CURO (CUROQ) 10-K 18 Mar 19 2018 FY Annual report Financial data

DOCUMENT AND ENTITY INFORMATION

DOCUMENT AND ENTITY INFORMATION - USD ($)	12 Months Ended
	Dec. 31, 2018	Feb. 01, 2019	Jun. 29, 2018
DOCUMENT AND ENTITY INFORMATION [Abstract]
Entity Registrant Name	CURO Group Holdings Corp.
Entity Central Index Key	0001711291
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Document Type	10-K
Document Period End Date	Dec. 31, 2018
Document Fiscal Year Focus	2018
Document Fiscal Period Focus	FY
Amendment Flag	false
Entity Common Stock, Shares Outstanding		46,415,887
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Shell Company	false
Entity Public Float			$ 423,091,846

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
ASSETS
Cash	$ 71,034	$ 162,374
Restricted cash (includes restricted cash of consolidated VIEs of $12,840 and $6,871 as of December 31, 2018 and 2017, respectively)	28,823	12,117
Gross loans receivable (includes loans of consolidated VIEs of $148,876 and $213,846 as of December 31, 2018 and 2017, respectively)	596,787	432,837
Less: allowance for loan losses (includes allowance for losses of consolidated VIEs of $12,688 and $46,140 as of December 31, 2018 and 2017, respectively)	(79,384)	(69,568)
Loans receivable, net	517,403	363,269
Deferred income taxes	1,534	772
Income taxes receivable	16,741	3,455
Prepaid expenses and other	45,070	42,512
Property and equipment, net	76,750	87,086
Goodwill	119,281	145,607
Other intangibles, net of accumulated amortization and impairment charges of $34,576 and $41,156	29,784	32,769
Other	13,197	9,770
Total Assets	919,617	859,731
LIABILITIES AND STOCKHOLDERS' EQUITY
Accounts payable and accrued liabilities	57,282	55,792
Deferred revenue	9,663	11,984
Income taxes payable	1,579	4,120
Accrued interest (includes accrued interest of consolidated VIEs of $831 and $1,266 as of December 31, 2018 and 2017, respectively)	20,899	25,467
Liability for losses on CSO lender-owned consumer loans	12,007	17,795
Deferred rent	11,000	11,577
Long-term debt (includes long-term debt and issuance costs of consolidated VIEs of $111,335 and $3,856 and $124,590 and $4,188 as of December 31, 2018 and 2017, respectively)	804,140	706,225
Subordinated stockholder debt	2,196	2,381
Other long-term liabilities	6,222	5,768
Deferred tax liabilities	13,730	11,486
Total Liabilities	938,718	852,595
Commitments and contingencies (Note 17)
Stockholders' Equity
Preferred stock - $0.001 par value; 25,000,000 and no shares authorized, respectively, and no shares were issued at either period end	0	0
Common stock - $0.001 par value; 225,000,000 and 72,000,000 shares authorized, and 46,412,231 and 44,561,419 issued and outstanding at the respective period end	9	8
Dividends in excess of paid-in capital	60,015	46,079
(Accumulated deficit) retained earnings	(18,065)	3,988
Accumulated other comprehensive loss	(61,060)	(42,939)
Total Stockholders' Equity	(19,101)	7,136
Total Liabilities and Stockholders' Equity	$ 919,617	$ 859,731

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Restricted cash	$ 28,823	$ 12,117
Total gross loans receivable	596,787	432,837
Allowance for loan losses	79,384	69,568
Other intangibles accumulated amortization and impairment charges	33,916	41,156
Accrued interest	20,899	25,467
Long-term debt (excluding current maturities)	$ 804,140	$ 706,225
Preferred stock par value (in usd per share)	$ 0.001	$ 0.001
Preferred stock, shares authorized (in shares)	25,000,000	25,000,000
Preferred shares issued (in shares)	0	0
Class A common stock, par value (in usd per share)	$ 0.001	$ 0.001
Class A common stock, authorized (in shares)	225,000,000	72,000,000
Class A common stock, issued (in shares)	46,412,231	44,561,419
Class A common stock, outstanding (in shares)	46,412,231	44,561,419
Variable Interest Entity
Restricted cash	$ 12,840	$ 6,871
Total gross loans receivable	148,876	213,846
Allowance for loan losses	12,688	46,140
Other intangibles accumulated amortization and impairment charges	34,576	41,156
Accrued interest	831	1,266
Long-term debt (excluding current maturities)	111,335	124,590
Issuance costs	$ 3,856	$ 4,188

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Income Statement [Abstract]
Revenue	$ 1,094,311	$ 963,633	$ 828,596
Provision for losses	443,232	326,226	258,289
Net revenue	651,079	637,407	570,307
Cost of providing services
Salaries and benefits	106,753	105,196	104,541
Occupancy	53,684	54,612	54,509
Office	28,422	21,402	20,463
Other costs of providing services	52,990	54,902	53,617
Advertising	68,333	52,058	43,921
Total cost of providing services	310,182	288,170	277,051
Gross margin	340,897	349,237	293,256
Operating (income) expense
Corporate, district and other	158,955	154,973	124,274
Interest expense	84,356	82,684	64,334
Loss (gain) on extinguishment of debt	90,569	12,458	(6,991)
Restructuring costs	0	7,393	3,618
Goodwill impairment charges	22,496	0	0
Impairment charges on intangible assets and property and equipment	5,085	0	0
Total operating expense	361,461	257,508	185,235
Net (loss) income before income taxes	(20,564)	91,729	108,021
Provision for income taxes	1,489	42,576	42,577
Net (loss) income	$ (22,053)	$ 49,153	$ 65,444
Weighted average common shares outstanding:
Basic (in shares)	45,815	38,351	37,908
Diluted (in shares)	45,815	39,277	38,803
Net income per common share:
Basic (loss) earnings per share (in dollars per share)	$ (0.48)	$ 1.28	$ 1.73
Diluted (loss) earnings per share (in dollars per share)	$ (0.48)	$ 1.25	$ 1.69

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE (LOSS) INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Statement of Comprehensive Income [Abstract]
Net (loss) income	$ (22,053)	$ 49,153	$ 65,444
Other comprehensive (loss) income:
Cash flow hedges, net of $0 tax in all periods	0	333	(333)
Foreign currency translation adjustment, net of $0 tax in all periods	(18,121)	16,713	(6,022)
Other comprehensive (loss) income	(18,121)	17,046	(6,355)
Comprehensive (loss) income	$ (40,174)	$ 66,199	$ 59,089

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE (LOSS) INCOME (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Statement of Comprehensive Income [Abstract]
Cash flow hedges, tax effect	$ 0	$ 0	$ 0
Foreign currency translation adjustment, tax effect	$ 0	$ 0	$ 0

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY - USD ($) $ in Thousands	Total	Common Stock	Paid-in capital	Retained Earnings (Deficit)	AOCI	[1]
Balance, beginning period at Dec. 31, 2015	$ (19,382)	$ 1	$ (37,144)	$ 71,391	$ (53,630)
Balance, beginning period (in shares) at Dec. 31, 2015		37,894,752
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net (loss) income	65,444			65,444
Foreign currency translation adjustment	(6,022)				(6,022)
Cash flow hedge	(333)				(333)
Share based compensation expense	$ 1,148		1,148
Proceeds from exercise of stock options (in shares)	0
Balance, ending period at Dec. 31, 2016	$ 40,855	$ 1	(35,996)	136,835	(59,985)
Balance, ending period (in shares) at Dec. 31, 2016		37,894,752
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net (loss) income	49,153			49,153
Foreign currency translation adjustment	16,713				16,713
Cash flow hedge	333				333
Initial Public Offering, Net Proceeds	81,117	$ 7	81,110
Initial Public Offering, Net Proceeds (in shares)		6,666,667
Dividends	(182,000)			(182,000)
Share based compensation expense	$ 965		965
Proceeds from exercise of stock options (in shares)	0
Balance, ending period at Dec. 31, 2017	$ 7,136	$ 8	46,079	3,988	(42,939)
Balance, ending period (in shares) at Dec. 31, 2017		44,561,419
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net (loss) income	(22,053)			(22,053)
Foreign currency translation adjustment	(18,121)				(18,121)
Cash flow hedge	0
Initial Public Offering, Net Proceeds	7,110	$ 1	7,109
Initial Public Offering, Net Proceeds (in shares)		1,000,000
Share based compensation expense	8,210		8,210
Proceeds from exercise of stock options	$ 559		559
Proceeds from exercise of stock options (in shares)	500,924	500,924
Common stock issued for RSU's vesting, net of shares withheld and withholding paid for employee taxes	$ (1,942)		(1,942)
Common stock issued for RSU's vesting, net of shares withheld and withholding paid for employee taxes (in shares)		349,888
Balance, ending period at Dec. 31, 2018	$ (19,101)	$ 9	$ 60,015	$ (18,065)	$ (61,060)
Balance, ending period (in shares) at Dec. 31, 2018		46,412,231
[1]	Accumulated other comprehensive income (loss)

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Cash flows from operating activities
Net (loss) income	$ (22,053)	$ 49,153	$ 65,444
Adjustments to reconcile net (loss) income to net cash provided by operating activities:
Depreciation and amortization	18,838	18,837	18,905
Provision for losses	443,232	326,226	258,289
Goodwill impairment charges	22,496	0	0
Impairment on intangible assets and property and equipment	5,085	0	0
Restructuring costs	0	3,161	523
Amortization of debt issuance costs	4,146	3,329	3,289
Amortization of bond (premium)/discount	(488)	1,225	(1,541)
Deferred income taxes	1,508	9,036	(680)
Loss on disposal of property and equipment	940	2,278	217
Loss (gain) on extinguishment of debt	90,569	12,458	(6,991)
Increase in cash surrender value of life insurance	(2,563)	(1,308)	(918)
Share-based compensation expense	8,210	965	1,148
Realized loss on cash flow hedge	556	333	0
Changes in operating assets and liabilities:
Fees and service charges on loans receivables	(11,975)	(17,964)	(6,180)
Prepaid expenses and other assets	(3,007)	(3,264)	(5,733)
Accounts payable and accrued liabilities	(2,999)	8,896	2,010
Deferred revenue	(1,979)	(752)	(2,080)
Income taxes payable	1,636	1,213	6,852
Income taxes receivable	(13,286)	3,486	(7,154)
Other assets and liabilities	(4,402)	17,596	3,959
Net cash provided by operating activities	534,464	434,904	329,359
Cash flows from investing activities
Purchase of property, equipment and software	(14,265)	(9,757)	(16,026)
Loans receivables originated or acquired	(2,234,670)	(2,153,160)	(1,985,465)
Loans receivables repaid	1,629,048	1,735,666	1,703,818
Cash paid for Cognical Holdings preferred shares	(958)	(5,600)	0
Net cash used in investing activities	(620,845)	(432,851)	(297,673)
Cash flows from financing activities
Payments on 12.00% Senior Cash Pay Notes	0	(125,000)	0
Proceeds from credit facilities			30,000
Payments on credit facilities			(38,050)
Debt issuance costs paid	(18,609)	(18,701)	(5,346)
Payments of call premiums from early debt extinguishments	(69,650)	0	0
Net proceeds from issuance of common stock	11,167	81,117	0
Payments to net share settle restricted stock units vesting	(1,942)	0	0
Proceeds from exercise of stock options	559	0	0
Dividends paid to stockholders	0	(182,000)	0
Net cash provided by (used in) financing activities	19,092	(36,691)	59,382
Effect of exchange rate changes on cash and restricted cash	(7,345)	7,776	(2,039)
Net (decrease) increase in cash and restricted cash	(74,634)	(26,862)	89,029
Cash and restricted cash at beginning of period	174,491	201,353	112,324
Cash and restricted cash at end of period	99,857	174,491	201,353
10.75% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes	0	(426,034)	(18,939)
12.00% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes	(605,000)	0	0
Proceeds from issuance of Senior Secured Notes	0	601,054	0
Non-Recourse U.S. SPV Facility and ABL Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities	17,000	60,130	91,717
Payments on credit facilities	(141,590)	(27,257)	0
Non-Recourse Canada SPV Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities	117,157	0	0
8.25% Senior Notes Due 2025
Cash flows from financing activities
Proceeds from issuance of Senior Secured Notes	690,000	0	0
Revolving Credit Facility
Cash flows from financing activities
Proceeds from credit facilities			91,717
Revolving Credit Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities	131,902	43,084
Payments on credit facilities	(111,902)	(43,084)
Revolving Credit Facility | Non-Recourse U.S. SPV Facility and ABL Facility
Cash flows from financing activities
Proceeds from credit facilities	17,000	60,130
Payments on credit facilities	(141,590)	(27,257)
Revolving Credit Facility | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities	117,157
Revolving Credit Facility | Senior Revolver
Cash flows from financing activities
Proceeds from credit facilities	131,902	43,084	30,000
Payments on credit facilities	$ (111,902)	$ (43,084)	$ (38,050)

CONSOLIDATED STATEMENTS OF CA_2

CONSOLIDATED STATEMENTS OF CASH FLOWS (Parenthetical)	Dec. 31, 2018	Nov. 02, 2018	Sep. 30, 2018	Aug. 31, 2018	Aug. 13, 2018	Dec. 31, 2017	Nov. 30, 2017	Feb. 28, 2017	Feb. 28, 2013
10.75% Senior Secured Notes
Stated interest rate (as percent)			10.75%
12.00% Senior Cash Pay Notes
Stated interest rate (as percent)			12.00%
12.00% Senior Secured Notes
Stated interest rate (as percent)								12.00%
8.25% Senior Notes Due 2025
Stated interest rate (as percent)	8.25%
Senior Notes | 10.75% Senior Secured Notes
Stated interest rate (as percent)	10.75%								10.75%
Senior Notes | 12.00% Senior Cash Pay Notes
Stated interest rate (as percent)	12.00%								12.00%
Senior Notes | 12.00% Senior Secured Notes
Stated interest rate (as percent)	12.00%	12.00%	12.00%			12.00%	12.00%
Senior Notes | 8.25% Senior Notes Due 2025
Stated interest rate (as percent)	8.25%			8.25%	8.25%

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS Basis of Presentation The terms “CURO", "we,” “our,” “us,” and the “Company” refer to CURO Group Holdings Corp. and its directly and indirectly owned subsidiaries as a combined entity, except where otherwise stated. The term "CFTC" refers to CURO Financial Technologies Corp., our wholly-owned subsidiary, and its directly and indirectly owned subsidiaries as a consolidated entity, except where otherwise stated. We have prepared the accompanying audited Consolidated Financial Statements in accordance with accounting principles generally accepted in the United States of America (“US GAAP”). The Consolidated Financial Statements and the accompanying notes reflect all adjustments which are, in the opinion of management, necessary to present fairly our results of operations, financial position and cash flows for the periods presented. The adjustments consist solely of normal recurring adjustments. We completed our initial public offering ("IPO") in December 2017. Prior to our IPO, we effected a 36 -for-1 split of our common stock. We have retroactively adjusted all share and per share data for all periods presented to reflect the stock split as if the stock split had occurred at the beginning of the earliest period presented. See Note 14, "Stockholders' Equity" for additional information concerning our IPO and stock split. After our IPO, we initially qualified as an “emerging growth company” as defined in the Jumpstart Our Business Startups Act of 2012 (the "JOBS Act"). As an emerging growth company, we elected to take advantage of specified reduced reporting and other requirements that are otherwise generally required of public companies. In August 2018, we completed the issuance of $690.0 million of 8.25% Senior Secured Notes due 2025 ("8.25% Senior Secured Notes"). See Note 10, "Long-Term Debt" for further discussion of this issuance. This issuance, along with the issuance of $605.0 million of 12.00% Senior Secured Notes due 2022 ("12.00% Senior Secured Notes") during 2017, exceeded one of the required thresholds to retain emerging growth company status. As a result of this change of status, we could no longer take advantage of the specified reduced reporting requirements and needed to adopt certain recently issued accounting pronouncements that we were previously allowed to defer. The impact on our accounting policy adoption practices are further described in this Note 1. Additionally, the status change required us to provide an auditor attestation over management's assessment of internal control over financial reporting under Sarbanes-Oxley Act Section 404(b). Principles of Consolidation The Consolidated Financial Statements include the accounts of CURO and its wholly-owned subsidiaries. Intercompany transactions and balances have been eliminated in consolidation. Use of Estimates The preparation of consolidated financial statements in conformity with US GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements. Estimates also affect the reported amounts of revenues and expenses during the periods reported. Some of the significant estimates that we have made in the accompanying Consolidated Financial Statements include allowances for loan losses, certain assumptions related to goodwill and intangibles, accruals related to self-insurance, Credit Services Organization ("CSO") guarantee liability and estimated tax liabilities. Actual results may differ from those estimates. Nature of Operations We are a growth-oriented, technology-enabled, highly-diversified consumer finance company serving a wide range of underbanked consumers in the United States ("U.S."), Canada, and, through February 25, 2019, the United Kingdom ("U.K."). U.K. Segment Placed into Administration In 2013, we completed the acquisition of Wage Day Advance Limited, a U.K. entity, for approximately $80.9 million . We later changed the name of Wage Day Advance Limited to CURO Transatlantic Limited, although we continued to operate online in the U.K. as Wage Day Advance. In 2017, we also launched Juo Loans, an online Installment loan brand in the U.K. We historically operated online as “Wage Day Advance” and “Juo Loans” and, prior to their closure in the third quarter of 2017, our stores were branded “Speedy Cash.” On February 25, 2019, we announced that a proposed Scheme of Arrangement ("SOA") as described in our Form 8-K filed January 31, 2019, would not be implemented. In accordance with the provisions of the U.K. Insolvency Act 1986 and as approved by the boards of directors of the Company’s U.K. subsidiaries, Curo Transatlantic Limited ("CTL") and SRC Transatlantic Limited (collectively with CTL, “the U.K. Subsidiaries”), insolvency practitioners from KPMG were appointed as administrators (“Administrators”) in respect of both of the U.K. Subsidiaries. The effect of the U.K. Subsidiaries’ entry into administration was to place the management, affairs, business and property of the U.K. Subsidiaries under the direct control of the Administrators. Accordingly, the Company will deconsolidate the U.K. Subsidiaries as of February 25, 2019 and will present the U.K. Subsidiaries as Discontinued Operations in the first quarter of 2019. Immaterial Correction of an Error in Previously Issued Financial Statements During the year ended December 31, 2018, the Company corrected errors in regards to its prior presentation of cash flows for loan originations and collections on principal. The Company determined that the historical presentation was in error and did not conform to GAAP. Accordingly the Company corrected previously filed financial statements by reclassifying cash outflows for loan originations and receipts on collections of principal of $417.5 million and $278.6 million from net cash provided by operating activities to net cash used in investing activities for the years ended December 31, 2017 and 2016, respectively. Total cash flows for each year presented did not change. The Company concluded that the errors were immaterial to each of the annual and interim Consolidated Financial Statements included in the Company’s Annual report on Form 10-K ("Annual Report") for the year ended December 31, 2017. We have revised our Consolidated Financial Statements as of December 31, 2018 and for the years ended December 31, 2017 and 2016 presented in this Report on Form 10-K and will revise our previously issued financial statements to correct these errors when the Consolidated Financial Statements are presented in future periodic filings. A summary of the impact of the correction follows: Year Ended December 31, (dollars in thousands) 2017 2016 As Reported: Net cash provided by operating activities $ 17,410 $ 47,712 Net cash used in investing activities (15,357 ) (16,026 ) As Corrected: Net cash provided by operating activities 434,904 329,359 Net cash used in investing activities (432,851 ) (297,673 ) Revenue Recognition We offer a broad range of consumer finance products including Unsecured Installment loans, Secured Installment loans, Open-End loans and Single-Pay loans. Revenue in the Consolidated Statements of Operations includes: interest income, finance charges, CSO fees, late fees and non-sufficient funds fees as permitted by applicable laws and pursuant to the customer agreements. Product offerings differ by jurisdiction and are governed by the laws in each separate jurisdiction. Installment loans include Secured Installment loans and Unsecured Installment loans. These loans are fully amortizing, with a fixed payment amount, which includes principal and accrued interest, due each period during the loan term. The loan terms for Installment loans can range up to 60 months depending on state or provincial regulations. We record revenue from Installment loans on a simple-interest basis. Accrued interest and fees are included in gross loans receivable in the Consolidated Balance Sheets. CSO fees are recognized ratably over the term of the loan. Open-End loans function much like a revolving line-of-credit, whereby the periodic payment is a fixed percentage of the customer’s outstanding loan balance, and there is no defined loan term. We record revenue from Open-End loans on a simple interest basis. Accrued interest and fees are included in gross loans receivable in the Consolidated Balance Sheets. Single-Pay loans are primarily unsecured, short-term, small denomination loans, with a very small portion being auto title loans, which allow a customer to obtain a loan using their car as collateral. Revenues from Single-Pay loan products are recognized each period on a constant-yield basis ratably over the term of each loan. We defer recognition of the unearned fees we expect to collect based on the remaining term of the loan at the end of each reporting period. Check cashing fees, money order fees and other fees from ancillary products and services are generally recognized at the point-of-sale when the transaction is completed. We also earn revenue from the sale of credit protection insurance in the Canadian market. Insurance revenues are recognized ratably over the term of the loan. Given that we were not an emerging growth company as of August 2018, we adopted certain accounting pronouncements during the year for which we were previously allowed to defer. We adopted ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606) (“ASU 2014-09”), which amended the existing accounting standards for revenue recognition. All amounts and disclosures set forth in this Annual Report reflect the adoption of this ASU. See "--Recently Adopted Accounting Pronouncements " for further information. Cash We maintain cash balances in the U.S., Canada and the U.K. At December 31, 2018 , we had $42.4 million , $18.8 million and $9.9 million in our cash accounts in the U.S., Canada and the U.K., respectively. At December 31, 2017 , we had $117.5 million , $36.0 million and $8.9 million in our cash accounts in the U.S., Canada and the U.K., respectively. These balances exclude restricted cash. Restricted Cash At December 31, 2018 and December 31, 2017 we had $33.2 million and $23.2 million , respectively, on deposit in collateral accounts with financial institutions and third-party lenders. At December 31, 2018 , $16.0 million and $17.2 million were included as a component of "Restricted cash" and "Prepaid expenses and other," respectively, in our Consolidated Balance Sheets. At December 31, 2017 , approximately $5.2 million and $17.9 million were included as a component of "Restricted cash" and "Prepaid expenses and other," respectively, in our Consolidated Balance Sheets. As a result of the loan facilities disclosed in Note 5, "Variable Interest Entities" , $12.8 million and $6.9 million were included as "Restricted cash" of consolidated VIE in our Consolidated Balance Sheets at December 31, 2018 and December 31, 2017 , respectively. The following table provides a reconciliation of cash and restricted cash to amounts reported within the Consolidated Balance Sheets: December 31, (in thousands) 2018 2017 Cash $ 71,034 $ 162,374 Restricted cash 28,823 12,117 Total cash and restricted cash $ 99,857 $ 174,491 Consumer Loans Receivable Consumer loans receivable are net of the allowance for loan losses and are comprised of Unsecured Installment, Secured Installment, Open-End and Single-Pay loans. Our Single-Pay loans are primarily comprised of payday loans and auto title loans. A payday loan transaction consists of providing a customer cash in exchange for the customer’s personal check or Automated Clearing House (“ACH”) authorization (in the aggregate amount of that cash plus a service fee), with an agreement to defer the presentment or deposit of that check or scheduled ACH withdrawal until the customer’s next payday, which is typically either two weeks or a month from the loan’s origination date. An auto title loan allows a customer to obtain a loan using the customer’s car as collateral for the loan, with a typical loan term of 30 days. Unsecured Installment, Secured Installment and Open-End loans require periodic payments of principal and interest. Installment loans are fully amortized loans with a fixed payment amount due each period during the term of the loan. Open-End loans function much like a revolving line-of-credit, whereby the periodic payment is a set percentage of the customer’s outstanding loan balance, and there is no defined loan term. The loan terms for Installment loans can range up to 60 months, depending on state regulations. Installment and Open-End loans are offered as both Secured auto title loans and as Unsecured loan products. The product offerings differ by jurisdiction and are governed by the laws in each separate jurisdiction. Current and Past-Due Loans Receivable We classify our loans receivable as either current or past-due. Single-Pay and Open-End loans are considered past-due if a customer misses a scheduled payment, at which point the loan is charged-off to the allowance for loan losses. The charge-off of Unsecured Installment and Secured Installment loans was impacted by a change in accounting estimate in the first quarter of 2017. Effective January 1, 2017, we modified the timeframe in which Installment loans are charged-off and made related refinements to our loss provisioning methodology. Prior to January 1, 2017, we deemed all loans uncollectible and charged-off when a customer missed a scheduled payment and the loan was considered past-due. Because of our continuing shift from Single-Pay to Installment loans and our analysis of payment patterns on early-stage versus late-stage delinquencies, we revised our estimates to consider Installment loans uncollectible when the loan has been past-due for 90 consecutive days. Consequently, past-due Installment loans remain in loans receivable, with disclosure of past-due balances, for 90 days before being charged-off against the allowance for loan losses. We evaluate the adequacy of the allowance for loan losses as compared to the related gross receivables balances, which include accrued interest. The aforementioned change was treated as a change in accounting estimate that was applied prospectively effective January 1, 2017. As a result, some credit-quality metrics in 2017 may not be comparable to historical periods. Throughout the remainder of this Annual Report, the change in estimate is referred to as “Q1 2017 Loss Recognition Change.” Installment loans generally are considered past-due when a customer misses a scheduled payment. Loans zero to 90 days past-due are disclosed and included in gross loans receivable. We accrue interest on past-due loans until charged off. The amount of the resulting charge-off includes unpaid principal, accrued interest and any uncollected fees, if applicable. Consequently, net loss rates that include accrued interest will be higher than under the methodology applied prior to January 1, 2017. The result of this change in estimate resulted in approximately $61.0 million of Installment loans at December 31, 2017 that remained on our balance sheet that were between one and 90 days delinquent. Additionally, the Installment loan allowance for loan losses as of December 31, 2017 of $69.6 million included an estimated allowance of $38.7 million for the Installment loans between one and 90 days delinquent. For Single-Pay and Open-End loans, past-due loans are charged-off upon payment default and typically do not return to current for any subsequent payment activity. For Installment loans, customers with payment delinquency of 90 consecutive days are charged off. Charged-off loans are never returned to current or performing and all subsequent activity is accounted for within recoveries in the Allowance for loan losses. If a past-due Installment loan customer makes payments sufficient to bring the account current for principal plus all accrued interest or fees pursuant to the original terms of the loan contract before becoming 90 consecutive days past-due, the underlying loan balance returns to current classification. Depending upon underlying state or provincial regulations, a borrower may be eligible for more than one outstanding loan. Allowance for Loan Losses Credit losses are an inherent part of outstanding loans receivable. We maintain an allowance for loan losses for loans and interest receivable at a level estimated to be adequate to absorb incurred losses based primarily on our analysis of historical loss or charge-off rates for loans containing similar risk characteristics. The allowance for losses on our Company-owned gross loans receivables reduces the outstanding gross loans receivables balance in the Consolidated Balance Sheets. The liability for estimated losses related to Loans Guaranteed by the Company under CSO programs is reported in “Credit services organization guarantee liability” in the Consolidated Balance Sheets. Increases in either the allowance or the liability, net of charge-offs and recoveries, are recorded as “Provision for losses” in the Consolidated Statements of Operations. When establishing the allowance for loan losses, we also consider delinquency trends and any macro-economic conditions that we believe may affect portfolio losses. If a loan is deemed to be uncollectible before it is fully reserved based on information we become aware of (e.g., receipt of customer bankruptcy notice or death), we charge off such loan at that time. Qualitative factors such as the impact of new loan products, changes to underwriting criteria or lending policies, new store development or entrance into new markets, changes in jurisdictional regulations or laws, recent credit trends and general economic conditions impact management’s judgment on the overall adequacy of the allowance for loan losses. Any recoveries on loans previously charged to the allowance are credited to the allowance when collected. The Q1 2017 Loss Recognition Change affected comparability of activity in the related allowance for loan losses. Specifically, no Unsecured or Secured Installment loans were charged-off to the allowance for loan losses in the three months ended March 31, 2017 because charge-off effectively occurs on day 91 under the revised methodology and no affected loans originated during the period reached day 91 until April 2017. Actual charge-offs and recoveries on defaulted/charged-off loans from the three months ended March 31, 2017 affected the allowance for loan losses in prospective periods. However, as discussed previously, the related net losses were recognized in the Consolidated Statements of Operations during the year ended December 31, 2017 by applying expected net loss provision rates to the related loan originations. Additionally, during the year ended December 31, 2018, we changed our estimated allowance for loan losses for Unsecured Installment and Secured Installment gross loans receivable and for Loans Guaranteed by the Company under CSO programs. This is a prospective change in estimate affected by a change in accounting principle. Prior to the change in the estimate, we utilized historic collection experience by grouping accounts receivable aging for these products to assess losses inherent in the portfolio and incurred as of the balance sheet date. Given that we now have history on performance subsequent to the Q1 2017 Loss Recognition Change, we refined the estimation process to utilize charge-off and recovery rates and estimate losses inherent in the portfolio. Credit Services Organization Through our CSO programs, we act as a credit services organization ("CSO")/credit access business ("CAB") on behalf of customers in accordance with applicable state laws. We currently offer loans through CSO programs in stores and online in the state of Texas and online in the state of Ohio. As a CSO, we earn revenue by charging the customer a fee ("CSO fee") for arranging an unrelated third-party to make a loan to that customer. When a customer executes an agreement with us under our CSO programs, we agree, for a CSO fee payable to us by the customer, to provide certain services to the customer, one of which is to guarantee the customer’s obligation to repay the loan to the third-party lender. CSO fees are calculated based on the amount of the customer's outstanding loan. For CSO loans, each lender is responsible for providing the criteria by which the customer’s application is underwritten and, if approved, determining the amount of the customer loan. We in turn are responsible for assessing whether or not we will guarantee the loan. This guarantee represents an obligation to purchase specific loans if they go in to default. In Ohio, we currently operate as a registered CSO and provide CSO services to customers who apply for and obtain Unsecured Installment loans from a third-party lender. Ohio House Bill 123 was introduced in March 2017, effectively eliminating the viability of the CSO model. In late July 2018, the Ohio legislature enacted House Bill 123 and the Governor signed the bill into law on July 30, 2018. The principal sections of the new law are scheduled to become operative on or about April 27, 2019. As a result, the Company will no longer operate as a registered CSO in Ohio. Ohio revenue for the year ended December 31, 2018 was $19.3 million on related Unsecured Installment loan balances of $5.2 million as of December 31, 2018. After loss provisions and direct costs, state level contribution from Ohio was immaterial. The Ohio Department of Commerce granted us a short-term lender's license on February 15, 2019. Under this license, we will offer an Installment loan product for a term of 120 days. Ohio customers may originate and manage their loans online via the internet or mobile application. We currently have relationships with four unaffiliated third-party lenders for our CSO programs. We periodically evaluate the competitive terms of our unaffiliated third-party lender contracts and such evaluation may result in the transfer of volume and loan balances between lenders. The process does not require significant effort or resources outside the normal course of business and we believe the incremental cost of changing or acquiring new unaffiliated third-party lender relationships to be immaterial. As of December 31, 2018 , the maximum amount guaranteed by the Company under CSO programs was $66.9 million , compared to $65.2 million at December 31, 2017 . Should we be required to pay any portion of the total amount of the loans we have guaranteed, we will attempt to recover some or all of the entire amount from the customers. We hold no collateral in respect of the guarantees. We estimate a liability for losses associated with the guaranty provided to the CSO lenders using assumptions and methodologies similar to the allowance for loan losses, which we recognize for our consumer loans. Our liability for incurred losses on CSO loans guaranteed by the Company was $12.0 million and $17.8 million at December 31, 2018 and 2017 , respectively. CSO fees are calculated based on the amount of the customer’s outstanding loan. We comply with the applicable jurisdiction’s Credit Services Organization Act or a similar statue. These laws generally define the services that we can provide to consumers and require us to provide a contract to the customer outlining our services and related costs. For services we provide under our CSO programs we receive payments from customers on their scheduled loan repayment due dates. The CSO fee is earned ratably over the term of the loan as the customers make payments. If a loan is paid off early, no additional CSO fees are due or collected. The maximum CSO loan term is 180 days and 18 months in Texas and Ohio, respectively. During the years ended December 31, 2018 and 2017 , approximately 57.3% and 53.6% , respectively, of Unsecured Installment Loans, and 54.5% and 53.6% , respectively, of Secured Installment loans originated under CSO programs were paid off prior to the original maturity date. Since CSO loans are made by a third-party lender, we do not include them in our Consolidated Balance Sheets as loans receivable. CSO fees receivable are included in “Prepaid expense and other” in our Consolidated Balance Sheets. We receive cash from customers for these fees on their scheduled loan repayment due dates. Variable Interest Entity As part of our funding strategy and as part of our efforts to support our liquidity from sources other than our traditional capital market sources, we established a securitization program through Non-Recourse U.S. and Canada SPV Facilities. See Note 5, "Variable Interest Entities" for further discussion on both facilities. We entered into the Non-Recourse Canada SPV Facility during the third quarter of 2018 and fully extinguished the Non-Recourse U.S. SPV Facility during the fourth quarter of 2018. We transferred certain consumer loan receivables to a wholly-owned, bankruptcy-remote special purpose subsidiary (“VIE”) that issues term notes backed by the underlying consumer loan receivables which are serviced by another wholly-owned subsidiary. We have the ability to direct the activities of the VIE that most significantly impact the economic performance of the entities as the servicer of the securitized loan receivables. Additionally, we have the right to receive residual payments, which exposes us to the potential for significant losses and returns. Accordingly, we determined that we are the primary beneficiary of the VIE and are required to consolidate them. See Note 5, "Variable Interest Entities" for further discussion of our VIEs. Cash Flow Hedge During 2018, we had a cash flow hedge for which the hedging instrument was a forward contract to purchase GBP 10,400,000 that expired in October 2018. We performed an assessment that determined that all critical terms of the hedging instrument and the hedged transaction matched, and as such, qualitatively concluded that changes in the hedge’s intrinsic value would completely offset the change in the expected cash flows based on changes in the foreign-currency spot exchange rate. Since the effectiveness of this hedge was assessed based on changes in the hedge’s intrinsic value, the change in the time value of the contract would be excluded from the assessment of hedge effectiveness. We recorded the hedge’s fair value on the Consolidated Balance Sheets in current liabilities. Changes in the hedge’s intrinsic value, to the extent that the hedges were effective as a hedge, were recorded in other comprehensive income in prior periods. Upon expiration of the hedge in October 2018, we recorded a realized loss of $0.6 million in our Consolidated Statements of Operations associated with this hedge. During 2017, we had a cash flow hedge for which the hedging instrument was a forward contract to purchase GBP 4,800,000 that expired in May 2017. Changes in the hedge’s intrinsic value, to the extent that the hedges were effective as a hedge, were recorded in other comprehensive income in prior periods. Upon expiration of the hedge in May 2017, we recorded a realized loss of $0.3 million in our Consolidated Statements of Operations associated with this hedge. Property and Equipment Property and equipment is carried at cost less accumulated depreciation and amortization, except for property and equipment accounted for as part of a business combination, which is carried at fair value as of the acquisition date less accumulated depreciation and amortization. Expenditures for major additions and improvements are capitalized. Maintenance repairs and renewals, that do not materially add to the fixed asset's value or appreciably prolong its life, are charged to expense as incurred. Gains and losses on dispositions of property and equipment are included in results of operations. The estimated useful lives for furniture, fixtures and equipment are five to seven years. The estimated useful lives for leasehold improvements are the shorter of the estimated useful life of the asset, or the term of the lease, and can vary from one year to 15 years. Depreciation and amortization are computed using the straight-line method over the estimated useful lives of the depreciable or amortizable assets. Goodwill and Other Intangible Assets 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 ASC 350-20-35, Goodwill--Subsequent Measure , we perform impairment testing for goodwill and indefinite-lived intangible assets annually as of October 1st. However, we test for impairment between our annual tests if an event occurs or if circumstances change that indicate that the asset would be impaired, or, in the case of goodwill, that the fair value of a reporting unit is below its carrying value. These events or circumstances could include a significant change in the business climate, a change in strategic direction, legal factors, operating performance indicators, a change in the competitive environment, the sale or disposition of a significant portion of a reporting unit or economic outlook. Goodwill Goodwill is initially valued based on the excess of the purchase price of a business combination over the fair value of the acquired net assets recognized and represents the future economic benefits arising from other assets acquired that could not be individually identified and separately recognized. Intangible assets other than goodwill are initially valued at fair value. When appropriate, we utilize independent valuation experts to advise and assist us in determining the fair value of the identified intangible assets acquired in connection with a business acquisition and in determining appropriate amortization methods and periods for those intangible assets. Any contingent consideration included as part of the purchase is recognized at its fair value on the acquisition date. Our annual impairment review for goodwill consists of performing a qualitative assessment to determine whether it is more likely than not that a reporting unit’s fair value is less than its carrying amount as a basis for determining whether or not further testing is required. We may elect to bypass the qualitative assessment and proceed directly to the two-step process, for any reporting unit, in any period. We can resume the qualitative assessment for any reporting unit in any subsequent period. If we determine, on the basis of qualitative factors, that it is more likely than not that the fair value of the reporting unit is less than the carrying amount, we will then apply a two-step process of (i) determining the fair value of the reporting unit and (ii) comparing it to the carrying value of the net assets allocated to the reporting unit. When performing the two-step process, if the fair value of the reporting unit exceeds it carrying value, no further analysis or write-down of goodwill is required. In the event the estimated fair value of a reporting unit is less than the carrying value, we recognize an impairment loss equal to such excess, which could significantly and adversely impact reported results of operations and stockholders’ equity. During the fourth quarter of 2018, we performed the qualitative assessment for our U.S. and Canada reporting units. Management concluded that the estimated fair values of these two reporting units were greater than their respective carrying values. As such, no further analysis was required for these reporting units. We performed the first step of the two-step process for our U.K. reporting unit and determined that its carrying value exceeded its implied fair value, which resulted in a complete impairment loss recognized in the fourth quarter of $22.5 million . Refer to Note 4, "Goodwill and Intangibles" for further information. During the fourth quarter of 2017, we performed the qualitative assessment for our U.S. and Canada reporting units. Management concluded that the estimated fair values of these two reporting units were greater than their respective carrying values. As such, no further analysis was required for these reporting units. We performed the first step of the two-step process for our U.K. reporting unit and determined that its implied fair value exceeded its carrying value, and therefore, the second step was not performed and no further analysis or write-down of goodwill was required. During the fourth quarter of 2016, we performed the first step of th

PREPAID EXPENSES AND OTHER

PREPAID EXPENSES AND OTHER	12 Months Ended
	Dec. 31, 2018
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
PREPAID EXPENSES AND OTHER	PREPAID EXPENSES AND OTHER Components of Prepaid expenses and other assets were as follows: (in thousands) December 31, 2018 December 31, 2017 Settlements and collateral due from third-party lenders (Note 1) $ 17,205 $ 17,943 Fees receivable for third-party loans 13,771 15,059 Prepaid expenses 7,926 6,728 Other assets 6,168 2,782 Total $ 45,070 $ 42,512

PROPERTY AND EQUIPMENT

PROPERTY AND EQUIPMENT	12 Months Ended
	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
PROPERTY AND EQUIPMENT	PROPERTY AND EQUIPMENT The classification of property and equipment was as follows: (in thousands) December 31, 2018 December 31, 2017 Leasehold improvements $ 126,903 $ 126,897 Furniture, fixtures and equipment 34,896 36,488 Property and equipment, gross 161,799 163,385 Accumulated depreciation (85,049 ) (76,299 ) Property and equipment, net $ 76,750 $ 87,086 Depreciation expense was $16.0 million , $16.7 million and $15.4 million for the years ended December 31, 2018 , 2017 and 2016 , respectively.

GOODWILL AND INTANGIBLES

GOODWILL AND INTANGIBLES	12 Months Ended
	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND INTANGIBLES	GOODWILL AND INTANGIBLES The change in the carrying amount of goodwill by operating segment for the years ended December 31, 2018 and 2017 was as follows: (in thousands) U.S. U.K. Canada Total Goodwill at December 31, 2016 $ 91,131 $ 21,882 $ 28,541 $ 141,554 Foreign currency translation - 2017 — 2,078 1,975 4,053 Goodwill at December 31, 2017 91,131 23,960 30,516 145,607 Foreign currency translation - 2018 — (1,464 ) (2,366 ) (3,830 ) Goodwill Impairment Charge - 2018 — (22,496 ) — (22,496 ) Goodwill at December 31, 2018 $ 91,131 $ — $ 28,150 $ 119,281 In recent months, the U.K. business, which meets the definition of a reporting unit for purposes of testing goodwill, received an elevated number of customer redress claims in connection with certain of its regulatory obligations to consumers. The reporting unit incurred over $11.5 million of costs to address the redress complaints during the year ended December 31, 2018. Due to these sustained losses and the impact to expected future cash flows at the U.K. reporting unit, the carrying value exceeded the fair value under the Step 1 goodwill analysis, which is required annually and performed by the Company as of October 1. As a result, a full impairment of goodwill for the U.K. reporting unit of $22.5 million was recognized and included in Goodwill impairment charges in our Consolidated Statements of Operations in the fourth quarter of 2018. Identifiable intangible assets consisted of the following: December 31, 2018 December 31, 2017 (dollars in thousands) Weighted-Average Remaining Life (Years) Gross Carrying Amount (1) Accumulated Amortization (1) Gross Carrying Amount (1) Accumulated Amortization (1) Trade name 7.2 $ 21,370 $ (6 ) $ 26,872 $ (20 ) Customer relationships 0.3 18,299 (17,643 ) 27,823 (26,137 ) Computer software 10.0 24,031 (16,267 ) 19,230 (14,999 ) Balance, end of year $ 63,700 $ (33,916 ) $ 73,925 $ (41,156 ) (1) Represents only assets that have not been fully amortized. Our identifiable intangible assets are amortized using the straight-line method over the estimated remaining useful lives, except for the Cash Money trade name intangible asset that has a combined carrying amount of $21.3 million , which was determined to have an indefinite life and is not amortized. The estimated useful lives for our other intangible assets range from 1 to 10 years. Aggregate amortization expense related to identifiable intangible assets was $2.8 million , $2.4 million and $3.5 million for the years ended December 31, 2018 , 2017 and 2016 , respectively. As a result of the elevated number of customer redress claims, as previously described, in addition to the likelihood of placing the U.K. Subsidiaries into administration, the Company recorded a full non-cash intangible asset impairment charge in the fourth quarter of 2018 of approximately $3.8 million , which is reflected in "Impairment charges on intangible asset and property and equipment" in the Consolidated Statements of Operations. The following table outlines the estimated future amortization expense (1) related to intangible assets held at December 31, 2018 : (in thousands) Year Ending December 31, 2019 $ 2,373 2020 1,041 2021 483 2022 253 2023 253 (1) Future amortization expense excludes U.K. intangible assets as these were impaired as of December 31, 2018.

VARIABLE INTEREST ENTITIES

VARIABLE INTEREST ENTITIES	12 Months Ended
	Dec. 31, 2018
Organization, Consolidation and Presentation of Financial Statements [Abstract]
VARIABLE INTEREST ENTITIES	VARIABLE INTEREST ENTITIES In 2016, we closed the Non-Recourse U.S. SPV facility, whereby certain loan receivables were sold to wholly-owned, bankruptcy-remote special purpose subsidiaries ("VIEs") and additional debt was incurred through the ABL facility and the Non-Recourse U.S. SPV facility that was collateralized by these underlying loan receivables. This facility was extinguished in October 2018 as a result of the issuance of the 8.25% Senior Secured Notes (see Note 10, "Long-Term Debt " for further discussion). In August 2018, we closed a second financing facility, the Non-Recourse Canada SPV facility, whereby certain loan receivables were sold to wholly-owned VIEs and additional debt was incurred through the ABL facility and the Non-Recourse Canada SPV facility that was collateralized by these underlying loan receivables. We have determined that we are the primary beneficiary of the VIEs and are required to consolidate them. We include the assets and liabilities related to the VIEs in our Consolidated Financial Statements. As required, we parenthetically disclose on our Consolidated Balance Sheets the VIEs’ assets that can only be used to settle the VIEs' obligations and liabilities if the VIEs’ creditors have no recourse against our general credit. The carrying amounts of consolidated VIEs' assets and liabilities associated with our special purpose subsidiaries were as follows: (in thousands) December 31, 2018 (1) December 31, 2017 (1) Assets Restricted cash $ 12,840 $ 6,871 Loans receivable less allowance for loan losses 136,187 167,706 Total Assets $ 149,027 $ 174,577 Liabilities Accounts payable and accrued liabilities $ 4,980 $ 12 Deferred revenue 40 — Accrued interest 831 1,266 Long-term debt 107,479 120,402 Total Liabilities $ 113,330 $ 121,680 (1) VIE balances as of December 31, 2018 reflect the Non-Recourse Canada SPV facility whereas December 31, 2017 balances reflect the Non-Recourse U.S. SPV facility.

LOANS RECEIVABLE AND REVENUE

LOANS RECEIVABLE AND REVENUE	12 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
LOANS RECEIVABLE AND REVENUE	LOANS RECEIVABLE AND REVENUE Unsecured and Secured Installment revenue includes interest income and non-sufficient-funds or returned-items fees on late or defaulted payments on past-due loans (collectively, “late fees”). Late fees comprise less than 1.0% of Installment revenues. Open-End revenues include interest income on outstanding revolving balances and other usage or maintenance fees as permitted by underlying statutes. Single-Pay revenues represent deferred presentment or other fees as defined by the underlying state, provincial or national regulations. The following table summarizes revenue by product: Year Ended December 31, (in thousands) 2018 2017 2016 Unsecured Installment $ 561,721 $ 480,243 $ 330,713 Secured Installment 110,677 100,981 81,453 Open-End 141,963 73,496 66,948 Single-Pay 229,791 268,794 313,276 Ancillary 50,159 40,119 36,206 Total revenue $ 1,094,311 $ 963,633 $ 828,596 The following tables summarize Loans receivable by product and the related delinquent loans receivable at December 31, 2018: December 31, 2018 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Total Current loans receivable $ 82,375 $ 157,057 $ 75,583 $ 207,333 $ 522,348 Delinquent loans receivable — 57,050 17,389 — 74,439 Total loans receivable 82,375 214,107 92,972 207,333 596,787 Less: allowance for losses (4,419 ) (42,873 ) (12,191 ) (19,901 ) (79,384 ) Loans receivable, net $ 77,956 $ 171,234 $ 80,781 $ 187,432 $ 517,403 December 31, 2018 (in thousands) Unsecured Installment Secured Installment Total Delinquent loans receivable 0-30 days past-due $ 20,779 $ 7,870 $ 28,649 31-60 days past-due 17,120 4,725 21,845 61-90 days past-due 19,151 4,794 23,945 Total delinquent loans receivable $ 57,050 $ 17,389 $ 74,439 The following tables summarize Loans receivable by product and the related delinquent loans receivable at December 31, 2017: December 31, 2017 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Total Current loans receivable $ 99,400 $ 151,343 $ 73,165 $ 47,949 $ 371,857 Delinquent loans receivable — 44,963 16,017 — 60,980 Total loans receivable 99,400 196,306 89,182 47,949 432,837 Less: allowance for losses (5,915 ) (43,755 ) (13,472 ) (6,426 ) (69,568 ) Loans receivable, net $ 93,485 $ 152,551 $ 75,710 $ 41,523 $ 363,269 December 31, 2017 (in thousands) Unsecured Installment Secured Installment Total Delinquent loans receivable 0-30 days past-due $ 18,358 $ 8,116 $ 26,474 31-60 days past-due 12,836 3,628 16,464 61-90 days past-due 13,769 4,273 18,042 Total delinquent loans receivable $ 44,963 $ 16,017 $ 60,980 Prior to January 1, 2017, we deemed all loans uncollectible and charged-off when a customer missed a scheduled payment and the loan was considered past-due. See Note 1, "Summary of Significant Accounting Policies and Nature of Operations" for a discussion of the Q1 2017 Loss Recognition Change. This change in estimate resulted in approximately $61.0 million of Installment loans at December 31, 2017 that remained on our balance sheet that were between 1 and 90 days delinquent. Additionally, the Installment allowance for loan losses as of December 31, 2017 of $69.6 million included an estimated allowance of $38.7 million for the Installment loans between one and 90 days delinquent. The following tables summarize loans guaranteed by us under our CSO programs and the related delinquent receivables at December 31, 2018: December 31, 2018 (in thousands) Unsecured Installment Secured Installment Total Current loans receivable guaranteed by the Company $ 65,743 $ 2,504 $ 68,247 Delinquent loans receivable guaranteed by the Company 11,708 446 12,154 Total loans receivable guaranteed by the Company 77,451 2,950 80,401 Less: Liability for losses on CSO lender-owned consumer loans (11,582 ) (425 ) (12,007 ) Loans receivable guaranteed by the Company, net $ 65,869 $ 2,525 $ 68,394 December 31, 2018 (in thousands) Unsecured Installment Secured Installment Total Delinquent loans receivable 0-30 days past-due $ 9,684 $ 369 $ 10,053 31-60 days past-due 1,255 48 1,303 61-90 days past-due 769 29 798 Total delinquent loans receivable $ 11,708 $ 446 $ 12,154 The following table summarizes loans guaranteed by us under our CSO programs at December 31, 2017: December 31, 2017 (in thousands) Unsecured Installment Secured Installment Total Current loans receivable guaranteed by the Company $ 62,676 $ 3,098 $ 65,774 Delinquent loans receivable guaranteed by the Company 12,480 537 13,017 Total loans receivable guaranteed by the Company 75,156 3,635 78,791 Less: Liability for losses on CSO lender-owned consumer loans (17,073 ) (722 ) (17,795 ) Loans receivable guaranteed by the Company, net $ 58,083 $ 2,913 $ 60,996 December 31, 2017 (in thousands) Unsecured Installment Secured Installment Total Delinquent loans receivable 0-30 days past-due $ 10,477 $ 459 $ 10,936 31-60 days past-due 1,364 41 1,405 61-90 days past-due 639 37 676 Total delinquent loans receivable $ 12,480 $ 537 $ 13,017 The following table summarizes activity in the allowance for loan losses during the year ended December 31, 2018 : Year Ended December 31, 2018 (dollars in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 5,915 $ 43,755 $ 13,472 $ 6,426 $ — $ 69,568 Charge-offs (175,479 ) (163,203 ) (46,996 ) (113,150 ) (5,906 ) (504,734 ) Recoveries 122,138 24,201 10,041 41,457 3,603 201,440 Net charge-offs (53,341 ) (139,002 ) (36,955 ) (71,693 ) (2,303 ) (303,294 ) Provision for losses 52,263 138,420 35,674 86,299 2,303 314,959 Effect of foreign currency translation (418 ) (300 ) — (1,131 ) — (1,849 ) Balance, end of period $ 4,419 $ 42,873 $ 12,191 $ 19,901 $ — $ 79,384 Allowance for loan losses as a percentage of gross loan receivables 5.4 % 20.0 % 13.1 % 9.6 % N/A 13.3 % The following table summarizes activity in the liability for losses on CSO lender-owned consumer loans during the year ended December 31, 2018 : Year Ended December 31, 2018 (in thousands) Unsecured Installment Secured Installment Total Balance, beginning of period $ 17,073 $ 722 $ 17,795 Charge-offs (165,266 ) (4,469 ) (169,735 ) Recoveries 32,341 3,333 35,674 Net charge-offs (132,925 ) (1,136 ) (134,061 ) Provision for losses 127,434 839 128,273 Balance, end of period $ 11,582 $ 425 $ 12,007 The following table summarizes activity in the allowance for loan losses and the liability for losses on CSO lender-owned consumer loans, in total, during the year ended December 31, 2018 : Year Ended December 31, 2018 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 5,915 $ 60,828 $ 14,194 $ 6,426 $ — $ 87,363 Charge-offs (175,479 ) (328,469 ) (51,465 ) (113,150 ) (5,906 ) (674,469 ) Recoveries 122,138 56,542 13,374 41,457 3,603 237,114 Net charge-offs (53,341 ) (271,927 ) (38,091 ) (71,693 ) (2,303 ) (437,355 ) Provision for losses 52,263 265,854 36,513 86,299 2,303 443,232 Effect of foreign currency translation (418 ) (300 ) — (1,131 ) — (1,849 ) Balance, end of period $ 4,419 $ 54,455 $ 12,616 $ 19,901 $ — $ 91,391 The following table summarizes activity in the allowance for loan losses during the year ended December 31, 2017 : Year Ended December 31, 2017 (dollars in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 5,501 $ 17,775 $ 10,737 $ 5,179 $ — $ 39,192 Charge-offs (190,623 ) (88,694 ) (30,005 ) (39,752 ) (5,254 ) (354,328 ) Recoveries 127,184 18,002 9,517 18,743 3,291 176,737 Net charge-offs (63,439 ) (70,692 ) (20,488 ) (21,009 ) (1,963 ) (177,591 ) Provision for losses 63,760 96,150 23,223 22,245 1,963 207,341 Effect of foreign currency translation 93 522 — 11 — 626 Balance, end of period $ 5,915 $ 43,755 $ 13,472 $ 6,426 $ — $ 69,568 Allowance for loan losses as a percentage of gross loan receivables 6.0 % 22.3 % 15.1 % 13.4 % N/A 16.1 % The following table summarizes activity in the liability for losses on CSO lender-owned consumer loans during the year ended December 31, 2017 : Year Ended December 31, 2017 (in thousands) Single-Pay Unsecured Installment Secured Installment Total Balance, beginning of period $ 274 $ 15,630 $ 1,148 $ 17,052 Charge-offs (2,121 ) (141,429 ) (10,551 ) (154,101 ) Recoveries 1,335 30,230 4,394 35,959 Net charge-offs (786 ) (111,199 ) (6,157 ) (118,142 ) Provision for losses 512 112,642 5,731 118,885 Balance, end of period $ — $ 17,073 $ 722 $ 17,795 The following table summarizes activity in the allowance for loan losses and the liability for losses on CSO lender-owned consumer loans, in total, during the year ended December 31, 2017 : Year Ended December 31, 2017 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 5,775 $ 33,405 $ 11,885 $ 5,179 $ — $ 56,244 Charge-offs (192,744 ) (230,123 ) (40,556 ) (39,752 ) (5,254 ) (508,429 ) Recoveries 128,519 48,232 13,911 18,743 3,291 212,696 Net charge-offs (64,225 ) (181,891 ) (26,645 ) (21,009 ) (1,963 ) (295,733 ) Provision for losses 64,272 208,792 28,954 22,245 1,963 326,226 Effect of foreign currency translation 93 522 — 11 — 626 Balance, end of period $ 5,915 $ 60,828 $ 14,194 $ 6,426 $ — $ 87,363

CREDIT SERVICES ORGANIZATION

CREDIT SERVICES ORGANIZATION	12 Months Ended
	Dec. 31, 2018
Guarantees [Abstract]
CREDIT SERVICES ORGANIZATION	CREDIT SERVICES ORGANIZATION The CSO fee receivable amounts under our CSO programs were $14.3 million and $14.5 million at December 31, 2018 and December 31, 2017 , respectively. As noted, we bear the risk of loss through our guarantee to purchase any defaulted customer loans from the lenders. The terms of these loans range from six to 18 months. This guarantee represents an obligation to purchase specific loans that go into default. (See Note 1, "Significant Accounting Policies and Nature of Operations" for a description of our accounting policies). As of December 31, 2018 and December 31, 2017 , the maximum amount payable under all such guarantees was $66.9 million and $65.2 million , respectively. If we are required to pay any portion of the total amount of the loans we have guaranteed, we will attempt to recover some or the entire amount from the customers. We hold no collateral in respect of the guarantees. We estimate a liability for losses associated with the guaranty provided to the CSO lenders using assumptions and methodologies similar to the allowance for loan losses, which we recognize for our consumer loans. Our liability for incurred losses on CSO loans guaranteed by the Company was $12.0 million and $17.8 million at December 31, 2018 and December 31, 2017 , respectively. We have placed $17.2 million and $17.9 million in collateral accounts for the lenders at December 31, 2018 and December 31, 2017 , respectively, which is reflected in "Prepaid expenses and other" in the Consolidated Balance Sheets. The balances required to be maintained in these collateral accounts vary by lender but are typically based on a percentage of the outstanding loan balances held by the lender. The percentage of outstanding loan balances required for collateral is negotiated between us and each such lender.

ACCOUNTS PAYABLE AND ACCRUED LI

ACCOUNTS PAYABLE AND ACCRUED LIABILITIES	12 Months Ended
	Dec. 31, 2018
Payables and Accruals [Abstract]
ACCOUNTS PAYABLE AND ACCRUED LIABILITIES	ACCOUNTS PAYABLE AND ACCRUED LIABILITIES Components of Accounts payable and accrued liabilities were as follows: December 31, December 31, (in thousands) 2018 2017 Trade accounts payable $ 26,379 $ 22,483 Money orders payable 7,822 8,131 Accrued taxes, other than income taxes 1,038 678 Accrued payroll and fringe benefits 14,581 18,890 Reserve for store closure costs 2,063 4,419 Other accrued liabilities 5,399 1,191 Total $ 57,282 $ 55,792

RESTRUCTURING COSTS

RESTRUCTURING COSTS	12 Months Ended
	Dec. 31, 2018
Restructuring and Related Activities [Abstract]
RESTRUCTURING COSTS	RESTRUCTURING COSTS In the third quarter of 2017, we closed our remaining 13 Speedy Cash branch locations in the U.K. Our financial results for the year ended December 31, 2017 included $7.4 million of related charges, primarily $5.9 million for the remaining net cash obligations for store leases and related costs and $1.5 million for the write-off of fixed assets and leasehold improvements. During 2016, we eliminated certain corporate positions in our Canadian headquarters and closed six stores in Texas, which were all underperforming stores that were acquired as part of the Money Box acquisition. Our results for the year ended December 31, 2016 included charges related to these store closures primarily consisting of remaining lease obligations and the write-down and loss on the disposal of fixed assets. We also closed one store in Missouri in 2016 that was damaged by a fire. We had no restructuring costs during the year ended December 31, 2018. Impairments, store closure costs and severance costs for the years ended December 31, 2018 , 2017 and 2016 were as follows: Year Ended December 31, (in thousands) 2018 2017 2016 Lease obligations and related costs $ — $ 5,883 $ 1,620 Write-down and loss on disposal of fixed assets — 1,510 772 Severance costs — — 1,226 Total restructuring costs $ — $ 7,393 $ 3,618 Activity for the restructuring reserve for the years ended December 31, 2018 and 2017 was as follows: Year Ended December 31, (in thousands) 2018 2017 Balance, beginning of period $ 4,419 $ 1,258 Additions and adjustments — 7,393 Payments and write-downs (2,356 ) (4,232 ) Balance, end of period $ 2,063 $ 4,419 Closed store reserves are included in “Accounts payable and accrued liabilities” in the Consolidated Balance Sheets. On January 17, 2019, we completed a reduction in force which eliminated 121 positions in North America, representing 2.8% of our global headcount as of December 31, 2018. See Note 24, "Subsequent Events" for additional information.

LONG-TERM DEBT

LONG-TERM DEBT	12 Months Ended
	Dec. 31, 2018
Debt Disclosure [Abstract]
LONG-TERM DEBT	LONG-TERM DEBT Long-term debt consisted of the following: December 31, December 31, (in thousands) 2018 2017 8.25% Senior Secured Notes (due 2025) $ 676,661 $ — 12.00% Senior Secured Notes (due 2022) — 585,823 Non-Recourse U.S. SPV Facility — 120,402 Non-Recourse Revolving Canada SPV Facility 107,479 — Senior Revolver 20,000 — Cash Money Revolving Credit Facility — — Long-term debt $ 804,140 $ 706,225 8.25% Senior Secured Notes In August 2018, we issued our 8.25% Senior Secured Notes which mature on September 1, 2025 ("8.25% Senior Secured Notes"). Interest on the notes is payable semiannually, in arrears, on March 1 and September 1. In connection with the 8.25% Senior Secured Notes, we capitalized financing costs of approximately $13.3 million , the balance of which is included in the Consolidated Balance Sheets as a component of "Long-term debt," and is being amortized over the term of the 8.25% Senior Secured Notes and included as a component of interest expense. The proceeds of this issuance were used to (i) redeem the outstanding 12.00% Senior Secured Notes of CFTC, our wholly-owned subsidiary, (ii) to repay the outstanding indebtedness under the five -year revolving credit facility of CURO Receivables Finance I, LLC, our wholly-owned subsidiary ("CURO Receivables"), which consisted of a term loan and revolving borrowing capacity, (iii) for general corporate purposes and (iv) to pay fees, expenses, premiums and accrued interest in connection therewith. As of December 31, 2018, we were in full compliance with the covenants and other provisions of the 8.25% Senior Secured Notes. 12.00% Senior Secured Notes In February and November 2017, CFTC issued $470.0 million and $135.0 million , respectively, of 12.00% Senior Secured Notes due 2022 (" 12.00% Senior Secured Notes"). Interest on the 12.00% Senior Secured Notes was payable semiannually, in arrears, on March 1 and September 1 of each year, beginning on September 1, 2017. The February 2017 issuance refinanced similar notes that were nearing maturity. The refinancing was treated as an extinguishment and resulted in a pretax loss of $12.5 million during the nine months ended September 30, 2017. In connection with these 2017 debt issuances, we capitalized financing costs of approximately $18.3 million , the balance of which is included in the Consolidated Balance Sheets as a component of "Long-term debt," and was being amortized over the term of the 12.00% Senior Secured Notes and included as a component of interest expense. On March 7, 2018, CFTC redeemed $77.5 million of its 12.00% Senior Secured Notes using a portion of the proceeds from our IPO as required by the underlying indentures (the transaction whereby the 12.00% Senior Secured Notes were partially redeemed, the “Redemption”) at a price equal to 112.00% of the principal amount of the 12.00% Senior Secured Notes redeemed, plus accrued and unpaid interest paid thereon to the date of Redemption. Following the Redemption, $527.5 million of the original outstanding principal amount of the 12.00% Senior Secured Notes remained outstanding. The Redemption was conducted pursuant to the Indenture governing the 12.00% Senior Secured Notes (the “Indenture”), dated as of February 15, 2017, by and among CFTC, the guarantors party thereto and TMI Trust Company, as trustee and collateral agent. The remainder of the 12.00% Senior Secured Notes were extinguished effective September 7, 2018 as a result of the issuance of the 8.25% Senior Secured Notes as described above. The extinguishment of the 12.00% Senior Secured Notes resulted in a pretax loss of $69.2 million during the year ended December 31, 2018. Refer to Note 24, "Subsequent Events" for additional discussion of the SOA and Administration process as related to the 8.25% Senior Secured Notes. Non-Recourse U.S. SPV Facility In November 2016, CURO Receivables and a wholly-owned subsidiary, entered into a five -year revolving credit facility with Victory Park Management, LLC and certain other lenders that provides for an $80.0 million term loan and $70.0 million of revolving borrowing capacity that can expand over time (“Non-Recourse U.S. SPV Facility”). The loans bear interest at an annual rate of up to 12.00% plus the greater of (i) 1.0% per annum and (ii) the three-month LIBOR. CURO Receivables also pays a 0.50% per annum commitment fee on the unused portion of the commitments. In connection with this facility, we capitalized financing costs of approximately $5.3 million , the balance of which is included in the Consolidated Balance Sheets as a component of "Long-term debt" and is being amortized over the term of the Non-Recourse U.S. SPV Facility. In September 2018, a portion of the proceeds from the 8.25% Senior Secured Notes were used to extinguish the revolver's balance of $42.4 million . In October 2018, we extinguished the remaining term loan balance of $80.0 million . We made the final termination payment of $2.7 million on October 26, 2018, resulting in a loss on the extinguishment of debt of $9.7 million for the year ended December 31, 2018 . Non-Recourse Canada SPV Facility In August 2018, CURO Canada Receivables Limited Partnership, a newly created, bankruptcy-remote special purpose vehicle (the “Canada SPV Borrower”) and a wholly-owned subsidiary, entered into a four -year revolving credit facility with Waterfall Asset Management, LLC that provides for C $175.0 million of initial borrowing capacity and the ability to expand such capacity up to C $250.0 million (“Non-Recourse Canada SPV Facility”). The loans bear interest at an annual rate of 6.75% plus the three-month CDOR. The Canada SPV Borrower also pays a .50% per annum commitment fee on the unused portion of the commitments. This facility matures in 2022. As of December 31, 2018, the Canada SPV Borrower was in full compliance with the covenants and other provisions of the Non-Recourse Canada SPV Facility. As of December 31, 2018 , the carrying amount of outstanding borrowings from the Non-Recourse Canada SPV Facility was $ 107.5 million . For further information on Non-Recourse Canada SPV, refer to Note 5, "Variable Interest Entities." Senior Revolver On September 1, 2017, we entered into a $25.0 million Senior Secured Revolving Loan Facility (the “Senior Revolver”). The terms of the Senior Revolver generally conform to the related provisions in the Indenture dated February 15, 2017 for our 12.00% Senior Secured Notes due 2022 and complements our other financing sources, while providing seasonal short-term liquidity. In February 2018, the Senior Revolver capacity was increased to $29.0 million as permitted by the Indenture to the 12.00% Senior Secured Notes based upon consolidated tangible assets. Additionally, in November 2018, the Senior Revolver capacity was increased to $50.0 million as permitted by the Indenture to the 8.25% Senior Secured Notes. The Senior Revolver is now syndicated with participation by four banks. Under the Senior Revolver, there is $50.0 million maximum availability, including up to $5.0 million of standby letters of credit, for a one -year term, renewable for successive terms following annual review. The Senior Revolver accrues interest at the one -month LIBOR plus 5.00% (subject to a 5% overall rate minimum) and is repayable on demand. The terms of the Senior Revolver require that its outstanding balance be zero for at least 30 consecutive days in each calendar year. The Senior Revolver is guaranteed by all of our subsidiaries that guarantee our 8.25% Senior Secured Notes and is secured by a lien on substantially all assets of CURO and the guarantor subsidiaries that is senior to the lien securing our 8.25% Senior Secured Notes. The revolver had an outstanding balance of $20.0 million at December 31, 2018 . The Senior Revolver contains various conditions to borrowing and affirmative, negative and financial maintenance covenants. Certain of the more significant covenants are (i) minimum eligible collateral value, (ii) consolidated interest coverage ratio and (iii) consolidated leverage ratio. The Senior Revolver also contains various events of default, the occurrence of which could result in termination of the lenders’ commitments to lend and the acceleration of all our obligations under the Senior Revolver. As of December 31, 2018 , we were in full compliance with the covenants and other provisions of our Senior Revolver. In connection with this facility, we capitalized financing costs of approximately $0.1 million , the balance of which is included in the Consolidated Balance Sheets as a component of “Other assets,” and is being amortized over the term of the facility and included as a component of interest expense. ABL Facility On November 17, 2016, CURO Intermediate Holding Corp. ("CURO Intermediate") entered into a six -month recourse credit facility with Victory Park Management, LLC and certain other lenders which provided for $25.0 million of borrowing capacity, (“ABL Facility”). This facility matured in May 2017 and was fully converted to the Non-Recourse U.S. SPV Facility. The ABL Facility was secured by a first lien against our assets and the assets of CURO Intermediate and its domestic subsidiaries. The lender advanced to CURO Intermediate 80% of the principal balance of the eligible installment loans held by CURO Intermediate and its guarantor subsidiaries. As customer loan payments were received by CURO Intermediate and its guarantor subsidiaries, such payments were subjected to a conventional priority-of-payment waterfall provided the loan-to-value did not exceed 80% . The loans bore interest at an annual rate of up to 8.0% plus the greater of (i) 1.0% per annum and (ii) the three -month LIBOR. The ABL Facility provided that CURO Intermediate paid a 0.50% per annum commitment fee on the unused portion of the commitments and a 4.0% per annum monitoring fee on loans outstanding. Commitment terminations and voluntary prepayments of loans made prior to the 30th month anniversary of the closing date of the Non-Recourse U.S. SPV Facility are subject to a fee equal to 3.0% of the amount of revolving loan commitments terminated or loans voluntarily prepaid. Cash Money Revolving Credit Facility Cash Money Cheque Cashing, Inc., one of our Canadian subsidiaries ("Cash Money"), maintains a C $10 million revolving credit facility with Royal Bank of Canada, which increased from C $7.3 million in July 2018. The Cash Money Revolving Credit Facility provides short-term liquidity required to meet the working capital needs of our Canadian operations. Aggregate draws under the revolving credit facility are limited to the lesser of: (i) the borrowing base, which is defined as a percentage of cash, deposits in transit and accounts receivable, and (ii) C $10 million . As of December 31, 2018, the borrowing capacity under our revolving credit facility was reduced by C $0.3 million in stand-by-letters of credit. The Cash Money Revolving Credit Facility is collateralized by substantially all of Cash Money’s assets and contains various covenants that include, among other things, that the aggregate borrowings outstanding under the facility not exceed the borrowing base, restrictions on the encumbrance of assets and the creation of indebtedness. Borrowings under the Cash Money Revolving Credit Facility bear interest (per annum) at the prime rate of a Canadian chartered bank plus 1.95% . The Cash Money Revolving Credit Facility was undrawn at December 31, 2018 and December 31, 2017. Subordinated Stockholder Debt As part of the acquisition of Cash Money in 2011, we issued an Escrow Note to the seller which provided us indemnification for certain claims. This note bears interest at 10.0% per annum, and quarterly interest payments are due until the note matures in May 2019 . The balance of this note at December 31, 2018 and December 31, 2017 was $2.2 million and $2.4 million , respectively. 10.75% Senior Secured Notes Between May 2011 and February 2013, CURO Intermediate issued a total of $440.0 million of 10.75% Senior Secured Notes due May 2018. In September 2016, CURO Intermediate made an open-market purchase of $25.1 million of the outstanding May 2011 10.75% Senior Secured Notes at 71.25% of the principal plus accrued and unpaid interest of $1.0 million and recognized a gain on early extinguishment of $7.0 million related to the discount on repurchase, net of unamortized deferred financing costs and fees. In connection with the issuances of the 10.75% Senior Secured Notes, we incurred $16.0 million of financing costs, the balance of which were included in the Consolidated Balance Sheet as a direct reduction of Long-term debt. Interest was paid semi-annually on May 15 and November 15 of each applicable year. In February 2017, proceeds from the issuance of the 12.00% Senior Secured Notes were used, together with available cash, to redeem the outstanding 10.75% Senior Secured Notes due 2018. 12.00% Senior Cash Pay Notes In February 2013, Speedy Group issued $125.0 million of 12.00% Senior Cash Pay Notes due November 15, 2017. In connection with this borrowing, we incurred $3.4 million of financing costs that were recorded as a direct reduction of Long-term debt and amortized over the term of the notes as a component of interest expense. These notes were redeemed in February 2017 using proceeds from the 12.00% Senior Secured Notes, together with available cash. Ranking and Guarantees The 8.25% Senior Secured Notes rank senior in right of payment to all of our and our guarantor entities’ existing and future subordinated indebtedness and equal in right of payment with all of our and our guarantor entities’ existing and future senior indebtedness, including borrowings under our revolving credit facilities. Pursuant to our Inter-creditor Agreement, these notes and the guarantees will be effectively subordinated to our credit facilities and certain other indebtedness to the extent of the value of the assets securing such indebtedness and to liabilities of our subsidiaries that are not guarantors. The 8.25% Senior Secured Notes are secured by liens on substantially all of our and the guarantors’ assets, subject to certain exceptions. At any time prior to September 1, 2021, we may redeem (i) up to 40% of the aggregate principal amount of the notes at a price equal to 108.2% of the principal amount, plus accrued and unpaid interest, if any, to the applicable redemption date with the net proceeds to us of certain equity offerings; and (ii) some or all of the notes at a make-whole price. On or after September 1, 2021, we may redeem some or all of the Notes at a premium that will decrease over time, plus accrued and unpaid interest, if any, to the applicable date of redemption. The redemption price for the notes if redeemed during the 12 months beginning (i) September 1, 2021 is 104.1% , (ii) September 1, 2022 is 102.1% and (iii) on or after September 1, 2023 is 100.0% . Future Maturities of Long-Term Debt Annual maturities of outstanding long-term debt for each of the five years after December 31, 2018 are as follows: (in thousands) Amount 2019 $ 20,000 2020 — 2021 — 2022 111,335 2023 — Thereafter 690,000 Long-term debt (before deferred financing costs and discounts) 821,335 Less: deferred financing costs and discounts 17,195 Long-term debt, net $ 804,140

SHARE-BASED COMPENSATION

SHARE-BASED COMPENSATION	12 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
SHARE-BASED COMPENSATION	SHARE-BASED COMPENSATION The 2010 Equity Incentive Plan (the “2010 Plan”) was originally approved by our stockholders in November 2010, and amended in December 2013. The 2010 Plan provides for the issuance of up to 2,160,000 shares, subject to certain adjustment provisions, and provides for grants of stock options, restricted stock, and stock grants. Awards may be granted to employees, consultants and our directors. In conjunction with approval of the 2017 Incentive Plan, no new awards will be granted under the 2010 Plan. The 2017 Incentive Plan was approved by our stockholders on November 8, 2017. The 2017 Incentive Plan provides for the issuance of up to 5,000,000 shares, subject to certain adjustment provisions described in the 2017 Incentive Plan, for the granting of stock options, restricted stock awards, restricted stock units, stock appreciation rights, performance awards and other awards that may be settled in or based upon our common stock. Awards may be granted to officers, employees, consultants and directors of the Company. The 2017 Incentive Plan provides that shares of common stock subject to awards granted become available for issuance if such awards expire, terminate, are canceled for any reason or are forfeited by the recipient. Stock Options Stock options are awards which allow the grantee to purchase shares of our common stock at prices equal to the fair value at the date of grant. Stock options granted under the 2010 Plan typically vest at a rate of 20% per year over a 5 -year period, have a term of 10 years and are subject to limitations on transferability. We did no t grant stock option awards in 2018. For the year ended December 31, 2017, the fair value of the options granted was calculated at each grant date using a Black-Scholes option-pricing model which assumed the following weighted average assumptions: expected volatility of 45.3% , expected term of 6.1 years , risk-free interest rate of 2.2% , and no expected dividends. For the year ended December 31, 2016, the fair value of the options granted was calculated at each grant date using a Black-Scholes option-pricing model which assumed the following weighted average assumptions: risk free interest rate of 1.9% , expected term of options of 6.0 years , expected volatility of 44.7% and no expected dividends. Estimates of fair value are not intended to predict actual future events or the value ultimately realized by individuals who receive equity awards, and subsequent events are not indicative of the reasonableness of our original estimates of fair value. We have estimated the expected term of our stock options using a formula considering the weighted average vesting term and the original contract term. The expected volatility is estimated based upon the historical volatility of publicly traded stocks from our industry sector (the alternative financial services sector). The expected risk-free interest rate is based on an average of various U.S. Treasury rates. Our share-based compensation is measured at the grant date, based on the fair value of the award, which we recognize on a straight-line basis over the requisite service period. We account for forfeitures as they occur in accordance with the election provided under ASU 2016-09. See Note 1, "Summary of Significant Accounting Policies and Nature of Operations" for additional information on our share-based compensation. The following table summarizes our stock option activity for the years ended December 31, 2018 , 2017 and 2016: Stock Options Weighted Average Exercise Price Weighted Average Grant Date Fair Value Weighted Average Remaining Contractual Term (years) Aggregate Intrinsic Value (in millions) Outstanding at January 1, 2016 1,919,628 $ 2.34 Granted 461,808 $ 3.66 $ 1.67 Exercised — $ — Forfeited (502,128 ) $ 2.08 Outstanding at December 31, 2016 1,879,308 $ 2.73 4.6 $ 2.1 Granted 99,396 $ 8.86 $ 4.11 Exercised — $ — Forfeited (1,224 ) $ 3.39 Outstanding at December 31, 2017 1,977,480 $ 3.04 5.2 $ 21.8 Granted — $ — $ — Exercised (500,924 ) $ 1.46 $ 4.0 Forfeited (31,224 ) $ 4.03 $ 1.84 Outstanding at December 31, 2018 1,445,332 $ 3.56 3.7 $ 8.6 Options exercisable at December 31, 2018 1,150,972 $ 1.90 2.7 $ 7.2 Restricted Stock Units Grants of restricted stock units ("RSUs") are valued at the date of grant based on the value of our common stock and are expensed using the straight-line method over the service period. Grants of RSUs do not confer full stockholder rights such as voting rights and cash dividends, but provide for additional dividend equivalent RSU awards in lieu of cash dividends. Grants of RSUs made through December 31, 2018 are subject to time-based vesting, typically over a three -year period. Unvested RSUs may be forfeited upon termination of employment depending on the circumstances of the termination, or failure to achieve the required performance condition, if applicable. A summary of the activity of unvested RSUs for the years ended December 31, 2018 and 2017 is presented in the following table: Restricted Stock Units Weighted Average Grant Date Fair Value January 1, 2017 — — Granted 1,516,241 $ 14.00 Vested — — Forfeited — — December 31, 2017 1,516,241 $ 14.00 Granted 73,663 $ 18.20 Vested (508,126 ) $ 14.00 Forfeited (21,428 ) $ 14.00 December 31, 2018 1,060,350 $ 14.29 Share-based compensation expense included in the Consolidated Statements of Operations as a component of Corporate expenses is summarized in the following table: (in thousands) 2018 2017 2016 Pre-tax share-based compensation expense $ 8,210 $ 965 $ 1,148 Income tax benefit (2,217 ) (386 ) (459 ) Total share-based compensation expense, net of tax $ 5,993 $ 579 $ 689 As of December 31, 2018 , there was $14.5 million of unrecognized compensation cost related to share-based awards, which we will recognize over a weighted-average period of 2.0 years.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES Income before taxes and income tax expense (benefit) was comprised of the following: Year Ended December 31, (in thousands) 2018 2017 2016 Income (loss) before taxes: U.S. tax jurisdictions $ 19,300 $ 70,323 $ 75,555 Non-U.S. tax jurisdictions (39,864 ) 21,406 32,466 Total income (loss) before taxes $ (20,564 ) $ 91,729 $ 108,021 Current tax provision (benefit) Federal $ (7,587 ) $ 20,829 $ 24,508 State (1,497 ) 2,445 5,495 Foreign 7,748 10,542 13,254 Total current provision (benefit) (1,336 ) 33,816 43,257 Deferred tax provision (benefit) Federal 7,471 6,283 186 State 631 2,647 (134 ) Foreign (5,277 ) (170 ) (732 ) Total deferred tax provision (benefit) 2,825 8,760 (680 ) Total provision for income taxes $ 1,489 $ 42,576 $ 42,577 The Tax Cuts and Jobs Act of 2017 (the "2017 Tax Act”) enacted various changes to the U.S. federal corporate tax law. Some of the most significant provisions impacting us include a reduced U.S. corporate income tax rate from 35% to 21% effective in 2018 and a one-time “deemed repatriation” tax on unremitted earnings accumulated in non-U.S. jurisdictions. Pursuant to ASC 740, Income Taxes , we recognized the effects of changes in tax laws and rates on deferred tax assets and liabilities. The total impact of the 2017 Tax Act was comprised of expense of $6.5 million related to the deemed repatriation of unremitted earnings of foreign subsidiaries ( $8.1 million provisional expense in 2017 and a benefit of $1.6 million in 2018) and a benefit of $4.2 million related to the remeasurement of our net deferred tax liabilities arising from a lower U.S. corporate tax rate. The remaining provisions of the 2017 Tax Act are not expected to have a material impact on our results of operations or financial condition. The benefit associated with the remeasurement of our net deferred tax liabilities arising from a lower U.S. corporate tax rate will be recognized as cash benefits at varying times as related assets and liabilities impact current tax expense. As of December 31, 2018 , we had undistributed earnings of certain foreign subsidiaries of $170.4 million . We intend to reinvest our foreign earnings indefinitely in our non-U.S. operations and therefore have not provided for any non-U.S. withholding tax that would be assessed on dividend distributions. If the earnings of $170.4 million were distributed to the U.S., we would be subject to estimated Canadian withholding taxes of approximately $8.5 million . In the event the earnings were distributed to the U.S., we would adjust our income tax provision for the period and would determine the amount of foreign tax credit that would be available. The sources of deferred income tax assets (liabilities) are summarized as follows: Year Ended December 31, (in thousands) 2018 2017 Deferred tax assets related to: Loans receivable $ — $ 1,027 Accrued expenses and other reserves 3,267 3,668 Compensation accruals 4,974 3,921 Deferred revenue 78 86 State and provincial net operating loss carryforwards 1,611 822 Foreign net operating loss and capital loss carryforwards 18,008 15,850 Gross deferred tax assets 27,938 25,374 Less: Valuation allowance (22,176 ) (17,573 ) Net deferred tax assets $ 5,762 $ 7,801 Deferred tax liabilities related to: Property and equipment $ (3,126 ) $ (2,776 ) Goodwill and other intangible assets (14,508 ) (15,395 ) Prepaid expenses and other assets (197 ) (344 ) Loans receivable (127 ) — Gross deferred tax liabilities (17,958 ) (18,515 ) Net deferred tax liabilities $ (12,196 ) $ (10,714 ) Deferred tax assets and liabilities are included in the following line items in the Consolidated Balance Sheets: Year Ended December 31, (in thousands) 2018 2017 Net current deferred tax assets $ 1,534 $ 772 Net long-term deferred tax liabilities (13,730 ) (11,486 ) Net deferred tax liabilities $ (12,196 ) $ (10,714 ) Differences between our effective income tax rate computed on net earnings or loss before income taxes and the statutory federal income tax rate were as follows: Year Ended December 31, (dollars in thousands) 2018 2017 2016 Income tax (benefit) expense using the statutory federal rate in effect $ (4,319 ) $ 32,105 $ 37,807 Tax effect of: Effects of foreign rates different than U.S. statutory rate 759 (5,370 ) (7,569 ) State, local and provincial income taxes, net of federal benefit 334 7,164 9,045 Tax credits (116 ) (450 ) (713 ) Nondeductible expenses 77 536 521 Impact of goodwill impairment charges 4,338 — — Foreign exchange gain/loss on intercompany loan (296 ) 899 — Valuation allowance 5,186 2,393 3,129 Deferred remeasurement — 886 205 Repatriation tax (1,610 ) 8,100 — Deferred remeasurement due to the 2017 Tax Act — (4,162 ) — Share-based compensation (3,081 ) — — Other 217 475 152 Total provision for income taxes $ 1,489 $ 42,576 $ 42,577 Effective income tax rate (7.2 )% 46.4 % 39.4 % Statutory federal income tax rate 21.0 % 35.0 % 35.0 % At December 31, 2018 and December 31, 2017 , we had no reserves related to uncertain tax positions. The tax years 2015 through 2017 remain open to examination by the taxing authorities in the U.S. The tax years 2011 through 2017 remain open to examination by the taxing authorities in the U.K. The tax years 2013 through 2017 remain open to examination by the taxing authorities in Canada. We expect no material change related to our current positions in recorded unrecognized income tax benefit liability in the next 12 months. We file income tax returns in U.S. federal and various state jurisdictions, Canada (including provinces) and the U.K. A summary of the valuation allowance was as follows: Year Ended December 31, (in thousands) 2018 2017 2016 Balance at the beginning of year $ 17,573 $ 14,072 $ 13,097 Revaluation of valuation allowance due to change in statutory rates — — (1,234 ) Increase to balance charged as expense 5,186 2,393 3,129 (Decrease) increase to balance charged to Other Comprehensive Income — (101 ) 1,627 Effect of foreign currency translation (583 ) 1,209 (2,547 ) Balance at end of year $ 22,176 $ 17,573 $ 14,072 As of December 31, 2018 , our foreign net operating loss carryforwards were approximately $18.9 million . The U.K. net operating loss carryforwards do not expire and can be used at any time until the U.K. Subsidiaries cease to exist. The Canadian net operating loss carryforwards expire after 20 years. As of December 31, 2018 , we had $2.6 million of deferred tax assets on foreign entities with foreign operating loss carryforwards. We do not expect to have taxable income in the near future in these jurisdictions. As of December 31, 2018, we had an $18.9 million valuation allowance related to these foreign operating losses and a $2.6 million valuation allowance related to the deferred tax assets. As of December 31, 2018 , we had state net operating loss carryforwards of $0.7 million . These carryforwards expire in varying amounts in years 2019 through 2037 and exist in states in which we may have taxable income in the near future. We have recorded a valuation allowance of $0.7 million related to these state net operating losses. As of December 31, 2018 , we have a state tax credit carryforward of $0.3 million . During the years ended December 31, 2018 , 2017 and 2016 we did no t record any estimated interest or penalties.

FINANCIAL INSTRUMENTS AND CONCE

FINANCIAL INSTRUMENTS AND CONCENTRATIONS	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
FINANCIAL INSTRUMENTS AND CONCENTRATIONS	FINANCIAL INSTRUMENTS AND CONCENTRATIONS Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. We are required to use valuation techniques that are consistent with the market approach, income approach and/or cost approach. Inputs to valuation techniques refer to the assumptions that market participants would use in pricing the asset or liability based on observable market data obtained from independent sources, or unobservable, meaning those that reflect our own estimate about the assumptions market participants would use in pricing the asset or liability based on the best information available in the circumstances. Accounting standards establish a three-level fair value hierarchy based upon the assumptions (inputs) used to price assets or liabilities. The hierarchy requires us to maximize the use of observable inputs and minimize the use of unobservable inputs. The three levels of inputs used to measure fair value are listed below. Level 1 – Inputs are unadjusted quoted prices in active markets for identical assets or liabilities that we have access to at the measurement date. Level 2 – Inputs include quoted market prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability and inputs that are derived principally from or corroborated by observable market data by correlation or other means (market corroborated inputs). Level 3 – Unobservable inputs reflecting our own judgments about the assumptions market participants would use in pricing the asset or liability because limited market data exists. We develop these inputs based on the best information available, including our own data. Financial Assets and Liabilities Not Measured at Fair Value The table below presents the assets and liabilities that were not measured at fair value at December 31, 2018 . Estimated Fair Value (in thousands) Carrying Value December 31, Level 1 Level 2 Level 3 December 31, 2018 Financial assets: Cash $ 71,034 $ 71,034 $ — $ — $ 71,034 Restricted cash 28,823 28,823 — — 28,823 Loans receivable, net 596,787 — — 517,403 517,403 Investment in Cognical 6,558 — — 6,558 6,558 Financial liabilities: Liability for losses on CSO lender-owned consumer loans $ 12,007 $ — $ — $ 12,007 $ 12,007 8.25% Senior Secured Notes 676,661 — — 531,179 531,179 Non-Recourse Canada SPV facility 107,479 — — 111,335 111,335 Senior Revolver 20,000 — — 20,000 20,000 The table below presents the assets and liabilities that were not measured at fair value at December 31, 2017 . Estimated Fair Value (in thousands) Carrying Value December 31, Level 1 Level 2 Level 3 December 31, 2017 Financial assets: Cash $ 162,374 $ 162,374 $ — $ — $ 162,374 Restricted cash 12,117 12,117 — — 12,117 Loans receivable, net 363,269 — — 363,269 363,269 Investment in Cognical 5,600 — — 5,600 5,600 Financial liabilities: Liability for losses on CSO lender-owned consumer loans $ 17,795 $ — $ — $ 17,795 $ 17,795 12.00% Senior Secured Notes 585,823 — — 663,475 663,475 Non-Recourse U.S. SPV facility 120,402 — — 124,590 124,590 Loans receivable are carried on the Consolidated Balance Sheets net of the allowance for estimated loan losses. The unobservable inputs used to calculate the carrying values include quantitative factors, such as current default trends. Also considered in evaluating the accuracy of the models are changes to the loan portfolio mix, the impact of new loan products, changes to underwriting criteria or lending policies, new store development or entrance into new markets, changes in jurisdictional regulations or laws, recent credit trends and general economic conditions. The carrying value of loans receivable approximates their fair value. In connection with our CSO programs, the accounting for which is discussed in detail in Note 1, "Summary of Significant Accounting Policies and Nature of Operations, " we guarantee consumer loan payment obligations to unrelated third-party lenders for loans that we arrange for consumers on the third-party lenders’ behalf. We are required to purchase from the lender defaulted loans we have guaranteed. The fair value of our Senior Secured Notes was based on broker quotations. The fair values of the Non-Recourse U.S. SPV facility, Non-Recourse Canada SPV facility and the Senior Revolver were based on the cash needed for their respective final settlement. Derivative Financial Instrument During 2018, we entered into a series of cash flow hedges for which the hedging instruments were forward contracts to purchase GPB 10,400,000 that expired in October 2018. During 2016, we had a cash flow hedge for which the hedging instrument was a forward contract to sell GBP 4,800,000 that expired in May 2017. We performed an assessment that determined that all critical terms of the hedging instruments and the hedged transactions matched and as such qualitatively concluded that changes in the hedges' intrinsic value would completely offset the change in the expected cash flows based on changes in the currency's spot rate. Since the effectiveness of this hedge was assessed based on changes in the hedge’s intrinsic value, the change in the time value of the contract would be excluded from the assessment of hedge effectiveness. Changes in the hedge’s intrinsic value, to the extent that they were effective as a hedge, were recorded in "Other comprehensive income" in the Consolidated Statements of Operations. As of December 31, 2018 and 2017 , we recorded a realized loss of $0.6 million and $0.3 million , respectively, in our Consolidated Statement of Income associated with these hedges. Concentration Risk We are subject to regulation by federal, state and provincial governmental authorities that affect the products and services that we provide, particularly Single-Pay loans. The level and type of regulation for payday advance loans varies greatly by jurisdiction, ranging from jurisdictions with moderate regulations or legislation, to other jurisdictions having very strict guidelines and requirements. Revenues originated in Texas, Ontario and California represented approximately 24.9% , 11.0% and 18.3% , respectively, of our consolidated total revenues for the year ended December 31, 2018 . Revenues originated in Texas, Ontario and California represented approximately 25.6% , 12.9% and 17.7% , respectively, of our consolidated total revenues for the year ended December 31, 2017 . To the extent that laws and regulations are passed that affect the manner in which we conduct business in any one of those markets, our financial position, results of operations and cash flows could be adversely affected. Additionally, our ability to meet our financial obligations could be negatively impacted. We hold cash at major financial institutions that often exceed FDIC insured limits. We manage our concentration risk by placing our cash deposits in high quality financial institutions and by periodically evaluating the credit quality of the financial institutions holding such deposits. Historically, we have not experienced any losses due to such cash concentration. Financial instruments that potentially subject us to concentrations of credit risk primarily consist of our loans receivable. Concentrations of credit risk with respect to loans receivable are limited due to the large number of customers comprising our customer base. Purchase of Cognical Holdings Inc. Preferred Shares During 2017, we purchased 3,292,554 preferred shares of Cognical Holdings for $5.6 million . In February 2018, we purchased 560,872 additional preferred shares for $1.0 million . As a result of these transactions, we own 10.4% of the equity of Cognical Holdings as of December 31, 2018 . We also hold warrants, subject to a vesting, to purchase the common stock of Cognical Holdings in partial consideration of services provided by Cognical Holdings. We record these purchases in "Other" assets on our Consolidated Balance Sheets, and we have accounted for this investment and its related warrants using the fair value method of accounting. On February 8, 2019, we purchased 679,535 additional preferred shares of Cognical for $1.4 million . As a result of this transaction, our ownership increased from 10.4% to 11.7% of the equity of Cognical. Cognical operates under an online website, www.zibby.com . Zibby is a leasing platform for online, brick and mortar and omni-channel retailers. Customers can apply in 30 seconds in-store or via the Zibby button on a retailer’s website and be approved for $300 to $3,500 . Zibby increases retailer sales by providing a fast and easy lease payment option for nonprime customers seeking to acquire furniture, appliances, electronics and other consumer durables.

STOCKHOLDERS' EQUITY

STOCKHOLDERS' EQUITY	12 Months Ended
	Dec. 31, 2018
Stockholders' Equity Note [Abstract]
STOCKHOLDERS' EQUITY	STOCKHOLDERS' EQUITY In connection with our formation in 2013, the stockholders entered into an Investor Rights Agreement. In connection with the completion of our IPO, we entered into the Amended and Restated Investors Rights Agreement with certain of our existing stockholders, including the Founder Holders and the Freidman Fleisher & Lowe Capital Partners II, L.P. (and its affiliated funds, the “FFL Funds”), whom we collectively refer to as the "principal holders." Pursuant to this Amended and Restated Investors Rights Agreement, we agreed to register the sale of shares of our common stock held by the principal holders under certain circumstances. On December 6, 2017 we effected a 36 -for-1 split of our common stock, and on December 11, 2017, we increased the authorized number of shares of our common stock to 250,000,000 , consisting of 225,000,000 shares of common stock, with a par value of $0.001 per share and 25,000,000 shares of preferred stock, with a par value of $0.001 per share. All share and per share data have been retroactively adjusted for all periods presented to reflect the stock split as if the stock split had occurred at the beginning of the earliest period presented. We completed our IPO of 6,666,667 shares of common stock on December 11, 2017, at a price of $14.00 per share, which provided net proceeds of $81.1 million . On December 7, 2017, our stock began trading on the New York Stock Exchange ("NYSE") under the symbol "CURO." On January 5, 2018, the underwriters exercised their option to purchase additional shares at the IPO price, less the underwriting discount, which provided additional proceeds of $13.1 million . On March 7, 2018, we used a portion of the IPO net proceeds to redeem $77.5 million of the 12.00% Senior Secured Notes due 2022, together with related fees, expenses, premiums and accrued interest. In February 2017, CFTC paid us a $130.1 million dividend to fund the redemption of the 12.00% Senior Cash Pay Notes. We paid dividends of $28.0 million and $8.5 million to our stockholders in May 2017 and August 2017, respectively. On October 16, 2017, we declared a dividend of $5.5 million , which was paid to our stockholders on October 16, 2017. In connection with the issuance of $135.0 million of additional 12.00% Senior Secured Notes on November 2, 2017, CFTC paid a cash dividend in the amount of $140.0 million to us, and we declared a dividend of $140.0 million , which was paid to our stockholders on November 2, 2017.

SUPPLEMENTAL CASH FLOW INFORMAT

SUPPLEMENTAL CASH FLOW INFORMATION	12 Months Ended
	Dec. 31, 2018
Supplemental Cash Flow Elements [Abstract]
SUPPLEMENTAL CASH FLOW INFORMATION	SUPPLEMENTAL CASH FLOW INFORMATION Supplemental cash flow information was as follows: Year Ended December 31, (in thousands) 2018 2017 2016 Cash paid for: Interest $ 84,823 $ 60,054 $ 61,019 Income taxes 16,311 26,863 43,650 Non-cash investing activities: Payment for repurchase of May 2011 Senior Secured Notes accrued in accounts payable — — 18,939 Property and equipment accrued in accounts payable 1,718 1,631 3,338

SEGMENT REPORTING

SEGMENT REPORTING	12 Months Ended
	Dec. 31, 2018
Segment Reporting [Abstract]
SEGMENT REPORTING	SEGMENT REPORTING Segment information is prepared on the same basis that our chief operating decision maker reviews financial information for operational decision making purposes. We have three reportable operating segments: the U.S., Canada and the U.K. U.S. As of December 31, 2018 , we operated a total of 213 U.S. retail locations and we have an online presence in 27 states. We provide Single-Pay loans, Installment loans and Open-End loans, vehicle title loans, check cashing, gold buying, money transfer services, reloadable prepaid debit cards and a number of other ancillary financial products and services to our customers in the U.S. Canada. We operate under the Cash Money and LendDirect brands in Canada. As of December 31, 2018 , we operated a total of 200 stores across seven Canadian provinces and territories and we have an online presence in five provinces. We provide Single-Pay loans, Installment loans and Open-End loans, check cashing, money transfer services, foreign currency exchange, reloadable prepaid debit cards, and a number of other ancillary financial products and services to our customers in Canada. U.K. As a result of placing our U.K. Subsidiaries into administration on February 25, 2019, we ceased operations in the U.K. Prior to entering into administration, we operated under the Speedy Cash ®, WageDayAdvance and Juo Loans brands in the U.K. During 2017, we closed our remaining 13 retail Speedy Cash locations in the U.K. as we moved to focus on our online loans to U.K. customers, offered as WageDayAdvance and Juo Loans. For further information on U.K. segment developments leading to the administration, refer to Note 24, "Subsequent Events" . Management’s evaluation of segment performance utilizes gross margin and operating profit before the allocation of interest expense and professional services. The following reporting segment results reflect this basis for evaluation and were determined in accordance with the same accounting principles used in our consolidated financial statements. The following table presents summarized financial information concerning our reportable segments: Year Ended December 31, (in thousands) 2018 2017 2016 Revenues by segment: U.S. $ 853,141 $ 737,729 $ 606,798 Canada 191,932 186,408 188,078 U.K. 49,238 39,496 33,720 Consolidated revenue $ 1,094,311 $ 963,633 $ 828,596 Gross margin by segment: U.S. $ 284,828 $ 267,215 $ 204,328 Canada 40,642 67,950 78,639 U.K. 15,427 14,072 10,289 Consolidated gross margin $ 340,897 $ 349,237 $ 293,256 Segment operating income (loss): U.S. $ 1,117 $ 51,459 $ 56,778 Canada 17,001 50,797 60,482 U.K. (38,682 ) (10,527 ) (9,239 ) Consolidated operating profit $ (20,564 ) $ 91,729 $ 108,021 Expenditures for long-lived assets by segment: U.S. $ 11,105 $ 7,405 $ 10,125 Canada 2,928 1,309 5,872 U.K. 232 1,043 29 Consolidated expenditures for long-lived assets $ 14,265 $ 9,757 $ 16,026 The following table provides the proportion of gross loans receivable by segment: (in thousands) December 31, December 31, U.S. $ 361,473 $ 308,696 Canada 210,058 104,551 U.K. 25,256 19,590 Total gross loans receivable $ 596,787 $ 432,837 The following table presents our net long-lived assets, comprised of property and equipment, by segment. These amounts are aggregated on a legal entity basis and do not necessarily reflect where the asset is physically located: (in thousands) December 31, 2018 December 31, 2017 U.S. $ 47,918 $ 52,627 Canada 28,832 32,924 U.K. (1) — 1,535 Total $ 76,750 $ 87,086 (1) As previously noted, we ceased operations in the U.K. and fully impaired the U.K. property and equipment as of December 31, 2018 which resulted in an impairment charge of $1.3 million and is included in "Impairment charge on intangible asset and property and equipment" in on our Consolidated Statements of Operations. Our chief operating decision maker does not review assets by segment for purposes of allocating resources or decision-making purposes; therefore, total assets by segment are not disclosed.

CONTINGENT LIABILITIES

CONTINGENT LIABILITIES	12 Months Ended
	Dec. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
CONTINGENT LIABILITIES	CONTINGENT LIABILITIES Securities Litigation On December 5, 2018, a putative securities fraud class action lawsuit was filed against us and our chief executive officer, chief financial officer and chief operating officer in the United States District Court for the District of Kansas, captioned Yellowdog Partners, LP v. CURO Group Holdings Corp., Donald F. Gayhardt, William Baker and Roger W. Dean , Civil Action No. 18-2662. The complaint alleges that we and the individual defendants violated Section 10(b) of the Exchange Act and that the individual defendants also violated Section 20(a) of the Exchange Act as “control persons” of CURO. Plaintiffs purport to bring these claims on behalf of a class of our investors who purchased our stock between July 31, 2018 and October 24, 2018. Plaintiffs allege generally that, during the putative class period, we made misleading statements and omitted material information regarding our efforts to transition our Canadian inventory of products from Single-Pay loans to Open-End loans. Plaintiffs assert that we and the individual defendants made these misstatements and omissions to keep our stock price high. Plaintiffs seek unspecified damages and other relief. While we intend to vigorously contest this lawsuit, we cannot determine the final resolution or when it might be resolved. In addition to the expenses incurred in defending this litigation and any damages that may be awarded in the event of an adverse ruling, our management’s efforts and attention may be diverted from the ordinary business operations to address these claims. Regardless of the outcome, this litigation may have a material adverse impact on our results because of defense costs, including costs related to our indemnification obligations, diversion of resources and other factors. Reimbursement Offer; Possible Changes in Payment Practices During 2017, it was determined that a limited universe of borrowers may have incurred bank overdraft or non-sufficient funds fees because of possible confusion about certain electronic payments we initiated on their loans. As a result, we decided to reimburse such fees through payments or credits against outstanding loan balances, subject to per-customer dollar limitations, upon receipt of (i) claims from potentially affected borrowers stating that they were in fact confused by our practices and (ii) bank statements from such borrowers showing that fees for which reimbursement is sought were incurred at a time that such borrowers might reasonably have been confused about our practices. As of September 30, 2018, net of payments made, we no longer had a liability for this matter. In June 2018, we discontinued the use of secondary payment cards for affected borrowers referenced above who did not explicitly reauthorize the use of secondary payment cards. For those borrowers, in the event we cannot obtain payment through the bank account or payment card listed on the borrower’s application, we will need to rely exclusively on other collection methods such as delinquency notices and/or collection calls. Our discontinuance of using secondary cards for affected borrowers will increase collections costs and reduce collections effectiveness. City of Austin We were cited in July 2016 by the City of Austin, Texas for alleged violations of the Austin ordinance addressing products offered by CSOs. The Austin ordinance regulates aspects of products offered under our CAB programs, including loan sizes and repayment terms. We believe that: (i) the Austin ordinance (like its counterparts elsewhere in the state) conflicts with Texas state law and (ii) our product in any event complies with the ordinance, when the ordinance is properly construed. The Austin Municipal Court agreed with our position that the ordinance conflicts with Texas law and, accordingly, did not address our second argument. In September 2017, the Travis County Court reversed the Municipal Court’s decision and remanded the case for further proceedings. To date, a hearing and trial on the merits has not been scheduled. We do not anticipate having a final determination of the lawfulness of our CAB program under the Austin ordinance (and similar ordinances in other Texas cities) in the near future. A final adverse decision could potentially result in material monetary liability in Austin and elsewhere in Texas, and would force us to restructure the loans we originate in Austin and elsewhere in Texas. U.K. Customer redress claims During the second half of 2018, the U.K. Subsidiaries received an elevated number of claims in connection with certain of their regulatory obligations to consumers, including affordability, creditworthiness assessment and responsible lending (collectively, the “Redress Claims”), pursuant to a complaint resolution process for high-cost short-term credit providers. The liability for Redress Claims is dependent upon multiple factors, including the number of customers who present claims and the ability of those customers to successfully demonstrate their claims. Accordingly, we cannot determine the likely range of outcomes for this matter. As of December 31, 2018, we recorded a liability for Redress Claims of $3.2 million related to known and pending claims. This matter could have a material adverse impact on our result of operations if we continued to operate in the U.K. However, effective February 25, 2019, in accordance with the provisions of the U.K. Insolvency Act 1986, insolvency practitioners from KPMG were appointed as administrators (“Administrators”) in respect of the U.K. Subsidiaries. The effect of the U.K. Subsidiaries’ entry into administration was to place the management, affairs, business and property of the U.K. Subsidiaries under the direct control of the Administrators. Accordingly, we will deconsolidate the U.K. Subsidiaries as of February 25, 2019 and will have no additional liability for this matter. See Note 24, "Subsequent Events" for additional information. Other Legal Matters We are a defendant in certain routine litigation matters encountered in the ordinary course of our business. Certain of these matters may be covered to an extent by our insurance. In the opinion of management, based upon the advice of legal counsel, the likelihood is remote that the impact of any of these pending routine litigation matters, either individually or in the aggregate, would have a material adverse effect on our consolidated financial condition, results of operations or cash flows.

OPERATING LEASES

OPERATING LEASES	12 Months Ended
	Dec. 31, 2018
Leases [Abstract]
OPERATING LEASES	OPERATING LEASES We entered into operating leases for the buildings in which we operate that expire at various times through 2040. The majority of the leases have an original term of five years with two , five -year renewal options. Most of the leases have escalation clauses and several also require payment of certain period costs, including maintenance, insurance and property taxes. Some of the leases are with related parties and have terms similar to the non-related party leases previously described. Rent expense on unrelated third-party leases for the years ended December 31, 2018 , 2017 and 2016 was $22.9 million , $23.6 million and $23.1 million , respectively; and for related party leases was $3.5 million , $3.3 million and $3.3 million , respectively. The following table summarizes the future minimum lease payments that we are contractually obligated to make under operating leases as of December 31, 2018 : (in thousands) Third Party Related Party Total 2019 $ 24,211 $ 3,330 $ 27,541 2020 20,547 3,285 23,832 2021 17,301 3,324 20,625 2022 14,558 3,322 17,880 2023 10,269 705 10,974 Thereafter 13,446 730 14,176 Total (1) $ 100,332 $ 14,696 $ 115,028 (1) Future minimum lease payments exclude the U.K. as all U.K. subsidiaries were placed into administration effective February 25, 2019.

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2018
Related Party Transactions [Abstract]
RELATED PARTY TRANSACTIONS	RELATED PARTY TRANSACTIONS We employ the services of Ad Astra Recovery Services, Inc. (“Ad Astra”), which is owned by our founders. Ad Astra provides third-party collection activities for our U.S. operations. Generally, once loans are between 91 and 121 days delinquent, we refer them to Ad Astra for collections. Ad Astra earns a commission fee equal to 30% of any amounts successfully recovered. Payments collected by Ad Astra on our behalf and commissions payable to Ad Astra are net settled on a one -month lag. The net amount receivable from Ad Astra at December 31, 2018 , 2017 and 2016 was $1.1 million , $0.7 million and $0.6 million , respectively. These amounts are included in “Prepaid expenses and other” in the Consolidated Balance Sheets. The commission expense paid to Ad Astra for the years ended December 31, 2018 , 2017 and 2016 was $13.8 million , $12.4 million and $12.1 million , respectively, and is included in “Other costs of providing services” in the Consolidated Statements of Operations. We have entered into several operating lease agreements for our corporate office, collection office and stores in which we operate, with several real estate entities that are related through common ownership. These operating leases are discussed in Note 18, "Operating Leases."

BENEFIT PLANS

BENEFIT PLANS	12 Months Ended
	Dec. 31, 2018
Retirement Benefits [Abstract]
BENEFIT PLANS	BENEFIT PLANS In conjunction with our IPO, we approved the 2017 Employee Stock Purchase Plan ("ESPP") that provides certain of our employees the opportunity to purchase shares of our common stock through separate offerings that may vary in terms. We have provided for the issuance of up to 2,500,000 shares to be utilized in the ESPP. Although approved, we have not authorized employees to purchase shares under the ESPP. In 2015 we instituted a nonqualified deferred compensation plan that provides certain of our employees with the opportunity to elect to defer base salary and performance-based compensation, which, upon such election, will be credited to the participant’s deferred compensation account. Participant contributions are fully vested at all times. Each deferred compensation account will be invested in one or more investment funds made available by us and selected by the participant. We may make discretionary contributions to the individual deferred compensation accounts, with the amount, if any, determined annually by us. Our contributions vest over three years. Each vested deferred compensation account will be paid out in a lump sum either upon a participant’s separation from service or a future date chosen by the participant at the time of enrollment. The amount deferred under this plan totaled $3.6 million , $3.3 million and $1.4 million as of December 31, 2018 , 2017 and 2016 , respectively, and was recorded in Other long-term liabilities. In 2014 we instituted a pension plan which covers all U.K. employees. Employees are automatically enrolled at 1% of their compensation, and we will match the employee’s contribution up to 3% of the employee’s compensation. Our contributions to the plan were $0.3 million , $0.2 million and $0.2 million for the years ended December 31, 2018 , 2017 and 2016 , respectively. See Note 24, "Subsequent Events" for further information concerning the U.K. exit. In 2013 we instituted a Registered Retirement Savings Plan (“RRSP”) which covers all Canadian employees. We match the employee contribution at a rate of 50% of the first 6% of compensation contributed to the RRSP. Employee contributions vest immediately. Employer contributions vest 50% after one year and 100% after two years. Our contributions to the RRSP were $0.2 million for each of the years ended December 31, 2018 , 2017 and 2016 . In 2010 we instituted a 401(k) retirement savings plan which covers all U.S. employees. Employees may voluntarily contribute up to 90% of their compensation, as defined, to the plan. We match the employee contribution at a rate of 50% of the first 6% of compensation contributed to the plan. Employee contributions vest immediately. Employer contributions vest in full after three years of employment. Our contributions to the plan were $1.4 million , $1.3 million and $1.1 million for the years ended December 31, 2018 , 2017 and 2016 , respectively. We own life insurance policies on plan beneficiaries as an informal funding vehicle to meet future benefit obligations. These policies are recorded at their cash surrender value and are included in other assets. Income generated from policies is recorded as Other income.

EARNINGS PER SHARE

EARNINGS PER SHARE	12 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
EARNINGS PER SHARE	EARNINGS PER SHARE The following presents the computation of basic earnings per share (in thousands, except per share amounts): Year Ended December 31, 2018 2017 2016 Basic: (1) Net income $ (22,053 ) $ 49,153 $ 65,444 Weight average common shares 45,815 38,351 37,908 Basic earnings per share $ (0.48 ) $ 1.28 $ 1.73 (1) The per share information has been adjusted to give effect to the 36-to-1 stock split of our common stock which was effective December 6, 2017. The following computation reconciles the differences between the basic and diluted earnings per share presentations (in thousands, except per share amounts): Year Ended December 31, 2018 2017 2016 Diluted: (1) Net income $ (22,053 ) $ 49,153 65,444 Weight average common shares (basic) 45,815 38,351 37,908 Dilutive effect of share-based compensation — 926 895 Weighted average common shares -- diluted 45,815 39,277 38,803 Diluted earnings per share $ (0.48 ) $ 1.25 $ 1.69 (1) The per share information has been adjusted to give effect to the 36-to-1 stock split of our common stock which was effective December 6, 2017. Potential common shares that would have the effect of increasing diluted earnings per share or decreasing diluted loss per share are considered to be anti-dilutive and as such, these shares are not included in calculating diluted earnings per share. For the year ended December 31, 2016, there were approximately 0.1 million potential common shares not included in the calculation of diluted earnings per share because their effect was anti-dilutive. For the year ended December 31, 2018 , 2.1 million potential common shares were excluded from the calculation of diluted earnings per share. There was no effect for the year ended December 31, 2017.

CONDENSED CONSOLIDATING FINANCI

CONDENSED CONSOLIDATING FINANCIAL INFORMATION	12 Months Ended
	Dec. 31, 2018
Condensed Financial Information Disclosure [Abstract]
CONDENSED CONSOLIDATING FINANCIAL INFORMATION	CONDENSED CONSOLIDATING FINANCIAL INFORMATION In August 2018, we issued $690.0 million of 8.25% Senior Secured Notes due September 1, 2025. The proceeds from issuance of the 8.25% Senior Secured Notes were used to extinguish the February and November 2017 12.00% Senior Secured Notes due March 1, 2022. The redemption was conducted pursuant to the indenture governing the 8.25% Senior Secured Notes. See Note 10, "Long-Term Debt" for additional details. In August, 2018, CURO Canada Receivables Limited Partnership, a newly created, bankruptcy-remote special purpose vehicle (the “Canada SPV Borrower”) and a wholly-owned subsidiary, entered into a four -year revolving credit facility with Waterfall Asset Management, LLC that provided for C $175.0 million of initial borrowing capacity and the ability to expand such capacity up to C $250.0 million (“Non-Recourse Canada SPV Facility”). See Note 10, "Long-Term Debt" for additional details. In March 2018, CFTC redeemed $77.5 million of the 12.00% Senior Secured Notes at a price equal to 112.00% of the principal amount plus accrued and unpaid interest to the date of redemption. The redemption was conducted pursuant to the indenture governing the 12.00% Senior Secured Notes, dated as of February 15, 2017, by and among CFTC, the guarantors party thereto and TMI Trust Company, as trustee and collateral agent. Consistent with the terms of the indenture, CFTC used a portion of the cash proceeds from our IPO, to redeem such 12.00% Senior Secured Notes. On November 2, 2017, CFTC issued $135.0 million aggregate principal amount of additional 12.00% Senior Secured Notes in a private offering exempt from the registration requirements of the Securities Act, (the "Additional Notes Offering"). CFTC used the proceeds from the Additional Notes Offering, together with available cash, to (i) pay a cash dividend, in an amount of $140.0 million to us, CFTC’s sole stockholder, and ultimately our stockholders and (ii) pay fees, expenses, premiums and accrued interest in connection with the Additional Notes Offering. CFTC received the consent of the holders of a majority of the outstanding principal amount of the current 12.00% Senior Secured Notes to a one-time waiver with respect to the restrictions contained in Section 5.07(a) of the indenture governing the 12.00% Senior Secured Notes to permit the dividend. On February 15, 2017, CFTC issued $470.0 million aggregate principal amount 12.00% senior secured notes due March 1, 2022, the proceeds of which were used together with available cash, to (i) redeem the outstanding 10.75% Senior Secured Notes due 2018 of our wholly owned subsidiary, CURO Intermediate, (ii) redeem our outstanding 12.00% Senior Cash Pay Notes due 2017, and (iii) pay fees, expenses, premiums and accrued interest in connection with the offering. The Senior Secured Notes were sold to qualified institutional buyers under Rule 144A of the Securities Act of 1933, as amended (the “Securities Act”); or outside the U.S. to non-U.S. Persons in compliance with Regulation S of the Securities Act. The following condensed consolidating financing information, which has been prepared in accordance with the requirements for presentation of Rule 3-10(d) of Regulation S-X promulgated under the Securities Act, presents the condensed consolidating financial information separately for: (i) CURO as the issuer of the 8.25% Senior Secured Notes (ii) Our subsidiary guarantors, which are comprised of our domestic subsidiaries, including CFTC as the issuer of the 12.00% Senior Secured Notes that were redeemed in August 2018, CURO Intermediate as the issuer of the 10.75% Senior Secured Notes that were redeemed in February 2017, and U.S. SPV as the issuer of the Non-Recourse U.S. SPV Facility that was extinguished in October 2018, and excluding Canada SPV (the “Subsidiary Guarantors”), on a consolidated basis, which are 100% owned by CURO, and which are guarantors of the 8.25% Senior Secured Notes issued in August 2018; (iii) Our other subsidiaries on a consolidated basis, which are not guarantors of the 8.25% Senior Secured Notes (the “Subsidiary Non-Guarantors”) (iv) Consolidating and eliminating entries representing adjustments to: a. eliminate intercompany transactions between or among us, the Subsidiary Guarantors and the Subsidiary Non-Guarantors; and b. eliminate the investments in our subsidiaries; (v) Us and our subsidiaries on a consolidated basis. Condensed Consolidating Balance Sheets December 31, 2018 (in thousands) Subsidiary Guarantors Subsidiary Non-Guarantors Canada SPV CURO Eliminations CURO Assets: Cash $ 42,403 $ 28,631 $ — $ — $ — $ 71,034 Restricted cash 9,993 5,990 12,840 — — 28,823 Loans receivable, net 304,542 76,674 136,187 — — 517,403 Deferred income taxes — 1,534 — — — 1,534 Income taxes receivable 7,190 — — 9,551 — 16,741 Prepaid expenses and other 37,866 7,204 — — — 45,070 Property and equipment, net 47,918 28,832 — — — 76,750 Goodwill 91,131 28,150 — — — 119,281 Other intangibles, net 8,418 21,366 — — — 29,784 Intercompany receivable 77,009 (32,455 ) — — (44,554 ) — Investment in subsidiaries — — — (101,665 ) 101,665 — Other 12,253 944 — — — 13,197 Total assets $ 638,723 $ 166,870 $ 149,027 $ (92,114 ) $ 57,111 $ 919,617 Liabilities and Stockholders' equity: Accounts payable and accrued liabilities $ 38,240 $ 13,870 $ 4,980 $ 192 $ — $ 57,282 Deferred revenue 5,981 3,642 40 — — 9,663 Income taxes payable — 1,579 — — — 1,579 Accrued interest 149 (5 ) 831 19,924 — 20,899 Payable to CURO 768,345 — — (768,345 ) — — CSO guarantee liability 12,007 — — — — 12,007 Deferred rent 9,559 1,441 — — — 11,000 Long-term debt (excluding current maturities) 20,000 — 107,479 676,661 — 804,140 Subordinated shareholder debt — 2,196 — — — 2,196 Intercompany payable — 224 44,330 — (44,554 ) — Other long-term liabilities 4,967 1,255 — — — 6,222 Deferred tax liabilities 15,175 — — (1,445 ) — 13,730 Total liabilities 874,423 24,202 157,660 (73,013 ) (44,554 ) 938,718 Stockholders' equity (235,700 ) 142,668 (8,633 ) (19,101 ) 101,665 (19,101 ) Total liabilities and stockholders' equity $ 638,723 $ 166,870 $ 149,027 $ (92,114 ) $ 57,111 $ 919,617 December 31, 2017 (in thousands) CFTC (1) CURO Intermediate (1) Subsidiary Subsidiary SPV Subs (1) Eliminations Consolidated CURO Eliminations CURO Assets: Cash $ — $ — $ 117,379 $ 44,915 $ — $ — $ 162,294 $ 80 $ — $ 162,374 Restricted cash — — 1,677 3,569 6,871 — 12,117 — — 12,117 Loans receivable, net — — 84,912 110,651 167,706 — 363,269 — — 363,269 Deferred income taxes — 2,154 (4,646 ) 3,502 — — 1,010 (238 ) — 772 Income taxes receivable — — — — — — — 3,455 — 3,455 Prepaid expenses and other — — 38,277 3,353 — — 41,630 882 — 42,512 Property and equipment, net — — 52,627 34,459 — — 87,086 — — 87,086 Goodwill — — 91,131 54,476 — — 145,607 — — 145,607 Other intangibles, net 16 — 5,418 27,335 — — 32,769 — — 32,769 Intercompany receivable — 37,877 33,062 (30,588 ) — (40,351 ) — — — — Investment in subsidiaries (14,504 ) 899,371 — — — (884,867 ) — (84,889 ) 84,889 — Other 5,713 — 3,017 1,040 — — 9,770 — — 9,770 Total assets $ (8,775 ) $ 939,402 $ 422,854 $ 252,712 $ 174,577 $ (925,218 ) $ 855,552 $ (80,710 ) $ 84,889 $ 859,731 Liabilities and Stockholders' equity: Accounts payable and accrued liabilities $ 2,606 $ 13 $ 35,753 $ 15,954 $ 12 $ — $ 54,338 $ 1,454 $ — $ 55,792 Deferred revenue — — 6,529 5,455 — — 11,984 — — 11,984 Income taxes payable (49,738 ) 70,231 (18,450 ) 2,077 — — 4,120 — — 4,120 Accrued interest 24,201 — — — 1,266 — 25,467 — — 25,467 Payable to CURO 184,348 — (95,048 ) — — — 89,300 (89,300 ) — — CSO guarantee liability — — 17,795 — — — 17,795 — — 17,795 Deferred rent — — 9,896 1,681 — — 11,577 — — 11,577 Long-term debt (excluding current maturities) 585,823 — — — 120,402 — 706,225 — — 706,225 Subordinated shareholder debt — — — 2,381 — — 2,381 — — 2,381 Intercompany payable (668,536 ) 876,869 (124,332 ) 40,351 (84,001 ) (40,351 ) — — — — Other long-term liabilities — — 3,969 1,799 — — 5,768 — — 5,768 Deferred tax liabilities (2,590 ) 6,793 (143 ) 7,426 — — 11,486 — — 11,486 Total liabilities 76,114 953,906 (164,031 ) 77,124 37,679 (40,351 ) 940,441 (87,846 ) — 852,595 Stockholders' equity (84,889 ) (14,504 ) 586,885 175,588 136,898 (884,867 ) (84,889 ) 7,136 84,889 7,136 Total liabilities and stockholders' equity $ (8,775 ) $ 939,402 $ 422,854 $ 252,712 $ 174,577 $ (925,218 ) $ 855,552 $ (80,710 ) $ 84,889 $ 859,731 (1) Consolidating schedules presented separately for (i) CFTC as the issuer of the 12.00% Senior Secured Notes that were redeemed in August 2018, (ii) CURO Intermediate as the issuer of the 10.75% Senior Secured Notes that were redeemed in February 2017 and (iii) U.S. SPV as the issuer of the Non-Recourse U.S. SPV Facility that was extinguished in October 2018. Condensed Consolidating Statements of Operations Year Ended December 31, 2018 (in thousands) Subsidiary Guarantors Subsidiary Non-Guarantors Canada SPV CURO Eliminations CURO Revenue $ 853,141 $ 212,705 $ 28,465 $ — $ — $ 1,094,311 Provision for losses 348,611 61,276 33,345 — — 443,232 Net revenue 504,530 151,429 (4,880 ) — — 651,079 Cost of providing services: Salaries and benefits 71,447 35,306 — — — 106,753 Occupancy 30,797 22,887 — — — 53,684 Office 21,285 7,137 — — — 28,422 Other store operating expenses 47,341 5,649 — — — 52,990 Advertising 48,832 19,501 — — — 68,333 Total cost of providing services 219,702 90,480 — — — 310,182 Gross Margin 284,828 60,949 (4,880 ) — — 340,897 Operating (income) expense: Corporate, district and other 103,509 46,157 38 9,251 — 158,955 Intercompany management fee (13,404 ) 13,388 16 — — — Interest expense 59,949 68 3,907 20,432 — 84,356 Loss on extinguishment of debt 90,569 — — — — 90,569 Goodwill impairment charges — 22,496 — — — 22,496 Impairment charges on intangible assets and property and equipment — 5,085 — — — 5,085 Intercompany interest (income) expense (4,778 ) 4,778 — — — — Total operating expense 235,845 91,972 3,961 29,683 — 361,461 Net income (loss) before income taxes 48,983 (31,023 ) (8,841 ) (29,683 ) — (20,564 ) Provision for income tax expense (benefit) 5,635 2,471 — (6,617 ) — 1,489 Net income (loss) 43,348 (33,494 ) (8,841 ) (23,066 ) — (22,053 ) Equity in net income (loss) of subsidiaries: CFTC — — — 1,013 (1,013 ) — Guarantor Subsidiaries 43,348 — — — (43,348 ) — Non-Guarantor Subsidiaries (33,494 ) — — — 33,494 — SPV Subs (8,841 ) — — — 8,841 — Net income (loss) attributable to CURO $ 44,361 $ (33,494 ) $ (8,841 ) $ (22,053 ) $ (2,026 ) $ (22,053 ) Year Ended December 31, 2017 (in thousands) CFTC (1) CURO Intermediate (1) Subsidiary Guarantors Subsidiary Non-Guarantors SPV Subs (1) Eliminations CFTC Consolidated CURO Eliminations CURO Revenue $ — $ — $ 465,170 $ 225,904 $ 272,559 $ — $ 963,633 $ — $ — $ 963,633 Provision for losses — — 164,068 58,735 103,423 — 326,226 — — 326,226 Net revenue — — 301,102 167,169 169,136 — 637,407 — — 637,407 Cost of providing services: Salaries and benefits — — 69,927 35,269 — — 105,196 — — 105,196 Occupancy — — 31,393 23,219 — — 54,612 — — 54,612 Office — — 16,884 4,518 — — 21,402 — — 21,402 Other store operating expenses — — 48,163 6,231 508 — 54,902 — — 54,902 Advertising — — 36,148 15,910 — — 52,058 — — 52,058 Total cost of providing services — — 202,515 85,147 508 — 288,170 — — 288,170 Gross Margin — — 98,587 82,022 168,628 — 349,237 — — 349,237 Operating (income) expense: Corporate, district and other 7,549 (25 ) 108,901 34,170 451 — 151,046 3,927 — 154,973 Intercompany management fee — — (23,741 ) 13,970 9,771 — — — — — Interest expense 55,809 9,613 (124 ) 189 13,887 — 79,374 3,310 — 82,684 Loss on extinguishment of debt — 11,884 — — — — 11,884 574 — 12,458 Restructuring costs — — — 7,393 — — 7,393 — — 7,393 Intercompany interest (income) expense — (4,216 ) (678 ) 4,894 — — — — — — Total operating expense 63,358 17,256 84,358 60,616 24,109 — 249,697 7,811 — 257,508 Net income (loss) before income taxes (63,358 ) (17,256 ) 14,229 21,406 144,519 — 99,540 (7,811 ) — 91,729 Provision for income tax expense (benefit) (24,077 ) 73,218 (13,752 ) 10,372 — — 45,761 (3,185 ) — 42,576 Net income (loss) (39,281 ) (90,474 ) 27,981 11,034 144,519 — 53,779 (4,626 ) — 49,153 Equity in net income (loss) of subsidiaries: CFTC — — — — — — — 53,779 (53,779 ) — CURO Intermediate (90,474 ) — — — — 90,474 — — — — Guarantor Subsidiaries 27,981 — — — — (27,981 ) — — — — Non-Guarantor Subsidiaries 11,034 — — — — (11,034 ) — — — — SPV Subs 144,519 — — — — (144,519 ) — — — — Net income (loss) attributable to CURO $ 53,779 $ (90,474 ) $ 27,981 $ 11,034 $ 144,519 $ (93,060 ) $ 53,779 $ 49,153 $ (53,779 ) $ 49,153 (1) Consolidating schedules presented separately for (i) CFTC as the issuer of the 12.00% Senior Secured Notes that were redeemed in August 2018, (ii) CURO Intermediate as the issuer of the 10.75% Senior Secured Notes that were redeemed in February 2017 and (iii) U.S. SPV as the issuer of the Non-Recourse U.S. SPV Facility that was extinguished in October 2018. Year Ended December 31, 2016 (in thousands) CFTC (1) CURO Intermediate (1) Subsidiary Guarantors Subsidiary Non-Guarantors SPV Subs (1) Eliminations CFTC Consolidated CURO Eliminations CURO Revenue $ — $ — $ 581,820 $ 221,799 $ 24,977 $ — $ 828,596 $ — $ — $ 828,596 Provision for losses — — 176,546 50,540 31,203 — 258,289 — — 258,289 Net revenue — — 405,274 171,259 (6,226 ) — 570,307 — — 570,307 Cost of providing services: Salaries and benefits — — 69,549 34,992 — — 104,541 — — 104,541 Occupancy — — 31,451 23,058 — — 54,509 — — 54,509 Office — — 15,883 4,580 — — 20,463 — — 20,463 Other store operating expenses — — 47,491 6,120 6 — 53,617 — — 53,617 Advertising — — 30,340 13,581 — — 43,921 — — 43,921 Total cost of providing services — — 194,714 82,331 6 — 277,051 — — 277,051 Gross Margin — — 210,560 88,928 (6,232 ) — 293,256 — — 293,256 Operating (income) expense: Corporate, district and other 1,898 338 85,452 36,140 — — 123,828 446 — 124,274 Intercompany management fee — — (12,632 ) 12,632 — — — — — — Interest expense — 47,684 2 58 864 — 48,608 15,726 — 64,334 Intercompany Interest (income) expense — (4,961 ) (1,319 ) 5,741 539 — — — — — Loss on extinguishment of debt — (6,991 ) — — — — (6,991 ) — — (6,991 ) Restructuring costs — — 1,726 1,892 — — 3,618 — — 3,618 Total operating expense 1,898 36,070 73,229 56,463 1,403 — 169,063 16,172 — 185,235 Net income (loss) before income taxes (1,898 ) (36,070 ) 137,331 32,465 (7,635 ) — 124,193 (16,172 ) — 108,021 Provision for income tax (benefit) expense (682 ) 22,788 14,543 12,522 — — 49,171 (6,594 ) — 42,577 Net income (loss) (1,216 ) (58,858 ) 122,788 19,943 (7,635 ) — 75,022 (9,578 ) — 65,444 Equity in net income (loss) of subsidiaries: CFTC — — — — — — — 75,022 (75,022 ) — CURO Intermediate (58,858 ) — — — — 58,858 — — — — Guarantor Subsidiaries 122,788 — — — — (122,788 ) — — — — Non-Guarantor Subsidiaries 19,943 — — — — (19,943 ) — — — — SPV Subs (7,635 ) — — — — 7,635 — — — — Net income (loss) attributable to CURO $ 75,022 $ (58,858 ) $ 122,788 $ 19,943 $ (7,635 ) $ (76,238 ) $ 75,022 $ 65,444 $ (75,022 ) $ 65,444 (1) Consolidating schedules presented separately for (i) CFTC as the issuer of the 12.00% Senior Secured Notes that were redeemed in August 2018, (ii) CURO Intermediate as the issuer of the 10.75% Senior Secured Notes that were redeemed in February 2017 and (iii) U.S. SPV as the issuer of the Non-Recourse U.S. SPV Facility that was extinguished in October 2018. Condensed Consolidating Statements of Cash Flows Year Ended December 31, 2018 (in thousands) Subsidiary Guarantors Subsidiary Non-Guarantors Canada SPV CURO Eliminations CURO Consolidated Cash flows from operating activities: Net cash provided (used) $ 1,104,821 $ 27,598 $ 72,648 $ (674,290 ) $ 3,687 $ 534,464 Cash flows from investing activities: Purchase of property, equipment and software (11,105 ) (3,160 ) — — — (14,265 ) Originations of loans, net (398,542 ) (34,887 ) (172,193 ) — — (605,622 ) Cash paid for Zibby Investment (958 ) — — — — (958 ) Net cash used (410,605 ) (38,047 ) (172,193 ) — — (620,845 ) Cash flows from financing activities: Proceeds from Non-Recourse U.S. SPV facility and ABL facility 17,000 — — — — 17,000 Payments on Non-Recourse U.S. SPV facility and ABL facility (141,590 ) — — — — (141,590 ) Proceeds from Non-Recourse Canada SPV facility — — 117,157 — — 117,157 Payments on 12.00% Senior Secured Notes (605,000 ) — — — — (605,000 ) Proceeds from issuance of 8.25% Senior Secured Notes — — — 690,000 — 690,000 Payments of call premiums from early debt extinguishments (69,650 ) — — — — (69,650 ) Debt issuance costs paid (232 ) — (4,529 ) (13,848 ) — (18,609 ) Proceeds from revolving credit facilities 87,000 44,902 — — — 131,902 Payments on revolving credit facilities (67,000 ) (44,902 ) — — — (111,902 ) Proceeds from exercise of stock options 559 — — — — 559 Payments to net share settle RSU's — — — (1,942 ) — (1,942 ) Net proceeds from issuance of common stock 11,167 — — — — 11,167 Net cash (used) provided (767,746 ) — 112,628 674,210 — 19,092 Effect of exchange rate changes on cash and restricted cash — (3,415 ) (243 ) — (3,687 ) (7,345 ) Net increase (decrease) in cash and restricted cash (73,530 ) (13,864 ) 12,840 (80 ) — (74,634 ) Cash and restricted cash at beginning of period 125,927 48,484 — 80 — 174,491 Cash and restricted cash at end of period $ 52,397 $ 34,620 $ 12,840 $ — $ — $ 99,857 Year Ended December 31, 2017 (in thousands) CFTC (1) CURO Intermediate (1) Subsidiary Guarantors Subsidiary Non-Guarantors SPV Subs (1) Eliminations CFTC CURO CURO Consolidated Cash flows from operating activities: Net cash provided (used) $ (264,670 ) $ 447,027 $ 175,213 $ 68,973 $ 98,075 $ (3,514 ) $ 521,104 $ (86,200 ) $ 434,904 Cash flows from investing activities: Purchase of property, equipment and software — — (7,406 ) (2,351 ) — — (9,757 ) — (9,757 ) Originations of loans, net — — (177,687 ) (89,554 ) (150,253 ) — (417,494 ) — (417,494 ) Cash paid for Zibby Investment (5,600 ) — — — — — (5,600 ) — (5,600 ) Net cash provided (used) (5,600 ) — (185,093 ) (91,905 ) (150,253 ) — (432,851 ) — (432,851 ) Cash flows from financing activities: Proceeds from Non-Recourse U.S. SPV facility and ABL facility — 1,590 — — 58,540 — 60,130 — 60,130 Payments on Non-Recourse U.S. SPV facility and ABL facility — (24,996 ) — — (2,261 ) — (27,257 ) — (27,257 ) Proceeds from issuance of 12.00% Senior Secured Notes 601,054 — — — — — 601,054 — 601,054 Proceeds from revolving credit facilities 35,000 — — 8,084 — — 43,084 — 43,084 Payments on revolving credit facilities (35,000 ) — — (8,084 ) — — (43,084 ) — (43,084 ) Payments on 10.75% Senior Secured Notes — (426,034 ) — — — — (426,034 ) — (426,034 ) Dividends (paid) received to/from CURO Group Holdings Corp. (312,083 ) — — — — — (312,083 ) 312,083 — Payments on Cash Pay Senior Notes — — — — — — — (125,000 ) (125,000 ) Dividends paid to stockholders — — — — — — — (182,000 ) (182,000 ) Proceeds from issuance of common stock — — — — — — — 81,117 81,117 Debt issuance costs paid (18,701 ) — — — — — (18,701 ) — (18,701 ) Net cash provided (used) 270,270 (449,440 ) — — 56,279 — (122,891 ) 86,200 (36,691 ) Effect of exchange rate changes on cash and restricted cash — — — 4,262 — 3,514 7,776 — 7,776 Net increase (decrease) in cash and restricted cash — (2,413 ) (9,880 ) (18,670 ) 4,101 — (26,862 ) — (26,862 ) Cash and restricted cash at beginning of period — 2,413 128,936 67,154 2,770 — 201,273 80 201,353 Cash and restricted cash at end of period $ — $ — $ 119,056 $ 48,484 $ 6,871 $ — $ 174,411 $ 80 $ 174,491 (1) Consolidating schedules presented separately for (i) CFTC as the issuer of the 12.00% Senior Secured Notes that were redeemed in August 2018, (ii) CURO Intermediate as the issuer of the 10.75% Senior Secured Notes that were redeemed in February 2017 and (iii) U.S. SPV as the issuer of the Non-Recourse U.S. SPV Facility that was extinguished in October 2018. Year Ended December 31, 2016 (in thousands) CFTC (1) CURO Intermediate (1) Subsidiary Guarantors Subsidiary SPV Subs (1) Eliminations CFTC Consolidated CURO CURO Cash flows from operating activities: Net cash provided (used) $ 20 $ 29,400 $ 157,903 $ 96,166 $ 47,899 $ (627 ) $ 330,761 $ (1,402 ) $ 329,359 Cash flows from investing activities: Purchase of property, equipment and software (20 ) — (10,105 ) (5,901 ) — — (16,026 ) — (16,026 ) Originations of loans, net — — (81,711 ) (68,436 ) (131,500 ) — (281,647 ) — (281,647 ) Net cash provided (used) (20 ) — (91,816 ) (74,337 ) (131,500 ) — (297,673 ) — (297,673 ) Cash flows from financing activities: Proceeds from credit facility — 30,000 — — — — 30,000 — 30,000 Payments on credit facility — (38,050 ) — — — — (38,050 ) — (38,050 ) Deferred financing costs — — — — (5,346 ) — (5,346 ) — (5,346 ) Proceeds from Non-Recourse U.S. SPV Facility and ABL facility — — — — 91,717 — 91,717 — 91,717 Purchase of May 2011 Senior Secured notes — (18,939 ) — — — — (18,939 ) — (18,939 ) Net cash provided (used) — (26,989 ) — — 86,371 — 59,382 — 59,382 Effect of exchange rate changes on cash and restricted cash — — — (2,666 ) — 627 (2,039 ) — (2,039 ) Net increase in cash and restricted cash — 2,411 66,087 19,163 2,770 — 90,431 (1,402 ) 89,029 Cash and restricted cash at beginning of period — 2 62,849 47,991 — — 110,842 1,482 112,324 Cash and restricted cash at end of period $ — $ 2,413 $ 128,936 $ 67,154 $ 2,770 $ — $ 201,273 $ 80 $ 201,353 (1) Consolidating schedules presented separately for (i) CFTC as the issuer of the 12.00% Senior Secured Notes that were redeemed in August 2018, (ii) CURO Intermediate as the issuer of the 10.75% Senior Secured Notes that were redeemed in February 2017 and (iii) U.S. SPV as the issuer of the Non-Recourse U.S. SPV Facility that was extinguished in October 2018.

QUARTERLY FINANCIAL DATA (UNAUD

QUARTERLY FINANCIAL DATA (UNAUDITED)	12 Months Ended
	Dec. 31, 2018
Quarterly Financial Information Disclosure [Abstract]
QUARTERLY FINANCIAL DATA (UNAUDITED)	QUARTERLY FINANCIAL DATA (UNAUDITED) The following is a summary of the quarterly results of operations for the years ended December 31, 2018 and 2017. 2018 (dollars in thousands, except per share amounts) First Quarter Second Quarter Third Quarter (1) Fourth Quarter Revenue $ 261,758 $ 248,983 $ 283,004 $ 300,566 Provision for losses 81,031 91,986 134,523 135,692 Net revenue $ 180,727 $ 156,997 $ 148,481 $ 164,874 Total cost of providing services $ 71,482 $ 76,585 $ 84,497 $ 77,618 Gross margin $ 109,245 $ 80,412 $ 63,984 $ 87,256 Net income (loss) $ 23,292 $ 15,975 $ (47,022 ) $ (14,298 ) Basic earnings (loss) per share $ 0.51 $ 0.35 $ (1.03 ) $ (0.31 ) Diluted earnings (loss) per share $ 0.49 $ 0.33 $ (1.03 ) $ (0.31 ) Basic weighted average shares outstanding 45,506 45,650 45,853 46,158 Diluted weighted average shares outstanding 47,416 47,996 45,853 46,158 (1) As of December 31, 2018, we have made certain insignificant adjustments to previously-reported Earnings Per Share ("EPS") to correctly reflect the effect of anti-dilutive shares on diluted EPS calculations in accordance with ASC 260. These changes were immaterial to the overall EPS calculation. Diluted loss per share for the three months ended September 30, 2018 of $0.97 was corrected to $1.03. 2017 (dollars in thousands, except per share amounts) First Quarter Second Quarter Third Quarter Fourth Quarter Revenue $ 224,580 $ 216,944 $ 255,119 $ 266,990 Provision for losses 61,736 65,446 99,341 99,703 Net revenue $ 162,844 $ 151,498 $ 155,778 167,287 Total cost of providing services $ 67,939 $ 69,496 $ 75,612 75,123 Gross margin $ 94,905 $ 82,002 $ 80,166 92,164 Net income $ 16,638 $ 16,342 $ 9,763 $ 6,410 Basic earnings per share $ 0.44 $ 0.43 $ 0.26 $ 0.16 Diluted earnings per share $ 0.43 $ 0.42 $ 0.25 $ 0.16 Basic weighted average shares outstanding 37,895 37,895 37,908 39,706 Diluted weighted average shares outstanding 38,959 38,987 38,914 40,524 Our operations are subject to seasonal fluctuations. Typically, our cost of revenue, which represents our loan loss provision, is lowest as a percentage of revenue in the first quarter of each year.

SUBSEQUENT EVENTS

SUBSEQUENT EVENTS	12 Months Ended
	Dec. 31, 2018
Subsequent Events [Abstract]
SUBSEQUENT EVENTS	SUBSEQUENT EVENTS Restructuring Activity On January 17, 2019, management eliminated 121 positions in North America. The restructuring included 82 positions across the Company’s 213 U.S. branches ( 5% of the U.S. store workforce) and 39 corporate support positions in the U.S. and Canada ( 8% of the U.S. and Canada corporate support workforce). The 121 affected positions represented 2.8% of our global headcount as of December 31, 2018. The store employee reductions will help better align store staffing with in-store customer traffic and volume patterns. As a result of the restructuring, we recognized expense of $1.6 million in the first quarter of 2019. Cognical Holdings Investment On February 8, 2019, we purchased 679,535 additional preferred shares of Cognical Holdings for $1.4 million . As a result of this transaction, along with our previously purchased shares, we currently own 11.7% of the equity of Cognical Holdings. We record these purchases in "Other assets" in our Consolidated Balance Sheets. U.K. Segment Placed into Administration On February 1, 2019, we filed a Current Report on Form 8-K announcing that we launched a consent solicitation to the holders (“Holders”) of our 8.25% Senior Secured Notes requesting consent to implement either the SOA or an Administration process as discussed below (the "Proposed Transactions") and to provide a one-time waiver with respect to certain provisions of the underlying indenture to permit the implementation of any of the Proposed Transactions. On February 8, 2019, we received consents to the Proposed Transactions from Holders holding a majority in aggregate principal amount of the outstanding Notes. In connection with the consummation of the consent solicitation, Holders of $680.6 million aggregate principal amount of Notes delivered valid consents at or prior to the expiration of the consent solicitation, and a cash payment of $10.00 per $1,000 in aggregate principal amount of Notes will be paid to such consenting Holders. We incurred and expensed total costs of $7.7 million in the first quarter of 2019 in connection with the consent process, including $6.8 million of cash payments to consenting Holders. On February 25, 2019, we filed a Current Report on Form 8-K announcing that the proposed SOA, as previously disclosed in our Current Report on Form 8-K filed on January 31, 2019, would not be implemented. We also announced that effective February 25, 2019, in accordance with the provisions of the U.K. Insolvency Act 1986 and as approved by the boards of directors of the U.K. Subsidiaries, insolvency practitioners from KPMG were appointed as Administrators in respect of the U.K. Subsidiaries. The effect of the U.K. Subsidiaries’ entry into administration was to place the management, affairs, business and property of the U.K. Subsidiaries under the direct control of the Administrators. Accordingly, we will deconsolidate the U.K. Subsidiaries as of February 25, 2019 and will present the U.K. Subsidiaries as Discontinued Operations in the first quarter of 2019.

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS (Policies)	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The terms “CURO", "we,” “our,” “us,” and the “Company” refer to CURO Group Holdings Corp. and its directly and indirectly owned subsidiaries as a combined entity, except where otherwise stated. The term "CFTC" refers to CURO Financial Technologies Corp., our wholly-owned subsidiary, and its directly and indirectly owned subsidiaries as a consolidated entity, except where otherwise stated. We have prepared the accompanying audited Consolidated Financial Statements in accordance with accounting principles generally accepted in the United States of America (“US GAAP”). The Consolidated Financial Statements and the accompanying notes reflect all adjustments which are, in the opinion of management, necessary to present fairly our results of operations, financial position and cash flows for the periods presented. The adjustments consist solely of normal recurring adjustments. We completed our initial public offering ("IPO") in December 2017. Prior to our IPO, we effected a 36 -for-1 split of our common stock. We have retroactively adjusted all share and per share data for all periods presented to reflect the stock split as if the stock split had occurred at the beginning of the earliest period presented. See Note 14, "Stockholders' Equity" for additional information concerning our IPO and stock split. After our IPO, we initially qualified as an “emerging growth company” as defined in the Jumpstart Our Business Startups Act of 2012 (the "JOBS Act"). As an emerging growth company, we elected to take advantage of specified reduced reporting and other requirements that are otherwise generally required of public companies.
Principles of Consolidation	Principles of Consolidation The Consolidated Financial Statements include the accounts of CURO and its wholly-owned subsidiaries. Intercompany transactions and balances have been eliminated in consolidation.
Use of Estimates	Use of Estimates The preparation of consolidated financial statements in conformity with US GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements. Estimates also affect the reported amounts of revenues and expenses during the periods reported. Some of the significant estimates that we have made in the accompanying Consolidated Financial Statements include allowances for loan losses, certain assumptions related to goodwill and intangibles, accruals related to self-insurance, Credit Services Organization ("CSO") guarantee liability and estimated tax liabilities. Actual results may differ from those estimates.
Segment Reporting	U.K. Segment Placed into Administration In 2013, we completed the acquisition of Wage Day Advance Limited, a U.K. entity, for approximately $80.9 million . We later changed the name of Wage Day Advance Limited to CURO Transatlantic Limited, although we continued to operate online in the U.K. as Wage Day Advance. In 2017, we also launched Juo Loans, an online Installment loan brand in the U.K. We historically operated online as “Wage Day Advance” and “Juo Loans” and, prior to their closure in the third quarter of 2017, our stores were branded “Speedy Cash.” On February 25, 2019, we announced that a proposed Scheme of Arrangement ("SOA") as described in our Form 8-K filed January 31, 2019, would not be implemented. In accordance with the provisions of the U.K. Insolvency Act 1986 and as approved by the boards of directors of the Company’s U.K. subsidiaries, Curo Transatlantic Limited ("CTL") and SRC Transatlantic Limited (collectively with CTL, “the U.K. Subsidiaries”), insolvency practitioners from KPMG were appointed as administrators (“Administrators”) in respect of both of the U.K. Subsidiaries. The effect of the U.K. Subsidiaries’ entry into administration was to place the management, affairs, business and property of the U.K. Subsidiaries under the direct control of the Administrators. Accordingly, the Company will deconsolidate the U.K. Subsidiaries as of February 25, 2019 and will present the U.K. Subsidiaries as Discontinued Operations in the first quarter of 2019.
Revenue Recognition	Revenue Recognition We offer a broad range of consumer finance products including Unsecured Installment loans, Secured Installment loans, Open-End loans and Single-Pay loans. Revenue in the Consolidated Statements of Operations includes: interest income, finance charges, CSO fees, late fees and non-sufficient funds fees as permitted by applicable laws and pursuant to the customer agreements. Product offerings differ by jurisdiction and are governed by the laws in each separate jurisdiction. Installment loans include Secured Installment loans and Unsecured Installment loans. These loans are fully amortizing, with a fixed payment amount, which includes principal and accrued interest, due each period during the loan term. The loan terms for Installment loans can range up to 60 months depending on state or provincial regulations. We record revenue from Installment loans on a simple-interest basis. Accrued interest and fees are included in gross loans receivable in the Consolidated Balance Sheets. CSO fees are recognized ratably over the term of the loan. Open-End loans function much like a revolving line-of-credit, whereby the periodic payment is a fixed percentage of the customer’s outstanding loan balance, and there is no defined loan term. We record revenue from Open-End loans on a simple interest basis. Accrued interest and fees are included in gross loans receivable in the Consolidated Balance Sheets. Single-Pay loans are primarily unsecured, short-term, small denomination loans, with a very small portion being auto title loans, which allow a customer to obtain a loan using their car as collateral. Revenues from Single-Pay loan products are recognized each period on a constant-yield basis ratably over the term of each loan. We defer recognition of the unearned fees we expect to collect based on the remaining term of the loan at the end of each reporting period. Check cashing fees, money order fees and other fees from ancillary products and services are generally recognized at the point-of-sale when the transaction is completed. We also earn revenue from the sale of credit protection insurance in the Canadian market. Insurance revenues are recognized ratably over the term of the loan. Given that we were not an emerging growth company as of August 2018, we adopted certain accounting pronouncements during the year for which we were previously allowed to defer. We adopted ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606) (“ASU 2014-09”), which amended the existing accounting standards for revenue recognition. All amounts and disclosures set forth in this Annual Report reflect the adoption of this ASU. See "--Recently Adopted Accounting Pronouncements " for further information.
Consumer Loans Receivable	Consumer Loans Receivable Consumer loans receivable are net of the allowance for loan losses and are comprised of Unsecured Installment, Secured Installment, Open-End and Single-Pay loans. Our Single-Pay loans are primarily comprised of payday loans and auto title loans. A payday loan transaction consists of providing a customer cash in exchange for the customer’s personal check or Automated Clearing House (“ACH”) authorization (in the aggregate amount of that cash plus a service fee), with an agreement to defer the presentment or deposit of that check or scheduled ACH withdrawal until the customer’s next payday, which is typically either two weeks or a month from the loan’s origination date. An auto title loan allows a customer to obtain a loan using the customer’s car as collateral for the loan, with a typical loan term of 30 days. Unsecured Installment, Secured Installment and Open-End loans require periodic payments of principal and interest. Installment loans are fully amortized loans with a fixed payment amount due each period during the term of the loan. Open-End loans function much like a revolving line-of-credit, whereby the periodic payment is a set percentage of the customer’s outstanding loan balance, and there is no defined loan term. The loan terms for Installment loans can range up to 60 months, depending on state regulations. Installment and Open-End loans are offered as both Secured auto title loans and as Unsecured loan products. The product offerings differ by jurisdiction and are governed by the laws in each separate jurisdiction. Current and Past-Due Loans Receivable We classify our loans receivable as either current or past-due. Single-Pay and Open-End loans are considered past-due if a customer misses a scheduled payment, at which point the loan is charged-off to the allowance for loan losses. The charge-off of Unsecured Installment and Secured Installment loans was impacted by a change in accounting estimate in the first quarter of 2017. Effective January 1, 2017, we modified the timeframe in which Installment loans are charged-off and made related refinements to our loss provisioning methodology. Prior to January 1, 2017, we deemed all loans uncollectible and charged-off when a customer missed a scheduled payment and the loan was considered past-due. Because of our continuing shift from Single-Pay to Installment loans and our analysis of payment patterns on early-stage versus late-stage delinquencies, we revised our estimates to consider Installment loans uncollectible when the loan has been past-due for 90 consecutive days. Consequently, past-due Installment loans remain in loans receivable, with disclosure of past-due balances, for 90 days before being charged-off against the allowance for loan losses. We evaluate the adequacy of the allowance for loan losses as compared to the related gross receivables balances, which include accrued interest. The aforementioned change was treated as a change in accounting estimate that was applied prospectively effective January 1, 2017. As a result, some credit-quality metrics in 2017 may not be comparable to historical periods. Throughout the remainder of this Annual Report, the change in estimate is referred to as “Q1 2017 Loss Recognition Change.” Installment loans generally are considered past-due when a customer misses a scheduled payment. Loans zero to 90 days past-due are disclosed and included in gross loans receivable. We accrue interest on past-due loans until charged off. The amount of the resulting charge-off includes unpaid principal, accrued interest and any uncollected fees, if applicable. Consequently, net loss rates that include accrued interest will be higher than under the methodology applied prior to January 1, 2017. The result of this change in estimate resulted in approximately $61.0 million of Installment loans at December 31, 2017 that remained on our balance sheet that were between one and 90 days delinquent. Additionally, the Installment loan allowance for loan losses as of December 31, 2017 of $69.6 million included an estimated allowance of $38.7 million for the Installment loans between one and 90 days delinquent. For Single-Pay and Open-End loans, past-due loans are charged-off upon payment default and typically do not return to current for any subsequent payment activity. For Installment loans, customers with payment delinquency of 90 consecutive days are charged off. Charged-off loans are never returned to current or performing and all subsequent activity is accounted for within recoveries in the Allowance for loan losses. If a past-due Installment loan customer makes payments sufficient to bring the account current for principal plus all accrued interest or fees pursuant to the original terms of the loan contract before becoming 90 consecutive days past-due, the underlying loan balance returns to current classification. Depending upon underlying state or provincial regulations, a borrower may be eligible for more than one outstanding loan. Allowance for Loan Losses Credit losses are an inherent part of outstanding loans receivable. We maintain an allowance for loan losses for loans and interest receivable at a level estimated to be adequate to absorb incurred losses based primarily on our analysis of historical loss or charge-off rates for loans containing similar risk characteristics. The allowance for losses on our Company-owned gross loans receivables reduces the outstanding gross loans receivables balance in the Consolidated Balance Sheets. The liability for estimated losses related to Loans Guaranteed by the Company under CSO programs is reported in “Credit services organization guarantee liability” in the Consolidated Balance Sheets. Increases in either the allowance or the liability, net of charge-offs and recoveries, are recorded as “Provision for losses” in the Consolidated Statements of Operations. When establishing the allowance for loan losses, we also consider delinquency trends and any macro-economic conditions that we believe may affect portfolio losses. If a loan is deemed to be uncollectible before it is fully reserved based on information we become aware of (e.g., receipt of customer bankruptcy notice or death), we charge off such loan at that time. Qualitative factors such as the impact of new loan products, changes to underwriting criteria or lending policies, new store development or entrance into new markets, changes in jurisdictional regulations or laws, recent credit trends and general economic conditions impact management’s judgment on the overall adequacy of the allowance for loan losses. Any recoveries on loans previously charged to the allowance are credited to the allowance when collected. The Q1 2017 Loss Recognition Change affected comparability of activity in the related allowance for loan losses. Specifically, no Unsecured or Secured Installment loans were charged-off to the allowance for loan losses in the three months ended March 31, 2017 because charge-off effectively occurs on day 91 under the revised methodology and no affected loans originated during the period reached day 91 until April 2017. Actual charge-offs and recoveries on defaulted/charged-off loans from the three months ended March 31, 2017 affected the allowance for loan losses in prospective periods. However, as discussed previously, the related net losses were recognized in the Consolidated Statements of Operations during the year ended December 31, 2017 by applying expected net loss provision rates to the related loan originations. Additionally, during the year ended December 31, 2018, we changed our estimated allowance for loan losses for Unsecured Installment and Secured Installment gross loans receivable and for Loans Guaranteed by the Company under CSO programs. This is a prospective change in estimate affected by a change in accounting principle. Prior to the change in the estimate, we utilized historic collection experience by grouping accounts receivable aging for these products to assess losses inherent in the portfolio and incurred as of the balance sheet date. Given that we now have history on performance subsequent to the Q1 2017 Loss Recognition Change, we refined the estimation process to utilize charge-off and recovery rates and estimate losses inherent in the portfolio. Credit Services Organization Through our CSO programs, we act as a credit services organization ("CSO")/credit access business ("CAB") on behalf of customers in accordance with applicable state laws. We currently offer loans through CSO programs in stores and online in the state of Texas and online in the state of Ohio. As a CSO, we earn revenue by charging the customer a fee ("CSO fee") for arranging an unrelated third-party to make a loan to that customer. When a customer executes an agreement with us under our CSO programs, we agree, for a CSO fee payable to us by the customer, to provide certain services to the customer, one of which is to guarantee the customer’s obligation to repay the loan to the third-party lender. CSO fees are calculated based on the amount of the customer's outstanding loan. For CSO loans, each lender is responsible for providing the criteria by which the customer’s application is underwritten and, if approved, determining the amount of the customer loan. We in turn are responsible for assessing whether or not we will guarantee the loan. This guarantee represents an obligation to purchase specific loans if they go in to default. In Ohio, we currently operate as a registered CSO and provide CSO services to customers who apply for and obtain Unsecured Installment loans from a third-party lender. Ohio House Bill 123 was introduced in March 2017, effectively eliminating the viability of the CSO model. In late July 2018, the Ohio legislature enacted House Bill 123 and the Governor signed the bill into law on July 30, 2018. The principal sections of the new law are scheduled to become operative on or about April 27, 2019. As a result, the Company will no longer operate as a registered CSO in Ohio. Ohio revenue for the year ended December 31, 2018 was $19.3 million on related Unsecured Installment loan balances of $5.2 million as of December 31, 2018. After loss provisions and direct costs, state level contribution from Ohio was immaterial. The Ohio Department of Commerce granted us a short-term lender's license on February 15, 2019. Under this license, we will offer an Installment loan product for a term of 120 days. Ohio customers may originate and manage their loans online via the internet or mobile application. We currently have relationships with four unaffiliated third-party lenders for our CSO programs. We periodically evaluate the competitive terms of our unaffiliated third-party lender contracts and such evaluation may result in the transfer of volume and loan balances between lenders. The process does not require significant effort or resources outside the normal course of business and we believe the incremental cost of changing or acquiring new unaffiliated third-party lender relationships to be immaterial. As of December 31, 2018 , the maximum amount guaranteed by the Company under CSO programs was $66.9 million , compared to $65.2 million at December 31, 2017 . Should we be required to pay any portion of the total amount of the loans we have guaranteed, we will attempt to recover some or all of the entire amount from the customers. We hold no collateral in respect of the guarantees. We estimate a liability for losses associated with the guaranty provided to the CSO lenders using assumptions and methodologies similar to the allowance for loan losses, which we recognize for our consumer loans. Our liability for incurred losses on CSO loans guaranteed by the Company was $12.0 million and $17.8 million at December 31, 2018 and 2017 , respectively. CSO fees are calculated based on the amount of the customer’s outstanding loan. We comply with the applicable jurisdiction’s Credit Services Organization Act or a similar statue. These laws generally define the services that we can provide to consumers and require us to provide a contract to the customer outlining our services and related costs. For services we provide under our CSO programs we receive payments from customers on their scheduled loan repayment due dates. The CSO fee is earned ratably over the term of the loan as the customers make payments. If a loan is paid off early, no additional CSO fees are due or collected. The maximum CSO loan term is 180 days and 18 months in Texas and Ohio, respectively. During the years ended December 31, 2018 and 2017 , approximately 57.3% and 53.6% , respectively, of Unsecured Installment Loans, and 54.5% and 53.6% , respectively, of Secured Installment loans originated under CSO programs were paid off prior to the original maturity date. Since CSO loans are made by a third-party lender, we do not include them in our Consolidated Balance Sheets as loans receivable. CSO fees receivable are included in “Prepaid expense and other” in our Consolidated Balance Sheets. We receive cash from customers for these fees on their scheduled loan repayment due dates.
Variable Interest Entity	Variable Interest Entity As part of our funding strategy and as part of our efforts to support our liquidity from sources other than our traditional capital market sources, we established a securitization program through Non-Recourse U.S. and Canada SPV Facilities. See Note 5, "Variable Interest Entities" for further discussion on both facilities. We entered into the Non-Recourse Canada SPV Facility during the third quarter of 2018 and fully extinguished the Non-Recourse U.S. SPV Facility during the fourth quarter of 2018. We transferred certain consumer loan receivables to a wholly-owned, bankruptcy-remote special purpose subsidiary (“VIE”) that issues term notes backed by the underlying consumer loan receivables which are serviced by another wholly-owned subsidiary. We have the ability to direct the activities of the VIE that most significantly impact the economic performance of the entities as the servicer of the securitized loan receivables. Additionally, we have the right to receive residual payments, which exposes us to the potential for significant losses and returns. Accordingly, we determined that we are the primary beneficiary of the VIE and are required to consolidate them. See Note 5, "Variable Interest Entities" for further discussion of our VIEs.
Cash Flow Hedge	Cash Flow Hedge During 2018, we had a cash flow hedge for which the hedging instrument was a forward contract to purchase GBP 10,400,000 that expired in October 2018. We performed an assessment that determined that all critical terms of the hedging instrument and the hedged transaction matched, and as such, qualitatively concluded that changes in the hedge’s intrinsic value would completely offset the change in the expected cash flows based on changes in the foreign-currency spot exchange rate. Since the effectiveness of this hedge was assessed based on changes in the hedge’s intrinsic value, the change in the time value of the contract would be excluded from the assessment of hedge effectiveness. We recorded the hedge’s fair value on the Consolidated Balance Sheets in current liabilities.
Property and Equipment	Property and Equipment Property and equipment is carried at cost less accumulated depreciation and amortization, except for property and equipment accounted for as part of a business combination, which is carried at fair value as of the acquisition date less accumulated depreciation and amortization. Expenditures for major additions and improvements are capitalized. Maintenance repairs and renewals, that do not materially add to the fixed asset's value or appreciably prolong its life, are charged to expense as incurred. Gains and losses on dispositions of property and equipment are included in results of operations. The estimated useful lives for furniture, fixtures and equipment are five to seven years. The estimated useful lives for leasehold improvements are the shorter of the estimated useful life of the asset, or the term of the lease, and can vary from one year to 15 years. Depreciation and amortization are computed using the straight-line method over the estimated useful lives of the depreciable or amortizable assets.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets 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 ASC 350-20-35, Goodwill--Subsequent Measure , we perform impairment testing for goodwill and indefinite-lived intangible assets annually as of October 1st. However, we test for impairment between our annual tests if an event occurs or if circumstances change that indicate that the asset would be impaired, or, in the case of goodwill, that the fair value of a reporting unit is below its carrying value. These events or circumstances could include a significant change in the business climate, a change in strategic direction, legal factors, operating performance indicators, a change in the competitive environment, the sale or disposition of a significant portion of a reporting unit or economic outlook. Goodwill Goodwill is initially valued based on the excess of the purchase price of a business combination over the fair value of the acquired net assets recognized and represents the future economic benefits arising from other assets acquired that could not be individually identified and separately recognized. Intangible assets other than goodwill are initially valued at fair value. When appropriate, we utilize independent valuation experts to advise and assist us in determining the fair value of the identified intangible assets acquired in connection with a business acquisition and in determining appropriate amortization methods and periods for those intangible assets. Any contingent consideration included as part of the purchase is recognized at its fair value on the acquisition date. Our annual impairment review for goodwill consists of performing a qualitative assessment to determine whether it is more likely than not that a reporting unit’s fair value is less than its carrying amount as a basis for determining whether or not further testing is required. We may elect to bypass the qualitative assessment and proceed directly to the two-step process, for any reporting unit, in any period. We can resume the qualitative assessment for any reporting unit in any subsequent period. If we determine, on the basis of qualitative factors, that it is more likely than not that the fair value of the reporting unit is less than the carrying amount, we will then apply a two-step process of (i) determining the fair value of the reporting unit and (ii) comparing it to the carrying value of the net assets allocated to the reporting unit. When performing the two-step process, if the fair value of the reporting unit exceeds it carrying value, no further analysis or write-down of goodwill is required. In the event the estimated fair value of a reporting unit is less than the carrying value, we recognize an impairment loss equal to such excess, which could significantly and adversely impact reported results of operations and stockholders’ equity. During the fourth quarter of 2018, we performed the qualitative assessment for our U.S. and Canada reporting units. Management concluded that the estimated fair values of these two reporting units were greater than their respective carrying values. As such, no further analysis was required for these reporting units. We performed the first step of the two-step process for our U.K. reporting unit and determined that its carrying value exceeded its implied fair value, which resulted in a complete impairment loss recognized in the fourth quarter of $22.5 million . Refer to Note 4, "Goodwill and Intangibles" for further information. During the fourth quarter of 2017, we performed the qualitative assessment for our U.S. and Canada reporting units. Management concluded that the estimated fair values of these two reporting units were greater than their respective carrying values. As such, no further analysis was required for these reporting units. We performed the first step of the two-step process for our U.K. reporting unit and determined that its implied fair value exceeded its carrying value, and therefore, the second step was not performed and no further analysis or write-down of goodwill was required. During the fourth quarter of 2016, we performed the first step of the two-step process and determined that the implied fair value of our reporting units exceeded their respective carrying values, and therefore, the second step was not performed and no further analysis or write-down of goodwill was required. Other Intangible Assets Our identifiable intangible assets, resulting from business combinations and internally developed software, consist of trade names, customer relationships, computer software, provincial licenses, franchise agreements and positive leasehold interests. We apply the guidance under Accounting Standards Codification ("ASC") 350-40, Internal Use Software ("ASC 350-40"), to software that is purchased or internally developed. Under ASC 350-40, eligible internal and external costs incurred for the development of computer software applications, as well as for upgrades and enhancements that result in additional functionality of the applications, are capitalized to "Other Intangible Assets" in the Consolidated Balance Sheets. Internal and external training and maintenance costs are charged to expense as incurred or over the related service period. When a software application is placed in service, we begin amortizing the related capitalized software costs using the straight-line method over its estimated useful life, which ranges from three to 10 years. The “Wage Day” and “Cash Money” trade names were determined to be intangible assets with indefinite lives. Intangible assets with indefinite lives are not amortized, but instead are tested annually for impairment and reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset might not be recoverable. Impairment of identifiable intangible assets with indefinite lives occurs when the fair value of the asset is less than its carrying amount. If deemed impaired, the asset’s carrying amount is reduced to its estimated fair value. In the fourth quarters of 2018 and 2017, we tested these intangible assets with indefinite lives for impairment and recognized a full impairment charge. Due to the elevated number of customer redress claims in connection with certain of its regulatory obligations to consumers and the previously-mentioned placement of the U.K. Subsidiaries into administration on February 25, 2019, management recorded an impairment of the entire $3.4 million related to certain intangible assets for Wage Day in the fourth quarter of 2018, as the cash flows for the U.K. segment are not expected to be recoverable due to the exit from the U.K. market. See Note 4, "Goodwill and Intangibles" for further information. Our finite lived intangible assets are amortized over their estimated economic benefit period, generally from three to 10 years. We review our intangible assets for impairment annually in the fourth quarter or whenever events or changes in circumstances have indicated that the carrying amount of these assets might not be recoverable. If we were to determine that events and circumstances warrant a change to the estimate of an identifiable intangible asset’s remaining useful life, then the remaining carrying amount of the identifiable intangible asset would be amortized prospectively over that revised remaining useful life. Additionally, information resulting from our annual assessment, or other events and circumstances, may indicate that the carrying value of one or more identifiable intangible assets is not recoverable which would result in recognition of an impairment charge. There were no changes in events or circumstances that would cause us to review our finite lived intangible assets for impairment in 2017. During the fourth quarter 2018 annual review, a triggering event was identified that resulted in the full impairment of the finite lived intangible assets of $0.4 million . See Note 4, "Goodwill and Intangibles" for further information.
Business Combination Accounting	Business Combination Accounting We have acquired businesses in the past, and we may acquire additional businesses in the future. Business combination accounting requires that we determine the fair value of all assets acquired, including identifiable intangible assets, liabilities assumed and contingent consideration issued in a business combination. The cost of the acquisition is allocated to these assets and liabilities in amounts equal to the estimated fair value of each asset and liability, and any remaining acquisition cost is classified as goodwill. This allocation process requires extensive use of estimates and assumptions, including estimates of future cash flows to be generated by the acquired assets. We engage third-party appraisal firms to assist in fair value determination when appropriate. Our acquisitions may also include contingent consideration, or earn-out provisions, which provide for additional consideration to be paid to the seller if certain conditions are met in the future. These earn-out provisions are estimated and recognized at fair value at the acquisition date based on projected earnings or other financial metrics over specified future periods. These estimates are reviewed during each subsequent reporting period and adjusted based upon actual results. Acquisition-related costs for potential and completed acquisitions are expensed as incurred and included in corporate expense in the Consolidated Statements of Operations.
Deferred Financing Charges	Deferred Financing Costs Deferred financing costs consist of debt issuance costs incurred in obtaining financing. These costs are presented in the Consolidated Balance Sheets as a direct reduction from the carrying amount of associated debt, consistent with discounts or premiums. The effective interest rate method is used to amortize the deferred financing costs over the life of the notes and the straight-line method is used to amortize the deferred financing costs of the Non-Recourse Canada SPV facility.
Financial Instruments	Financial Instruments The carrying amounts reflected in the Consolidated Balance Sheets for cash, restricted cash, loans receivable, borrowings under credit facilities and accounts payable approximate fair value due to their short maturities and applicable interest rates. The outstanding borrowings under our credit facilities are variable interest rate debt instruments and their fair value approximates their carrying value due to the borrowing rates currently available to us for debt with similar terms.
Deferred Rent	Deferred Rent We have entered into operating leases for store locations and corporate offices, some of which contain provisions for future rent increases or periods in which rent payments are reduced (abated). In accordance with US GAAP, we record monthly rent expense equal to the total of the payments due over the lease term, divided by the number of months of the lease term. The difference between rent expense recorded and the amount paid is charged to "Deferred rent" in the Consolidated Balance Sheets.
Advertising Costs	Advertising Costs Advertising costs are expensed as incurred.
Share-Based Compensation	Share-Based Compensation We account for share-based compensation expense for awards to our employees and directors at the estimated fair value on the grant date. We determine the fair value of stock option grants using the Black-Scholes option pricing model, which requires us to make several assumptions including, but not limited to, the risk-free interest rate and the expected volatility of publicly-traded stocks in the financial services industry. Our expected option term is calculated using the average of the vesting period and the original contractual term. For restricted stock units, the value of the award is calculated using the closing market price of our common stock on the grant date. We recognize the estimated fair value of share-based awards as compensation expense on a straight-line basis over the vesting period. We account for forfeitures as they occur for all share-based awards. Under the provisions of ASC 718, Compensation - Stock Compensation , we may choose, upon vesting of employees' RSUs, to return shares of common stock underlying the vested RSUs to us in satisfaction of employees' tax withholding obligations (collectively, "net-share settlements") rather than requiring shares of common stock to be sold on the open market to satisfy these tax withholding obligations. The total number of shares of common stock returned to us is based on the closing price of our common stock on the applicable vesting date. These net-share settlements reduced the number of shares of common stock that would have otherwise been outstanding on the open market, and the cash we paid to satisfy the employee portion of the tax withholding obligations are reflected as a reduction to "Paid-in capital" in our Consolidated Statements of Changes in Equity.
Income Taxes	Income Taxes A deferred tax asset or liability is recognized for the anticipated future tax consequences of temporary differences between the tax basis of assets or liabilities and their reported amounts in the financial statements and for operating loss and tax credit carryforwards. A valuation allowance is provided when, in the opinion of management, it is more likely than not that some portion or all of a deferred tax asset will not be realized. Realization of the deferred tax assets is dependent on our ability to generate sufficient future taxable income and, if necessary, execution of our tax planning strategies. In the event we determine that future taxable income, taking into consideration tax planning strategies, may not generate sufficient taxable income to fully realize net deferred tax assets, we may be required to establish or increase valuation allowances by a charge to income tax expense in the period such a determination is made, which may have a material impact on our Consolidated Statements of Operations. We measure deferred tax assets and liabilities using enacted tax rates expected to apply to taxable income in the years in which we expect those temporary differences to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date and it may have a material impact on our Consolidated Statements of Operations. We follow accounting guidance which prescribes a comprehensive model for how companies should recognize, measure, present, and disclose in their financial statements uncertain tax positions taken or expected to be taken on a tax return. Under this guidance, tax positions are initially recognized in the financial statements when it is more likely than not that the position will be sustained upon examination by the tax authorities. Such tax positions are initially and subsequently measured as the largest amount of tax benefit that is greater than 50% likely of being realized upon ultimate settlement with the tax authority assuming full knowledge of the position and all relevant facts. Application of this guidance requires numerous estimates based on available information. We consider many factors when evaluating and estimating our tax positions and tax benefits, and our recognized tax positions and tax benefits may not accurately anticipate actual outcomes. As we obtain additional information, we may need to adjust our recognized tax positions and tax benefits. For additional information related to uncertain tax positions, see Note 12, "Income Taxes."
Foreign Currency Translation	Foreign Currency Translation The local currencies are considered the functional currencies for our operations in Canada and the U.K. which are comprised of the Canadian dollar ("CAD" or "C") and British pound ("GBP"), respectively. All balance sheet accounts are translated into U.S. dollars ("USD") at the exchange rate at each period end. The Statement of Operations are translated at the average rates of exchange for the period. We have determined that certain of our intercompany balances are long-term in nature, and therefore, currency translation adjustments related to those accounts are recorded as a component of "Accumulated other comprehensive (loss)" in the Statements of Stockholders' Equity. For intercompany balances that are settled on a regular basis, currency translation adjustments related to those accounts are recorded as a component of "Other, net" in the Consolidated Statements of Operations.
Recently Adopted and Issued Accounting Pronouncements Not Yet Adopted	Recently Adopted Accounting Pronouncements In May 2017, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") ASU 2017-09, Compensation - Stock Compensation (Topic 718): Scope of Modification Accounting ("ASU 2017-09"). Under modification accounting, an entity is required to re-value its equity awards each time there is a modification to the terms of the awards. The provisions in ASU 2017-09 provide guidance about which changes to the terms or conditions of a share-based payment award require an entity to account for the effects of a modification, unless certain conditions are met. The amendments in this update were effective for all entities for annual periods, and interim periods therein, beginning after December 15, 2017. ASU 2017-09 was effective for all entities for annual periods, and interim periods therein, as of January 1, 2018. The adoption of this amendment did not have a material impact on our Consolidated Financial Statements. In January 2017, the FASB issued ASU 2017-04, Intangibles - Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment ("ASU 2017-04"). ASU 2017-04 simplified the goodwill impairment test by eliminating Step 2 of the test which requires an entity to compute the implied fair value of goodwill. Instead, an entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit's fair value, and is limited to the amount of total goodwill allocated to that reporting unit. Under ASU 2017-04, an entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. The provisions of ASU 2017-04 are effective for a public entity's annual or interim goodwill impairment tests in fiscal years beginning after December 15, 2019. Early adoption is permitted. We adopted ASU 2017-04 in the fourth quarter of 2018 and performed a Step 1 goodwill impairment test on our U.K. reporting unit as of October 1, 2018, resulting in a full impairment charge. Refer to Note 4, "Goodwill and Intangibles" for further information. In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805): Clarifying the Definition of a Business ("ASU 2017-01"). ASU 2017-01 narrows the definition of a business and provides a framework that gives an entity a basis for making reasonable judgments about whether a transaction involves an asset or a business and provides a screen to determine when a set (an integrated set of assets and activities) is not a business. The screen requires a determination that when substantially all of the fair value of the gross assets acquired is concentrated in a single identifiable asset or a group of similar identifiable assets, the set is not a business. If the screen is not met, ASU 2017-01 (i) requires that to be considered a business, a set must include, at a minimum, an input and a substantive process that together significantly contribute to the ability to create output and (ii) removes the evaluation of whether a market participant could replace missing elements. The amendments provide a framework to assist entities in evaluating whether both an input and a substantive process are present. Upon our loss of emerging growth company status, we adopted this guidance during the third quarter of 2018. The adoption of ASU 2017-01 did not have a material impact on our Consolidated Financial Statements. In November 2016, the FASB issued ASU 2016-18, Statement of Cash Flows (Topic 230): Restricted Cash ("ASU 2016-18"). ASU 2016-18 requires that a statement of cash flows explain the change during the period in the total of cash, cash equivalents and amounts generally described as restricted cash or restricted cash equivalents. As a result, amounts generally described as restricted cash and restricted cash equivalents should be included with cash and cash equivalents when reconciling the beginning-of-period and end-of-period total amounts shown on the statement of cash flows. The adoption should be applied using a retrospective transition method to each period presented. Upon our loss of emerging growth company status, we adopted this guidance during the third quarter of 2018. The adoption of ASU 2016-18 resulted in a decrease of $4.0 million and an increase of $3.1 million in net cash used in investing activities, as well as an increase of $0.3 million and a decrease of $0.8 million in the effect of exchange rates on cash for the years ended December 31, 2017 and 2016, respectively. In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments (a consensus of the Emerging Issues Task Force) (“ASU 2016-15”). The amendments in ASU 2016-15 provide guidance on eight specific cash flow issues, including debt prepayment or debt extinguishment costs, contingent consideration payments made after a business combination, distributions received from equity method investees and beneficial interests in securitization transactions. Upon our loss of emerging growth company status, we adopted this guidance during the third quarter of 2018. The adoption of ASU 2016-15 did not have a material impact on our Consolidated Statement of Cash Flows as we have historically presented debt prepayment and extinguishment costs as outflows from financing activities and we had no other material cash flows impacted by the guidance. In March 2016, the FASB issued ASU 2016-09, Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting ("ASU 2016-09"). ASU 2016-09 simplifies several aspects of the accounting for share-based payment award transactions and their presentation in the financial statements. The new guidance will require all income tax effects of awards to be recognized in the statement of operations when the awards vest or are settled, eliminating APIC pools. The guidance will also require companies to elect whether to account for forfeitures of share-based payments by (i) recognizing forfeitures of awards as they occur (e.g., when an award does not vest because the employee leaves the company) or (ii) estimating the number of awards expected to be forfeited and adjusting the estimate when it is likely to change, as was required prior to the issuance of ASU 2016-09. We adopted the guidance after the loss of emerging growth company status in the third quarter of 2018. The adoption of ASU 2016-09 did not have a material impact on our Consolidated Financial Statements. 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 (i) equity investments (except those accounted for under the equity method of accounting, or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income, (ii) public entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes and (iii) separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables). ASU 2016-01 eliminates the requirement to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost. Upon our loss of emerging growth company status, we adopted this guidance during the third quarter of 2018. The adoption of ASU 2016-01 did not have a material impact on our Consolidated Financial Statements. In November 2015, the FASB issued ASU No. 2015-17, Income Taxes (Topic 740): Balance Sheet Classification of Deferred Taxes (“ASU 2015-17”). ASU 2015-07 eliminates the requirement for organizations to present deferred tax liabilities and assets as current and noncurrent in a classified balance sheet. Instead, organizations will be required to classify all deferred tax assets and liabilities as noncurrent. Upon our loss of emerging growth company status, we adopted this guidance during the third quarter of 2018. The adoption of ASU 2015-17 did not have a material impact on our Consolidated Financial Statements. In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606) (“ASU 2014-09”), which amended the existing accounting standards for revenue recognition. ASU 2014-09 establishes principles for recognizing revenue upon the transfer of promised goods or services to customers in an amount that reflects the expected consideration received in exchange for those goods or services. In addition to ASU 2014-09, the FASB issued the following ASUs updating the topic: • In December 2016, ASU No. 2016-20, Technical Corrections and Improvements to Topic 606, Revenue from Contracts with Customers • In May 2016, ASU No. 2016-12 , Revenue from Contracts with Customers (Topic 606): Narrow-Scope Improvements and Practical Expedients • In April 2016, ASU No. 2016-10, Revenue from Contracts with Customers (Topic 606): Identifying Performance Obligations and Licensing • In March 2016, ASU No. 2016-08, Revenue from Contracts with Customers (Topic 606): Principal versus Agent Considerations (Reporting Revenue Gross versus Net) . • In August 2015, ASU No. 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date We adopted the provisions of Topic 606 during third quarter of 2018, which supersedes the revenue recognition requirements in ASC 605, Revenue Recognition (Topic 605). Topic 606 requires entities to recognize revenue when control of the promised goods or services is transferred to customers at an amount that reflects the consideration to which the entity expects to be entitled to in exchange for those goods or services. Most of our revenue is generated from interest or through servicing of financial contracts, both of which are excluded from the scope of ASU 2014-09. As a result, the standard did not have a material impact on our Condensed Financial Statements and we have made no adjustments to retained earnings or prior comparative periods. Recently Issued Accounting Pronouncements Not Yet Adopted In February 2016, the FASB established Topic 842, Leases , by issuing ASU No. 2016-02, which requires lessees to recognize leases on-balance sheet and disclose key information about leasing arrangements. Topic 842 was subsequently amended by ASU No. 2018-01, Land Easement Practical Expedient for Transition to Topic 842 ; ASU No. 2018-10, Codification Improvements to Topic 842, Leases ; and ASU No. 2018-11, Targeted Improvements . The new standard establishes a right-of-use model ("ROU") that requires a lessee to recognize a ROU asset and lease liability on the balance sheet for all leases with a term longer than 12 months. Leases are to be classified as finance or operating, with classification affecting the pattern and classification of expense recognition in the statement of operations. The new standard is effective for us on January 1, 2019. A modified retrospective transition approach is required, applying the new standard to all leases existing at the date of initial application. An entity may choose to use either (i) its effective date or (ii) the beginning of the earliest comparative period presented in the financial statements as its date of initial application. If an entity chooses the second option, the transition requirements for existing leases also apply to leases entered into between the date of initial application and the effective date. The entity must also recast its comparative period financial statements and provide the disclosures required by the new standard for the comparative periods. We adopted the new standard on January 1, 2019 and will use that date as our date of initial application. Consequently, financial information will not be updated and the disclosures required under the new standard will not be provided for dates and periods before January 1, 2019. The new standard provides a number of optional practical expedients in transition. We expect to elect the ‘package of practical expedients,’ which permits us not to reassess under the new standard our prior conclusions about lease identification, lease classification and initial direct costs. We do not expect to elect the use-of-hindsight or, as it is not applicable to us, the practical expedient pertaining to land easements. We expect that this standard will have a material effect on our financial statements. While we are in the process of assessing all of the effects of adoption, we believe the most significant effects relate to (i) the recognition of new ROU assets and lease liabilities on our balance sheet for our real estate operating leases; and (ii) providing significant new disclosures about our leasing activities. Upon adoption, we expect to recognize additional operating liabilities ranging from $150.0 million to $160.0 million and a corresponding ROU asset in the range of $142.0 million to $152.0 million based on the expected present value of the remaining minimum rental payments as determined under current leasing standards for existing operating leases. In August 2018, the FASB issued ASU 2018-15, Customer's Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement that is a Service Contract (“ASU 2018-15”). ASU 2018-15 requires implementation costs incurred by customers in cloud computing arrangements to be deferred over the noncancellable term of the cloud computing arrangements plus any optional renewal periods (i) that are reasonably certain to be exercised by the customer or (ii) for which exercise of the renewal option is controlled by the cloud service provider. ASU 2018-15 is effective for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years, with early adoption permitted. The standard can be adopted either using the prospective or retrospective transition approach. We are currently assessing the impact that adoption of ASU 2018-15 will have on our Consolidated Financial Statements. In August 2018, the FASB issued ASU No. 2018-13, Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement (“ASU 2018-13”), which amends ASC 820, Fair Value Measurement . ASU 2018-13 modifies the disclosure requirements for fair value measurements by removing, modifying or adding certain disclosures. The provisions of ASU 2018-13 are effective for all entities for fiscal years beginning after December 15, 2019, and interim periods therein. Early adoption is permitted. An entity is permitted to early adopt any removed or modified disclosures upon issuance of ASU 2018-13 and delay adoption of the additional disclosures until their effective date. The removed and modified disclosures will be adopted on a retrospective basis and the new disclosures will be adopted on a prospective basis. We are currently assessing the impact that adoption of ASU 2018-13 will have on our Consolidated Financial Statements. In February 2018, the FASB issued ASU 2018-02, Income Statement - Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated Other Comprehensive income ("ASU 2018-02"). Current US GAAP requires deferred tax liabilities and assets to be adjusted for the effect of a change in tax laws or rates with the effect included in income from continuing operations in the period the change is enacted, including items of other comprehensive income for which the related tax effects are presented in other comprehensive income (“stranded tax effects”). ASU 2018-02 allows, but does not require, companies to reclassify stranded tax effects caused by the Tax Cuts and Jobs Act of 2017 (the "2017 Tax Act") from accumulated other comprehensive income to retained earnings. Additionally, ASU 2018-02 requires new disclosures by all companies, whether they opt to do the reclassification or not. The provisions of ASU 2018-02 are effective for all entities for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years. Early adoption is permitted. Companies should apply the proposed amendments either in the period of adoption or retrospectively to each period (or periods) in which the effect of the change in the U.S. federal corporate income tax rate in the 2017 Tax Act is recognized. We do not expect that the adoption of this guidance will have a material impact on our Consolidated Financial Statements. In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments ” ("ASU 2016-13"). ASU 2016-13 modifies the impairment model to utilize an expected loss methodology in place of the currently used incurred loss methodology, which will result in the more timely recognition of losses. ASU 2016-13 will be effective for public companies for fiscal years beginning after December 15, 2019 and interim periods therein. We are assessing the impact of ASU 2016‑13, which could lead to an increase in the allowance for credit losses.

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS (Tables)	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Schedule of Impact of Correction	A summary of the impact of the correction follows: Year Ended December 31, (dollars in thousands) 2017 2016 As Reported: Net cash provided by operating activities $ 17,410 $ 47,712 Net cash used in investing activities (15,357 ) (16,026 ) As Corrected: Net cash provided by operating activities 434,904 329,359 Net cash used in investing activities (432,851 ) (297,673 )
Schedule of Cash	The following table provides a reconciliation of cash and restricted cash to amounts reported within the Consolidated Balance Sheets: December 31, (in thousands) 2018 2017 Cash $ 71,034 $ 162,374 Restricted cash 28,823 12,117 Total cash and restricted cash $ 99,857 $ 174,491
Schedule of Restricted Cash	The following table provides a reconciliation of cash and restricted cash to amounts reported within the Consolidated Balance Sheets: December 31, (in thousands) 2018 2017 Cash $ 71,034 $ 162,374 Restricted cash 28,823 12,117 Total cash and restricted cash $ 99,857 $ 174,491
Schedule of Accumulated Other Comprehensive Loss	The components of Accumulated other Comprehensive Loss at December 31, 2018 and 2017 were as follows: December 31 (in thousands) 2018 2017 Foreign currency translation adjustment $ (61,060 ) $ (42,939 ) Cash flow hedge — — Total $ (61,060 ) $ (42,939 )

PREPAID EXPENSES AND OTHER (Tab

PREPAID EXPENSES AND OTHER (Tables)	12 Months Ended
	Dec. 31, 2018
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Components of Prepaid Expenses and Other Assets	Components of Prepaid expenses and other assets were as follows: (in thousands) December 31, 2018 December 31, 2017 Settlements and collateral due from third-party lenders (Note 1) $ 17,205 $ 17,943 Fees receivable for third-party loans 13,771 15,059 Prepaid expenses 7,926 6,728 Other assets 6,168 2,782 Total $ 45,070 $ 42,512

PROPERTY AND EQUIPMENT (Tables)

PROPERTY AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
Classification of Property and Equipment	The classification of property and equipment was as follows: (in thousands) December 31, 2018 December 31, 2017 Leasehold improvements $ 126,903 $ 126,897 Furniture, fixtures and equipment 34,896 36,488 Property and equipment, gross 161,799 163,385 Accumulated depreciation (85,049 ) (76,299 ) Property and equipment, net $ 76,750 $ 87,086

GOODWILL AND INTANGIBLES (Table

GOODWILL AND INTANGIBLES (Tables)	12 Months Ended
	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
Change in the Carrying Amount of Goodwill	The change in the carrying amount of goodwill by operating segment for the years ended December 31, 2018 and 2017 was as follows: (in thousands) U.S. U.K. Canada Total Goodwill at December 31, 2016 $ 91,131 $ 21,882 $ 28,541 $ 141,554 Foreign currency translation - 2017 — 2,078 1,975 4,053 Goodwill at December 31, 2017 91,131 23,960 30,516 145,607 Foreign currency translation - 2018 — (1,464 ) (2,366 ) (3,830 ) Goodwill Impairment Charge - 2018 — (22,496 ) — (22,496 ) Goodwill at December 31, 2018 $ 91,131 $ — $ 28,150 $ 119,281
Identifiable Intangible Assets, Finite-Lived	Identifiable intangible assets consisted of the following: December 31, 2018 December 31, 2017 (dollars in thousands) Weighted-Average Remaining Life (Years) Gross Carrying Amount (1) Accumulated Amortization (1) Gross Carrying Amount (1) Accumulated Amortization (1) Trade name 7.2 $ 21,370 $ (6 ) $ 26,872 $ (20 ) Customer relationships 0.3 18,299 (17,643 ) 27,823 (26,137 ) Computer software 10.0 24,031 (16,267 ) 19,230 (14,999 ) Balance, end of year $ 63,700 $ (33,916 ) $ 73,925 $ (41,156 ) (1) Represents only assets that have not been fully amortized.
Identifiable Intangible Assets, Indefinite-Lived	Identifiable intangible assets consisted of the following: December 31, 2018 December 31, 2017 (dollars in thousands) Weighted-Average Remaining Life (Years) Gross Carrying Amount (1) Accumulated Amortization (1) Gross Carrying Amount (1) Accumulated Amortization (1) Trade name 7.2 $ 21,370 $ (6 ) $ 26,872 $ (20 ) Customer relationships 0.3 18,299 (17,643 ) 27,823 (26,137 ) Computer software 10.0 24,031 (16,267 ) 19,230 (14,999 ) Balance, end of year $ 63,700 $ (33,916 ) $ 73,925 $ (41,156 ) (1) Represents only assets that have not been fully amortized.
Estimated Future Amortization Expense Related to Intangible Assets Held	The following table outlines the estimated future amortization expense (1) related to intangible assets held at December 31, 2018 : (in thousands) Year Ending December 31, 2019 $ 2,373 2020 1,041 2021 483 2022 253 2023 253 (1) Future amortization expense excludes U.K. intangible assets as these were impaired as of December 31, 2018.

VARIABLE INTEREST ENTITIES (Tab

VARIABLE INTEREST ENTITIES (Tables)	12 Months Ended
	Dec. 31, 2018
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Summary of the Carrying Amounts of Consolidated VIEs' Assets and Liabilities	The carrying amounts of consolidated VIEs' assets and liabilities associated with our special purpose subsidiaries were as follows: (in thousands) December 31, 2018 (1) December 31, 2017 (1) Assets Restricted cash $ 12,840 $ 6,871 Loans receivable less allowance for loan losses 136,187 167,706 Total Assets $ 149,027 $ 174,577 Liabilities Accounts payable and accrued liabilities $ 4,980 $ 12 Deferred revenue 40 — Accrued interest 831 1,266 Long-term debt 107,479 120,402 Total Liabilities $ 113,330 $ 121,680 (1) VIE balances as of December 31, 2018 reflect the Non-Recourse Canada SPV facility whereas December 31, 2017 balances reflect the Non-Recourse U.S. SPV facility.

LOANS RECEIVABLE AND REVENUE (T

LOANS RECEIVABLE AND REVENUE (Tables)	12 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
Summary of Revenue by Product	The following table summarizes revenue by product: Year Ended December 31, (in thousands) 2018 2017 2016 Unsecured Installment $ 561,721 $ 480,243 $ 330,713 Secured Installment 110,677 100,981 81,453 Open-End 141,963 73,496 66,948 Single-Pay 229,791 268,794 313,276 Ancillary 50,159 40,119 36,206 Total revenue $ 1,094,311 $ 963,633 $ 828,596
Summary of Loans Receivable by Product and Related Delinquent Loans	The following tables summarize Loans receivable by product and the related delinquent loans receivable at December 31, 2018: December 31, 2018 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Total Current loans receivable $ 82,375 $ 157,057 $ 75,583 $ 207,333 $ 522,348 Delinquent loans receivable — 57,050 17,389 — 74,439 Total loans receivable 82,375 214,107 92,972 207,333 596,787 Less: allowance for losses (4,419 ) (42,873 ) (12,191 ) (19,901 ) (79,384 ) Loans receivable, net $ 77,956 $ 171,234 $ 80,781 $ 187,432 $ 517,403 December 31, 2018 (in thousands) Unsecured Installment Secured Installment Total Delinquent loans receivable 0-30 days past-due $ 20,779 $ 7,870 $ 28,649 31-60 days past-due 17,120 4,725 21,845 61-90 days past-due 19,151 4,794 23,945 Total delinquent loans receivable $ 57,050 $ 17,389 $ 74,439 The following tables summarize Loans receivable by product and the related delinquent loans receivable at December 31, 2017: December 31, 2017 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Total Current loans receivable $ 99,400 $ 151,343 $ 73,165 $ 47,949 $ 371,857 Delinquent loans receivable — 44,963 16,017 — 60,980 Total loans receivable 99,400 196,306 89,182 47,949 432,837 Less: allowance for losses (5,915 ) (43,755 ) (13,472 ) (6,426 ) (69,568 ) Loans receivable, net $ 93,485 $ 152,551 $ 75,710 $ 41,523 $ 363,269 December 31, 2017 (in thousands) Unsecured Installment Secured Installment Total Delinquent loans receivable 0-30 days past-due $ 18,358 $ 8,116 $ 26,474 31-60 days past-due 12,836 3,628 16,464 61-90 days past-due 13,769 4,273 18,042 Total delinquent loans receivable $ 44,963 $ 16,017 $ 60,980 The following tables summarize loans guaranteed by us under our CSO programs and the related delinquent receivables at December 31, 2018: December 31, 2018 (in thousands) Unsecured Installment Secured Installment Total Current loans receivable guaranteed by the Company $ 65,743 $ 2,504 $ 68,247 Delinquent loans receivable guaranteed by the Company 11,708 446 12,154 Total loans receivable guaranteed by the Company 77,451 2,950 80,401 Less: Liability for losses on CSO lender-owned consumer loans (11,582 ) (425 ) (12,007 ) Loans receivable guaranteed by the Company, net $ 65,869 $ 2,525 $ 68,394 December 31, 2018 (in thousands) Unsecured Installment Secured Installment Total Delinquent loans receivable 0-30 days past-due $ 9,684 $ 369 $ 10,053 31-60 days past-due 1,255 48 1,303 61-90 days past-due 769 29 798 Total delinquent loans receivable $ 11,708 $ 446 $ 12,154 The following table summarizes loans guaranteed by us under our CSO programs at December 31, 2017: December 31, 2017 (in thousands) Unsecured Installment Secured Installment Total Current loans receivable guaranteed by the Company $ 62,676 $ 3,098 $ 65,774 Delinquent loans receivable guaranteed by the Company 12,480 537 13,017 Total loans receivable guaranteed by the Company 75,156 3,635 78,791 Less: Liability for losses on CSO lender-owned consumer loans (17,073 ) (722 ) (17,795 ) Loans receivable guaranteed by the Company, net $ 58,083 $ 2,913 $ 60,996 December 31, 2017 (in thousands) Unsecured Installment Secured Installment Total Delinquent loans receivable 0-30 days past-due $ 10,477 $ 459 $ 10,936 31-60 days past-due 1,364 41 1,405 61-90 days past-due 639 37 676 Total delinquent loans receivable $ 12,480 $ 537 $ 13,017
Summary of the Activity in the Allowance for Loan Losses	The following table summarizes activity in the allowance for loan losses during the year ended December 31, 2017 : Year Ended December 31, 2017 (dollars in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 5,501 $ 17,775 $ 10,737 $ 5,179 $ — $ 39,192 Charge-offs (190,623 ) (88,694 ) (30,005 ) (39,752 ) (5,254 ) (354,328 ) Recoveries 127,184 18,002 9,517 18,743 3,291 176,737 Net charge-offs (63,439 ) (70,692 ) (20,488 ) (21,009 ) (1,963 ) (177,591 ) Provision for losses 63,760 96,150 23,223 22,245 1,963 207,341 Effect of foreign currency translation 93 522 — 11 — 626 Balance, end of period $ 5,915 $ 43,755 $ 13,472 $ 6,426 $ — $ 69,568 Allowance for loan losses as a percentage of gross loan receivables 6.0 % 22.3 % 15.1 % 13.4 % N/A 16.1 % The following table summarizes activity in the allowance for loan losses during the year ended December 31, 2018 : Year Ended December 31, 2018 (dollars in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 5,915 $ 43,755 $ 13,472 $ 6,426 $ — $ 69,568 Charge-offs (175,479 ) (163,203 ) (46,996 ) (113,150 ) (5,906 ) (504,734 ) Recoveries 122,138 24,201 10,041 41,457 3,603 201,440 Net charge-offs (53,341 ) (139,002 ) (36,955 ) (71,693 ) (2,303 ) (303,294 ) Provision for losses 52,263 138,420 35,674 86,299 2,303 314,959 Effect of foreign currency translation (418 ) (300 ) — (1,131 ) — (1,849 ) Balance, end of period $ 4,419 $ 42,873 $ 12,191 $ 19,901 $ — $ 79,384 Allowance for loan losses as a percentage of gross loan receivables 5.4 % 20.0 % 13.1 % 9.6 % N/A 13.3 %
Summary of Activity in Credit Services Organization Guarantee Liability	The following table summarizes activity in the liability for losses on CSO lender-owned consumer loans during the year ended December 31, 2018 : Year Ended December 31, 2018 (in thousands) Unsecured Installment Secured Installment Total Balance, beginning of period $ 17,073 $ 722 $ 17,795 Charge-offs (165,266 ) (4,469 ) (169,735 ) Recoveries 32,341 3,333 35,674 Net charge-offs (132,925 ) (1,136 ) (134,061 ) Provision for losses 127,434 839 128,273 Balance, end of period $ 11,582 $ 425 $ 12,007 The following table summarizes activity in the liability for losses on CSO lender-owned consumer loans during the year ended December 31, 2017 : Year Ended December 31, 2017 (in thousands) Single-Pay Unsecured Installment Secured Installment Total Balance, beginning of period $ 274 $ 15,630 $ 1,148 $ 17,052 Charge-offs (2,121 ) (141,429 ) (10,551 ) (154,101 ) Recoveries 1,335 30,230 4,394 35,959 Net charge-offs (786 ) (111,199 ) (6,157 ) (118,142 ) Provision for losses 512 112,642 5,731 118,885 Balance, end of period $ — $ 17,073 $ 722 $ 17,795
Summary of Activity in Allowance for Loan Losses, Credit Services Organization Guarantee Liability	The following table summarizes activity in the allowance for loan losses and the liability for losses on CSO lender-owned consumer loans, in total, during the year ended December 31, 2017 : Year Ended December 31, 2017 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 5,775 $ 33,405 $ 11,885 $ 5,179 $ — $ 56,244 Charge-offs (192,744 ) (230,123 ) (40,556 ) (39,752 ) (5,254 ) (508,429 ) Recoveries 128,519 48,232 13,911 18,743 3,291 212,696 Net charge-offs (64,225 ) (181,891 ) (26,645 ) (21,009 ) (1,963 ) (295,733 ) Provision for losses 64,272 208,792 28,954 22,245 1,963 326,226 Effect of foreign currency translation 93 522 — 11 — 626 Balance, end of period $ 5,915 $ 60,828 $ 14,194 $ 6,426 $ — $ 87,363 The following table summarizes activity in the allowance for loan losses and the liability for losses on CSO lender-owned consumer loans, in total, during the year ended December 31, 2018 : Year Ended December 31, 2018 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 5,915 $ 60,828 $ 14,194 $ 6,426 $ — $ 87,363 Charge-offs (175,479 ) (328,469 ) (51,465 ) (113,150 ) (5,906 ) (674,469 ) Recoveries 122,138 56,542 13,374 41,457 3,603 237,114 Net charge-offs (53,341 ) (271,927 ) (38,091 ) (71,693 ) (2,303 ) (437,355 ) Provision for losses 52,263 265,854 36,513 86,299 2,303 443,232 Effect of foreign currency translation (418 ) (300 ) — (1,131 ) — (1,849 ) Balance, end of period $ 4,419 $ 54,455 $ 12,616 $ 19,901 $ — $ 91,391

ACCOUNTS PAYABLE AND ACCRUED _2

ACCOUNTS PAYABLE AND ACCRUED LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2018
Payables and Accruals [Abstract]
Components of Accounts Payable and Accrued Liabilities	Components of Accounts payable and accrued liabilities were as follows: December 31, December 31, (in thousands) 2018 2017 Trade accounts payable $ 26,379 $ 22,483 Money orders payable 7,822 8,131 Accrued taxes, other than income taxes 1,038 678 Accrued payroll and fringe benefits 14,581 18,890 Reserve for store closure costs 2,063 4,419 Other accrued liabilities 5,399 1,191 Total $ 57,282 $ 55,792

RESTRUCTURING COSTS (Tables)

RESTRUCTURING COSTS (Tables)	12 Months Ended
	Dec. 31, 2018
Restructuring and Related Activities [Abstract]
Impairments, Store Closure Costs and Severance Costs	Impairments, store closure costs and severance costs for the years ended December 31, 2018 , 2017 and 2016 were as follows: Year Ended December 31, (in thousands) 2018 2017 2016 Lease obligations and related costs $ — $ 5,883 $ 1,620 Write-down and loss on disposal of fixed assets — 1,510 772 Severance costs — — 1,226 Total restructuring costs $ — $ 7,393 $ 3,618
Activity for the Restructuring Reserve	Activity for the restructuring reserve for the years ended December 31, 2018 and 2017 was as follows: Year Ended December 31, (in thousands) 2018 2017 Balance, beginning of period $ 4,419 $ 1,258 Additions and adjustments — 7,393 Payments and write-downs (2,356 ) (4,232 ) Balance, end of period $ 2,063 $ 4,419

LONG-TERM DEBT (Tables)

LONG-TERM DEBT (Tables)	12 Months Ended
	Dec. 31, 2018
Debt Disclosure [Abstract]
Schedule of Long-term Debt Instruments	Long-term debt consisted of the following: December 31, December 31, (in thousands) 2018 2017 8.25% Senior Secured Notes (due 2025) $ 676,661 $ — 12.00% Senior Secured Notes (due 2022) — 585,823 Non-Recourse U.S. SPV Facility — 120,402 Non-Recourse Revolving Canada SPV Facility 107,479 — Senior Revolver 20,000 — Cash Money Revolving Credit Facility — — Long-term debt $ 804,140 $ 706,225
Future Maturities of Long-Term Debt	Annual maturities of outstanding long-term debt for each of the five years after December 31, 2018 are as follows: (in thousands) Amount 2019 $ 20,000 2020 — 2021 — 2022 111,335 2023 — Thereafter 690,000 Long-term debt (before deferred financing costs and discounts) 821,335 Less: deferred financing costs and discounts 17,195 Long-term debt, net $ 804,140

SHARE-BASED COMPENSATION Tables

SHARE-BASED COMPENSATION Tables (Tables)	12 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Summary of Stock Option Activity	The following table summarizes our stock option activity for the years ended December 31, 2018 , 2017 and 2016: Stock Options Weighted Average Exercise Price Weighted Average Grant Date Fair Value Weighted Average Remaining Contractual Term (years) Aggregate Intrinsic Value (in millions) Outstanding at January 1, 2016 1,919,628 $ 2.34 Granted 461,808 $ 3.66 $ 1.67 Exercised — $ — Forfeited (502,128 ) $ 2.08 Outstanding at December 31, 2016 1,879,308 $ 2.73 4.6 $ 2.1 Granted 99,396 $ 8.86 $ 4.11 Exercised — $ — Forfeited (1,224 ) $ 3.39 Outstanding at December 31, 2017 1,977,480 $ 3.04 5.2 $ 21.8 Granted — $ — $ — Exercised (500,924 ) $ 1.46 $ 4.0 Forfeited (31,224 ) $ 4.03 $ 1.84 Outstanding at December 31, 2018 1,445,332 $ 3.56 3.7 $ 8.6 Options exercisable at December 31, 2018 1,150,972 $ 1.90 2.7 $ 7.2
Schedule of Restricted Stock Activity	A summary of the activity of unvested RSUs for the years ended December 31, 2018 and 2017 is presented in the following table: Restricted Stock Units Weighted Average Grant Date Fair Value January 1, 2017 — — Granted 1,516,241 $ 14.00 Vested — — Forfeited — — December 31, 2017 1,516,241 $ 14.00 Granted 73,663 $ 18.20 Vested (508,126 ) $ 14.00 Forfeited (21,428 ) $ 14.00 December 31, 2018 1,060,350 $ 14.29
Share-based Compensation Expense	Share-based compensation expense included in the Consolidated Statements of Operations as a component of Corporate expenses is summarized in the following table: (in thousands) 2018 2017 2016 Pre-tax share-based compensation expense $ 8,210 $ 965 $ 1,148 Income tax benefit (2,217 ) (386 ) (459 ) Total share-based compensation expense, net of tax $ 5,993 $ 579 $ 689

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Schedule of Income Tax Expense (Benefit)	Income before taxes and income tax expense (benefit) was comprised of the following: Year Ended December 31, (in thousands) 2018 2017 2016 Income (loss) before taxes: U.S. tax jurisdictions $ 19,300 $ 70,323 $ 75,555 Non-U.S. tax jurisdictions (39,864 ) 21,406 32,466 Total income (loss) before taxes $ (20,564 ) $ 91,729 $ 108,021 Current tax provision (benefit) Federal $ (7,587 ) $ 20,829 $ 24,508 State (1,497 ) 2,445 5,495 Foreign 7,748 10,542 13,254 Total current provision (benefit) (1,336 ) 33,816 43,257 Deferred tax provision (benefit) Federal 7,471 6,283 186 State 631 2,647 (134 ) Foreign (5,277 ) (170 ) (732 ) Total deferred tax provision (benefit) 2,825 8,760 (680 ) Total provision for income taxes $ 1,489 $ 42,576 $ 42,577
Schedule of Deferred Income Tax Assets (Liabilities)	The sources of deferred income tax assets (liabilities) are summarized as follows: Year Ended December 31, (in thousands) 2018 2017 Deferred tax assets related to: Loans receivable $ — $ 1,027 Accrued expenses and other reserves 3,267 3,668 Compensation accruals 4,974 3,921 Deferred revenue 78 86 State and provincial net operating loss carryforwards 1,611 822 Foreign net operating loss and capital loss carryforwards 18,008 15,850 Gross deferred tax assets 27,938 25,374 Less: Valuation allowance (22,176 ) (17,573 ) Net deferred tax assets $ 5,762 $ 7,801 Deferred tax liabilities related to: Property and equipment $ (3,126 ) $ (2,776 ) Goodwill and other intangible assets (14,508 ) (15,395 ) Prepaid expenses and other assets (197 ) (344 ) Loans receivable (127 ) — Gross deferred tax liabilities (17,958 ) (18,515 ) Net deferred tax liabilities $ (12,196 ) $ (10,714 ) Deferred tax assets and liabilities are included in the following line items in the Consolidated Balance Sheets: Year Ended December 31, (in thousands) 2018 2017 Net current deferred tax assets $ 1,534 $ 772 Net long-term deferred tax liabilities (13,730 ) (11,486 ) Net deferred tax liabilities $ (12,196 ) $ (10,714 )
Schedule of Effective Tax Rate	Differences between our effective income tax rate computed on net earnings or loss before income taxes and the statutory federal income tax rate were as follows: Year Ended December 31, (dollars in thousands) 2018 2017 2016 Income tax (benefit) expense using the statutory federal rate in effect $ (4,319 ) $ 32,105 $ 37,807 Tax effect of: Effects of foreign rates different than U.S. statutory rate 759 (5,370 ) (7,569 ) State, local and provincial income taxes, net of federal benefit 334 7,164 9,045 Tax credits (116 ) (450 ) (713 ) Nondeductible expenses 77 536 521 Impact of goodwill impairment charges 4,338 — — Foreign exchange gain/loss on intercompany loan (296 ) 899 — Valuation allowance 5,186 2,393 3,129 Deferred remeasurement — 886 205 Repatriation tax (1,610 ) 8,100 — Deferred remeasurement due to the 2017 Tax Act — (4,162 ) — Share-based compensation (3,081 ) — — Other 217 475 152 Total provision for income taxes $ 1,489 $ 42,576 $ 42,577 Effective income tax rate (7.2 )% 46.4 % 39.4 % Statutory federal income tax rate 21.0 % 35.0 % 35.0 %
Summary of Valuation Allowance	A summary of the valuation allowance was as follows: Year Ended December 31, (in thousands) 2018 2017 2016 Balance at the beginning of year $ 17,573 $ 14,072 $ 13,097 Revaluation of valuation allowance due to change in statutory rates — — (1,234 ) Increase to balance charged as expense 5,186 2,393 3,129 (Decrease) increase to balance charged to Other Comprehensive Income — (101 ) 1,627 Effect of foreign currency translation (583 ) 1,209 (2,547 ) Balance at end of year $ 22,176 $ 17,573 $ 14,072

FINANCIAL INSTRUMENTS AND CON_2

FINANCIAL INSTRUMENTS AND CONCENTRATIONS (Tables)	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Summary of Assets and Liabilities Not Measured At Fair Value	The table below presents the assets and liabilities that were not measured at fair value at December 31, 2018 . Estimated Fair Value (in thousands) Carrying Value December 31, Level 1 Level 2 Level 3 December 31, 2018 Financial assets: Cash $ 71,034 $ 71,034 $ — $ — $ 71,034 Restricted cash 28,823 28,823 — — 28,823 Loans receivable, net 596,787 — — 517,403 517,403 Investment in Cognical 6,558 — — 6,558 6,558 Financial liabilities: Liability for losses on CSO lender-owned consumer loans $ 12,007 $ — $ — $ 12,007 $ 12,007 8.25% Senior Secured Notes 676,661 — — 531,179 531,179 Non-Recourse Canada SPV facility 107,479 — — 111,335 111,335 Senior Revolver 20,000 — — 20,000 20,000 The table below presents the assets and liabilities that were not measured at fair value at December 31, 2017 . Estimated Fair Value (in thousands) Carrying Value December 31, Level 1 Level 2 Level 3 December 31, 2017 Financial assets: Cash $ 162,374 $ 162,374 $ — $ — $ 162,374 Restricted cash 12,117 12,117 — — 12,117 Loans receivable, net 363,269 — — 363,269 363,269 Investment in Cognical 5,600 — — 5,600 5,600 Financial liabilities: Liability for losses on CSO lender-owned consumer loans $ 17,795 $ — $ — $ 17,795 $ 17,795 12.00% Senior Secured Notes 585,823 — — 663,475 663,475 Non-Recourse U.S. SPV facility 120,402 — — 124,590 124,590

SUPPLEMENTAL CASH FLOW INFORM_2

SUPPLEMENTAL CASH FLOW INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2018
Supplemental Cash Flow Elements [Abstract]
Schedule of Supplemental Cash Flow Information	Supplemental cash flow information was as follows: Year Ended December 31, (in thousands) 2018 2017 2016 Cash paid for: Interest $ 84,823 $ 60,054 $ 61,019 Income taxes 16,311 26,863 43,650 Non-cash investing activities: Payment for repurchase of May 2011 Senior Secured Notes accrued in accounts payable — — 18,939 Property and equipment accrued in accounts payable 1,718 1,631 3,338

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	12 Months Ended
	Dec. 31, 2018
Segment Reporting [Abstract]
Summary of Financial Information by Segment	The following table presents summarized financial information concerning our reportable segments: Year Ended December 31, (in thousands) 2018 2017 2016 Revenues by segment: U.S. $ 853,141 $ 737,729 $ 606,798 Canada 191,932 186,408 188,078 U.K. 49,238 39,496 33,720 Consolidated revenue $ 1,094,311 $ 963,633 $ 828,596 Gross margin by segment: U.S. $ 284,828 $ 267,215 $ 204,328 Canada 40,642 67,950 78,639 U.K. 15,427 14,072 10,289 Consolidated gross margin $ 340,897 $ 349,237 $ 293,256 Segment operating income (loss): U.S. $ 1,117 $ 51,459 $ 56,778 Canada 17,001 50,797 60,482 U.K. (38,682 ) (10,527 ) (9,239 ) Consolidated operating profit $ (20,564 ) $ 91,729 $ 108,021 Expenditures for long-lived assets by segment: U.S. $ 11,105 $ 7,405 $ 10,125 Canada 2,928 1,309 5,872 U.K. 232 1,043 29 Consolidated expenditures for long-lived assets $ 14,265 $ 9,757 $ 16,026 The following table provides the proportion of gross loans receivable by segment: (in thousands) December 31, December 31, U.S. $ 361,473 $ 308,696 Canada 210,058 104,551 U.K. 25,256 19,590 Total gross loans receivable $ 596,787 $ 432,837
Summary of Long-lived Assets by Geographic Region	The following table presents our net long-lived assets, comprised of property and equipment, by segment. These amounts are aggregated on a legal entity basis and do not necessarily reflect where the asset is physically located: (in thousands) December 31, 2018 December 31, 2017 U.S. $ 47,918 $ 52,627 Canada 28,832 32,924 U.K. (1) — 1,535 Total $ 76,750 $ 87,086 (1) As previously noted, we ceased operations in the U.K. and fully impaired the U.K. property and equipment as of December 31, 2018 which resulted in an impairment charge of $1.3 million and is included in "Impairment charge on intangible asset and property and equipment" in on our Consolidated Statements of Operations.

OPERATING LEASES (Tables)

OPERATING LEASES (Tables)	12 Months Ended
	Dec. 31, 2018
Leases [Abstract]
Future Minimum Lease Payments	The following table summarizes the future minimum lease payments that we are contractually obligated to make under operating leases as of December 31, 2018 : (in thousands) Third Party Related Party Total 2019 $ 24,211 $ 3,330 $ 27,541 2020 20,547 3,285 23,832 2021 17,301 3,324 20,625 2022 14,558 3,322 17,880 2023 10,269 705 10,974 Thereafter 13,446 730 14,176 Total (1) $ 100,332 $ 14,696 $ 115,028 (1) Future minimum lease payments exclude the U.K. as all U.K. subsidiaries were placed into administration effective February 25, 2019.

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	12 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
Summary of the Computation of Basic Earnings Per Share	The following presents the computation of basic earnings per share (in thousands, except per share amounts): Year Ended December 31, 2018 2017 2016 Basic: (1) Net income $ (22,053 ) $ 49,153 $ 65,444 Weight average common shares 45,815 38,351 37,908 Basic earnings per share $ (0.48 ) $ 1.28 $ 1.73 (1) The per share information has been adjusted to give effect to the 36-to-1 stock split of our common stock which was effective December 6, 2017.
Summary of the Computation of Diluted Earnings Per Share	The following computation reconciles the differences between the basic and diluted earnings per share presentations (in thousands, except per share amounts): Year Ended December 31, 2018 2017 2016 Diluted: (1) Net income $ (22,053 ) $ 49,153 65,444 Weight average common shares (basic) 45,815 38,351 37,908 Dilutive effect of share-based compensation — 926 895 Weighted average common shares -- diluted 45,815 39,277 38,803 Diluted earnings per share $ (0.48 ) $ 1.25 $ 1.69 (1) The per share information has been adjusted to give effect to the 36-to-1 stock split of our common stock which was effective December 6, 2017.

CONDENSED CONSOLIDATING FINAN_2

CONDENSED CONSOLIDATING FINANCIAL INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2018
Condensed Financial Information Disclosure [Abstract]
Condensed Balance Sheet	Condensed Consolidating Balance Sheets December 31, 2018 (in thousands) Subsidiary Guarantors Subsidiary Non-Guarantors Canada SPV CURO Eliminations CURO Assets: Cash $ 42,403 $ 28,631 $ — $ — $ — $ 71,034 Restricted cash 9,993 5,990 12,840 — — 28,823 Loans receivable, net 304,542 76,674 136,187 — — 517,403 Deferred income taxes — 1,534 — — — 1,534 Income taxes receivable 7,190 — — 9,551 — 16,741 Prepaid expenses and other 37,866 7,204 — — — 45,070 Property and equipment, net 47,918 28,832 — — — 76,750 Goodwill 91,131 28,150 — — — 119,281 Other intangibles, net 8,418 21,366 — — — 29,784 Intercompany receivable 77,009 (32,455 ) — — (44,554 ) — Investment in subsidiaries — — — (101,665 ) 101,665 — Other 12,253 944 — — — 13,197 Total assets $ 638,723 $ 166,870 $ 149,027 $ (92,114 ) $ 57,111 $ 919,617 Liabilities and Stockholders' equity: Accounts payable and accrued liabilities $ 38,240 $ 13,870 $ 4,980 $ 192 $ — $ 57,282 Deferred revenue 5,981 3,642 40 — — 9,663 Income taxes payable — 1,579 — — — 1,579 Accrued interest 149 (5 ) 831 19,924 — 20,899 Payable to CURO 768,345 — — (768,345 ) — — CSO guarantee liability 12,007 — — — — 12,007 Deferred rent 9,559 1,441 — — — 11,000 Long-term debt (excluding current maturities) 20,000 — 107,479 676,661 — 804,140 Subordinated shareholder debt — 2,196 — — — 2,196 Intercompany payable — 224 44,330 — (44,554 ) — Other long-term liabilities 4,967 1,255 — — — 6,222 Deferred tax liabilities 15,175 — — (1,445 ) — 13,730 Total liabilities 874,423 24,202 157,660 (73,013 ) (44,554 ) 938,718 Stockholders' equity (235,700 ) 142,668 (8,633 ) (19,101 ) 101,665 (19,101 ) Total liabilities and stockholders' equity $ 638,723 $ 166,870 $ 149,027 $ (92,114 ) $ 57,111 $ 919,617 December 31, 2017 (in thousands) CFTC (1) CURO Intermediate (1) Subsidiary Subsidiary SPV Subs (1) Eliminations Consolidated CURO Eliminations CURO Assets: Cash $ — $ — $ 117,379 $ 44,915 $ — $ — $ 162,294 $ 80 $ — $ 162,374 Restricted cash — — 1,677 3,569 6,871 — 12,117 — — 12,117 Loans receivable, net — — 84,912 110,651 167,706 — 363,269 — — 363,269 Deferred income taxes — 2,154 (4,646 ) 3,502 — — 1,010 (238 ) — 772 Income taxes receivable — — — — — — — 3,455 — 3,455 Prepaid expenses and other — — 38,277 3,353 — — 41,630 882 — 42,512 Property and equipment, net — — 52,627 34,459 — — 87,086 — — 87,086 Goodwill — — 91,131 54,476 — — 145,607 — — 145,607 Other intangibles, net 16 — 5,418 27,335 — — 32,769 — — 32,769 Intercompany receivable — 37,877 33,062 (30,588 ) — (40,351 ) — — — — Investment in subsidiaries (14,504 ) 899,371 — — — (884,867 ) — (84,889 ) 84,889 — Other 5,713 — 3,017 1,040 — — 9,770 — — 9,770 Total assets $ (8,775 ) $ 939,402 $ 422,854 $ 252,712 $ 174,577 $ (925,218 ) $ 855,552 $ (80,710 ) $ 84,889 $ 859,731 Liabilities and Stockholders' equity: Accounts payable and accrued liabilities $ 2,606 $ 13 $ 35,753 $ 15,954 $ 12 $ — $ 54,338 $ 1,454 $ — $ 55,792 Deferred revenue — — 6,529 5,455 — — 11,984 — — 11,984 Income taxes payable (49,738 ) 70,231 (18,450 ) 2,077 — — 4,120 — — 4,120 Accrued interest 24,201 — — — 1,266 — 25,467 — — 25,467 Payable to CURO 184,348 — (95,048 ) — — — 89,300 (89,300 ) — — CSO guarantee liability — — 17,795 — — — 17,795 — — 17,795 Deferred rent — — 9,896 1,681 — — 11,577 — — 11,577 Long-term debt (excluding current maturities) 585,823 — — — 120,402 — 706,225 — — 706,225 Subordinated shareholder debt — — — 2,381 — — 2,381 — — 2,381 Intercompany payable (668,536 ) 876,869 (124,332 ) 40,351 (84,001 ) (40,351 ) — — — — Other long-term liabilities — — 3,969 1,799 — — 5,768 — — 5,768 Deferred tax liabilities (2,590 ) 6,793 (143 ) 7,426 — — 11,486 — — 11,486 Total liabilities 76,114 953,906 (164,031 ) 77,124 37,679 (40,351 ) 940,441 (87,846 ) — 852,595 Stockholders' equity (84,889 ) (14,504 ) 586,885 175,588 136,898 (884,867 ) (84,889 ) 7,136 84,889 7,136 Total liabilities and stockholders' equity $ (8,775 ) $ 939,402 $ 422,854 $ 252,712 $ 174,577 $ (925,218 ) $ 855,552 $ (80,710 ) $ 84,889 $ 859,731 (1) Consolidating schedules presented separately for (i) CFTC as the issuer of the 12.00% Senior Secured Notes that were redeemed in August 2018, (ii) CURO Intermediate as the issuer of the 10.75% Senior Secured Notes that were redeemed in February 2017 and (iii) U.S. SPV as the issuer of the Non-Recourse U.S. SPV Facility that was extinguished in October 2018.
Condensed Income Statement	Condensed Consolidating Statements of Operations Year Ended December 31, 2018 (in thousands) Subsidiary Guarantors Subsidiary Non-Guarantors Canada SPV CURO Eliminations CURO Revenue $ 853,141 $ 212,705 $ 28,465 $ — $ — $ 1,094,311 Provision for losses 348,611 61,276 33,345 — — 443,232 Net revenue 504,530 151,429 (4,880 ) — — 651,079 Cost of providing services: Salaries and benefits 71,447 35,306 — — — 106,753 Occupancy 30,797 22,887 — — — 53,684 Office 21,285 7,137 — — — 28,422 Other store operating expenses 47,341 5,649 — — — 52,990 Advertising 48,832 19,501 — — — 68,333 Total cost of providing services 219,702 90,480 — — — 310,182 Gross Margin 284,828 60,949 (4,880 ) — — 340,897 Operating (income) expense: Corporate, district and other 103,509 46,157 38 9,251 — 158,955 Intercompany management fee (13,404 ) 13,388 16 — — — Interest expense 59,949 68 3,907 20,432 — 84,356 Loss on extinguishment of debt 90,569 — — — — 90,569 Goodwill impairment charges — 22,496 — — — 22,496 Impairment charges on intangible assets and property and equipment — 5,085 — — — 5,085 Intercompany interest (income) expense (4,778 ) 4,778 — — — — Total operating expense 235,845 91,972 3,961 29,683 — 361,461 Net income (loss) before income taxes 48,983 (31,023 ) (8,841 ) (29,683 ) — (20,564 ) Provision for income tax expense (benefit) 5,635 2,471 — (6,617 ) — 1,489 Net income (loss) 43,348 (33,494 ) (8,841 ) (23,066 ) — (22,053 ) Equity in net income (loss) of subsidiaries: CFTC — — — 1,013 (1,013 ) — Guarantor Subsidiaries 43,348 — — — (43,348 ) — Non-Guarantor Subsidiaries (33,494 ) — — — 33,494 — SPV Subs (8,841 ) — — — 8,841 — Net income (loss) attributable to CURO $ 44,361 $ (33,494 ) $ (8,841 ) $ (22,053 ) $ (2,026 ) $ (22,053 ) Year Ended December 31, 2017 (in thousands) CFTC (1) CURO Intermediate (1) Subsidiary Guarantors Subsidiary Non-Guarantors SPV Subs (1) Eliminations CFTC Consolidated CURO Eliminations CURO Revenue $ — $ — $ 465,170 $ 225,904 $ 272,559 $ — $ 963,633 $ — $ — $ 963,633 Provision for losses — — 164,068 58,735 103,423 — 326,226 — — 326,226 Net revenue — — 301,102 167,169 169,136 — 637,407 — — 637,407 Cost of providing services: Salaries and benefits — — 69,927 35,269 — — 105,196 — — 105,196 Occupancy — — 31,393 23,219 — — 54,612 — — 54,612 Office — — 16,884 4,518 — — 21,402 — — 21,402 Other store operating expenses — — 48,163 6,231 508 — 54,902 — — 54,902 Advertising — — 36,148 15,910 — — 52,058 — — 52,058 Total cost of providing services — — 202,515 85,147 508 — 288,170 — — 288,170 Gross Margin — — 98,587 82,022 168,628 — 349,237 — — 349,237 Operating (income) expense: Corporate, district and other 7,549 (25 ) 108,901 34,170 451 — 151,046 3,927 — 154,973 Intercompany management fee — — (23,741 ) 13,970 9,771 — — — — — Interest expense 55,809 9,613 (124 ) 189 13,887 — 79,374 3,310 — 82,684 Loss on extinguishment of debt — 11,884 — — — — 11,884 574 — 12,458 Restructuring costs — — — 7,393 — — 7,393 — — 7,393 Intercompany interest (income) expense — (4,216 ) (678 ) 4,894 — — — — — — Total operating expense 63,358 17,256 84,358 60,616 24,109 — 249,697 7,811 — 257,508 Net income (loss) before income taxes (63,358 ) (17,256 ) 14,229 21,406 144,519 — 99,540 (7,811 ) — 91,729 Provision for income tax expense (benefit) (24,077 ) 73,218 (13,752 ) 10,372 — — 45,761 (3,185 ) — 42,576 Net income (loss) (39,281 ) (90,474 ) 27,981 11,034 144,519 — 53,779 (4,626 ) — 49,153 Equity in net income (loss) of subsidiaries: CFTC — — — — — — — 53,779 (53,779 ) — CURO Intermediate (90,474 ) — — — — 90,474 — — — — Guarantor Subsidiaries 27,981 — — — — (27,981 ) — — — — Non-Guarantor Subsidiaries 11,034 — — — — (11,034 ) — — — — SPV Subs 144,519 — — — — (144,519 ) — — — — Net income (loss) attributable to CURO $ 53,779 $ (90,474 ) $ 27,981 $ 11,034 $ 144,519 $ (93,060 ) $ 53,779 $ 49,153 $ (53,779 ) $ 49,153 (1) Consolidating schedules presented separately for (i) CFTC as the issuer of the 12.00% Senior Secured Notes that were redeemed in August 2018, (ii) CURO Intermediate as the issuer of the 10.75% Senior Secured Notes that were redeemed in February 2017 and (iii) U.S. SPV as the issuer of the Non-Recourse U.S. SPV Facility that was extinguished in October 2018. Year Ended December 31, 2016 (in thousands) CFTC (1) CURO Intermediate (1) Subsidiary Guarantors Subsidiary Non-Guarantors SPV Subs (1) Eliminations CFTC Consolidated CURO Eliminations CURO Revenue $ — $ — $ 581,820 $ 221,799 $ 24,977 $ — $ 828,596 $ — $ — $ 828,596 Provision for losses — — 176,546 50,540 31,203 — 258,289 — — 258,289 Net revenue — — 405,274 171,259 (6,226 ) — 570,307 — — 570,307 Cost of providing services: Salaries and benefits — — 69,549 34,992 — — 104,541 — — 104,541 Occupancy — — 31,451 23,058 — — 54,509 — — 54,509 Office — — 15,883 4,580 — — 20,463 — — 20,463 Other store operating expenses — — 47,491 6,120 6 — 53,617 — — 53,617 Advertising — — 30,340 13,581 — — 43,921 — — 43,921 Total cost of providing services — — 194,714 82,331 6 — 277,051 — — 277,051 Gross Margin — — 210,560 88,928 (6,232 ) — 293,256 — — 293,256 Operating (income) expense: Corporate, district and other 1,898 338 85,452 36,140 — — 123,828 446 — 124,274 Intercompany management fee — — (12,632 ) 12,632 — — — — — — Interest expense — 47,684 2 58 864 — 48,608 15,726 — 64,334 Intercompany Interest (income) expense — (4,961 ) (1,319 ) 5,741 539 — — — — — Loss on extinguishment of debt — (6,991 ) — — — — (6,991 ) — — (6,991 ) Restructuring costs — — 1,726 1,892 — — 3,618 — — 3,618 Total operating expense 1,898 36,070 73,229 56,463 1,403 — 169,063 16,172 — 185,235 Net income (loss) before income taxes (1,898 ) (36,070 ) 137,331 32,465 (7,635 ) — 124,193 (16,172 ) — 108,021 Provision for income tax (benefit) expense (682 ) 22,788 14,543 12,522 — — 49,171 (6,594 ) — 42,577 Net income (loss) (1,216 ) (58,858 ) 122,788 19,943 (7,635 ) — 75,022 (9,578 ) — 65,444 Equity in net income (loss) of subsidiaries: CFTC — — — — — — — 75,022 (75,022 ) — CURO Intermediate (58,858 ) — — — — 58,858 — — — — Guarantor Subsidiaries 122,788 — — — — (122,788 ) — — — — Non-Guarantor Subsidiaries 19,943 — — — — (19,943 ) — — — — SPV Subs (7,635 ) — — — — 7,635 — — — — Net income (loss) attributable to CURO $ 75,022 $ (58,858 ) $ 122,788 $ 19,943 $ (7,635 ) $ (76,238 ) $ 75,022 $ 65,444 $ (75,022 ) $ 65,444 (1) Consolidating schedules presented separately for (i) CFTC as the issuer of the 12.00% Senior Secured Notes that were redeemed in August 2018, (ii) CURO Intermediate as the issuer of the 10.75% Senior Secured Notes that were redeemed in February 2017 and (iii) U.S. SPV as the issuer of the Non-Recourse U.S. SPV Facility that was extinguished in October 2018.
Condensed Cash Flow Statement	Condensed Consolidating Statements of Cash Flows Year Ended December 31, 2018 (in thousands) Subsidiary Guarantors Subsidiary Non-Guarantors Canada SPV CURO Eliminations CURO Consolidated Cash flows from operating activities: Net cash provided (used) $ 1,104,821 $ 27,598 $ 72,648 $ (674,290 ) $ 3,687 $ 534,464 Cash flows from investing activities: Purchase of property, equipment and software (11,105 ) (3,160 ) — — — (14,265 ) Originations of loans, net (398,542 ) (34,887 ) (172,193 ) — — (605,622 ) Cash paid for Zibby Investment (958 ) — — — — (958 ) Net cash used (410,605 ) (38,047 ) (172,193 ) — — (620,845 ) Cash flows from financing activities: Proceeds from Non-Recourse U.S. SPV facility and ABL facility 17,000 — — — — 17,000 Payments on Non-Recourse U.S. SPV facility and ABL facility (141,590 ) — — — — (141,590 ) Proceeds from Non-Recourse Canada SPV facility — — 117,157 — — 117,157 Payments on 12.00% Senior Secured Notes (605,000 ) — — — — (605,000 ) Proceeds from issuance of 8.25% Senior Secured Notes — — — 690,000 — 690,000 Payments of call premiums from early debt extinguishments (69,650 ) — — — — (69,650 ) Debt issuance costs paid (232 ) — (4,529 ) (13,848 ) — (18,609 ) Proceeds from revolving credit facilities 87,000 44,902 — — — 131,902 Payments on revolving credit facilities (67,000 ) (44,902 ) — — — (111,902 ) Proceeds from exercise of stock options 559 — — — — 559 Payments to net share settle RSU's — — — (1,942 ) — (1,942 ) Net proceeds from issuance of common stock 11,167 — — — — 11,167 Net cash (used) provided (767,746 ) — 112,628 674,210 — 19,092 Effect of exchange rate changes on cash and restricted cash — (3,415 ) (243 ) — (3,687 ) (7,345 ) Net increase (decrease) in cash and restricted cash (73,530 ) (13,864 ) 12,840 (80 ) — (74,634 ) Cash and restricted cash at beginning of period 125,927 48,484 — 80 — 174,491 Cash and restricted cash at end of period $ 52,397 $ 34,620 $ 12,840 $ — $ — $ 99,857 Year Ended December 31, 2017 (in thousands) CFTC (1) CURO Intermediate (1) Subsidiary Guarantors Subsidiary Non-Guarantors SPV Subs (1) Eliminations CFTC CURO CURO Consolidated Cash flows from operating activities: Net cash provided (used) $ (264,670 ) $ 447,027 $ 175,213 $ 68,973 $ 98,075 $ (3,514 ) $ 521,104 $ (86,200 ) $ 434,904 Cash flows from investing activities: Purchase of property, equipment and software — — (7,406 ) (2,351 ) — — (9,757 ) — (9,757 ) Originations of loans, net — — (177,687 ) (89,554 ) (150,253 ) — (417,494 ) — (417,494 ) Cash paid for Zibby Investment (5,600 ) — — — — — (5,600 ) — (5,600 ) Net cash provided (used) (5,600 ) — (185,093 ) (91,905 ) (150,253 ) — (432,851 ) — (432,851 ) Cash flows from financing activities: Proceeds from Non-Recourse U.S. SPV facility and ABL facility — 1,590 — — 58,540 — 60,130 — 60,130 Payments on Non-Recourse U.S. SPV facility and ABL facility — (24,996 ) — — (2,261 ) — (27,257 ) — (27,257 ) Proceeds from issuance of 12.00% Senior Secured Notes 601,054 — — — — — 601,054 — 601,054 Proceeds from revolving credit facilities 35,000 — — 8,084 — — 43,084 — 43,084 Payments on revolving credit facilities (35,000 ) — — (8,084 ) — — (43,084 ) — (43,084 ) Payments on 10.75% Senior Secured Notes — (426,034 ) — — — — (426,034 ) — (426,034 ) Dividends (paid) received to/from CURO Group Holdings Corp. (312,083 ) — — — — — (312,083 ) 312,083 — Payments on Cash Pay Senior Notes — — — — — — — (125,000 ) (125,000 ) Dividends paid to stockholders — — — — — — — (182,000 ) (182,000 ) Proceeds from issuance of common stock — — — — — — — 81,117 81,117 Debt issuance costs paid (18,701 ) — — — — — (18,701 ) — (18,701 ) Net cash provided (used) 270,270 (449,440 ) — — 56,279 — (122,891 ) 86,200 (36,691 ) Effect of exchange rate changes on cash and restricted cash — — — 4,262 — 3,514 7,776 — 7,776 Net increase (decrease) in cash and restricted cash — (2,413 ) (9,880 ) (18,670 ) 4,101 — (26,862 ) — (26,862 ) Cash and restricted cash at beginning of period — 2,413 128,936 67,154 2,770 — 201,273 80 201,353 Cash and restricted cash at end of period $ — $ — $ 119,056 $ 48,484 $ 6,871 $ — $ 174,411 $ 80 $ 174,491 (1) Consolidating schedules presented separately for (i) CFTC as the issuer of the 12.00% Senior Secured Notes that were redeemed in August 2018, (ii) CURO Intermediate as the issuer of the 10.75% Senior Secured Notes that were redeemed in February 2017 and (iii) U.S. SPV as the issuer of the Non-Recourse U.S. SPV Facility that was extinguished in October 2018. Year Ended December 31, 2016 (in thousands) CFTC (1) CURO Intermediate (1) Subsidiary Guarantors Subsidiary SPV Subs (1) Eliminations CFTC Consolidated CURO CURO Cash flows from operating activities: Net cash provided (used) $ 20 $ 29,400 $ 157,903 $ 96,166 $ 47,899 $ (627 ) $ 330,761 $ (1,402 ) $ 329,359 Cash flows from investing activities: Purchase of property, equipment and software (20 ) — (10,105 ) (5,901 ) — — (16,026 ) — (16,026 ) Originations of loans, net — — (81,711 ) (68,436 ) (131,500 ) — (281,647 ) — (281,647 ) Net cash provided (used) (20 ) — (91,816 ) (74,337 ) (131,500 ) — (297,673 ) — (297,673 ) Cash flows from financing activities: Proceeds from credit facility — 30,000 — — — — 30,000 — 30,000 Payments on credit facility — (38,050 ) — — — — (38,050 ) — (38,050 ) Deferred financing costs — — — — (5,346 ) — (5,346 ) — (5,346 ) Proceeds from Non-Recourse U.S. SPV Facility and ABL facility — — — — 91,717 — 91,717 — 91,717 Purchase of May 2011 Senior Secured notes — (18,939 ) — — — — (18,939 ) — (18,939 ) Net cash provided (used) — (26,989 ) — — 86,371 — 59,382 — 59,382 Effect of exchange rate changes on cash and restricted cash — — — (2,666 ) — 627 (2,039 ) — (2,039 ) Net increase in cash and restricted cash — 2,411 66,087 19,163 2,770 — 90,431 (1,402 ) 89,029 Cash and restricted cash at beginning of period — 2 62,849 47,991 — — 110,842 1,482 112,324 Cash and restricted cash at end of period $ — $ 2,413 $ 128,936 $ 67,154 $ 2,770 $ — $ 201,273 $ 80 $ 201,353 (1) Consolidating schedules presented separately for (i) CFTC as the issuer of the 12.00% Senior Secured Notes that were redeemed in August 2018, (ii) CURO Intermediate as the issuer of the 10.75% Senior Secured Notes that were redeemed in February 2017 and (iii) U.S. SPV as the issuer of the Non-Recourse U.S. SPV Facility that was extinguished in October 2018.

QUARTERLY FINANCIAL DATA (UNA_2

QUARTERLY FINANCIAL DATA (UNAUDITED) (Tables)	12 Months Ended
	Dec. 31, 2018
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Data	The following is a summary of the quarterly results of operations for the years ended December 31, 2018 and 2017. 2018 (dollars in thousands, except per share amounts) First Quarter Second Quarter Third Quarter (1) Fourth Quarter Revenue $ 261,758 $ 248,983 $ 283,004 $ 300,566 Provision for losses 81,031 91,986 134,523 135,692 Net revenue $ 180,727 $ 156,997 $ 148,481 $ 164,874 Total cost of providing services $ 71,482 $ 76,585 $ 84,497 $ 77,618 Gross margin $ 109,245 $ 80,412 $ 63,984 $ 87,256 Net income (loss) $ 23,292 $ 15,975 $ (47,022 ) $ (14,298 ) Basic earnings (loss) per share $ 0.51 $ 0.35 $ (1.03 ) $ (0.31 ) Diluted earnings (loss) per share $ 0.49 $ 0.33 $ (1.03 ) $ (0.31 ) Basic weighted average shares outstanding 45,506 45,650 45,853 46,158 Diluted weighted average shares outstanding 47,416 47,996 45,853 46,158 (1) As of December 31, 2018, we have made certain insignificant adjustments to previously-reported Earnings Per Share ("EPS") to correctly reflect the effect of anti-dilutive shares on diluted EPS calculations in accordance with ASC 260. These changes were immaterial to the overall EPS calculation. Diluted loss per share for the three months ended September 30, 2018 of $0.97 was corrected to $1.03. 2017 (dollars in thousands, except per share amounts) First Quarter Second Quarter Third Quarter Fourth Quarter Revenue $ 224,580 $ 216,944 $ 255,119 $ 266,990 Provision for losses 61,736 65,446 99,341 99,703 Net revenue $ 162,844 $ 151,498 $ 155,778 167,287 Total cost of providing services $ 67,939 $ 69,496 $ 75,612 75,123 Gross margin $ 94,905 $ 82,002 $ 80,166 92,164 Net income $ 16,638 $ 16,342 $ 9,763 $ 6,410 Basic earnings per share $ 0.44 $ 0.43 $ 0.26 $ 0.16 Diluted earnings per share $ 0.43 $ 0.42 $ 0.25 $ 0.16 Basic weighted average shares outstanding 37,895 37,895 37,908 39,706 Diluted weighted average shares outstanding 38,959 38,987 38,914 40,524

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS - Narrative (Details) £ in Millions	Nov. 30, 2017USD ($)	Oct. 31, 2018USD ($)	May 31, 2017USD ($)	Dec. 31, 2018USD ($)lender	Sep. 30, 2018USD ($)	Jun. 30, 2018USD ($)	Mar. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Sep. 30, 2017USD ($)	Jun. 30, 2017USD ($)	Mar. 31, 2017USD ($)	Dec. 31, 2018USD ($)lender	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)	Dec. 31, 2013USD ($)	Mar. 31, 2019USD ($)	Nov. 02, 2018USD ($)	Oct. 31, 2018GBP (£)	Aug. 31, 2018USD ($)	Aug. 13, 2018USD ($)	May 31, 2017GBP (£)	Feb. 28, 2017USD ($)
Accounting Policies [Abstract]
Stock split conversion ratio	36
Debt Instrument [Line Items]
Decrease in cash provided by operating activities												$ 534,464,000	$ 434,904,000	$ 329,359,000
Increase (decrease) in net cash provide by (used in) investing activities												$ (620,845,000)	(432,851,000)	(297,673,000)
Loans receivable, expected term												60 months
Cash				$ 71,034,000				$ 162,374,000				$ 71,034,000	162,374,000
Restricted cash				28,823,000				12,117,000				28,823,000	12,117,000
Delinquent loans receivable				74,439,000				60,980,000				74,439,000	60,980,000
Allowance for loan losses				79,384,000				69,568,000				79,384,000	69,568,000	39,192,000
Revenue				300,566,000	$ 283,004,000	$ 248,983,000	$ 261,758,000	266,990,000	$ 255,119,000	$ 216,944,000	$ 224,580,000	1,094,311,000	963,633,000	828,596,000
Loans receivable, net				517,403,000				363,269,000				517,403,000	363,269,000
CSO guarantee liability				(12,007,000)				(17,795,000)				(12,007,000)	(17,795,000)	(17,052,000)
Realized loss on cash flow hedge		$ 600,000	$ 600,000									556,000	333,000	0
Goodwill impairment charges												22,496,000	0	0
Impairment of intangible assets, indefinite-lived													0
Increase (decrease) in effect of exchange rate changes on cash and restricted cash												(7,345,000)	7,776,000	(2,039,000)
Accounting Standards Update 2016-18
Debt Instrument [Line Items]
Increase (decrease) in net cash provide by (used in) investing activities													(4,000,000)	3,100,000
Increase (decrease) in effect of exchange rate changes on cash and restricted cash													300,000	(800,000)
U.K.
Debt Instrument [Line Items]
Goodwill impairment charges												$ 22,500,000
Impairment of intangible assets, indefinite-lived				3,400,000
Impairment of intangible assets, finite-lived				$ 400,000
Foreign Exchange Forward | Cash Flow Hedging
Debt Instrument [Line Items]
Forward hedge agreement | £																		£ 10.4			£ 4.8
Credit Services Organization Programs
Debt Instrument [Line Items]
Number of unaffiliated third-party lenders for CSO programs | lender				4								4
CSO guarantee liability				$ (12,007,000)				(17,795,000)				$ (12,007,000)	(17,795,000)
Credit Services Organization Programs | Financial Guarantee
Debt Instrument [Line Items]
Guarantor obligations, maximum exposure, undiscounted				66,900,000				65,200,000				$ 66,900,000	65,200,000
Consumer Portfolio Segment | Auto Title Loan
Debt Instrument [Line Items]
Loans receivable, expected term												30 days
Consumer Portfolio Segment | Installment Loans
Debt Instrument [Line Items]
Delinquent loans receivable								61,000,000					61,000,000
Allowance for loan losses								69,600,000					69,600,000
Consumer Portfolio Segment | Installment Loans | Financing Receivables, 1 to 90 Days Past Due
Debt Instrument [Line Items]
Allowance for loan losses								38,700,000					38,700,000
Consumer Portfolio Segment | Unsecured Installment
Debt Instrument [Line Items]
Delinquent loans receivable				57,050,000				44,963,000				$ 57,050,000	44,963,000
Allowance for loan losses				42,873,000				43,755,000				42,873,000	43,755,000	17,775,000
Revenue												561,721,000	480,243,000	330,713,000
Loans receivable, net				171,234,000				152,551,000				171,234,000	152,551,000
CSO guarantee liability				(11,582,000)				(17,073,000)				$ (11,582,000)	$ (17,073,000)	(15,630,000)
Consumer Portfolio Segment | Unsecured Installment | Credit Services Organization Programs
Debt Instrument [Line Items]
Loans receivable loans paid off prior to maturity date under CSO program												57.30%	53.60%
Consumer Portfolio Segment | Secured Installment
Debt Instrument [Line Items]
Delinquent loans receivable				17,389,000				16,017,000				$ 17,389,000	$ 16,017,000
Allowance for loan losses				12,191,000				13,472,000				12,191,000	13,472,000	10,737,000
Revenue												110,677,000	100,981,000	81,453,000
Loans receivable, net				80,781,000				75,710,000				80,781,000	75,710,000
CSO guarantee liability				(425,000)				(722,000)				$ (425,000)	$ (722,000)	(1,148,000)
Consumer Portfolio Segment | Secured Installment | Credit Services Organization Programs
Debt Instrument [Line Items]
Loans receivable loans paid off prior to maturity date under CSO program												54.50%	53.60%
Minimum
Debt Instrument [Line Items]
Estimated useful life, finite-lived intangible assets												3 years
Minimum | Accounting Standards Update 2016-02 | Scenario, Forecast
Debt Instrument [Line Items]
Operating liabilities																$ 150,000,000
ROU assets																142,000,000
Minimum | Computer software
Debt Instrument [Line Items]
Estimated useful life, finite-lived intangible assets												3 years
Minimum | Furniture, fixtures and equipment
Debt Instrument [Line Items]
Estimated useful lives												5 years
Minimum | Leasehold improvements
Debt Instrument [Line Items]
Estimated useful lives												1 year
Minimum | Consumer Portfolio Segment | Payday Loan
Debt Instrument [Line Items]
Loans receivable, expected term												14 days
Maximum
Debt Instrument [Line Items]
Estimated useful life, finite-lived intangible assets												10 years
Maximum | Accounting Standards Update 2016-02 | Scenario, Forecast
Debt Instrument [Line Items]
Operating liabilities																160,000,000
ROU assets																$ 152,000,000
Maximum | Computer software
Debt Instrument [Line Items]
Estimated useful life, finite-lived intangible assets												10 years
Maximum | Furniture, fixtures and equipment
Debt Instrument [Line Items]
Estimated useful lives												7 years
Maximum | Leasehold improvements
Debt Instrument [Line Items]
Estimated useful lives												15 years
Maximum | Consumer Portfolio Segment | Payday Loan
Debt Instrument [Line Items]
Loans receivable, expected term												1 month
Maximum | Consumer Portfolio Segment | Installment Loans
Debt Instrument [Line Items]
Loans receivable, expected term												60 months
Variable Interest Entity
Debt Instrument [Line Items]
Restricted cash				12,840,000				6,871,000				$ 12,840,000	$ 6,871,000
Allowance for loan losses				12,688,000				46,140,000				12,688,000	46,140,000
Demand Deposit
Debt Instrument [Line Items]
Restricted cash				33,200,000				23,200,000				33,200,000	23,200,000
Demand Deposit | Restricted cash
Debt Instrument [Line Items]
Restricted cash				16,000,000				5,200,000				16,000,000	5,200,000
Demand Deposit | Prepaid expenses and other
Debt Instrument [Line Items]
Restricted cash				17,200,000				17,900,000				17,200,000	17,900,000
United States
Debt Instrument [Line Items]
Cash				42,400,000				117,500,000				42,400,000	117,500,000
Canada
Debt Instrument [Line Items]
Cash				18,800,000				36,000,000				18,800,000	36,000,000
United Kingdom
Debt Instrument [Line Items]
Cash				9,900,000				8,900,000				9,900,000	8,900,000
Ohio | Consumer Portfolio Segment | Unsecured Installment | Credit Services Organization Programs
Debt Instrument [Line Items]
Revenue												19,300,000
Loans receivable, net				$ 5,200,000								$ 5,200,000
Ohio | Maximum | Credit Services Organization Programs
Debt Instrument [Line Items]
Loans receivable, expected term												18 months
Texas | Maximum | Credit Services Organization Programs
Debt Instrument [Line Items]
Loans receivable, expected term												180 days
Restatement Adjustment | ASC 230-10-45-12 and ASC 230-10-45-13 Classifications
Debt Instrument [Line Items]
Decrease in cash provided by operating activities													417,500,000	278,600,000
Increase (decrease) in net cash provide by (used in) investing activities													(417,500,000)	$ (278,500,000)
Wage Day Advance Limited
Debt Instrument [Line Items]
Acquisition price															$ 80,900,000
8.25% Senior Notes Due 2025
Debt Instrument [Line Items]
Stated interest rate (as percent)				8.25%								8.25%
8.25% Senior Notes Due 2025 | Senior Notes
Debt Instrument [Line Items]
Debt instrument, face amount																			$ 690,000,000	$ 690,000,000
Stated interest rate (as percent)				8.25%								8.25%							8.25%	8.25%
12.00% Senior Secured Notes (due 2022)
Debt Instrument [Line Items]
Stated interest rate (as percent)																						12.00%
12.00% Senior Secured Notes (due 2022) | Senior Notes
Debt Instrument [Line Items]
Debt instrument, face amount	$ 135,000,000							$ 605,000,000					$ 605,000,000				$ 135,000,000					$ 470,000,000
Stated interest rate (as percent)	12.00%			12.00%	12.00%			12.00%				12.00%	12.00%				12.00%

SUMMARY OF SIGNIFICANT ACCOUN_5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS - Summary of Impact of Correction (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net cash provided by operating activities	$ 534,464	$ 434,904	$ 329,359
Net cash used in investing activities	$ (620,845)	(432,851)	(297,673)
Previously Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net cash provided by operating activities		17,410	47,712
Net cash used in investing activities		$ (15,357)	$ (16,026)

SUMMARY OF SIGNIFICANT ACCOUN_6

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS - Cash and Restricted Cash (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Accounting Policies [Abstract]
Cash	$ 71,034	$ 162,374
Restricted cash	28,823	12,117
Total cash and restricted cash	$ 99,857	$ 174,491	$ 201,353	$ 112,324

SUMMARY OF SIGNIFICANT ACCOUN_7

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS - Components of Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands		Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholder’s equity		$ (19,101)	$ 7,136	$ 40,855	$ (19,382)
Total
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholder’s equity	[1]	(61,060)	(42,939)	$ (59,985)	$ (53,630)
Foreign currency translation adjustment
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholder’s equity		(61,060)	(42,939)
Cash flow hedge
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholder’s equity		$ 0	$ 0
[1]	Accumulated other comprehensive income (loss)

PREPAID EXPENSES AND OTHER (Det

PREPAID EXPENSES AND OTHER (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Settlements and collateral due from third-party lenders (Note 1)	$ 17,205	$ 17,943
Fees receivable for third-party loans	13,771	15,059
Prepaid expenses	7,926	6,728
Other assets	6,168	2,782
Total	$ 45,070	$ 42,512

PROPERTY AND EQUIPMENT (Details

PROPERTY AND EQUIPMENT (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 161,799	$ 163,385
Accumulated depreciation	(85,049)	(76,299)
Property and equipment, net	76,750	87,086
Depreciation expense	16,000	16,700	$ 15,400
Leasehold improvements
Property, Plant and Equipment [Line Items]
Property and equipment, gross	126,903	126,897
Furniture, fixtures and equipment
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 34,896	$ 36,488

GOODWILL AND INTANGIBLES - Good

GOODWILL AND INTANGIBLES - Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Goodwill [Roll Forward]
Goodwill	$ 145,607	$ 141,554
Foreign currency translation	(3,830)	4,053
Goodwill impairment charge	(22,496)	0	$ 0
Goodwill	119,281	145,607	141,554
U.S.
Goodwill [Roll Forward]
Goodwill	91,131	91,131
Foreign currency translation	0	0
Goodwill impairment charge	0
Goodwill	91,131	91,131	91,131
U.K.
Goodwill [Roll Forward]
Goodwill	23,960	21,882
Foreign currency translation	(1,464)	2,078
Goodwill impairment charge	(22,496)
Goodwill	0	23,960	21,882
Canada
Goodwill [Roll Forward]
Goodwill	30,516	28,541
Foreign currency translation	(2,366)	1,975
Goodwill impairment charge	0
Goodwill	$ 28,150	$ 30,516	$ 28,541

GOODWILL AND INTANGIBLES - Iden

GOODWILL AND INTANGIBLES - Identifiable intangible assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Schedule of Intangible Assets [Line Items]
Gross Carrying Amount, Finite-Lived	$ 63,700	$ 73,925
Accumulated Amortization	$ (33,916)	(41,156)
Trade name
Schedule of Intangible Assets [Line Items]
Weighted-Average Remaining Life (Years)	7 years 2 months 12 days
Gross Carrying Amount, Finite-Lived and Indefinite-Lived	$ 21,370	26,872
Accumulated Amortization	$ (6)	(20)
Customer relationships
Schedule of Intangible Assets [Line Items]
Weighted-Average Remaining Life (Years)	3 months 18 days
Gross Carrying Amount, Finite-Lived	$ 18,299	27,823
Accumulated Amortization	$ (17,643)	(26,137)
Computer software
Schedule of Intangible Assets [Line Items]
Weighted-Average Remaining Life (Years)	10 years
Gross Carrying Amount, Finite-Lived	$ 24,031	19,230
Accumulated Amortization	$ (16,267)	$ (14,999)

GOODWILL AND INTANGIBLES - Narr

GOODWILL AND INTANGIBLES - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Goodwill [Line Items]
Goodwill impairment charges		$ 22,496	$ 0	$ 0
Finite-Lived Intangible Assets [Line Items]
Amortization of intangible assets		2,800	$ 2,400	$ 3,500
U.K.
Goodwill [Line Items]
Costs to address complaints		11,500
Goodwill impairment charges		$ 22,500
Impairment of intangible assets	$ 3,800
Minimum
Finite-Lived Intangible Assets [Line Items]
Estimated useful life, finite-lived intangible assets		3 years
Minimum | Customer relationships and computer software
Finite-Lived Intangible Assets [Line Items]
Estimated useful life, finite-lived intangible assets		1 year
Maximum
Finite-Lived Intangible Assets [Line Items]
Estimated useful life, finite-lived intangible assets		10 years
Maximum | Customer relationships and computer software
Finite-Lived Intangible Assets [Line Items]
Estimated useful life, finite-lived intangible assets		10 years
Wage Day and Cash Money trade name
Indefinite-lived Intangible Assets [Line Items]
Carrying value of indefinite-lived intangible asset	$ 21,300	$ 21,300

GOODWILL AND INTANGIBLES - Esti

GOODWILL AND INTANGIBLES - Estimated future amortization expense (Details) $ in Thousands	Dec. 31, 2018USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2019	$ 2,373
2020	1,041
2021	483
2022	253
2023	$ 253

VARIABLE INTEREST ENTITIES - Ca

VARIABLE INTEREST ENTITIES - Carrying Amounts of Consolidated VIE Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Assets:
Total Assets	$ 919,617	$ 859,731
Liabilities
Total Liabilities	938,718	852,595
Variable Interest Entity
Assets:
Restricted cash	12,840	6,871
Loans receivable less allowance for loan losses	136,187	167,706
Total Assets	149,027	174,577
Liabilities
Accounts payable and accrued liabilities	4,980	12
Deferred revenue	40	0
Accrued interest	831	1,266
Long-term debt	107,479	120,402
Total Liabilities	$ 113,330	$ 121,680

LOANS RECEIVABLE AND REVENUE -

LOANS RECEIVABLE AND REVENUE - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Delinquent loans receivable	$ 74,439	$ 60,980
Allowance for loan losses	$ 79,384	69,568	$ 39,192
Consumer Portfolio Segment | Installment Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Late fees, percent of revenue (less than) (as percent)	1.00%
Delinquent loans receivable		61,000
Allowance for loan losses		69,600
Consumer Portfolio Segment | Installment Loans | Financing Receivables, 1 to 90 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses		$ 38,700

LOANS RECEIVABLE AND REVENUE _2

LOANS RECEIVABLE AND REVENUE - Revenue by Product (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Revenue from External Customer [Line Items]
Revenue	$ 300,566	$ 283,004	$ 248,983	$ 261,758	$ 266,990	$ 255,119	$ 216,944	$ 224,580	$ 1,094,311	$ 963,633	$ 828,596
Consumer Portfolio Segment | Unsecured Installment
Revenue from External Customer [Line Items]
Revenue									561,721	480,243	330,713
Consumer Portfolio Segment | Secured Installment
Revenue from External Customer [Line Items]
Revenue									110,677	100,981	81,453
Consumer Portfolio Segment | Open-End
Revenue from External Customer [Line Items]
Revenue									141,963	73,496	66,948
Consumer Portfolio Segment | Single-Pay
Revenue from External Customer [Line Items]
Revenue									229,791	268,794	313,276
Ancillary
Revenue from External Customer [Line Items]
Revenue									$ 50,159	$ 40,119	$ 36,206

LOANS RECEIVABLE AND REVENUE _3

LOANS RECEIVABLE AND REVENUE - Loans Receivable by Product and Delinquency (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans receivable	$ 522,348	$ 371,857
Delinquent loans receivable	74,439	60,980
Total loans receivable	596,787	432,837
Less: allowance for losses	(79,384)	(69,568)	$ (39,192)
Loans receivable, net	517,403	363,269
Consumer Portfolio Segment | Single-Pay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans receivable	82,375	99,400
Delinquent loans receivable	0	0
Total loans receivable	82,375	99,400
Less: allowance for losses	(4,419)	(5,915)	(5,501)
Loans receivable, net	77,956	93,485
Consumer Portfolio Segment | Unsecured Installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans receivable	157,057	151,343
Delinquent loans receivable	57,050	44,963
Total loans receivable	214,107	196,306
Less: allowance for losses	(42,873)	(43,755)	(17,775)
Loans receivable, net	171,234	152,551
Consumer Portfolio Segment | Secured Installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans receivable	75,583	73,165
Delinquent loans receivable	17,389	16,017
Total loans receivable	92,972	89,182
Less: allowance for losses	(12,191)	(13,472)	(10,737)
Loans receivable, net	80,781	75,710
Consumer Portfolio Segment | Open-End
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans receivable	207,333	47,949
Delinquent loans receivable	0	0
Total loans receivable	207,333	47,949
Less: allowance for losses	(19,901)	(6,426)	$ (5,179)
Loans receivable, net	$ 187,432	$ 41,523

LOANS RECEIVABLE AND REVENUE _4

LOANS RECEIVABLE AND REVENUE - Delinquent Loans - Aging Analysis (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	$ 74,439	$ 60,980
0-30 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	28,649	26,474
31-60 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	21,845	16,464
61-90 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	23,945	18,042
Consumer Portfolio Segment | Unsecured Installment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	57,050	44,963
Consumer Portfolio Segment | Unsecured Installment | 0-30 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	20,779	18,358
Consumer Portfolio Segment | Unsecured Installment | 31-60 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	17,120	12,836
Consumer Portfolio Segment | Unsecured Installment | 61-90 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	19,151	13,769
Consumer Portfolio Segment | Secured Installment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	17,389	16,017
Consumer Portfolio Segment | Secured Installment | 0-30 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	7,870	8,116
Consumer Portfolio Segment | Secured Installment | 31-60 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	4,725	3,628
Consumer Portfolio Segment | Secured Installment | 61-90 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	$ 4,794	$ 4,273

LOANS RECEIVABLE AND REVENUE _5

LOANS RECEIVABLE AND REVENUE - Loans Receivable by Product, Credit Services Organization (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Loans and Leases Receivable Disclosure [Line Items]
Current loans receivable guaranteed by the Company	$ 68,247	$ 65,774
Delinquent loans receivable guaranteed by the Company	12,154	13,017
Total loans receivable guaranteed by the Company	80,401	78,791
Less: Liability for losses on CSO lender-owned consumer loans	(12,007)	(17,795)	$ (17,052)
Loans receivable guaranteed by the Company, net	68,394	60,996
Consumer Portfolio Segment | Unsecured Installment
Loans and Leases Receivable Disclosure [Line Items]
Current loans receivable guaranteed by the Company	65,743	62,676
Delinquent loans receivable guaranteed by the Company	11,708	12,480
Total loans receivable guaranteed by the Company	77,451	75,156
Less: Liability for losses on CSO lender-owned consumer loans	(11,582)	(17,073)	(15,630)
Loans receivable guaranteed by the Company, net	65,869	58,083
Consumer Portfolio Segment | Secured Installment
Loans and Leases Receivable Disclosure [Line Items]
Current loans receivable guaranteed by the Company	2,504	3,098
Delinquent loans receivable guaranteed by the Company	446	537
Total loans receivable guaranteed by the Company	2,950	3,635
Less: Liability for losses on CSO lender-owned consumer loans	(425)	(722)	$ (1,148)
Loans receivable guaranteed by the Company, net	$ 2,525	$ 2,913

LOANS RECEIVABLE AND REVENUE _6

LOANS RECEIVABLE AND REVENUE - Delinquent Loans, Credit Services Organization - Aging Analysis (Details) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	$ 12,154	$ 13,017
0-30 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	10,053	10,936
31-60 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	1,303	1,405
61-90 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	798	676
Consumer Portfolio Segment | Unsecured Installment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	11,708	12,480
Consumer Portfolio Segment | Unsecured Installment | 0-30 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	9,684	10,477
Consumer Portfolio Segment | Unsecured Installment | 31-60 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	1,255	1,364
Consumer Portfolio Segment | Unsecured Installment | 61-90 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	769	639
Consumer Portfolio Segment | Secured Installment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	446	537
Consumer Portfolio Segment | Secured Installment | 0-30 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	369	459
Consumer Portfolio Segment | Secured Installment | 31-60 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	48	41
Consumer Portfolio Segment | Secured Installment | 61-90 days past-due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	$ 29	$ 37

LOANS RECEIVABLE AND REVENUE _7

LOANS RECEIVABLE AND REVENUE - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 69,568	$ 39,192
Charge-offs	(504,734)	(354,328)
Recoveries	201,440	176,737
Net charge-offs	(303,294)	(177,591)
Provision for losses	314,959	207,341
Effect of foreign currency translation	(1,849)	626
Balance, end of period	$ 79,384	$ 69,568
Credit Concentration Risk
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Concentration risk, percentage	13.30%	16.10%
Consumer Portfolio Segment | Single-Pay
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 5,915	$ 5,501
Charge-offs	(175,479)	(190,623)
Recoveries	122,138	127,184
Net charge-offs	(53,341)	(63,439)
Provision for losses	52,263	63,760
Effect of foreign currency translation	(418)	93
Balance, end of period	$ 4,419	$ 5,915
Consumer Portfolio Segment | Single-Pay | Allowance for Losses on Finance Receivables | Credit Concentration Risk
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Concentration risk, percentage	5.40%	6.00%
Consumer Portfolio Segment | Unsecured Installment
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 43,755	$ 17,775
Charge-offs	(163,203)	(88,694)
Recoveries	24,201	18,002
Net charge-offs	(139,002)	(70,692)
Provision for losses	138,420	96,150
Effect of foreign currency translation	(300)	522
Balance, end of period	$ 42,873	$ 43,755
Consumer Portfolio Segment | Unsecured Installment | Allowance for Losses on Finance Receivables | Credit Concentration Risk
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Concentration risk, percentage	20.00%	22.30%
Consumer Portfolio Segment | Secured Installment
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 13,472	$ 10,737
Charge-offs	(46,996)	(30,005)
Recoveries	10,041	9,517
Net charge-offs	(36,955)	(20,488)
Provision for losses	35,674	23,223
Effect of foreign currency translation	0	0
Balance, end of period	$ 12,191	$ 13,472
Consumer Portfolio Segment | Secured Installment | Credit Concentration Risk
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Concentration risk, percentage	13.10%	15.10%
Consumer Portfolio Segment | Open-End
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 6,426	$ 5,179
Charge-offs	(113,150)	(39,752)
Recoveries	41,457	18,743
Net charge-offs	(71,693)	(21,009)
Provision for losses	86,299	22,245
Effect of foreign currency translation	(1,131)	11
Balance, end of period	$ 19,901	$ 6,426
Consumer Portfolio Segment | Open-End | Credit Concentration Risk
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Concentration risk, percentage	9.60%	13.40%
Consumer Portfolio Segment | Other
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 0	$ 0
Charge-offs	(5,906)	(5,254)
Recoveries	3,603	3,291
Net charge-offs	(2,303)	(1,963)
Provision for losses	2,303	1,963
Effect of foreign currency translation	0	0
Balance, end of period	$ 0	$ 0

LOANS RECEIVABLE AND REVENUE _8

LOANS RECEIVABLE AND REVENUE - Liability for Losses on CSO Lender-Owned Consumer Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Guarantor Obligations [Roll Forward]
Balance, beginning of period	$ 17,795	$ 17,052
Charge-offs	(169,735)	(154,101)
Recoveries	35,674	35,959
Net charge-offs	(134,061)	(118,142)
Provision for losses	128,273	118,885
Balance, end of period	12,007	17,795
Consumer Portfolio Segment | Single-Pay
Guarantor Obligations [Roll Forward]
Balance, beginning of period	0	274
Charge-offs		(2,121)
Recoveries		1,335
Net charge-offs		(786)
Provision for losses		512
Balance, end of period		0
Consumer Portfolio Segment | Unsecured Installment
Guarantor Obligations [Roll Forward]
Balance, beginning of period	17,073	15,630
Charge-offs	(165,266)	(141,429)
Recoveries	32,341	30,230
Net charge-offs	(132,925)	(111,199)
Provision for losses	127,434	112,642
Balance, end of period	11,582	17,073
Consumer Portfolio Segment | Secured Installment
Guarantor Obligations [Roll Forward]
Balance, beginning of period	722	1,148
Charge-offs	(4,469)	(10,551)
Recoveries	3,333	4,394
Net charge-offs	(1,136)	(6,157)
Provision for losses	839	5,731
Balance, end of period	$ 425	$ 722

LOANS RECEIVABLE AND REVENUE _9

LOANS RECEIVABLE AND REVENUE - Allowance For Doubtful Accounts, CSO Guarantee Liability (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period				$ 87,363				$ 56,244	$ 87,363	$ 56,244
Charge-offs									(674,469)	(508,429)
Recoveries									237,114	212,696
Net charge-offs									(437,355)	(295,733)
Provision for losses	$ 135,692	$ 134,523	$ 91,986	81,031	$ 99,703	$ 99,341	$ 65,446	61,736	443,232	326,226	$ 258,289
Effect of foreign currency translation									(1,849)	626
Balance, end of period	91,391				87,363				91,391	87,363	56,244
Consumer Portfolio Segment | Single-Pay
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period				5,915				5,775	5,915	5,775
Charge-offs									(175,479)	(192,744)
Recoveries									122,138	128,519
Net charge-offs									(53,341)	(64,225)
Provision for losses									52,263	64,272
Effect of foreign currency translation									(418)	93
Balance, end of period	4,419				5,915				4,419	5,915	5,775
Consumer Portfolio Segment | Unsecured Installment
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period				60,828				33,405	60,828	33,405
Charge-offs									(328,469)	(230,123)
Recoveries									56,542	48,232
Net charge-offs									(271,927)	(181,891)
Provision for losses									265,854	208,792
Effect of foreign currency translation									(300)	522
Balance, end of period	54,455				60,828				54,455	60,828	33,405
Consumer Portfolio Segment | Secured Installment
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period				14,194				11,885	14,194	11,885
Charge-offs									(51,465)	(40,556)
Recoveries									13,374	13,911
Net charge-offs									(38,091)	(26,645)
Provision for losses									36,513	28,954
Effect of foreign currency translation									0	0
Balance, end of period	12,616				14,194				12,616	14,194	11,885
Consumer Portfolio Segment | Open-End
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period				6,426				5,179	6,426	5,179
Charge-offs									(113,150)	(39,752)
Recoveries									41,457	18,743
Net charge-offs									(71,693)	(21,009)
Provision for losses									86,299	22,245
Effect of foreign currency translation									(1,131)	11
Balance, end of period	19,901				6,426				19,901	6,426	5,179
Consumer Portfolio Segment | Other
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period				$ 0				$ 0	0	0
Charge-offs									(5,906)	(5,254)
Recoveries									3,603	3,291
Net charge-offs									(2,303)	(1,963)
Provision for losses									2,303	1,963
Effect of foreign currency translation									0	0
Balance, end of period	$ 0				$ 0				$ 0	$ 0	$ 0

CREDIT SERVICES ORGANIZATION (D

CREDIT SERVICES ORGANIZATION (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Loans and Leases Receivable Disclosure [Line Items]
Liability for losses on CSO lender-owned consumer loans	$ 12,007	$ 17,795	$ 17,052
Credit Services Organization Programs
Loans and Leases Receivable Disclosure [Line Items]
Credit services organization, fees receivable	14,300	14,500
Liability for losses on CSO lender-owned consumer loans	12,007	17,795
Amounts placed in collateral accounts	$ 17,200	17,900
Credit Services Organization Programs | Minimum
Loans and Leases Receivable Disclosure [Line Items]
CSO program loan terms	6 months
Credit Services Organization Programs | Maximum
Loans and Leases Receivable Disclosure [Line Items]
CSO program loan terms	18 months
Credit Services Organization Programs | Financial Guarantee
Loans and Leases Receivable Disclosure [Line Items]
Guarantor obligations, maximum exposure, undiscounted	$ 66,900	$ 65,200

ACCOUNTS PAYABLE AND ACCRUED _3

ACCOUNTS PAYABLE AND ACCRUED LIABILITIES (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Payables and Accruals [Abstract]
Trade accounts payable	$ 26,379	$ 22,483
Money orders payable	7,822	8,131
Accrued taxes, other than income taxes	1,038	678
Accrued payroll and fringe benefits	14,581	18,890
Reserve for store closure costs	2,063	4,419
Other accrued liabilities	5,399	1,191
Total	$ 57,282	$ 55,792

RESTRUCTURING COSTS - Restructu

RESTRUCTURING COSTS - Restructuring Costs (Details) $ in Thousands	Jan. 17, 2019position	Mar. 08, 2019USD ($)	Sep. 30, 2017USD ($)store	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)store	Dec. 31, 2016USD ($)store
Restructuring Cost and Reserve [Line Items]
Restructuring costs			$ 7,400	$ 0	$ 7,393	$ 3,618
Subsequent event
Restructuring Cost and Reserve [Line Items]
Restructuring costs		$ 1,600
Number of positions eliminated (as percent)	2.80%
Lease obligations and related costs
Restructuring Cost and Reserve [Line Items]
Restructuring costs			5,900	0	5,883	1,620
Write-down and loss on disposal of fixed assets
Restructuring Cost and Reserve [Line Items]
Restructuring costs			$ 1,500	0	1,510	772
Severance costs
Restructuring Cost and Reserve [Line Items]
Restructuring costs				$ 0	$ 0	$ 1,226
United Kingdom | Facility closing
Restructuring Cost and Reserve [Line Items]
Number of stores | store			13		13
Texas | Facility closing
Restructuring Cost and Reserve [Line Items]
Number of stores | store						6
Missouri | Facility closing
Restructuring Cost and Reserve [Line Items]
Number of stores | store						1
North America | Subsequent event
Restructuring Cost and Reserve [Line Items]
Number of positions eliminated | position	121

RESTRUCTURING COSTS - Restruc_2

RESTRUCTURING COSTS - Restructuring Reserve (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Restructuring Reserve [Roll Forward]
Balance, beginning of period		$ 4,419	$ 1,258
Additions and adjustments	$ 7,400	0	7,393	$ 3,618
Payments and write-downs		(2,356)	(4,232)
Balance, end of period		$ 2,063	$ 4,419	$ 1,258

LONG-TERM DEBT - Schedule of Lo

LONG-TERM DEBT - Schedule of Long Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Nov. 02, 2018	Sep. 30, 2018	Aug. 31, 2018	Aug. 13, 2018	Dec. 31, 2017	Nov. 30, 2017	Feb. 28, 2017
Debt Instrument [Line Items]
Long-term debt (excluding current maturities)	$ 804,140					$ 706,225
8.25% Senior Secured Notes (due 2025)
Debt Instrument [Line Items]
Stated interest rate (as percent)	8.25%
12.00% Senior Secured Notes (due 2022)
Debt Instrument [Line Items]
Stated interest rate (as percent)								12.00%
Senior Notes | 8.25% Senior Secured Notes (due 2025)
Debt Instrument [Line Items]
Long-term debt (excluding current maturities)	$ 676,661					0
Stated interest rate (as percent)	8.25%			8.25%	8.25%
Senior Notes | 12.00% Senior Secured Notes (due 2022)
Debt Instrument [Line Items]
Long-term debt (excluding current maturities)	$ 0					$ 585,823
Stated interest rate (as percent)	12.00%	12.00%	12.00%			12.00%	12.00%
Line of Credit and Secured Debt | Revolving Credit Facility | Non-Recourse U.S. SPV Facility
Debt Instrument [Line Items]
Long-term debt (excluding current maturities)	$ 0					$ 120,402
Line of Credit | Revolving Credit Facility | Non-Recourse Canada SPV Facility
Debt Instrument [Line Items]
Long-term debt (excluding current maturities)	107,479					0
Line of Credit | Revolving Credit Facility | Senior Revolver
Debt Instrument [Line Items]
Long-term debt (excluding current maturities)	20,000					0
Line of Credit | Revolving Credit Facility | Cash Money Revolving Credit Facility
Debt Instrument [Line Items]
Long-term debt (excluding current maturities)	$ 0					$ 0

LONG-TERM DEBT - Senior Secured

LONG-TERM DEBT - Senior Secured Notes (Details) - USD ($)	Aug. 13, 2018	Mar. 07, 2018	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Nov. 02, 2018	Sep. 30, 2018	Aug. 31, 2018	Feb. 05, 2018	Nov. 30, 2017	Feb. 28, 2017
Line of Credit Facility [Line Items]
Loss (gain) on extinguishment of debt			$ 90,569,000	$ 12,458,000	$ (6,991,000)
8.25% Senior Notes Due 2025
Line of Credit Facility [Line Items]
Stated interest rate (as percent)			8.25%
12.00% Senior Secured Notes
Line of Credit Facility [Line Items]
Stated interest rate (as percent)											12.00%
Senior Notes | 8.25% Senior Notes Due 2025
Line of Credit Facility [Line Items]
Stated interest rate (as percent)	8.25%		8.25%					8.25%
Debt issuance costs capitalized			$ 13,300,000
Debt instrument, face amount	$ 690,000,000							$ 690,000,000
Debt instrument, term	5 years
Loss (gain) on extinguishment of debt			$ 69,200,000
Senior Notes | 12.00% Senior Secured Notes
Line of Credit Facility [Line Items]
Stated interest rate (as percent)			12.00%	12.00%		12.00%	12.00%			12.00%
Debt issuance costs capitalized				$ 18,300,000
Debt instrument, face amount				605,000,000		$ 135,000,000				$ 135,000,000	$ 470,000,000
Loss (gain) on extinguishment of debt				$ 12,500,000
Amount of redemption									$ 77,500,000
Redemption price, percentage of redemption amount (as percent)		112.00%
Long-term debt		$ 527,500,000

LONG-TERM DEBT - Non-Recourse U

LONG-TERM DEBT - Non-Recourse U.S. SPV Facility (Details) - USD ($)	Oct. 26, 2018	Oct. 31, 2018	Nov. 30, 2016	Sep. 30, 2018	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Debt Instrument [Line Items]
Loss on extinguishment of debt					$ 90,569,000	$ 12,458,000	$ (6,991,000)
Non-Recourse U.S. SPV Facility
Debt Instrument [Line Items]
Maximum effective interest rate (as percent)			12.00%
Commitment fee on unused portion (as percent)			0.50%
Non-Recourse U.S. SPV Facility | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis spread (as percent)			1.00%
Line of Credit and Secured Debt | Non-Recourse U.S. SPV Facility
Debt Instrument [Line Items]
Debt instrument, term			5 years
Senior Notes | Non-Recourse U.S. SPV Facility
Debt Instrument [Line Items]
Line of credit facility, maximum borrowing capacity			$ 80,000,000
Extinguishment of debt	$ 2,700,000	$ 80,000,000
Loss on extinguishment of debt	$ 9,700,000
Line of Credit | Non-Recourse U.S. SPV Facility | Revolving Credit Facility
Debt Instrument [Line Items]
Line of credit facility, maximum borrowing capacity			$ 70,000,000
Debt issuance costs capitalized					$ 5,300,000
Extinguishment of debt				$ 42,400,000

LONG-TERM DEBT - Non-Recourse C

LONG-TERM DEBT - Non-Recourse Canada SPV Facility (Details) $ in Thousands	Aug. 02, 2018CAD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Line of Credit Facility [Line Items]
Long-term debt (excluding current maturities)		$ 804,140	$ 706,225
Line of Credit | Non-Recourse Canada SPV Facility | Revolving Credit Facility
Line of Credit Facility [Line Items]
Debt instrument, term	4 years
Line of credit facility, initial borrowing capacity	$ 175,000,000
Credit facility, expansion capacity	$ 250,000,000
Commitment fee on unused portion (as percent)	0.50%
Long-term debt (excluding current maturities)		$ 107,479	$ 0
Line of Credit | Non-Recourse Canada SPV Facility | Revolving Credit Facility | CDOR
Line of Credit Facility [Line Items]
Basis spread (as percent)	6.75%

LONG-TERM DEBT - Senior Revolve

LONG-TERM DEBT - Senior Revolver (Details) - Line of Credit - Senior Revolver	1 Months Ended		12 Months Ended
	Feb. 28, 2018USD ($)	Nov. 30, 2016	Dec. 31, 2018USD ($)lender	Nov. 30, 2018USD ($)	Sep. 01, 2017USD ($)
Minimum
Debt Instrument [Line Items]
Interest rate (as percent)		5.00%
London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis spread (as percent)		5.00%
Revolving Credit Facility
Debt Instrument [Line Items]
Line of credit facility, maximum borrowing capacity	$ 29,000,000			$ 50,000,000	$ 25,000,000
Number of banks participating in syndicated credit facility | lender			4
Outstanding balance requirement for calendar year			$ 0
Number of days to maintain outstanding balance requirement			30 days
Line of credit outstanding			$ 20,000,000
Debt issuance costs capitalized			$ 100,000
Letter of Credit
Debt Instrument [Line Items]
Line of credit facility, maximum borrowing capacity	$ 5,000,000
Debt instrument, term	1 year

LONG-TERM DEBT - ABL Facility (

LONG-TERM DEBT - ABL Facility (Details) - Line of Credit - ABL Facility	Nov. 17, 2016USD ($)
Short-term Debt [Line Items]
Debt instrument, term	6 months
Line of credit facility, maximum borrowing capacity	$ 25,000,000
Advance of principal balance of eligible installment loans	80.00%
Maximum threshold for loan-to-value rate for conventional priority-of-payment waterfall	80.00%
Interest rate (as percent)	1.00%
Commitment fee on unused portion (as percent)	0.50%
Monitoring fee (as percent)	4.00%
Prepayment fee (as percent)	3.00%
London Interbank Offered Rate (LIBOR) | Maximum
Short-term Debt [Line Items]
Basis spread (as percent)	8.00%

LONG-TERM DEBT - Cash Money Rev

LONG-TERM DEBT - Cash Money Revolving Credit Facility (Details) - Line of Credit - Cash Money Revolving Credit Facility - CAD ($)	12 Months Ended
	Dec. 31, 2018	Jul. 31, 2018	Jun. 30, 2018
Revolving Credit Facility
Debt Instrument [Line Items]
Line of credit facility, maximum borrowing capacity		$ 10,000,000	$ 7,300,000
Revolving Credit Facility | Prime Rate
Debt Instrument [Line Items]
Basis spread (as percent)	1.95%
Standby Letters of Credit
Debt Instrument [Line Items]
Reduction in borrowing capacity	$ 300,000

LONG-TERM DEBT - Subordinated S

LONG-TERM DEBT - Subordinated Stockholder Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Debt Instrument [Line Items]
Subordinated stockholder debt	$ 2,196	$ 2,381
Subordinated Debt | Subordinated Stockholder Debt
Debt Instrument [Line Items]
Stated interest rate (as percent)	10.00%
Subordinated stockholder debt	$ 2,200	$ 2,400

LONG-TERM DEBT - 10.75% Senior

LONG-TERM DEBT - 10.75% Senior Secured Notes (Details) - USD ($)	1 Months Ended	12 Months Ended
	Sep. 30, 2016	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Sep. 30, 2018	Feb. 28, 2013
Debt Instrument [Line Items]
Accrued interest		$ 20,899,000	$ 25,467,000
Gain on extinguishment of debt		$ (90,569,000)	$ (12,458,000)	$ 6,991,000
10.75% Senior Secured Notes
Debt Instrument [Line Items]
Stated interest rate (as percent)					10.75%
Senior Notes | 10.75% Senior Secured Notes
Debt Instrument [Line Items]
Debt instrument, face amount						$ 440,000,000
Stated interest rate (as percent)		10.75%				10.75%
Redemption price, percentage (as percent)	71.25%
Extinguishment of debt	$ 25,100,000
Debt issuance costs capitalized						$ 16,000,000
Accrued interest	1,000,000
Gain on extinguishment of debt	$ 7,000,000

LONG-TERM DEBT - 12.00% Senior

LONG-TERM DEBT - 12.00% Senior Cash Pay Notes (Details) - 12.00% Senior Cash Pay Notes - USD ($)	Dec. 31, 2018	Sep. 30, 2018	Feb. 28, 2013
Debt Instrument [Line Items]
Stated interest rate (as percent)		12.00%
Senior Notes
Debt Instrument [Line Items]
Debt instrument, face amount			$ 125,000,000
Stated interest rate (as percent)	12.00%		12.00%
Debt issuance costs capitalized			$ 3,400,000

LONG-TERM DEBT - Ranking and Gu

LONG-TERM DEBT - Ranking and Guarantees (Details) - Senior Notes - 8.25% Senior Notes Due 2025	12 Months Ended
	Dec. 31, 2018
Prior to September 1, 2021
Debt Instrument [Line Items]
Redemption price as percent of principal redeemed (as percent)	40.00%
Redemption price, percentage (as percent)	108.20%
12 months beginning September 1, 2021
Debt Instrument [Line Items]
Redemption price, percentage (as percent)	104.10%
12 months beginning September 1, 2022
Debt Instrument [Line Items]
Redemption price, percentage (as percent)	102.10%
12 months beginning September 1, 2023 and thereafter
Debt Instrument [Line Items]
Redemption price, percentage (as percent)	100.00%

LONG-TERM DEBT - Future Maturit

LONG-TERM DEBT - Future Maturities of Long-Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Debt Disclosure [Abstract]
2019	$ 20,000
2020	0
2021	0
2022	111,335
2023	0
Thereafter	690,000
Long-term debt (before deferred financing costs and discounts)	821,335
Less: deferred financing costs and discounts	17,195
Long-term debt, net	$ 804,140	$ 706,225

SHARE-BASED COMPENSATION (Detai

SHARE-BASED COMPENSATION (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Nov. 08, 2017	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option grants in period (in shares)	0	99,396	461,808
Share-based compensation expense	$ 8,210	$ 965	$ 1,148
Unrecognized compensation costs	$ 14,500
Compensation cost not yet recognized, period for recognition	2 years
2010 Equity Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)					2,160,000
2017 Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)				5,000,000
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights (as percent)	20.00%
Vesting period	5 years
Term of award	10 years
Expected volatility (as percent)		45.30%	44.70%
Expected term		6 years 1 month 6 days	6 years
Risk-free interest rate (as percent)		2.20%	1.90%
Expected dividend yield (as percent)			0.00%
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	3 years

SHARE-BASED COMPENSATION - Stoc

SHARE-BASED COMPENSATION - Stock Option Activity (Details) - USD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Stock Options
Beginning balance (in shares)	1,977,480	1,879,308	1,919,628
Granted (in shares)	0	99,396	461,808
Exercised (in shares)	(500,924)	0	0
Forfeited (in shares)	(31,224)	(1,224)	(502,128)
Ending balance (in shares)	1,445,332	1,977,480	1,879,308
Weighted Average Exercise Price
Beginning balance (in usd per share)	$ 3.04	$ 2.73	$ 2.34
Granted (in usd per share)	0	8.86	3.66
Exercised (in usd per share)	1.46	0	0
Forfeited (in usd per share)	4.03	3.39	2.08
Ending balance (in usd per share)	$ 3.56	3.04	2.73
Options exercisable (in shares)	1,150,972
Options exercisable, weighted average exercise price (in usd per share)	$ 1.90
Options granted, weighted average grant date fair value (in usd per share)	0	$ 4.11	$ 1.67
Options forfeited, weighted average grant date fair value (in usd per share)	$ 1.84
Options outstanding, weighted average remaining contractual term	3 years 8 months 1 day	5 years 2 months 12 days	4 years 7 months 6 days
Options exercisable, weighted average remaining contractual term	2 years 8 months 9 days
Options outstanding, intrinsic value	$ 8.6	$ 21.8	$ 2.1
Options exercised, intrinsic value	4
Options exercisable, intrinsic value	$ 7.2

SHARE-BASED COMPENSATION - Summ

SHARE-BASED COMPENSATION - Summary of Restricted Stock Units (Details) - Restricted Stock - $ / shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2016
Restricted Stock Units
Outstanding, beginning of period (in shares)	1,516,241
Granted (in shares)	73,663	1,516,241
Vested (in shares)	(508,126)	0
Forfeited (in shares)	(21,428)	0
Outstanding, end of period (in shares)	1,060,350	0
Weighted Average Grant Date Fair Value
Weighted average grant date fair value, beginning of period (in usd per share)	$ 14
Weighted average grant date fair value, granted (in usd per share)	18.20	$ 14
Weighted average grant date fair value, vested (in usd per share)	14	0
Weighted average grant date fair value, forfeited (in usd per share)	14	0
Weighted average grant date fair value, end of period (in usd per share)	$ 14.29	$ 0

SHARE-BASED COMPENSATION - Shar

SHARE-BASED COMPENSATION - Share-based Compensation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Pre-tax share-based compensation expense	$ 8,210	$ 965	$ 1,148
Income tax benefit	(2,217)	(386)	(459)
Total share-based compensation expense, net of tax	$ 5,993	$ 579	$ 689

INCOME TAXES - Income Tax Expen

INCOME TAXES - Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Income (loss) before taxes:
U.S. tax jurisdictions	$ 19,300	$ 70,323	$ 75,555
Non-U.S. tax jurisdictions	(39,864)	21,406	32,466
Net (loss) income before income taxes	(20,564)	91,729	108,021
Current tax provision (benefit)
Federal	(7,587)	20,829	24,508
State	(1,497)	2,445	5,495
Foreign	7,748	10,542	13,254
Total current provision (benefit)	(1,336)	33,816	43,257
Deferred tax provision (benefit)
Federal	7,471	6,283	186
State	631	2,647	(134)
Foreign	(5,277)	(170)	(732)
Total deferred tax provision (benefit)	2,825	8,760	(680)
Total provision for income taxes	$ 1,489	$ 42,576	$ 42,577

INCOME TAXES - Narrative (Detai

INCOME TAXES - Narrative (Details) - USD ($)	12 Months Ended			24 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2018	Dec. 31, 2015
Income Tax Contingency [Line Items]
Transition tax expense (benefit) related to the deemed repatriation of unremitted earnings of foreign subsidiaries	$ (1,600,000)	$ 8,100,000		$ 6,500,000
Tax benefit related to remeasurement of net deferred tax liabilities	4,200,000
Undistributed foreign earnings	170,400,000			170,400,000
Unrecognized tax benefits	0	0		0
Foreign net operating loss and capital loss carryforwards	2,600,000			2,600,000
Deferred tax assets, valuation allowance	22,176,000	17,573,000	$ 14,072,000	22,176,000	$ 13,097,000
Penalties and interest recorded	0	$ 0	$ 0
Foreign
Income Tax Contingency [Line Items]
Operating loss carryforwards	18,900,000			18,900,000
Operating loss carryforwards, valuation allowance	18,900,000			18,900,000
Deferred tax assets, valuation allowance	2,600,000			2,600,000
State
Income Tax Contingency [Line Items]
Operating loss carryforwards	700,000			700,000
Operating loss carryforwards, valuation allowance	700,000			700,000
Tax credit carryforward	300,000			$ 300,000
Canada Revenue Agency | Pro forma
Income Tax Contingency [Line Items]
Expected tax if earnings were distributed to the U.S.	$ 8,500,000

INCOME TAXES - Deferred Income

INCOME TAXES - Deferred Income Tax Assets (Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Deferred tax assets related to:
Loans receivable	$ 0	$ 1,027
Accrued expenses and other reserves	3,267	3,668
Compensation accruals	4,974	3,921
Deferred revenue	78	86
State and provincial net operating loss carryforwards	1,611	822
Foreign net operating loss and capital loss carryforwards	18,008	15,850
Gross deferred tax assets	27,938	25,374
Less: Valuation allowance	(22,176)	(17,573)	$ (14,072)	$ (13,097)
Net deferred tax assets	5,762	7,801
Deferred tax liabilities related to:
Property and equipment	(3,126)	(2,776)
Goodwill and other intangible assets	(14,508)	(15,395)
Prepaid expenses and other assets	(197)	(344)
Loans receivable	(127)	0
Gross deferred tax liabilities	(17,958)	(18,515)
Net deferred tax liabilities	$ (12,196)	$ (10,714)

INCOME TAXES - Deferred Tax Ass

INCOME TAXES - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Net current deferred tax assets	$ 1,534	$ 772
Net long-term deferred tax liabilities	(13,730)	(11,486)
Net deferred tax liabilities	$ (12,196)	$ (10,714)

INCOME TAXES - Effective Tax Ra

INCOME TAXES - Effective Tax Rate (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Income Tax Disclosure [Abstract]
Income tax (benefit) expense using the statutory federal rate in effect	$ (4,319)	$ 32,105	$ 37,807
Tax effect of:
Effects of foreign rates different than U.S. statutory rate	759	(5,370)	(7,569)
State, local and provincial income taxes, net of federal benefit	334	7,164	9,045
Tax credits	(116)	(450)	(713)
Nondeductible expenses	77	536	521
Impact of goodwill impairment charges	4,338	0	0
Foreign exchange gain/loss on intercompany loan	(296)	899	0
Valuation allowance	5,186	2,393	3,129
Deferred remeasurement	0	886	205
Repatriation tax	(1,610)	8,100	0
Deferred remeasurement due to the 2017 Tax Act	0	(4,162)	0
Share-based compensation	(3,081)	0	0
Other	217	475	152
Total provision for income taxes	$ 1,489	$ 42,576	$ 42,577
Effective income tax rate (as percent)	(7.20%)	46.40%	39.40%
Statutory federal income tax rate (as percent)	21.00%	35.00%	35.00%

INCOME TAXES - Valuation Allowa

INCOME TAXES - Valuation Allowance (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Deferred Tax Assets, Valuation Allowance [Roll Forward]
Balance at the beginning of year	$ 17,573	$ 14,072	$ 13,097
Revaluation of valuation allowance due to change in statutory rates	0	0	(1,234)
Increase to balance charged as expense	5,186	2,393	3,129
(Decrease) increase to balance charged to Other Comprehensive Income	0	(101)	1,627
Effect of foreign currency translation	(583)	1,209	(2,547)
Balance at end of year	$ 22,176	$ 17,573	$ 14,072

FINANCIAL INSTRUMENTS AND CON_3

FINANCIAL INSTRUMENTS AND CONCENTRATIONS - Summary of Assets and Liabilities Not Measured at Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financial assets:
Restricted cash	$ 28,823	$ 12,117
Carrying Value
Financial assets:
Cash	71,034	162,374
Restricted cash	28,823	12,117
Loans receivable, net	596,787	363,269
Investment in Cognical	6,558	5,600
Financial liabilities:
Liability for losses on CSO lender-owned consumer loans	12,007	17,795
Carrying Value | 2018 Senior Secured Notes
Financial liabilities:
Debt	676,661
Carrying Value | 12.00% Senior Secured Notes
Financial liabilities:
Debt		585,823
Carrying Value | Non-Recourse U.S. SPV Facility
Financial liabilities:
Debt		120,402
Carrying Value | Non-Recourse Canada SPV Facility
Financial liabilities:
Debt	107,479
Carrying Value | Senior Revolver
Financial liabilities:
Debt	20,000
Estimated Fair Value
Financial assets:
Cash	71,034	162,374
Restricted cash	28,823	12,117
Loans receivable, net	517,403	363,269
Investment in Cognical	6,558	5,600
Financial liabilities:
Liability for losses on CSO lender-owned consumer loans	12,007	17,795
Estimated Fair Value | 2018 Senior Secured Notes
Financial liabilities:
Debt	531,179
Estimated Fair Value | 12.00% Senior Secured Notes
Financial liabilities:
Debt		663,475
Estimated Fair Value | Non-Recourse U.S. SPV Facility
Financial liabilities:
Debt		124,590
Estimated Fair Value | Non-Recourse Canada SPV Facility
Financial liabilities:
Debt	111,335
Estimated Fair Value | Senior Revolver
Financial liabilities:
Debt	20,000
Estimated Fair Value | Level 1
Financial assets:
Cash	71,034	162,374
Restricted cash	28,823	12,117
Loans receivable, net	0	0
Investment in Cognical	0	0
Financial liabilities:
Liability for losses on CSO lender-owned consumer loans	0	0
Estimated Fair Value | Level 1 | 2018 Senior Secured Notes
Financial liabilities:
Debt	0
Estimated Fair Value | Level 1 | 12.00% Senior Secured Notes
Financial liabilities:
Debt		0
Estimated Fair Value | Level 1 | Non-Recourse U.S. SPV Facility
Financial liabilities:
Debt		0
Estimated Fair Value | Level 1 | Non-Recourse Canada SPV Facility
Financial liabilities:
Debt	0
Estimated Fair Value | Level 1 | Senior Revolver
Financial liabilities:
Debt	0
Estimated Fair Value | Level 2
Financial assets:
Cash	0	0
Restricted cash	0	0
Loans receivable, net	0	0
Investment in Cognical	0	0
Financial liabilities:
Liability for losses on CSO lender-owned consumer loans	0	0
Estimated Fair Value | Level 2 | 2018 Senior Secured Notes
Financial liabilities:
Debt	0
Estimated Fair Value | Level 2 | 12.00% Senior Secured Notes
Financial liabilities:
Debt		0
Estimated Fair Value | Level 2 | Non-Recourse U.S. SPV Facility
Financial liabilities:
Debt		0
Estimated Fair Value | Level 2 | Non-Recourse Canada SPV Facility
Financial liabilities:
Debt	0
Estimated Fair Value | Level 2 | Senior Revolver
Financial liabilities:
Debt	0
Estimated Fair Value | Level 3
Financial assets:
Cash	0	0
Restricted cash	0	0
Loans receivable, net	517,403	363,269
Investment in Cognical	6,558	5,600
Financial liabilities:
Liability for losses on CSO lender-owned consumer loans	12,007	17,795
Estimated Fair Value | Level 3 | 2018 Senior Secured Notes
Financial liabilities:
Debt	531,179
Estimated Fair Value | Level 3 | 12.00% Senior Secured Notes
Financial liabilities:
Debt		663,475
Estimated Fair Value | Level 3 | Non-Recourse U.S. SPV Facility
Financial liabilities:
Debt		$ 124,590
Estimated Fair Value | Level 3 | Non-Recourse Canada SPV Facility
Financial liabilities:
Debt	111,335
Estimated Fair Value | Level 3 | Senior Revolver
Financial liabilities:
Debt	$ 20,000

FINANCIAL INSTRUMENTS AND CON_4

FINANCIAL INSTRUMENTS AND CONCENTRATIONS - Narrative (Details) £ in Millions	Feb. 08, 2019USD ($)shares	Oct. 31, 2018USD ($)	May 31, 2017USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)shares	Dec. 31, 2016USD ($)	Oct. 31, 2018GBP (£)	Feb. 28, 2018USD ($)shares	May 31, 2017GBP (£)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, expected term				60 months
Realized loss on cash flow hedge		$ 600,000	$ 600,000	$ 556,000	$ 333,000	$ 0
Cognical Holdings, Inc.
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cost method, ownership (as percent)				10.40%
Cognical Holdings, Inc. | Subsequent event
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cost method, ownership (as percent)	11.70%
Cognical Holdings, Inc.
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Business combination, preferred shares purchased (in shares) | shares					3,292,554			560,872
Purchase of cost method investment					$ 5,600,000			$ 1,000,000
Cognical Holdings, Inc. | Minimum
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Contract pricing				$ 300
Cognical Holdings, Inc. | Maximum
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Contract pricing				$ 3,500
Cognical Holdings, Inc. | Subsequent event
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Business combination, preferred shares purchased (in shares) | shares	679,535
Purchase of cost method investment	$ 1,400,000
Revenue | Geographic Concentration Risk | Texas
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Concentration risk (as percent)				24.90%	25.60%
Revenue | Geographic Concentration Risk | Ontario
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Concentration risk (as percent)				11.00%	12.90%
Revenue | Geographic Concentration Risk | California
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Concentration risk (as percent)				18.30%	17.70%
Foreign Exchange Forward | Cash Flow Hedging
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Forward hedge agreement | £							£ 10.4		£ 4.8

STOCKHOLDERS' EQUITY (Details)

STOCKHOLDERS' EQUITY (Details)	Mar. 07, 2018USD ($)	Jan. 05, 2018USD ($)	Dec. 11, 2017USD ($)$ / sharesshares	Nov. 30, 2017USD ($)	Nov. 02, 2017USD ($)	Oct. 16, 2017USD ($)	Aug. 31, 2017USD ($)	May 31, 2017USD ($)	Feb. 28, 2017USD ($)	Dec. 31, 2018USD ($)$ / sharesshares	Dec. 31, 2017USD ($)$ / sharesshares	Dec. 31, 2016USD ($)	Nov. 02, 2018USD ($)	Sep. 30, 2018	Dec. 07, 2017$ / shares
Subsidiary, Sale of Stock [Line Items]
Stock split conversion ratio				36
Common stock and preferred stock, authorized (in shares) | shares			250,000,000
Common stock, authorized (in shares) | shares			225,000,000							225,000,000	72,000,000
Common stock, par value (in usd per share) | $ / shares			$ 0.001							$ 0.001	$ 0.001
Preferred stock, shares authorized (in shares) | shares			25,000,000							25,000,000	25,000,000
Preferred stock par value (in usd per share) | $ / shares			$ 0.001							$ 0.001	$ 0.001
Proceeds from IPO			$ 81,100,000
Net proceeds from issuance of common stock	$ 77,500,000									$ 11,167,000	$ 81,117,000	$ 0
Proceeds from dividends received					$ 140,000,000				$ 130,100,000
Dividends paid to stockholders					$ 140,000,000	$ 5,500,000	$ 8,500,000	$ 28,000,000		$ 0	182,000,000	$ 0
12.00% Senior Secured Notes
Subsidiary, Sale of Stock [Line Items]
Stated interest rate (as percent)									12.00%
12.00% Senior Secured Notes | Senior Notes
Subsidiary, Sale of Stock [Line Items]
Debt instrument, face amount				$ 135,000,000					$ 470,000,000		$ 605,000,000		$ 135,000,000
Stated interest rate (as percent)				12.00%						12.00%	12.00%		12.00%	12.00%
IPO
Subsidiary, Sale of Stock [Line Items]
Number of shares issued via sale of stock (in shares) | shares			6,666,667
Sale price (in usd per share) | $ / shares															$ 14
Over-Allotment Option
Subsidiary, Sale of Stock [Line Items]
Net proceeds from issuance of common stock		$ 13,100,000

SUPPLEMENTAL CASH FLOW INFORM_3

SUPPLEMENTAL CASH FLOW INFORMATION (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Cash paid for:
Interest	$ 84,823	$ 60,054	$ 61,019
Income taxes	16,311	26,863	43,650
Non-cash investing activities:
Payment for repurchase of May 2011 Senior Secured Notes accrued in accounts payable	0	0	18,939
Property and equipment accrued in accounts payable	$ 1,718	$ 1,631	$ 3,338

SEGMENT REPORTING - Narrative (

SEGMENT REPORTING - Narrative (Details)	12 Months Ended
	Dec. 31, 2018positionsegment	Dec. 31, 2018store	Dec. 31, 2018state	Dec. 31, 2017store	Sep. 30, 2017store
Segment Reporting Information [Line Items]
Number of operating segments | segment	3
Number of reportable segments | segment	3
United States
Segment Reporting Information [Line Items]
Number of stores	213	213
United States | Online Products
Segment Reporting Information [Line Items]
Number of states in which entity operates			27
Canada | Retail Products
Segment Reporting Information [Line Items]
Number of stores | store		200
Number of states in which entity operates			7
Canada | Online Products
Segment Reporting Information [Line Items]
Number of states in which entity operates			5
United Kingdom | Facility closing
Segment Reporting Information [Line Items]
Number of stores | store				13	13

SEGMENT REPORTING - Summary of

SEGMENT REPORTING - Summary of Financial Information by Segment (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Segment Reporting Information [Line Items]
Consolidated revenue	$ 300,566	$ 283,004	$ 248,983	$ 261,758	$ 266,990	$ 255,119	$ 216,944	$ 224,580	$ 1,094,311	$ 963,633	$ 828,596
Consolidated gross margin	87,256	$ 63,984	$ 80,412	$ 109,245	92,164	$ 80,166	$ 82,002	$ 94,905	340,897	349,237	293,256
Consolidated operating profit									(20,564)	91,729	108,021
Consolidated expenditures for long-lived assets									14,265	9,757	16,026
Total gross loans receivable	596,787				432,837				596,787	432,837
U.S.
Segment Reporting Information [Line Items]
Consolidated revenue									853,141	737,729	606,798
Consolidated gross margin									284,828	267,215	204,328
Consolidated operating profit									1,117	51,459	56,778
Consolidated expenditures for long-lived assets									11,105	7,405	10,125
Total gross loans receivable	361,473				308,696				361,473	308,696
Canada
Segment Reporting Information [Line Items]
Consolidated revenue									191,932	186,408	188,078
Consolidated gross margin									40,642	67,950	78,639
Consolidated operating profit									17,001	50,797	60,482
Consolidated expenditures for long-lived assets									2,928	1,309	5,872
Total gross loans receivable	210,058				104,551				210,058	104,551
U.K.
Segment Reporting Information [Line Items]
Consolidated revenue									49,238	39,496	33,720
Consolidated gross margin									15,427	14,072	10,289
Consolidated operating profit									(38,682)	(10,527)	(9,239)
Consolidated expenditures for long-lived assets									232	1,043	$ 29
Total gross loans receivable	$ 25,256				$ 19,590				$ 25,256	$ 19,590

SEGMENT REPORTING - Summary o_2

SEGMENT REPORTING - Summary of Long-lived Assets by Geographical Region (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Revenues from External Customers and Long-Lived Assets [Line Items]
Total net long-lived assets	$ 76,750	$ 87,086
U.S.
Revenues from External Customers and Long-Lived Assets [Line Items]
Total net long-lived assets	47,918	52,627
Canada
Revenues from External Customers and Long-Lived Assets [Line Items]
Total net long-lived assets	28,832	32,924
U.K.
Revenues from External Customers and Long-Lived Assets [Line Items]
Impairment of long-lived assets	1,300
Total net long-lived assets	$ 0	$ 1,535

CONTINGENT LIABILITIES (Details

CONTINGENT LIABILITIES (Details) $ in Millions	Dec. 31, 2018USD ($)
U.K. | Customer Redress Claims
Loss Contingencies [Line Items]
Liability for known and pending claims	$ 3.2

OPERATING LEASES (Details)

OPERATING LEASES (Details) $ in Millions	12 Months Ended
	Dec. 31, 2018USD ($)options	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Leases [Abstract]
Lease term	5 years
Number of renewal options | options	2
Term of renewal options	5 years
Third Party
Operating Leased Assets [Line Items]
Rent expense	$ 22.9	$ 23.6	$ 23.1
Related Party
Operating Leased Assets [Line Items]
Rent expense	$ 3.5	$ 3.3	$ 3.3

OPERATING LEASES - Future Minim

OPERATING LEASES - Future Minimum Lease Payments (Details) $ in Thousands	Dec. 31, 2018USD ($)
Operating Leased Assets [Line Items]
2019	$ 27,541
2020	23,832
2021	20,625
2022	17,880
2023	10,974
Thereafter	14,176
Total	115,028
Third Party
Operating Leased Assets [Line Items]
2019	24,211
2020	20,547
2021	17,301
2022	14,558
2023	10,269
Thereafter	13,446
Total	100,332
Related Party
Operating Leased Assets [Line Items]
2019	3,330
2020	3,285
2021	3,324
2022	3,322
2023	705
Thereafter	730
Total	$ 14,696

RELATED PARTY TRANSACTIONS (Det

RELATED PARTY TRANSACTIONS (Details) - Affiliated Entity - Ad Astra - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Commissions
Related Party Transaction [Line Items]
Related party transaction, rate (as percent)	30.00%
Settlement period	1 month
Prepaid expenses and other	$ 1.1	$ 0.7	$ 0.6
Other costs of providing services	$ 13.8	$ 12.4	$ 12.1
Minimum
Related Party Transaction [Line Items]
Period of delinquency for referral to related party for collection	91 days
Maximum
Related Party Transaction [Line Items]
Period of delinquency for referral to related party for collection	121 days

BENEFIT PLANS (Details)

BENEFIT PLANS (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Deferred compensation plan, vesting period of employer contributions	3 years
Amount of deferred compensation plan liability	$ 3.6	$ 3.3	$ 1.4
Registered Retirement Savings Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Percent of employees compensation (as percent)	6.00%
Percent of employer's match (as percent)	50.00%
Contributions	$ 0.2
Vesting rights (as percent)	50.00%
401(k) Retirement Savings Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Percent of employees compensation (as percent)	6.00%
Percent of employer's match (as percent)	50.00%
Contributions	$ 1.4	1.3	1.1
Vesting rights (as percent)	33.33%
Maximum employee contribution (as percent)	90.00%
Other Postretirement Benefits Plan [Member] | Registered Retirement Savings Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Contributions		0.2	0.2
Pension Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Contributions	$ 0.3	$ 0.2	$ 0.2
Maximum employee contribution (as percent)	1.00%
2018 Employee Stock Purchase Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Number of shares authorized (in shares)	2,500,000
Maximum | Pension Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Percent of employees compensation (as percent)	3.00%

EARNINGS PER SHARE - Summary of

EARNINGS PER SHARE - Summary of Basic Earnings Per Share (Details) $ / shares in Units, shares in Thousands, $ in Thousands	Nov. 30, 2017	Dec. 31, 2018USD ($)$ / sharesshares	Sep. 30, 2018USD ($)$ / sharesshares	Jun. 30, 2018USD ($)$ / sharesshares	Mar. 31, 2018USD ($)$ / sharesshares	Dec. 31, 2017USD ($)$ / sharesshares	Sep. 30, 2017USD ($)$ / sharesshares	Jun. 30, 2017USD ($)$ / sharesshares	Mar. 31, 2017USD ($)$ / sharesshares	Dec. 31, 2018USD ($)$ / sharesshares	Dec. 31, 2017USD ($)$ / sharesshares	Dec. 31, 2016USD ($)$ / sharesshares
Earnings Per Share [Abstract]
Net (loss) income | $		$ (14,298)	$ (47,022)	$ 15,975	$ 23,292	$ 6,410	$ 9,763	$ 16,342	$ 16,638	$ (22,053)	$ 49,153	$ 65,444
Weighted average common shares - basic (in shares) | shares		46,158	45,853	45,650	45,506	39,706	37,908	37,895	37,895	45,815	38,351	37,908
Basic earnings per share (in dollars per share) | $ / shares		$ (0.31)	$ (1.03)	$ 0.35	$ 0.51	$ 0.16	$ 0.26	$ 0.43	$ 0.44	$ (0.48)	$ 1.28	$ 1.73
Stock split conversion ratio	36

EARNINGS PER SHARE - Summary _2

EARNINGS PER SHARE - Summary of Diluted Earnings Per Share (Details) $ / shares in Units, shares in Thousands, $ in Thousands	Nov. 30, 2017	Dec. 31, 2018USD ($)$ / sharesshares	Sep. 30, 2018USD ($)$ / sharesshares	Jun. 30, 2018USD ($)$ / sharesshares	Mar. 31, 2018USD ($)$ / sharesshares	Dec. 31, 2017USD ($)$ / sharesshares	Sep. 30, 2017USD ($)$ / sharesshares	Jun. 30, 2017USD ($)$ / sharesshares	Mar. 31, 2017USD ($)$ / sharesshares	Dec. 31, 2018USD ($)$ / sharesshares	Dec. 31, 2017USD ($)$ / sharesshares	Dec. 31, 2016USD ($)$ / sharesshares
Earnings Per Share [Abstract]
Net (loss) income | $		$ (14,298)	$ (47,022)	$ 15,975	$ 23,292	$ 6,410	$ 9,763	$ 16,342	$ 16,638	$ (22,053)	$ 49,153	$ 65,444
Weighted average common shares - basic (in shares)		46,158	45,853	45,650	45,506	39,706	37,908	37,895	37,895	45,815	38,351	37,908
Dilutive effect of stock options and restricted stock units (in shares)										0	926	895
Weighted average common shares - diluted (in shares)		46,158	45,853	47,996	47,416	40,524	38,914	38,987	38,959	45,815	39,277	38,803
Diluted earnings per share (in dollars per share) | $ / shares		$ (0.31)	$ (1.03)	$ 0.33	$ 0.49	$ 0.16	$ 0.25	$ 0.42	$ 0.43	$ (0.48)	$ 1.25	$ 1.69
Stock split conversion ratio	36

EARNINGS PER SHARE - Narrative

EARNINGS PER SHARE - Narrative (Details) - shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	2,100,000	0	100,000

CONDENSED CONSOLIDATING FINAN_3

CONDENSED CONSOLIDATING FINANCIAL INFORMATION - Additional Information (Details)

Aug. 13, 2018USD ($)

Aug. 02, 2018CAD ($)

Mar. 07, 2018

Nov. 30, 2017USD ($)

Sep. 30, 2016

Dec. 31, 2017USD ($)

Dec. 31, 2018

Nov. 02, 2018USD ($)

Sep. 30, 2018

Aug. 31, 2018USD ($)

Feb. 05, 2018USD ($)

Feb. 28, 2017USD ($)

Feb. 28, 2013USD ($)

Debt Instrument [Line Items]

Dividends paid to CURO Group Holdings Corp.

$ 0

8.25% Senior Notes Due 2025

Debt Instrument [Line Items]

Stated interest rate (as percent)

8.25%

12.00% Senior Secured Notes

Debt Instrument [Line Items]

Stated interest rate (as percent)

12.00%

Line of credit facility, maximum borrowing capacity

$ 470,000,000

12.00% Senior Secured Notes | Additional Notes Offering

Debt Instrument [Line Items]

Line of credit facility, maximum borrowing capacity

$ 135,000,000

Dividends paid to CURO Group Holdings Corp.

140,000,000

10.75% Senior Secured Notes

Debt Instrument [Line Items]

Stated interest rate (as percent)

10.75%

12.00% Senior Cash Pay Notes

Debt Instrument [Line Items]

Stated interest rate (as percent)

12.00%

Senior Notes | 8.25% Senior Notes Due 2025

Debt Instrument [Line Items]

Debt instrument, face amount

$ 690,000,000

$ 690,000,000

Stated interest rate (as percent)

8.25%

8.25%

8.25%

Debt instrument, term

5 years

Senior Notes | 12.00% Senior Secured Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 135,000,000

$ 605,000,000

$ 135,000,000

$ 470,000,000

Stated interest rate (as percent)

12.00%

12.00%

12.00%

12.00%

12.00%

Amount of redemption

$ 77,500,000

Redemption price, percentage (as percent)

112.00%

Senior Notes | 10.75% Senior Secured Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 440,000,000

Stated interest rate (as percent)

10.75%

10.75%

Redemption price, percentage (as percent)

71.25%

Senior Notes | 12.00% Senior Cash Pay Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 125,000,000

Stated interest rate (as percent)

12.00%

12.00%

Line of Credit | Non-Recourse Canada SPV Facility | Revolving Credit Facility

Debt Instrument [Line Items]

Debt instrument, term

4 years

Line of credit facility, initial borrowing capacity

$ 175,000,000

Credit facility, expansion capacity

$ 250,000,000

CONDENSED CONSOLIDATING FINAN_4

CONDENSED CONSOLIDATING FINANCIAL INFORMATION - Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Assets:
Cash	$ 71,034	$ 162,374
Restricted cash	28,823	12,117
Loans receivable, net	517,403	363,269
Deferred income taxes	1,534	772
Income taxes receivable	16,741	3,455
Prepaid expenses and other	45,070	42,512
Property and equipment, net	76,750	87,086
Goodwill	119,281	145,607	$ 141,554
Other intangibles, net	29,784	32,769
Intercompany receivable	0	0
Investment in subsidiaries	0	0
Other	13,197	9,770
Total Assets	919,617	859,731
Liabilities and Stockholder's equity:
Accounts payable and accrued liabilities	57,282	55,792
Deferred revenue	9,663	11,984
Income taxes payable	1,579	4,120
Accrued interest	20,899	25,467
Payable to CURO Holdings Corp.	0	0
CSO guarantee liability	12,007	17,795	17,052
Deferred rent	11,000	11,577
Long-term debt (excluding current maturities)	804,140	706,225
Subordinated stockholder debt	2,196	2,381
Intercompany payable	0	0
Other long-term liabilities	6,222	5,768
Deferred tax liabilities	13,730	11,486
Total Liabilities	938,718	852,595
Stockholder’s equity	(19,101)	7,136	$ 40,855	$ (19,382)
Total Liabilities and Stockholders' Equity	919,617	859,731
Eliminations
Assets:
Cash	0	0
Restricted cash	0	0
Loans receivable, net	0	0
Deferred income taxes	0	0
Income taxes receivable	0	0
Prepaid expenses and other	0	0
Property and equipment, net	0	0
Goodwill	0	0
Other intangibles, net	0	0
Intercompany receivable	(44,554)	0
Investment in subsidiaries	101,665	84,889
Other	0	0
Total Assets	57,111	84,889
Liabilities and Stockholder's equity:
Accounts payable and accrued liabilities	0	0
Deferred revenue	0	0
Income taxes payable	0	0
Accrued interest	0	0
Payable to CURO Holdings Corp.	0	0
CSO guarantee liability	0	0
Deferred rent	0	0
Long-term debt (excluding current maturities)	0	0
Subordinated stockholder debt	0	0
Intercompany payable	(44,554)	0
Other long-term liabilities	0	0
Deferred tax liabilities	0	0
Total Liabilities	(44,554)	0
Stockholder’s equity	101,665	84,889
Total Liabilities and Stockholders' Equity	57,111	84,889
Subsidiaries
Assets:
Cash		80
Restricted cash		0
Loans receivable, net		0
Deferred income taxes		(238)
Income taxes receivable		3,455
Prepaid expenses and other		882
Property and equipment, net		0
Goodwill		0
Other intangibles, net		0
Intercompany receivable		0
Investment in subsidiaries		(84,889)
Other		0
Total Assets		(80,710)
Liabilities and Stockholder's equity:
Accounts payable and accrued liabilities		1,454
Deferred revenue		0
Income taxes payable		0
Accrued interest		0
Payable to CURO Holdings Corp.		(89,300)
CSO guarantee liability		0
Deferred rent		0
Long-term debt (excluding current maturities)		0
Subordinated stockholder debt		0
Intercompany payable		0
Other long-term liabilities		0
Deferred tax liabilities		0
Total Liabilities		(87,846)
Stockholder’s equity		7,136
Total Liabilities and Stockholders' Equity		(80,710)
Subsidiaries | Reportable Legal Entities
Assets:
Cash		162,294
Restricted cash		12,117
Loans receivable, net		363,269
Deferred income taxes		1,010
Income taxes receivable		0
Prepaid expenses and other		41,630
Property and equipment, net		87,086
Goodwill		145,607
Other intangibles, net		32,769
Intercompany receivable		0
Investment in subsidiaries		0
Other		9,770
Total Assets		855,552
Liabilities and Stockholder's equity:
Accounts payable and accrued liabilities		54,338
Deferred revenue		11,984
Income taxes payable		4,120
Accrued interest		25,467
Payable to CURO Holdings Corp.		89,300
CSO guarantee liability		17,795
Deferred rent		11,577
Long-term debt (excluding current maturities)		706,225
Subordinated stockholder debt		2,381
Intercompany payable		0
Other long-term liabilities		5,768
Deferred tax liabilities		11,486
Total Liabilities		940,441
Stockholder’s equity		(84,889)
Total Liabilities and Stockholders' Equity		855,552
Subsidiaries | Eliminations
Assets:
Cash		0
Restricted cash		0
Loans receivable, net		0
Deferred income taxes		0
Income taxes receivable		0
Prepaid expenses and other		0
Property and equipment, net		0
Goodwill		0
Other intangibles, net		0
Intercompany receivable		(40,351)
Investment in subsidiaries		(884,867)
Other		0
Total Assets		(925,218)
Liabilities and Stockholder's equity:
Accounts payable and accrued liabilities		0
Deferred revenue		0
Income taxes payable		0
Accrued interest		0
Payable to CURO Holdings Corp.		0
CSO guarantee liability		0
Deferred rent		0
Long-term debt (excluding current maturities)		0
Subordinated stockholder debt		0
Intercompany payable		(40,351)
Other long-term liabilities		0
Deferred tax liabilities		0
Total Liabilities		(40,351)
Stockholder’s equity		(884,867)
Total Liabilities and Stockholders' Equity		(925,218)
Subsidiary Guarantors | Reportable Legal Entities
Assets:
Cash	42,403
Restricted cash	9,993
Loans receivable, net	304,542
Deferred income taxes	0
Income taxes receivable	7,190
Prepaid expenses and other	37,866
Property and equipment, net	47,918
Goodwill	91,131
Other intangibles, net	8,418
Intercompany receivable	77,009
Investment in subsidiaries	0
Other	12,253
Total Assets	638,723
Liabilities and Stockholder's equity:
Accounts payable and accrued liabilities	38,240
Deferred revenue	5,981
Income taxes payable	0
Accrued interest	149
Payable to CURO Holdings Corp.	768,345
CSO guarantee liability	12,007
Deferred rent	9,559
Long-term debt (excluding current maturities)	20,000
Subordinated stockholder debt	0
Intercompany payable	0
Other long-term liabilities	4,967
Deferred tax liabilities	15,175
Total Liabilities	874,423
Stockholder’s equity	(235,700)
Total Liabilities and Stockholders' Equity	638,723
Subsidiary Guarantors | Reportable Legal Entities
Assets:
Cash		117,379
Restricted cash		1,677
Loans receivable, net		84,912
Deferred income taxes		(4,646)
Income taxes receivable		0
Prepaid expenses and other		38,277
Property and equipment, net		52,627
Goodwill		91,131
Other intangibles, net		5,418
Intercompany receivable		33,062
Investment in subsidiaries		0
Other		3,017
Total Assets		422,854
Liabilities and Stockholder's equity:
Accounts payable and accrued liabilities		35,753
Deferred revenue		6,529
Income taxes payable		(18,450)
Accrued interest		0
Payable to CURO Holdings Corp.		(95,048)
CSO guarantee liability		17,795
Deferred rent		9,896
Long-term debt (excluding current maturities)		0
Subordinated stockholder debt		0
Intercompany payable		(124,332)
Other long-term liabilities		3,969
Deferred tax liabilities		(143)
Total Liabilities		(164,031)
Stockholder’s equity		586,885
Total Liabilities and Stockholders' Equity		422,854
Subsidiary Non-Guarantors | Reportable Legal Entities
Assets:
Cash	28,631	44,915
Restricted cash	5,990	3,569
Loans receivable, net	76,674	110,651
Deferred income taxes	1,534	3,502
Income taxes receivable	0	0
Prepaid expenses and other	7,204	3,353
Property and equipment, net	28,832	34,459
Goodwill	28,150	54,476
Other intangibles, net	21,366	27,335
Intercompany receivable	(32,455)	(30,588)
Investment in subsidiaries	0	0
Other	944	1,040
Total Assets	166,870	252,712
Liabilities and Stockholder's equity:
Accounts payable and accrued liabilities	13,870	15,954
Deferred revenue	3,642	5,455
Income taxes payable	1,579	2,077
Accrued interest	(5)	0
Payable to CURO Holdings Corp.	0	0
CSO guarantee liability	0	0
Deferred rent	1,441	1,681
Long-term debt (excluding current maturities)	0	0
Subordinated stockholder debt	2,196	2,381
Intercompany payable	224	40,351
Other long-term liabilities	1,255	1,799
Deferred tax liabilities	0	7,426
Total Liabilities	24,202	77,124
Stockholder’s equity	142,668	175,588
Total Liabilities and Stockholders' Equity	166,870	252,712
SPV Subs | Reportable Legal Entities
Assets:
Cash		0
Restricted cash		6,871
Loans receivable, net		167,706
Deferred income taxes		0
Income taxes receivable		0
Prepaid expenses and other		0
Property and equipment, net		0
Goodwill		0
Other intangibles, net		0
Intercompany receivable		0
Investment in subsidiaries		0
Other		0
Total Assets		174,577
Liabilities and Stockholder's equity:
Accounts payable and accrued liabilities		12
Deferred revenue		0
Income taxes payable		0
Accrued interest		1,266
Payable to CURO Holdings Corp.		0
CSO guarantee liability		0
Deferred rent		0
Long-term debt (excluding current maturities)		120,402
Subordinated stockholder debt		0
Intercompany payable		(84,001)
Other long-term liabilities		0
Deferred tax liabilities		0
Total Liabilities		37,679
Stockholder’s equity		136,898
Total Liabilities and Stockholders' Equity		174,577
Canada SPV | Reportable Legal Entities
Assets:
Cash	0
Restricted cash	12,840
Loans receivable, net	136,187
Deferred income taxes	0
Income taxes receivable	0
Prepaid expenses and other	0
Property and equipment, net	0
Goodwill	0
Other intangibles, net	0
Intercompany receivable	0
Investment in subsidiaries	0
Other	0
Total Assets	149,027
Liabilities and Stockholder's equity:
Accounts payable and accrued liabilities	4,980
Deferred revenue	40
Income taxes payable	0
Accrued interest	831
Payable to CURO Holdings Corp.	0
CSO guarantee liability	0
Deferred rent	0
Long-term debt (excluding current maturities)	107,479
Subordinated stockholder debt	0
Intercompany payable	44,330
Other long-term liabilities	0
Deferred tax liabilities	0
Total Liabilities	157,660
Stockholder’s equity	(8,633)
Total Liabilities and Stockholders' Equity	149,027
CURO
Assets:
Cash	0
Restricted cash	0
Loans receivable, net	0
Deferred income taxes	0
Income taxes receivable	9,551
Prepaid expenses and other	0
Property and equipment, net	0
Goodwill	0
Other intangibles, net	0
Intercompany receivable	0
Investment in subsidiaries	(101,665)
Other	0
Total Assets	(92,114)
Liabilities and Stockholder's equity:
Accounts payable and accrued liabilities	192
Deferred revenue	0
Income taxes payable	0
Accrued interest	19,924
Payable to CURO Holdings Corp.	(768,345)
CSO guarantee liability	0
Deferred rent	0
Long-term debt (excluding current maturities)	676,661
Subordinated stockholder debt	0
Intercompany payable	0
Other long-term liabilities	0
Deferred tax liabilities	(1,445)
Total Liabilities	(73,013)
Stockholder’s equity	(19,101)
Total Liabilities and Stockholders' Equity	$ (92,114)
CFTC | Subsidiary Issuer | Reportable Legal Entities
Assets:
Cash		0
Restricted cash		0
Loans receivable, net		0
Deferred income taxes		0
Income taxes receivable		0
Prepaid expenses and other		0
Property and equipment, net		0
Goodwill		0
Other intangibles, net		16
Intercompany receivable		0
Investment in subsidiaries		(14,504)
Other		5,713
Total Assets		(8,775)
Liabilities and Stockholder's equity:
Accounts payable and accrued liabilities		2,606
Deferred revenue		0
Income taxes payable		(49,738)
Accrued interest		24,201
Payable to CURO Holdings Corp.		184,348
CSO guarantee liability		0
Deferred rent		0
Long-term debt (excluding current maturities)		585,823
Subordinated stockholder debt		0
Intercompany payable		(668,536)
Other long-term liabilities		0
Deferred tax liabilities		(2,590)
Total Liabilities		76,114
Stockholder’s equity		(84,889)
Total Liabilities and Stockholders' Equity		(8,775)
CURO Intermediate | Subsidiary Issuer | Reportable Legal Entities
Assets:
Cash		0
Restricted cash		0
Loans receivable, net		0
Deferred income taxes		2,154
Income taxes receivable		0
Prepaid expenses and other		0
Property and equipment, net		0
Goodwill		0
Other intangibles, net		0
Intercompany receivable		37,877
Investment in subsidiaries		899,371
Other		0
Total Assets		939,402
Liabilities and Stockholder's equity:
Accounts payable and accrued liabilities		13
Deferred revenue		0
Income taxes payable		70,231
Accrued interest		0
Payable to CURO Holdings Corp.		0
CSO guarantee liability		0
Deferred rent		0
Long-term debt (excluding current maturities)		0
Subordinated stockholder debt		0
Intercompany payable		876,869
Other long-term liabilities		0
Deferred tax liabilities		6,793
Total Liabilities		953,906
Stockholder’s equity		(14,504)
Total Liabilities and Stockholders' Equity		$ 939,402

CONDENSED CONSOLIDATING FINAN_5

CONDENSED CONSOLIDATING FINANCIAL INFORMATION - Statements of Operations (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Condensed Income Statements, Captions [Line Items]
Revenue	$ 300,566	$ 283,004	$ 248,983	$ 261,758	$ 266,990	$ 255,119	$ 216,944	$ 224,580	$ 1,094,311	$ 963,633	$ 828,596
Provision for losses	135,692	134,523	91,986	81,031	99,703	99,341	65,446	61,736	443,232	326,226	258,289
Net revenue	164,874	148,481	156,997	180,727	167,287	155,778	151,498	162,844	651,079	637,407	570,307
Cost of providing services
Salaries and benefits									106,753	105,196	104,541
Occupancy									53,684	54,612	54,509
Office									28,422	21,402	20,463
Advertising									68,333	52,058	43,921
Total cost of providing services	77,618	84,497	76,585	71,482	75,123	75,612	69,496	67,939	310,182	288,170	277,051
Gross margin	87,256	63,984	80,412	109,245	92,164	80,166	82,002	94,905	340,897	349,237	293,256
Operating (income) expense:
Corporate, district and other									158,955	154,973	124,274
Intercompany management fee									0	0	0
Interest expense									84,356	82,684	64,334
Loss (gain) on extinguishment of debt									90,569	12,458	(6,991)
Goodwill impairment charges									22,496	0	0
Impairment charges on intangible assets and property and equipment									5,085	0	0
Intercompany interest (income) expense									0	0	0
Restructuring costs						7,400			0	7,393	3,618
Total operating expense									361,461	257,508	185,235
Net (loss) income before income taxes									(20,564)	91,729	108,021
(Benefit) provision for income taxes									1,489	42,576	42,577
Net (loss) income	$ (14,298)	$ (47,022)	$ 15,975	$ 23,292	$ 6,410	$ 9,763	$ 16,342	$ 16,638	(22,053)	49,153	65,444
Equity in net income (loss) of subsidiaries									(22,053)	49,153	65,444
Other store operating expenses
Cost of providing services
Total cost of providing services									52,990	54,902	53,617
CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0	0	0
CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0	0	0
Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0	0	0
SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0	0	0
Subsidiaries
Condensed Income Statements, Captions [Line Items]
Revenue										963,633	828,596
Provision for losses										326,226	258,289
Net revenue										637,407	570,307
Cost of providing services
Salaries and benefits										105,196	104,541
Occupancy										54,612	54,509
Office										21,402	20,463
Advertising										52,058	43,921
Total cost of providing services										288,170	277,051
Gross margin										349,237	293,256
Operating (income) expense:
Corporate, district and other										151,046	123,828
Intercompany management fee										0	0
Interest expense										79,374	48,608
Loss (gain) on extinguishment of debt										11,884	(6,991)
Intercompany interest (income) expense										0	0
Restructuring costs										7,393	3,618
Total operating expense										249,697	169,063
Net (loss) income before income taxes										99,540	124,193
(Benefit) provision for income taxes										45,761	49,171
Net (loss) income										53,779	75,022
Equity in net income (loss) of subsidiaries										53,779	75,022
Subsidiaries | Other store operating expenses
Cost of providing services
Total cost of providing services										54,902	53,617
Subsidiaries | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Subsidiaries | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Subsidiaries | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Subsidiaries | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Subsidiaries | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
CURO
Condensed Income Statements, Captions [Line Items]
Revenue									0	0	0
Provision for losses									0	0	0
Net revenue									0	0	0
Cost of providing services
Salaries and benefits									0	0	0
Occupancy									0	0	0
Office									0	0	0
Advertising									0	0	0
Total cost of providing services									0	0	0
Gross margin									0	0	0
Operating (income) expense:
Corporate, district and other									9,251	3,927	446
Intercompany management fee									0	0	0
Interest expense									20,432	3,310	15,726
Loss (gain) on extinguishment of debt									0	574	0
Goodwill impairment charges									0
Impairment charges on intangible assets and property and equipment									0
Intercompany interest (income) expense									0	0	0
Restructuring costs										0	0
Total operating expense									29,683	7,811	16,172
Net (loss) income before income taxes									(29,683)	(7,811)	(16,172)
(Benefit) provision for income taxes									(6,617)	(3,185)	(6,594)
Net (loss) income									(23,066)	(4,626)	(9,578)
Equity in net income (loss) of subsidiaries									(22,053)	49,153	65,444
CURO | Other store operating expenses
Cost of providing services
Total cost of providing services									0	0	0
CURO | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries									1,013	53,779	75,022
CURO | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
CURO | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0	0	0
CURO | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0	0	0
CURO | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0	0	0
Reportable Legal Entities | Subsidiary Guarantors
Condensed Income Statements, Captions [Line Items]
Revenue									853,141
Provision for losses									348,611
Net revenue									504,530
Cost of providing services
Salaries and benefits									71,447
Occupancy									30,797
Office									21,285
Advertising									48,832
Total cost of providing services									219,702
Gross margin									284,828
Operating (income) expense:
Corporate, district and other									103,509
Intercompany management fee									(13,404)
Interest expense									59,949
Loss (gain) on extinguishment of debt									90,569
Goodwill impairment charges									0
Impairment charges on intangible assets and property and equipment									0
Intercompany interest (income) expense									(4,778)
Total operating expense									235,845
Net (loss) income before income taxes									48,983
(Benefit) provision for income taxes									5,635
Net (loss) income									43,348
Equity in net income (loss) of subsidiaries									44,361
Reportable Legal Entities | Subsidiary Guarantors | Other store operating expenses
Cost of providing services
Total cost of providing services									47,341
Reportable Legal Entities | Subsidiary Guarantors | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0
Reportable Legal Entities | Subsidiary Guarantors | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries									43,348
Reportable Legal Entities | Subsidiary Guarantors | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries									(33,494)
Reportable Legal Entities | Subsidiary Guarantors | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries									(8,841)
Reportable Legal Entities | Subsidiary Guarantors
Condensed Income Statements, Captions [Line Items]
Revenue										465,170	581,820
Provision for losses										164,068	176,546
Net revenue										301,102	405,274
Cost of providing services
Salaries and benefits										69,927	69,549
Occupancy										31,393	31,451
Office										16,884	15,883
Advertising										36,148	30,340
Total cost of providing services										202,515	194,714
Gross margin										98,587	210,560
Operating (income) expense:
Corporate, district and other										108,901	85,452
Intercompany management fee										(23,741)	(12,632)
Interest expense										(124)	2
Loss (gain) on extinguishment of debt										0	0
Intercompany interest (income) expense										(678)	(1,319)
Restructuring costs										0	1,726
Total operating expense										84,358	73,229
Net (loss) income before income taxes										14,229	137,331
(Benefit) provision for income taxes										(13,752)	14,543
Net (loss) income										27,981	122,788
Equity in net income (loss) of subsidiaries										27,981	122,788
Reportable Legal Entities | Subsidiary Guarantors | Other store operating expenses
Cost of providing services
Total cost of providing services										48,163	47,491
Reportable Legal Entities | Subsidiary Guarantors | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Reportable Legal Entities | Subsidiary Guarantors | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Reportable Legal Entities | Subsidiary Guarantors | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Reportable Legal Entities | Subsidiary Guarantors | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Reportable Legal Entities | Subsidiary Guarantors | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Reportable Legal Entities | Subsidiary Non-Guarantors
Condensed Income Statements, Captions [Line Items]
Revenue									212,705	225,904	221,799
Provision for losses									61,276	58,735	50,540
Net revenue									151,429	167,169	171,259
Cost of providing services
Salaries and benefits									35,306	35,269	34,992
Occupancy									22,887	23,219	23,058
Office									7,137	4,518	4,580
Advertising									19,501	15,910	13,581
Total cost of providing services									90,480	85,147	82,331
Gross margin									60,949	82,022	88,928
Operating (income) expense:
Corporate, district and other									46,157	34,170	36,140
Intercompany management fee									13,388	13,970	12,632
Interest expense									68	189	58
Loss (gain) on extinguishment of debt									0	0	0
Goodwill impairment charges									22,496
Impairment charges on intangible assets and property and equipment									5,085
Intercompany interest (income) expense									4,778	4,894	5,741
Restructuring costs										7,393	1,892
Total operating expense									91,972	60,616	56,463
Net (loss) income before income taxes									(31,023)	21,406	32,465
(Benefit) provision for income taxes									2,471	10,372	12,522
Net (loss) income									(33,494)	11,034	19,943
Equity in net income (loss) of subsidiaries									(33,494)	11,034	19,943
Reportable Legal Entities | Subsidiary Non-Guarantors | Other store operating expenses
Cost of providing services
Total cost of providing services									5,649	6,231	6,120
Reportable Legal Entities | Subsidiary Non-Guarantors | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0	0	0
Reportable Legal Entities | Subsidiary Non-Guarantors | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Reportable Legal Entities | Subsidiary Non-Guarantors | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0	0	0
Reportable Legal Entities | Subsidiary Non-Guarantors | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0	0	0
Reportable Legal Entities | Subsidiary Non-Guarantors | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0	0	0
Reportable Legal Entities | SPV Subs
Condensed Income Statements, Captions [Line Items]
Revenue										272,559	24,977
Provision for losses										103,423	31,203
Net revenue										169,136	(6,226)
Cost of providing services
Salaries and benefits										0	0
Occupancy										0	0
Office										0	0
Advertising										0	0
Total cost of providing services										508	6
Gross margin										168,628	(6,232)
Operating (income) expense:
Corporate, district and other										451	0
Intercompany management fee										9,771	0
Interest expense										13,887	864
Loss (gain) on extinguishment of debt										0	0
Intercompany interest (income) expense										0	539
Restructuring costs										0	0
Total operating expense										24,109	1,403
Net (loss) income before income taxes										144,519	(7,635)
(Benefit) provision for income taxes										0	0
Net (loss) income										144,519	(7,635)
Equity in net income (loss) of subsidiaries										144,519	(7,635)
Reportable Legal Entities | SPV Subs | Other store operating expenses
Cost of providing services
Total cost of providing services										508	6
Reportable Legal Entities | SPV Subs | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Reportable Legal Entities | SPV Subs | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Reportable Legal Entities | SPV Subs | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Reportable Legal Entities | SPV Subs | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Reportable Legal Entities | SPV Subs | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Reportable Legal Entities | Canada SPV
Condensed Income Statements, Captions [Line Items]
Revenue									28,465
Provision for losses									33,345
Net revenue									(4,880)
Cost of providing services
Salaries and benefits									0
Occupancy									0
Office									0
Advertising									0
Total cost of providing services									0
Gross margin									(4,880)
Operating (income) expense:
Corporate, district and other									38
Intercompany management fee									16
Interest expense									3,907
Loss (gain) on extinguishment of debt									0
Goodwill impairment charges									0
Impairment charges on intangible assets and property and equipment									0
Intercompany interest (income) expense									0
Total operating expense									3,961
Net (loss) income before income taxes									(8,841)
(Benefit) provision for income taxes									0
Net (loss) income									(8,841)
Equity in net income (loss) of subsidiaries									(8,841)
Reportable Legal Entities | Canada SPV | Other store operating expenses
Cost of providing services
Total cost of providing services									0
Reportable Legal Entities | Canada SPV | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0
Reportable Legal Entities | Canada SPV | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0
Reportable Legal Entities | Canada SPV | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0
Reportable Legal Entities | Canada SPV | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries									0
Eliminations
Condensed Income Statements, Captions [Line Items]
Revenue									0	0	0
Provision for losses									0	0	0
Net revenue									0	0	0
Cost of providing services
Salaries and benefits									0	0	0
Occupancy									0	0	0
Office									0	0	0
Advertising									0	0	0
Total cost of providing services									0	0	0
Gross margin									0	0	0
Operating (income) expense:
Corporate, district and other									0	0	0
Intercompany management fee									0	0	0
Interest expense									0	0	0
Loss (gain) on extinguishment of debt									0	0	0
Goodwill impairment charges									0
Impairment charges on intangible assets and property and equipment									0
Intercompany interest (income) expense									0	0	0
Restructuring costs										0	0
Total operating expense									0	0	0
Net (loss) income before income taxes									0	0	0
(Benefit) provision for income taxes									0	0	0
Net (loss) income									0	0	0
Equity in net income (loss) of subsidiaries									(2,026)	(53,779)	(75,022)
Eliminations | Other store operating expenses
Cost of providing services
Total cost of providing services									0	0	0
Eliminations | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries									(1,013)	(53,779)	(75,022)
Eliminations | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Eliminations | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries									(43,348)	0	0
Eliminations | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries									33,494	0	0
Eliminations | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries									$ 8,841	0	0
Eliminations | Subsidiaries
Condensed Income Statements, Captions [Line Items]
Revenue										0	0
Provision for losses										0	0
Net revenue										0	0
Cost of providing services
Salaries and benefits										0	0
Occupancy										0	0
Office										0	0
Advertising										0	0
Total cost of providing services										0	0
Gross margin										0	0
Operating (income) expense:
Corporate, district and other										0	0
Intercompany management fee										0	0
Interest expense										0	0
Loss (gain) on extinguishment of debt										0	0
Intercompany interest (income) expense										0	0
Restructuring costs										0	0
Total operating expense										0	0
Net (loss) income before income taxes										0	0
(Benefit) provision for income taxes										0	0
Net (loss) income										0	0
Equity in net income (loss) of subsidiaries										(93,060)	(76,238)
Eliminations | Subsidiaries | Other store operating expenses
Cost of providing services
Total cost of providing services										0	0
Eliminations | Subsidiaries | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
Eliminations | Subsidiaries | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries										90,474	58,858
Eliminations | Subsidiaries | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries										(27,981)	(122,788)
Eliminations | Subsidiaries | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries										(11,034)	(19,943)
Eliminations | Subsidiaries | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries										(144,519)	7,635
CFTC | Reportable Legal Entities | Subsidiary Issuer
Condensed Income Statements, Captions [Line Items]
Revenue										0	0
Provision for losses										0	0
Net revenue										0	0
Cost of providing services
Salaries and benefits										0	0
Occupancy										0	0
Office										0	0
Advertising										0	0
Total cost of providing services										0	0
Gross margin										0	0
Operating (income) expense:
Corporate, district and other										7,549	1,898
Intercompany management fee										0	0
Interest expense										55,809	0
Loss (gain) on extinguishment of debt										0	0
Intercompany interest (income) expense										0	0
Restructuring costs										0	0
Total operating expense										63,358	1,898
Net (loss) income before income taxes										(63,358)	(1,898)
(Benefit) provision for income taxes										(24,077)	(682)
Net (loss) income										(39,281)	(1,216)
Equity in net income (loss) of subsidiaries										53,779	75,022
CFTC | Reportable Legal Entities | Subsidiary Issuer | Other store operating expenses
Cost of providing services
Total cost of providing services										0	0
CFTC | Reportable Legal Entities | Subsidiary Issuer | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
CFTC | Reportable Legal Entities | Subsidiary Issuer | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries										(90,474)	(58,858)
CFTC | Reportable Legal Entities | Subsidiary Issuer | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries										27,981	122,788
CFTC | Reportable Legal Entities | Subsidiary Issuer | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries										11,034	19,943
CFTC | Reportable Legal Entities | Subsidiary Issuer | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries										144,519	(7,635)
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer
Condensed Income Statements, Captions [Line Items]
Revenue										0	0
Provision for losses										0	0
Net revenue										0	0
Cost of providing services
Salaries and benefits										0	0
Occupancy										0	0
Office										0	0
Advertising										0	0
Total cost of providing services										0	0
Gross margin										0	0
Operating (income) expense:
Corporate, district and other										(25)	338
Intercompany management fee										0	0
Interest expense										9,613	47,684
Loss (gain) on extinguishment of debt										11,884	(6,991)
Intercompany interest (income) expense										(4,216)	(4,961)
Restructuring costs										0	0
Total operating expense										17,256	36,070
Net (loss) income before income taxes										(17,256)	(36,070)
(Benefit) provision for income taxes										73,218	22,788
Net (loss) income										(90,474)	(58,858)
Equity in net income (loss) of subsidiaries										(90,474)	(58,858)
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | Other store operating expenses
Cost of providing services
Total cost of providing services										0	0
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries										0	0
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries										$ 0	$ 0

CONDENSED CONSOLIDATING FINAN_6

CONDENSED CONSOLIDATING FINANCIAL INFORMATION - Statements of Cash Flows (Details) - USD ($) $ in Thousands	Mar. 07, 2018	Nov. 02, 2017	Oct. 16, 2017	Aug. 31, 2017	May 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Cash flows from operating activities
Net cash provided by operating activities						$ 534,464	$ 434,904	$ 329,359
Cash flows from investing activities
Purchase of property, equipment and software						(14,265)	(9,757)	(16,026)
Originations of loans, net						(605,622)	(417,494)	(281,647)
Cash paid for Zibby Investment						(958)	(5,600)	0
Net cash used in investing activities						(620,845)	(432,851)	(297,673)
Cash flows from financing activities
Proceeds from credit facilities								30,000
Payments on credit facilities								(38,050)
Dividends (paid) received							0
Payments on 12.00% Senior Cash Pay Notes						0	(125,000)	0
Payments of call premiums from early debt extinguishments						(69,650)	0	0
Debt issuance costs paid						(18,609)	(18,701)	(5,346)
Proceeds from exercise of stock options						559	0	0
Dividends paid to stockholders		$ (140,000)	$ (5,500)	$ (8,500)	$ (28,000)	0	(182,000)	0
Payments to net share settle RSU's						(1,942)
Net proceeds from issuance of common stock	$ 77,500					11,167	81,117	0
Net cash provided by (used in) financing activities						19,092	(36,691)	59,382
Effect of exchange rate changes on cash and restricted cash						(7,345)	7,776	(2,039)
Net (decrease) increase in cash and restricted cash						(74,634)	(26,862)	89,029
Cash and restricted cash at beginning of period						174,491	201,353	112,324
Cash and restricted cash at end of period						99,857	174,491	201,353
Non-Recourse U.S. SPV Facility and ABL Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities						17,000	60,130	91,717
Payments on credit facilities						(141,590)	(27,257)	0
Non-Recourse Canada SPV Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities						117,157	0	0
12.00% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes						(605,000)	0	0
Proceeds from issuance of Senior Secured Notes						0	601,054	0
8.25% Senior Notes Due 2025
Cash flows from financing activities
Proceeds from issuance of Senior Secured Notes						690,000	0	0
10.75% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes						0	(426,034)	(18,939)
Revolving Credit Facility
Cash flows from financing activities
Proceeds from credit facilities								91,717
Revolving Credit Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities						131,902	43,084
Payments on credit facilities						(111,902)	(43,084)
Revolving Credit Facility | Non-Recourse U.S. SPV Facility and ABL Facility
Cash flows from financing activities
Proceeds from credit facilities						17,000	60,130
Payments on credit facilities						(141,590)	(27,257)
Revolving Credit Facility | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities						117,157
Eliminations
Cash flows from operating activities
Net cash provided by operating activities						3,687
Cash flows from investing activities
Purchase of property, equipment and software						0
Originations of loans, net						0
Cash paid for Zibby Investment						0
Net cash used in investing activities						0
Cash flows from financing activities
Payments of call premiums from early debt extinguishments						0
Debt issuance costs paid						0
Proceeds from exercise of stock options						0
Payments to net share settle RSU's						0
Net proceeds from issuance of common stock						0
Net cash provided by (used in) financing activities						0
Effect of exchange rate changes on cash and restricted cash						(3,687)
Net (decrease) increase in cash and restricted cash						0
Cash and restricted cash at beginning of period						0
Cash and restricted cash at end of period						0	0
Eliminations | 12.00% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes						0
Eliminations | 8.25% Senior Notes Due 2025
Cash flows from financing activities
Proceeds from issuance of Senior Secured Notes						0
Eliminations | Revolving Credit Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities						0
Payments on credit facilities						0
Eliminations | Revolving Credit Facility | Non-Recourse U.S. SPV Facility and ABL Facility
Cash flows from financing activities
Proceeds from credit facilities						0
Payments on credit facilities						0
Eliminations | Revolving Credit Facility | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities						0
Subsidiary Guarantors | Reportable Legal Entities
Cash flows from operating activities
Net cash provided by operating activities							175,213	157,903
Cash flows from investing activities
Purchase of property, equipment and software							(7,406)	(10,105)
Originations of loans, net							(177,687)	(81,711)
Cash paid for Zibby Investment							0
Net cash used in investing activities							(185,093)	(91,816)
Cash flows from financing activities
Proceeds from credit facilities								0
Payments on credit facilities								0
Dividends (paid) received							0
Payments on 12.00% Senior Cash Pay Notes							0
Debt issuance costs paid							0	0
Dividends paid to stockholders							0
Net proceeds from issuance of common stock							0
Net cash provided by (used in) financing activities							0	0
Effect of exchange rate changes on cash and restricted cash							0	0
Net (decrease) increase in cash and restricted cash							(9,880)	66,087
Cash and restricted cash at beginning of period						119,056	128,936	62,849
Cash and restricted cash at end of period							119,056	128,936
Subsidiary Guarantors | Reportable Legal Entities | 12.00% Senior Secured Notes
Cash flows from financing activities
Proceeds from issuance of Senior Secured Notes							0
Subsidiary Guarantors | Reportable Legal Entities | 10.75% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes							0	0
Subsidiary Guarantors | Reportable Legal Entities | Revolving Credit Facility
Cash flows from financing activities
Proceeds from credit facilities								0
Subsidiary Guarantors | Reportable Legal Entities | Revolving Credit Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities							0
Payments on credit facilities							0
Subsidiary Guarantors | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse U.S. SPV Facility and ABL Facility
Cash flows from financing activities
Proceeds from credit facilities							0
Payments on credit facilities							0
Subsidiary Non-Guarantors | Reportable Legal Entities
Cash flows from operating activities
Net cash provided by operating activities						27,598	68,973	96,166
Cash flows from investing activities
Purchase of property, equipment and software						(3,160)	(2,351)	(5,901)
Originations of loans, net						(34,887)	(89,554)	(68,436)
Cash paid for Zibby Investment						0	0
Net cash used in investing activities						(38,047)	(91,905)	(74,337)
Cash flows from financing activities
Proceeds from credit facilities								0
Payments on credit facilities								0
Dividends (paid) received							0
Payments on 12.00% Senior Cash Pay Notes							0
Payments of call premiums from early debt extinguishments						0
Debt issuance costs paid						0	0	0
Proceeds from exercise of stock options						0
Dividends paid to stockholders							0
Payments to net share settle RSU's						0
Net proceeds from issuance of common stock						0	0
Net cash provided by (used in) financing activities						0	0	0
Effect of exchange rate changes on cash and restricted cash						(3,415)	4,262	(2,666)
Net (decrease) increase in cash and restricted cash						(13,864)	(18,670)	19,163
Cash and restricted cash at beginning of period						48,484	67,154	47,991
Cash and restricted cash at end of period						34,620	48,484	67,154
Subsidiary Non-Guarantors | Reportable Legal Entities | 12.00% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes						0
Proceeds from issuance of Senior Secured Notes							0
Subsidiary Non-Guarantors | Reportable Legal Entities | 8.25% Senior Notes Due 2025
Cash flows from financing activities
Proceeds from issuance of Senior Secured Notes						0
Subsidiary Non-Guarantors | Reportable Legal Entities | 10.75% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes							0	0
Subsidiary Non-Guarantors | Reportable Legal Entities | Revolving Credit Facility
Cash flows from financing activities
Proceeds from credit facilities								0
Subsidiary Non-Guarantors | Reportable Legal Entities | Revolving Credit Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities						44,902	8,084
Payments on credit facilities						(44,902)	(8,084)
Subsidiary Non-Guarantors | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse U.S. SPV Facility and ABL Facility
Cash flows from financing activities
Proceeds from credit facilities						0	0
Payments on credit facilities						0	0
Subsidiary Non-Guarantors | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities						0
SPV Subs | Reportable Legal Entities
Cash flows from operating activities
Net cash provided by operating activities							98,075	47,899
Cash flows from investing activities
Purchase of property, equipment and software							0	0
Originations of loans, net							(150,253)	(131,500)
Cash paid for Zibby Investment							0
Net cash used in investing activities							(150,253)	(131,500)
Cash flows from financing activities
Proceeds from credit facilities								0
Payments on credit facilities								0
Dividends (paid) received							0
Payments on 12.00% Senior Cash Pay Notes							0
Debt issuance costs paid							0	(5,346)
Dividends paid to stockholders							0
Net proceeds from issuance of common stock							0
Net cash provided by (used in) financing activities							56,279	86,371
Effect of exchange rate changes on cash and restricted cash							0	0
Net (decrease) increase in cash and restricted cash							4,101	2,770
Cash and restricted cash at beginning of period						6,871	2,770	0
Cash and restricted cash at end of period							6,871	2,770
SPV Subs | Reportable Legal Entities | 12.00% Senior Secured Notes
Cash flows from financing activities
Proceeds from issuance of Senior Secured Notes							0
SPV Subs | Reportable Legal Entities | 10.75% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes							0	0
SPV Subs | Reportable Legal Entities | Revolving Credit Facility
Cash flows from financing activities
Proceeds from credit facilities								91,717
SPV Subs | Reportable Legal Entities | Revolving Credit Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities							0
Payments on credit facilities							0
SPV Subs | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse U.S. SPV Facility and ABL Facility
Cash flows from financing activities
Proceeds from credit facilities							58,540
Payments on credit facilities							(2,261)
Canada SPV | Reportable Legal Entities
Cash flows from operating activities
Net cash provided by operating activities						72,648
Cash flows from investing activities
Purchase of property, equipment and software						0
Originations of loans, net						(172,193)
Cash paid for Zibby Investment						0
Net cash used in investing activities						(172,193)
Cash flows from financing activities
Payments of call premiums from early debt extinguishments						0
Debt issuance costs paid						(4,529)
Proceeds from exercise of stock options						0
Payments to net share settle RSU's						0
Net proceeds from issuance of common stock						0
Net cash provided by (used in) financing activities						112,628
Effect of exchange rate changes on cash and restricted cash						(243)
Net (decrease) increase in cash and restricted cash						12,840
Cash and restricted cash at beginning of period						0
Cash and restricted cash at end of period						12,840	0
Canada SPV | Reportable Legal Entities | 12.00% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes						0
Canada SPV | Reportable Legal Entities | 8.25% Senior Notes Due 2025
Cash flows from financing activities
Proceeds from issuance of Senior Secured Notes						0
Canada SPV | Reportable Legal Entities | Revolving Credit Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities						0
Payments on credit facilities						0
Canada SPV | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse U.S. SPV Facility and ABL Facility
Cash flows from financing activities
Proceeds from credit facilities						0
Payments on credit facilities						0
Canada SPV | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities						117,157
Subsidiaries
Cash flows from operating activities
Net cash provided by operating activities							521,104	330,761
Cash flows from investing activities
Purchase of property, equipment and software							(9,757)	(16,026)
Originations of loans, net							(417,494)	(281,647)
Cash paid for Zibby Investment							(5,600)
Net cash used in investing activities							(432,851)	(297,673)
Cash flows from financing activities
Proceeds from credit facilities								30,000
Payments on credit facilities								(38,050)
Dividends (paid) received							(312,083)
Payments on 12.00% Senior Cash Pay Notes							0
Debt issuance costs paid							(18,701)	(5,346)
Dividends paid to stockholders							0
Net proceeds from issuance of common stock							0
Net cash provided by (used in) financing activities							(122,891)	59,382
Effect of exchange rate changes on cash and restricted cash							7,776	(2,039)
Net (decrease) increase in cash and restricted cash							(26,862)	90,431
Cash and restricted cash at beginning of period						174,411	201,273	110,842
Cash and restricted cash at end of period							174,411	201,273
Subsidiaries | 12.00% Senior Secured Notes
Cash flows from financing activities
Proceeds from issuance of Senior Secured Notes							601,054
Subsidiaries | 10.75% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes							(426,034)	(18,939)
Subsidiaries | Revolving Credit Facility
Cash flows from financing activities
Proceeds from credit facilities								91,717
Subsidiaries | Revolving Credit Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities							43,084
Payments on credit facilities							(43,084)
Subsidiaries | Revolving Credit Facility | Non-Recourse U.S. SPV Facility and ABL Facility
Cash flows from financing activities
Proceeds from credit facilities							60,130
Payments on credit facilities							(27,257)
Subsidiaries | Eliminations
Cash flows from operating activities
Net cash provided by operating activities							(3,514)	(627)
Cash flows from investing activities
Purchase of property, equipment and software							0	0
Originations of loans, net							0	0
Cash paid for Zibby Investment							0
Net cash used in investing activities							0	0
Cash flows from financing activities
Proceeds from credit facilities								0
Payments on credit facilities								0
Dividends (paid) received							0
Payments on 12.00% Senior Cash Pay Notes							0
Debt issuance costs paid							0	0
Dividends paid to stockholders							0
Net proceeds from issuance of common stock							0
Net cash provided by (used in) financing activities							0	0
Effect of exchange rate changes on cash and restricted cash							3,514	627
Net (decrease) increase in cash and restricted cash							0	0
Cash and restricted cash at beginning of period						0	0	0
Cash and restricted cash at end of period							0	0
Subsidiaries | Eliminations | 12.00% Senior Secured Notes
Cash flows from financing activities
Proceeds from issuance of Senior Secured Notes							0
Subsidiaries | Eliminations | 10.75% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes							0	0
Subsidiaries | Eliminations | Revolving Credit Facility
Cash flows from financing activities
Proceeds from credit facilities								0
Subsidiaries | Eliminations | Revolving Credit Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities							0
Payments on credit facilities							0
Subsidiaries | Eliminations | Revolving Credit Facility | Non-Recourse U.S. SPV Facility and ABL Facility
Cash flows from financing activities
Proceeds from credit facilities							0
Payments on credit facilities							0
CURO
Cash flows from operating activities
Net cash provided by operating activities						(674,290)	(86,200)	(1,402)
Cash flows from investing activities
Purchase of property, equipment and software						0	0	0
Originations of loans, net						0	0	0
Cash paid for Zibby Investment						0	0
Net cash used in investing activities						0	0	0
Cash flows from financing activities
Proceeds from credit facilities								0
Payments on credit facilities								0
Dividends (paid) received							312,083
Payments on 12.00% Senior Cash Pay Notes							(125,000)
Payments of call premiums from early debt extinguishments						0
Debt issuance costs paid						(13,848)	0	0
Proceeds from exercise of stock options						0
Dividends paid to stockholders							(182,000)
Payments to net share settle RSU's						(1,942)
Net proceeds from issuance of common stock						0	81,117
Net cash provided by (used in) financing activities						674,210	86,200	0
Effect of exchange rate changes on cash and restricted cash						0	0	0
Net (decrease) increase in cash and restricted cash						(80)	0	(1,402)
Cash and restricted cash at beginning of period						80	80	1,482
Cash and restricted cash at end of period						0	80	80
CURO | 12.00% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes						0
Proceeds from issuance of Senior Secured Notes							0
CURO | 8.25% Senior Notes Due 2025
Cash flows from financing activities
Proceeds from issuance of Senior Secured Notes						690,000
CURO | 10.75% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes							0	0
CURO | Revolving Credit Facility
Cash flows from financing activities
Proceeds from credit facilities								0
CURO | Revolving Credit Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities						0	0
Payments on credit facilities						0	0
CURO | Revolving Credit Facility | Non-Recourse U.S. SPV Facility and ABL Facility
Cash flows from financing activities
Proceeds from credit facilities						0	0
Payments on credit facilities						0	0
CURO | Revolving Credit Facility | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities						0
Subsidiary Guarantors | Reportable Legal Entities
Cash flows from operating activities
Net cash provided by operating activities						1,104,821
Cash flows from investing activities
Purchase of property, equipment and software						(11,105)
Originations of loans, net						(398,542)
Cash paid for Zibby Investment						(958)
Net cash used in investing activities						(410,605)
Cash flows from financing activities
Payments of call premiums from early debt extinguishments						(69,650)
Debt issuance costs paid						(232)
Proceeds from exercise of stock options						559
Payments to net share settle RSU's						0
Net proceeds from issuance of common stock						11,167
Net cash provided by (used in) financing activities						(767,746)
Effect of exchange rate changes on cash and restricted cash						0
Net (decrease) increase in cash and restricted cash						(73,530)
Cash and restricted cash at beginning of period						125,927
Cash and restricted cash at end of period						52,397	125,927
Subsidiary Guarantors | Reportable Legal Entities | 12.00% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes						(605,000)
Subsidiary Guarantors | Reportable Legal Entities | 8.25% Senior Notes Due 2025
Cash flows from financing activities
Proceeds from issuance of Senior Secured Notes						0
Subsidiary Guarantors | Reportable Legal Entities | Revolving Credit Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities						87,000
Payments on credit facilities						(67,000)
Subsidiary Guarantors | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse U.S. SPV Facility and ABL Facility
Cash flows from financing activities
Proceeds from credit facilities						17,000
Payments on credit facilities						(141,590)
Subsidiary Guarantors | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities						0
CFTC | Subsidiary Issuer | Reportable Legal Entities
Cash flows from operating activities
Net cash provided by operating activities							(264,670)	20
Cash flows from investing activities
Purchase of property, equipment and software							0	(20)
Originations of loans, net							0	0
Cash paid for Zibby Investment							(5,600)
Net cash used in investing activities							(5,600)	(20)
Cash flows from financing activities
Proceeds from credit facilities								0
Payments on credit facilities								0
Dividends (paid) received							(312,083)
Payments on 12.00% Senior Cash Pay Notes							0
Debt issuance costs paid							(18,701)	0
Dividends paid to stockholders							0
Net proceeds from issuance of common stock							0
Net cash provided by (used in) financing activities							270,270	0
Effect of exchange rate changes on cash and restricted cash							0	0
Net (decrease) increase in cash and restricted cash							0	0
Cash and restricted cash at beginning of period						0	0	0
Cash and restricted cash at end of period							0	0
CFTC | Subsidiary Issuer | Reportable Legal Entities | 12.00% Senior Secured Notes
Cash flows from financing activities
Proceeds from issuance of Senior Secured Notes							601,054
CFTC | Subsidiary Issuer | Reportable Legal Entities | 10.75% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes							0	0
CFTC | Subsidiary Issuer | Reportable Legal Entities | Revolving Credit Facility
Cash flows from financing activities
Proceeds from credit facilities								0
CFTC | Subsidiary Issuer | Reportable Legal Entities | Revolving Credit Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities							35,000
Payments on credit facilities							(35,000)
CFTC | Subsidiary Issuer | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse U.S. SPV Facility and ABL Facility
Cash flows from financing activities
Proceeds from credit facilities							0
Payments on credit facilities							0
CURO Intermediate | Subsidiary Issuer | Reportable Legal Entities
Cash flows from operating activities
Net cash provided by operating activities							447,027	29,400
Cash flows from investing activities
Purchase of property, equipment and software							0	0
Originations of loans, net							0	0
Cash paid for Zibby Investment							0
Net cash used in investing activities							0	0
Cash flows from financing activities
Proceeds from credit facilities								30,000
Payments on credit facilities								(38,050)
Dividends (paid) received							0
Payments on 12.00% Senior Cash Pay Notes							0
Debt issuance costs paid							0	0
Dividends paid to stockholders							0
Net proceeds from issuance of common stock							0
Net cash provided by (used in) financing activities							(449,440)	(26,989)
Effect of exchange rate changes on cash and restricted cash							0	0
Net (decrease) increase in cash and restricted cash							(2,413)	2,411
Cash and restricted cash at beginning of period						$ 0	2,413	2
Cash and restricted cash at end of period							0	2,413
CURO Intermediate | Subsidiary Issuer | Reportable Legal Entities | 12.00% Senior Secured Notes
Cash flows from financing activities
Proceeds from issuance of Senior Secured Notes							0
CURO Intermediate | Subsidiary Issuer | Reportable Legal Entities | 10.75% Senior Secured Notes
Cash flows from financing activities
Payments on Senior Secured Notes							(426,034)	(18,939)
CURO Intermediate | Subsidiary Issuer | Reportable Legal Entities | Revolving Credit Facility
Cash flows from financing activities
Proceeds from credit facilities								$ 0
CURO Intermediate | Subsidiary Issuer | Reportable Legal Entities | Revolving Credit Facility | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities							0
Payments on credit facilities							0
CURO Intermediate | Subsidiary Issuer | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse U.S. SPV Facility and ABL Facility
Cash flows from financing activities
Proceeds from credit facilities							1,590
Payments on credit facilities							$ (24,996)

QUARTERLY FINANCIAL DATA (UNA_3

QUARTERLY FINANCIAL DATA (UNAUDITED) (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Revenue	$ 300,566	$ 283,004	$ 248,983	$ 261,758	$ 266,990	$ 255,119	$ 216,944	$ 224,580	$ 1,094,311	$ 963,633	$ 828,596
Provision for losses	135,692	134,523	91,986	81,031	99,703	99,341	65,446	61,736	443,232	326,226	258,289
Net revenue	164,874	148,481	156,997	180,727	167,287	155,778	151,498	162,844	651,079	637,407	570,307
Total cost of providing services	77,618	84,497	76,585	71,482	75,123	75,612	69,496	67,939	310,182	288,170	277,051
Gross margin	87,256	63,984	80,412	109,245	92,164	80,166	82,002	94,905	340,897	349,237	293,256
Net (loss) income	$ (14,298)	$ (47,022)	$ 15,975	$ 23,292	$ 6,410	$ 9,763	$ 16,342	$ 16,638	$ (22,053)	$ 49,153	$ 65,444
Basic earnings per share (in dollars per share)	$ (0.31)	$ (1.03)	$ 0.35	$ 0.51	$ 0.16	$ 0.26	$ 0.43	$ 0.44	$ (0.48)	$ 1.28	$ 1.73
Diluted earnings per share (in dollars per share)	$ (0.31)	$ (1.03)	$ 0.33	$ 0.49	$ 0.16	$ 0.25	$ 0.42	$ 0.43	$ (0.48)	$ 1.25	$ 1.69
Weighted average common shares - basic (in shares)	46,158	45,853	45,650	45,506	39,706	37,908	37,895	37,895	45,815	38,351	37,908
Weighted average common shares - diluted (in shares)	46,158	45,853	47,996	47,416	40,524	38,914	38,987	38,959	45,815	39,277	38,803
Previously Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Diluted earnings per share (in dollars per share)		$ (0.97)

SUBSEQUENT EVENTS (Details)

SUBSEQUENT EVENTS (Details)	Feb. 08, 2019USD ($)shares	Jan. 17, 2019position	Mar. 15, 2019USD ($)	Mar. 08, 2019USD ($)	Sep. 30, 2017USD ($)	Dec. 31, 2018USD ($)position	Dec. 31, 2017USD ($)shares	Dec. 31, 2016USD ($)	Dec. 31, 2018store	Feb. 28, 2018USD ($)shares
Subsequent Event [Line Items]
Restructuring costs					$ 7,400,000	$ 0	$ 7,393,000	$ 3,618,000
Repayments of senior note						$ 0	$ 125,000,000	$ 0
Cognical Holdings, Inc.
Subsequent Event [Line Items]
Business combination, preferred shares purchased (in shares) | shares							3,292,554			560,872
Purchase of cost method investment							$ 5,600,000			$ 1,000,000
Cognical Holdings, Inc.
Subsequent Event [Line Items]
Cost method, ownership (as percent)						10.40%
Subsequent event
Subsequent Event [Line Items]
Number of positions eliminated (as percent)		2.80%
Restructuring costs				$ 1,600,000
Subsequent event | 8.25% Senior Notes Due 2025
Subsequent Event [Line Items]
Aggregate principal amount of notes	$ 680,600,000
Subsequent event | 8.25% Senior Notes Due 2025 | Senior Notes
Subsequent Event [Line Items]
Cash payment amount per principal multiple	10
Principle multiple for cash payment	1,000
Costs incurred	$ 7,700,000
Repayments of senior note			$ 6,800,000
Subsequent event | Cognical Holdings, Inc.
Subsequent Event [Line Items]
Business combination, preferred shares purchased (in shares) | shares	679,535
Purchase of cost method investment	$ 1,400,000
Subsequent event | Cognical Holdings, Inc.
Subsequent Event [Line Items]
Cost method, ownership (as percent)	11.70%
North America | Subsequent event
Subsequent Event [Line Items]
Number of positions eliminated | position		121
North America | Workforce reduction, corporate support | Subsequent event
Subsequent Event [Line Items]
Number of positions eliminated | position		39
Number of positions eliminated (as percent)		8.00%
United States
Subsequent Event [Line Items]
Number of stores						213			213
United States | Workforce reduction, store | Subsequent event
Subsequent Event [Line Items]
Number of positions eliminated | position		82
Number of positions eliminated (as percent)		5.00%