,791 ) (87,264 ) (195,760 ) Recoveries 15,888 16,372 18,782 51,042 Effect of foreign currency translation (159 ) (188 ) (461 ) (808 ) Balance at end of period $ 14,895 $ 12,873 $ 36,974 $ 64,742 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,575 $ — $ 1 $ 1,576 (Decrease) increase in liability (90 ) — 490 400 Balance at end of period $ 1,485 $ — $ 491 $ 1,976

Long-term Debt (Tables)

Long-term Debt (Tables)	9 Months Ended
	Sep. 30, 2016
Debt Disclosure [Abstract]
Summary of Long-Term Debt Instruments and Balances Outstanding	The Company’s long-term debt instruments and balances outstanding as of September 30, 2016 and 2015 and December 31, 2015 were as follows (dollars in thousands): September 30, December 31, 2016 2015 2015 Securitization notes $ 136,953 $ — $ — Revolving line of credit 15,000 — 58,400 Senior Notes 495,427 494,690 494,867 Subtotal 647,380 494,690 553,267 Less: Long-term debt issuance costs (12,201 ) (11,882 ) (11,358 ) Total long-term debt $ 635,179 $ 482,808 $ 541,909

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2016
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 nine months ended September 30, 2016 and 2015 (in thousands, except per share amounts): Three Months Ended Nine Months Ended September 30, September 30, 2016 2015 2016 2015 Numerator: Net income $ 7,837 $ 4,417 $ 25,888 $ 39,811 Denominator: Total weighted average basic shares 33,211 33,000 33,176 33,000 Shares applicable to stock-based compensation 347 22 184 15 Total weighted average diluted shares 33,558 33,022 33,360 33,015 Net income – basic $ 0.24 $ 0.13 $ 0.78 $ 1.21 Net income – diluted $ 0.23 $ 0.13 $ 0.78 $ 1.21

Operating Segment Information (

Operating Segment Information (Tables)	9 Months Ended
	Sep. 30, 2016
Segment Reporting [Abstract]
Summary of Domestic, International Operations and Corporate Services	The following tables present information on the Company’s domestic, international operations and corporate services as of and for the three and nine months ended September 30, 2016 and 2015 (dollars in thousands): Three Months Ended Nine Months Ended September 30, September 30, 2016 2015 2016 2015 Revenue Domestic $ 165,330 $ 133,661 $ 449,100 $ 366,134 International 30,613 31,566 94,031 111,049 Total revenue $ 195,943 $ 165,227 $ 543,131 $ 477,183 Income from operations Domestic $ 44,015 $ 37,327 $ 148,717 $ 141,281 International 5,659 2,799 16,136 37,822 Corporate services (21,577 ) (21,180 ) (76,100 ) (75,707 ) Total income from operations $ 28,097 $ 18,946 $ 88,753 $ 103,396 Depreciation and amortization Domestic $ 1,385 $ 1,441 $ 4,552 $ 6,103 International 409 581 1,813 1,663 Corporate services 1,995 1,860 5,639 6,432 Total depreciation and amortization $ 3,789 $ 3,882 $ 12,004 $ 14,198 Expenditures for property and equipment Domestic $ 2,395 $ 1,575 $ 5,425 $ 4,236 International 1,043 744 2,489 2,367 Corporate services 379 (137 ) 3,552 22,081 Total expenditures for property and equipment $ 3,817 $ 2,182 $ 11,466 $ 28,684 September 30, 2016 2015 Property and equipment, net Domestic $ 19,259 $ 14,231 International 5,094 5,350 Corporate services 23,133 29,233 Total property and equipment, net $ 47,486 $ 48,814 Assets Domestic $ 823,737 $ 604,426 International 98,842 112,078 Corporate services 52,500 63,668 Total assets $ 975,079 $ 780,172
Summary of Company's Revenue by Geographical Region	The following table presents the Company’s revenue by geographic region for the three and nine months ended September 30, 2016 and 2015 (dollars in thousands): Three Months Ended Nine Months Ended September 30, September 30, 2016 2015 2016 2015 Revenue United States $ 165,330 $ 133,661 $ 449,100 $ 366,134 United Kingdom 26,793 28,236 78,882 102,621 Other international countries 3,820 3,330 15,149 8,428 Total revenue $ 195,943 $ 165,227 $ 543,131 $ 477,183

Commitments and Contingencies (

Commitments and Contingencies (Tables)	9 Months Ended
	Sep. 30, 2016
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 for the nine months ended September 30, 2016 and the twelve months ended December 31, 2015 (in thousands): Lease Termination Costs Other Exit Costs Total Balance at January 1, 2015 $ 707 $ — $ 707 Additions 2,861 808 3,669 Payments (2,143 ) (604 ) (2,747 ) Balance at December 31, 2015 $ 1,425 $ 204 $ 1,629 Balance at January 1, 2016 $ 1,425 $ 204 $ 1,629 Payments (856 ) — (856 ) Adjustments 403 (69 ) 334 Balance at September 30, 2016 $ 972 $ 135 $ 1,107

Derivative Instruments (Tables)

Derivative Instruments (Tables)	9 Months Ended
	Sep. 30, 2016
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 September 30, 2015 and December 31, 2015 (dollars in thousands): Non-designated derivatives: As of September 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 $ 15,540 $ 10 $ — $ 10 Liabilities $ — $ — $ — $ — As of December 31, 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 $ 58,723 $ 151 $ — $ 151 Liabilities $ — $ — $ — $ — (1) As of September 30, 2015 and December 31, 2015, 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 assets or 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 and nine months ended September 30, 2016 and 2015 (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 September 30, September 30, September 30, 2016 2015 2016 2015 2016 2015 Non-designated derivatives: Forward currency exchange contracts (1) $ — $ 611 $ — $ — $ — $ — Total $ — $ 611 $ — $ — $ — $ — Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Nine Months Ended Nine Months Ended Nine Months Ended September 30, September 30, September 30, 2016 2015 2016 2015 2016 2015 Non-designated derivatives: Forward currency exchange contracts (1) $ 3,020 $ 2,807 $ — $ — $ — $ — Total $ 3,020 $ 2,807 $ — $ — $ — $ — (1) The gains (losses) on these derivatives substantially offset the (losses) gains on the economically hedged portion of the foreign intercompany balances.

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	9 Months Ended
	Sep. 30, 2016
Variable Interest Entities [Abstract]
Summary of Carrying Amounts of Consolidated VIE Assets and Liabilities	The carrying amounts of consolidated VIE assets and liabilities associated with the Company’s securitization entities were as follows (dollars in thousands): September 30, December 31, 2016 2015 2015 Assets Cash and cash equivalents $ 105 $ — $ — Restricted cash and cash equivalents 18,119 — — Loans and finance receivables, net 176,016 — — Other receivables and prepaid expenses 3 — — Total assets $ 194,243 $ — $ — Liabilities Accounts payable and accrued expenses $ 991 $ — $ — Long-term debt 134,537 — — Total liabilities $ 135,528 $ — $ —

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2016
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 September 30, 2016 and 2015 and December 31, 2015 are as follows (dollars in thousands): September 30, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,528 1,528 — — Contingent consideration (5,658 ) — — (5,658 ) Total $ (4,130 ) $ 1,528 $ — $ (5,658 ) September 30, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ 10 $ — $ 10 $ — Non-qualified savings plan assets (1) 1,015 1,015 — — Contingent consideration (6,140 ) — — (6,140 ) Total $ (5,115 ) $ 1,015 $ 10 $ (6,140 ) December 31, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ 151 $ — $ 151 $ — Non-qualified savings plan assets (1) 1,075 1,075 — — Contingent consideration (5,658 ) — — (5,658 ) Total $ (4,432 ) $ 1,075 $ 151 $ (5,658 ) (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 6,140 6,140 Balance at September 30, 2015 $ 6,140 $ 6,140 Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Contingent consideration Total Balance at December 31, 2015 $ 5,658 $ 5,658 Adjustments — — Balance at September 30, 2016 $ 5,658 $ 5,658
Financial Assets and Liabilities Not Measured at Fair Value	The Company’s financial assets and liabilities as of September 30, 2016 and 2015 and December 31, 2015 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands): Balance at September 30, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 45,681 $ 45,681 $ — $ — Short-term loans and line of credit accounts, net (1) 147,992 — — 147,992 Installment loans and RPAs, net (1)(4) 394,873 — — 448,111 Restricted cash (5) 39,272 39,272 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 634,521 $ 84,953 $ — $ 602,806 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,727 $ — $ — $ 1,727 Promissory note 3,000 — — 3,076 Credit agreement borrowings 15,000 — — 15,000 Securitization Notes 136,953 — 139,911 — Senior Notes 495,427 — 455,875 — Total $ 652,107 $ — $ 595,786 $ 19,803 Balance at September 30, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 34,310 $ 34,310 $ — $ — Short-term loans and line of credit accounts, net (1) 123,582 — — 123,582 Installment loans and RPAs, net (1) 257,223 — — 257,223 Restricted cash 7,586 7,586 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 429,404 $ 41,896 $ — $ 387,508 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,976 $ — $ — $ 1,976 Promissory note 3,000 — — 2,995 Senior Notes 494,690 — 421,250 — Total $ 499,666 $ — $ 421,250 $ 4,971 Balance at December 31, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 42,066 $ 42,066 $ — $ — Short-term loans and line of credit accounts, net (1) 129,269 — — 129,269 Installment loans and RPAs, net (1) 305,364 — — 283,700 Restricted cash 7,379 7,379 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 490,781 $ 49,445 $ — $ 419,672 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,756 $ — $ — $ 1,756 Promissory note 3,000 — — 2,984 Credit agreement borrowings 58,400 — — 58,400 Senior Notes 494,867 — 374,500 — Total $ 558,023 $ — $ 374,500 $ 63,140 (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) Investment in unconsolidated investee is included in “Other assets” in the consolidated balance sheets. (3) See Note 4 for additional information related to the investment in unconsolidated investee. (4) Installment loan and RPAs, net include $176.0 million in net assets of consolidated VIEs as of September 30, 2016. (5) Restricted cash includes $18.1 million in assets of consolidated VIEs as of September 30, 2016.

Condensed Consolidating Finan33

Condensed Consolidating Financial Statements (Tables)	9 Months Ended
	Sep. 30, 2016
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Condensed Consolidating Balance Sheets	CONDENSED CONSOLIDATING BALANCE SHEETS As of September 30, 2016 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 43,127 $ 2,554 $ — $ 45,681 Restricted cash — 21,152 18,120 — 39,272 Loans and finance receivables, net — 358,142 184,723 — 542,865 Income taxes receivable — — — — — Other receivables and prepaid expenses 141 18,222 286 — 18,649 Property and equipment, net — 47,050 436 — 47,486 Goodwill — 267,012 — — 267,012 Intangible assets, net — 5,670 5 — 5,675 Investment in subsidiaries 278,999 22,358 — (301,357 ) — Intercompany receivable 413,472 — — (413,472 ) — Other assets 460 7,979 — — 8,439 Total assets $ 693,072 $ 790,712 $ 206,124 $ (714,829 ) $ 975,079 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 16,386 $ 67,931 $ 1,116 $ — $ 85,433 Intercompany payables — 357,650 55,826 (413,476 ) — Income taxes currently payable (56,364 ) 61,521 (8 ) — 5,149 Deferred tax liabilities, net (677 ) 17,394 (484 ) — 16,233 Long-term debt 500,642 — 134,537 — 635,179 Total liabilities 459,987 504,496 190,987 (413,476 ) 741,994 Commitments and contingencies Stockholders' equity 233,085 286,216 15,137 (301,353 ) 233,085 Total liabilities and stockholders' equity $ 693,072 $ 790,712 $ 206,124 $ (714,829 ) $ 975,079 CONDENSED CONSOLIDATING BALANCE SHEETS As of September 30, 2015 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 32,408 $ 1,902 $ — $ 34,310 Restricted cash — 7,586 — — 7,586 Loans and finance receivables, net — 379,087 1,718 — 380,805 Income taxes receivable 36,400 (30,700 ) (17 ) — 5,683 Other receivables and prepaid expenses 205 19,502 71 — 19,778 Property and equipment, net — 48,646 168 — 48,814 Goodwill — 271,568 — — 271,568 Intangible assets, net — 3,689 9 — 3,698 Investment in subsidiaries 221,265 12,021 — (233,286 ) — Intercompany receivable 439,587 5 — (439,592 ) — Other assets 908 7,022 — — 7,930 Total assets $ 698,365 $ 750,834 $ 3,851 $ (672,878 ) $ 780,172 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 16,281 $ 62,468 $ 332 $ — $ 79,081 Intercompany payables — 439,587 5 (439,592 ) — Deferred tax liabilities — 19,007 — — 19,007 Long-term debt 482,808 — — — 482,808 Total liabilities 499,089 521,062 337 (439,592 ) 580,896 Commitments and contingencies Stockholders' equity 199,276 229,772 3,514 (233,286 ) 199,276 Total liabilities and stockholders' equity $ 698,365 $ 750,834 $ 3,851 $ (672,878 ) $ 780,172 CONDENSED CONSOLIDATING BALANCE SHEETS As of December 31, 2015 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 40,927 $ 1,139 $ — $ 42,066 Restricted cash — 7,379 — — 7,379 Loans and finance receivables, net — 430,862 3,771 — 434,633 Income taxes receivable 37,201 (31,709 ) 11 — 5,503 Other receivables and prepaid expenses 162 19,791 96 — 20,049 Property and equipment, net — 47,821 234 — 48,055 Goodwill — 267,008 — — 267,008 Intangible assets, net — 6,532 8 — 6,540 Investment in subsidiaries 233,632 14,177 — (247,809 ) — Intercompany receivable 480,112 — 794 (480,906 ) — Other assets 2,284 7,020 — — 9,304 Total assets $ 753,391 $ 809,808 $ 6,053 $ (728,715 ) $ 840,537 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 5,514 $ 66,220 $ 407 $ — $ 72,141 Intercompany payables — 480,906 — (480,906 ) — Deferred tax liabilities, net — 20,562 (43 ) — 20,519 Long-term debt 541,909 — — — 541,909 Total liabilities 547,423 567,688 364 (480,906 ) 634,569 Commitments and contingencies Stockholders' equity 205,968 242,120 5,689 (247,809 ) 205,968 Total liabilities and stockholders' equity $ 753,391 $ 809,808 $ 6,053 $ (728,715 ) $ 840,537
Consolidating Statements of Income and Comprehensive Income	CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended September 30, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 170,288 $ 24,157 $ 1,498 $ 195,943 Cost of Revenue — 78,283 17,108 — 95,391 Gross Profit — 92,005 7,049 1,498 100,552 Expenses Marketing — 26,348 374 — 26,722 Operations and technology — 19,505 1,132 — 20,637 General and administrative 37 18,539 1,233 1,498 21,307 Depreciation and amortization — 3,761 28 — 3,789 Total Expenses 37 68,153 2,767 1,498 72,455 Income (Loss) from Operations (37 ) 23,852 4,282 — 28,097 Interest expense, net (13,342 ) (123 ) (2,652 ) — (16,117 ) Foreign currency transaction gain 145 — — — 145 Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries (13,234 ) 23,729 1,630 — 12,125 Provision for income taxes (4,832 ) 8,451 669 — 4,288 Income (loss) before Equity in Net Earnings of Subsidiaries (8,402 ) 15,278 961 — 7,837 Net earnings of subsidiaries 16,239 961 — (17,200 ) — Net Income (Loss) $ 7,837 $ 16,239 $ 961 $ (17,200 ) $ 7,837 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (1,245 ) (1,084 ) (160 ) 1,244 (1,245 ) Total other comprehensive (loss) gain, net of tax (1,245 ) (1,084 ) (160 ) 1,244 (1,245 ) Comprehensive Income (Loss) $ 6,592 $ 15,155 $ 801 $ (15,956 ) $ 6,592 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Nine Months Ended September 30, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 478,434 $ 64,697 $ — $ 543,131 Cost of Revenue — 182,729 47,692 — 230,421 Gross Profit — 295,705 17,005 — 312,710 Expenses Marketing — 72,488 1,012 — 73,500 Operations and technology — 58,642 3,064 — 61,706 General and administrative 185 72,867 3,695 — 76,747 Depreciation and amortization — 11,936 68 — 12,004 Total Expenses 185 215,933 7,839 — 223,957 Income (Loss) from Operations (185 ) 79,772 9,166 — 88,753 Interest expense, net (39,793 ) 613 (8,878 ) — (48,058 ) Foreign currency transaction gain 2,184 — — — 2,184 Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries (37,794 ) 80,385 288 — 42,879 Provision for income taxes (14,977 ) 31,853 115 — 16,991 Income (loss) before Equity in Net Earnings of Subsidiaries (22,817 ) 48,532 173 — 25,888 Net earnings of subsidiaries 48,705 173 — (48,878 ) — Net Income (Loss) $ 25,888 $ 48,705 $ 173 $ (48,878 ) $ 25,888 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (5,070 ) (6,342 ) 1,270 5,072 (5,070 ) Total other comprehensive (loss) gain, net of tax (5,070 ) (6,342 ) 1,270 5,072 (5,070 ) Comprehensive Income (Loss) $ 20,818 $ 42,363 $ 1,443 $ (43,806 ) $ 20,818 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended September 30, 2015 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 164,590 $ 637 $ — $ 165,227 Cost of Revenue — 65,201 413 — 65,614 Gross Profit — 99,389 224 — 99,613 Expenses Marketing — 35,448 120 — 35,568 Operations and technology — 18,093 497 — 18,590 General and administrative 100 22,256 271 — 22,627 Depreciation and amortization — 3,871 11 — 3,882 Total Expenses 100 79,668 899 — 80,667 Income (Loss) from Operations (100 ) 19,721 (675 ) — 18,946 Interest expense, net (13,172 ) (120 ) — — (13,292 ) Foreign currency transaction loss (212 ) — — — (212 ) Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries (13,484 ) 19,601 (675 ) — 5,442 Provision for income taxes (4,716 ) 5,741 — — 1,025 Income (Loss) before Income Taxes (8,768 ) 13,860 (675 ) — 4,417 Income (loss) from equity investments in subsidiaries 13,185 (675 ) — (12,510 ) — Net Income (Loss) $ 4,417 $ 13,185 $ (675 ) $ (12,510 ) $ 4,417 Other comprehensive loss, net of tax: Foreign currency translation loss (2,852 ) (2,035 ) (817 ) 2,852 (2,852 ) Total other comprehensive loss, net of tax (2,852 ) (2,035 ) (817 ) 2,852 (2,852 ) Comprehensive Income (Loss) $ 1,565 $ 11,150 $ (1,492 ) $ (9,658 ) $ 1,565 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Nine Months Ended September 30, 2015 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 476,261 $ 922 $ — $ 477,183 Cost of Revenue — 145,018 702 — 145,720 Gross Profit — 331,243 220 — 331,463 Expenses Marketing — 84,148 283 — 84,431 Operations and technology — 52,925 1,231 — 54,156 General and administrative 536 73,999 747 — 75,282 Depreciation and amortization — 14,172 26 — 14,198 Total Expenses 536 225,244 2,287 — 228,067 Income (Loss) from Operations (536 ) 105,999 (2,067 ) — 103,396 Interest expense, net (39,459 ) (45 ) 3 — (39,501 ) Foreign currency transaction loss (1,186 ) — (1 ) — (1,187 ) Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries (41,181 ) 105,954 (2,065 ) — 62,708 Provision for income taxes (15,038 ) 37,922 13 — 22,897 Income (Loss) before Income Taxes (26,143 ) 68,032 (2,078 ) — 39,811 Income (loss) from equity investments in subsidiaries 65,954 (2,078 ) — (63,876 ) — Net Income (Loss) $ 39,811 $ 65,954 $ (2,078 ) $ (63,876 ) $ 39,811 Other comprehensive loss, net of tax: Foreign currency translation loss (1,060 ) (174 ) (886 ) 1,060 (1,060 ) Total other comprehensive loss, net of tax (1,060 ) (174 ) (886 ) 1,060 (1,060 ) Comprehensive Income (Loss) $ 38,751 $ 65,780 $ (2,964 ) $ (62,816 ) $ 38,751
Consolidating Statements of Cash Flows	CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Nine Months Ended September 30, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 87,477 $ 216,799 $ 40,569 $ (44,138 ) $ 300,707 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (976,614 ) (10,641 ) — (987,255 ) Securitized loans transferred — 278,076 (278,076 ) — — Loans and finance receivables repaid — 525,636 126,229 — 651,865 Change in restricted cash — (14,656 ) (18,120 ) — (32,776 ) Purchases of property and equipment — (11,262 ) (204 ) — (11,466 ) Capital contributions to subsidiaries (43,962 ) (8,005 ) — 51,967 — Other investing activities — 72 — — 72 Net cash used in investing activities (43,962 ) (206,753 ) (180,812 ) 51,967 (379,560 ) Cash Flows from Financing Activities Payments for (proceeds from) member's equity — (176 ) 8,005 (7,829 ) — Debt issuance costs paid — — (3,516 ) — (3,516 ) Treasury shares purchased (115 ) — — — (115 ) Borrowings under revolving line of credit 45,000 — — — 45,000 Repayments under revolving line of credit (88,400 ) — — — (88,400 ) Borrowings under securitization facility — — 218,961 — 218,961 Repayments under securitization facility — — (82,008 ) — (82,008 ) Net cash provided by (used in) financing activities (43,515 ) (176 ) 141,442 (7,829 ) 89,922 Effect of exchange rates on cash — (7,670 ) 216 — (7,454 ) Net decrease in cash and cash equivalents — 2,200 1,415 — 3,615 Cash and cash equivalents at beginning of year — 40,927 1,139 — 42,066 Cash and cash equivalents at end of period $ — $ 43,127 $ 2,554 $ — $ 45,681 CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Nine Months Ended September 30, 2015 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 4,298 $ 199,564 $ (3,802 ) $ 5,481 $ 205,541 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (826,951 ) (2,702 ) — (829,653 ) Loans and finance receivables repaid — 629,642 1,327 — 630,969 Acquisitions — (17,735 ) — — (17,735 ) Purchases of property and equipment — (28,566 ) (118 ) — (28,684 ) Capital contributions to subsidiaries (4,298 ) (5,755 ) — 10,053 — Other investing activities — 10 — — 10 Net cash used in investing activities (4,298 ) (249,355 ) (1,493 ) 10,053 (245,093 ) Cash Flows from Financing Activities Payments for (proceeds from) member's equity — 9,779 5,755 (15,534 ) — Net cash provided by (used in) financing activities — 9,779 5,755 (15,534 ) — Effect of exchange rates on cash — 53 (1,297 ) — (1,244 ) Net decrease in cash and cash equivalents — (39,959 ) (837 ) — (40,796 ) Cash and cash equivalents at beginning of year — 72,367 2,739 — 75,106 Cash and cash equivalents at end of period $ — $ 32,408 $ 1,902 $ — $ 34,310

Significant Accounting Polici34

Significant Accounting Policies - Additional Information (Detail) - USD ($) $ in Millions	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015	Nov. 13, 2014	Sep. 13, 2011
Significant Accounting Policies [Line Items]
Common stock, shares issued	33,260,017	33,151,088	33,000,000
Spin off percentage				80.00%
Unamortized debt issuance cost	$ 11.9	$ 11.4
Previously Reported
Significant Accounting Policies [Line Items]
Deferred tax assets, net		$ 29	$ 28.1
Cash America International Inc.
Significant Accounting Policies [Line Items]
Common stock, shares issued					33,000,000

Acquisitions - Additional Infor

Acquisitions - Additional Information (Detail) - USD ($)	Jun. 23, 2015	Sep. 30, 2016	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Business Acquisition [Line Items]
Date of acquisition			Jun. 23, 2015
Business acquisition, asset acquired	$ 26,400,000
Business acquisition, payment in cash	17,700,000			$ 17,735,000
Business Combination, promissory note	3,000,000
Estimated contingent consideration payable		$ 5,658,000	$ 5,658,000	$ 6,140,000	$ 5,658,000
Change fair value measurement contingent consideration		$ 0	$ 0
Maximum
Business Acquisition [Line Items]
Total consideration paid	$ 71,000,000

Loans and Finance Receivables36

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 (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 195,912	$ 164,790	$ 541,895	$ 475,909
Other	31	437	1,236	1,274
Total revenue	195,943	165,227	543,131	477,183
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	51,999	54,549	146,237	153,905
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	59,090	43,832	158,338	140,400
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 84,823	$ 66,409	$ 237,320	$ 181,604

Loans and Finance Receivables37

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Additional Information (Detail) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Accounts Notes And Loans Receivable [Line Items]
Days for delinquent loans to be charged off	60 days
Active consumer loans owned by third-party lenders	$ 29.7	$ 34.1	$ 36.7
Accrual for losses on consumer loan guaranty obligations	$ 1.7	$ 1.7	$ 2
Minimum
Accounts Notes And Loans Receivable [Line Items]
Days for delinquent loans to be charged off	60 days
Delinquent loans expiry period (in days)	1 day
Maximum
Accounts Notes And Loans Receivable [Line Items]
Days for delinquent loans to be charged off	65 days
Delinquent loans expiry period (in days)	64 days

Loans and Finance Receivables38

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 (Detail) - USD ($) $ in Thousands		Sep. 30, 2016	Jun. 30, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Dec. 31, 2014
Accounts Notes And Loans Receivable [Line Items]
Current receivables		$ 568,776		$ 447,914	$ 392,078
Delinquent payment amounts	[1]	6,696		4,582	4,705
Receivables on non-accrual status		62,140		49,459	48,764
Total delinquent receivables		68,836		54,041	53,469
Total loans and finance receivables, gross		637,612		501,955	445,547
Less: Allowance for losses		(94,747)	$ (73,820)	(67,322)	(64,742)	$ (51,261)	$ (64,948)
Loans and finance receivables, net		542,865		434,633	380,805
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Current receivables		35,815		37,951	40,832
Receivables on non-accrual status		24,310		20,842	21,376
Total delinquent receivables		24,310		20,842	21,376
Total loans and finance receivables, gross		60,125		58,793	62,208
Less: Allowance for losses		(17,726)	(13,354)	(14,652)	(14,895)	(14,196)	(14,324)
Loans and finance receivables, net		42,399		44,141	47,313
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Current receivables		120,951		92,732	82,117
Delinquent payment amounts	[1]	4,975		3,072	3,354
Receivables on non-accrual status		6,462		5,051	3,671
Total delinquent receivables		11,437		8,123	7,025
Total loans and finance receivables, gross		132,388		100,855	89,142
Less: Allowance for losses		(26,795)	(18,029)	(15,727)	(12,873)	(9,091)	(19,749)
Loans and finance receivables, net		105,593		85,128	76,269
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Current receivables		412,010		317,231	269,129
Delinquent payment amounts	[1]	1,721		1,510	1,351
Receivables on non-accrual status		31,368		23,566	23,717
Total delinquent receivables		33,089		25,076	25,068
Total loans and finance receivables, gross		445,099		342,307	294,197
Less: Allowance for losses		(50,226)	$ (42,437)	(36,943)	(36,974)	$ (27,974)	$ (30,875)
Loans and finance receivables, net		$ 394,873		$ 305,364	$ 257,223
[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 Receivables39

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 (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	$ 73,820	$ 51,261	$ 67,322	$ 64,948
Cost of revenue	95,496	65,066	230,449	145,320
Charge-offs	(90,744)	(67,057)	(250,373)	(195,760)
Recoveries	16,432	16,016	47,508	51,042
Effect of foreign currency translation	(257)	(544)	(159)	(808)
Balance at end of period	94,747	64,742	94,747	64,742
Liability for third-party lender-owned loans
Balance at beginning of period	1,833	1,428	1,756	1,576
(Decrease) increase in liability	(106)	548	(29)	400
Balance at end of period	1,727	1,976	1,727	1,976
Short-term Loans
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	13,354	14,196	14,652	14,324
Cost of revenue	20,464	18,106	47,860	44,547
Charge-offs	(21,301)	(22,133)	(59,664)	(59,705)
Recoveries	5,345	4,907	15,448	15,888
Effect of foreign currency translation	(136)	(181)	(570)	(159)
Balance at end of period	17,726	14,895	17,726	14,895
Liability for third-party lender-owned loans
Balance at beginning of period	1,392	1,276	1,298	1,575
(Decrease) increase in liability	66	209	160	(90)
Balance at end of period	1,458	1,485	1,458	1,485
Line of Credit Accounts
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	18,029	9,091	15,727	19,749
Cost of revenue	29,739	13,048	63,461	25,731
Charge-offs	(24,639)	(14,218)	(63,236)	(48,791)
Recoveries	3,666	4,956	10,843	16,372
Effect of foreign currency translation		(4)		(188)
Balance at end of period	26,795	12,873	26,795	12,873
Installment Loans and RPAs
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	42,437	27,974	36,943	30,875
Cost of revenue	45,293	33,912	119,128	75,042
Charge-offs	(44,804)	(30,706)	(127,473)	(87,264)
Recoveries	7,421	6,153	21,217	18,782
Effect of foreign currency translation	(121)	(359)	411	(461)
Balance at end of period	50,226	36,974	50,226	36,974
Liability for third-party lender-owned loans
Balance at beginning of period	441	152	458	1
(Decrease) increase in liability	(172)	339	(189)	490
Balance at end of period	$ 269	$ 491	$ 269	$ 491

Investment in Unconsolidated 40

Investment in Unconsolidated Investee - Additional information (Detail) - USD ($)	9 Months Ended
	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Investments All Other Investments [Abstract]
Cost method investments	$ 6,700,000	$ 6,700,000	$ 6,700,000
Investment impairment	$ 0

Long-Term Debt - Summary of Lon

Long-Term Debt - Summary of Long-Term Debt Instruments and Balances Outstanding (Detail) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Debt Instrument [Line Items]
Securitization notes	$ 136,953
Senior Notes	495,427	$ 494,867	$ 494,690
Subtotal	647,380	553,267	494,690
Less: Long-term debt issuance costs	(12,201)	(11,358)	(11,882)
Total long-term debt	635,179	541,909	$ 482,808
Revolving Line of Credit
Debt Instrument [Line Items]
Revolving line of credit	$ 15,000	$ 58,400

Long-term Debt - Additional Inf

Long-term Debt - Additional Information (Detail) - USD ($)	Jan. 15, 2016	May 14, 2014	Sep. 30, 2016	Jun. 30, 2016	Sep. 30, 2016	Sep. 30, 2015	Jan. 04, 2016	Dec. 31, 2015	Dec. 29, 2015	May 30, 2014
Debt Instrument [Line Items]
Aggregate availability of variable funding notes	$ 20,000,000
Maximum principal amount of securitization notes outstanding	$ 175,000,000
Carrying amount of senior notes			$ 136,953,000		$ 136,953,000
Unamortized debt issuance cost			$ 11,900,000		11,900,000			$ 11,400,000
Revolving Line of Credit
Debt Instrument [Line Items]
Required Leverage Ratio, current		3.00%	4.25%	4.00%
Required Leverage Ratio, quarter ended September 30, 2016				3.50%
Required Leverage Ratio, quarter ended December 31, 2016				3.50%
Revolving line of credit			$ 15,000,000		15,000,000			58,400,000
2016-1 Securitization Facility
Debt Instrument [Line Items]
Securitization notes final maturity date	Oct. 15, 2020
Securitization Notes issued pursuant to an indenture, date	Jan. 15, 2016
Date at Issuer not permitted to prepay or redeem any outstanding securitization notes prior	Oct. 17, 2016
Carrying amount of senior notes			134,500,000		134,500,000
Unamortized debt issuance cost			2,400,000		2,400,000
Interest expense recognized					9,500,000
Non-cash amortization of debt issuance costs					$ 2,600,000
Debt issuance cost, amortization period					4 years
2016-1 Securitization Facility | Agent's Base Rate
Debt Instrument [Line Items]
Securitization notes interest rate	1.00%
2016-1 Securitization Facility | Prime Rate
Debt Instrument [Line Items]
Securitization notes interest rate	7.75%
2016-1 Securitization Facility | LIBOR
Debt Instrument [Line Items]
Securitization notes initial interest rate	8.75%
Revolving Credit Facility Due 2017 | Unsecured Revolving Credit Facility | Jefferies Group, LLC
Debt Instrument [Line Items]
Debt issuance cost, amortization period					37 months
Maximum borrowing capacity		$ 40,000,000	35,000,000		$ 35,000,000				$ 75,000,000
Voluntary commitment reductions to revolving facility	$ 40,000,000
Line of credit facility decrease					5,000,000
Line of Credit Facility Increase									15,000,000
Revolving line of credit			15,000,000		15,000,000	$ 0		58,400,000
Debt issuance cost			1,600,000		1,600,000
Revolving Credit Facility Due 2017 | Unsecured Revolving Credit Facility | Scenario One | Jefferies Group, LLC
Debt Instrument [Line Items]
Line of Credit Facility Increase									$ 5,000,000
Revolving Credit Facility Due 2017 | Unsecured Revolving Credit Facility | Scenario Two | Jefferies Group, LLC
Debt Instrument [Line Items]
Line of Credit Facility Increase							$ 10,000,000
$500.0 Million 9.75% Senior Unsecured Notes Due 2021
Debt Instrument [Line Items]
Debt instrument, face amount										$ 500,000,000
Securitization notes interest rate										9.75%
Securitization notes initial interest rate										10.00%
Unamortized debt issuance cost			9,800,000		9,800,000	11,900,000
Interest expense recognized					38,700,000	38,700,000
Non-cash amortization of debt issuance costs					$ 1,600,000	1,600,000
Debt issuance cost, amortization period					7 years
Credit agreement, maturity date					Jun. 1, 2021
Carrying amount of senior notes			485,600,000		$ 485,600,000	482,800,000
Debt instrument unamortized discount			$ 4,600,000		4,600,000	5,300,000
Non-cash amortization discount					$ 600,000	$ 500,000
Weighted average interest rates			10.75%		10.75%	10.70%
Initial Term Note
Debt Instrument [Line Items]
Debt instrument, face amount	107,400,000
Unsecured consumer loans	$ 134,000,000
Enova Standby And Letter Of Credit | Revolving Line of Credit
Debt Instrument [Line Items]
Maximum borrowing capacity			$ 20,000,000		$ 20,000,000
Borrowings outstanding under credit agreement			$ 6,600,000		$ 6,600,000	$ 6,600,000		$ 6,600,000

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Income Tax Contingency [Line Items]
Effective tax rate	39.60%	36.50%
Deferred Tax Asset Adjustment
Income Tax Contingency [Line Items]
Increase in provision for income taxes	$ 887

Earnings Per Share - Reconcilia

Earnings Per Share - Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Share (Detail) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Numerator:
Net income	$ 7,837	$ 4,417	$ 25,888	$ 39,811
Weighted average common shares outstanding:
Total weighted average basic shares	33,211	33,000	33,176	33,000
Shares applicable to stock-based compensation	347	22	184	15
Total weighted average diluted shares	33,558	33,022	33,360	33,015
Net income – basic	$ 0.24	$ 0.13	$ 0.78	$ 1.21
Net income – diluted	$ 0.23	$ 0.13	$ 0.78	$ 1.21

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options not included in computation of diluted earnings per share	1,467,202	1,740,729	1,783,073	1,663,574
Restricted stock units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options not included in computation of diluted earnings per share	343,663	664,594	520,688	279,724

Operating Segment Information -

Operating Segment Information - Additional Information (Detail) $ in Thousands	9 Months Ended
	Sep. 30, 2016USD ($)Segment	Dec. 31, 2015USD ($)	Sep. 30, 2015USD ($)
Segment Reporting [Abstract]
Number of reportable segment | Segment	1
Property and equipment, net | $	$ 47,486	$ 48,055	$ 48,814

Operating Segment Information47

Operating Segment Information - Summary of Domestic, International Operations and Corporate Services (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Revenues [Abstract]
Revenue	$ 195,943	$ 165,227	$ 543,131	$ 477,183
Income from operations [Abstract]
Income from operations	28,097	18,946	88,753	103,396
Depreciation and amortization [Abstract]
Depreciation and amortization	3,789	3,882	12,004	14,198
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	3,817	2,182	11,466	28,684
Property and equipment, net [Abstract]
Property and equipment, net	47,486	48,814	47,486	48,814	$ 48,055
Assets
Assets	975,079	780,172	975,079	780,172	$ 840,537
Domestic
Revenues [Abstract]
Revenue	165,330	133,661	449,100	366,134
Income from operations [Abstract]
Income from operations	44,015	37,327	148,717	141,281
Depreciation and amortization [Abstract]
Depreciation and amortization	1,385	1,441	4,552	6,103
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	2,395	1,575	5,425	4,236
Property and equipment, net [Abstract]
Property and equipment, net	19,259	14,231	19,259	14,231
Assets
Assets	823,737	604,426	823,737	604,426
International
Revenues [Abstract]
Revenue	30,613	31,566	94,031	111,049
Income from operations [Abstract]
Income from operations	5,659	2,799	16,136	37,822
Depreciation and amortization [Abstract]
Depreciation and amortization	409	581	1,813	1,663
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	1,043	744	2,489	2,367
Property and equipment, net [Abstract]
Property and equipment, net	5,094	5,350	5,094	5,350
Assets
Assets	98,842	112,078	98,842	112,078
Corporate Services
Income from operations [Abstract]
Income from operations	(21,577)	(21,180)	(76,100)	(75,707)
Depreciation and amortization [Abstract]
Depreciation and amortization	1,995	1,860	5,639	6,432
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	379	(137)	3,552	22,081
Property and equipment, net [Abstract]
Property and equipment, net	23,133	29,233	23,133	29,233
Assets
Assets	$ 52,500	$ 63,668	$ 52,500	$ 63,668

Operating Segment Information48

Operating Segment Information - Summary of Company's Revenue by Geographical Region (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Revenues [Abstract]
Revenue	$ 195,943	$ 165,227	$ 543,131	$ 477,183
United States
Revenues [Abstract]
Revenue	165,330	133,661	449,100	366,134
United Kingdom
Revenues [Abstract]
Revenue	26,793	28,236	78,882	102,621
Other International Countries
Revenues [Abstract]
Revenue	$ 3,820	$ 3,330	$ 15,149	$ 8,428

Commitments and Contingencies -

Commitments and Contingencies - Additional information (Detail) ft² in Thousands, $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2016USD ($)	Dec. 31, 2015USD ($)	Jun. 30, 2015ft²
Commitments And Contingencies [Line Items]
Leased area | ft²			86
Estimated sublease income		$ 1,700
Lease Termination Costs and Other Exit Costs
Commitments And Contingencies [Line Items]
Expense related to lease termination penalty		3,669
Adjustments to prior estimates	$ 334
Lease Termination Costs
Commitments And Contingencies [Line Items]
Expense related to lease termination penalty		2,861
Adjustments to prior estimates	403
Other Exit Costs
Commitments And Contingencies [Line Items]
Expense related to lease termination penalty		$ 808
Adjustments to prior estimates	$ (69)

Commitments and Contingencies50

Commitments and Contingencies - Exit and Disposal Activity and Liability Balances (Detail) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2016	Dec. 31, 2015
Lease Termination Costs
Commitments And Contingencies [Line Items]
Beginning Balance	$ 1,425	$ 707
Additions		2,861
Payments	(856)	(2,143)
Adjustments	403
Ending Balance	972	1,425
Other Exit Costs
Commitments And Contingencies [Line Items]
Beginning Balance	204
Additions		808
Payments		(604)
Adjustments	(69)
Ending Balance	135	204
Lease Termination Costs and Other Exit Costs
Commitments And Contingencies [Line Items]
Beginning Balance	1,629	707
Additions		3,669
Payments	(856)	(2,747)
Adjustments	334
Ending Balance	$ 1,107	$ 1,629

Derivative Instruments - Additi

Derivative Instruments - Additional Information (Details)	Sep. 30, 2016USD ($)
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Outstanding derivative instruments	$ 0

Derivative Instruments - Fair V

Derivative Instruments - Fair Values of Derivative Instruments (Detail) - Non-Designated Derivatives - Forward Currency Exchange Contracts - USD ($) $ in Thousands		Dec. 31, 2015	Sep. 30, 2015
Derivatives Fair Value [Line Items]
Derivative Assets, Notional Amount		$ 58,723	$ 15,540
Gross Amounts of Recognized Financial Instruments, Assets		151	10
Net Amounts of Assets Presented in the Consolidated Balance	[1]	$ 151	$ 10
[1]	Represents the fair value of forward currency contracts, which is recorded in “Accounts payable and accrued expenses” in the consolidated balance sheets.

Derivative Instruments - Fair53

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

Derivative Instruments - Effect

Derivative Instruments - Effect of Derivative Instruments on the Consolidated Results of Operations and Accumulated other Comprehensive Income (Detail) - Non-Designated Derivatives - USD ($) $ in Thousands		3 Months Ended	9 Months Ended
		Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income		$ 611	$ 3,020	$ 2,807
Forward Currency Exchange Contracts
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income	[1]	$ 611	$ 3,020	$ 2,807
[1]	The gains (losses) on these derivatives substantially offset the (losses) gains on the economically hedged portion of the foreign intercompany balances.

Related Party Transactions - Ad

Related Party Transactions - Additional Information (Detail) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015	Jun. 23, 2015
Related Party Transaction [Line Items]
Business Combination, promissory note				$ 3,000
Small Business
Related Party Transaction [Line Items]
Business Combination, promissory note	$ 3,000
Promissory note maturity date	Jun. 23, 2018
Interest expense related to promissory note	$ 91	$ 33
Transition services agreement fee income	$ 27	68
Debt instrument, interest rate	4.00%
Transition services agreement period	3 years
Cash America
Related Party Transaction [Line Items]
Professional fee		400
Consumer loans reimbursement amount	$ 700	900
Related party payable, net		100	$ 100
FirstCash
Related Party Transaction [Line Items]
Related party payable, net	100
RPAs | Small Business
Related Party Transaction [Line Items]
Paid RPAs, amount	$ 400	$ 5,800

Variable Interest Entities - Su

Variable Interest Entities - Summary of Carrying Amounts of Consolidated VIE Assets and Liabilities (Detail) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents	$ 45,681	$ 42,066	$ 34,310	$ 75,106
Restricted cash and cash equivalents	39,272	7,379	7,586
Loans and finance receivables, net	542,865	434,633	380,805
Other receivables and prepaid expenses	18,649	20,049	19,778
Liabilities
Accounts payable and accrued expenses	85,433	72,141	79,081
Long-term debt	635,179	$ 541,909	$ 482,808
Variable Interest Entity, Primary Beneficiary
Assets
Cash and cash equivalents	105
Restricted cash and cash equivalents	18,119
Loans and finance receivables, net	176,016
Other receivables and prepaid expenses	3
Total assets	194,243
Liabilities
Accounts payable and accrued expenses	991
Long-term debt	134,537
Total liabilities	$ 135,528

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Detail) - USD ($)	9 Months Ended
	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Transfer of Liabilities, amount	$ 0		$ 0
Transfer of assets, amount	0		0
Assets fair value non-recurring	0	$ 0	0
Liabilities fair value non-recurring	0	0	0
Accrual for losses on consumer loan guaranty obligations	$ 1,700,000	$ 1,700,000	$ 2,000,000
Maximum
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Cash and cash equivalent maturity period	90 days
Maximum | Short-term Loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	12 months
Maximum | Line of Credit Accounts
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	12 months
Maximum | Installment Loans and RPAs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	60 months
Maximum | RPAs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Estimated delivery term	18 months
Minimum | Installment Loans and RPAs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	2 months
Minimum | RPAs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Estimated delivery term	6 months

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Assets and Liabilities Measured on Recurring Basis (Detail) - USD ($) $ in Thousands		Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		$ (5,658)	$ (5,658)	$ (6,140)
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		(5,658)	(5,658)	(6,140)
Fair Value, Measurements, Recurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Forward currency exchange contracts			151	10
Non-qualified savings plan assets	[1]	1,528	1,075	1,015
Contingent consideration		(5,658)	(5,658)	(6,140)
Total		(4,130)	(4,432)	(5,115)
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]	1,528	1,075	1,015
Total		1,528	1,075	1,015
Fair Value, Measurements, Recurring | Level 2
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Forward currency exchange contracts			151	10
Total			151	10
Fair Value, Measurements, Recurring | Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		(5,658)	(5,658)	(6,140)
Total		$ (5,658)	$ (5,658)	$ (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 - Fai59

Fair Value Measurements - Fair Value Measurement for Contingent Consideration (Detail) - USD ($)	3 Months Ended	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2016	Sep. 30, 2015
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration, Beginning balance		$ 5,658,000
Contingent consideration, Issuance of contingent consideration			$ 6,140,000
Contingent consideration, Adjustments	$ 0	0
Contingent consideration, Ending balance	5,658,000	5,658,000	6,140,000
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration, Beginning balance		5,658,000
Contingent consideration, Issuance of contingent consideration			6,140,000
Contingent consideration, Ending balance	$ 5,658,000	$ 5,658,000	$ 6,140,000

Fair Value Measurements - Finan

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Detail) - USD ($) $ in Thousands		Sep. 30, 2016		Jun. 30, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Dec. 31, 2014
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		$ 1,727		$ 1,833	$ 1,756	$ 1,976	$ 1,428	$ 1,576
Carrying Value
Financial assets:
Cash and cash equivalents		45,681			42,066	34,310
Short-term loans and line of credit accounts, net	[1]	147,992			129,269	123,582
Installment loans and RPAs, net	[1]	394,873	[2]		305,364	257,223
Restricted cash		39,272	[3]		7,379	7,586
Investment in unconsolidated investee	[4],[5]	6,703			6,703	6,703
Total		634,521			490,781	429,404
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		1,727			1,756	1,976
Promissory note		3,000			3,000	3,000
Credit agreement borrowings		15,000			58,400
Securitization Notes		136,953
Senior Notes		495,427			494,867	494,690
Total		652,107			558,023	499,666
Level 1 | Estimated Fair Value
Financial assets:
Cash and cash equivalents		45,681			42,066	34,310
Restricted cash		39,272	[3]		7,379	7,586
Total		84,953			49,445	41,896
Level 2 | Estimated Fair Value
Financial liabilities:
Securitization Notes		139,911
Senior Notes		455,875			374,500	421,250
Total		595,786			374,500	421,250
Level 3 | Estimated Fair Value
Financial assets:
Short-term loans and line of credit accounts, net	[1]	147,992			129,269	123,582
Installment loans and RPAs, net	[1]	448,111	[2]		283,700	257,223
Investment in unconsolidated investee	[4],[5]	6,703			6,703	6,703
Total		602,806			419,672	387,508
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		1,727			1,756	1,976
Promissory note		3,076			2,984	2,995
Credit agreement borrowings		15,000			58,400
Total		$ 19,803			$ 63,140	$ 4,971
[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]	Installment loan and RPAs, net include $176.0 million in net assets of consolidated VIEs as of September 30, 2016.
[3]	Restricted cash includes $18.1 million in assets of consolidated VIEs as of September 30, 2016.
[4]	Investment in unconsolidated investee is included in “Other assets” in the consolidated balance sheets.
[5]	See Note 4 for additional information related to the investment in unconsolidated investee.

Fair Value Measurements - Fin61

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Parenthetical) (Detail) - Variable Interest Entity, Primary Beneficiary $ in Millions	Sep. 30, 2016USD ($)
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Installment loans and RPAs, net	$ 176
Restricted cash	$ 18.1

Condensed Consolidating Finan62

Condensed Consolidating Financial Statements -Additional Information (Detail)	Sep. 30, 2016
Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Percentage of ownership	100.00%

Condensed Consolidating Finan63

Condensed Consolidating Financial Statements - Condensed Consolidating Balance Sheets - (Detail) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents	$ 45,681	$ 42,066	$ 34,310	$ 75,106
Restricted cash and cash equivalents	39,272	7,379	7,586
Loans and finance receivables, net	542,865	434,633	380,805
Income taxes receivable		5,503	5,683
Other receivables and prepaid expenses	18,649	20,049	19,778
Property and equipment, net	47,486	48,055	48,814
Goodwill	267,012	267,008	271,568
Intangible assets, net	5,675	6,540	3,698
Other assets	8,439	9,304	7,930
Total assets	975,079	840,537	780,172
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	85,433	72,141	79,081
Income taxes currently payable	5,149
Deferred tax liabilities, net	16,233	20,519	19,007
Long-term debt	635,179	541,909	482,808
Total liabilities	741,994	634,569	580,896
Commitments and contingencies
Stockholders' equity	233,085	205,968	199,276	153,984
Total liabilities and stockholders' equity	975,079	840,537	780,172
Parent
Assets
Income taxes receivable		37,201	36,400
Other receivables and prepaid expenses	141	162	205
Investment in subsidiaries	278,999	233,632	221,265
Intercompany receivable	413,472	480,112	439,587
Other assets	460	2,284	908
Total assets	693,072	753,391	698,365
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	16,386	5,514	16,281
Income taxes currently payable	(56,364)
Deferred tax liabilities, net	(677)
Long-term debt	500,642	541,909	482,808
Total liabilities	459,987	547,423	499,089
Commitments and contingencies
Stockholders' equity	233,085	205,968	199,276
Total liabilities and stockholders' equity	693,072	753,391	698,365
Guarantor Subsidiaries
Assets
Cash and cash equivalents	43,127	40,927	32,408	72,367
Restricted cash and cash equivalents	21,152	7,379	7,586
Loans and finance receivables, net	358,142	430,862	379,087
Income taxes receivable		(31,709)	(30,700)
Other receivables and prepaid expenses	18,222	19,791	19,502
Property and equipment, net	47,050	47,821	48,646
Goodwill	267,012	267,008	271,568
Intangible assets, net	5,670	6,532	3,689
Investment in subsidiaries	22,358	14,177	12,021
Intercompany receivable			5
Other assets	7,979	7,020	7,022
Total assets	790,712	809,808	750,834
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	67,931	66,220	62,468
Intercompany payables	357,650	480,906	439,587
Income taxes currently payable	61,521
Deferred tax liabilities, net	17,394	20,562	19,007
Total liabilities	504,496	567,688	521,062
Commitments and contingencies
Stockholders' equity	286,216	242,120	229,772
Total liabilities and stockholders' equity	790,712	809,808	750,834
Non-Guarantor Subsidiaries
Assets
Cash and cash equivalents	2,554	1,139	1,902	$ 2,739
Restricted cash and cash equivalents	18,120
Loans and finance receivables, net	184,723	3,771	1,718
Income taxes receivable		11	(17)
Other receivables and prepaid expenses	286	96	71
Property and equipment, net	436	234	168
Intangible assets, net	5	8	9
Intercompany receivable		794
Total assets	206,124	6,053	3,851
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	1,116	407	332
Intercompany payables	55,826		5
Income taxes currently payable	(8)
Deferred tax liabilities, net	(484)	(43)
Long-term debt	134,537
Total liabilities	190,987	364	337
Commitments and contingencies
Stockholders' equity	15,137	5,689	3,514
Total liabilities and stockholders' equity	206,124	6,053	3,851
Eliminations
Assets
Investment in subsidiaries	(301,357)	(247,809)	(233,286)
Intercompany receivable	(413,472)	(480,906)	(439,592)
Total assets	(714,829)	(728,715)	(672,878)
Liabilities and Stockholders' Equity
Intercompany payables	(413,476)	(480,906)	(439,592)
Total liabilities	(413,476)	(480,906)	(439,592)
Commitments and contingencies
Stockholders' equity	(301,353)	(247,809)	(233,286)
Total liabilities and stockholders' equity	$ (714,829)	$ (728,715)	$ (672,878)

Condensed Consolidating Finan64

Condensed Consolidating Financial Statements - Consolidating Statements of Income and Comprehensive Income - (Detail) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Condensed Financial Statements Captions [Line Items]
Revenue		$ 195,943	$ 165,227	$ 543,131	$ 477,183
Cost of Revenue		95,391	65,614	230,421	145,720
Gross Profit		100,552	99,613	312,710	331,463
Expenses
Marketing		26,722	35,568	73,500	84,431
Operations and technology		20,637	18,590	61,706	54,156
General and administrative		21,307	22,627	76,747	75,282
Depreciation and amortization		3,789	3,882	12,004	14,198
Total Expenses		72,455	80,667	223,957	228,067
Income from Operations		28,097	18,946	88,753	103,396
Interest expense, net		(16,117)	(13,292)	(48,058)	(39,501)
Foreign currency transaction gain (loss)		145	(212)	2,184	(1,187)
Income before Income Taxes		12,125	5,442	42,879	62,708
Provision for income taxes		4,288	1,025	16,991	22,897
Income (loss) before Equity in Net Earnings of Subsidiaries		7,837	4,417	25,888	39,811
Net Income		7,837	4,417	25,888	39,811
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain	[1]	(1,245)	(2,852)	(5,070)	(1,060)
Total other comprehensive loss, net of tax		(1,245)	(2,852)	(5,070)	(1,060)
Comprehensive Income		6,592	1,565	20,818	38,751
Parent
Expenses
General and administrative		37	100	185	536
Total Expenses		37	100	185	536
Income from Operations		(37)	(100)	(185)	(536)
Interest expense, net		(13,342)	(13,172)	(39,793)	(39,459)
Foreign currency transaction gain (loss)		145	(212)	2,184	(1,186)
Income before Income Taxes		(13,234)	(13,484)	(37,794)	(41,181)
Provision for income taxes		(4,832)	(4,716)	(14,977)	(15,038)
Income (loss) before Equity in Net Earnings of Subsidiaries		(8,402)	(8,768)	(22,817)	(26,143)
Income (loss) from equity investments in subsidiaries		16,239	13,185	48,705	65,954
Net Income		7,837	4,417	25,888	39,811
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain		(1,245)	(2,852)	(5,070)	(1,060)
Total other comprehensive loss, net of tax		(1,245)	(2,852)	(5,070)	(1,060)
Comprehensive Income		6,592	1,565	20,818	38,751
Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Revenue		170,288	164,590	478,434	476,261
Cost of Revenue		78,283	65,201	182,729	145,018
Gross Profit		92,005	99,389	295,705	331,243
Expenses
Marketing		26,348	35,448	72,488	84,148
Operations and technology		19,505	18,093	58,642	52,925
General and administrative		18,539	22,256	72,867	73,999
Depreciation and amortization		3,761	3,871	11,936	14,172
Total Expenses		68,153	79,668	215,933	225,244
Income from Operations		23,852	19,721	79,772	105,999
Interest expense, net		(123)	(120)	613	(45)
Income before Income Taxes		23,729	19,601	80,385	105,954
Provision for income taxes		8,451	5,741	31,853	37,922
Income (loss) before Equity in Net Earnings of Subsidiaries		15,278	13,860	48,532	68,032
Income (loss) from equity investments in subsidiaries		961	(675)	173	(2,078)
Net Income		16,239	13,185	48,705	65,954
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain		(1,084)	(2,035)	(6,342)	(174)
Total other comprehensive loss, net of tax		(1,084)	(2,035)	(6,342)	(174)
Comprehensive Income		15,155	11,150	42,363	65,780
Non-Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Revenue		24,157	637	64,697	922
Cost of Revenue		17,108	413	47,692	702
Gross Profit		7,049	224	17,005	220
Expenses
Marketing		374	120	1,012	283
Operations and technology		1,132	497	3,064	1,231
General and administrative		1,233	271	3,695	747
Depreciation and amortization		28	11	68	26
Total Expenses		2,767	899	7,839	2,287
Income from Operations		4,282	(675)	9,166	(2,067)
Interest expense, net		(2,652)		(8,878)	3
Foreign currency transaction gain (loss)					(1)
Income before Income Taxes		1,630	(675)	288	(2,065)
Provision for income taxes		669		115	13
Income (loss) before Equity in Net Earnings of Subsidiaries		961	(675)	173	(2,078)
Net Income		961	(675)	173	(2,078)
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain		(160)	(817)	1,270	(886)
Total other comprehensive loss, net of tax		(160)	(817)	1,270	(886)
Comprehensive Income		801	(1,492)	1,443	(2,964)
Eliminations
Condensed Financial Statements Captions [Line Items]
Revenue		1,498
Gross Profit		1,498
Expenses
General and administrative		1,498
Total Expenses		1,498
Income (loss) from equity investments in subsidiaries		(17,200)	(12,510)	(48,878)	(63,876)
Net Income		(17,200)	(12,510)	(48,878)	(63,876)
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain		1,244	2,852	5,072	1,060
Total other comprehensive loss, net of tax		1,244	2,852	5,072	1,060
Comprehensive Income		$ (15,956)	$ (9,658)	$ (43,806)	$ (62,816)
[1]	Net of tax benefit of $707 and $1,624 for the three months ended September 30, 2016 and 2015, respectively, and $2,860 and $394 for the nine months ended September 30, 2016 and 2015, respectively.

Condensed Consolidating Finan65

Condensed Consolidating Financial Statements - Consolidating Statements of Cash Flows - (Detail) - USD ($) $ in Thousands	Jun. 23, 2015	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities				$ 300,707	$ 205,541
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired				(987,255)	(829,653)
Loans and finance receivables repaid				651,865	630,969
Change in restricted cash				(32,776)
Acquisitions	$ (17,700)				(17,735)
Purchases of property and equipment		$ (3,817)	$ (2,182)	(11,466)	(28,684)
Other investing activities				72	10
Net cash used in investing activities				(379,560)	(245,093)
Cash Flows from Financing Activities
Debt issuance costs paid				(3,516)
Treasury shares purchased				(115)
Borrowings under revolving line of credit				45,000
Repayments under revolving line of credit				(88,400)
Borrowings under securitization facility				218,961
Repayments under securitization facility				(82,008)
Net cash provided by financing activities				89,922
Effect of exchange rates on cash				(7,454)	(1,244)
Net (decrease) increase in cash and cash equivalents				3,615	(40,796)
Cash and cash equivalents at beginning of year				42,066	75,106
Cash and cash equivalents at end of period		45,681	34,310	45,681	34,310
Parent
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities				87,477	4,298
Cash Flows from Investing Activities
Capital contributions to subsidiaries				(43,962)	(4,298)
Net cash used in investing activities				(43,962)	(4,298)
Cash Flows from Financing Activities
Treasury shares purchased				(115)
Borrowings under revolving line of credit				45,000
Repayments under revolving line of credit				(88,400)
Net cash provided by financing activities				(43,515)
Guarantor Subsidiaries
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities				216,799	199,564
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired				(976,614)	(826,951)
Securitized loans transferred				278,076
Loans and finance receivables repaid				525,636	629,642
Change in restricted cash				(14,656)
Acquisitions					(17,735)
Purchases of property and equipment				(11,262)	(28,566)
Capital contributions to subsidiaries				(8,005)	(5,755)
Other investing activities				72	10
Net cash used in investing activities				(206,753)	(249,355)
Cash Flows from Financing Activities
Payments for (proceeds from) member's equity				(176)	9,779
Net cash provided by financing activities				(176)	9,779
Effect of exchange rates on cash				(7,670)	53
Net (decrease) increase in cash and cash equivalents				2,200	(39,959)
Cash and cash equivalents at beginning of year				40,927	72,367
Cash and cash equivalents at end of period		43,127	32,408	43,127	32,408
Non-Guarantor Subsidiaries
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities				40,569	(3,802)
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired				(10,641)	(2,702)
Securitized loans transferred				(278,076)
Loans and finance receivables repaid				126,229	1,327
Change in restricted cash				(18,120)
Purchases of property and equipment				(204)	(118)
Net cash used in investing activities				(180,812)	(1,493)
Cash Flows from Financing Activities
Payments for (proceeds from) member's equity				8,005	5,755
Debt issuance costs paid				(3,516)
Borrowings under securitization facility				218,961
Repayments under securitization facility				(82,008)
Net cash provided by financing activities				141,442	5,755
Effect of exchange rates on cash				216	(1,297)
Net (decrease) increase in cash and cash equivalents				1,415	(837)
Cash and cash equivalents at beginning of year				1,139	2,739
Cash and cash equivalents at end of period		$ 2,554	$ 1,902	2,554	1,902
Eliminations
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities				(44,138)	5,481
Cash Flows from Investing Activities
Capital contributions to subsidiaries				51,967	10,053
Net cash used in investing activities				51,967	10,053
Cash Flows from Financing Activities
Payments for (proceeds from) member's equity				(7,829)	(15,534)
Net cash provided by financing activities				$ (7,829)	$ (15,534)

Subsequent Events - Additional

Subsequent Events - Additional Information (Detail) - USD ($)	Oct. 20, 2016	Jan. 15, 2016	Sep. 30, 2016	May 30, 2014
2016-1 Securitization Facility
Subsequent Event [Line Items]
Securitization Notes issued pursuant to an indenture, date		Jan. 15, 2016
Date at Issuer not permitted to prepay or redeem any outstanding securitization notes prior		Oct. 17, 2016
$500.0 Million 9.75% Senior Unsecured Notes Due 2021
Subsequent Event [Line Items]
Debt instrument, face amount				$ 500,000,000
Securitization notes interest rate				9.75%
Credit agreement, maturity date			Jun. 1, 2021
Subsequent Event | 2016-1 Securitization Facility
Subsequent Event [Line Items]
Securitization Notes issued pursuant to an indenture, date	Jan. 15, 2016
Maximum principal amount of securitization facility	$ 275,000,000
Variable funding note maximum principal amount	40,000,000
Variable funding note maximum principal amount thereafter	$ 30,000,000
Date at Issuer not permitted to prepay or redeem any outstanding securitization notes prior	Oct. 31, 2017
Weighted average interest rate	9.50%
Subsequent Event | $500.0 Million 9.75% Senior Unsecured Notes Due 2021
Subsequent Event [Line Items]
Debt instrument, face amount	$ 500,000,000
Securitization notes interest rate	9.75%