Enova International (ENVA) 10-Q 1 Aug 18 2018 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2018	Jul. 30, 2018
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	Jun. 30, 2018
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	Q2
Amendment Flag	false
Entity Common Stock, Shares Outstanding		34,153,648

CONSOLIDATED BALANCE SHEETS (Un

CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017	Jun. 30, 2017
Assets
Cash and cash equivalents	$ 47,414	$ 68,684	$ 46,209
Restricted cash	28,863	29,460	26,636
Loans and finance receivables, net	750,131	704,705	563,996
Income taxes receivable	3,006	4,092	13,410
Other receivables and prepaid expenses	25,373	23,817	22,006
Property and equipment, net	47,752	48,525	44,329
Goodwill	267,013	267,015	267,012
Intangible assets, net	3,790	4,325	4,865
Other assets	9,862	8,837	13,406
Total assets	1,183,204	1,159,460	1,001,869
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	72,406	77,123	62,799
Deferred tax liabilities, net	14,322	12,108	25,753
Long-term debt	762,831	788,542	638,749
Total liabilities	849,559	877,773	727,301
Commitments and contingencies (Note 10)
Stockholders' equity:
Common stock, $0.00001 par value, 250,000,000 shares authorized, 34,633,819, 33,752,662 and 33,932,673 shares issued and 34,145,146, 33,635,215 and 33,504,555 outstanding as of June 30, 2018 and 2017 and December 31, 2017, respectively	0	0	0
Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding
Additional paid in capital	39,335	29,781	23,753
Retained earnings	312,440	264,695	261,180
Accumulated other comprehensive loss	(10,905)	(7,086)	(9,069)
Treasury stock, at cost (488,673, 117,447 and 428,118 shares as of June 30, 2018 and 2017 and December 31, 2017, respectively)	(7,225)	(5,703)	(1,296)
Total stockholders' equity	333,645	281,687	274,568
Total liabilities and stockholders' equity	$ 1,183,204	$ 1,159,460	$ 1,001,869

CONSOLIDATED BALANCE SHEETS (U3

CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017	Jun. 30, 2017
Restricted cash	$ 28,863	$ 29,460	$ 26,636
Loans and finance receivables, gross	871,915	827,749	647,835
Allowance for loan losses	121,784	123,044	83,839
Long-term debt	$ 179,059	$ 211,406	$ 151,987
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	34,633,819	33,932,673	33,752,662
Common stock, shares outstanding	34,145,146	33,504,555	33,635,215
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	488,673	428,118	117,447
Variable Interest Entity, Primary Beneficiary
Restricted cash	$ 21,744	$ 21,696	$ 19,119
Loans and finance receivables, gross	257,972	282,724	240,444
Allowance for loan losses	21,019	22,728	17,072
Long-term debt	179,059	211,406	151,987
Unamortized debt issuance cost	$ 2,131	$ 3,271	$ 1,054

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Income Statement [Abstract]
Revenue	$ 253,301	$ 189,904	$ 507,599	$ 382,167
Cost of Revenue	121,494	79,862	230,047	161,746
Gross Profit	131,807	110,042	277,552	220,421
Expenses
Marketing	29,386	23,410	57,122	42,993
Operations and technology	27,195	21,818	52,733	45,349
General and administrative	28,295	26,245	55,216	51,941
Depreciation and amortization	3,837	3,366	7,675	6,863
Total Expenses	88,713	74,839	172,746	147,146
Income from Operations	43,094	35,203	104,806	73,275
Interest expense, net	(19,355)	(17,012)	(39,028)	(34,234)
Foreign currency transaction (loss) gain	(204)	62	(2,292)	289
Loss on early extinguishment of debt			(4,710)
Income before Income Taxes	23,535	18,253	58,776	39,330
Provision for income taxes	5,310	6,380	12,653	13,605
Net Income	$ 18,225	$ 11,873	$ 46,123	$ 25,725
Net income per common share:
Basic	$ 0.54	$ 0.35	$ 1.36	$ 0.77
Diluted	$ 0.52	$ 0.35	$ 1.32	$ 0.75
Weighted average common shares outstanding:
Basic	33,984	33,553	33,821	33,463
Diluted	35,371	34,125	34,966	34,081

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Statement Of Income And Comprehensive Income [Abstract]
Net Income		$ 18,225	$ 11,873	$ 46,123	$ 25,725
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain	[1]	(6,583)	1,371	(2,197)	2,509
Reclassification of certain deferred tax effects	[2]			(1,622)
Total other comprehensive (loss) gain, net of tax		(6,583)	1,371	(3,819)	2,509
Comprehensive Income		$ 11,642	$ 13,244	$ 42,304	$ 28,234
[1]	Net of tax benefit (provision) of $1,911 and $(775) for the three months ended June 30, 2018 and 2017, respectively and $310 and $(1,418) for the six months ended June 30, 2018 and 2017, respectively
[2]	Amount reclassified from accumulated other comprehensive loss represents stranded tax effects resulting from the newly enacted federal corporate income tax rate under the Tax Cuts and Jobs Act. The amount of the reclassification is the difference between the historical corporate income tax rate and the newly enacted 21 percent corporate income tax rate. These amounts were recorded to retained earnings on the consolidated balance sheets. See Note 1 for additional information.

CONSOLIDATED STATEMENTS OF COM6

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Statement Of Income And Comprehensive Income [Abstract]
Tax benefit (provision) of foreign currency translation loss (gain)	$ 1,911	$ (775)	$ 310	$ (1,418)

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, 2016	$ 241,699			$ 18,446	$ 235,455	$ (11,578)	$ (624)
Balance, in shares at Dec. 31, 2016			33,365,000				(71,000)
Stock-based compensation expense	5,307			5,307
Shares issued under stock-based plans, in shares			388,000
Net income	25,725				25,725
Foreign currency translation gain (loss), net of tax	2,509	[1]				2,509
Purchases of treasury shares, at cost	(672)						$ (672)
Treasury Stock Shares Acquired							(46,000)
Balance at Jun. 30, 2017	$ 274,568			23,753	261,180	(9,069)	$ (1,296)
Balance, in shares at Jun. 30, 2017	33,752,662		33,752,662				(117,447)
Balance at Dec. 31, 2017	$ 281,687			29,781	264,695	(7,086)	$ (5,703)
Balance, in shares at Dec. 31, 2017	33,932,673		33,932,673				(428,118)
Stock-based compensation expense	$ 5,267			5,267
Shares issued under stock-based plans	4,287			4,287
Shares issued under stock-based plans, in shares			701,000
Net income	46,123				46,123
Foreign currency translation gain (loss), net of tax	(2,197)	[1]				(2,197)
Purchases of treasury shares, at cost	(1,522)						$ (1,522)
Treasury Stock Shares Acquired							(61,000)
Reclassification of certain deferred tax effects	1,622	[2]			1,622	(1,622)
Balance at Jun. 30, 2018	$ 333,645			$ 39,335	$ 312,440	$ (10,905)	$ (7,225)
Balance, in shares at Jun. 30, 2018	34,633,819		34,633,819				(488,673)
[1]	Net of tax benefit (provision) of $1,911 and $(775) for the three months ended June 30, 2018 and 2017, respectively and $310 and $(1,418) for the six months ended June 30, 2018 and 2017, respectively
[2]	Amount reclassified from accumulated other comprehensive loss represents stranded tax effects resulting from the newly enacted federal corporate income tax rate under the Tax Cuts and Jobs Act. The amount of the reclassification is the difference between the historical corporate income tax rate and the newly enacted 21 percent corporate income tax rate. These amounts were recorded to retained earnings on the consolidated balance sheets. See Note 1 for additional information.

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017
Cash Flows from Operating Activities
Net Income	$ 46,123	$ 25,725
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	7,675	6,863
Amortization of deferred loan costs and debt discount	3,038	3,134
Cost of revenue	230,047	161,746
Stock-based compensation expense	5,267	5,307
Loss on early extinguishment of debt	4,710
Deferred income taxes, net	2,458	10,011
Other	55
Changes in operating assets and liabilities:
Finance and service charges on loans and finance receivables	(2,911)	3,463
Other receivables and prepaid expenses	(1,681)	(4,095)
Accounts payable and accrued expenses	(151)	(12,404)
Current income taxes	1,086	(13,692)
Net cash provided by operating activities	295,716	186,058
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired	(786,788)	(607,432)
Loans and finance receivables repaid	510,238	442,701
Purchases of property and equipment	(7,065)	(5,301)
Other investing activities	42	1,482
Net cash used in investing activities	(283,573)	(168,550)
Cash Flows from Financing Activities
Borrowings under revolving line of credit	77,000
Repayments under revolving line of credit	(24,001)
Borrowings under securitization facility	80,300	65,600
Repayments under securitization facility	(112,647)	(79,031)
Repayments of senior notes	(50,000)
Debt issuance costs paid	(360)	(1,797)
Debt prepayment penalty paid	(3,656)
Payment of promissory note	(3,000)
Proceeds from exercise of stock options	4,287
Treasury shares purchased	(1,522)	(672)
Net cash used in financing activities	(33,599)	(15,900)
Effect of exchange rates on cash, cash equivalents and restricted cash	(411)	4,997
Net (decrease) increase in cash, cash equivalents and restricted cash	(21,867)	6,605
Cash, cash equivalents and restricted cash at beginning of year	98,144	66,240
Cash, cash equivalents and restricted cash at end of period	76,277	72,845
Supplemental Disclosures
Loans and finance receivables renewed	$ 184,383	$ 148,322

Significant Accounting Policies

Significant Accounting Policies	6 Months Ended
	Jun. 30, 2018
Accounting Policies [Abstract]
Significant Accounting Policies	1. Significant Accounting Policies Basis of Presentation The consolidated financial statements of the Company reflect the historical results of operations and cash flows of the Company during each respective period. The consolidated financial statements include goodwill and intangible assets arising from businesses previously acquired. The financial information included herein may not be indicative of the consolidated financial position, operating results, changes in stockholders’ equity and cash flows of the Company in the future. Intercompany transactions are eliminated. Certain amounts in the consolidated financial statements for prior years have been reclassified to conform to the current consolidated financial statement presentation. 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 consolidated financial statements presented as of June 30, 2018 and 2017 and for the three and six-month periods ended June 30, 2018 and 2017 are unaudited but, in management’s opinion, include all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for such interim periods. Operating results for the three and six-month periods are not necessarily indicative of the results that may be expected for the full fiscal year. These consolidated financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2017 and 2016 and for the years ended December 31, 2017, 2016 and 2015 and related notes, which are included on Form 10-K filed with the SEC on February 26, 2018. Restricted Cash The Company includes funds to be used for future debt payments relating to its securitization transactions and escrow deposits in restricted cash. Cash, Cash Equivalents and Restricted Cash The following table provides a reconciliation of cash, cash equivalents and restricted cash to amounts reported within the consolidated balance sheet (in thousands): June 30, 2018 2017 Cash and cash equivalents $ 47,414 $ 46,209 Restricted cash 28,863 26,636 Total cash, cash equivalents and restricted cash $ 76,277 $ 72,845 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, origination 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 and origination fees are 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, 2018 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. Reclassification of Accumulated Other Comprehensive Income to Net Income In May 2009 and October 2009, the Company began providing services in Australia and Canada under the brand name DollarsDirect. Due to the small size of the Australian and Canadian markets and our limited operations there, we decided to exit those markets in 2016 and reallocate our resources to our other existing businesses. As a result, we stopped originating loans in those countries and have wound down our loan portfolios. During the quarter ended March 31, 2018, the Company continued the liquidation process of the legal entities related to Australia and Canada and recorded a $2.3 million loss to “Foreign currency transaction (loss) gain” in the consolidated statements of income to recognize the cumulative translation adjustment balance that had been previously recorded to “Accumulated other comprehensive loss” on the consolidated balance sheets. Adopted In February 2018, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2018-02, Income Statement - Reporting Comprehensive Income, (Topic 220): Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income 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 2017-01, 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 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. The Company adopted ASU 2016-01 as of January 1, 2018. The adoption of ASU 2016-01 did not have a material effect on the Company’s consolidated financial statements. In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606) Accounting Standards to be Adopted in Future Periods In January 2017, the FASB issued ASU 2017-04, Intangibles – Goodwill and Other (Topic 350) – Simplifying the Test for Goodwill Impairment 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)

Acquisitions

Acquisitions	6 Months Ended
	Jun. 30, 2018
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 promissory note and all accrued but unpaid interest was paid on June 22, 2018. 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 was 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. Based on future expected earnings, the Company did not expect to pay any additional contingent consideration and recorded an adjustment to write-off the remaining liability in 2017. As of This purchase was not material to the Company’s consolidated financial statements. The operating results of the purchased assets, which were not material, have been included in the Company’s consolidated financial statements from the date of acquisition.

Loans and Finance Receivables,

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables	6 Months Ended
	Jun. 30, 2018
Receivables [Abstract]
Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables	3. Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables Revenue generated from the Company’s loans and finance receivables for the three and six months ended June 30, 2018 and 2017 was as follows (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2018 2017 2018 2017 Short-term loans $ 50,312 $ 46,776 $ 103,687 $ 94,199 Line of credit accounts 79,658 58,824 157,967 118,283 Installment loans and RPAs 123,049 84,057 245,157 169,140 Total loans and finance receivables revenue 253,019 189,657 506,811 381,622 Other 282 247 788 545 Total revenue $ 253,301 $ 189,904 $ 507,599 $ 382,167 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 June 30, 2018 and 2017 and December 31, 2017 were as follows (dollars in thousands): As of June 30, 2018 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 40,443 $ 172,755 $ 575,750 $ 788,948 Delinquent receivables: Delinquent payment amounts (1) — 6,917 2,108 9,025 Receivables on non-accrual status 26,812 1,462 45,668 73,942 Total delinquent receivables 26,812 8,379 47,776 82,967 Total loans and finance receivables, gross 67,255 181,134 623,526 871,915 Less: Allowance for losses (18,861 ) (31,050 ) (71,873 ) (121,784 ) Loans and finance receivables, net $ 48,394 $ 150,084 $ 551,653 $ 750,131 As of June 30, 2017 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 39,213 $ 125,953 $ 424,703 $ 589,869 Delinquent receivables: Delinquent payment amounts (1) — 2,983 2,470 5,453 Receivables on non-accrual status 22,352 5,218 24,943 52,513 Total delinquent receivables 22,352 8,201 27,413 57,966 Total loans and finance receivables, gross 61,565 134,154 452,116 647,835 Less: Allowance for losses (15,688 ) (22,847 ) (45,304 ) (83,839 ) Loans and finance receivables, net $ 45,877 $ 111,307 $ 406,812 $ 563,996 As of December 31, 2017 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 45,552 $ 161,070 $ 537,634 $ 744,256 Delinquent receivables: Delinquent payment amounts (1) — 7,696 3,635 11,331 Receivables on non-accrual status 28,120 1,302 42,740 72,162 Total delinquent receivables 28,120 8,998 46,375 83,493 Total loans and finance receivables, gross 73,672 170,068 584,009 827,749 Less: Allowance for losses (19,917 ) (31,148 ) (71,979 ) (123,044 ) Loans and finance receivables, net $ 53,755 $ 138,920 $ 512,030 $ 704,705 (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 six months ended June 30, 2018 and 2017 were as follows (dollars in thousands): Three Months Ended June 30, 2018 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 $ 19,136 $ 27,120 $ 68,027 $ 114,283 Cost of revenue 19,764 31,211 69,837 120,812 Charge-offs (25,615 ) (30,554 ) (79,744 ) (135,913 ) Recoveries 5,989 3,273 14,866 24,128 Effect of foreign currency translation (413 ) — (1,113 ) (1,526 ) Balance at end of period $ 18,861 $ 31,050 $ 71,873 $ 121,784 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,261 $ — $ 149 $ 1,410 Increase in liability 622 — 60 682 Balance at end of period $ 1,883 $ — $ 209 $ 2,092 Three Months Ended June 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 $ 15,161 $ 21,765 $ 46,328 $ 83,254 Cost of revenue 15,867 19,868 43,373 79,108 Charge-offs (21,062 ) (22,080 ) (54,452 ) (97,594 ) Recoveries 5,523 3,294 10,009 18,826 Effect of foreign currency translation 199 — 46 245 Balance at end of period $ 15,688 $ 22,847 $ 45,304 $ 83,839 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,044 $ — $ 143 $ 1,187 Increase in liability 717 — 37 754 Balance at end of period $ 1,761 $ — $ 180 $ 1,941 Six Months Ended June 30, 2018 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 $ 19,917 $ 31,148 $ 71,979 $ 123,044 Cost of revenue 40,931 56,594 132,688 230,213 Charge-offs (54,100 ) (63,361 ) (160,950 ) (278,411 ) Recoveries 12,261 6,669 28,991 47,921 Effect of foreign currency translation (148 ) — (835 ) (983 ) Balance at end of period $ 18,861 $ 31,050 $ 71,873 $ 121,784 Liability for third-party lender-owned loans: Balance at beginning of period $ 2,105 $ — $ 153 $ 2,258 (Decrease) increase in liability (222 ) — 56 (166 ) Balance at end of period $ 1,883 $ — $ 209 $ 2,092 Six Months Ended June 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 32,141 39,699 89,961 161,801 Charge-offs (45,441 ) (50,544 ) (119,774 ) (215,759 ) Recoveries 10,927 7,098 20,152 38,177 Effect of foreign currency translation 291 — 384 675 Balance at end of period $ 15,688 $ 22,847 $ 45,304 $ 83,839 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,716 $ — $ 280 $ 1,996 Increase (decrease) in liability 45 — (100 ) (55 ) Balance at end of period $ 1,761 $ — $ 180 $ 1,941 Guarantees of Consumer Loans In connection with its CSO programs, the Company guarantees consumer loan payment obligations to unrelated third-party lenders for short-term and installment loans and is required to purchase any defaulted loans it has guaranteed. The guarantee represents an obligation to purchase specific loans that go into default. As of June 30, 2018 and 2017 and December 31, 2017, the amount of consumer loans guaranteed by the Company was $28.7 million, $28.0 million and $34.1 million, respectively, representing amounts due under consumer loans originated by third-party lenders under the CSO programs. The estimated fair value of the liability for estimated losses on consumer loans guaranteed by the Company of $2.1 million, $1.9 million and $2.3 million, as of June 30, 2018 and 2017 and December 31, 2017, 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	6 Months Ended
	Jun. 30, 2018
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 June 30, 2018 and 2017 and December 31, 2017, 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 June 30, 2018, the Company determined that an impairment loss was not probable at that date.

Long-term Debt

Long-term Debt	6 Months Ended
	Jun. 30, 2018
Debt Disclosure [Abstract]
Long-term Debt	5. Long-term debt The Company’s long-term debt instruments and balances outstanding as of June 30, 2018 and 2017 and December 31, 2017 were as follows (dollars in thousands): June 30, December 31, 2018 2017 2017 Securitization notes $ 179,059 $ 151,987 $ 211,406 Revolving line of credit 52,999 — — 9.75% senior notes due 2021 293,178 496,029 342,558 8.50% senior notes due 2024 250,000 — 250,000 Subtotal 775,236 648,016 803,964 Less: Long-term debt issuance costs (12,405 ) (9,267 ) (15,422 ) Total long-term debt $ 762,831 $ 638,749 $ 788,542 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. 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 June 30, 2018 and December 31, 2017, the carrying amount of the 2024 Senior Notes was $243.3 million and $242.8 million, respectively, which includes unamortized issuance costs of $6.7 million and $7.2 million, respectively. The issuance costs are being amortized to interest expense over a period of seven years, through the maturity date of September 1, 2024. The total interest expense recognized was $11.2 million of which $0.5 million represented the non-cash amortization of the issuance costs 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 by several of the Company’s subsidiaries On October 20, 2017 (the “Amendment Closing Date”), 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 and that meet specified eligibility criteria. The eligible Receivables that were owned by the Issuer remained in the Amended Facility and the ineligible Receivables were removed. Under the Amended Facility, additional eligible 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 Amendment 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 were or 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, 2022 (the “2017 Final Maturity Date”). The 2017 Securitization Notes are issued pursuant to an amended and restated indenture, dated as of the Amendment 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. From time to time, the Company repurchases Receivables at its discretion or under the terms of the Amended Facility. On October 25, 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 such notes for notes with an alternative structure with terms not materially different to the Issuer than the exchanged Term Notes or Initial Term Notes. As of June 30, 2018 and 2017 December 31, 2017 six months ended June 30, 2018 and 2017 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 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 June 30, 2018 and 2017 and December 31, 2017, the carrying amount of the 2016‑2 Facility was $15.1 million, $12.1 million and $15.1 million, respectively. 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 June 30, 2018 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 $1.1 million and $0.9 million for the six months ended June 30, 2018 and 2017, respectively. Revolving Credit Facility On June 30, 2017, the Company and certain of its operating subsidiaries entered into a 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”). On April 13, 2018, the 2017 Credit Agreement was amended to include Pacific Western Bank, as Lender in the syndicate of lenders from the 2017 Credit Agreement. The 2017 Credit Agreement is secured by domestic receivables. The borrowing limit in the 2017 Credit Agreement, as amended, is $75 million (an increase from $40 million) and its maturity date is May 1, 2020. The Company had outstanding borrowings of $53.0 million as of June 30, 2018 and no outstanding borrowings under the 2017 Credit Agreement, as amended, as of June 30, 2017 and December 31, 2017. The 2017 Credit Agreement provides for a revolving credit line with interest on borrowings under the facility at prime rate plus 1.00%. As of June 30, 2018 the interest rate on the outstanding balance was 6.00%. 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 $7.6 million and $6.0 million as of June 30, 2018 and 2017 and $8.0 million as of December 31, 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 and amendment of the 2017 Credit Agreement the Company incurred debt issuance costs of approximately $2.5 million, which primarily consisted of underwriting fees and legal expenses. The unamortized balance of these costs as of June 30, 2018 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 six months ended June 30, 2018, the Company repurchased $50.0 million principal amount of the 2021 Senior Notes for aggregate cash consideration of $53.7 million plus accrued interest. In connection with these purchases, the Company recorded a loss on extinguishment of debt of approximately $4.7 million ($3.7 million net of tax), which is included in “Loss on early extinguishment of debt” in the consolidated statements of income. As of June 30, 2018 and 2017 and December 31, 2017, the carrying amount of the 2021 Senior Notes was $289.6 million, $487.8 million and $337.6 million, respectively, which included an unamortized discount of $1.8 million, $4.0 million and $2.4 million, respectively, and unamortized issuance costs of $3.6 million, $8.2 million and $4.9 million, respectively. The discount and issuance costs are being amortized to interest expense over a period of seven years, through the maturity date of June 1, 2021. The total interest expense recognized for the six months ended June 30, 2018 and 2017 was $15.6 million and $25.8 million, respectively, of which $0.3 million and $0.4 million, respectively represented the non-cash amortization of the discount and $0.6 million and $1.0 million, respectively, represented the non-cash amortization of the issuance costs. Weighted-average interest rates on long-term debt were 10.06% and 10.72% during the six months ended June 30, 2018 and 2017, respectively. As of June 30, 2018 and 2017 and December 31, 2017, the Company was in compliance with all covenants and other requirements set forth in the prevailing long-term debt agreement(s).

Income Taxes

Income Taxes	6 Months Ended
	Jun. 30, 2018
Income Tax Disclosure [Abstract]
Income Taxes	6. Income Taxes The Company’s effective tax rate for the six months ended June 30, 2018, decreased to 21.5% from 34.6% for the six months ended June 30, 2017. The decrease was primarily attributable to the reduction of the U.S. federal statutory income tax rate to 21% from 35% resulting from the Tax Cuts and Jobs Act, which was enacted into law on December 22, 2017.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	6 Months Ended
	Jun. 30, 2018
Equity [Abstract]
Accumulated Other Comprehensive Loss	7. Accumulated Other Comprehensive Loss The following table sets forth the components of accumulated other comprehensive income (loss), net of tax for the six months ended June 30, 2018 and 2017 (in thousands): Foreign currency translation gain (loss) Total Balance at December 31, 2016 $ (11,578 ) $ (11,578 ) Other comprehensive income, before reclassifications and tax 3,927 3,927 Tax impact (1,418 ) (1,418 ) Balance at June 30, 2017 $ (9,069 ) $ (9,069 ) Balance at December 31, 2017 $ (7,086 ) $ (7,086 ) Other comprehensive loss, before reclassifications and tax (4,850 ) (4,850 ) Tax impact 1,091 1,091 Australia and Canada liquidation (1) 2,343 2,343 Tax impact (781 ) (781 ) Reclassification of certain deferred tax effects (2) (1,622 ) (1,622 ) Balance at June 30, 2018 $ (10,905 ) $ (10,905 ) (1) Amount reclassified from accumulated other comprehensive loss represents the realization of foreign currency translation losses on the Company’s Australia and Canada businesses for the six months ended June 30, 2018. These amounts were recorded in “Foreign currency transaction (loss) gain” on the consolidated statements of income. See Note 1 for additional information. (2) Amount reclassified from accumulated other comprehensive loss represents stranded tax effects resulting from the newly enacted federal corporate income tax rate under the Tax Cuts and Jobs Act. The amount of the reclassification is the difference between the historical corporate income tax rate and the newly enacted 21 percent corporate income tax rate. These amounts were recorded to retained earnings on the consolidated balance sheets. See Note 1 for additional information.

Earnings Per Share

Earnings Per Share	6 Months Ended
	Jun. 30, 2018
Earnings Per Share [Abstract]
Earnings Per Share	8. Earnings Per Share Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted earnings per share is calculated by giving effect to the potential dilution that could occur if securities or other contracts to issue common shares were exercised and converted into common shares during the period. Restricted stock units issued under the Company’s stock-based employee compensation plans are included in diluted shares upon the granting of the awards even though the vesting of shares will occur over time. The following table sets forth the reconciliation of numerators and denominators of basic and diluted earnings per share computations for the three and six months ended June 30, 2018 and 2017 (in thousands, except per share amounts): Three Months Ended Six Months Ended June 30, June 30, 2018 2017 2018 2017 Numerator: Net income $ 18,225 $ 11,873 $ 46,123 $ 25,725 Denominator: Total weighted average basic shares 33,984 33,553 33,821 33,463 Shares applicable to stock-based compensation 1,387 572 1,145 618 Total weighted average diluted shares 35,371 34,125 34,966 34,081 Earnings per share: Net income per share – basic $ 0.54 $ 0.35 $ 1.36 $ 0.77 Net income per share – diluted $ 0.52 $ 0.35 $ 1.32 $ 0.75 For the three months ended June 30, 2018, no shares and June 30, 2017 six months ended June 30, 2018 and 2017

Operating Segment Information

Operating Segment Information	6 Months Ended
	Jun. 30, 2018
Segment Reporting [Abstract]
Operating Segment Information	9. 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 six months ended June 30, 2018 and 2017 (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2018 2017 2018 2017 Revenue Domestic $ 213,638 $ 158,073 $ 426,604 $ 322,742 International 39,663 31,831 80,995 59,425 Total revenue $ 253,301 $ 189,904 $ 507,599 $ 382,167 Income from operations Domestic $ 72,183 $ 58,565 $ 159,942 $ 120,635 International 1,070 3,728 2,788 5,922 Corporate services (30,159 ) (27,090 ) (57,924 ) (53,282 ) Total income from operations $ 43,094 $ 35,203 $ 104,806 $ 73,275 Depreciation and amortization Domestic $ 1,897 $ 1,532 $ 3,755 $ 3,058 International 371 361 743 740 Corporate services 1,569 1,473 3,177 3,065 Total depreciation and amortization $ 3,837 $ 3,366 $ 7,675 $ 6,863 Expenditures for property and equipment Domestic $ 2,214 $ 1,429 $ 4,204 $ 2,040 International 886 1,035 1,954 2,120 Corporate services 616 681 907 1,141 Total expenditures for property and equipment $ 3,716 $ 3,145 $ 7,065 $ 5,301 June 30, 2018 2017 Property and equipment, net Domestic $ 17,783 $ 19,872 International 8,357 6,364 Corporate services 21,612 18,093 Total property and equipment, net $ 47,752 $ 44,329 Assets Domestic $ 996,105 $ 820,156 International 127,613 115,535 Corporate services 59,486 66,178 Total assets $ 1,183,204 $ 1,001,869 Geographic Information The following table presents the Company’s revenue by geographic region for the three and six months ended June 30, 2018 and 2017 (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2018 2017 2018 2017 Revenue United States $ 213,638 $ 158,073 $ 426,604 $ 322,742 United Kingdom 34,010 27,406 68,999 51,849 Other international countries 5,653 4,425 11,996 7,576 Total revenue $ 253,301 $ 189,904 $ 507,599 $ 382,167 The Company’s long-lived assets, which consist of the Company’s property and equipment, were $47.8 million and $44.3 million at June 30, 2018 and 2017, respectively. The operations for the Company’s domestic and international businesses are primarily located within the United States, and the value of any long-lived assets located outside of the United States is immaterial.

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
	Jun. 30, 2018
Commitments And Contingencies Disclosure [Abstract]
Commitments and Contingencies	10. 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. On January 10, 2018, the Ninth Circuit filed an opinion affirming the district court's entry of summary judgment for us and the other defendants. The plaintiff had 90 days from the date of the opinion to petition the United States Supreme Court to review the matter On April 23, 2018, the Commonwealth of Virginia, through Attorney General Mark R. Herring, filed a lawsuit in the Circuit Court for the County of Fairfax, Virginia against NC Financial Solutions of Utah, LLC (“NC Utah”), a subsidiary of the Company. The lawsuit alleges violations of the Virginia Consumer Protection Act (“VCPA”) relating to NC Utah’s communications with customers, collections of certain payments, its loan agreements, and the rates it charged to Virginia borrowers. The plaintiff is seeking to enjoin NC Utah from continuing its current lending practices in Virginia, restitution, civil penalties, and costs and expenses in connection with the same. Neither the likelihood of an unfavorable 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 carefully considered applicable Virginia law before NC Utah began lending in Virginia and, as a result, 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 twelve months ended December 31, 2017 (in thousands): Lease Termination Costs Other Exit Costs Total Balance at January 1, 2017 $ 637 $ 135 $ 772 Payments (554 ) (9 ) (563 ) Adjustments (83 ) (126 ) (209 ) Balance at December 31, 2017 $ — $ — $ —

Derivative Instruments

Derivative Instruments	6 Months Ended
	Jun. 30, 2018
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Derivative Instruments	11 . Derivative Instruments The Company periodically uses derivative instruments to manage risk from changes in market conditions that may affect the Company’s financial performance. The Company 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 and Brazil. 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 June 30, 2018, 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 June 30, 2018 and 2017. The following table presents information related to the Company’s derivative instruments as of December 31, 2017 (in thousands): Non-designated derivatives: As of December 31, 2017 Gross Amounts Gross Amounts Net Amounts of Assets of Recognized Offset in the Presented in the Notional Financial Consolidated Consolidated Balance Forward currency exchange contracts Amount Instruments Balance Sheets (1) Sheets (2) Assets $ — $ — $ — $ — Liabilities $ 12,039 $ 55 $ — $ 55 (1) As of December 31, 2017, the Company had no gross amounts of recognized derivative instruments that the Company makes an accounting policy election not to offset. In addition, there was no financial collateral related to the Company’s derivatives. The Company has no assets or liabilities that are subject to an enforceable master netting agreement or similar arrangement. (2) Represents the fair value of forward currency contracts, which is recorded in “Accounts payable and accrued expenses” in the consolidated balance sheets. The following table presents information on the effect of derivative instruments on the consolidated results of operations and accumulated other comprehensive income (“AOCI”) for the six months ended June 30, 2018 and 2017 (dollars in thousands): Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Six Months Ended Six Months Ended Six Months Ended June 30, June 30, June 30, 2018 2017 2018 2017 2018 2017 Non-designated derivatives: Forward currency exchange contracts (1) $ 243 $ — $ — $ — $ — $ — Total $ 243 $ — $ — $ — $ — $ — (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	6 Months Ended
	Jun. 30, 2018
Related Party Transactions [Abstract]
Related Party Transactions	12. Related Party Transactions An officer of the Company, who resigned effective July 1, 2018, had 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). 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 were guaranteed by the Company. The Promissory Note accrued interest at a rate of 4.0% per annum and the total outstanding principal and accrued interest of $3.4 million was paid on June 22, 2018. During the six months ended June 30, 2018 and 2017, the Company incurred interest expense of $62 thousand and $63 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 six months ended June 30, 2018 and 2017, the Company was paid $20 thousand and $14 thousand, respectively, for such services. In October 2017, the Company entered into an agreement for direct mail production and fulfillment services with a marketing services company where David Fisher, the Company’s Chief Executive Officer and Chairman of the Board, also serves as a member of the marketing services company’s Board of Directors. During the six months ended June 30, 2018, the Company paid $4.0 million to the agency. As of June 30, 2018, the Company owed the agency $1.1 million related to services provided.

Variable Interest Entities

Variable Interest Entities	6 Months Ended
	Jun. 30, 2018
Variable Interest Entities [Abstract]
Variable Interest Entities	13. 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): June 30, December 31, 2018 2017 2017 Assets Restricted cash $ 21,744 $ 19,119 $ 21,696 Loans and finance receivables, net 236,953 223,372 259,996 Other receivables and prepaid expenses 8 3 — Other assets 132 2,190 178 Total assets $ 258,837 $ 244,684 $ 281,870 Liabilities Accounts payable and accrued expenses $ 1,489 $ 1,433 $ 1,671 Long-term debt 176,928 150,933 208,135 Total liabilities $ 178,417 $ 152,366 $ 209,806

Fair Value Measurements

Fair Value Measurements	6 Months Ended
	Jun. 30, 2018
Fair Value Disclosures [Abstract]
Fair Value Measurements	14. 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 six months ended June 30, 2018 and 2017, 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 June 30, 2018 and 2017 and December 31, 2017 are as follows (dollars in thousands): June 30, Fair Value Measurements Using 2018 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) $ 2,093 $ 2,093 $ — $ — Total $ 2,093 $ 2,093 $ — $ — June 30, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) $ 1,387 $ 1,387 $ — $ — Contingent consideration (2,358 ) — — (2,358 ) Total $ (971 ) $ 1,387 $ — $ (2,358 ) December 31, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ (55 ) $ — $ (55 ) $ — Non-qualified savings plan assets (1) 1,460 1,460 — — Total $ 1,405 $ 1,460 $ (55 ) $ — (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. Based on future expected earnings, the Company did not expect to pay any additional contingent consideration and recorded an adjustment to write-off the remaining liability in 2017. As of June 30, 2018 the Company had not made and was no longer potentially liable for any contingent payments related to this acquisition. 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, 2016 $ 2,358 $ 2,358 Adjustments — — Balance at June 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 June 30, 2018 and 2017 and December 31, 2017 Financial Assets and Liabilities Not Measured at Fair Value The Company’s financial assets and liabilities as of June 30, 2018 and 2017 and December 31, 2017 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands): Balance at June 30, Fair Value Measurements Using 2018 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 47,414 $ 47,414 $ — $ — Short-term loans and line of credit accounts, net (1) 198,478 — — 198,478 Installment loans and RPAs, net (1)(4) 551,653 — — 578,489 Restricted cash (5) 28,863 28,863 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 833,111 $ 76,277 $ — $ 783,670 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 2,092 $ — $ — $ 2,092 Revolving line of credit 52,999 — — 52,999 Securitization Notes 179,059 — 181,853 — 9.75% senior notes due 2021 293,178 — 310,488 — 8.50% senior notes due 2024 250,000 — 259,178 — Total $ 777,328 $ — $ 751,519 $ 55,091 Balance at June 30, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 46,209 $ 46,209 $ — $ — Short-term loans and line of credit accounts, net (1) 157,184 — — 157,184 Installment loans and RPAs, net (1)(4) 406,812 — — 441,701 Restricted cash (5) 26,636 26,636 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 643,544 $ 72,845 $ — $ 605,588 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,941 $ — $ — $ 1,941 Promissory note 3,000 — — 3,202 Securitization Notes 151,987 — 153,812 — 9.75% senior notes due 2021 496,029 — 518,855 — Total $ 652,957 $ — $ 672,667 $ 5,143 Balance at December 31, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 68,684 $ 68,684 $ — $ — Short-term loans and line of credit accounts, net (1) 192,675 — — 192,675 Installment loans and RPAs, net (1)(4) 512,030 — — 544,799 Restricted cash (5) 29,460 29,460 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 809,552 $ 98,144 $ — $ 744,177 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 2,258 $ — $ — $ 2,258 Promissory note 3,000 — — 3,287 Securitization Notes 211,406 — 215,063 — 9.75% senior notes due 2021 342,558 — 365,700 — 8.50% senior notes due 2024 250,000 — 255,000 — Total $ 809,222 $ — $ 835,763 $ 5,545 (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 $237.0 million, $223.4 million and $260.0 million in net assets of consolidated VIEs as of June 30, 2018 and 2017 and December 31, 2017, respectively. (5) Restricted cash includes $21.7 million, $19.1 million and $21.7 million in assets of consolidated VIEs as of June 30, 2018 and 2017 and December 31, 2017, 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 cash and cash equivalents and restricted cash 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 June 30, 2018 and 2017 and December 31, 2017, 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 June 30, 2018 and 2017 and December 31, 2017 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 $2.1 million, $1.9 million and $2.3 million as of June 30, 2018 and 2017 and December 31, 2017, 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 measured the fair value of the Promissory Note using Level 3 inputs. The fair value of the Promissory Note was estimated using a discounted cash flow analysis. There was no outstanding balance for the Promissory Note as of June 30, 2018. As of June 30, 2017 and December 31, 2017, the Promissory Note had a higher fair value than the carrying value. The Company measures the fair value of its Revolving line of credit borrowings using Level 3 inputs. The Company considered the fair value of its other long-term debt and the timing of expected payment(s). As of June 30, 2018, the fair value of the Company’s Revolving line of credit borrowings approximated 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	6 Months Ended
	Jun. 30, 2018
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Condensed Consolidating Financial Statements	15. Condensed Consolidating Financial Statements The Company’s 2021 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 June 30, 2018 and 2017 and December 31, 2017 and for the periods ended June 30, 2018 and 2017 are shown on the following pages. CONDENSED CONSOLIDATING BALANCE SHEETS As of June 30, 2018 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ 840 $ 45,950 $ 624 $ — $ 47,414 Restricted cash — 7,119 21,744 — 28,863 Loans and finance receivables, net — 513,178 236,953 — 750,131 Income taxes receivable 128,843 (125,867 ) 30 — 3,006 Other receivables and prepaid expenses 111 24,387 875 — 25,373 Property and equipment, net — 47,286 466 — 47,752 Goodwill — 267,013 — — 267,013 Intangible assets, net — 3,790 — — 3,790 Investment in subsidiaries 454,886 60,505 — (515,391 ) — Intercompany receivable 342,821 — — (342,821 ) — Other assets 1,810 7,921 131 — 9,862 Total assets $ 929,311 $ 851,282 $ 260,823 $ (858,212 ) $ 1,183,204 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 9,867 $ 60,086 $ 2,453 $ — $ 72,406 Intercompany payables — 313,707 29,114 (342,821 ) — Income taxes currently payable — — — — — Deferred tax liabilities, net (104 ) 14,833 (407 ) — 14,322 Long-term debt 585,903 — 176,928 — 762,831 Total liabilities 595,666 388,626 208,088 (342,821 ) 849,559 Commitments and contingencies Stockholders' equity 333,645 462,656 52,735 (515,391 ) 333,645 Total liabilities and stockholders' equity $ 929,311 $ 851,282 $ 260,823 $ (858,212 ) $ 1,183,204 CONDENSED CONSOLIDATING BALANCE SHEETS As of June 30, 2017 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 41,612 $ 4,597 $ — $ 46,209 Restricted cash — 7,517 19,119 — 26,636 Loans and finance receivables, net — 331,618 232,378 — 563,996 Income taxes receivable 97,048 (83,659 ) 21 — 13,410 Other receivables and prepaid expenses 112 20,450 1,444 — 22,006 Property and equipment, net — 43,681 648 — 44,329 Goodwill — 267,012 — — 267,012 Intangible assets, net — 4,864 1 — 4,865 Investment in subsidiaries 342,490 39,760 — (382,250 ) — Intercompany receivable 322,672 — — (322,672 ) — Other assets 3,847 7,369 2,190 — 13,406 Total assets $ 766,169 $ 680,224 $ 260,398 $ (704,922 ) $ 1,001,869 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 4,162 $ 56,246 $ 2,391 $ — $ 62,799 Intercompany payables — 247,094 75,578 (322,672 ) — Deferred tax liabilities, net (377 ) 26,608 (478 ) — 25,753 Long-term debt 487,816 — 150,933 — 638,749 Total liabilities 491,601 329,948 228,424 (322,672 ) 727,301 Commitments and contingencies Stockholders' equity 274,568 350,276 31,974 (382,250 ) 274,568 Total liabilities and stockholders' equity $ 766,169 $ 680,224 $ 260,398 $ (704,922 ) $ 1,001,869 CONDENSED CONSOLIDATING BALANCE SHEETS As of December 31, 2017 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ 12,183 $ 54,659 $ 1,842 $ — $ 68,684 Restricted cash — 7,764 21,696 — 29,460 Loans and finance receivables, net — 442,516 262,189 — 704,705 Income taxes receivable 114,494 (110,852 ) 450 — 4,092 Other receivables and prepaid expenses 833 20,731 2,253 — 23,817 Property and equipment, net — 47,965 560 — 48,525 Goodwill — 267,015 — — 267,015 Intangible assets, net — 4,325 — — 4,325 Investment in subsidiaries 388,538 63,956 — (452,494 ) — Intercompany receivable 354,457 — — (354,457 ) — Other assets 1,785 6,874 178 — 8,837 Total assets $ 872,290 $ 804,953 $ 289,168 $ (806,951 ) $ 1,159,460 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 10,336 $ 64,541 $ 2,246 $ — $ 77,123 Intercompany payables — 331,425 23,032 (354,457 ) — Deferred tax liabilities, net (140 ) 12,726 (478 ) — 12,108 Long-term debt 580,407 — 208,135 — 788,542 Total liabilities 590,603 408,692 232,935 (354,457 ) 877,773 Commitments and contingencies Stockholders' equity 281,687 396,261 56,233 (452,494 ) 281,687 Total liabilities and stockholders' equity $ 872,290 $ 804,953 $ 289,168 $ (806,951 ) $ 1,159,460 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended June 30, 2018 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 214,799 $ 36,790 $ 1,712 $ 253,301 Cost of Revenue — 100,528 20,966 — 121,494 Gross Profit — 114,271 15,824 1,712 131,807 Expenses Marketing — 28,553 833 — 29,386 Operations and technology — 26,730 (1,247 ) 1,712 27,195 General and administrative 56 27,581 658 — 28,295 Depreciation and amortization — 3,796 41 — 3,837 Total Expenses 56 86,660 285 1,712 88,713 (Loss) Income from Operations (56 ) 27,611 15,539 — 43,094 Interest expense, net (14,061 ) 3 (5,297 ) — (19,355 ) Foreign currency transaction loss (200 ) (4 ) — — (204 ) (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (14,317 ) 27,610 10,242 — 23,535 (Benefit from) provision for income taxes (3,210 ) 6,277 2,243 — 5,310 (Loss) Income before Equity in Net Earnings of Subsidiaries (11,107 ) 21,333 7,999 — 18,225 Net earnings of subsidiaries 29,332 7,999 — (37,331 ) — Net Income (Loss) $ 18,225 $ 29,332 $ 7,999 $ (37,331 ) $ 18,225 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (6,583 ) (6,270 ) (314 ) 6,584 (6,583 ) Total other comprehensive (loss) gain, net of tax (6,583 ) (6,270 ) (314 ) 6,584 (6,583 ) Comprehensive Income (Loss) $ 11,642 $ 23,062 $ 7,685 $ (30,747 ) $ 11,642 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended June 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 157,406 $ 33,744 $ (1,246 ) $ 189,904 Cost of Revenue — 58,517 21,345 — 79,862 Gross Profit — 98,889 12,399 (1,246 ) 110,042 Expenses Marketing — 22,890 520 — 23,410 Operations and technology — 20,237 1,581 — 21,818 General and administrative 86 25,455 1,950 (1,246 ) 26,245 Depreciation and amortization — 3,320 46 — 3,366 Total Expenses 86 71,902 4,097 (1,246 ) 74,839 (Loss) Income from Operations (86 ) 26,987 8,302 — 35,203 Interest expense, net (13,365 ) (29 ) (3,618 ) — (17,012 ) Foreign currency transaction gain 57 5 — — 62 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (13,394 ) 26,963 4,684 — 18,253 Provision for income taxes (4,673 ) 9,425 1,628 — 6,380 (Loss) Income before Equity in Net Earnings of Subsidiaries (8,721 ) 17,538 3,056 — 11,873 Net earnings of subsidiaries 20,594 3,056 — (23,650 ) — Net Income (Loss) $ 11,873 $ 20,594 $ 3,056 $ (23,650 ) $ 11,873 Other comprehensive gain (loss), net of tax: Foreign currency translation gain (loss) 1,371 2,383 (1,012 ) (1,371 ) 1,371 Total other comprehensive gain (loss), net of tax 1,371 2,383 (1,012 ) (1,371 ) 1,371 Comprehensive Income (Loss) $ 13,244 $ 22,977 $ 2,044 $ (25,021 ) $ 13,244 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Six Months Ended June 30, 2018 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 429,533 $ 78,066 $ — $ 507,599 Cost of Revenue — 183,757 46,290 — 230,047 Gross Profit — 245,776 31,776 — 277,552 Expenses Marketing — 55,530 1,592 — 57,122 Operations and technology 3 51,080 1,650 — 52,733 General and administrative 132 53,061 2,023 — 55,216 Depreciation and amortization — 7,590 85 — 7,675 Total Expenses 135 167,261 5,350 — 172,746 (Loss) Income from Operations (135 ) 78,515 26,426 — 104,806 Interest expense, net (28,005 ) (445 ) (10,578 ) — (39,028 ) Foreign currency transaction gain (loss) 55 (2,347 ) — — (2,292 ) Loss on early extinguishment of debt (4,710 ) — — — (4,710 ) (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (32,795 ) 75,723 15,848 — 58,776 (Benefit from) provision for income taxes (7,060 ) 16,302 3,411 — 12,653 (Loss) Income before Equity in Net Earnings of Subsidiaries (25,735 ) 59,421 12,437 — 46,123 Net earnings of subsidiaries 71,858 12,437 — (84,295 ) — Net Income (Loss) $ 46,123 $ 71,858 $ 12,437 $ (84,295 ) $ 46,123 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (2,197 ) (3,773 ) (47 ) 3,820 (2,197 ) Reclassification of certain deferred tax effects (1,622 ) — — — (1,622 ) Total other comprehensive (loss) gain, net of tax (3,819 ) (3,773 ) (47 ) 3,820 (3,819 ) Comprehensive Income (Loss) $ 42,304 $ 68,085 $ 12,390 $ (80,475 ) $ 42,304 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Six Months Ended June 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 318,173 $ 66,528 $ (2,534 ) $ 382,167 Cost of Revenue — 117,932 43,814 — 161,746 Gross Profit — 200,241 22,714 (2,534 ) 220,421 Expenses Marketing — 42,263 730 — 42,993 Operations and technology — 42,179 3,170 — 45,349 General and administrative 134 50,314 4,027 (2,534 ) 51,941 Depreciation and amortization — 6,775 88 — 6,863 Total Expenses 134 141,531 8,015 (2,534 ) 147,146 (Loss) Income from Operations (134 ) 58,710 14,699 — 73,275 Interest expense, net (26,542 ) (64 ) (7,628 ) — (34,234 ) Foreign currency transaction gain 284 5 — — 289 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (26,392 ) 58,651 7,071 — 39,330 (Benefit from) provision for income taxes (9,129 ) 20,288 2,446 — 13,605 (Loss) Income before Equity in Net Earnings of Subsidiaries (17,263 ) 38,363 4,625 — 25,725 Net earnings of subsidiaries 42,988 4,625 — (47,613 ) — Net Income (Loss) $ 25,725 $ 42,988 $ 4,625 $ (47,613 ) $ 25,725 Other comprehensive gain (loss), net of tax: Foreign currency translation gain (loss) 2,509 2,893 (384 ) (2,509 ) 2,509 Total other comprehensive gain (loss), net of tax 2,509 2,893 (384 ) (2,509 ) 2,509 Comprehensive Income (Loss) $ 28,234 $ 45,881 $ 4,241 $ (50,122 ) $ 28,234 CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Six Months Ended June 30, 2018 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ (13,091 ) $ 333,840 $ (12,596 ) $ (12,437 ) $ 295,716 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (786,788 ) — — (786,788 ) Securitized loans transferred — 120,727 (120,727 ) — — Loans and finance receivables repaid — 329,932 180,306 — 510,238 Purchases of property and equipment — (6,997 ) (68 ) — (7,065 ) Capital contributions to subsidiaries — 15,888 — (15,888 ) — Other investing activities — 42 — — 42 Net cash (used in) provided by investing activities — (327,196 ) 59,511 (15,888 ) (283,573 ) Cash Flows from Financing Activities (Payments for) proceeds from member's equity — (12,437 ) (15,888 ) 28,325 — Debt issuance costs paid (360 ) — — — (360 ) Debt prepayment penalty (3,656 ) — — — (3,656 ) Payment of promissory note — (3,000 ) — — (3,000 ) Treasury shares purchased (1,522 ) — — — (1,522 ) Repayments of Senior Notes (50,000 ) — — — (50,000 ) Borrowings under revolving line of credit 77,000 — — — 77,000 Repayments under revolving line of credit (24,001 ) — — — (24,001 ) Borrowings under securitization facility — — 80,300 — 80,300 Repayments under securitization facility — — (112,647 ) — (112,647 ) Proceeds from exercise of stock options 4,287 — — — 4,287 Net cash provided (used in) by financing activities 1,748 (15,437 ) (48,235 ) 28,325 (33,599 ) Effect of exchange rates on cash, cash equivalents and restricted cash — (561 ) 150 — (411 ) Net decrease in cash, cash equivalents and restricted cash (11,343 ) (9,354 ) (1,170 ) — (21,867 ) Cash, cash equivalents and restricted cash at beginning of year 12,183 62,423 23,538 — 98,144 Cash, cash equivalents and restricted cash at end of period $ 840 $ 53,069 $ 22,368 $ — $ 76,277 CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Six Months Ended June 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 672 $ 203,382 $ (10,877 ) $ (7,119 ) $ 186,058 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (592,766 ) (14,666 ) — (607,432 ) Securitized loans transferred — 98,610 (98,610 ) — — Loans and finance receivables repaid — 311,931 130,770 — 442,701 Purchases of property and equipment — (5,148 ) (153 ) — (5,301 ) Capital contributions to subsidiaries — (7,510 ) — 7,510 — Other investing activities — 1,482 — — 1,482 Net cash (used in) provided by investing activities — (193,401 ) 17,341 7,510 (168,550 ) Cash Flows from Financing Activities (Payments for) proceeds from member's equity — (7,119 ) 7,510 (391 ) — Debt issuance costs paid — (1,797 ) — — (1,797 ) Treasury shares purchased (672 ) — — — (672 ) Borrowings under securitization facility — — 65,600 — 65,600 Repayments under securitization facility — — (79,031 ) — (79,031 ) Net cash used in financing activities (672 ) (8,916 ) (5,921 ) (391 ) (15,900 ) Effect of exchange rates on cash — 5,169 (172 ) — 4,997 Net increase in cash, cash equivalents and restricted cash — 6,234 371 — 6,605 Cash, cash equivalents and restricted cash at beginning of year — 42,895 23,345 — 66,240 Cash, cash equivalents and restricted cash at end of period $ — $ 49,129 $ 23,716 $ — $ 72,845

Subsequent Events

Subsequent Events	6 Months Ended
	Jun. 30, 2018
Subsequent Events [Abstract]
Subsequent Events	16. Subsequent Events Subsequent events have been reviewed through the date these financial statements were available to be issued. 2018-1 Facility On July 23, 2018, the Company and several of its subsidiaries entered into a receivables funding (the “2018‑1 Facility”) with Pacific Western Bank, as lender (the “2018‑1 Lender”). The 2018‑1 Facility collateralizes Receivables that have been and will be originated or acquired under the Company’s NetCredit brand by several of the Company’s subsidiaries and that meet specified eligibility criteria in exchange for a revolving note. Under the 2018‑1 Facility, Receivables are sold to a wholly-owned special purpose subsidiary of the Company (the “2018‑1 Debtor”) and serviced by another subsidiary of the Company. The 2018‑1 Debtor has issued a revolving note with an initial maximum principal balance of $150.0 million, which is required to be secured by 1.25 times the drawn amount in eligible Receivables. The 2018‑1 Facility is non-recourse to the Company and matures on July 22, 2023. The 2018‑1 Facility is governed by a loan and security agreement, dated as of July 23, 2018, between the 2018‑1 Lender and the 2018‑1 Debtor. The 2018-1 Facility bears interest at a rate per annum equal to LIBOR (subject to a floor) plus an applicable margin, which rate per annum is initially 4.00%. In addition, the 2018‑1 Debtor paid certain customary upfront closing fees to the 2018‑1 Lender. Interest payments on the 2018‑1 Facility will be made monthly. The 2018‑1 Debtor shall be permitted to prepay the 2018‑1 Facility, subject to certain fees and conditions. In the event of prepayment for the purposes of securitizations, no fees shall apply. Any remaining amounts outstanding will be payable no later than July 22, 2023, the final maturity date. All amounts due under the 2018‑1 Facility are secured by all of the 2018‑1 Debtor’s assets, which include the Receivables transferred to the 2018‑1 Debtor, related rights under the Receivables, a bank account and certain other related collateral. The 2018‑1 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 default and termination provisions which provide for the acceleration of the 2018‑1 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 of the 2018‑1 Debtor.

Significant Accounting Polici25

Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2018
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The consolidated financial statements of the Company reflect the historical results of operations and cash flows of the Company during each respective period. The consolidated financial statements include goodwill and intangible assets arising from businesses previously acquired. The financial information included herein may not be indicative of the consolidated financial position, operating results, changes in stockholders’ equity and cash flows of the Company in the future. Intercompany transactions are eliminated. Certain amounts in the consolidated financial statements for prior years have been reclassified to conform to the current consolidated financial statement presentation. 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 consolidated financial statements presented as of June 30, 2018 and 2017 and for the three and six-month periods ended June 30, 2018 and 2017 are unaudited but, in management’s opinion, include all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for such interim periods. Operating results for the three and six-month periods are not necessarily indicative of the results that may be expected for the full fiscal year. These consolidated financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2017 and 2016 and for the years ended December 31, 2017, 2016 and 2015 and related notes, which are included on Form 10-K filed with the SEC on February 26, 2018.
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. Cash, Cash Equivalents and Restricted Cash The following table provides a reconciliation of cash, cash equivalents and restricted cash to amounts reported within the consolidated balance sheet (in thousands): June 30, 2018 2017 Cash and cash equivalents $ 47,414 $ 46,209 Restricted cash 28,863 26,636 Total cash, cash equivalents and restricted cash $ 76,277 $ 72,845
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, origination 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 and origination fees are 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, 2018 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.
Reclassification of Accumulated Other Comprehensive Income (“AOCI”) to Net Income	Reclassification of Accumulated Other Comprehensive Income to Net Income In May 2009 and October 2009, the Company began providing services in Australia and Canada under the brand name DollarsDirect. Due to the small size of the Australian and Canadian markets and our limited operations there, we decided to exit those markets in 2016 and reallocate our resources to our other existing businesses. As a result, we stopped originating loans in those countries and have wound down our loan portfolios. During the quarter ended March 31, 2018, the Company continued the liquidation process of the legal entities related to Australia and Canada and recorded a $2.3 million loss to “Foreign currency transaction (loss) gain” in the consolidated statements of income to recognize the cumulative translation adjustment balance that had been previously recorded to “Accumulated other comprehensive loss” on the consolidated balance sheets.
Adopted Accounting Standards	Adopted In February 2018, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2018-02, Income Statement - Reporting Comprehensive Income, (Topic 220): Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income 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 2017-01, 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 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. The Company adopted ASU 2016-01 as of January 1, 2018. The adoption of ASU 2016-01 did not have a material effect on the Company’s consolidated financial statements. In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606) Accounting Standards to be Adopted in Future Periods In January 2017, the FASB issued ASU 2017-04, Intangibles – Goodwill and Other (Topic 350) – Simplifying the Test for Goodwill Impairment 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)
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 and Brazil. 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 June 30, 2018, 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.

Significant Accounting Polici26

Significant Accounting Policies (Tables)	6 Months Ended
	Jun. 30, 2018
Accounting Policies [Abstract]
Schedule of Reconciliation of Cash, Cash Equivalents and Restricted Cash	The following table provides a reconciliation of cash, cash equivalents and restricted cash to amounts reported within the consolidated balance sheet (in thousands): June 30, 2018 2017 Cash and cash equivalents $ 47,414 $ 46,209 Restricted cash 28,863 26,636 Total cash, cash equivalents and restricted cash $ 76,277 $ 72,845

Loans and Finance Receivables27

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables (Tables)	6 Months Ended
	Jun. 30, 2018
Receivables [Abstract]
Schedule of Revenue Generated from Loans and Finance Receivables	Revenue generated from the Company’s loans and finance receivables for the three and six months ended June 30, 2018 and 2017 was as follows (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2018 2017 2018 2017 Short-term loans $ 50,312 $ 46,776 $ 103,687 $ 94,199 Line of credit accounts 79,658 58,824 157,967 118,283 Installment loans and RPAs 123,049 84,057 245,157 169,140 Total loans and finance receivables revenue 253,019 189,657 506,811 381,622 Other 282 247 788 545 Total revenue $ 253,301 $ 189,904 $ 507,599 $ 382,167
Components of Company-Owned Loans and Finance Receivables	The components of Company-owned loans and finance receivables at June 30, 2018 and 2017 and December 31, 2017 were as follows (dollars in thousands): As of June 30, 2018 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 40,443 $ 172,755 $ 575,750 $ 788,948 Delinquent receivables: Delinquent payment amounts (1) — 6,917 2,108 9,025 Receivables on non-accrual status 26,812 1,462 45,668 73,942 Total delinquent receivables 26,812 8,379 47,776 82,967 Total loans and finance receivables, gross 67,255 181,134 623,526 871,915 Less: Allowance for losses (18,861 ) (31,050 ) (71,873 ) (121,784 ) Loans and finance receivables, net $ 48,394 $ 150,084 $ 551,653 $ 750,131 As of June 30, 2017 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 39,213 $ 125,953 $ 424,703 $ 589,869 Delinquent receivables: Delinquent payment amounts (1) — 2,983 2,470 5,453 Receivables on non-accrual status 22,352 5,218 24,943 52,513 Total delinquent receivables 22,352 8,201 27,413 57,966 Total loans and finance receivables, gross 61,565 134,154 452,116 647,835 Less: Allowance for losses (15,688 ) (22,847 ) (45,304 ) (83,839 ) Loans and finance receivables, net $ 45,877 $ 111,307 $ 406,812 $ 563,996 As of December 31, 2017 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 45,552 $ 161,070 $ 537,634 $ 744,256 Delinquent receivables: Delinquent payment amounts (1) — 7,696 3,635 11,331 Receivables on non-accrual status 28,120 1,302 42,740 72,162 Total delinquent receivables 28,120 8,998 46,375 83,493 Total loans and finance receivables, gross 73,672 170,068 584,009 827,749 Less: Allowance for losses (19,917 ) (31,148 ) (71,979 ) (123,044 ) Loans and finance receivables, net $ 53,755 $ 138,920 $ 512,030 $ 704,705 (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 six months ended June 30, 2018 and 2017 were as follows (dollars in thousands): Three Months Ended June 30, 2018 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 $ 19,136 $ 27,120 $ 68,027 $ 114,283 Cost of revenue 19,764 31,211 69,837 120,812 Charge-offs (25,615 ) (30,554 ) (79,744 ) (135,913 ) Recoveries 5,989 3,273 14,866 24,128 Effect of foreign currency translation (413 ) — (1,113 ) (1,526 ) Balance at end of period $ 18,861 $ 31,050 $ 71,873 $ 121,784 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,261 $ — $ 149 $ 1,410 Increase in liability 622 — 60 682 Balance at end of period $ 1,883 $ — $ 209 $ 2,092 Three Months Ended June 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 $ 15,161 $ 21,765 $ 46,328 $ 83,254 Cost of revenue 15,867 19,868 43,373 79,108 Charge-offs (21,062 ) (22,080 ) (54,452 ) (97,594 ) Recoveries 5,523 3,294 10,009 18,826 Effect of foreign currency translation 199 — 46 245 Balance at end of period $ 15,688 $ 22,847 $ 45,304 $ 83,839 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,044 $ — $ 143 $ 1,187 Increase in liability 717 — 37 754 Balance at end of period $ 1,761 $ — $ 180 $ 1,941 Six Months Ended June 30, 2018 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 $ 19,917 $ 31,148 $ 71,979 $ 123,044 Cost of revenue 40,931 56,594 132,688 230,213 Charge-offs (54,100 ) (63,361 ) (160,950 ) (278,411 ) Recoveries 12,261 6,669 28,991 47,921 Effect of foreign currency translation (148 ) — (835 ) (983 ) Balance at end of period $ 18,861 $ 31,050 $ 71,873 $ 121,784 Liability for third-party lender-owned loans: Balance at beginning of period $ 2,105 $ — $ 153 $ 2,258 (Decrease) increase in liability (222 ) — 56 (166 ) Balance at end of period $ 1,883 $ — $ 209 $ 2,092 Six Months Ended June 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 32,141 39,699 89,961 161,801 Charge-offs (45,441 ) (50,544 ) (119,774 ) (215,759 ) Recoveries 10,927 7,098 20,152 38,177 Effect of foreign currency translation 291 — 384 675 Balance at end of period $ 15,688 $ 22,847 $ 45,304 $ 83,839 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,716 $ — $ 280 $ 1,996 Increase (decrease) in liability 45 — (100 ) (55 ) Balance at end of period $ 1,761 $ — $ 180 $ 1,941

Long-term Debt (Tables)

Long-term Debt (Tables)	6 Months Ended
	Jun. 30, 2018
Debt Disclosure [Abstract]
Summary of Long-Term Debt Instruments and Balances Outstanding	The Company’s long-term debt instruments and balances outstanding as of June 30, 2018 and 2017 and December 31, 2017 were as follows (dollars in thousands): June 30, December 31, 2018 2017 2017 Securitization notes $ 179,059 $ 151,987 $ 211,406 Revolving line of credit 52,999 — — 9.75% senior notes due 2021 293,178 496,029 342,558 8.50% senior notes due 2024 250,000 — 250,000 Subtotal 775,236 648,016 803,964 Less: Long-term debt issuance costs (12,405 ) (9,267 ) (15,422 ) Total long-term debt $ 762,831 $ 638,749 $ 788,542

Accumulated Other Comprehensi29

Accumulated Other Comprehensive Loss (Tables)	6 Months Ended
	Jun. 30, 2018
Equity [Abstract]
Schedule of Components of Accumulated Other Comprehensive Income (Loss), Net of Tax	The following table sets forth the components of accumulated other comprehensive income (loss), net of tax for the six months ended June 30, 2018 and 2017 (in thousands): Foreign currency translation gain (loss) Total Balance at December 31, 2016 $ (11,578 ) $ (11,578 ) Other comprehensive income, before reclassifications and tax 3,927 3,927 Tax impact (1,418 ) (1,418 ) Balance at June 30, 2017 $ (9,069 ) $ (9,069 ) Balance at December 31, 2017 $ (7,086 ) $ (7,086 ) Other comprehensive loss, before reclassifications and tax (4,850 ) (4,850 ) Tax impact 1,091 1,091 Australia and Canada liquidation (1) 2,343 2,343 Tax impact (781 ) (781 ) Reclassification of certain deferred tax effects (2) (1,622 ) (1,622 ) Balance at June 30, 2018 $ (10,905 ) $ (10,905 ) (1) Amount reclassified from accumulated other comprehensive loss represents the realization of foreign currency translation losses on the Company’s Australia and Canada businesses for the six months ended June 30, 2018. These amounts were recorded in “Foreign currency transaction (loss) gain” on the consolidated statements of income. See Note 1 for additional information. (2) Amount reclassified from accumulated other comprehensive loss represents stranded tax effects resulting from the newly enacted federal corporate income tax rate under the Tax Cuts and Jobs Act. The amount of the reclassification is the difference between the historical corporate income tax rate and the newly enacted 21 percent corporate income tax rate. These amounts were recorded to retained earnings on the consolidated balance sheets. See Note 1 for additional information.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2018
Earnings Per Share [Abstract]
Schedule of Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Share Computations	The following table sets forth the reconciliation of numerators and denominators of basic and diluted earnings per share computations for the three and six months ended June 30, 2018 and 2017 (in thousands, except per share amounts): Three Months Ended Six Months Ended June 30, June 30, 2018 2017 2018 2017 Numerator: Net income $ 18,225 $ 11,873 $ 46,123 $ 25,725 Denominator: Total weighted average basic shares 33,984 33,553 33,821 33,463 Shares applicable to stock-based compensation 1,387 572 1,145 618 Total weighted average diluted shares 35,371 34,125 34,966 34,081 Earnings per share: Net income per share – basic $ 0.54 $ 0.35 $ 1.36 $ 0.77 Net income per share – diluted $ 0.52 $ 0.35 $ 1.32 $ 0.75

Operating Segment Information (

Operating Segment Information (Tables)	6 Months Ended
	Jun. 30, 2018
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 six months ended June 30, 2018 and 2017 (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2018 2017 2018 2017 Revenue Domestic $ 213,638 $ 158,073 $ 426,604 $ 322,742 International 39,663 31,831 80,995 59,425 Total revenue $ 253,301 $ 189,904 $ 507,599 $ 382,167 Income from operations Domestic $ 72,183 $ 58,565 $ 159,942 $ 120,635 International 1,070 3,728 2,788 5,922 Corporate services (30,159 ) (27,090 ) (57,924 ) (53,282 ) Total income from operations $ 43,094 $ 35,203 $ 104,806 $ 73,275 Depreciation and amortization Domestic $ 1,897 $ 1,532 $ 3,755 $ 3,058 International 371 361 743 740 Corporate services 1,569 1,473 3,177 3,065 Total depreciation and amortization $ 3,837 $ 3,366 $ 7,675 $ 6,863 Expenditures for property and equipment Domestic $ 2,214 $ 1,429 $ 4,204 $ 2,040 International 886 1,035 1,954 2,120 Corporate services 616 681 907 1,141 Total expenditures for property and equipment $ 3,716 $ 3,145 $ 7,065 $ 5,301 June 30, 2018 2017 Property and equipment, net Domestic $ 17,783 $ 19,872 International 8,357 6,364 Corporate services 21,612 18,093 Total property and equipment, net $ 47,752 $ 44,329 Assets Domestic $ 996,105 $ 820,156 International 127,613 115,535 Corporate services 59,486 66,178 Total assets $ 1,183,204 $ 1,001,869
Summary of Company's Revenue by Geographical Region	The following table presents the Company’s revenue by geographic region for the three and six months ended June 30, 2018 and 2017 (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2018 2017 2018 2017 Revenue United States $ 213,638 $ 158,073 $ 426,604 $ 322,742 United Kingdom 34,010 27,406 68,999 51,849 Other international countries 5,653 4,425 11,996 7,576 Total revenue $ 253,301 $ 189,904 $ 507,599 $ 382,167

Commitments and Contingencies (

Commitments and Contingencies (Tables)	6 Months Ended
	Jun. 30, 2018
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 twelve months ended December 31, 2017 (in thousands): Lease Termination Costs Other Exit Costs Total Balance at January 1, 2017 $ 637 $ 135 $ 772 Payments (554 ) (9 ) (563 ) Adjustments (83 ) (126 ) (209 ) Balance at December 31, 2017 $ — $ — $ —

Derivative Instruments (Tables)

Derivative Instruments (Tables)	6 Months Ended
	Jun. 30, 2018
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Schedule of Derivative Assets at Fair Value	The following table presents information related to the Company’s derivative instruments as of December 31, 2017 (in thousands): Non-designated derivatives: As of December 31, 2017 Gross Amounts Gross Amounts Net Amounts of Assets of Recognized Offset in the Presented in the Notional Financial Consolidated Consolidated Balance Forward currency exchange contracts Amount Instruments Balance Sheets (1) Sheets (2) Assets $ — $ — $ — $ — Liabilities $ 12,039 $ 55 $ — $ 55 (1) As of December 31, 2017, the Company had no gross amounts of recognized derivative instruments that the Company makes an accounting policy election not to offset. In addition, there was no financial collateral related to the Company’s derivatives. The Company has no assets or liabilities that are subject to an enforceable master netting agreement or similar arrangement. (2) Represents the fair value of forward currency contracts, which is recorded in “Accounts payable and accrued expenses” in the consolidated balance sheets.
Effect Of Derivative Instruments	The following table presents information on the effect of derivative instruments on the consolidated results of operations and accumulated other comprehensive income (“AOCI”) for the six months ended June 30, 2018 and 2017 (dollars in thousands): Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Six Months Ended Six Months Ended Six Months Ended June 30, June 30, June 30, 2018 2017 2018 2017 2018 2017 Non-designated derivatives: Forward currency exchange contracts (1) $ 243 $ — $ — $ — $ — $ — Total $ 243 $ — $ — $ — $ — $ — (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)	6 Months Ended
	Jun. 30, 2018
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): June 30, December 31, 2018 2017 2017 Assets Restricted cash $ 21,744 $ 19,119 $ 21,696 Loans and finance receivables, net 236,953 223,372 259,996 Other receivables and prepaid expenses 8 3 — Other assets 132 2,190 178 Total assets $ 258,837 $ 244,684 $ 281,870 Liabilities Accounts payable and accrued expenses $ 1,489 $ 1,433 $ 1,671 Long-term debt 176,928 150,933 208,135 Total liabilities $ 178,417 $ 152,366 $ 209,806

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2018
Fair Value Disclosures [Abstract]
Fair Value Assets and Liabilities Measured on Recurring Basis	The Company’s financial assets and liabilities that are measured at fair value on a recurring basis as of June 30, 2018 and 2017 and December 31, 2017 are as follows (dollars in thousands): June 30, Fair Value Measurements Using 2018 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) $ 2,093 $ 2,093 $ — $ — Total $ 2,093 $ 2,093 $ — $ — June 30, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) $ 1,387 $ 1,387 $ — $ — Contingent consideration (2,358 ) — — (2,358 ) Total $ (971 ) $ 1,387 $ — $ (2,358 ) December 31, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ (55 ) $ — $ (55 ) $ — Non-qualified savings plan assets (1) 1,460 1,460 — — Total $ 1,405 $ 1,460 $ (55 ) $ — (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, 2016 $ 2,358 $ 2,358 Adjustments — — Balance at June 30, 2017 $ 2,358 $ 2,358
Financial Assets and Liabilities Not Measured at Fair Value	The Company’s financial assets and liabilities as of June 30, 2018 and 2017 and December 31, 2017 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands): Balance at June 30, Fair Value Measurements Using 2018 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 47,414 $ 47,414 $ — $ — Short-term loans and line of credit accounts, net (1) 198,478 — — 198,478 Installment loans and RPAs, net (1)(4) 551,653 — — 578,489 Restricted cash (5) 28,863 28,863 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 833,111 $ 76,277 $ — $ 783,670 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 2,092 $ — $ — $ 2,092 Revolving line of credit 52,999 — — 52,999 Securitization Notes 179,059 — 181,853 — 9.75% senior notes due 2021 293,178 — 310,488 — 8.50% senior notes due 2024 250,000 — 259,178 — Total $ 777,328 $ — $ 751,519 $ 55,091 Balance at June 30, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 46,209 $ 46,209 $ — $ — Short-term loans and line of credit accounts, net (1) 157,184 — — 157,184 Installment loans and RPAs, net (1)(4) 406,812 — — 441,701 Restricted cash (5) 26,636 26,636 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 643,544 $ 72,845 $ — $ 605,588 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,941 $ — $ — $ 1,941 Promissory note 3,000 — — 3,202 Securitization Notes 151,987 — 153,812 — 9.75% senior notes due 2021 496,029 — 518,855 — Total $ 652,957 $ — $ 672,667 $ 5,143 Balance at December 31, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 68,684 $ 68,684 $ — $ — Short-term loans and line of credit accounts, net (1) 192,675 — — 192,675 Installment loans and RPAs, net (1)(4) 512,030 — — 544,799 Restricted cash (5) 29,460 29,460 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 809,552 $ 98,144 $ — $ 744,177 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 2,258 $ — $ — $ 2,258 Promissory note 3,000 — — 3,287 Securitization Notes 211,406 — 215,063 — 9.75% senior notes due 2021 342,558 — 365,700 — 8.50% senior notes due 2024 250,000 — 255,000 — Total $ 809,222 $ — $ 835,763 $ 5,545 (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 $237.0 million, $223.4 million and $260.0 million in net assets of consolidated VIEs as of June 30, 2018 and 2017 and December 31, 2017, respectively. (5) Restricted cash includes $21.7 million, $19.1 million and $21.7 million in assets of consolidated VIEs as of June 30, 2018 and 2017 and December 31, 2017, respectively.

Condensed Consolidating Finan36

Condensed Consolidating Financial Statements (Tables)	6 Months Ended
	Jun. 30, 2018
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Condensed Consolidating Balance Sheets	CONDENSED CONSOLIDATING BALANCE SHEETS As of June 30, 2018 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ 840 $ 45,950 $ 624 $ — $ 47,414 Restricted cash — 7,119 21,744 — 28,863 Loans and finance receivables, net — 513,178 236,953 — 750,131 Income taxes receivable 128,843 (125,867 ) 30 — 3,006 Other receivables and prepaid expenses 111 24,387 875 — 25,373 Property and equipment, net — 47,286 466 — 47,752 Goodwill — 267,013 — — 267,013 Intangible assets, net — 3,790 — — 3,790 Investment in subsidiaries 454,886 60,505 — (515,391 ) — Intercompany receivable 342,821 — — (342,821 ) — Other assets 1,810 7,921 131 — 9,862 Total assets $ 929,311 $ 851,282 $ 260,823 $ (858,212 ) $ 1,183,204 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 9,867 $ 60,086 $ 2,453 $ — $ 72,406 Intercompany payables — 313,707 29,114 (342,821 ) — Income taxes currently payable — — — — — Deferred tax liabilities, net (104 ) 14,833 (407 ) — 14,322 Long-term debt 585,903 — 176,928 — 762,831 Total liabilities 595,666 388,626 208,088 (342,821 ) 849,559 Commitments and contingencies Stockholders' equity 333,645 462,656 52,735 (515,391 ) 333,645 Total liabilities and stockholders' equity $ 929,311 $ 851,282 $ 260,823 $ (858,212 ) $ 1,183,204 CONDENSED CONSOLIDATING BALANCE SHEETS As of June 30, 2017 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 41,612 $ 4,597 $ — $ 46,209 Restricted cash — 7,517 19,119 — 26,636 Loans and finance receivables, net — 331,618 232,378 — 563,996 Income taxes receivable 97,048 (83,659 ) 21 — 13,410 Other receivables and prepaid expenses 112 20,450 1,444 — 22,006 Property and equipment, net — 43,681 648 — 44,329 Goodwill — 267,012 — — 267,012 Intangible assets, net — 4,864 1 — 4,865 Investment in subsidiaries 342,490 39,760 — (382,250 ) — Intercompany receivable 322,672 — — (322,672 ) — Other assets 3,847 7,369 2,190 — 13,406 Total assets $ 766,169 $ 680,224 $ 260,398 $ (704,922 ) $ 1,001,869 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 4,162 $ 56,246 $ 2,391 $ — $ 62,799 Intercompany payables — 247,094 75,578 (322,672 ) — Deferred tax liabilities, net (377 ) 26,608 (478 ) — 25,753 Long-term debt 487,816 — 150,933 — 638,749 Total liabilities 491,601 329,948 228,424 (322,672 ) 727,301 Commitments and contingencies Stockholders' equity 274,568 350,276 31,974 (382,250 ) 274,568 Total liabilities and stockholders' equity $ 766,169 $ 680,224 $ 260,398 $ (704,922 ) $ 1,001,869 CONDENSED CONSOLIDATING BALANCE SHEETS As of December 31, 2017 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ 12,183 $ 54,659 $ 1,842 $ — $ 68,684 Restricted cash — 7,764 21,696 — 29,460 Loans and finance receivables, net — 442,516 262,189 — 704,705 Income taxes receivable 114,494 (110,852 ) 450 — 4,092 Other receivables and prepaid expenses 833 20,731 2,253 — 23,817 Property and equipment, net — 47,965 560 — 48,525 Goodwill — 267,015 — — 267,015 Intangible assets, net — 4,325 — — 4,325 Investment in subsidiaries 388,538 63,956 — (452,494 ) — Intercompany receivable 354,457 — — (354,457 ) — Other assets 1,785 6,874 178 — 8,837 Total assets $ 872,290 $ 804,953 $ 289,168 $ (806,951 ) $ 1,159,460 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 10,336 $ 64,541 $ 2,246 $ — $ 77,123 Intercompany payables — 331,425 23,032 (354,457 ) — Deferred tax liabilities, net (140 ) 12,726 (478 ) — 12,108 Long-term debt 580,407 — 208,135 — 788,542 Total liabilities 590,603 408,692 232,935 (354,457 ) 877,773 Commitments and contingencies Stockholders' equity 281,687 396,261 56,233 (452,494 ) 281,687 Total liabilities and stockholders' equity $ 872,290 $ 804,953 $ 289,168 $ (806,951 ) $ 1,159,460
Condensed Consolidating Statements of Income and Comprehensive Income	CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended June 30, 2018 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 214,799 $ 36,790 $ 1,712 $ 253,301 Cost of Revenue — 100,528 20,966 — 121,494 Gross Profit — 114,271 15,824 1,712 131,807 Expenses Marketing — 28,553 833 — 29,386 Operations and technology — 26,730 (1,247 ) 1,712 27,195 General and administrative 56 27,581 658 — 28,295 Depreciation and amortization — 3,796 41 — 3,837 Total Expenses 56 86,660 285 1,712 88,713 (Loss) Income from Operations (56 ) 27,611 15,539 — 43,094 Interest expense, net (14,061 ) 3 (5,297 ) — (19,355 ) Foreign currency transaction loss (200 ) (4 ) — — (204 ) (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (14,317 ) 27,610 10,242 — 23,535 (Benefit from) provision for income taxes (3,210 ) 6,277 2,243 — 5,310 (Loss) Income before Equity in Net Earnings of Subsidiaries (11,107 ) 21,333 7,999 — 18,225 Net earnings of subsidiaries 29,332 7,999 — (37,331 ) — Net Income (Loss) $ 18,225 $ 29,332 $ 7,999 $ (37,331 ) $ 18,225 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (6,583 ) (6,270 ) (314 ) 6,584 (6,583 ) Total other comprehensive (loss) gain, net of tax (6,583 ) (6,270 ) (314 ) 6,584 (6,583 ) Comprehensive Income (Loss) $ 11,642 $ 23,062 $ 7,685 $ (30,747 ) $ 11,642 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended June 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 157,406 $ 33,744 $ (1,246 ) $ 189,904 Cost of Revenue — 58,517 21,345 — 79,862 Gross Profit — 98,889 12,399 (1,246 ) 110,042 Expenses Marketing — 22,890 520 — 23,410 Operations and technology — 20,237 1,581 — 21,818 General and administrative 86 25,455 1,950 (1,246 ) 26,245 Depreciation and amortization — 3,320 46 — 3,366 Total Expenses 86 71,902 4,097 (1,246 ) 74,839 (Loss) Income from Operations (86 ) 26,987 8,302 — 35,203 Interest expense, net (13,365 ) (29 ) (3,618 ) — (17,012 ) Foreign currency transaction gain 57 5 — — 62 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (13,394 ) 26,963 4,684 — 18,253 Provision for income taxes (4,673 ) 9,425 1,628 — 6,380 (Loss) Income before Equity in Net Earnings of Subsidiaries (8,721 ) 17,538 3,056 — 11,873 Net earnings of subsidiaries 20,594 3,056 — (23,650 ) — Net Income (Loss) $ 11,873 $ 20,594 $ 3,056 $ (23,650 ) $ 11,873 Other comprehensive gain (loss), net of tax: Foreign currency translation gain (loss) 1,371 2,383 (1,012 ) (1,371 ) 1,371 Total other comprehensive gain (loss), net of tax 1,371 2,383 (1,012 ) (1,371 ) 1,371 Comprehensive Income (Loss) $ 13,244 $ 22,977 $ 2,044 $ (25,021 ) $ 13,244 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Six Months Ended June 30, 2018 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 429,533 $ 78,066 $ — $ 507,599 Cost of Revenue — 183,757 46,290 — 230,047 Gross Profit — 245,776 31,776 — 277,552 Expenses Marketing — 55,530 1,592 — 57,122 Operations and technology 3 51,080 1,650 — 52,733 General and administrative 132 53,061 2,023 — 55,216 Depreciation and amortization — 7,590 85 — 7,675 Total Expenses 135 167,261 5,350 — 172,746 (Loss) Income from Operations (135 ) 78,515 26,426 — 104,806 Interest expense, net (28,005 ) (445 ) (10,578 ) — (39,028 ) Foreign currency transaction gain (loss) 55 (2,347 ) — — (2,292 ) Loss on early extinguishment of debt (4,710 ) — — — (4,710 ) (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (32,795 ) 75,723 15,848 — 58,776 (Benefit from) provision for income taxes (7,060 ) 16,302 3,411 — 12,653 (Loss) Income before Equity in Net Earnings of Subsidiaries (25,735 ) 59,421 12,437 — 46,123 Net earnings of subsidiaries 71,858 12,437 — (84,295 ) — Net Income (Loss) $ 46,123 $ 71,858 $ 12,437 $ (84,295 ) $ 46,123 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (2,197 ) (3,773 ) (47 ) 3,820 (2,197 ) Reclassification of certain deferred tax effects (1,622 ) — — — (1,622 ) Total other comprehensive (loss) gain, net of tax (3,819 ) (3,773 ) (47 ) 3,820 (3,819 ) Comprehensive Income (Loss) $ 42,304 $ 68,085 $ 12,390 $ (80,475 ) $ 42,304 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Six Months Ended June 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 318,173 $ 66,528 $ (2,534 ) $ 382,167 Cost of Revenue — 117,932 43,814 — 161,746 Gross Profit — 200,241 22,714 (2,534 ) 220,421 Expenses Marketing — 42,263 730 — 42,993 Operations and technology — 42,179 3,170 — 45,349 General and administrative 134 50,314 4,027 (2,534 ) 51,941 Depreciation and amortization — 6,775 88 — 6,863 Total Expenses 134 141,531 8,015 (2,534 ) 147,146 (Loss) Income from Operations (134 ) 58,710 14,699 — 73,275 Interest expense, net (26,542 ) (64 ) (7,628 ) — (34,234 ) Foreign currency transaction gain 284 5 — — 289 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (26,392 ) 58,651 7,071 — 39,330 (Benefit from) provision for income taxes (9,129 ) 20,288 2,446 — 13,605 (Loss) Income before Equity in Net Earnings of Subsidiaries (17,263 ) 38,363 4,625 — 25,725 Net earnings of subsidiaries 42,988 4,625 — (47,613 ) — Net Income (Loss) $ 25,725 $ 42,988 $ 4,625 $ (47,613 ) $ 25,725 Other comprehensive gain (loss), net of tax: Foreign currency translation gain (loss) 2,509 2,893 (384 ) (2,509 ) 2,509 Total other comprehensive gain (loss), net of tax 2,509 2,893 (384 ) (2,509 ) 2,509 Comprehensive Income (Loss) $ 28,234 $ 45,881 $ 4,241 $ (50,122 ) $ 28,234
Condensed Consolidating Statements of Cash Flows	CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Six Months Ended June 30, 2018 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ (13,091 ) $ 333,840 $ (12,596 ) $ (12,437 ) $ 295,716 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (786,788 ) — — (786,788 ) Securitized loans transferred — 120,727 (120,727 ) — — Loans and finance receivables repaid — 329,932 180,306 — 510,238 Purchases of property and equipment — (6,997 ) (68 ) — (7,065 ) Capital contributions to subsidiaries — 15,888 — (15,888 ) — Other investing activities — 42 — — 42 Net cash (used in) provided by investing activities — (327,196 ) 59,511 (15,888 ) (283,573 ) Cash Flows from Financing Activities (Payments for) proceeds from member's equity — (12,437 ) (15,888 ) 28,325 — Debt issuance costs paid (360 ) — — — (360 ) Debt prepayment penalty (3,656 ) — — — (3,656 ) Payment of promissory note — (3,000 ) — — (3,000 ) Treasury shares purchased (1,522 ) — — — (1,522 ) Repayments of Senior Notes (50,000 ) — — — (50,000 ) Borrowings under revolving line of credit 77,000 — — — 77,000 Repayments under revolving line of credit (24,001 ) — — — (24,001 ) Borrowings under securitization facility — — 80,300 — 80,300 Repayments under securitization facility — — (112,647 ) — (112,647 ) Proceeds from exercise of stock options 4,287 — — — 4,287 Net cash provided (used in) by financing activities 1,748 (15,437 ) (48,235 ) 28,325 (33,599 ) Effect of exchange rates on cash, cash equivalents and restricted cash — (561 ) 150 — (411 ) Net decrease in cash, cash equivalents and restricted cash (11,343 ) (9,354 ) (1,170 ) — (21,867 ) Cash, cash equivalents and restricted cash at beginning of year 12,183 62,423 23,538 — 98,144 Cash, cash equivalents and restricted cash at end of period $ 840 $ 53,069 $ 22,368 $ — $ 76,277 CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Six Months Ended June 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 672 $ 203,382 $ (10,877 ) $ (7,119 ) $ 186,058 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (592,766 ) (14,666 ) — (607,432 ) Securitized loans transferred — 98,610 (98,610 ) — — Loans and finance receivables repaid — 311,931 130,770 — 442,701 Purchases of property and equipment — (5,148 ) (153 ) — (5,301 ) Capital contributions to subsidiaries — (7,510 ) — 7,510 — Other investing activities — 1,482 — — 1,482 Net cash (used in) provided by investing activities — (193,401 ) 17,341 7,510 (168,550 ) Cash Flows from Financing Activities (Payments for) proceeds from member's equity — (7,119 ) 7,510 (391 ) — Debt issuance costs paid — (1,797 ) — — (1,797 ) Treasury shares purchased (672 ) — — — (672 ) Borrowings under securitization facility — — 65,600 — 65,600 Repayments under securitization facility — — (79,031 ) — (79,031 ) Net cash used in financing activities (672 ) (8,916 ) (5,921 ) (391 ) (15,900 ) Effect of exchange rates on cash — 5,169 (172 ) — 4,997 Net increase in cash, cash equivalents and restricted cash — 6,234 371 — 6,605 Cash, cash equivalents and restricted cash at beginning of year — 42,895 23,345 — 66,240 Cash, cash equivalents and restricted cash at end of period $ — $ 49,129 $ 23,716 $ — $ 72,845

Significant Accounting Polici37

Significant Accounting Policies - Schedule of Reconciliation of Cash, Cash Equivalents and Restricted Cash (Detail) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017	Jun. 30, 2017	Dec. 31, 2016
Accounting Policies [Abstract]
Cash and cash equivalents	$ 47,414	$ 68,684	$ 46,209
Restricted cash	28,863	29,460	26,636
Total cash, cash equivalents and restricted cash	$ 76,277	$ 98,144	$ 72,845	$ 66,240

Significant Accounting Polici38

Significant Accounting Policies - Additional Information (Detail) - USD ($)	3 Months Ended	6 Months Ended
	Mar. 31, 2018	Jun. 30, 2018	Jun. 30, 2017
Significant Accounting Policies [Line Items]
Goodwill impairment loss		$ 0
Corporate income tax rate		21.00%	35.00%
Accounting Standards Update 2018-02
Significant Accounting Policies [Line Items]
Reclassification of accumulated other comprehensive income to beginning retained earnings	$ 1,600,000
Accounting Standards Update 2016-18
Significant Accounting Policies [Line Items]
Increase in net cash used in investing activities			$ 13,000
Increase in effect of exchange rates on cash			$ 300,000
Australia and Canada
Significant Accounting Policies [Line Items]
Foreign currency translation (loss) gain	$ 2,300,000

Acquisitions - Additional Infor

Acquisitions - Additional Information (Detail) - USD ($)	Jun. 23, 2015	Jun. 30, 2017	Dec. 31, 2017	Dec. 31, 2016
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
Total consideration paid			$ 0
Change in fair value measurement of contingent consideration		$ 0		$ 3,300,000
Maximum
Business Acquisition [Line Items]
Total consideration paid	$ 71,000,000

Loans and Finance Receivables40

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		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 253,019	$ 189,657	$ 506,811	$ 381,622
Other	282	247	788	545
Total revenue	253,301	189,904	507,599	382,167
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	50,312	46,776	103,687	94,199
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	79,658	58,824	157,967	118,283
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 123,049	$ 84,057	$ 245,157	$ 169,140

Loans and Finance Receivables41

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	6 Months Ended
	Jun. 30, 2018	Dec. 31, 2017	Jun. 30, 2017
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	$ 28.7	$ 34.1	$ 28
Accrual for losses on consumer loan guaranty obligations	$ 2.1	$ 2.3	$ 1.9
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 Receivables42

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		Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016
Accounts Notes And Loans Receivable [Line Items]
Current receivables		$ 788,948		$ 744,256	$ 589,869
Delinquent payment amounts	[1]	9,025		11,331	5,453
Receivables on non-accrual status		73,942		72,162	52,513
Total delinquent receivables		82,967		83,493	57,966
Total loans and finance receivables, gross		871,915		827,749	647,835
Less: Allowance for losses		(121,784)	$ (114,283)	(123,044)	(83,839)	$ (83,254)	$ (98,945)
Loans and finance receivables, net		750,131		704,705	563,996
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Current receivables		40,443		45,552	39,213
Receivables on non-accrual status		26,812		28,120	22,352
Total delinquent receivables		26,812		28,120	22,352
Total loans and finance receivables, gross		67,255		73,672	61,565
Less: Allowance for losses		(18,861)	(19,136)	(19,917)	(15,688)	(15,161)	(17,770)
Loans and finance receivables, net		48,394		53,755	45,877
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Current receivables		172,755		161,070	125,953
Delinquent payment amounts	[1]	6,917		7,696	2,983
Receivables on non-accrual status		1,462		1,302	5,218
Total delinquent receivables		8,379		8,998	8,201
Total loans and finance receivables, gross		181,134		170,068	134,154
Less: Allowance for losses		(31,050)	(27,120)	(31,148)	(22,847)	(21,765)	(26,594)
Loans and finance receivables, net		150,084		138,920	111,307
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Current receivables		575,750		537,634	424,703
Delinquent payment amounts	[1]	2,108		3,635	2,470
Receivables on non-accrual status		45,668		42,740	24,943
Total delinquent receivables		47,776		46,375	27,413
Total loans and finance receivables, gross		623,526		584,009	452,116
Less: Allowance for losses		(71,873)	$ (68,027)	(71,979)	(45,304)	$ (46,328)	$ (54,581)
Loans and finance receivables, net		$ 551,653		$ 512,030	$ 406,812
[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 Receivables43

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		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	$ 114,283	$ 83,254	$ 123,044	$ 98,945
Cost of revenue	120,812	79,108	230,213	161,801
Charge-offs	(135,913)	(97,594)	(278,411)	(215,759)
Recoveries	24,128	18,826	47,921	38,177
Effect of foreign currency translation	(1,526)	245	(983)	675
Balance at end of period	121,784	83,839	121,784	83,839
Liability for third-party lender-owned loans
Balance at beginning of period	1,410	1,187	2,258	1,996
Increase (decrease) in liability	682	754	(166)	(55)
Balance at end of period	2,092	1,941	2,092	1,941
Short-term Loans
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	19,136	15,161	19,917	17,770
Cost of revenue	19,764	15,867	40,931	32,141
Charge-offs	(25,615)	(21,062)	(54,100)	(45,441)
Recoveries	5,989	5,523	12,261	10,927
Effect of foreign currency translation	(413)	199	(148)	291
Balance at end of period	18,861	15,688	18,861	15,688
Liability for third-party lender-owned loans
Balance at beginning of period	1,261	1,044	2,105	1,716
Increase (decrease) in liability	622	717	(222)	45
Balance at end of period	1,883	1,761	1,883	1,761
Line of Credit Accounts
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	27,120	21,765	31,148	26,594
Cost of revenue	31,211	19,868	56,594	39,699
Charge-offs	(30,554)	(22,080)	(63,361)	(50,544)
Recoveries	3,273	3,294	6,669	7,098
Balance at end of period	31,050	22,847	31,050	22,847
Installment Loans and RPAs
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	68,027	46,328	71,979	54,581
Cost of revenue	69,837	43,373	132,688	89,961
Charge-offs	(79,744)	(54,452)	(160,950)	(119,774)
Recoveries	14,866	10,009	28,991	20,152
Effect of foreign currency translation	(1,113)	46	(835)	384
Balance at end of period	71,873	45,304	71,873	45,304
Liability for third-party lender-owned loans
Balance at beginning of period	149	143	153	280
Increase (decrease) in liability	60	37	56	(100)
Balance at end of period	$ 209	$ 180	$ 209	$ 180

Investment in Unconsolidated 44

Investment in Unconsolidated Investee - Additional information (Detail) - USD ($)	6 Months Ended
	Jun. 30, 2018	Dec. 31, 2017	Jun. 30, 2017
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	Jun. 30, 2018	Dec. 31, 2017	Jun. 30, 2017
Debt Instrument [Line Items]
Securitization notes	$ 179,059	$ 211,406	$ 151,987
Subtotal	775,236	803,964	648,016
Less: Long-term debt issuance costs	(12,405)	(15,422)	(9,267)
Total long-term debt	762,831	788,542	638,749
9.75% Senior Notes Due 2021
Debt Instrument [Line Items]
Senior notes	293,178	342,558	$ 496,029
8.50% Senior Notes Due 2024
Debt Instrument [Line Items]
Senior notes	250,000	$ 250,000
Revolving Line of Credit
Debt Instrument [Line Items]
Revolving line of credit	$ 52,999

Long-term Debt - Summary of L46

Long-term Debt - Summary of Long-Term Debt Instruments and Balances Outstanding (Parenthetical) (Detail)	May 30, 2014	Jun. 30, 2018	Jun. 30, 2017	Dec. 31, 2017	Sep. 01, 2017
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	Jun. 1, 2021
8.50% Senior Notes Due 2024
Debt Instrument [Line Items]
Debt instrument, interest rate		8.50%		8.50%	8.50%
Debt instrument, maturity date		Sep. 1, 2024		Sep. 1, 2024

Long-term Debt - Additional Inf

Long-term Debt - Additional Information (Detail) - USD ($)	Apr. 13, 2018	Oct. 20, 2017	Sep. 01, 2017	Jun. 30, 2017	Dec. 14, 2016	Dec. 01, 2016	May 30, 2014	Jun. 30, 2018	Jun. 30, 2017	Dec. 31, 2017
Debt Instrument [Line Items]
Carrying amount of securitization notes				$ 151,987,000				$ 179,059,000	$ 151,987,000	$ 211,406,000
Loss on early extinguishment of debt								$ 4,710,000
Weighted average interest rates				10.72%				10.06%	10.72%
Revolving Line of Credit
Debt Instrument [Line Items]
Revolving line of credit								$ 52,999,000
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		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%
Carrying amount of senior notes								$ 243,300,000		$ 242,800,000
Unamortized debt issuance cost								$ 6,700,000		7,200,000
Debt issuance cost, amortization period								7 years
Interest expense recognized								$ 11,200,000
Non-cash amortization of debt issuance costs								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]
Unamortized debt issuance cost				$ 1,100,000				$ 2,100,000	$ 1,100,000	3,300,000
Debt issuance cost, amortization period								3 years
Interest expense recognized								$ 10,000,000	7,500,000
Non-cash amortization of debt issuance costs								1,100,000	800,000
Maximum principal amount of securitization facility					$ 275,000,000
Variable funding note maximum principal amount per month					$ 30,000,000
Maturity period of revolving facility					2017-10
Carrying amount of securitization notes				138,800,000				$ 161,800,000	138,800,000	193,000,000
2017 Securitization Notes
Debt Instrument [Line Items]
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
2017 Securitization Notes | Minimum
Debt Instrument [Line Items]
Aggregate availability of variable funding notes		75,000,000
2017 Securitization Notes | Maximum
Debt Instrument [Line Items]
Aggregate availability of variable funding notes		90,000,000
2016-2 Facility
Debt Instrument [Line Items]
Debt issuance cost, amortization period								36 months
Interest expense recognized								$ 1,100,000	900,000
Carrying amount of securitization notes				12,100,000				15,100,000	12,100,000	15,100,000
Date at Issuer not permitted to prepay or redeem any outstanding securitization notes prior						Oct. 1, 2018
Debt issuance cost				200,000				$ 200,000	200,000	200,000
2016-2 Facility | LIBOR
Debt Instrument [Line Items]
Debt instrument, effective percentage						12.50%
2016-2 Facility | Redpoint Capital Asset Funding, LLC
Debt Instrument [Line Items]
Annual percentage rate for securitized consumer loan						90.00%
Amendment of 2017 Credit Agreement | Pacific Western Bank and Green Bank, N.A.
Debt Instrument [Line Items]
Maximum borrowing capacity	$ 75,000,000
Credit agreement, maturity date	May 1, 2020
2017 Revolving Credit Facility Due 2020 | Green Bank, N.A.
Debt Instrument [Line Items]
Debt issuance cost, amortization period								34 months
Debt issuance cost								$ 2,500,000
Maximum borrowing capacity				$ 40,000,000					40,000,000
Credit agreement, maturity date				May 1, 2020
Revolving line of credit				$ 0				$ 53,000,000	0	0
2017 Revolving Credit Facility Due 2020 | Green Bank, N.A. | Revolving Line of Credit
Debt Instrument [Line Items]
Debt instrument, effective percentage								6.00%
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				$ 6,000,000				$ 7,600,000	$ 6,000,000	$ 8,000,000
2017 Revolving Credit Facility Due 2020 | Green Bank, N.A. | Prime Rate
Debt Instrument [Line Items]
Debt instrument, basis spread on variable rate				1.00%
2017 Revolving Credit Facility Due 2020 | Minimum | Green Bank, N.A.
Debt Instrument [Line Items]
Commitment fee percentage				0.30%
2017 Revolving Credit Facility Due 2020 | Maximum | Green Bank, N.A.
Debt Instrument [Line Items]
Commitment fee percentage				0.50%
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	Jun. 1, 2021
Debt instrument, interest rate				9.75%			9.75%	9.75%	9.75%	9.75%
Debt instrument, effective percentage							10.00%
Carrying amount of senior notes				$ 487,800,000				$ 289,600,000	$ 487,800,000	$ 337,600,000
Unamortized debt issuance cost				8,200,000				$ 3,600,000	8,200,000	4,900,000
Debt issuance cost, amortization period								7 years
Interest expense recognized								$ 15,600,000	25,800,000
Non-cash amortization of debt issuance costs								600,000	1,000,000
Debt instrument, repurchase of principal amount								50,000,000
Aggregate cash consideration paid for repurchase of principal amount with accrued interest								53,700,000
Loss on early extinguishment of debt								4,700,000
Loss on early extinguishment of debt, net of tax								3,700,000
Debt instrument unamortized discount				$ 4,000,000				1,800,000	4,000,000	$ 2,400,000
Non-cash amortization discount								$ 300,000	$ 400,000
Initial Term Note | 2017 Securitization Notes
Debt Instrument [Line Items]
Debt instrument, face amount		$ 181,100,000
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

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail)	6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017
Income Tax Disclosure [Abstract]
Effective tax rate	21.50%	34.60%
Federal statutory rate	21.00%	35.00%

Accumulated Other Comprehensi49

Accumulated Other Comprehensive Loss - Schedule of Components of Accumulated Other Comprehensive Income (Loss), Net of Tax (Detail) - USD ($) $ in Thousands		6 Months Ended
		Jun. 30, 2018	Jun. 30, 2017
Accumulated Other Comprehensive Income Loss [Line Items]
Balance		$ 281,687	$ 241,699
Other comprehensive income (loss), before reclassifications and tax		(4,850)	3,927
Tax impact		1,091	(1,418)
Australia and Canada liquidation	[1]	2,343
Tax impact		(781)
Reclassification of certain deferred tax effects	[2]	(1,622)
Balance		333,645	274,568
Foreign Currency Translation Gain (Loss)
Accumulated Other Comprehensive Income Loss [Line Items]
Balance		(7,086)	(11,578)
Other comprehensive income (loss), before reclassifications and tax		(4,850)	3,927
Tax impact		1,091	(1,418)
Australia and Canada liquidation	[1]	2,343
Tax impact		(781)
Reclassification of certain deferred tax effects	[2]	(1,622)
Balance		(10,905)	(9,069)
Accumulated Other Comprehensive Loss
Accumulated Other Comprehensive Income Loss [Line Items]
Balance		(7,086)	(11,578)
Other comprehensive income (loss), before reclassifications and tax			3,927
Reclassification of certain deferred tax effects		1,622
Balance		$ (10,905)	$ (9,069)
[1]	Amount reclassified from accumulated other comprehensive loss represents the realization of foreign currency translation losses on the Company’s Australia and Canada businesses for the six months ended June 30, 2018. These amounts were recorded in “Foreign currency transaction (loss) gain” on the consolidated statements of income. See Note 1 for additional information.
[2]	Amount reclassified from accumulated other comprehensive loss represents stranded tax effects resulting from the newly enacted federal corporate income tax rate under the Tax Cuts and Jobs Act. The amount of the reclassification is the difference between the historical corporate income tax rate and the newly enacted 21 percent corporate income tax rate. These amounts were recorded to retained earnings on the consolidated balance sheets. See Note 1 for additional information.

Accumulated Other Comprehensi50

Accumulated Other Comprehensive Loss - Schedule of Components of Accumulated Other Comprehensive Income (Loss), Net of Tax (Parenthetical) (Detail)	6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017
Equity [Abstract]
Corporate income tax rate	21.00%	35.00%

Earnings Per Share - Schedule o

Earnings Per Share - Schedule of Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Share Computations (Detail) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Numerator:
Net income	$ 18,225	$ 11,873	$ 46,123	$ 25,725
Denominator:
Total weighted average basic shares	33,984	33,553	33,821	33,463
Shares applicable to stock-based compensation	1,387	572	1,145	618
Total weighted average diluted shares	35,371	34,125	34,966	34,081
Earnings Per Share:
Net income per share – basic	$ 0.54	$ 0.35	$ 1.36	$ 0.77
Net income per share – diluted	$ 0.52	$ 0.35	$ 1.32	$ 0.75

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options not included in computation of diluted earnings per share	0	1,640,484	595,872	1,503,370
Restricted stock units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options not included in computation of diluted earnings per share	2,479	193,156	149,268	331,326

Operating Segment Information -

Operating Segment Information - Additional Information (Detail) $ in Thousands	6 Months Ended
	Jun. 30, 2018USD ($)Segment	Dec. 31, 2017USD ($)	Jun. 30, 2017USD ($)
Segment Reporting [Abstract]
Number of reportable segment | Segment	1
Property and equipment, net | $	$ 47,752	$ 48,525	$ 44,329

Operating Segment Information54

Operating Segment Information - Summary of Domestic, International Operations and Corporate Services (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017	Dec. 31, 2017
Revenues [Abstract]
Revenue	$ 253,301	$ 189,904	$ 507,599	$ 382,167
Income from operations [Abstract]
Income from operations	43,094	35,203	104,806	73,275
Depreciation and amortization [Abstract]
Depreciation and amortization	3,837	3,366	7,675	6,863
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	3,716	3,145	7,065	5,301
Property and equipment, net [Abstract]
Property and equipment, net	47,752	44,329	47,752	44,329	$ 48,525
Assets
Assets	1,183,204	1,001,869	1,183,204	1,001,869	$ 1,159,460
Domestic
Revenues [Abstract]
Revenue	213,638	158,073	426,604	322,742
Income from operations [Abstract]
Income from operations	72,183	58,565	159,942	120,635
Depreciation and amortization [Abstract]
Depreciation and amortization	1,897	1,532	3,755	3,058
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	2,214	1,429	4,204	2,040
Property and equipment, net [Abstract]
Property and equipment, net	17,783	19,872	17,783	19,872
Assets
Assets	996,105	820,156	996,105	820,156
International
Revenues [Abstract]
Revenue	39,663	31,831	80,995	59,425
Income from operations [Abstract]
Income from operations	1,070	3,728	2,788	5,922
Depreciation and amortization [Abstract]
Depreciation and amortization	371	361	743	740
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	886	1,035	1,954	2,120
Property and equipment, net [Abstract]
Property and equipment, net	8,357	6,364	8,357	6,364
Assets
Assets	127,613	115,535	127,613	115,535
Corporate Services
Income from operations [Abstract]
Income from operations	(30,159)	(27,090)	(57,924)	(53,282)
Depreciation and amortization [Abstract]
Depreciation and amortization	1,569	1,473	3,177	3,065
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	616	681	907	1,141
Property and equipment, net [Abstract]
Property and equipment, net	21,612	18,093	21,612	18,093
Assets
Assets	$ 59,486	$ 66,178	$ 59,486	$ 66,178

Operating Segment Information55

Operating Segment Information - Summary of Company's Revenue by Geographical Region (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Revenues [Abstract]
Revenue	$ 253,301	$ 189,904	$ 507,599	$ 382,167
United States
Revenues [Abstract]
Revenue	213,638	158,073	426,604	322,742
United Kingdom
Revenues [Abstract]
Revenue	34,010	27,406	68,999	51,849
Other International Countries
Revenues [Abstract]
Revenue	$ 5,653	$ 4,425	$ 11,996	$ 7,576

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 Contingencies57

Commitments and Contingencies - Exit and Disposal Activity and Liability Balances (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2017USD ($)
Lease Termination Costs
Commitments And Contingencies [Line Items]
Beginning Balance	$ 637
Payments	(554)
Adjustments	(83)
Other Exit Costs
Commitments And Contingencies [Line Items]
Beginning Balance	135
Payments	(9)
Adjustments	(126)
Lease Termination Costs and Other Exit Costs
Commitments And Contingencies [Line Items]
Beginning Balance	772
Payments	(563)
Adjustments	$ (209)

Derivative Instruments - Additi

Derivative Instruments - Additional Information (Details) - USD ($)	Jun. 30, 2018	Jun. 30, 2017
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Outstanding derivative instruments	$ 0	$ 0

Derivative Instruments - Fair V

Derivative Instruments - Fair Values of Derivative Instruments (Detail) - Non-Designated Derivatives - Forward Currency Exchange Contracts $ in Thousands	Dec. 31, 2017USD ($)
Derivatives Fair Value [Line Items]
Derivative Liabilities, Notional Amount	$ 12,039
Gross Amounts of Recognized Financial Instruments, Liabilities	55
Net Amounts of Assets Presented in the Consolidated Balance, Liabilities	$ 55	[1]
[1]	Represents the fair value of forward currency contracts, which is recorded in “Accounts payable and accrued expenses” in the consolidated balance sheets.

Derivative Instruments - Fair60

Derivative Instruments - Fair Values of Derivative Instruments (Parenthetical) (Detail) - Non-Designated Derivatives - Forward Currency Exchange Contracts	Dec. 31, 2017USD ($)
Derivatives Fair Value [Line Items]
Gross amounts of recognized derivative instruments	$ 0
Derivative asset, fair value of collateral	0
Amount of derivative assets	0
Amount of derivative liabilities	$ 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	6 Months Ended
	Jun. 30, 2018USD ($)
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income	$ 243
Forward Currency Exchange Contracts
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income	$ 243	[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	Jun. 22, 2018	Jun. 30, 2018	Jun. 30, 2017	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
Repayments of outstanding principal and accrued interest	$ 3,400
Promissory note maturity date		Jun. 22, 2018
Interest expense related to promissory note		$ 62	$ 63
Transition services agreement fee income		$ 20	$ 14
Debt instrument, interest rate		4.00%
Transition services agreement period		3 years
Marketing Services Company
Related Party Transaction [Line Items]
Amount paid to related party		$ 4,000
Due to related party		$ 1,100

Variable Interest Entities - Su

Variable Interest Entities - Summary of Carrying Amounts of Consolidated VIE Assets and Liabilities (Detail) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017	Jun. 30, 2017
Assets
Restricted cash	$ 28,863	$ 29,460	$ 26,636
Loans and finance receivables, net	750,131	704,705	563,996
Other receivables and prepaid expenses	25,373	23,817	22,006
Other assets	9,862	8,837	13,406
Liabilities
Accounts payable and accrued expenses	72,406	77,123	62,799
Long-term debt	762,831	788,542	638,749
Variable Interest Entity, Primary Beneficiary
Assets
Restricted cash	21,744	21,696	19,119
Loans and finance receivables, net	236,953	259,996	223,372
Other receivables and prepaid expenses	8		3
Other assets	132	178	2,190
Total assets	258,837	281,870	244,684
Liabilities
Accounts payable and accrued expenses	1,489	1,671	1,433
Long-term debt	176,928	208,135	150,933
Total liabilities	$ 178,417	$ 209,806	$ 152,366

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Detail) - USD ($)	May 30, 2014	Jun. 30, 2018	Jun. 30, 2017	Dec. 31, 2017	Sep. 01, 2017
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
Accrual for losses on consumer loan guaranty obligations		2,100,000	$ 1,900,000	$ 2,300,000
Promissory note, outstanding balance		$ 0
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	Jun. 1, 2021
8.50% Senior Notes Due 2024
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan		7 years
Debt instrument, interest rate		8.50%		8.50%	8.50%
Debt instrument, maturity date		Sep. 1, 2024		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 Nonrecurring Member
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets fair value non-recurring		$ 0	$ 0	$ 0
Liabilities fair value non-recurring		$ 0	$ 0	$ 0

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Assets and Liabilities Measured on Recurring Basis (Detail) - USD ($) $ in Thousands		Jun. 30, 2018	Dec. 31, 2017	Jun. 30, 2017	Dec. 31, 2016	Jun. 23, 2015
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration				$ (2,358)	$ (2,358)	$ (5,700)
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration				(2,358)	$ (2,358)
Fair Value, Measurements, Recurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Forward currency exchange contracts			$ (55)
Non-qualified savings plan assets	[1]	$ 2,093	1,460	1,387
Contingent consideration				(2,358)
Total		2,093	1,405	(971)
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]	2,093	1,460	1,387
Total		$ 2,093	1,460	1,387
Fair Value, Measurements, Recurring | Level 2
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Forward currency exchange contracts			(55)
Total			$ (55)
Fair Value, Measurements, Recurring | Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration				(2,358)
Total				$ (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 Measurements - Fai66

Fair Value Measurements - Fair Value Measurement for Contingent Consideration (Detail) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2017	Dec. 31, 2016
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration, Beginning balance	$ 2,358
Contingent consideration, Adjustments	0	$ 3,300
Contingent consideration, Ending balance	2,358	2,358
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration, Beginning balance	2,358
Contingent consideration, Adjustments	0
Contingent consideration, Ending balance	$ 2,358	$ 2,358

Fair Value Measurements - Finan

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Detail) - USD ($) $ in Thousands		Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		$ 2,092	$ 1,410	$ 2,258	$ 1,941	$ 1,187	$ 1,996
Carrying Value
Financial assets:
Cash and cash equivalents		47,414		68,684	46,209
Short-term loans and line of credit accounts, net	[1]	198,478		192,675	157,184
Installment loans and RPAs, net	[1],[2]	551,653		512,030	406,812
Restricted cash	[3]	28,863		29,460	26,636
Investment in unconsolidated investee	[4],[5]	6,703		6,703	6,703
Total		833,111		809,552	643,544
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		2,092		2,258	1,941
Promissory note				3,000	3,000
Revolving line of credit		52,999
Securitization Notes		179,059		211,406	151,987
Total		777,328		809,222	652,957
Carrying Value | 9.75% Senior Notes Due 2021
Financial liabilities:
Senior notes		293,178		342,558	496,029
Carrying Value | 8.50% Senior Notes Due 2024
Financial liabilities:
Senior notes		250,000		250,000
Level 1 | Estimated Fair Value
Financial assets:
Cash and cash equivalents		47,414		68,684	46,209
Restricted cash	[3]	28,863		29,460	26,636
Total		76,277		98,144	72,845
Level 2 | Estimated Fair Value
Financial liabilities:
Securitization Notes		181,853		215,063	153,812
Total		751,519		835,763	672,667
Level 2 | Estimated Fair Value | 9.75% Senior Notes Due 2021
Financial liabilities:
Senior notes		310,488		365,700	518,855
Level 2 | Estimated Fair Value | 8.50% Senior Notes Due 2024
Financial liabilities:
Senior notes		259,178		255,000
Level 3 | Estimated Fair Value
Financial assets:
Short-term loans and line of credit accounts, net	[1]	198,478		192,675	157,184
Installment loans and RPAs, net	[1],[2]	578,489		544,799	441,701
Investment in unconsolidated investee	[4],[5]	6,703		6,703	6,703
Total		783,670		744,177	605,588
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		2,092		2,258	1,941
Promissory note				3,287	3,202
Revolving line of credit		52,999
Total		$ 55,091		$ 5,545	$ 5,143
[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 $237.0 million, $223.4 million and $260.0 million in net assets of consolidated VIEs as of June 30, 2018 and 2017 and December 31, 2017, respectively.
[3]	Restricted cash includes $21.7 million, $19.1 million and $21.7 million in assets of consolidated VIEs as of June 30, 2018 and 2017 and December 31, 2017, 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 - Fin68

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Parenthetical) (Detail) - USD ($) $ in Millions	May 30, 2014	Jun. 30, 2018	Jun. 30, 2017	Dec. 31, 2017	Sep. 01, 2017
Variable Interest Entity, Primary Beneficiary
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Installment loans and RPAs, net		$ 237	$ 223.4	$ 260
Restricted cash		$ 21.7	$ 19.1	$ 21.7
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	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%	8.50%
Debt instrument, maturity date		Sep. 1, 2024		Sep. 1, 2024

Condensed Consolidating Finan69

Condensed Consolidating Financial Statements - Additional Information (Detail)	Jun. 30, 2018
Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Percentage of ownership	100.00%

Condensed Consolidating Finan70

Condensed Consolidating Financial Statements - Condensed Consolidating Balance Sheets - (Detail) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017	Jun. 30, 2017	Dec. 31, 2016
Assets
Cash and cash equivalents	$ 47,414	$ 68,684	$ 46,209
Restricted cash	28,863	29,460	26,636
Loans and finance receivables, net	750,131	704,705	563,996
Income taxes receivable	3,006	4,092	13,410
Other receivables and prepaid expenses	25,373	23,817	22,006
Property and equipment, net	47,752	48,525	44,329
Goodwill	267,013	267,015	267,012
Intangible assets, net	3,790	4,325	4,865
Other assets	9,862	8,837	13,406
Total assets	1,183,204	1,159,460	1,001,869
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	72,406	77,123	62,799
Deferred tax liabilities, net	14,322	12,108	25,753
Long-term debt	762,831	788,542	638,749
Total liabilities	849,559	877,773	727,301
Commitments and contingencies
Stockholders' equity	333,645	281,687	274,568	$ 241,699
Total liabilities and stockholders' equity	1,183,204	1,159,460	1,001,869
Parent
Assets
Cash and cash equivalents	840	12,183
Income taxes receivable	128,843	114,494	97,048
Other receivables and prepaid expenses	111	833	112
Investment in subsidiaries	454,886	388,538	342,490
Intercompany receivable	342,821	354,457	322,672
Other assets	1,810	1,785	3,847
Total assets	929,311	872,290	766,169
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	9,867	10,336	4,162
Deferred tax liabilities, net	(104)	(140)	(377)
Long-term debt	585,903	580,407	487,816
Total liabilities	595,666	590,603	491,601
Commitments and contingencies
Stockholders' equity	333,645	281,687	274,568
Total liabilities and stockholders' equity	929,311	872,290	766,169
Guarantor Subsidiaries
Assets
Cash and cash equivalents	45,950	54,659	41,612
Restricted cash	7,119	7,764	7,517
Loans and finance receivables, net	513,178	442,516	331,618
Income taxes receivable	(125,867)	(110,852)	(83,659)
Other receivables and prepaid expenses	24,387	20,731	20,450
Property and equipment, net	47,286	47,965	43,681
Goodwill	267,013	267,015	267,012
Intangible assets, net	3,790	4,325	4,864
Investment in subsidiaries	60,505	63,956	39,760
Other assets	7,921	6,874	7,369
Total assets	851,282	804,953	680,224
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	60,086	64,541	56,246
Intercompany payables	313,707	331,425	247,094
Deferred tax liabilities, net	14,833	12,726	26,608
Total liabilities	388,626	408,692	329,948
Commitments and contingencies
Stockholders' equity	462,656	396,261	350,276
Total liabilities and stockholders' equity	851,282	804,953	680,224
Non-Guarantor Subsidiaries
Assets
Cash and cash equivalents	624	1,842	4,597
Restricted cash	21,744	21,696	19,119
Loans and finance receivables, net	236,953	262,189	232,378
Income taxes receivable	30	450	21
Other receivables and prepaid expenses	875	2,253	1,444
Property and equipment, net	466	560	648
Intangible assets, net			1
Other assets	131	178	2,190
Total assets	260,823	289,168	260,398
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	2,453	2,246	2,391
Intercompany payables	29,114	23,032	75,578
Deferred tax liabilities, net	(407)	(478)	(478)
Long-term debt	176,928	208,135	150,933
Total liabilities	208,088	232,935	228,424
Commitments and contingencies
Stockholders' equity	52,735	56,233	31,974
Total liabilities and stockholders' equity	260,823	289,168	260,398
Eliminations
Assets
Investment in subsidiaries	(515,391)	(452,494)	(382,250)
Intercompany receivable	(342,821)	(354,457)	(322,672)
Total assets	(858,212)	(806,951)	(704,922)
Liabilities and Stockholders' Equity
Intercompany payables	(342,821)	(354,457)	(322,672)
Total liabilities	(342,821)	(354,457)	(322,672)
Commitments and contingencies
Stockholders' equity	(515,391)	(452,494)	(382,250)
Total liabilities and stockholders' equity	$ (858,212)	$ (806,951)	$ (704,922)

Condensed Consolidating Finan71

Condensed Consolidating Financial Statements - Condensed Consolidating Statements of Income and Comprehensive Income - (Detail) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Condensed Financial Statements Captions [Line Items]
Revenue		$ 253,301	$ 189,904	$ 507,599	$ 382,167
Cost of Revenue		121,494	79,862	230,047	161,746
Gross Profit		131,807	110,042	277,552	220,421
Expenses
Marketing		29,386	23,410	57,122	42,993
Operations and technology		27,195	21,818	52,733	45,349
General and administrative		28,295	26,245	55,216	51,941
Depreciation and amortization		3,837	3,366	7,675	6,863
Total Expenses		88,713	74,839	172,746	147,146
Income from Operations		43,094	35,203	104,806	73,275
Interest expense, net		(19,355)	(17,012)	(39,028)	(34,234)
Foreign currency transaction gain (loss)		(204)	62	(2,292)	289
Loss on early extinguishment of debt				(4,710)
Income before Income Taxes		23,535	18,253	58,776	39,330
(Benefit from) provision for income taxes		5,310	6,380	12,653	13,605
(Loss) Income before Equity in Net Earnings of Subsidiaries		18,225	11,873	46,123	25,725
Net Income		18,225	11,873	46,123	25,725
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain	[1]	(6,583)	1,371	(2,197)	2,509
Reclassification of certain deferred tax effects	[2]			(1,622)
Total other comprehensive (loss) gain, net of tax		(6,583)	1,371	(3,819)	2,509
Comprehensive Income		11,642	13,244	42,304	28,234
Parent
Expenses
Operations and technology				3
General and administrative		56	86	132	134
Total Expenses		56	86	135	134
Income from Operations		(56)	(86)	(135)	(134)
Interest expense, net		(14,061)	(13,365)	(28,005)	(26,542)
Foreign currency transaction gain (loss)		(200)	57	55	284
Loss on early extinguishment of debt				(4,710)
Income before Income Taxes		(14,317)	(13,394)	(32,795)	(26,392)
(Benefit from) provision for income taxes		(3,210)	(4,673)	(7,060)	(9,129)
(Loss) Income before Equity in Net Earnings of Subsidiaries		(11,107)	(8,721)	(25,735)	(17,263)
Net earnings of subsidiaries		29,332	20,594	71,858	42,988
Net Income		18,225	11,873	46,123	25,725
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain		(6,583)	1,371	(2,197)	2,509
Reclassification of certain deferred tax effects				(1,622)
Total other comprehensive (loss) gain, net of tax		(6,583)	1,371	(3,819)	2,509
Comprehensive Income		11,642	13,244	42,304	28,234
Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Revenue		214,799	157,406	429,533	318,173
Cost of Revenue		100,528	58,517	183,757	117,932
Gross Profit		114,271	98,889	245,776	200,241
Expenses
Marketing		28,553	22,890	55,530	42,263
Operations and technology		26,730	20,237	51,080	42,179
General and administrative		27,581	25,455	53,061	50,314
Depreciation and amortization		3,796	3,320	7,590	6,775
Total Expenses		86,660	71,902	167,261	141,531
Income from Operations		27,611	26,987	78,515	58,710
Interest expense, net		3	(29)	(445)	(64)
Foreign currency transaction gain (loss)		(4)	5	(2,347)	5
Income before Income Taxes		27,610	26,963	75,723	58,651
(Benefit from) provision for income taxes		6,277	9,425	16,302	20,288
(Loss) Income before Equity in Net Earnings of Subsidiaries		21,333	17,538	59,421	38,363
Net earnings of subsidiaries		7,999	3,056	12,437	4,625
Net Income		29,332	20,594	71,858	42,988
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain		(6,270)	2,383	(3,773)	2,893
Total other comprehensive (loss) gain, net of tax		(6,270)	2,383	(3,773)	2,893
Comprehensive Income		23,062	22,977	68,085	45,881
Non-Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Revenue		36,790	33,744	78,066	66,528
Cost of Revenue		20,966	21,345	46,290	43,814
Gross Profit		15,824	12,399	31,776	22,714
Expenses
Marketing		833	520	1,592	730
Operations and technology		(1,247)	1,581	1,650	3,170
General and administrative		658	1,950	2,023	4,027
Depreciation and amortization		41	46	85	88
Total Expenses		285	4,097	5,350	8,015
Income from Operations		15,539	8,302	26,426	14,699
Interest expense, net		(5,297)	(3,618)	(10,578)	(7,628)
Income before Income Taxes		10,242	4,684	15,848	7,071
(Benefit from) provision for income taxes		2,243	1,628	3,411	2,446
(Loss) Income before Equity in Net Earnings of Subsidiaries		7,999	3,056	12,437	4,625
Net Income		7,999	3,056	12,437	4,625
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain		(314)	(1,012)	(47)	(384)
Total other comprehensive (loss) gain, net of tax		(314)	(1,012)	(47)	(384)
Comprehensive Income		7,685	2,044	12,390	4,241
Eliminations
Condensed Financial Statements Captions [Line Items]
Revenue		1,712	(1,246)		(2,534)
Gross Profit		1,712	(1,246)		(2,534)
Expenses
Operations and technology		1,712
General and administrative			(1,246)		(2,534)
Total Expenses		1,712	(1,246)		(2,534)
Net earnings of subsidiaries		(37,331)	(23,650)	(84,295)	(47,613)
Net Income		(37,331)	(23,650)	(84,295)	(47,613)
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain		6,584	(1,371)	3,820	(2,509)
Total other comprehensive (loss) gain, net of tax		6,584	(1,371)	3,820	(2,509)
Comprehensive Income		$ (30,747)	$ (25,021)	$ (80,475)	$ (50,122)
[1]	Net of tax benefit (provision) of $1,911 and $(775) for the three months ended June 30, 2018 and 2017, respectively and $310 and $(1,418) for the six months ended June 30, 2018 and 2017, respectively
[2]	Amount reclassified from accumulated other comprehensive loss represents stranded tax effects resulting from the newly enacted federal corporate income tax rate under the Tax Cuts and Jobs Act. The amount of the reclassification is the difference between the historical corporate income tax rate and the newly enacted 21 percent corporate income tax rate. These amounts were recorded to retained earnings on the consolidated balance sheets. See Note 1 for additional information.

Condensed Consolidating Finan72

Condensed Consolidating Financial Statements - Condensed Consolidating Statements of Cash Flows - (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities			$ 295,716	$ 186,058
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired			(786,788)	(607,432)
Loans and finance receivables repaid			510,238	442,701
Purchases of property and equipment	$ (3,716)	$ (3,145)	(7,065)	(5,301)
Other investing activities			42	1,482
Net cash used in investing activities			(283,573)	(168,550)
Cash Flows from Financing Activities
Debt issuance costs paid			(360)	(1,797)
Debt prepayment penalty paid			(3,656)
Payment of promissory note			(3,000)
Treasury shares purchased			(1,522)	(672)
Repayments of senior notes			(50,000)
Borrowings under revolving line of credit			77,000
Repayments under revolving line of credit			(24,001)
Borrowings under securitization facility			80,300	65,600
Repayments under securitization facility			(112,647)	(79,031)
Proceeds from exercise of stock options			4,287
Net cash used in financing activities			(33,599)	(15,900)
Effect of exchange rates on cash, cash equivalents and restricted cash			(411)	4,997
Net (decrease) increase in cash, cash equivalents and restricted cash			(21,867)	6,605
Cash, cash equivalents and restricted cash at beginning of year			98,144	66,240
Cash, cash equivalents and restricted cash at end of period	76,277	72,845	76,277	72,845
Parent
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities			(13,091)	672
Cash Flows from Financing Activities
Debt issuance costs paid			(360)
Debt prepayment penalty paid			(3,656)
Treasury shares purchased			(1,522)	(672)
Repayments of senior notes			(50,000)
Borrowings under revolving line of credit			77,000
Repayments under revolving line of credit			(24,001)
Proceeds from exercise of stock options			4,287
Net cash used in financing activities			1,748	(672)
Net (decrease) increase in cash, cash equivalents and restricted cash			(11,343)
Cash, cash equivalents and restricted cash at beginning of year			12,183
Cash, cash equivalents and restricted cash at end of period	840		840
Guarantor Subsidiaries
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities			333,840	203,382
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired			(786,788)	(592,766)
Securitized loans transferred			120,727	98,610
Loans and finance receivables repaid			329,932	311,931
Purchases of property and equipment			(6,997)	(5,148)
Capital contributions to subsidiaries			15,888	(7,510)
Other investing activities			42	1,482
Net cash used in investing activities			(327,196)	(193,401)
Cash Flows from Financing Activities
(Payments for) proceeds from member's equity			(12,437)	(7,119)
Debt issuance costs paid				(1,797)
Payment of promissory note			(3,000)
Net cash used in financing activities			(15,437)	(8,916)
Effect of exchange rates on cash, cash equivalents and restricted cash			(561)	5,169
Net (decrease) increase in cash, cash equivalents and restricted cash			(9,354)	6,234
Cash, cash equivalents and restricted cash at beginning of year			62,423	42,895
Cash, cash equivalents and restricted cash at end of period	53,069	49,129	53,069	49,129
Non-Guarantor Subsidiaries
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities			(12,596)	(10,877)
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired				(14,666)
Securitized loans transferred			(120,727)	(98,610)
Loans and finance receivables repaid			180,306	130,770
Purchases of property and equipment			(68)	(153)
Net cash used in investing activities			59,511	17,341
Cash Flows from Financing Activities
(Payments for) proceeds from member's equity			(15,888)	7,510
Borrowings under securitization facility			80,300	65,600
Repayments under securitization facility			(112,647)	(79,031)
Net cash used in financing activities			(48,235)	(5,921)
Effect of exchange rates on cash, cash equivalents and restricted cash			150	(172)
Net (decrease) increase in cash, cash equivalents and restricted cash			(1,170)	371
Cash, cash equivalents and restricted cash at beginning of year			23,538	23,345
Cash, cash equivalents and restricted cash at end of period	$ 22,368	$ 23,716	22,368	23,716
Eliminations
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities			(12,437)	(7,119)
Cash Flows from Investing Activities
Capital contributions to subsidiaries			(15,888)	7,510
Net cash used in investing activities			(15,888)	7,510
Cash Flows from Financing Activities
(Payments for) proceeds from member's equity			28,325	(391)
Net cash used in financing activities			$ 28,325	$ (391)

Subsequent Events - Additional

Subsequent Events - Additional Information (Detail) - Subsequent Event - 2018-1 Facility - Pacific Western Bank	Jul. 23, 2018USD ($)
LIBOR
Subsequent Event [Line Items]
Debt instrument, effective percentage	4.00%
Debt instrument, frequency of periodic payment	monthly
Revolving Note
Subsequent Event [Line Items]
Debt instrument, initial maximum principal balance	$ 150,000,000
Debt instrument, maturity date	Jul. 22, 2023