Enova International (ENVA) 10-Q 1 Nov 17 2017 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2017	Oct. 30, 2017
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, 2017
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	Q3
Amendment Flag	false
Entity Common Stock, Shares Outstanding		33,464,780

CONSOLIDATED BALANCE SHEETS (Un

CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016	Sep. 30, 2016
Assets
Cash and cash equivalents	$ 110,054	$ 39,934	$ 45,681
Restricted cash and cash equivalents	29,866	26,306	39,272
Loans and finance receivables, net	637,736	561,550	542,865
Income taxes receivable	9,319
Other receivables and prepaid expenses	23,796	19,524	18,649
Property and equipment, net	46,557	47,100	47,486
Goodwill	267,015	267,010	267,012
Intangible assets, net	4,593	5,404	5,675
Other assets	10,842	11,051	8,439
Total assets	1,139,778	977,879	975,079
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	78,897	71,671	85,433
Income taxes currently payable		282	5,149
Deferred tax liabilities, net	20,681	14,316	16,233
Long-term debt	765,395	649,911	635,179
Total liabilities	864,973	736,180	741,994
Commitments and contingencies (Note 8)
Stockholders' equity:
Common stock, $0.00001 par value, 250,000,000 shares authorized, 33,828,668, 33,260,017 and 33,364,525 shares issued and 33,608,611, 33,214,594 and 33,293,100 outstanding as of September 30, 2017 and 2016 and December 31, 2016, respectively	0	0	0
Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding
Additional paid in capital	26,749	18,446	16,338
Retained earnings	257,812	235,455	226,741
Accumulated other comprehensive loss	(7,017)	(11,578)	(9,692)
Treasury stock, at cost (220,057, 45,423 and 71,425 shares as of September 30, 2017 and 2016 and December 31, 2016, respectively)	(2,739)	(624)	(302)
Total stockholders' equity	274,805	241,699	233,085
Total liabilities and stockholders' equity	$ 1,139,778	$ 977,879	$ 975,079

CONSOLIDATED BALANCE SHEETS (U3

CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016	Sep. 30, 2016
Restricted cash and cash equivalents	$ 29,866	$ 26,306	$ 39,272
Loans and finance receivables, gross	742,796	660,495	637,612
Allowance for loan losses	105,060	98,945	94,747
Long-term debt	$ 186,533	$ 165,419	$ 136,953
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	33,828,668	33,364,525	33,260,017
Common stock, shares outstanding	33,608,611	33,293,100	33,214,594
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	220,057	71,425	45,423
Variable Interest Entity, Primary Beneficiary
Restricted cash and cash equivalents	$ 22,161	$ 19,468	$ 18,119
Loans and finance receivables, gross	296,478	234,497	191,534
Allowance for loan losses	22,115	17,731	15,518
Long-term debt	186,533	165,419	136,953
Unamortized debt issuance cost	$ 762	$ 1,869	$ 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, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Income Statement [Abstract]
Revenue	$ 217,878	$ 195,943	$ 600,045	$ 543,131
Cost of Revenue	107,341	95,391	269,087	230,421
Gross Profit	110,537	100,552	330,958	312,710
Expenses
Marketing	27,000	26,722	69,993	73,500
Operations and technology	27,163	20,637	72,512	61,706
General and administrative	25,164	21,307	77,105	76,747
Depreciation and amortization	3,533	3,789	10,396	12,004
Total Expenses	82,860	72,455	230,006	223,957
Income from Operations	27,677	28,097	100,952	88,753
Interest expense, net	(18,292)	(16,117)	(52,526)	(48,058)
Foreign currency transaction gain	65	145	354	2,184
Loss on early extinguishment of debt	(14,927)		(14,927)
(Loss) Income before Income Taxes	(5,477)	12,125	33,853	42,879
(Benefit from) provision for income taxes	(2,109)	4,288	11,496	16,991
Net (Loss) Income	$ (3,368)	$ 7,837	$ 22,357	$ 25,888
Net (loss) income per common share:
Basic	$ (0.10)	$ 0.24	$ 0.67	$ 0.78
Diluted	$ (0.10)	$ 0.23	$ 0.66	$ 0.78
Weighted average common shares outstanding:
Basic	33,670	33,211	33,533	33,176
Diluted	33,670	33,558	34,119	33,360

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Statement Of Income And Comprehensive Income [Abstract]
Net (Loss) Income		$ (3,368)	$ 7,837	$ 22,357	$ 25,888
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)	[1]	2,052	(1,245)	4,561	(5,070)
Total other comprehensive gain (loss), net of tax		2,052	(1,245)	4,561	(5,070)
Comprehensive (Loss) Income		$ (1,316)	$ 6,592	$ 26,918	$ 20,818
[1]	Net of tax (provision) benefit of $(1,161) and $707 for the three months ended September 30, 2017 and 2016, respectively, and $(2,578) and $2,860 for the nine months ended September 30, 2017 and 2016, respectively.

CONSOLIDATED STATEMENTS OF COM6

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Statement Of Income And Comprehensive Income [Abstract]
Tax (provision) benefit of foreign currency translation (gain) loss	$ (1,161)	$ 707	$ (2,578)	$ 2,860

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, 2015	$ 205,968			$ 9,924	$ 200,853	$ (4,622)	$ (187)
Balance, in shares at Dec. 31, 2015			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 gain (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)
Balance at Dec. 31, 2016	$ 241,699			18,446	235,455	(11,578)	$ (624)
Balance, in shares at Dec. 31, 2016	33,364,525		33,365,000				(71,000)
Stock-based compensation expense	$ 8,303			8,303
Shares issued under stock-based plans			464,000
Net income	22,357				22,357
Foreign currency translation gain (loss), net of tax	4,561	[1]				4,561
Purchases of treasury shares, at cost	(2,115)						$ (2,115)
Treasury Stock Shares Acquired							(149,000)
Balance at Sep. 30, 2017	$ 274,805			$ 26,749	$ 257,812	$ (7,017)	$ (2,739)
Balance, in shares at Sep. 30, 2017	33,828,668		33,829,000				(220,000)
[1]	Net of tax (provision) benefit of $(1,161) and $707 for the three months ended September 30, 2017 and 2016, respectively, and $(2,578) and $2,860 for the nine months ended September 30, 2017 and 2016, respectively.

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016
Cash Flows from Operating Activities
Net income	$ 22,357	$ 25,888
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	10,396	12,004
Amortization of deferred loan costs and debt discount	4,515	5,056
Cost of revenue	269,087	230,421
Stock-based compensation expense	8,303	6,414
Loss on early extinguishment of debt	14,927
Deferred income taxes, net	3,802	(1,364)
Other		(151)
Changes in operating assets and liabilities:
Finance and service charges on loans and finance receivables	(10,232)	(12,043)
Other receivables and prepaid expenses	(3,290)	1,700
Accounts payable and accrued expenses	1,033	22,130
Current income taxes	(9,601)	10,652
Net cash provided by operating activities	311,297	300,707
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired	(998,333)	(987,255)
Loans and finance receivables repaid	672,474	651,865
Change in restricted cash	(3,030)	(32,776)
Purchases of property and equipment	(10,804)	(11,466)
Other investing activities	1,798	72
Net cash used in investing activities	(337,895)	(379,560)
Cash Flows from Financing Activities
Borrowings under revolving line of credit	30,000	45,000
Repayments under revolving line of credit	(30,000)	(88,400)
Borrowings under securitization facility	137,200	218,961
Repayments under securitization facility	(116,085)	(82,008)
Issuance of senior notes	250,000
Repayments of senior notes	(155,000)
Debt issuance costs paid	(9,564)	(3,516)
Debt prepayment penalty paid	(11,335)
Treasury shares purchased	(2,115)	(115)
Net cash provided by financing activities	93,101	89,922
Effect of exchange rates on cash	3,617	(7,454)
Net increase in cash and cash equivalents	70,120	3,615
Cash and cash equivalents at beginning of year	39,934	42,066
Cash and cash equivalents at end of period	110,054	45,681
Supplemental Disclosures
Loans and finance receivables renewed	$ 234,258	$ 238,696

Significant Accounting Policies

Significant Accounting Policies	9 Months Ended
	Sep. 30, 2017
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”). Cash America (and then First Cash) retained approximately 20% of the Company’s stock but completed the sale of its entire holding in the Company as of December 6, 2016. 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 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, installment loan 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 lines of credit, small business installment loans and RPAs. 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, 2017 and 2016 and for the three and nine-month periods ended September 30, 2017 and 2016 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. These financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2016 and 2015 and for the years ended December 31, 2016, 2015 and 2014 and related notes, which are included on Form 10-K filed with the SEC on February 24, 2017. 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 and on loans it acquires. “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, purchase 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 and purchase fees are 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 Goodwill Goodwill represents the excess of the purchase price over the fair value of the net tangible and identifiable intangible assets acquired in each business combination. In accordance with Accounting Standards Codification (“ASC”) 350, Goodwill, The Company first assesses qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. In assessing the qualitative factors, management considers relevant events and circumstances including but not limited to macroeconomic conditions, industry and market environment, overall financial performance of the Company, cash flow from operating activities, market capitalization and stock price. If the Company determines that the two-step quantitative impairment test is required, management uses the income approach to complete its annual goodwill assessment. The income approach uses future cash flows and estimated terminal values for the Company that are discounted using a market participant perspective to determine the fair value, which is then compared to the carrying value to determine if there is impairment. The income approach includes assumptions about revenue growth rates, operating margins and terminal growth rates discounted by an estimated weighted-average cost of capital derived from other publicly-traded companies that are similar but not identical from an operational and economic standpoint. The Company completed its annual assessment of goodwill as of June 30, 2017 based on qualitative factors and determined that the fair value of its goodwill exceeded carrying value, and, as a result, no impairment existed at that date. Although no goodwill impairment was noted, there can be no assurances that future goodwill impairments will not occur. Adopted In March 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-09, Improvements to Employee Share-Based Payment Accounting In August 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) Accounting Standards to be Adopted in Future Periods In May 2017, the FASB issued ASU 2017-09, Compensation–Stock Compensation (Topic 718): Scope of Modification Accounting In January 2017, the FASB issued ASU 2017-05, Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets (Subtopic 610-20): Clarifying the Scope of Asset Derecognition Guidance and Accounting for Partial Sales of Nonfinancial Assets Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets, Revenue from Contracts with Customers (Topic 606) In January 2017, the FASB issued ASU 2017-04, Intangibles – Goodwill and Other (Topic 350) – Simplifying the Test for Goodwill Impairment In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805) – Clarifying the Definition of a Business In November 2016, the FASB issued ASU 2016-18, Statement of Cash Flows (Topic 230), Restricted Cash Statement of Cash Flows, In October 2016, the FASB issued ASU 2016-16, Income Taxes (Topic 740): Intra-Entity Transfers of Assets Other Than Inventory In June 2016, the FASB issued ASU 2016-13, Measurement of Credit Losses on Financial Instruments 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 May 2014, the FASB issued ASU 2014-09, which supersedes the revenue recognition requirements in ASC 605, Revenue Recognition. 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, Technical Corrections and Improvements to Topic 606, Revenue from Contracts with Customers The Company has completed its initial assessment of the guidance and determined its loan and finance receivables are excluded from the scope of ASU 2014-09. As a result of this scope exception, the Company has concluded the impact to the consolidated financial statements will not be material in the period of adoption and in future periods. The Company is finalizing its assessment of ASU 2014-09 and the impact on its financial statement disclosures Out-of-Period Adjustment In a review of marketing expenses related to the origination of loans, the Company determined during the quarter that certain amounts should be deferred over the life the corresponding loans. The Company recorded a reduction to revenue and marketing expense of $0.7 million and $1.9 million, respectively, in the third quarter of 2017 as an out-of-period adjustment related to amounts from prior periods previously recognized as expense. The Company believes this adjustment was not material to the current period or any previously issued financial statements.

Acquisitions

Acquisitions	9 Months Ended
	Sep. 30, 2017
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, which provide working capital for small businesses. 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. The fair value of the contingent purchase consideration was remeasured as of December 31, 2016 and a gain from the fair value remeasurement of $3.3 million was recognized. There was no change in fair value measurement of contingent consideration for the three and nine months ended September 30, 2017. 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, 2017
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, 2017 and 2016 was as follows (dollars in thousands): Three Months Ended Nine Months Ended September 30, September 30, 2017 2016 2017 2016 Short-term loans $ 49,875 $ 51,999 $ 144,074 $ 146,237 Line of credit accounts 68,889 59,090 187,172 158,338 Installment loans and RPAs 98,929 84,823 268,069 237,320 Total loans and finance receivables revenue 217,693 195,912 599,315 541,895 Other 185 31 730 1,236 Total revenue $ 217,878 $ 195,943 $ 600,045 $ 543,131 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 either a migration analysis or roll-rate based methodology to estimate losses inherent in the portfolio. The allowance or liability calculation under the migration analysis and roll-rate methodology 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 roll-rate methodology is based on delinquency status, payment history and recency factors to estimate future charge-offs. 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, 2017 and 2016 and December 31, 2016 were as follows (dollars in thousands): As of September 30, 2017 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 40,588 $ 146,891 $ 480,522 $ 668,001 Delinquent receivables: Delinquent payment amounts (1) — 5,913 3,382 9,295 Receivables on non-accrual status 27,131 1,885 36,484 65,500 Total delinquent receivables 27,131 7,798 39,866 74,795 Total loans and finance receivables, gross 67,719 154,689 520,388 742,796 Less: Allowance for losses (19,161 ) (26,810 ) (59,089 ) (105,060 ) Loans and finance receivables, net $ 48,558 $ 127,879 $ 461,299 $ 637,736 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 December 31, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 35,516 $ 130,576 $ 413,638 $ 579,730 Delinquent receivables: Delinquent payment amounts (1) — 4,560 2,110 6,670 Receivables on non-accrual status 27,489 9,047 37,559 74,095 Total delinquent receivables 27,489 13,607 39,669 80,765 Total loans and finance receivables, gross 63,005 144,183 453,307 660,495 Less: Allowance for losses (17,770 ) (26,594 ) (54,581 ) (98,945 ) Loans and finance receivables, net $ 45,235 $ 117,589 $ 398,726 $ 561,550 (1) Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment and RPA customers who have not delivered agreed upon receivables. 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, 2017 and 2016 were as follows (dollars in thousands): Three Months Ended September 30, 2017 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 $ 15,688 $ 22,847 $ 45,304 $ 83,839 Cost of revenue 23,724 23,439 60,102 107,265 Charge-offs (25,521 ) (22,708 ) (57,228 ) (105,457 ) Recoveries 5,082 3,232 10,630 18,944 Effect of foreign currency translation 188 — 281 469 Balance at end of period $ 19,161 $ 26,810 $ 59,089 $ 105,060 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,761 $ — $ 180 $ 1,941 Increase (decrease) in liability 125 — (49 ) 76 Balance at end of period $ 1,886 $ — $ 131 $ 2,017 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 Nine Months Ended September 30, 2017 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 $ 17,770 $ 26,594 $ 54,581 $ 98,945 Cost of revenue 55,865 63,138 150,063 269,066 Charge-offs (70,962 ) (73,252 ) (177,002 ) (321,216 ) Recoveries 16,009 10,330 30,782 57,121 Effect of foreign currency translation 479 — 665 1,144 Balance at end of period $ 19,161 $ 26,810 $ 59,089 $ 105,060 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,716 $ — $ 280 $ 1,996 Increase (decrease) in liability 170 — (149 ) 21 Balance at end of period $ 1,886 $ — $ 131 $ 2,017 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 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, 2017 and 2016 and December 31, 2016, the amount of consumer loans guaranteed by the Company was $28.9 million, $29.7 million and $32.2 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 $2.0 million, $1.7 million and $2.0 million, as of September 30, 2017 and 2016 and December 31, 2016, 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 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, 2017
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 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, 2017 and 2016 and December 31, 2016, 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, 2017, the Company determined that an impairment loss was not probable at that date.

Long-term Debt

Long-term Debt	9 Months Ended
	Sep. 30, 2017
Debt Disclosure [Abstract]
Long-term Debt	5. Long-term debt The Company’s long-term debt instruments and balances outstanding as of September 30, 2017 and 2016 and December 31, 2016 were as follows (dollars in thousands): September 30, December 31, 2017 2016 2016 Securitization notes $ 186,533 $ 136,953 $ 165,419 Revolving line of credit — 15,000 — 9.75% senior notes due 2021 342,407 495,427 495,622 8.50% senior notes due 2024 250,000 — — Subtotal 778,940 647,380 661,041 Less: Long-term debt issuance costs (13,545 ) (12,201 ) (11,130 ) Total long-term debt $ 765,395 $ 635,179 $ 649,911 8.50% Senior Unsecured Notes Due 2024 On September 1, 2017, the Company issued and sold $250.0 million in aggregate principal amount of 8.50% Senior Notes due 2024 (the “2024 Senior Notes”). The 2024 Senior Notes were sold to qualified institutional buyers in accordance with Rule 144A under the Securities Act of 1933, as amended (the “Securities Act”) and outside the United States pursuant to Regulation S under the Securities Act. The 2024 Senior Notes bear interest at a rate of 8.50% annually on the principal amount payable semi-annually in arrears on March 1 and September 1 of each year, beginning on March 1, 2018. The 2024 Senior Notes were sold at a price of 100%. The 2024 Senior Notes will mature on September 1, 2024. The 2024 Senior Notes are unsecured debt obligations of the Company, and are unconditionally guaranteed by certain of the Company’s domestic subsidiaries. The 2024 Senior Notes are redeemable at the Company’s option, in whole or in part, (i) at any time prior to September 1, 2020 at 100% of the aggregate principal amount of 2024 Senior Notes redeemed plus the applicable “make whole” premium specified in the indenture that governs the Company’s 2024 Notes (the "2024 Senior Notes Indenture"), plus accrued and unpaid interest, if any, to the redemption date and (ii) at any time on or after September 1, 2020 at the premium, if any, specified in the 2024 Senior Notes Indenture that will decrease over time, plus accrued and unpaid interest, if any, to the redemption date. In addition, prior to September 1, 2020, at its option, the Company may redeem up to 40% of the aggregate principal amount of the 2024 Senior Notes at a redemption price of 108.5% of the aggregate principal amount of 2024 Senior Notes redeemed, plus accrued and unpaid interest, if any, to the redemption date, with the proceeds of certain equity offerings as described in the 2024 Senior Notes Indenture. The 2024 Senior Notes and the related guarantees have not been and will not be registered under the Securities Act, or the securities laws of any state or other jurisdiction, and may not be offered or sold in the United States without registration or an applicable exemption from the registration requirements of the Securities Act and applicable state securities or blue sky laws and foreign securities laws. In connection with the issuance of the 2024 Senior Notes, the Company incurred approximately $7.6 million of issuance costs, which primarily consisted of underwriting fees, legal and other professional expenses. The Company used the net proceeds of the 2024 Senior Notes offering to retire a portion of its outstanding 9.75% senior notes due 2021, to pay the related accrued interest, premiums, fees and expenses associated therewith and for general corporate purposes, which may include working capital and future repurchases of its outstanding debt securities. As of September 30, 2017, the carrying amount of the 2024 Senior Notes was $242.5 million, which includes unamortized issuance costs of $7.5 million. The total interest expense recognized was $1.9 million for the nine months ended September 30, 2017. Consumer Loan Securitization 2016-1 Facility On January 15, 2016, the Company and certain of its subsidiaries entered into a receivables securitization (as amended, 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; the 2016‑1 Securitization Facility was amended to increase the availability to $40 million until December 31, 2016, and $30 million thereafter, as discussed below. 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 was limited to $175 million; the 2016‑1 Securitization Facility was amended to increase the maximum principal amount to $275 million, as discussed below. 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 2016‑1 Securitization Facility has been amended to extend the revolving period to October 2017 and the latest maturity to October 2021, as discussed below. 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 was 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. 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 are 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. 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. 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 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 included 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 the Receivables 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 the 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. On October 20, 2016, the Company and certain of its subsidiaries entered into a Third Amendment and Limited Waiver (the “Third Amendment”) to amend the Indenture and Receivables Purchase Agreement. The Third Amendment increased the maximum principal amount of the 2016‑1 Facility to $275 million, increased the Variable Funding Notes maximum principal amount to $40 million until December 31, 2016, and $30 million thereafter, and extended the revolving period of the facility to October 2017. The Third Amendment also adjusted the Note Interest Rate on Term Notes issued after, and amounts outstanding under the Variable Funding Notes after, the date of the Third Amendment (as such terms are defined in the Indenture). The weighted average interest rate on such adjusted Notes is 9.5%. On November 14, 2016, the Company and certain of its subsidiaries entered into a Fourth Amendment (the “Fourth Amendment”) to amend the Indenture and Receivables Purchase Agreement. The Fourth Amendment adjusted the Investment Pool Cumulative Delinquency Trigger (as such term is defined in the Indenture), with an effective date of October 31, 2016. On December 14, 2016, the Company and certain of its subsidiaries entered into a Fifth Amendment (the “Fifth Amendment”) to amend the Indenture and Receivables Purchase Agreement. The Fifth Amendment adjusted the Investment Pool Cumulative Delinquency Trigger (as such term is defined in the Indenture) for the Initial Term Notes, with an effective date of November 30, 2016, expanded the categories of Receivables that could be financed through the 2016‑1 Facility and made certain other minor changes. These changes provide the Company with additional flexibility under the 2016‑1 Facility. As of September 30, 2017 and 2016, the carrying amount of the 2016‑1 Securitization Facility was $173.7 million and $134.5 million, respectively, which included unamortized issuance costs of $0.8 million and $2.4 million, respectively. The issuance costs are being amortized to interest expense over a period of four years. The total interest expense recognized was $11.4 million and $9.5 million of which $1.1 million and $2.6 million represented the non-cash amortization of the issuance costs for the nine months ended September 30, 2017 and 2016, respectively. 2016‑2 Facility On December 1, 2016, the Company and certain of its subsidiaries entered into a receivables securitization (the “2016‑2 Facility”) with Redpoint Capital Asset Funding, LLC, as lender (the “Lender”). The 2016‑2 Facility securitizes unsecured consumer installment loans (“Redpoint Receivables”) that have been and will be originated or acquired under the Company’s NetCredit brand by several of the Company’s subsidiaries (the “Originators”) and that meet specified eligibility criteria, including that the annual percentage rate for each securitized consumer loan is greater than or equal to 90%. Under the 2016‑2 Facility, Redpoint Receivables are sold to a wholly-owned special purpose subsidiary of the Company (the “Debtor”) and serviced by another subsidiary of the Company. The Debtor has issued a revolving note with an initial maximum principal balance of $20.0 million (the “Initial Facility Size”), which is required to be secured by $25.0 million in unsecured consumer loans. The Initial Facility Size may be increased under the 2016‑2 Facility to $40 million. The 2016‑2 Facility is non-recourse to the Company and matures on December 1, 2019. The 2016‑2 Facility is governed by a loan and security agreement, dated as of December 1, 2016, between the Lender and the Debtor. The 2016‑2 Facility bears interest at a rate per annum equal to LIBOR (subject to a floor) plus an applicable margin, which rate per annum was initially 12.50%. In addition, the Debtor paid certain customary upfront closing fees to the Lender. Interest payments on the 2016‑2 Facility will be made monthly. Subject to certain exceptions, the Debtor is not permitted to prepay the 2016‑2 Facility prior to October 1, 2018. Following such date, the Debtor is permitted to voluntarily prepay the 2016‑2 Facility without penalty. Any remaining amounts outstanding will be payable no later than December 1, 2019. All amounts due under the 2016‑2 Facility are secured by all of the Debtor’s assets, which include the Redpoint Receivables transferred to the Debtor, related rights under the Redpoint Receivables, a bank account and certain other related collateral. The 2016‑2 Facility documents contain customary provisions for securitizations, including: representations and warranties as to the eligibility of the Redpoint Receivables and other matters; indemnification for specified losses not including losses due to the inability of consumers to repay the related Receivables; and default and termination provisions which provide for the acceleration of the 2016‑2 Facility in circumstances including, but not limited to, failure to make payments when due, certain insolvency events, breaches of representations, warranties or covenants, failure to maintain the security interest in the receivables and defaults under other material indebtedness of the Debtor. As of September 30, 2017, the carrying amount of the 2016‑2 Facility was $12.1 million. In connection with the issuance of the 2016‑2 Facility, the Company incurred debt issuance costs of approximately $0.2 million. The unamortized balance of these costs as of September 30, 2017 is included in “Other assets” in the consolidated balance sheets. These costs are being amortized to interest expense over a period of 36 months, the term of the 2016‑2 Facility. The total interest expense recognized was $1.4 million for the nine months ended September 30, 2017. Revolving Credit Facilities On May 14, 2014, the Company and certain of its 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 “2014 Credit Agreement”). The 2014 Credit Agreement was terminated on June 30, 2017. The Company had no outstanding borrowings under the 2014 Credit Agreement as of September 30, 2016 and December 31, 2016. The 2014 Credit Agreement also included a sub-limit of up to $20.0 million for standby or commercial letters of credit. In the event that an amount was paid by the issuing bank under a letter of credit, it would have been due and payable by the Company on demand. The Company had outstanding letters of credit under the 2014 Credit Agreement of $6.6 million as of each of September 30, 2016 and December 31, 2016. In connection with the issuance of the 2014 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 was included in “Other assets” in the consolidated balance sheets. These costs were amortized to interest expense over a period of 37 months, the term of the 2014 Credit Agreement. On June 30, 2017, the Company and certain of its operating subsidiaries entered into an asset-backed secured revolving credit agreement with a syndicate of banks including TBK Bank, SSB (“TBK”), as Administrative Agent and Collateral Agent, Jefferies Finance LLC and TBK as Joint Lead Arrangers and Joint Lead Bookrunners, and Green Bank, N.A., as Lender (the “2017 Credit Agreement”). The 2017 Credit Agreement is secured by domestic receivables and replaced the 2014 Credit Agreement. The borrowing limit in the 2017 Credit Agreement increased to $40 million from $35 million in the 2014 Credit Agreement, and its maturity date is May 1, 2020. The Company had no outstanding borrowings under the 2017 Credit Agreement as of September 30, 2017. The 2017 Credit Agreement provides for a revolving credit line with interest on borrowings under the facility at prime rate plus 1.00%. In addition, the 2017 Credit Agreement provides for payment of a commitment fee calculated with respect to the unused portion of the line, and ranges from 0.30% per annum to 0.50% per annum depending on usage. A portion of the revolving credit facility, up to a maximum of $20 million, is available for the issuance of letters of credit. The Company had outstanding letters of credit under the 2017 Credit Agreement of $8.0 million as of September 30, 2017. The 2017 Credit Agreement provides for certain prepayment penalties if it is terminated on or before its first and second anniversary date, subject to certain exceptions. The 2017 Credit Agreement contains certain limitations on the incurrence of additional indebtedness, investments, the attachment of liens to the Company’s property, the amount of dividends and other distributions, fundamental changes to the Company or its business and certain other activities of the Company. The 2017 Credit Agreement contains standard financial covenants for a facility of this type based on a leverage ratio and a fixed charge coverage ratio. The 2017 Credit Agreement also provides for customary affirmative covenants, including financial reporting requirements, and certain events of default, including payment defaults, covenant defaults and other customary defaults. In connection with the issuance of the 2017 Credit Agreement, as amended, the Company incurred debt issuance costs of approximately $2.0 million, which primarily consisted of underwriting fees and legal expenses. The unamortized balance of these costs as of September 30, 2017 is included in “Other assets” in the consolidated balance sheets. These costs are being amortized to interest expense over a period of 34 months, the term of the 2017 Credit Agreement. 9.75% Senior Unsecured Notes Due 2021 On May 30, 2014, the Company issued and sold $500.0 million in aggregate principal amount of 9.75% Senior Notes due 2021 (the “2021 Senior Notes”). The 2021 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 2021 Senior Notes were sold at a discount of the principal amount to yield 10.0% to maturity and will mature on June 1, 2021. During the three months ended September 30, 2017, the Company repurchased $155.0 million principal amount of the 2021 Senior Notes for aggregate cash consideration of $166.3 million plus accrued interest. In connection with these purchases, the Company recorded a loss on extinguishment of debt of approximately $14.9 million ($9.2 million net of tax), which is included in “Loss on early extinguishment of debt” in the consolidated statements of income. As of September 30, 2017 and 2016, the carrying amount of the 2021 Senior Notes was $337.1 million and $485.6 million, respectively, which included an unamortized discount of $2.6 million and $4.6 million, respectively, and unamortized issuance costs of $5.3 million and $9.8 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 for the nine months ended September 30, 2017 Weighted-average interest rates on long-term debt were 10.58% and 10.75% during the nine months ended September 30, 2017 and 2016, respectively. As of September 30, 2017 and 2016 and

Earnings Per Share

Earnings Per Share	9 Months Ended
	Sep. 30, 2017
Earnings Per Share [Abstract]
Earnings Per Share	6. Earnings Per Share Basic earnings per share is computed by dividing net (loss) 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, 2017 and 2016 (in thousands, except per share amounts): Three Months Ended Nine Months Ended September 30, September 30, 2017 2016 2017 2016 Numerator: Net (loss) income $ (3,368 ) $ 7,837 $ 22,357 $ 25,888 Denominator: Total weighted average basic shares 33,670 33,211 33,533 33,176 Shares applicable to stock-based compensation — 347 586 184 Total weighted average diluted shares 33,670 33,558 34,119 33,360 Earnings per share: Net (loss) income per share – basic $ (0.10 ) $ 0.24 $ 0.67 $ 0.78 Net (loss) income per share – diluted $ (0.10 ) $ 0.23 $ 0.66 $ 0.78 For the three months ended September 30, 2017 and 2016 September 30, 2017 and 2016

Operating Segment Information

Operating Segment Information	9 Months Ended
	Sep. 30, 2017
Segment Reporting [Abstract]
Operating Segment Information	7. Operating Segment Information The Company provides online financial services to alternative credit consumers and small businesses in the United States, United Kingdom and Brazil and has one reportable segment, which is composed of the Company’s domestic and international operations and corporate services. 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, 2017 and 2016 (dollars in thousands): Three Months Ended Nine Months Ended September 30, September 30, 2017 2016 2017 2016 Revenue Domestic $ 181,584 $ 165,330 $ 504,326 $ 449,100 International 36,294 30,613 95,719 94,031 Total revenue $ 217,878 $ 195,943 $ 600,045 $ 543,131 Income (Loss) from operations Domestic $ 55,767 $ 44,015 $ 176,402 $ 148,717 International (1,983 ) 5,659 3,939 16,136 Corporate services (26,107 ) (21,577 ) (79,389 ) (76,100 ) Total income from operations $ 27,677 $ 28,097 $ 100,952 $ 88,753 Depreciation and amortization Domestic $ 1,634 $ 1,385 $ 4,692 $ 4,552 International 396 409 1,136 1,813 Corporate services 1,503 1,995 4,568 5,639 Total depreciation and amortization $ 3,533 $ 3,789 $ 10,396 $ 12,004 Expenditures for property and equipment Domestic $ 2,231 $ 2,395 $ 4,271 $ 5,425 International 1,281 1,043 3,401 2,489 Corporate services 1,991 379 3,132 3,552 Total expenditures for property and equipment $ 5,503 $ 3,817 $ 10,804 $ 11,466 September 30, 2017 2016 Property and equipment, net Domestic $ 22,541 $ 19,259 International 7,106 5,094 Corporate services 16,910 23,133 Total property and equipment, net $ 46,557 $ 47,486 Assets Domestic $ 899,495 $ 823,737 International 126,583 98,842 Corporate services 113,700 52,500 Total assets $ 1,139,778 $ 975,079 Geographic Information The following table presents the Company’s revenue by geographic region for the three and nine months ended September 30, 2017 and 2016 (dollars in thousands): Three Months Ended Nine Months Ended September 30, September 30, 2017 2016 2017 2016 Revenue United States $ 181,584 $ 165,330 $ 504,326 $ 449,100 United Kingdom 30,679 26,793 82,528 78,882 Other international countries 5,615 3,820 13,191 15,149 Total revenue $ 217,878 $ 195,943 $ 600,045 $ 543,131 The Company’s long-lived assets, which consist of the Company’s property and equipment, were $46.6 million and $47.5 million at September 30, 2017 and 2016, 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, 2017
Commitments And Contingencies Disclosure [Abstract]
Commitments and Contingencies	8. Commitments and Contingencies Litigation On March 8, 2013, Flemming Kristensen, on behalf of himself and others similarly situated, filed a purported class action lawsuit in the U.S. District Court of Nevada against the Company and other unaffiliated lenders and lead providers. The lawsuit alleges that the lead provider defendants sent unauthorized text messages to consumers on behalf of the Company and the other lender defendants in violation of the Telephone Consumer Protection Act. The complaint seeks class certification, statutory damages, an injunction against “wireless spam activities,” and attorneys’ fees and costs. The Company filed an answer to the complaint denying all liability. On March 26, 2014, the Court granted class certification. On 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. Appellate briefing is now complete, and the court has heard oral arguments. 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 involved in certain routine legal proceedings, claims and litigation matters encountered in the ordinary course of its business. Certain of these matters may be covered to an extent by insurance or by indemnification agreements with third parties. The Company has recorded accruals in its consolidated financial statements for those matters in which it is probable that it has incurred a loss and the amount of the loss, or range of loss, can be reasonably estimated. 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. The Company did not incur further material costs related to the relocation. 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, 2017 and the twelve months ended December 31, 2016 (in thousands): Lease Termination Costs Other Exit Costs Total Balance at January 1, 2016 $ 1,425 $ 204 $ 1,629 Payments (1,132 ) — (1,132 ) Adjustments 344 (69 ) 275 Balance at December 31, 2016 $ 637 $ 135 $ 772 Balance at January 1, 2017 $ 637 $ 135 $ 772 Payments (554 ) (9 ) (563 ) Adjustments (83 ) (126 ) (209 ) Balance at September 30, 2017 $ — $ — $ —

Derivative Instruments

Derivative Instruments	9 Months Ended
	Sep. 30, 2017
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Derivative Instruments	9 . Derivative Instruments The Company has periodically used derivative instruments to manage risk from changes in market conditions that may affect the Company’s financial performance. The Company has primarily used derivative instruments to manage its primary market risks, which are interest rate risk and foreign currency exchange rate risk. The Company has periodically used 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” in the Company’s consolidated statements of income. As of September 30, 2017, the Company did not manage its exposure to risk from foreign currency exchange rate fluctuations through the use of forward currency exchange contracts in the United Kingdom or Brazil. The Company had no outstanding derivative instruments as of September 30, 2017 and 2016 and December 31, 2016. There were no effects of derivative instruments on the consolidated results of operations and accumulated other comprehensive income (“AOCI”) for the three months ended September 30, 2017 and 2016. The following table presents information on the effect of derivative instruments on the consolidated results of operations and accumulated other comprehensive income for the nine months ended September 30, 2017 and 2016 (dollars in thousands): 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, 2017 2016 2017 2016 2017 2016 Non-designated derivatives: Forward currency exchange contracts (1) $ — $ 3,020 $ — $ — $ — $ — Total $ — $ 3,020 $ — $ — $ — $ — (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, 2017
Related Party Transactions [Abstract]
Related Party Transactions	10. 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, 2017 the Company did not attain any relationships through these transactions with the small business. During the nine months ended September 30, 2016, the Company paid $0.4 million 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, 2017 and 2016, the Company incurred interest expense of $95 thousand and $91 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, 2017 and 2016, the Company was paid $24 thousand and $27 thousand, respectively, for such services. 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 $0.6 million and $0.7 million for the nine months ended September 30, 2017 and 2016, 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 FirstCash of $0.1 million as of September 30, 2017 and 2016 December 31, 2016, respectively,

Variable Interest Entities

Variable Interest Entities	9 Months Ended
	Sep. 30, 2017
Variable Interest Entities [Abstract]
Variable Interest Entities	11. 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 and 2016-2 Securitization Facilities. 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, 2017 2016 2016 Assets Cash and cash equivalents $ — $ 105 $ — Restricted cash and cash equivalents 22,161 18,119 19,468 Loans and finance receivables, net 274,363 176,016 216,766 Other receivables and prepaid expenses — 3 3 Other assets 2,056 — 2,459 Total assets $ 298,580 $ 194,243 $ 238,696 Liabilities Accounts payable and accrued expenses $ 1,793 $ 991 $ 1,350 Long-term debt 185,771 134,537 163,550 Total liabilities $ 187,564 $ 135,528 $ 164,900

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2017
Fair Value Disclosures [Abstract]
Fair Value Measurements	12. 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, 2017 and 2016, 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, 2017 and 2016 and December 31, 2016 are as follows (dollars in thousands): September 30, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) $ 1,443 $ 1,443 $ — $ — Contingent consideration (2,358 ) — — (2,358 ) Total $ (915 ) $ 1,443 $ — $ (2,358 ) 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 ) December 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) $ 1,590 $ 1,590 $ — $ — Contingent consideration (2,358 ) — — (2,358 ) Total $ (768 ) $ 1,590 $ — $ (2,358 ) (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 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, 2015 $ 5,658 $ 5,658 Adjustments — — Balance at September 30, 2016 $ 5,658 $ 5,658 Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Contingent consideration Total Balance at December 31, 2016 $ 2,358 $ 2,358 Adjustments — — Balance at September 30, 2017 $ 2,358 $ 2,358 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, 2017 and 2016 and December 31, 2016 Financial Assets and Liabilities Not Measured at Fair Value The Company’s financial assets and liabilities as of September 30, 2017 and 2016 and December 31, 2016 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 2017 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 110,054 $ 110,054 $ — $ — Short-term loans and line of credit accounts, net (1) 176,437 — — 176,437 Installment loans and RPAs, net (1)(4) 461,299 — — 496,377 Restricted cash (5) 29,866 29,866 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 784,359 $ 139,920 $ — $ 679,517 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 2,017 $ — $ — $ 2,017 Promissory note 3,000 — — 3,245 Securitization Notes 186,533 — 189,005 — 9.75% senior notes due 2021 342,407 — 363,796 — 8.50% senior notes due 2024 250,000 — 252,000 — Total $ 783,957 $ — $ 804,801 $ 5,262 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 — 9.75% senior notes due 2021 495,427 — 455,875 — Total $ 652,107 $ — $ 595,786 $ 19,803 Balance at December 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 39,934 $ 39,934 $ — $ — Short-term loans and line of credit accounts, net (1) 162,824 — — 162,824 Installment loans and RPAs, net (1)(4) 398,726 — — 430,895 Restricted cash (5) 26,306 26,306 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 634,493 $ 66,240 $ — $ 600,422 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,996 $ — $ — $ 1,996 Promissory note 3,000 — — 3,111 Securitization Notes 165,419 — 168,216 — 9.75% senior notes due 2021 495,622 — 495,940 — Total $ 666,037 $ — $ 664,156 $ 5,107 (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 $274.4 million, $176.0 million and $216.8 million in net assets of consolidated VIEs as of September 30, 2017 and 2016 and December 31, 2016, respectively. (5) Restricted cash includes $22.2 million, $18.1 million and $19.5 million in assets of consolidated VIEs as of September 30, 2017 and 2016 and December 31, 2016, respectively. 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, 2017 and 2016 and December 31, 2016, the fair value of the Company’s installment loans and RPAs was greater than the carrying value of these loans and finance receivables. Unsecured installment loans typically have terms between two and 60 months. RPAs typically have estimated delivery terms between six and 18 months. 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, 2017 and 2016 and December 31, 2016 the Company estimated the fair value of its investment to be approximately equal to the book value. 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 $2.0 million, $1.7 million and $2.0 million as of September 30, 2017 and 2016 and December 31, 2016, 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, 2017 and 2016 and December 31, 2016, the Promissory Note had a higher 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 Securitization Notes is estimated based on quoted prices in markets that are not active. As of , the Company’s Securitization Notes had a higher fair value than the carrying value. The Company measures the fair value of its 9.75% senior notes due 2021 using Level 2 inputs. The fair value of the Company’s 9.75% senior notes due 2021 is estimated based on quoted prices in markets that are not active. As of , the Company’s 9.75% due 2021 had a higher fair value than the carrying value. , The Company measures the fair value of its 8.50% senior notes due 2024 using Level 2 inputs. The fair value of the Company’s 8.50% senior notes due 2024 is estimated based on quoted prices in markets that are not active. As of the Company’s 8.50% s due 2024 had a higher fair value than the carrying value.

Condensed Consolidating Financi

Condensed Consolidating Financial Statements	9 Months Ended
	Sep. 30, 2017
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Condensed Consolidating Financial Statements	13. Condensed Consolidating Financial Statements The Company’s Senior 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, 2017 and 2016 and December 31, 2016 and for the periods ended September 30, 2017 and 2016 are shown on the following pages. CONDENSED CONSOLIDATING BALANCE SHEETS As of September 30, 2017 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ 54,055 $ 50,996 $ 5,003 $ — $ 110,054 Restricted cash — 7,705 22,161 — 29,866 Loans and finance receivables, net — 351,627 286,109 — 637,736 Income taxes receivable 105,140 (95,852 ) 31 — 9,319 Other receivables and prepaid expenses 245 21,271 2,280 — 23,796 Property and equipment, net — 45,925 632 — 46,557 Goodwill — 267,015 — — 267,015 Intangible assets, net — 4,593 — — 4,593 Investment in subsidiaries 362,991 45,924 — (408,915 ) — Intercompany receivable 343,514 — — (343,514 ) — Other assets 1,826 6,960 2,056 — 10,842 Total assets $ 867,771 $ 706,164 $ 318,272 $ (752,429 ) $ 1,139,778 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 13,795 $ 62,348 $ 2,754 $ — $ 78,897 Intercompany payables — 252,154 91,360 (343,514 ) — Deferred tax liabilities, net (453 ) 21,634 (500 ) — 20,681 Long-term debt 579,624 — 185,771 — 765,395 Total liabilities 592,966 336,136 279,385 (343,514 ) 864,973 Commitments and contingencies Stockholders' equity 274,805 370,028 38,887 (408,915 ) 274,805 Total liabilities and stockholders' equity $ 867,771 $ 706,164 $ 318,272 $ (752,429 ) $ 1,139,778 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 December 31, 2016 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 36,057 $ 3,877 $ — $ 39,934 Restricted cash — 6,838 19,468 — 26,306 Loans and finance receivables, net — 335,160 226,390 — 561,550 Other receivables and prepaid expenses 127 19,095 302 — 19,524 Property and equipment, net — 46,507 593 — 47,100 Goodwill — 267,010 — — 267,010 Intangible assets, net — 5,400 4 — 5,404 Investment in subsidiaries 294,646 25,131 — (319,777 ) — Intercompany receivable 363,942 — — (363,942 ) — Other assets 597 7,995 2,459 — 11,051 Total assets $ 659,312 $ 749,193 $ 253,093 $ (683,719 ) $ 977,879 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 4,310 $ 65,714 $ 1,647 $ — $ 71,671 Intercompany payables — 295,763 68,179 (363,942 ) — Income taxes currently payable (72,704 ) 73,006 (20 ) — 282 Deferred tax liabilities, net (354 ) 15,156 (486 ) — 14,316 Long-term debt 486,361 — 163,550 — 649,911 Total liabilities 417,613 449,639 232,870 (363,942 ) 736,180 Commitments and contingencies Stockholders' equity 241,699 299,554 20,223 (319,777 ) 241,699 Total liabilities and stockholders' equity $ 659,312 $ 749,193 $ 253,093 $ (683,719 ) $ 977,879 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended September 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 178,908 $ 40,374 $ (1,404 ) $ 217,878 Cost of Revenue — 79,349 27,992 — 107,341 Gross Profit — 99,559 12,382 (1,404 ) 110,537 Expenses Marketing — 26,423 577 — 27,000 Operations and technology — 22,911 4,252 — 27,163 General and administrative 131 25,746 691 (1,404 ) 25,164 Depreciation and amortization — 3,486 47 — 3,533 Total Expenses 131 78,566 5,567 (1,404 ) 82,860 (Loss) Income from Operations (131 ) 20,993 6,815 — 27,677 Interest expense, net (14,238 ) (33 ) (4,021 ) — (18,292 ) Foreign currency transaction gain 65 — — — 65 Loss on early extinguishment of debt (14,927 ) — — — (14,927 ) (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (29,231 ) 20,960 2,794 — (5,477 ) (Benefit from) provision for income taxes (9,760 ) 6,746 905 — (2,109 ) (Loss) Income before Equity in Net Earnings of Subsidiaries (19,471 ) 14,214 1,889 — (3,368 ) Net earnings of subsidiaries 16,103 1,889 — (17,992 ) — Net (Loss) Income $ (3,368 ) $ 16,103 $ 1,889 $ (17,992 ) $ (3,368 ) Other comprehensive gain (loss), net of tax: Foreign currency translation gain (loss) 2,052 1,304 749 (2,053 ) 2,052 Total other comprehensive gain (loss), net of tax 2,052 1,304 749 (2,053 ) 2,052 Comprehensive (Loss) Income $ (1,316 ) $ 17,407 $ 2,638 $ (20,045 ) $ (1,316 ) 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 (Loss) Income 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 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (13,234 ) 23,729 1,630 — 12,125 (Benefit from) provision for income taxes (4,832 ) 8,451 669 — 4,288 (Loss) Income 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, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 497,081 $ 106,902 $ (3,938 ) $ 600,045 Cost of Revenue — 197,281 71,806 — 269,087 Gross Profit — 299,800 35,096 (3,938 ) 330,958 Expenses Marketing — 68,686 1,307 — 69,993 Operations and technology — 65,090 7,422 — 72,512 General and administrative 265 76,060 4,718 (3,938 ) 77,105 Depreciation and amortization — 10,261 135 — 10,396 Total Expenses 265 220,097 13,582 (3,938 ) 230,006 (Loss) Income from Operations (265 ) 79,703 21,514 — 100,952 Interest expense, net (40,780 ) (97 ) (11,649 ) — (52,526 ) Foreign currency transaction gain 349 5 — — 354 Loss on early extinguishment of debt (14,927 ) — — — (14,927 ) (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (55,623 ) 79,611 9,865 — 33,853 (Benefit from) provision for income taxes (18,889 ) 27,034 3,351 — 11,496 (Loss) Income before Equity in Net Earnings of Subsidiaries (36,734 ) 52,577 6,514 — 22,357 Net earnings of subsidiaries 59,091 6,514 — (65,605 ) — Net Income (Loss) $ 22,357 $ 59,091 $ 6,514 $ (65,605 ) $ 22,357 Other comprehensive gain (loss), net of tax: Foreign currency translation gain (loss) 4,561 4,197 365 (4,562 ) 4,561 Total other comprehensive gain (loss), net of tax 4,561 4,197 365 (4,562 ) 4,561 Comprehensive Income (Loss) $ 26,918 $ 63,288 $ 6,879 $ (70,167 ) $ 26,918 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 (Loss) Income from Operations (185 ) 79,772 9,166 — 88,753 Interest (expense) income, net (39,793 ) 613 (8,878 ) — (48,058 ) Foreign currency transaction gain 2,184 — — — 2,184 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (37,794 ) 80,385 288 — 42,879 (Benefit from) provision for income taxes (14,977 ) 31,853 115 — 16,991 (Loss) Income 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 CASH FLOWS For the Nine Months Ended September 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ (17,931 ) $ 346,948 $ (8,712 ) $ (9,008 ) $ 311,297 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (974,211 ) (24,122 ) — (998,333 ) Securitized loans transferred — 201,518 (201,518 ) — — Loans and finance receivables repaid — 467,011 205,463 — 672,474 Change in restricted cash — (337 ) (2,693 ) — (3,030 ) Purchases of property and equipment — (10,651 ) (153 ) — (10,804 ) Capital contributions to subsidiaries — (11,785 ) — 11,785 — Other investing activities — 1,798 — — 1,798 Net cash (used in) provided by investing activities — (326,657 ) (23,023 ) 11,785 (337,895 ) Cash Flows from Financing Activities (Payments for) proceeds from member's equity — (9,008 ) 11,785 (2,777 ) — Debt issuance costs paid (9,564 ) — — — (9,564 ) Debt prepayment penalty (11,335 ) — — — (11,335 ) Treasury shares purchased (2,115 ) — — — (2,115 ) Issuance of Senior Notes 250,000 — — — 250,000 Repayments of Senior Notes (155,000 ) — — — (155,000 ) Borrowings under revolving line of credit 30,000 — — — 30,000 Repayments under revolving line of credit, net (30,000 ) — — — (30,000 ) Borrowings under securitization facility — — 137,200 — 137,200 Repayments under securitization facility — — (116,085 ) — (116,085 ) Net cash provided by (used in) financing activities 71,986 (9,008 ) 32,900 (2,777 ) 93,101 Effect of exchange rates on cash — 3,656 (39 ) — 3,617 Net increase in cash and cash equivalents 54,055 14,939 1,126 — 70,120 Cash and cash equivalents at beginning of year — 36,057 3,877 — 39,934 Cash and cash equivalents at end of period $ 54,055 $ 50,996 $ 5,003 $ — $ 110,054 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) provided by 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 (used in) provided by financing activities (43,515 ) (176 ) 141,442 (7,829 ) 89,922 Effect of exchange rates on cash — (7,670 ) 216 — (7,454 ) Net increase 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

Subsequent Events

Subsequent Events	9 Months Ended
	Sep. 30, 2017
Subsequent Events [Abstract]
Subsequent Events	14. Subsequent Events Subsequent events have been reviewed through the date these financial statements were available to be issued. Amendment of 2016-1 Securitization Facility On October 20, 2017, the Company and certain of its subsidiaries amended and restated the 2016‑1 Securitization Facility (the “Amended Facility”). The counterparties to the Amended Facility included certain purchasers, the Administrative Agent and the Indenture Trustee. The Amended Facility relates to Receivables that have been and will be originated or acquired under the Company’s NetCredit brand by the Originators and that meet specified eligibility criteria. Under the Amended Facility, additional Receivables may be sold to the Issuer and serviced by another subsidiary of the Company. In connection with the amendment and restatement, all of the outstanding notes issued by the Issuer prior to the Closing Date were redeemed and the Issuer issued an initial term note with an initial principal amount of $181.1 million (the “2017 Initial Term Note”) and variable funding notes (the “2017 Variable Funding Notes”) with an aggregate committed availability of $75 million per quarter with an option to increase the commitment to $90 million with the consent of the holders of the 2017 Variable Funding Notes. As described below, the Issuer will subsequently issue term notes (the “2017 Term Notes”) and, together with the 2017 Initial Term Note and the 2017 Variable Funding Notes, (the “2017 Securitization Notes”) at the end of each calendar quarter. The maximum principal amount of the 2017 Securitization Notes that may be outstanding at any time under the Amended Facility is $275 million. On each of January 2, 2018, April 2, 2018, July 2, 2018, October 1, 2018, December 31, 2018 and April 1, 2019, the Receivables financed under the 2017 Variable Funding Notes will be allocated to a 2017 Term Note, which 2017 Term Note will be issued to the holders of the 2017 Variable Funding Notes and the 2017 Variable Funding Note on such date will be reduced to zero. The 2017 Securitization Notes are non-recourse to the Company and mature at various dates, the latest of which will be April 15, 2021 (the “2017 Final Maturity Date”). The 2017 Securitization Notes are issued pursuant to an amended and restated indenture, dated as of the Closing Date, between the Issuer and the Indenture Trustee. The 2017 Securitization Notes bear interest at a rate per annum equal to One-Month LIBOR (subject to a floor) plus 7.50%. In addition, the Issuer paid certain customary upfront closing fees to the Administrative Agent and will pay customary annual commitment and other fees to the purchasers under the Amended Facility. Subject to certain exceptions, the Issuer is not permitted to prepay or redeem any of the 2017 Securitization Notes prior to April 15, 2019 except for a one-time prepayment of the 2017 Securitization Notes related to a removal of Receivables in an amount no greater than $100 million. Following such date, the Issuer is permitted to voluntarily prepay any of the 2017 Securitization Notes, subject to an optional redemption premium. Interest and principal payments on the 2017 Securitization Notes will be made monthly. Any remaining amounts outstanding will be payable no later than the 2017 Final Maturity Date. All amounts due under the 2017 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 Amended 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 2017 Securitization Notes under the Amended 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, and defaults under other material indebtedness. On October 26, 2017, the Issuer and the Indenture Trustee amended the Amended Facility to permit a holder of a 2017 Term Note or the 2017 Initial Term Note to exchange its notes for notes with an alternative structure with terms not materially different to the Issuer than the exchanged Term Notes or Initial Term Notes.

Significant Accounting Polici23

Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2017
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”). Cash America (and then First Cash) retained approximately 20% of the Company’s stock but completed the sale of its entire holding in the Company as of December 6, 2016. 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 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, installment loan 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 lines of credit, small business installment loans and RPAs. 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, 2017 and 2016 and for the three and nine-month periods ended September 30, 2017 and 2016 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. These financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2016 and 2015 and for the years ended December 31, 2016, 2015 and 2014 and related notes, which are included on Form 10-K filed with the SEC on February 24, 2017.
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 and on loans it acquires. “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, purchase 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 and purchase fees are 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
Goodwill	Goodwill Goodwill represents the excess of the purchase price over the fair value of the net tangible and identifiable intangible assets acquired in each business combination. In accordance with Accounting Standards Codification (“ASC”) 350, Goodwill, The Company first assesses qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. In assessing the qualitative factors, management considers relevant events and circumstances including but not limited to macroeconomic conditions, industry and market environment, overall financial performance of the Company, cash flow from operating activities, market capitalization and stock price. If the Company determines that the two-step quantitative impairment test is required, management uses the income approach to complete its annual goodwill assessment. The income approach uses future cash flows and estimated terminal values for the Company that are discounted using a market participant perspective to determine the fair value, which is then compared to the carrying value to determine if there is impairment. The income approach includes assumptions about revenue growth rates, operating margins and terminal growth rates discounted by an estimated weighted-average cost of capital derived from other publicly-traded companies that are similar but not identical from an operational and economic standpoint. The Company completed its annual assessment of goodwill as of June 30, 2017 based on qualitative factors and determined that the fair value of its goodwill exceeded carrying value, and, as a result, no impairment existed at that date. Although no goodwill impairment was noted, there can be no assurances that future goodwill impairments will not occur.
Adopted Accounting Standards	Adopted In March 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-09, Improvements to Employee Share-Based Payment Accounting In August 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) Accounting Standards to be Adopted in Future Periods In May 2017, the FASB issued ASU 2017-09, Compensation–Stock Compensation (Topic 718): Scope of Modification Accounting In January 2017, the FASB issued ASU 2017-05, Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets (Subtopic 610-20): Clarifying the Scope of Asset Derecognition Guidance and Accounting for Partial Sales of Nonfinancial Assets Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets, Revenue from Contracts with Customers (Topic 606) In January 2017, the FASB issued ASU 2017-04, Intangibles – Goodwill and Other (Topic 350) – Simplifying the Test for Goodwill Impairment In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805) – Clarifying the Definition of a Business In November 2016, the FASB issued ASU 2016-18, Statement of Cash Flows (Topic 230), Restricted Cash Statement of Cash Flows, In October 2016, the FASB issued ASU 2016-16, Income Taxes (Topic 740): Intra-Entity Transfers of Assets Other Than Inventory In June 2016, the FASB issued ASU 2016-13, Measurement of Credit Losses on Financial Instruments 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 May 2014, the FASB issued ASU 2014-09, which supersedes the revenue recognition requirements in ASC 605, Revenue Recognition. 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, Technical Corrections and Improvements to Topic 606, Revenue from Contracts with Customers The Company has completed its initial assessment of the guidance and determined its loan and finance receivables are excluded from the scope of ASU 2014-09. As a result of this scope exception, the Company has concluded the impact to the consolidated financial statements will not be material in the period of adoption and in future periods. The Company is finalizing its assessment of ASU 2014-09 and the impact on its financial statement disclosures
Out-of-Period Adjustment	Out-of-Period Adjustment In a review of marketing expenses related to the origination of loans, the Company determined during the quarter that certain amounts should be deferred over the life the corresponding loans. The Company recorded a reduction to revenue and marketing expense of $0.7 million and $1.9 million, respectively, in the third quarter of 2017 as an out-of-period adjustment related to amounts from prior periods previously recognized as expense. The Company believes this adjustment was not material to the current period or any previously issued financial statements.
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 either a migration analysis or roll-rate based methodology to estimate losses inherent in the portfolio. The allowance or liability calculation under the migration analysis and roll-rate methodology 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 roll-rate methodology is based on delinquency status, payment history and recency factors to estimate future charge-offs. 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 has periodically used 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” in the Company’s consolidated statements of income. As of September 30, 2017, the Company did not manage its exposure to risk from foreign currency exchange rate fluctuations through the use of forward currency exchange contracts in the United Kingdom or Brazil.

Loans and Finance Receivables24

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, 2017
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, 2017 and 2016 was as follows (dollars in thousands): Three Months Ended Nine Months Ended September 30, September 30, 2017 2016 2017 2016 Short-term loans $ 49,875 $ 51,999 $ 144,074 $ 146,237 Line of credit accounts 68,889 59,090 187,172 158,338 Installment loans and RPAs 98,929 84,823 268,069 237,320 Total loans and finance receivables revenue 217,693 195,912 599,315 541,895 Other 185 31 730 1,236 Total revenue $ 217,878 $ 195,943 $ 600,045 $ 543,131
Components of Company-Owned Loans and Finance Receivables	The components of Company-owned loans and finance receivables at September 30, 2017 and 2016 and December 31, 2016 were as follows (dollars in thousands): As of September 30, 2017 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 40,588 $ 146,891 $ 480,522 $ 668,001 Delinquent receivables: Delinquent payment amounts (1) — 5,913 3,382 9,295 Receivables on non-accrual status 27,131 1,885 36,484 65,500 Total delinquent receivables 27,131 7,798 39,866 74,795 Total loans and finance receivables, gross 67,719 154,689 520,388 742,796 Less: Allowance for losses (19,161 ) (26,810 ) (59,089 ) (105,060 ) Loans and finance receivables, net $ 48,558 $ 127,879 $ 461,299 $ 637,736 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 December 31, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 35,516 $ 130,576 $ 413,638 $ 579,730 Delinquent receivables: Delinquent payment amounts (1) — 4,560 2,110 6,670 Receivables on non-accrual status 27,489 9,047 37,559 74,095 Total delinquent receivables 27,489 13,607 39,669 80,765 Total loans and finance receivables, gross 63,005 144,183 453,307 660,495 Less: Allowance for losses (17,770 ) (26,594 ) (54,581 ) (98,945 ) Loans and finance receivables, net $ 45,235 $ 117,589 $ 398,726 $ 561,550 (1) Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment and RPA customers who have not delivered agreed upon receivables. 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, 2017 and 2016 were as follows (dollars in thousands): Three Months Ended September 30, 2017 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 $ 15,688 $ 22,847 $ 45,304 $ 83,839 Cost of revenue 23,724 23,439 60,102 107,265 Charge-offs (25,521 ) (22,708 ) (57,228 ) (105,457 ) Recoveries 5,082 3,232 10,630 18,944 Effect of foreign currency translation 188 — 281 469 Balance at end of period $ 19,161 $ 26,810 $ 59,089 $ 105,060 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,761 $ — $ 180 $ 1,941 Increase (decrease) in liability 125 — (49 ) 76 Balance at end of period $ 1,886 $ — $ 131 $ 2,017 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 Nine Months Ended September 30, 2017 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 $ 17,770 $ 26,594 $ 54,581 $ 98,945 Cost of revenue 55,865 63,138 150,063 269,066 Charge-offs (70,962 ) (73,252 ) (177,002 ) (321,216 ) Recoveries 16,009 10,330 30,782 57,121 Effect of foreign currency translation 479 — 665 1,144 Balance at end of period $ 19,161 $ 26,810 $ 59,089 $ 105,060 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,716 $ — $ 280 $ 1,996 Increase (decrease) in liability 170 — (149 ) 21 Balance at end of period $ 1,886 $ — $ 131 $ 2,017 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

Long-term Debt (Tables)

Long-term Debt (Tables)	9 Months Ended
	Sep. 30, 2017
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, 2017 and 2016 and December 31, 2016 were as follows (dollars in thousands): September 30, December 31, 2017 2016 2016 Securitization notes $ 186,533 $ 136,953 $ 165,419 Revolving line of credit — 15,000 — 9.75% senior notes due 2021 342,407 495,427 495,622 8.50% senior notes due 2024 250,000 — — Subtotal 778,940 647,380 661,041 Less: Long-term debt issuance costs (13,545 ) (12,201 ) (11,130 ) Total long-term debt $ 765,395 $ 635,179 $ 649,911

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2017
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, 2017 and 2016 (in thousands, except per share amounts): Three Months Ended Nine Months Ended September 30, September 30, 2017 2016 2017 2016 Numerator: Net (loss) income $ (3,368 ) $ 7,837 $ 22,357 $ 25,888 Denominator: Total weighted average basic shares 33,670 33,211 33,533 33,176 Shares applicable to stock-based compensation — 347 586 184 Total weighted average diluted shares 33,670 33,558 34,119 33,360 Earnings per share: Net (loss) income per share – basic $ (0.10 ) $ 0.24 $ 0.67 $ 0.78 Net (loss) income per share – diluted $ (0.10 ) $ 0.23 $ 0.66 $ 0.78

Operating Segment Information (

Operating Segment Information (Tables)	9 Months Ended
	Sep. 30, 2017
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, 2017 and 2016 (dollars in thousands): Three Months Ended Nine Months Ended September 30, September 30, 2017 2016 2017 2016 Revenue Domestic $ 181,584 $ 165,330 $ 504,326 $ 449,100 International 36,294 30,613 95,719 94,031 Total revenue $ 217,878 $ 195,943 $ 600,045 $ 543,131 Income (Loss) from operations Domestic $ 55,767 $ 44,015 $ 176,402 $ 148,717 International (1,983 ) 5,659 3,939 16,136 Corporate services (26,107 ) (21,577 ) (79,389 ) (76,100 ) Total income from operations $ 27,677 $ 28,097 $ 100,952 $ 88,753 Depreciation and amortization Domestic $ 1,634 $ 1,385 $ 4,692 $ 4,552 International 396 409 1,136 1,813 Corporate services 1,503 1,995 4,568 5,639 Total depreciation and amortization $ 3,533 $ 3,789 $ 10,396 $ 12,004 Expenditures for property and equipment Domestic $ 2,231 $ 2,395 $ 4,271 $ 5,425 International 1,281 1,043 3,401 2,489 Corporate services 1,991 379 3,132 3,552 Total expenditures for property and equipment $ 5,503 $ 3,817 $ 10,804 $ 11,466 September 30, 2017 2016 Property and equipment, net Domestic $ 22,541 $ 19,259 International 7,106 5,094 Corporate services 16,910 23,133 Total property and equipment, net $ 46,557 $ 47,486 Assets Domestic $ 899,495 $ 823,737 International 126,583 98,842 Corporate services 113,700 52,500 Total assets $ 1,139,778 $ 975,079
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, 2017 and 2016 (dollars in thousands): Three Months Ended Nine Months Ended September 30, September 30, 2017 2016 2017 2016 Revenue United States $ 181,584 $ 165,330 $ 504,326 $ 449,100 United Kingdom 30,679 26,793 82,528 78,882 Other international countries 5,615 3,820 13,191 15,149 Total revenue $ 217,878 $ 195,943 $ 600,045 $ 543,131

Commitments and Contingencies (

Commitments and Contingencies (Tables)	9 Months Ended
	Sep. 30, 2017
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, 2017 and the twelve months ended December 31, 2016 (in thousands): Lease Termination Costs Other Exit Costs Total Balance at January 1, 2016 $ 1,425 $ 204 $ 1,629 Payments (1,132 ) — (1,132 ) Adjustments 344 (69 ) 275 Balance at December 31, 2016 $ 637 $ 135 $ 772 Balance at January 1, 2017 $ 637 $ 135 $ 772 Payments (554 ) (9 ) (563 ) Adjustments (83 ) (126 ) (209 ) Balance at September 30, 2017 $ — $ — $ —

Derivative Instruments (Tables)

Derivative Instruments (Tables)	9 Months Ended
	Sep. 30, 2017
Derivative Instruments And Hedging Activities Disclosure [Abstract]
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 for the nine months ended September 30, 2017 and 2016 (dollars in thousands): 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, 2017 2016 2017 2016 2017 2016 Non-designated derivatives: Forward currency exchange contracts (1) $ — $ 3,020 $ — $ — $ — $ — Total $ — $ 3,020 $ — $ — $ — $ — (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, 2017
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, 2017 2016 2016 Assets Cash and cash equivalents $ — $ 105 $ — Restricted cash and cash equivalents 22,161 18,119 19,468 Loans and finance receivables, net 274,363 176,016 216,766 Other receivables and prepaid expenses — 3 3 Other assets 2,056 — 2,459 Total assets $ 298,580 $ 194,243 $ 238,696 Liabilities Accounts payable and accrued expenses $ 1,793 $ 991 $ 1,350 Long-term debt 185,771 134,537 163,550 Total liabilities $ 187,564 $ 135,528 $ 164,900

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2017
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, 2017 and 2016 and December 31, 2016 are as follows (dollars in thousands): September 30, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) $ 1,443 $ 1,443 $ — $ — Contingent consideration (2,358 ) — — (2,358 ) Total $ (915 ) $ 1,443 $ — $ (2,358 ) 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 ) December 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) $ 1,590 $ 1,590 $ — $ — Contingent consideration (2,358 ) — — (2,358 ) Total $ (768 ) $ 1,590 $ — $ (2,358 ) (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, 2015 $ 5,658 $ 5,658 Adjustments — — Balance at September 30, 2016 $ 5,658 $ 5,658 Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Contingent consideration Total Balance at December 31, 2016 $ 2,358 $ 2,358 Adjustments — — Balance at September 30, 2017 $ 2,358 $ 2,358
Financial Assets and Liabilities Not Measured at Fair Value	The Company’s financial assets and liabilities as of September 30, 2017 and 2016 and December 31, 2016 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 2017 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 110,054 $ 110,054 $ — $ — Short-term loans and line of credit accounts, net (1) 176,437 — — 176,437 Installment loans and RPAs, net (1)(4) 461,299 — — 496,377 Restricted cash (5) 29,866 29,866 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 784,359 $ 139,920 $ — $ 679,517 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 2,017 $ — $ — $ 2,017 Promissory note 3,000 — — 3,245 Securitization Notes 186,533 — 189,005 — 9.75% senior notes due 2021 342,407 — 363,796 — 8.50% senior notes due 2024 250,000 — 252,000 — Total $ 783,957 $ — $ 804,801 $ 5,262 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 — 9.75% senior notes due 2021 495,427 — 455,875 — Total $ 652,107 $ — $ 595,786 $ 19,803 Balance at December 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 39,934 $ 39,934 $ — $ — Short-term loans and line of credit accounts, net (1) 162,824 — — 162,824 Installment loans and RPAs, net (1)(4) 398,726 — — 430,895 Restricted cash (5) 26,306 26,306 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 634,493 $ 66,240 $ — $ 600,422 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,996 $ — $ — $ 1,996 Promissory note 3,000 — — 3,111 Securitization Notes 165,419 — 168,216 — 9.75% senior notes due 2021 495,622 — 495,940 — Total $ 666,037 $ — $ 664,156 $ 5,107 (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 $274.4 million, $176.0 million and $216.8 million in net assets of consolidated VIEs as of September 30, 2017 and 2016 and December 31, 2016, respectively. (5) Restricted cash includes $22.2 million, $18.1 million and $19.5 million in assets of consolidated VIEs as of September 30, 2017 and 2016 and December 31, 2016, respectively.

Condensed Consolidating Finan32

Condensed Consolidating Financial Statements (Tables)	9 Months Ended
	Sep. 30, 2017
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Condensed Consolidating Balance Sheets	CONDENSED CONSOLIDATING BALANCE SHEETS As of September 30, 2017 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ 54,055 $ 50,996 $ 5,003 $ — $ 110,054 Restricted cash — 7,705 22,161 — 29,866 Loans and finance receivables, net — 351,627 286,109 — 637,736 Income taxes receivable 105,140 (95,852 ) 31 — 9,319 Other receivables and prepaid expenses 245 21,271 2,280 — 23,796 Property and equipment, net — 45,925 632 — 46,557 Goodwill — 267,015 — — 267,015 Intangible assets, net — 4,593 — — 4,593 Investment in subsidiaries 362,991 45,924 — (408,915 ) — Intercompany receivable 343,514 — — (343,514 ) — Other assets 1,826 6,960 2,056 — 10,842 Total assets $ 867,771 $ 706,164 $ 318,272 $ (752,429 ) $ 1,139,778 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 13,795 $ 62,348 $ 2,754 $ — $ 78,897 Intercompany payables — 252,154 91,360 (343,514 ) — Deferred tax liabilities, net (453 ) 21,634 (500 ) — 20,681 Long-term debt 579,624 — 185,771 — 765,395 Total liabilities 592,966 336,136 279,385 (343,514 ) 864,973 Commitments and contingencies Stockholders' equity 274,805 370,028 38,887 (408,915 ) 274,805 Total liabilities and stockholders' equity $ 867,771 $ 706,164 $ 318,272 $ (752,429 ) $ 1,139,778 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 December 31, 2016 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 36,057 $ 3,877 $ — $ 39,934 Restricted cash — 6,838 19,468 — 26,306 Loans and finance receivables, net — 335,160 226,390 — 561,550 Other receivables and prepaid expenses 127 19,095 302 — 19,524 Property and equipment, net — 46,507 593 — 47,100 Goodwill — 267,010 — — 267,010 Intangible assets, net — 5,400 4 — 5,404 Investment in subsidiaries 294,646 25,131 — (319,777 ) — Intercompany receivable 363,942 — — (363,942 ) — Other assets 597 7,995 2,459 — 11,051 Total assets $ 659,312 $ 749,193 $ 253,093 $ (683,719 ) $ 977,879 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 4,310 $ 65,714 $ 1,647 $ — $ 71,671 Intercompany payables — 295,763 68,179 (363,942 ) — Income taxes currently payable (72,704 ) 73,006 (20 ) — 282 Deferred tax liabilities, net (354 ) 15,156 (486 ) — 14,316 Long-term debt 486,361 — 163,550 — 649,911 Total liabilities 417,613 449,639 232,870 (363,942 ) 736,180 Commitments and contingencies Stockholders' equity 241,699 299,554 20,223 (319,777 ) 241,699 Total liabilities and stockholders' equity $ 659,312 $ 749,193 $ 253,093 $ (683,719 ) $ 977,879
Condensed Consolidating Statements of Income and Comprehensive Income	CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended September 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 178,908 $ 40,374 $ (1,404 ) $ 217,878 Cost of Revenue — 79,349 27,992 — 107,341 Gross Profit — 99,559 12,382 (1,404 ) 110,537 Expenses Marketing — 26,423 577 — 27,000 Operations and technology — 22,911 4,252 — 27,163 General and administrative 131 25,746 691 (1,404 ) 25,164 Depreciation and amortization — 3,486 47 — 3,533 Total Expenses 131 78,566 5,567 (1,404 ) 82,860 (Loss) Income from Operations (131 ) 20,993 6,815 — 27,677 Interest expense, net (14,238 ) (33 ) (4,021 ) — (18,292 ) Foreign currency transaction gain 65 — — — 65 Loss on early extinguishment of debt (14,927 ) — — — (14,927 ) (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (29,231 ) 20,960 2,794 — (5,477 ) (Benefit from) provision for income taxes (9,760 ) 6,746 905 — (2,109 ) (Loss) Income before Equity in Net Earnings of Subsidiaries (19,471 ) 14,214 1,889 — (3,368 ) Net earnings of subsidiaries 16,103 1,889 — (17,992 ) — Net (Loss) Income $ (3,368 ) $ 16,103 $ 1,889 $ (17,992 ) $ (3,368 ) Other comprehensive gain (loss), net of tax: Foreign currency translation gain (loss) 2,052 1,304 749 (2,053 ) 2,052 Total other comprehensive gain (loss), net of tax 2,052 1,304 749 (2,053 ) 2,052 Comprehensive (Loss) Income $ (1,316 ) $ 17,407 $ 2,638 $ (20,045 ) $ (1,316 ) 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 (Loss) Income 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 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (13,234 ) 23,729 1,630 — 12,125 (Benefit from) provision for income taxes (4,832 ) 8,451 669 — 4,288 (Loss) Income 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, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 497,081 $ 106,902 $ (3,938 ) $ 600,045 Cost of Revenue — 197,281 71,806 — 269,087 Gross Profit — 299,800 35,096 (3,938 ) 330,958 Expenses Marketing — 68,686 1,307 — 69,993 Operations and technology — 65,090 7,422 — 72,512 General and administrative 265 76,060 4,718 (3,938 ) 77,105 Depreciation and amortization — 10,261 135 — 10,396 Total Expenses 265 220,097 13,582 (3,938 ) 230,006 (Loss) Income from Operations (265 ) 79,703 21,514 — 100,952 Interest expense, net (40,780 ) (97 ) (11,649 ) — (52,526 ) Foreign currency transaction gain 349 5 — — 354 Loss on early extinguishment of debt (14,927 ) — — — (14,927 ) (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (55,623 ) 79,611 9,865 — 33,853 (Benefit from) provision for income taxes (18,889 ) 27,034 3,351 — 11,496 (Loss) Income before Equity in Net Earnings of Subsidiaries (36,734 ) 52,577 6,514 — 22,357 Net earnings of subsidiaries 59,091 6,514 — (65,605 ) — Net Income (Loss) $ 22,357 $ 59,091 $ 6,514 $ (65,605 ) $ 22,357 Other comprehensive gain (loss), net of tax: Foreign currency translation gain (loss) 4,561 4,197 365 (4,562 ) 4,561 Total other comprehensive gain (loss), net of tax 4,561 4,197 365 (4,562 ) 4,561 Comprehensive Income (Loss) $ 26,918 $ 63,288 $ 6,879 $ (70,167 ) $ 26,918 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 (Loss) Income from Operations (185 ) 79,772 9,166 — 88,753 Interest (expense) income, net (39,793 ) 613 (8,878 ) — (48,058 ) Foreign currency transaction gain 2,184 — — — 2,184 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (37,794 ) 80,385 288 — 42,879 (Benefit from) provision for income taxes (14,977 ) 31,853 115 — 16,991 (Loss) Income 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 Cash Flows	CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Nine Months Ended September 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ (17,931 ) $ 346,948 $ (8,712 ) $ (9,008 ) $ 311,297 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (974,211 ) (24,122 ) — (998,333 ) Securitized loans transferred — 201,518 (201,518 ) — — Loans and finance receivables repaid — 467,011 205,463 — 672,474 Change in restricted cash — (337 ) (2,693 ) — (3,030 ) Purchases of property and equipment — (10,651 ) (153 ) — (10,804 ) Capital contributions to subsidiaries — (11,785 ) — 11,785 — Other investing activities — 1,798 — — 1,798 Net cash (used in) provided by investing activities — (326,657 ) (23,023 ) 11,785 (337,895 ) Cash Flows from Financing Activities (Payments for) proceeds from member's equity — (9,008 ) 11,785 (2,777 ) — Debt issuance costs paid (9,564 ) — — — (9,564 ) Debt prepayment penalty (11,335 ) — — — (11,335 ) Treasury shares purchased (2,115 ) — — — (2,115 ) Issuance of Senior Notes 250,000 — — — 250,000 Repayments of Senior Notes (155,000 ) — — — (155,000 ) Borrowings under revolving line of credit 30,000 — — — 30,000 Repayments under revolving line of credit, net (30,000 ) — — — (30,000 ) Borrowings under securitization facility — — 137,200 — 137,200 Repayments under securitization facility — — (116,085 ) — (116,085 ) Net cash provided by (used in) financing activities 71,986 (9,008 ) 32,900 (2,777 ) 93,101 Effect of exchange rates on cash — 3,656 (39 ) — 3,617 Net increase in cash and cash equivalents 54,055 14,939 1,126 — 70,120 Cash and cash equivalents at beginning of year — 36,057 3,877 — 39,934 Cash and cash equivalents at end of period $ 54,055 $ 50,996 $ 5,003 $ — $ 110,054 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) provided by 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 (used in) provided by financing activities (43,515 ) (176 ) 141,442 (7,829 ) 89,922 Effect of exchange rates on cash — (7,670 ) 216 — (7,454 ) Net increase 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

Significant Accounting Polici33

Significant Accounting Policies - Additional Information (Detail) - USD ($)	3 Months Ended	6 Months Ended
	Sep. 30, 2017	Jun. 30, 2017	Dec. 31, 2016	Dec. 06, 2016	Sep. 30, 2016	Nov. 13, 2014	Sep. 13, 2011
Significant Accounting Policies [Line Items]
Common stock, shares issued	33,828,668		33,364,525		33,260,017
Spin off percentage						80.00%
Goodwill impairment loss		$ 0
Reduction to revenue	$ (700,000)
Reduction to marketing expense	$ (1,900,000)
FirstCash
Significant Accounting Policies [Line Items]
Retained percentage of stock after spin-off				20.00%
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, 2017	Sep. 30, 2017	Sep. 30, 2016	Dec. 31, 2016	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
Business Combination, promissory note	3,000,000
Estimated contingent consideration payable	5,700,000	$ 2,358,000	$ 2,358,000	$ 5,658,000	$ 2,358,000	$ 5,658,000
Change fair value measurement contingent consideration		$ 0	$ 0	$ 0	$ 3,300,000
Maximum
Business Acquisition [Line Items]
Total consideration paid	$ 71,000,000

Loans and Finance Receivables35

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, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 217,693	$ 195,912	$ 599,315	$ 541,895
Other	185	31	730	1,236
Total revenue	217,878	195,943	600,045	543,131
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	49,875	51,999	144,074	146,237
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	68,889	59,090	187,172	158,338
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 98,929	$ 84,823	$ 268,069	$ 237,320

Loans and Finance Receivables36

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, 2017	Dec. 31, 2016	Sep. 30, 2016
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	$ 28.9	$ 32.2	$ 29.7
Accrual for losses on consumer loan guaranty obligations	$ 2	$ 2	$ 1.7
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 Receivables37

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, 2017	Jun. 30, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Dec. 31, 2015
Accounts Notes And Loans Receivable [Line Items]
Current receivables		$ 668,001		$ 579,730	$ 568,776
Delinquent payment amounts	[1]	9,295		6,670	6,696
Receivables on non-accrual status		65,500		74,095	62,140
Total delinquent receivables		74,795		80,765	68,836
Total loans and finance receivables, gross		742,796		660,495	637,612
Less: Allowance for losses		(105,060)	$ (83,839)	(98,945)	(94,747)	$ (73,820)	$ (67,322)
Loans and finance receivables, net		637,736		561,550	542,865
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Current receivables		40,588		35,516	35,815
Receivables on non-accrual status		27,131		27,489	24,310
Total delinquent receivables		27,131		27,489	24,310
Total loans and finance receivables, gross		67,719		63,005	60,125
Less: Allowance for losses		(19,161)	(15,688)	(17,770)	(17,726)	(13,354)	(14,652)
Loans and finance receivables, net		48,558		45,235	42,399
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Current receivables		146,891		130,576	120,951
Delinquent payment amounts	[1]	5,913		4,560	4,975
Receivables on non-accrual status		1,885		9,047	6,462
Total delinquent receivables		7,798		13,607	11,437
Total loans and finance receivables, gross		154,689		144,183	132,388
Less: Allowance for losses		(26,810)	(22,847)	(26,594)	(26,795)	(18,029)	(15,727)
Loans and finance receivables, net		127,879		117,589	105,593
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Current receivables		480,522		413,638	412,010
Delinquent payment amounts	[1]	3,382		2,110	1,721
Receivables on non-accrual status		36,484		37,559	31,368
Total delinquent receivables		39,866		39,669	33,089
Total loans and finance receivables, gross		520,388		453,307	445,099
Less: Allowance for losses		(59,089)	$ (45,304)	(54,581)	(50,226)	$ (42,437)	$ (36,943)
Loans and finance receivables, net		$ 461,299		$ 398,726	$ 394,873
[1]	Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment and RPA customers who have not delivered agreed upon receivables. See “Current and Delinquent Loans and Finance Receivables” above for additional information.

Loans and Finance Receivables38

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, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	$ 83,839	$ 73,820	$ 98,945	$ 67,322
Cost of revenue	107,265	95,496	269,066	230,449
Charge-offs	(105,457)	(90,744)	(321,216)	(250,373)
Recoveries	18,944	16,432	57,121	47,508
Effect of foreign currency translation	469	(257)	1,144	(159)
Balance at end of period	105,060	94,747	105,060	94,747
Liability for third-party lender-owned loans
Balance at beginning of period	1,941	1,833	1,996	1,756
Increase (decrease) in liability	76	(106)	21	(29)
Balance at end of period	2,017	1,727	2,017	1,727
Short-term Loans
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	15,688	13,354	17,770	14,652
Cost of revenue	23,724	20,464	55,865	47,860
Charge-offs	(25,521)	(21,301)	(70,962)	(59,664)
Recoveries	5,082	5,345	16,009	15,448
Effect of foreign currency translation	188	(136)	479	(570)
Balance at end of period	19,161	17,726	19,161	17,726
Liability for third-party lender-owned loans
Balance at beginning of period	1,761	1,392	1,716	1,298
Increase (decrease) in liability	125	66	170	160
Balance at end of period	1,886	1,458	1,886	1,458
Line of Credit Accounts
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	22,847	18,029	26,594	15,727
Cost of revenue	23,439	29,739	63,138	63,461
Charge-offs	(22,708)	(24,639)	(73,252)	(63,236)
Recoveries	3,232	3,666	10,330	10,843
Balance at end of period	26,810	26,795	26,810	26,795
Installment Loans and RPAs
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	45,304	42,437	54,581	36,943
Cost of revenue	60,102	45,293	150,063	119,128
Charge-offs	(57,228)	(44,804)	(177,002)	(127,473)
Recoveries	10,630	7,421	30,782	21,217
Effect of foreign currency translation	281	(121)	665	411
Balance at end of period	59,089	50,226	59,089	50,226
Liability for third-party lender-owned loans
Balance at beginning of period	180	441	280	458
Increase (decrease) in liability	(49)	(172)	(149)	(189)
Balance at end of period	$ 131	$ 269	$ 131	$ 269

Investment in Unconsolidated 39

Investment in Unconsolidated Investee - Additional information (Detail) - USD ($)	9 Months Ended
	Sep. 30, 2017	Dec. 31, 2016	Sep. 30, 2016
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, 2017	Dec. 31, 2016	Sep. 30, 2016
Debt Instrument [Line Items]
Securitization notes	$ 186,533	$ 165,419	$ 136,953
Subtotal	778,940	661,041	647,380
Less: Long-term debt issuance costs	(13,545)	(11,130)	(12,201)
Total long-term debt	765,395	649,911	635,179
9.75% Senior Notes Due 2021
Debt Instrument [Line Items]
Senior notes	342,407	$ 495,622	495,427
8.50% Senior Notes Due 2024
Debt Instrument [Line Items]
Senior notes	$ 250,000
Revolving Line of Credit
Debt Instrument [Line Items]
Revolving line of credit			$ 15,000

Long-Term Debt - Summary of L41

Long-Term Debt - Summary of Long-Term Debt Instruments and Balances Outstanding (Parenthetical) (Detail)	9 Months Ended		12 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Dec. 31, 2016	Sep. 01, 2017	May 30, 2014
9.75% Senior Notes Due 2021
Debt Instrument [Line Items]
Debt instrument, interest rate	9.75%	9.75%	9.75%		9.75%
Debt instrument, maturity date	Jun. 1, 2021	Jun. 1, 2021	Jun. 1, 2021
8.50% Senior Notes Due 2024
Debt Instrument [Line Items]
Debt instrument, interest rate	8.50%			8.50%
Debt instrument, maturity date	Sep. 1, 2024

Long-term Debt - Additional Inf

Long-term Debt - Additional Information (Detail) - USD ($)	Dec. 01, 2016	Oct. 20, 2016	Jan. 15, 2016	Sep. 30, 2017	Sep. 30, 2017	Sep. 30, 2016	Dec. 31, 2016	Sep. 01, 2017	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 securitization notes				$ 186,533,000	$ 186,533,000	$ 136,953,000	$ 165,419,000
Loss on early extinguishment of debt				$ 14,927,000	$ 14,927,000
Revolving Line of Credit
Debt Instrument [Line Items]
Revolving line of credit						15,000,000
8.50% Senior Unsecured Notes Due 2024
Debt Instrument [Line Items]
Debt instrument, face amount								$ 250,000,000
Debt instrument, maturity date					Sep. 1, 2024
Debt instrument, interest rate				8.50%	8.50%			8.50%
Debt instrument, payment terms					The 2024 Senior Notes bear interest at a rate of 8.50% annually on the principal amount payable semi-annually in arrears on March 1 and September 1 of each year, beginning on March 1, 2018.
Debt instrument, percentage of sale price								100.00%
Notes redemption, description					The 2024 Senior Notes are redeemable at the Company’s option, in whole or in part, (i) at any time prior to September 1, 2020 at 100% of the aggregate principal amount of 2024 Senior Notes redeemed plus the applicable “make whole” premium specified in the indenture that governs the Company’s 2024 Notes (the "2024 Senior Notes Indenture"), plus accrued and unpaid interest, if any, to the redemption date and (ii) at any time on or after September 1, 2020 at the premium, if any, specified in the 2024 Senior Notes Indenture that will decrease over time, plus accrued and unpaid interest, if any, to the redemption date.
Note redeem rate					100.00%
Unamortized debt issuance cost				$ 7,500,000	$ 7,500,000
Interest expense recognized					1,900,000
Debt issuance cost				7,600,000	7,600,000
Carrying amount of senior notes				242,500,000	$ 242,500,000
8.50% Senior Unsecured Notes Due 2024 | $250.0 million 8.50% Senior Unsecured Notes Redemption, Under Additional Option Available
Debt Instrument [Line Items]
Note redeem rate					108.50%
Percentage of notes principal redeemable					40.00%
2016-1 Securitization Facility
Debt Instrument [Line Items]
Debt instrument, revolving period			9 months
Debt instrument, maturity date			Oct. 15, 2020
Debt instrument, amended revolving period					2017-10
Debt instrument, amended latest period					2021-10
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
Extended Maturity period of revolving facility		2017-10
Weighted average interest rate		9.50%
Carrying amount of securitization notes				173,700,000	$ 173,700,000	134,500,000
Unamortized debt issuance cost				800,000	800,000	2,400,000
Interest expense recognized					11,400,000	9,500,000
Non-cash amortization of debt issuance costs					$ 1,100,000	2,600,000
Debt issuance cost, amortization period					4 years
2016-1 Securitization Facility | Agent's Base Rate
Debt Instrument [Line Items]
Debt instrument, interest rate			1.00%
2016-1 Securitization Facility | Prime Rate
Debt Instrument [Line Items]
Debt instrument, basis spread on variable rate			7.75%
2016-1 Securitization Facility | LIBOR
Debt Instrument [Line Items]
Debt instrument, effective percentage			8.75%
2016-2 Facility
Debt Instrument [Line Items]
Carrying amount of securitization notes				12,100,000	$ 12,100,000
Interest expense recognized					$ 1,400,000
Debt issuance cost, amortization period					36 months
Date at Issuer not permitted to prepay or redeem any outstanding securitization notes prior	Oct. 1, 2018
Debt issuance cost				200,000	$ 200,000
2016-2 Facility | Redpoint Capital Asset Funding, LLC | Minimum
Debt Instrument [Line Items]
Annual percentage rate for securitized consumer loan	90.00%
2016-2 Facility | LIBOR
Debt Instrument [Line Items]
Debt instrument, effective percentage	12.50%
2014 Revolving Credit Facility Due 2017 | Jefferies Group, LLC
Debt Instrument [Line Items]
Maximum borrowing capacity				35,000,000	$ 35,000,000
2014 Revolving Credit Facility Due 2017 | Jefferies Group, LLC | Unsecured Revolving Credit Facility
Debt Instrument [Line Items]
Debt issuance cost, amortization period					37 months
Debt issuance cost				1,600,000	$ 1,600,000
Credit agreement, maturity date					Jun. 30, 2017
Revolving line of credit						$ 0	$ 0
2017 Revolving Credit Facility Due 2020 | Green Bank, N.A.
Debt Instrument [Line Items]
Debt issuance cost, amortization period					34 months
Debt issuance cost				2,000,000	$ 2,000,000
Credit agreement, maturity date					May 1, 2020
Revolving line of credit				0	$ 0
Maximum borrowing capacity				40,000,000	40,000,000
2017 Revolving Credit Facility Due 2020 | Green Bank, N.A. | Letters of Credit
Debt Instrument [Line Items]
Maximum borrowing capacity				20,000,000	20,000,000
Borrowings outstanding under credit agreement				$ 8,000,000	$ 8,000,000
2017 Revolving Credit Facility Due 2020 | Green Bank, N.A. | Minimum
Debt Instrument [Line Items]
Commitment fee percentage					0.30%
2017 Revolving Credit Facility Due 2020 | Green Bank, N.A. | Maximum
Debt Instrument [Line Items]
Commitment fee percentage					0.50%
2017 Revolving Credit Facility Due 2020 | Prime Rate | Green Bank, N.A.
Debt Instrument [Line Items]
Debt instrument, basis spread on variable rate					1.00%
9.75% Senior Unsecured Notes Due 2021
Debt Instrument [Line Items]
Debt instrument, face amount									$ 500,000,000
Debt instrument, maturity date					Jun. 1, 2021	Jun. 1, 2021	Jun. 1, 2021
Debt instrument, interest rate				9.75%	9.75%	9.75%	9.75%		9.75%
Debt instrument, effective percentage									10.00%
Unamortized debt issuance cost				$ 5,300,000	$ 5,300,000	$ 9,800,000
Interest expense recognized					38,000,000	38,700,000
Non-cash amortization of debt issuance costs					$ 1,500,000	1,600,000
Debt issuance cost, amortization period					7 years
Carrying amount of senior notes				337,100,000	$ 337,100,000	485,600,000
Debt instrument, repurchase of principal amount				155,000,000	155,000,000
Aggregate cash consideration paid for repurchase of principal amount with accrued interest				166,300,000
Loss on early extinguishment of debt				14,900,000
Loss on early extinguishment of debt, net of tax				9,200,000
Debt instrument unamortized discount				$ 2,600,000	2,600,000	4,600,000
Non-cash amortization discount					$ 600,000	$ 600,000
Weighted average interest rates				10.58%	10.58%	10.75%
Initial Term Note | 2016-1 Securitization Facility
Debt Instrument [Line Items]
Debt instrument, face amount			$ 107,400,000
Unsecured consumer loans			$ 134,000,000
Revolving Note | 2016-2 Facility
Debt Instrument [Line Items]
Debt instrument, face amount	$ 20,000,000
Unsecured consumer loans	$ 25,000,000
Debt instrument, maturity date	Dec. 1, 2019
Expected increase in maximum principal balance	$ 40,000,000
Enova Standby And Letter Of Credit | Revolving Line of Credit
Debt Instrument [Line Items]
Maximum borrowing capacity						$ 20,000,000
Borrowings outstanding under credit agreement						$ 6,600,000	$ 6,600,000

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, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Numerator:
Net (loss) income	$ (3,368)	$ 7,837	$ 22,357	$ 25,888
Weighted average common shares outstanding:
Total weighted average basic shares	33,670	33,211	33,533	33,176
Shares applicable to stock-based compensation		347	586	184
Total weighted average diluted shares	33,670	33,558	34,119	33,360
Earnings Per Share:
Net (loss) income per share – basic	$ (0.10)	$ 0.24	$ 0.67	$ 0.78
Net (loss) income per share – diluted	$ (0.10)	$ 0.23	$ 0.66	$ 0.78

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options not included in computation of diluted net (loss) income per share	2,138,180	1,467,202	1,552,045	1,783,073
Restricted stock units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options not included in computation of diluted net (loss) income per share	1,592,937	343,663	242,677	520,688

Operating Segment Information -

Operating Segment Information - Additional Information (Detail) $ in Thousands	9 Months Ended
	Sep. 30, 2017USD ($)Segment	Dec. 31, 2016USD ($)	Sep. 30, 2016USD ($)
Segment Reporting [Abstract]
Number of reportable segment | Segment	1
Property and equipment, net | $	$ 46,557	$ 47,100	$ 47,486

Operating Segment Information46

Operating Segment Information - Summary of Domestic, International Operations and Corporate Services (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016	Dec. 31, 2016
Revenues [Abstract]
Revenue	$ 217,878	$ 195,943	$ 600,045	$ 543,131
Income (Loss) from operations [Abstract]
Income from operations	27,677	28,097	100,952	88,753
Depreciation and amortization [Abstract]
Depreciation and amortization	3,533	3,789	10,396	12,004
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	5,503	3,817	10,804	11,466
Property and equipment, net [Abstract]
Property and equipment, net	46,557	47,486	46,557	47,486	$ 47,100
Assets
Assets	1,139,778	975,079	1,139,778	975,079	$ 977,879
Domestic
Revenues [Abstract]
Revenue	181,584	165,330	504,326	449,100
Income (Loss) from operations [Abstract]
Income from operations	55,767	44,015	176,402	148,717
Depreciation and amortization [Abstract]
Depreciation and amortization	1,634	1,385	4,692	4,552
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	2,231	2,395	4,271	5,425
Property and equipment, net [Abstract]
Property and equipment, net	22,541	19,259	22,541	19,259
Assets
Assets	899,495	823,737	899,495	823,737
International
Revenues [Abstract]
Revenue	36,294	30,613	95,719	94,031
Income (Loss) from operations [Abstract]
Income from operations	(1,983)	5,659	3,939	16,136
Depreciation and amortization [Abstract]
Depreciation and amortization	396	409	1,136	1,813
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	1,281	1,043	3,401	2,489
Property and equipment, net [Abstract]
Property and equipment, net	7,106	5,094	7,106	5,094
Assets
Assets	126,583	98,842	126,583	98,842
Corporate Services
Income (Loss) from operations [Abstract]
Income from operations	(26,107)	(21,577)	(79,389)	(76,100)
Depreciation and amortization [Abstract]
Depreciation and amortization	1,503	1,995	4,568	5,639
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	1,991	379	3,132	3,552
Property and equipment, net [Abstract]
Property and equipment, net	16,910	23,133	16,910	23,133
Assets
Assets	$ 113,700	$ 52,500	$ 113,700	$ 52,500

Operating Segment Information47

Operating Segment Information - Summary of Company's Revenue by Geographical Region (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Revenues [Abstract]
Revenue	$ 217,878	$ 195,943	$ 600,045	$ 543,131
United States
Revenues [Abstract]
Revenue	181,584	165,330	504,326	449,100
United Kingdom
Revenues [Abstract]
Revenue	30,679	26,793	82,528	78,882
Other International Countries
Revenues [Abstract]
Revenue	$ 5,615	$ 3,820	$ 13,191	$ 15,149

Commitments and Contingencies -

Commitments and Contingencies - Additional information (Detail) $ in Millions	12 Months Ended
	Dec. 31, 2015USD ($)	Jun. 30, 2015ft²
Commitments And Contingencies [Line Items]
Leased area | ft²		86,000
Estimated sublease income	$ 1.7
Lease Termination Costs and Other Exit Costs
Commitments And Contingencies [Line Items]
Expense related to lease termination penalty	3.7
Lease Termination Costs
Commitments And Contingencies [Line Items]
Expense related to lease termination penalty	2.9
Other Exit Costs
Commitments And Contingencies [Line Items]
Expense related to lease termination penalty	$ 0.8

Commitments and Contingencies49

Commitments and Contingencies - Exit and Disposal Activity and Liability Balances (Detail) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2017	Dec. 31, 2016
Lease Termination Costs
Commitments And Contingencies [Line Items]
Beginning Balance	$ 637	$ 1,425
Payments	(554)	(1,132)
Adjustments	(83)	344
Ending Balance		637
Other Exit Costs
Commitments And Contingencies [Line Items]
Beginning Balance	135	204
Payments	(9)
Adjustments	(126)	(69)
Ending Balance		135
Lease Termination Costs and Other Exit Costs
Commitments And Contingencies [Line Items]
Beginning Balance	772	1,629
Payments	(563)	(1,132)
Adjustments	$ (209)	275
Ending Balance		$ 772

Derivative Instruments - Additi

Derivative Instruments - Additional Information (Details) - USD ($)	Sep. 30, 2017	Dec. 31, 2016	Sep. 30, 2016
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Outstanding derivative instruments	$ 0	$ 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 $ in Thousands	9 Months Ended
	Sep. 30, 2016USD ($)
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income	$ 3,020
Forward Currency Exchange Contracts
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income	$ 3,020	[1]
[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, 2017	Sep. 30, 2016	Dec. 31, 2016	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	$ 95	$ 91
Transition services agreement fee income	$ 24	27
Debt instrument, interest rate	4.00%
Transition services agreement period	3 years
Cash America
Related Party Transaction [Line Items]
Consumer loans reimbursement amount	$ 600	700
FirstCash
Related Party Transaction [Line Items]
Related party payable, net	$ 100	100	$ 100
RPAs | Small Business
Related Party Transaction [Line Items]
Paid RPAs, amount		$ 400

Variable Interest Entities - Su

Variable Interest Entities - Summary of Carrying Amounts of Consolidated VIE Assets and Liabilities (Detail) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016	Sep. 30, 2016	Dec. 31, 2015
Assets
Cash and cash equivalents	$ 110,054	$ 39,934	$ 45,681	$ 42,066
Restricted cash and cash equivalents	29,866	26,306	39,272
Loans and finance receivables, net	637,736	561,550	542,865
Other receivables and prepaid expenses	23,796	19,524	18,649
Other assets	10,842	11,051	8,439
Liabilities
Accounts payable and accrued expenses	78,897	71,671	85,433
Long-term debt	765,395	649,911	635,179
Variable Interest Entity, Primary Beneficiary
Assets
Cash and cash equivalents			105
Restricted cash and cash equivalents	22,161	19,468	18,119
Loans and finance receivables, net	274,363	216,766	176,016
Other receivables and prepaid expenses		3	3
Other assets	2,056	2,459
Total assets	298,580	238,696	194,243
Liabilities
Accounts payable and accrued expenses	1,793	1,350	991
Long-term debt	185,771	163,550	134,537
Total liabilities	$ 187,564	$ 164,900	$ 135,528

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Detail) - USD ($)	9 Months Ended		12 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Dec. 31, 2016	Sep. 01, 2017	May 30, 2014
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	$ 2,000,000	$ 1,700,000	$ 2,000,000
9.75% Senior Notes Due 2021
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	7 years
Debt instrument, interest rate	9.75%	9.75%	9.75%		9.75%
Debt instrument, maturity date	Jun. 1, 2021	Jun. 1, 2021	Jun. 1, 2021
8.50% Senior Notes Due 2024
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Debt instrument, interest rate	8.50%			8.50%
Debt instrument, maturity date	Sep. 1, 2024
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, 2017	Dec. 31, 2016	Sep. 30, 2016	Dec. 31, 2015	Jun. 23, 2015
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		$ (2,358)	$ (2,358)	$ (5,658)	$ (5,658)	$ (5,700)
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		(2,358)	(2,358)	(5,658)	$ (5,658)
Fair Value, Measurements, Recurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Non-qualified savings plan assets	[1]	1,443	1,590	1,528
Contingent consideration		(2,358)	(2,358)	(5,658)
Total		(915)	(768)	(4,130)
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]	1,443	1,590	1,528
Total		1,443	1,590	1,528
Fair Value, Measurements, Recurring | Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		(2,358)	(2,358)	(5,658)
Total		$ (2,358)	$ (2,358)	$ (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 Measurements - Fai56

Fair Value Measurements - Fair Value Measurement for Contingent Consideration (Detail) - USD ($)	3 Months Ended	9 Months Ended		12 Months Ended
	Sep. 30, 2017	Sep. 30, 2017	Sep. 30, 2016	Dec. 31, 2016
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration, Beginning balance		$ 2,358,000	$ 5,658,000	$ 5,658,000
Contingent consideration, Adjustments	$ 0	0	0	3,300,000
Contingent consideration, Ending balance	2,358,000	2,358,000	5,658,000	2,358,000
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration, Beginning balance		2,358,000	5,658,000	5,658,000
Contingent consideration, Adjustments		0	0
Contingent consideration, Ending balance	$ 2,358,000	$ 2,358,000	$ 5,658,000	$ 2,358,000

Fair Value Measurements - Finan

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Detail) - USD ($) $ in Thousands		Sep. 30, 2017	Jun. 30, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Dec. 31, 2015
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		$ 2,017	$ 1,941	$ 1,996	$ 1,727	$ 1,833	$ 1,756
Carrying Value
Financial assets:
Cash and cash equivalents		110,054		39,934	45,681
Short-term loans and line of credit accounts, net	[1]	176,437		162,824	147,992
Installment loans and RPAs, net	[1],[2]	461,299		398,726	394,873
Restricted cash	[3]	29,866		26,306	39,272
Investment in unconsolidated investee	[4],[5]	6,703		6,703	6,703
Total		784,359		634,493	634,521
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		2,017		1,996	1,727
Promissory note		3,000		3,000	3,000
Credit agreement borrowings					15,000
Securitization Notes		186,533		165,419	136,953
Total		783,957		666,037	652,107
Carrying Value | 9.75% Senior Notes Due 2021
Financial liabilities:
Senior notes		342,407		495,622	495,427
Carrying Value | 8.50% Senior Notes Due 2024
Financial liabilities:
Senior notes		250,000
Level 1 | Estimated Fair Value
Financial assets:
Cash and cash equivalents		110,054		39,934	45,681
Restricted cash	[3]	29,866		26,306	39,272
Total		139,920		66,240	84,953
Level 2 | Estimated Fair Value
Financial liabilities:
Securitization Notes		189,005		168,216	139,911
Total		804,801		664,156	595,786
Level 2 | Estimated Fair Value | 9.75% Senior Notes Due 2021
Financial liabilities:
Senior notes		363,796		495,940	455,875
Level 2 | Estimated Fair Value | 8.50% Senior Notes Due 2024
Financial liabilities:
Senior notes		252,000
Level 3 | Estimated Fair Value
Financial assets:
Short-term loans and line of credit accounts, net	[1]	176,437		162,824	147,992
Installment loans and RPAs, net	[1],[2]	496,377		430,895	448,111
Investment in unconsolidated investee	[4],[5]	6,703		6,703	6,703
Total		679,517		600,422	602,806
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		2,017		1,996	1,727
Promissory note		3,245		3,111	3,076
Credit agreement borrowings					15,000
Total		$ 5,262		$ 5,107	$ 19,803
[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 $274.4 million, $176.0 million and $216.8 million in net assets of consolidated VIEs as of September 30, 2017 and 2016 and December 31, 2016, respectively.
[3]	Restricted cash includes $22.2 million, $18.1 million and $19.5 million in assets of consolidated VIEs as of September 30, 2017 and 2016 and December 31, 2016, respectively.
[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 - Fin58

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Parenthetical) (Detail) - USD ($) $ in Millions	9 Months Ended		12 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Dec. 31, 2016	Sep. 01, 2017	May 30, 2014
Variable Interest Entity, Primary Beneficiary
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Installment loans and RPAs, net	$ 274.4	$ 176	$ 216.8
Restricted cash	$ 22.2	$ 18.1	$ 19.5
9.75% Senior Notes Due 2021
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Debt instrument, interest rate	9.75%	9.75%	9.75%		9.75%
Debt instrument, maturity date	Jun. 1, 2021	Jun. 1, 2021	Jun. 1, 2021
8.50% Senior Notes Due 2024
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Debt instrument, interest rate	8.50%			8.50%
Debt instrument, maturity date	Sep. 1, 2024

Condensed Consolidating Finan59

Condensed Consolidating Financial Statements - Additional Information (Detail)	Sep. 30, 2017
Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Percentage of ownership	100.00%

Condensed Consolidating Finan60

Condensed Consolidating Financial Statements - Condensed Consolidating Balance Sheets - (Detail) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016	Sep. 30, 2016	Dec. 31, 2015
Assets
Cash and cash equivalents	$ 110,054	$ 39,934	$ 45,681	$ 42,066
Restricted cash	29,866	26,306	39,272
Loans and finance receivables, net	637,736	561,550	542,865
Income taxes receivable	9,319
Other receivables and prepaid expenses	23,796	19,524	18,649
Property and equipment, net	46,557	47,100	47,486
Goodwill	267,015	267,010	267,012
Intangible assets, net	4,593	5,404	5,675
Other assets	10,842	11,051	8,439
Total assets	1,139,778	977,879	975,079
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	78,897	71,671	85,433
Income taxes currently payable		282	5,149
Deferred tax liabilities, net	20,681	14,316	16,233
Long-term debt	765,395	649,911	635,179
Total liabilities	864,973	736,180	741,994
Commitments and contingencies
Stockholders' equity	274,805	241,699	233,085	205,968
Total liabilities and stockholders' equity	1,139,778	977,879	975,079
Parent
Assets
Cash and cash equivalents	54,055
Income taxes receivable	105,140
Other receivables and prepaid expenses	245	127	141
Investment in subsidiaries	362,991	294,646	278,999
Intercompany receivable	343,514	363,942	413,472
Other assets	1,826	597	460
Total assets	867,771	659,312	693,072
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	13,795	4,310	16,386
Income taxes currently payable		(72,704)	(56,364)
Deferred tax liabilities, net	(453)	(354)	(677)
Long-term debt	579,624	486,361	500,642
Total liabilities	592,966	417,613	459,987
Commitments and contingencies
Stockholders' equity	274,805	241,699	233,085
Total liabilities and stockholders' equity	867,771	659,312	693,072
Guarantor Subsidiaries
Assets
Cash and cash equivalents	50,996	36,057	43,127	40,927
Restricted cash	7,705	6,838	21,152
Loans and finance receivables, net	351,627	335,160	358,142
Income taxes receivable	(95,852)
Other receivables and prepaid expenses	21,271	19,095	18,222
Property and equipment, net	45,925	46,507	47,050
Goodwill	267,015	267,010	267,012
Intangible assets, net	4,593	5,400	5,670
Investment in subsidiaries	45,924	25,131	22,358
Other assets	6,960	7,995	7,979
Total assets	706,164	749,193	790,712
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	62,348	65,714	67,931
Intercompany payables	252,154	295,763	357,650
Income taxes currently payable		73,006	61,521
Deferred tax liabilities, net	21,634	15,156	17,394
Total liabilities	336,136	449,639	504,496
Commitments and contingencies
Stockholders' equity	370,028	299,554	286,216
Total liabilities and stockholders' equity	706,164	749,193	790,712
Non-Guarantor Subsidiaries
Assets
Cash and cash equivalents	5,003	3,877	2,554	$ 1,139
Restricted cash	22,161	19,468	18,120
Loans and finance receivables, net	286,109	226,390	184,723
Income taxes receivable	31
Other receivables and prepaid expenses	2,280	302	286
Property and equipment, net	632	593	436
Intangible assets, net		4	5
Other assets	2,056	2,459
Total assets	318,272	253,093	206,124
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	2,754	1,647	1,116
Intercompany payables	91,360	68,179	55,826
Income taxes currently payable		(20)	(8)
Deferred tax liabilities, net	(500)	(486)	(484)
Long-term debt	185,771	163,550	134,537
Total liabilities	279,385	232,870	190,987
Commitments and contingencies
Stockholders' equity	38,887	20,223	15,137
Total liabilities and stockholders' equity	318,272	253,093	206,124
Eliminations
Assets
Investment in subsidiaries	(408,915)	(319,777)	(301,357)
Intercompany receivable	(343,514)	(363,942)	(413,472)
Total assets	(752,429)	(683,719)	(714,829)
Liabilities and Stockholders' Equity
Intercompany payables	(343,514)	(363,942)	(413,476)
Total liabilities	(343,514)	(363,942)	(413,476)
Commitments and contingencies
Stockholders' equity	(408,915)	(319,777)	(301,353)
Total liabilities and stockholders' equity	$ (752,429)	$ (683,719)	$ (714,829)

Condensed Consolidating Finan61

Condensed Consolidating Financial Statements - Condensed Consolidating Statements of Income and Comprehensive Income - (Detail) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Condensed Financial Statements Captions [Line Items]
Revenue		$ 217,878	$ 195,943	$ 600,045	$ 543,131
Cost of Revenue		107,341	95,391	269,087	230,421
Gross Profit		110,537	100,552	330,958	312,710
Expenses
Marketing		27,000	26,722	69,993	73,500
Operations and technology		27,163	20,637	72,512	61,706
General and administrative		25,164	21,307	77,105	76,747
Depreciation and amortization		3,533	3,789	10,396	12,004
Total Expenses		82,860	72,455	230,006	223,957
Income from Operations		27,677	28,097	100,952	88,753
Interest (expense) income, net		(18,292)	(16,117)	(52,526)	(48,058)
Foreign currency transaction gain		65	145	354	2,184
Loss on early extinguishment of debt		(14,927)		(14,927)
(Loss) Income before Income Taxes		(5,477)	12,125	33,853	42,879
(Benefit from) provision for income taxes		(2,109)	4,288	11,496	16,991
(Loss) Income before Equity in Net Earnings of Subsidiaries		(3,368)	7,837	22,357	25,888
Net (Loss) Income		(3,368)	7,837	22,357	25,888
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)	[1]	2,052	(1,245)	4,561	(5,070)
Total other comprehensive gain (loss), net of tax		2,052	(1,245)	4,561	(5,070)
Comprehensive (Loss) Income		(1,316)	6,592	26,918	20,818
Parent
Expenses
General and administrative		131	37	265	185
Total Expenses		131	37	265	185
Income from Operations		(131)	(37)	(265)	(185)
Interest (expense) income, net		(14,238)	(13,342)	(40,780)	(39,793)
Foreign currency transaction gain		65	145	349	2,184
Loss on early extinguishment of debt		(14,927)		(14,927)
(Loss) Income before Income Taxes		(29,231)	(13,234)	(55,623)	(37,794)
(Benefit from) provision for income taxes		(9,760)	(4,832)	(18,889)	(14,977)
(Loss) Income before Equity in Net Earnings of Subsidiaries		(19,471)	(8,402)	(36,734)	(22,817)
Net earnings of subsidiaries		16,103	16,239	59,091	48,705
Net (Loss) Income		(3,368)	7,837	22,357	25,888
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)		2,052	(1,245)	4,561	(5,070)
Total other comprehensive gain (loss), net of tax		2,052	(1,245)	4,561	(5,070)
Comprehensive (Loss) Income		(1,316)	6,592	26,918	20,818
Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Revenue		178,908	170,288	497,081	478,434
Cost of Revenue		79,349	78,283	197,281	182,729
Gross Profit		99,559	92,005	299,800	295,705
Expenses
Marketing		26,423	26,348	68,686	72,488
Operations and technology		22,911	19,505	65,090	58,642
General and administrative		25,746	18,539	76,060	72,867
Depreciation and amortization		3,486	3,761	10,261	11,936
Total Expenses		78,566	68,153	220,097	215,933
Income from Operations		20,993	23,852	79,703	79,772
Interest (expense) income, net		(33)	(123)	(97)	613
Foreign currency transaction gain				5
(Loss) Income before Income Taxes		20,960	23,729	79,611	80,385
(Benefit from) provision for income taxes		6,746	8,451	27,034	31,853
(Loss) Income before Equity in Net Earnings of Subsidiaries		14,214	15,278	52,577	48,532
Net earnings of subsidiaries		1,889	961	6,514	173
Net (Loss) Income		16,103	16,239	59,091	48,705
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)		1,304	(1,084)	4,197	(6,342)
Total other comprehensive gain (loss), net of tax		1,304	(1,084)	4,197	(6,342)
Comprehensive (Loss) Income		17,407	15,155	63,288	42,363
Non-Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Revenue		40,374	24,157	106,902	64,697
Cost of Revenue		27,992	17,108	71,806	47,692
Gross Profit		12,382	7,049	35,096	17,005
Expenses
Marketing		577	374	1,307	1,012
Operations and technology		4,252	1,132	7,422	3,064
General and administrative		691	1,233	4,718	3,695
Depreciation and amortization		47	28	135	68
Total Expenses		5,567	2,767	13,582	7,839
Income from Operations		6,815	4,282	21,514	9,166
Interest (expense) income, net		(4,021)	(2,652)	(11,649)	(8,878)
(Loss) Income before Income Taxes		2,794	1,630	9,865	288
(Benefit from) provision for income taxes		905	669	3,351	115
(Loss) Income before Equity in Net Earnings of Subsidiaries		1,889	961	6,514	173
Net (Loss) Income		1,889	961	6,514	173
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)		749	(160)	365	1,270
Total other comprehensive gain (loss), net of tax		749	(160)	365	1,270
Comprehensive (Loss) Income		2,638	801	6,879	1,443
Eliminations
Condensed Financial Statements Captions [Line Items]
Revenue		(1,404)	1,498	(3,938)
Gross Profit		(1,404)	1,498	(3,938)
Expenses
General and administrative		(1,404)	1,498	(3,938)
Total Expenses		(1,404)	1,498	(3,938)
Net earnings of subsidiaries		(17,992)	(17,200)	(65,605)	(48,878)
Net (Loss) Income		(17,992)	(17,200)	(65,605)	(48,878)
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)		(2,053)	1,244	(4,562)	5,072
Total other comprehensive gain (loss), net of tax		(2,053)	1,244	(4,562)	5,072
Comprehensive (Loss) Income		$ (20,045)	$ (15,956)	$ (70,167)	$ (43,806)
[1]	Net of tax (provision) benefit of $(1,161) and $707 for the three months ended September 30, 2017 and 2016, respectively, and $(2,578) and $2,860 for the nine months ended September 30, 2017 and 2016, respectively.

Condensed Consolidating Finan62

Condensed Consolidating Financial Statements - Condensed Consolidating Statements of Cash Flows - (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities			$ 311,297	$ 300,707
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired			(998,333)	(987,255)
Loans and finance receivables repaid			672,474	651,865
Change in restricted cash			(3,030)	(32,776)
Purchases of property and equipment	$ (5,503)	$ (3,817)	(10,804)	(11,466)
Other investing activities			1,798	72
Net cash used in investing activities			(337,895)	(379,560)
Cash Flows from Financing Activities
Debt issuance costs paid			(9,564)	(3,516)
Debt prepayment penalty			(11,335)
Treasury shares purchased			(2,115)	(115)
Issuance of senior notes			250,000
Repayments of senior notes			(155,000)
Borrowings under revolving line of credit			30,000	45,000
Repayments under revolving line of credit			(30,000)	(88,400)
Borrowings under securitization facility			137,200	218,961
Repayments under securitization facility			(116,085)	(82,008)
Net cash provided by financing activities			93,101	89,922
Effect of exchange rates on cash			3,617	(7,454)
Net increase in cash and cash equivalents			70,120	3,615
Cash and cash equivalents at beginning of year			39,934	42,066
Cash and cash equivalents at end of period	110,054	45,681	110,054	45,681
Parent
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities			(17,931)	87,477
Cash Flows from Investing Activities
Capital contributions to subsidiaries				(43,962)
Net cash used in investing activities				(43,962)
Cash Flows from Financing Activities
Debt issuance costs paid			(9,564)
Debt prepayment penalty			(11,335)
Treasury shares purchased			(2,115)	(115)
Issuance of senior notes			250,000
Repayments of senior notes			(155,000)
Borrowings under revolving line of credit			30,000	45,000
Repayments under revolving line of credit			(30,000)	(88,400)
Net cash provided by financing activities			71,986	(43,515)
Net increase in cash and cash equivalents			54,055
Cash and cash equivalents at end of period	54,055		54,055
Guarantor Subsidiaries
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities			346,948	216,799
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired			(974,211)	(976,614)
Securitized loans transferred			201,518	278,076
Loans and finance receivables repaid			467,011	525,636
Change in restricted cash			(337)	(14,656)
Purchases of property and equipment			(10,651)	(11,262)
Capital contributions to subsidiaries			(11,785)	(8,005)
Other investing activities			1,798	72
Net cash used in investing activities			(326,657)	(206,753)
Cash Flows from Financing Activities
(Payments for) proceeds from member's equity			(9,008)	(176)
Net cash provided by financing activities			(9,008)	(176)
Effect of exchange rates on cash			3,656	(7,670)
Net increase in cash and cash equivalents			14,939	2,200
Cash and cash equivalents at beginning of year			36,057	40,927
Cash and cash equivalents at end of period	50,996	43,127	50,996	43,127
Non-Guarantor Subsidiaries
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities			(8,712)	40,569
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired			(24,122)	(10,641)
Securitized loans transferred			(201,518)	(278,076)
Loans and finance receivables repaid			205,463	126,229
Change in restricted cash			(2,693)	(18,120)
Purchases of property and equipment			(153)	(204)
Net cash used in investing activities			(23,023)	(180,812)
Cash Flows from Financing Activities
(Payments for) proceeds from member's equity			11,785	8,005
Debt issuance costs paid				(3,516)
Borrowings under securitization facility			137,200	218,961
Repayments under securitization facility			(116,085)	(82,008)
Net cash provided by financing activities			32,900	141,442
Effect of exchange rates on cash			(39)	216
Net increase in cash and cash equivalents			1,126	1,415
Cash and cash equivalents at beginning of year			3,877	1,139
Cash and cash equivalents at end of period	$ 5,003	$ 2,554	5,003	2,554
Eliminations
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities			(9,008)	(44,138)
Cash Flows from Investing Activities
Capital contributions to subsidiaries			11,785	51,967
Net cash used in investing activities			11,785	51,967
Cash Flows from Financing Activities
(Payments for) proceeds from member's equity			(2,777)	(7,829)
Net cash provided by financing activities			$ (2,777)	$ (7,829)

Subsequent Events - Additional

Subsequent Events - Additional Information (Detail) - USD ($)	Oct. 20, 2017	Jan. 15, 2016
Subsequent Event [Line Items]
Aggregate availability of variable funding notes		$ 20,000,000
Maximum principal amount of securitization notes outstanding		$ 175,000,000
Subsequent Event | 2017 Securitization Notes
Subsequent Event [Line Items]
Outstanding principal amount	$ 226,400,000
Maximum principal amount of securitization notes outstanding	$ 275,000,000
Debt instrument, basis spread on variable rate	7.50%
Maximum one-time prepayment amount	$ 100,000,000
Subsequent Event | 2017 Securitization Notes | Initial Term Note
Subsequent Event [Line Items]
Debt instrument, face amount	181,100,000
Subsequent Event | 2017 Securitization Notes | Minimum [Member]
Subsequent Event [Line Items]
Aggregate availability of variable funding notes	75,000,000
Subsequent Event | 2017 Securitization Notes | Maximum
Subsequent Event [Line Items]
Aggregate availability of variable funding notes	$ 90,000,000